Retirement savings plan: tax advantages still unsuspected for the French

43% of French people say they are ill-informed of the tax benefits from which the retirement savings plan benefits, according to the ODOXA-Groupama savings barometer. Currently one in five French people makes payments there.

• 
  

  To safeguard
  

  
  
  

  Saved
  

The French fear that the return on their savings will decrease this year, according to the latest Odoxa-Groupama barometer for BFM Business and Capital. 68% of them (+6 points in a month) are indeed said “Less confident on the performance of their savings”explains Gaël Sliman, the president of Odoxa. Online in sight the booklet A, whose remuneration, currently by 2.40%, could drop to 1.70%on August 1 due to inflation returned under 1%. As for the performance of the other large risk -free investment, the fund guaranteed in euros of the life insurance contract (2.60% on average in 2023 and 2024), it does not seem sufficient to them.

What investments find thanks to their eyes? “It is the scholarship that benefits a little, even if these investments are still scary in a majority of French people”comments Gaël Sliman. For the past two years, more and more French people have mentioned it among the best investments: only 3% cited the scholarship in May 2023, 4% a year later, 5% six months ago (October 2024), 6% two months ago and 7% today, in May 2025. It is more than a doubling of quotes concerning the Stock Exchange!

Almost half of taxpayers ignore the tax advantages of the per

Another placement could hold the rope, if savers were better informed of its tax advantages: the retirement savings plan (PER). This is indeed the last savings product to provide a tax advantage to the entry, your payments being deductible from your taxable income (within a certain limit). “Better information in this field would perhaps lead to an increase in payments on PERs and other investments allowing tax deductions. These payments are already important – 20% of French say they do it – but they would not fail to increase yet if 100% (instead of 57%) of taxpayers were perfectly informed in this area “notes the president of Odoxa.

The performance of the PER is, however, more or less identical to that of life insurance, since it is made up of the same financial supports. With this detail that in addition to the financial return itself, we can add the tax return of the product. Judge for yourself: anyone can pay 4,637 euros out of a PER in 2025 and deduct all of this sum of their taxable income, whether it has professional income or not. Better still, those who work can deduct their subscription from their taxable income up to 10% of their professional income, up to a limit of 37,094 euros in 2025. The more interesting you are, the more interesting: your tax economy is proportional to your tax tranche. If you pay 1,000 euros on your PER for example, the tax gain will be 110 euros if you are in the 11%tranche, 300 euros in the 30%, 410 and 450 euros tranche in 41%and 45%slices … What to create vocations!