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 it’s still important to know how to find the best PER.
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.
But its real strength lies in its euro fund, whose yield reached around 3.5% in 2024, well above the market average. Management is flexible : investors can choose between free or controlled management, with ETF-, SCPI- or bond-oriented products.
It remains ideal for self-employed professionals looking for a simple, efficient contract with low fees.
Linxea Spirit PER : the heavyweight of online management
Another popular contract, particularly on specialist forums such as Reddit, Linxea Spirit PER is a benchmark for those who want more control over their savings. Distributed by the Linxea platform, it offers 0.50% annual fees on unit-linked products, with no deposit charges, and over 700 investment vehicles available, including ETFs, SCPIs, thematic or SRI funds, as well as a dynamic euro fund, with a yield of 3.13% in 2024.
This contract also offers several management modes : free, managed or horizon-based. It is therefore suitable for both experienced investors and novices wishing to delegate the management of their PER.
With some of the lowest fees on the market, this contract is attracting more and more tech-savvy and wealth management-oriented professionals.
Placement-direct PER : diversity for retirement
Placement-direct PER ticks a number of boxes for self-employed professionals wishing to massively diversify their savings. The contract offers a record 1,000 units of account, including ETFs, SCPIs, UCITS and even structured products. It also allows direct investment in SCPIs with no entry fees, a major advantage for independents who are comfortable with paper-based real estate.
Another strong point : a “boosted” euro fund, offering higher returns than the market average.
However, some controlled management methods may incur additional charges, which should be checked according to risk profile.
SRI PERs on the rise
Finally, for those who wish to give meaning to their savings, several PERs with a sustainable vocation are now well positioned. These include Goodvest, Ramify Green and Linxea Spirit PER, which includes an extensive selection of SRI (socially responsible investment) funds.
These contracts enable professionals concerned about the environment and ethical governance to align their retirement with their values, without necessarily sacrificing returns.
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