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Profitez de l'offre Caravel. \nPas encore de compte ? 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Ainsi, le PER de Caravel s'appuie sur des fonds labellisés qui financent exclusivement la transition écologique et pas les énergies fossiles. Lancée en 2020, Caravel compte environ 2 500 client·es. Elle propose un PER et bientôt une assurance-vie.","spans":[],"direction":"ltr"}]}},{"question":"Quelle est l'offre négociée par Shine et Caravel ?","answer":{"raw":[{"type":"paragraph","text":"Shine propose un compte pro en ligne et un outil de facturation illimité à partir de 0 €/mois. Mais ce n'est pas tout : vous avez aussi accès à des offres spécialement négociées pour vous, comme celle avec Caravel. Nous vous offrons 3 mois de frais sur votre contrat d'épargne retraite chez Caravel.","spans":[],"direction":"ltr"}]}},{"question":"Pourquoi épargner pour votre retraite ?","answer":{"raw":[{"type":"paragraph","text":"Se constituer une épargne pour sa retraite est capital aujourd'hui car la retraite n'a jamais été aussi incertaine. Pour les indépendant·es, la retraite sera beaucoup plus faible qu'un·e salarié·e (en moyenne entre 820 € et 1230 € brut selon l'INSEE). Pour améliorer ou juste maintenir votre niveau de vie à la retraite, il est donc essentiel d'épargner et d'investir le plus tôt possible !","spans":[],"direction":"ltr"}]}},{"question":"Qu'est-ce qu'un plan épargne retraite (PER) ?","answer":{"raw":[{"type":"paragraph","text":"Le PER (plan épargne retraite) est un produit d'épargne dédié à la préparation de votre retraite. L'argent que vous y versez est investi en fonction de votre profil investisseur dans des portefeuilles diversifiés. À la différence d'une assurance-vie, il est bloqué jusqu'à votre retraite (sauf exception).","spans":[],"direction":"ltr"}]}},{"question":"Quels sont les avantages du PER ?","answer":{"raw":[{"type":"paragraph","text":"Un PER permet d'épargner et de faire fructifier votre argent. Au moment de votre retraite, vous pourrez retirer cet argent sous forme de rente ou de capital. Mais l'avantage du PER est aussi fiscal : les versements effectués peuvent être déduits de votre revenu imposable et donc faire baisser vos impôts.","spans":[],"direction":"ltr"}]}}]}]}}}}}]}}},"pageContext":{"uid":"partenaire_caravel"}},
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