The PER is the only savings product that reduces your tax bill immediately while preparing for retirement. A powerful fiscal lever — provided you use it within the right strategy.
Understanding the mechanics to make the right wealth decisions.
Each contribution to a PER is deductible from your taxable income, up to 10% of your professional income (minimum €4,399 in 2025).
At retirement, you choose between a capital payout (reduced tax if lower bracket), an annuity, or a combination of both.
The PER is not completely locked. Certain events allow early release: primary residence purchase, disability, spouse's death...
The PER is advantageous if your current tax bracket is higher than your expected retirement bracket (the most common case for professionals with decent income). Life insurance is preferable if your retirement income will remain high or if you want more flexibility. Often, both are complementary — Véloci helps you calibrate the optimal split.
Precise calculation of your tax gain based on your bracket, income, and available ceilings (including unused years that can be carried forward).
PERs are not all equal: fees, quality of investment options and insurer solidity vary greatly from one contract to another.
The same standard, whatever the product: the best quality on the market, chosen for you.
Véloci neither designs nor sells in-house products. Through open architecture, we select the best solutions on the market for you, with no imposed catalogue and no quota, so we have no reason to steer you toward one over another.
Only approved, recognised partners (leading insurers and asset managers), chosen for their strength, the quality of their management and their net-of-fees performance over time.
A single point of contact who follows you at every stage of your financial life, from saving to transmission. A lasting relationship, not a one-off sale.
Full transparency (Engagement Disclosure Document), interests aligned with yours, clear guidance and availability. We aim for the best net-of-fees performance over time, not the lowest headline fee.
