Question 12613 — taxes and duties

Summary

Mr. Guillaume Florquin draws the attention of the Minister of the Economy, Finance and Industrial, Energy and Digital Sovereignty to the increase in the generalized social contribution (CSG) applicable to retirement savings plans (PER), resulting from the adoption of the social security financing law for 2026. The social security financing law for 2026 provides for an increase of 1.4 points in the social contribution generalized (CSG), leading to an increase in the overall rate of social security contributions on capital income from 17.2% to 18.6% and correlatively bringing the rate of the single flat tax to 31.4%. This increase applies to a large number of savings products, in particular to all retirement savings plans (PER). This tax change directly affects millions of French people who have chosen the PER as a savings tool. long term in order to supplement their retirement income. It leads to a lasting reduction in the net return on these products and calls into question the attractiveness of a system presented by the public authorities as an essential lever for individual preparation for retirement, in a context of weakening of the pay-as-you-go system. This increase appears all the more questionable as it penalizes savings already blocked on the long term, constituted from income which has, for the most part, already been subject to tax and that it intervenes without differentiation according to the level of income or the situation of savers. In this context, he asks how the Government justifies the increase in the CSG on retirement savings plans and its uniform application to all contracts, despite its negative impact on the return on retirement savings and the confidence of the French in long-term savings schemes. He also asks him if he plans to review this measure or put in place a targeted mitigation or exemption mechanism, so as not to unfairly penalize savers who have prepared for their retirement within a legal framework encouraged by the State.

Machine translation from French. The official text remains authoritative.

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