{"id":13736,"date":"2026-03-31T00:00:00","date_gmt":"2026-03-30T22:00:00","guid":{"rendered":"https:\/\/www.cabinet-magar.fr\/actualites\/per-entreprise-un-sursis-pour-la-conformite\/"},"modified":"2026-03-31T00:00:00","modified_gmt":"2026-03-30T22:00:00","slug":"per-entreprise-un-sursis-pour-la-conformite","status":"publish","type":"post","link":"https:\/\/www.cabinet-magar.fr\/de\/actualites\/per-entreprise-un-sursis-pour-la-conformite\/","title":{"rendered":"PER entreprise : un sursis pour la conformit\u00e9"},"content":{"rendered":"<p>Les plans d\u2019\u00e9pargne-retraite (PER) d\u2019entreprises doivent garantir qu\u2019une part des versements faits sur le compte d\u00e9di\u00e9 permettent de r\u00e9duire progressivement les risques financiers auxquels sont expos\u00e9s les \u00e9pargnants. Une application pratique de cette exigence qui vient de faire l\u2019objet d\u2019un l\u00e9ger sursis\u2026<\/p>\n<h2>PER entreprises : un report pour la pr\u00e9vention des risques financiers<\/h2>\n<p>Le plan d\u2019\u00e9pargne retraite (PER) est un produit d\u2019\u00e9pargne disponible depuis 2019. Il peut \u00eatre individuel ou li\u00e9 \u00e0 l\u2019activit\u00e9 salari\u00e9e de l\u2019\u00e9pargnant sous la forme d\u2019un :<\/p>\n<ul>\n<li>PER d\u2019entreprise collectif ;<\/li>\n<li>PER d\u2019entreprise obligatoire.<\/li>\n<\/ul>\n<p>Les versements effectu\u00e9s sur les PER d\u2019entreprises doivent permettre, sauf d\u00e9cision contraire de l\u2019\u00e9pargnant, de r\u00e9duire progressivement les risques financiers auxquels celui-ci s\u2019expose.<\/p>\n<p>\u00c0 ce titre, diff\u00e9rents profils d\u2019investissements long terme sont d\u00e9finis afin de respecter cette condition, il s\u2019agit des profils :<\/p>\n<ul>\n<li>prudent horizon retraite ;<\/li>\n<li>\u00e9quilibr\u00e9 horizon retraite ;<\/li>\n<li>dynamique horizon retraite ;<\/li>\n<li>offensif horizon retraite.<\/li>\n<\/ul>\n<p>Pour chacun de ces profils, des conditions li\u00e9es aux produits d\u2019investissement sont d\u00e9finies pour atteindre l\u2019objectif de r\u00e9duction progressive des risques.<\/p>\n<p>Sont ainsi \u00e9tablis pour chaque profil, dans un premier temps, le pourcentage minimum des actifs devant repr\u00e9senter un faible risque qui composent le portefeuille et l\u2019\u00e9volution de ce pourcentage dans le temps.<\/p>\n<p>Dans un second temps, sont \u00e9tablis la part minimale et l\u2019\u00e9volution des versements r\u00e9alis\u00e9s vers :<\/p>\n<ul>\n<li>des organismes de placement collectif principalement investis directement ou indirectement en actifs non cot\u00e9s ;<\/li>\n<li>certains <a href=\"https:\/\/www.legifrance.gouv.fr\/loda\/article_lc\/LEGIARTI000025092458\" target=\"_blank\">titres financiers<\/a> ;<\/li>\n<li>des titres de soci\u00e9t\u00e9s de capital-risque.<\/li>\n<\/ul>\n<p>Pour ce dernier crit\u00e8re, les PER d\u2019entreprises avaient initialement jusqu\u2019au 30 juin 2026 pour se mettre en conformit\u00e9 avec les exigences de chaque profil d\u2019investissement.<\/p>\n<p>Cependant, un report de cette date limite a \u00e9t\u00e9 op\u00e9r\u00e9 puisque c\u2019est d\u00e9sormais au 31 d\u00e9cembre 2026 que les PER entreprises devront \u00eatre conformes aux sp\u00e9cificit\u00e9s de chaque profil.<\/p>\n<div>Sources :  <\/p>\n<ul>\n<li><a href=\"https:\/\/www.legifrance.gouv.fr\/jorf\/id\/JORFTEXT000053669179\" target=\"_blank\">Arr\u00eat\u00e9 du 10 mars 2026 modifiant l&#8217;arr\u00eat\u00e9 du 7 ao\u00fbt 2019 portant application de la r\u00e9forme de l&#8217;\u00e9pargne retraite<\/a><\/li>\n<\/ul>\n<\/div>\n<p><a href=\"https:\/\/www.weblex.fr\/weblex-actualite\/per-entreprise-un-sursis-pour-la-conformite\" target=\"_blank\">PER entreprise : un sursis pour la conformit\u00e9<\/a> &#8211; \u00a9 Copyright WebLex<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/www.weblex.fr\/sites\/default\/files\/actualites\/images\/Shutterstock_perentreprise.jpg\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Les plans d\u2019\u00e9pargne-retraite (PER) d\u2019entreprises doivent garantir qu\u2019une part des versements faits sur le compte d\u00e9di\u00e9 permettent de r\u00e9duire progressivement les risques financiers auxquels sont expos\u00e9s les \u00e9pargnants. Une application pratique de cette exigence qui vient de faire l\u2019objet d\u2019un l\u00e9ger sursis\u2026<\/p>\n","protected":false},"author":0,"featured_media":13737,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[7,10],"tags":[],"class_list":["post-13736","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites","category-le-coin-du-dirigeant"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>PER entreprise : un sursis pour la conformit\u00e9 - Cabinet Magar<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.cabinet-magar.fr\/actualites\/per-entreprise-un-sursis-pour-la-conformite\/\" \/>\n<meta property=\"og:locale\" content=\"de_DE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"PER entreprise : un sursis pour la conformit\u00e9 - Cabinet Magar\" \/>\n<meta property=\"og:description\" content=\"Les plans d\u2019\u00e9pargne-retraite (PER) d\u2019entreprises doivent garantir qu\u2019une part des versements faits sur le compte d\u00e9di\u00e9 permettent de r\u00e9duire progressivement les risques financiers auxquels sont expos\u00e9s les \u00e9pargnants. 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