What’s the best PER for the liberal professions in 2025 ?

In 2025, more liberal professions than ever before are turning to retirement savings plans (RSPs) to optimize their financial future… and reduce their tax bill. With attractive tax treatment, high deduction ceilings and a growing variety of contracts on the market, it’s important to know which one to choose.

 

The Plan Epargne Retraite (PER) is a long-term savings product in France, designed to prepare for retirement. It enables you to save during your working life to obtain a capital sum or an annuity on retirement.

 

It offers a major tax advantage for self-employed people : the possibility of deducting up to €87,135 from their taxable income (2025 ceiling). This provides considerable leverage for optimizing their tax situation, provided they choose a contract that is competitive over the long term.

 

And, among the many offers available, some contracts particularly stand out to meet the specific needs of the liberal professions.

 

Ampli PER Liberté : the contract designed for the self-employed

 

First on the podium for many experts, the Ampli PER Liberté contract, distributed by Ampli Mutuelle, stands out for its ultra-competitive fee structure. Specially designed for non-salaried workers (Travailleurs Non Salariés – TNS), this PER applies 0.65% management fees to unit-linked products, with no entry, exit or arbitration fees.

 

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Featured photo : © Getty Images

Picture of Anthony Conan
Anthony Conan
Graduated as a multimedia journalist in 2019, Anthony Conan has multiplied his experiences, notably as an editorial assistant at TF1 and as a radio journalist at RCF Bordeaux. He specializes in video editing in addition to writing, and has developed a particular interest in economics.

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