From January 1, 2024, this rather advantageous savings plan could end for certain beneficiaries, according to the finance bill (PLF) for the coming year. But there is still time to join.
Certain investments represent many advantages, and allow you to better anticipate the future, especially when you have children. Whether it’s a home savings plan or life insurance, a Livret A… More and more French people are saving. Another investment, created within the framework of the Pacte law, can also benefit one’s own children, who will be able, once adults, to acquire their main residence more easily. But according to the finance bill for 2024, presented to the Council of Ministers on September 27, this savings plan could end for certain beneficiaries as of January 1, 2024. If you wish to take advantage of it, it is therefore better to find out about it. here at the end of the year.
Indeed, did you know that it was possible to join a retirement savings plan for your minor child? This PER represents numerous advantages for parents, who benefit from a tax deduction depending on the payments made, since the child is attached to the parents’ tax household. In addition, the PER allows parents to “invest” in the future of their offspring with a supervised investment. The funds are blocked until the child’s retirement age, but they will be able to release them, once they reach the age of majority, to access their main residence. A helping hand which will then allow him to start his adult life with serenity.
To join the retirement savings plan for your child, both parents (or the child’s guardian) simply need to open a PER in their name and sign it. It is the parents who then manage this account until the child reaches the age of majority. For the moment, the new measures have not yet been implemented. But according to the finance bill for 2024, only adults could have access to this retirement savings plan, or fund an account already opened.