how to optimize your retirement savings by December 31

Two devices make it possible to burst the annual ceiling of tax exemption, and in significant proportions. deagreez / stock.adobe.com

OUR ADVICES – By making voluntary payments to your PER by the end of the year, you can drastically reduce your tax, in much greater proportions than you imagine.

Marketed since October 2020, the Retirement savings plan (PER) allows you to build up additional resources for your future retirement. Better still, by making voluntary payments until the end of the year, you immediately reduce your tax due on income for 2022.

Indeed, each year your payments are deductible from the taxable income of the tax household. With the key to a more or less significant gain depending on the amounts paid and your marginal tax rate. A great advantage which, moreover, is not taken into account in the calculation of the annual tax exemption ceiling of 10,000 euros.

Admittedly, the amount deductible annually is capped. But there are two devices which make it possible to burst this ceiling, and in significant proportions. Here, with practical cases, how to optimize your retirement savings ceiling.

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