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</svg></div></a></div></div></div></section><header class="uui-section_heroheader01"><div class="uui-page-padding-2"><div class="uui-container-large-2"><div class="uui-padding-vertical-xhuge-2"><div class="w-layout-grid uui-heroheader01_component"><div class="uui-heroheader01_content"><div class="div-block-111"><div class="text-block-55"><a href="/plan-epargne-vie" class="link-11">Epargne Vie </a> <a href="/plan-epargne-retraite" class="link-12">Epargne Retraite</a></div><div class="text-block-55"><a href="/epargne-enfant-sans-riba" class="link-11">Epargne Enfant </a><a href="/plan-epargne-pro" class="link-12">Epargne Pro</a></div><h1 class="uui-heading-xlarge">Épargne <span class="heading-highlight">éthique </span><span>et responsable </span></h1><div class="uui-space-small"><h2 class="heading-2-copy">Vos projets de vie méritent des solutions d'épargne performantes en accord avec vos convictions</h2></div><div class="div-block-123"><img src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/65df4cd34c68bcd839c93654_4%2C5%20(1).svg" alt="google note avis" width="249" class="image-73"/><img src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/65e08d611c3ad96b36859c84_Property%201%3DDefault%20(4).svg" alt="certification Halal sans riba" width="167" class="image-72"/></div></div><a href="/simulateurs/simulateurs-perenys" class="brix---btn-primary-cta w-button">Simulez votre projet</a></div><div id="w-node-_8d761a7c-680d-f84e-7fc4-7c31dced0fd0-ce0ddbc9" class="uui-heroheader01_image-wrapper"><div class="uui-heroheader01_fileupload-image-wrapper hide-mobile-landscape"><a href="http://acerfi.org/" class="image-37-copy w-inline-block"><img src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/642d939d415f5e7f48c07767_epargne-ethique-responsable-possible.png" loading="lazy" sizes="100vw" srcset="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/642d939d415f5e7f48c07767_epargne-ethique-responsable-possible-p-500.png 500w, https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/642d939d415f5e7f48c07767_epargne-ethique-responsable-possible.png 730w" alt="Upload UI element" class="uui-heroheader01_fileupload-image1"/></a></div><div class="video-home"><div style="padding-top:56.17021276595745%" class="w-embed-youtubevideo"><iframe src="https://www.youtube.com/embed/hSgvfJkHMhM?rel=0&controls=1&autoplay=0&mute=0&start=0" frameborder="0" style="position:absolute;left:0;top:0;width:100%;height:100%;pointer-events:auto" allow="autoplay; encrypted-media" allowfullscreen="" title="Presentation perenys"></iframe></div></div></div></div></div></div><div class="w-layout-blockcontainer container-31 w-container"><a href="/plan-epargne-vie" class="div-block-32 w-inline-block"><h1 class="heading-lp">Plan <span class="text-span-8">Épargne Vie</span></h1><h3 class="heading-lp1"><strong class="bold-text-8">L'épargne flexible et disponible pour tous vos projets</strong></h3></a><a href="/plan-epargne-retraite" class="div-block-32 w-inline-block"><h1 class="heading-lp">Plan <span class="text-span-9">Épargne Retraite</span></h1><h3 class="heading-lp1"><strong class="bold-text-9">Préparez votre retraite en bénéficiant d'avantages fiscaux</strong></h3></a></div></div></header></div><div class="container-eclure w-container"><div class="w-layout-grid grid-title-section"><div id="w-node-_67b42457-768d-75bd-18cb-e0c128358bbd-28358bbb" class="grid-left"><strong class="bold-text-32">Vous savez où est investi et où n'est pas investi votre argent</strong></div></div><div class="secteur-exclu"><a href="#" class="exclu w-inline-block"><div class="icon-exclu"><img src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/64b004f0e011c7f82c017983_4.svg" alt="secteur non financé : sans tabac sans riba" class="image-15"/></div></a><a href="#" class="exclu w-inline-block"><div class="icon-exclu"><img src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/64b004f01d46dd8131fd34e7_5.svg" alt="secteur non financé : sans jeux d'argent riba" class="image-16"/></div></a><a href="#" class="exclu w-inline-block"><div class="icon-exclu"><img src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/65bd01f2639b0e8e358c485e_3.00%203.00%203.50%204.20%204.50%205.25%204.50%205.00%20(1).svg" alt="secteur non financé : sans tabac sans riba" class="image-15"/></div></a><a href="#" class="exclu w-inline-block"><div class="icon-exclu"><img src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/659fae0d8a4bdd65356b6794_64b004f03325f52bd7cec266_3.svg" alt="secteur non financé : sans alcool" class="image-17"/></div></a><a id="w-node-_67b42457-768d-75bd-18cb-e0c128358bcd-28358bbb" href="#" class="exclu w-inline-block"><div class="icon-exclu"><img src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/64b004f0fad346ce167d8fc1_1.svg" alt="secteur non financé : sans arme" class="image-18"/></div></a><a href="#" class="exclu w-inline-block"><div class="icon-exclu"><img src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/64b004f0079834b1603232f3_2.svg" alt="secteur non financé : divertissement pour adulte" class="image-19"/></div></a></div><div class="div-block-103"><img src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/65e08d611c3ad96b36859c84_Property%201%3DDefault%20(4).svg" alt="Certification Halal sans riba" width="152" class="image-64"/><div class="text-block-41">Certifiées <strong>sans</strong> <strong>Riba</strong> par un Comité de Conformité Éthique (CCE) indépendant et auditée par le cabinet ADEPE.</div></div></div><div class="brix---section-overflow-hidden"><div class="brix---container-default-10 w-container"><div data-w-id="2ea269dd-c73e-721d-041d-ad62df83e8b7" class="w-layout-grid brix---grid-top---text-2-buttons"><div class="brix---inner-container-490px"><div><div class="brix---mg-bottom-16px-3"><div class="brix---color-neutral-816"><h3 class="brix---heading-h2-size-6">Des centaines de personnes, comme vous, nous ont confié leur épargne.</h3></div></div></div></div></div><div data-delay="4000" data-animation="slide" class="brix---slider-wrapper w-slider" data-autoplay="true" data-easing="ease" data-hide-arrows="true" data-disable-swipe="false" data-w-id="2ea269dd-c73e-721d-041d-ad62df83e8be" data-autoplay-limit="0" data-nav-spacing="3" data-duration="500" data-infinite="true"><div class="brix---slider-mask-width-390px w-slider-mask"><div class="brix---slide-item-mg w-slide"><div class="brix---card-testimonial-v13"><img src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/659d6a8974f1b84a5a756cc8_Design%20sans%20titre-14.png" loading="lazy" width="174" sizes="(max-width: 479px) 100vw, 174px" alt="" srcset="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/659d6a8974f1b84a5a756cc8_Design%20sans%20titre-14-p-500.png 500w, https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/659d6a8974f1b84a5a756cc8_Design%20sans%20titre-14-p-800.png 800w, https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/659d6a8974f1b84a5a756cc8_Design%20sans%20titre-14.png 940w"/><div class="brix---mg-bottom-24px-3"><div class="brix---color-neutral-819"><p class="brix---paragraph-default-8">Perenys propose des produits éthiques qui permettent la défiscalisation en phase avec nos convictions. J'ai eu de très bons conseils de la part de l'équipe. J'ai ouvert un compte d'épargne pour mes enfants il y'a un an maintenant. Je recommande très vivement.</p></div></div><div class="brix---flex-horizontal"><div><div class="brix---mg-bottom-8px-3"><div class="brix---color-neutral-816"><h3 class="brix---heading-h4-size">Imane H</h3></div></div></div></div></div></div><div class="brix---slide-item-mg w-slide"><div class="brix---card-testimonial-v13"><img src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/659d6a8974f1b84a5a756cc8_Design%20sans%20titre-14.png" loading="lazy" width="174" sizes="(max-width: 479px) 100vw, 174px" alt="" srcset="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/659d6a8974f1b84a5a756cc8_Design%20sans%20titre-14-p-500.png 500w, https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/659d6a8974f1b84a5a756cc8_Design%20sans%20titre-14-p-800.png 800w, https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/659d6a8974f1b84a5a756cc8_Design%20sans%20titre-14.png 940w"/><div class="brix---mg-bottom-24px-3"><div class="brix---color-neutral-819"><p class="brix---paragraph-default-8">Enfin un plan épargne ethique et halal ! Merci à l'équipe qui a toujours fait preuve de professionnalisme et à l'écoute de nos besoins. Un plan d'épargne sur mesure pour moi et ma famille Bravo pour cette initiative noble et courageuse</p></div></div><div class="brix---flex-horizontal"><div><div class="brix---mg-bottom-8px-3"><div class="brix---color-neutral-816"><h3 class="brix---heading-h4-size">Souad E.</h3></div></div></div></div></div></div><div class="brix---slide-item-mg w-slide"><div class="brix---card-testimonial-v13"><img src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/659d6a8974f1b84a5a756cc8_Design%20sans%20titre-14.png" loading="lazy" width="174" sizes="(max-width: 479px) 100vw, 174px" alt="" srcset="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/659d6a8974f1b84a5a756cc8_Design%20sans%20titre-14-p-500.png 500w, https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/659d6a8974f1b84a5a756cc8_Design%20sans%20titre-14-p-800.png 800w, https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/659d6a8974f1b84a5a756cc8_Design%20sans%20titre-14.png 940w"/><div class="brix---mg-bottom-24px-3"><div class="brix---color-neutral-819"><p class="brix---paragraph-default-8">Produits et services de grande qualité ! Les conseillers sont éthiques et experts de leur offre, tout ce que je recherche lorsqu’il s’agit de confier son investissement et financement<br/>Merci encore à vous !</p></div></div><div class="brix---flex-horizontal"><div><div class="brix---mg-bottom-8px-3"><div class="brix---color-neutral-816"><h3 class="brix---heading-h4-size">Frédéric L.</h3></div></div></div></div></div></div><div class="brix---slide-item-mg w-slide"><div class="brix---card-testimonial-v13"><img src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/659d6a8974f1b84a5a756cc8_Design%20sans%20titre-14.png" loading="lazy" width="174" sizes="(max-width: 479px) 100vw, 174px" alt="" srcset="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/659d6a8974f1b84a5a756cc8_Design%20sans%20titre-14-p-500.png 500w, https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/659d6a8974f1b84a5a756cc8_Design%20sans%20titre-14-p-800.png 800w, https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/659d6a8974f1b84a5a756cc8_Design%20sans%20titre-14.png 940w"/><div class="brix---mg-bottom-24px-3"><div class="brix---color-neutral-819"><p class="brix---paragraph-default-8">Une offre d'épargne en or avec des employés sérieux. J'espère que d'autres personnes vont suivre leur trace et proposer encore plus d'offres éthiques</p></div></div><div class="brix---flex-horizontal"><div><div class="brix---mg-bottom-8px-3"><div class="brix---color-neutral-816"><h3 class="brix---heading-h4-size">Amine K.</h3></div></div></div></div></div></div><div class="brix---slide-item-mg w-slide"><div class="brix---card-testimonial-v13"><img src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/659d6a8974f1b84a5a756cc8_Design%20sans%20titre-14.png" loading="lazy" width="174" sizes="(max-width: 479px) 100vw, 174px" alt="" srcset="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/659d6a8974f1b84a5a756cc8_Design%20sans%20titre-14-p-500.png 500w, https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/659d6a8974f1b84a5a756cc8_Design%20sans%20titre-14-p-800.png 800w, https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/659d6a8974f1b84a5a756cc8_Design%20sans%20titre-14.png 940w"/><div class="brix---mg-bottom-24px-3"><div class="brix---color-neutral-819"><p class="brix---paragraph-default-8">Solutions d'épargne et de défiscalisation éthique. Nous y avons souscrit en 2021 et de nouveau en 2022 pour notre enfant.<br/>PERENYS est à l'écoute de nos besoins et nous accompagne dans cette démarche.</p></div></div><div class="brix---flex-horizontal"><div><div class="brix---mg-bottom-8px-3"><div class="brix---color-neutral-816"><h3 class="brix---heading-h4-size">R AH</h3></div></div></div></div></div></div><div class="brix---slide-item-mg w-slide"><div class="brix---card-testimonial-v13"><img src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/659d6a8974f1b84a5a756cc8_Design%20sans%20titre-14.png" loading="lazy" width="174" sizes="(max-width: 479px) 100vw, 174px" alt="" srcset="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/659d6a8974f1b84a5a756cc8_Design%20sans%20titre-14-p-500.png 500w, https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/659d6a8974f1b84a5a756cc8_Design%20sans%20titre-14-p-800.png 800w, https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/659d6a8974f1b84a5a756cc8_Design%20sans%20titre-14.png 940w"/><div class="brix---mg-bottom-24px-3"><div class="brix---color-neutral-819"><p class="brix---paragraph-default-8">Une équipe à notre écoute, réactive, des solutions d'épargne qui correspondent à nos convictions éthiques, nous sommes plus que satisfaits et recommandons vivement leur proposition d'épargne</p></div></div><div class="brix---flex-horizontal"><div><div class="brix---mg-bottom-8px-3"><div class="brix---color-neutral-816"><h3 class="brix---heading-h4-size">Mohamed M</h3></div></div></div></div></div></div><div class="brix---slide-item-mg w-slide"><div class="brix---card-testimonial-v13"><img src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/659d6a8974f1b84a5a756cc8_Design%20sans%20titre-14.png" loading="lazy" width="174" sizes="(max-width: 479px) 100vw, 174px" alt="" srcset="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/659d6a8974f1b84a5a756cc8_Design%20sans%20titre-14-p-500.png 500w, https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/659d6a8974f1b84a5a756cc8_Design%20sans%20titre-14-p-800.png 800w, https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/659d6a8974f1b84a5a756cc8_Design%20sans%20titre-14.png 940w"/><div class="brix---mg-bottom-24px-3"><div class="brix---color-neutral-819"><p class="brix---paragraph-default-8">Je cherchais une façon d'épargner et de faire fructufier mon épargne par un organisme respectant mon éthique et mes convictions. <br/>PERENYS a répondu à toutes mes questions et inquiètudes.<br/>Equipe compétente et à l'écoute.<br/>Je recommande.</p></div></div><div class="brix---flex-horizontal"><div><div class="brix---mg-bottom-8px-3"><div class="brix---color-neutral-816"><h3 class="brix---heading-h4-size">Fousseynou N.</h3></div></div></div></div></div></div><div class="brix---slide-item-mg w-slide"><div class="brix---card-testimonial-v13"><img src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/659d6a8974f1b84a5a756cc8_Design%20sans%20titre-14.png" loading="lazy" width="174" sizes="(max-width: 479px) 100vw, 174px" alt="" srcset="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/659d6a8974f1b84a5a756cc8_Design%20sans%20titre-14-p-500.png 500w, https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/659d6a8974f1b84a5a756cc8_Design%20sans%20titre-14-p-800.png 800w, https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/659d6a8974f1b84a5a756cc8_Design%20sans%20titre-14.png 940w"/><div class="brix---mg-bottom-24px-3"><div class="brix---color-neutral-819"><p class="brix---paragraph-default-8">Salam Alaikum. <br/>Nous avons souscrit un PER avec Perenys il y a plus d un an. <br/>Al hamdulilah très satisfait de trouver une épargne éthique et conforme à nos valeurs.</p></div></div><div class="brix---flex-horizontal"><div><div class="brix---mg-bottom-8px-3"><div class="brix---color-neutral-816"><h3 class="brix---heading-h4-size">Mael T.</h3></div></div></div></div></div></div><div class="brix---slide-item-mg w-slide"><div class="brix---card-testimonial-v13"><img src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/659d6a8974f1b84a5a756cc8_Design%20sans%20titre-14.png" loading="lazy" width="174" sizes="(max-width: 479px) 100vw, 174px" alt="" srcset="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/659d6a8974f1b84a5a756cc8_Design%20sans%20titre-14-p-500.png 500w, https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/659d6a8974f1b84a5a756cc8_Design%20sans%20titre-14-p-800.png 800w, https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/659d6a8974f1b84a5a756cc8_Design%20sans%20titre-14.png 940w"/><div class="brix---mg-bottom-24px-3"><div class="brix---color-neutral-819"><p class="brix---paragraph-default-8">Enfin une offre éthique pour épargner sans avoir peur que votre banque ferme et ne parte avec votre argent</p></div></div><div class="brix---flex-horizontal"><div><div class="brix---mg-bottom-8px-3"><div class="brix---color-neutral-816"><h3 class="brix---heading-h4-size">Nabil B.</h3></div></div></div></div></div></div><div class="brix---slide-item-mg w-slide"><div class="brix---card-testimonial-v13"><img src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/659d6a8974f1b84a5a756cc8_Design%20sans%20titre-14.png" loading="lazy" width="174" sizes="(max-width: 479px) 100vw, 174px" alt="" srcset="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/659d6a8974f1b84a5a756cc8_Design%20sans%20titre-14-p-500.png 500w, https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/659d6a8974f1b84a5a756cc8_Design%20sans%20titre-14-p-800.png 800w, https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/659d6a8974f1b84a5a756cc8_Design%20sans%20titre-14.png 940w"/><div class="brix---mg-bottom-24px-3"><div class="brix---color-neutral-819"><p class="brix---paragraph-default-8">J’ai souscrit au PER en 2021, et j’en suis ravi . <br/>Projet en adéquation avec mes valeurs éthiques. Un grand merci à l’équipe dynamique et ambitieuse en particulier Monsieur Naceri et Boutaleb. <br/>Je recommande vivement.</p></div></div><div class="brix---flex-horizontal"><div><div class="brix---mg-bottom-8px-3"><div class="brix---color-neutral-816"><h3 class="brix---heading-h4-size">Fouad S.</h3></div></div></div></div></div></div><div class="brix---slide-item-mg w-slide"><div class="brix---card-testimonial-v13"><img src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/659d6a8974f1b84a5a756cc8_Design%20sans%20titre-14.png" loading="lazy" width="174" sizes="(max-width: 479px) 100vw, 174px" alt="" srcset="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/659d6a8974f1b84a5a756cc8_Design%20sans%20titre-14-p-500.png 500w, https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/659d6a8974f1b84a5a756cc8_Design%20sans%20titre-14-p-800.png 800w, https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/659d6a8974f1b84a5a756cc8_Design%20sans%20titre-14.png 940w"/><div class="brix---mg-bottom-24px-3"><div class="brix---color-neutral-819"><p class="brix---paragraph-default-8">Perenys propose des produits éthiques qui permettent la défiscalisation en phase avec nos convictions. <br/>Nous avons eu de bon conseils de la part de l'équipe qui est très professionnelle et à l'écoute. <br/>Je recommande très vivement. </p></div></div><div class="brix---flex-horizontal"><div><div class="brix---mg-bottom-8px-3"><div class="brix---color-neutral-816"><h3 class="brix---heading-h4-size">Mimoune A.</h3></div></div></div></div></div></div><div class="brix---slide-item-mg w-slide"><div class="brix---card-testimonial-v13"><img src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/659d6a8974f1b84a5a756cc8_Design%20sans%20titre-14.png" loading="lazy" width="174" sizes="(max-width: 479px) 100vw, 174px" alt="" srcset="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/659d6a8974f1b84a5a756cc8_Design%20sans%20titre-14-p-500.png 500w, https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/659d6a8974f1b84a5a756cc8_Design%20sans%20titre-14-p-800.png 800w, https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/659d6a8974f1b84a5a756cc8_Design%20sans%20titre-14.png 940w"/><div class="brix---mg-bottom-24px-3"><div class="brix---color-neutral-819"><p class="brix---paragraph-default-8">Superbes équipes de confiance, j’ai ouvert mon épargne vie éthique, de très bon conseils, je recommande</p></div></div><div class="brix---flex-horizontal"><div><div class="brix---mg-bottom-8px-3"><div class="brix---color-neutral-816"><h3 class="brix---heading-h4-size">Seb G.</h3></div></div></div></div></div></div><div class="brix---slide-item-mg w-slide"><div class="brix---card-testimonial-v13"><img src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/659d6a8974f1b84a5a756cc8_Design%20sans%20titre-14.png" loading="lazy" width="174" sizes="(max-width: 479px) 100vw, 174px" alt="" srcset="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/659d6a8974f1b84a5a756cc8_Design%20sans%20titre-14-p-500.png 500w, https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/659d6a8974f1b84a5a756cc8_Design%20sans%20titre-14-p-800.png 800w, https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/659d6a8974f1b84a5a756cc8_Design%20sans%20titre-14.png 940w"/><div class="brix---mg-bottom-24px-3"><div class="brix---color-neutral-819"><p class="brix---paragraph-default-8">Nous avons souscrit un contrat d épargne retraite en 2021 avec Perenys. Les propositions d’épargne et de défiscalisation sont éthiques et responsables. <br/>Elles sont en adéquation avec nos valeures. L' accompagnement personnalisé est plus que satisfaisant. Equipe dynamique et à l'écoute. Je recommande vivement! N hésitez plus!</p></div></div><div class="brix---flex-horizontal"><div><div class="brix---mg-bottom-8px-3"><div class="brix---color-neutral-816"><h3 class="brix---heading-h4-size">Naima B.</h3></div></div></div></div></div></div></div><div class="brix---btn-slider-arrow-left---testimonial-v12 w-slider-arrow-left"><img src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/659d6553f4ff0141dbbbe127_left-arrow-line-icon-elements-brix-templates.svg" loading="lazy" alt="Icon - Elements Webflow Library - BRIX Templates"/></div><div class="brix---btn-slider-arrow-right---testimonial-v12 w-slider-arrow-right"><img src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/659d6553f4ff0141dbbbe128_right-arrow-line-icon-elements-brix-templates.svg" loading="lazy" alt="Icon - Elements Webflow Library - BRIX Templates"/></div><div class="brix---hidden-desktop w-slider-nav w-round"></div></div></div></div><div class="w-layout-hflex section-partenaires"><div data-delay="200" data-animation="slide" class="slider-2 w-slider" data-autoplay="false" data-easing="ease" data-hide-arrows="false" data-disable-swipe="true" data-autoplay-limit="0" data-nav-spacing="40" data-duration="10000" data-infinite="true"><div class="mask-4 w-slider-mask"><div class="slide-5 w-slide"><img sizes="(max-width: 479px) 34vw, (max-width: 1279px) 17vw, (max-width: 1439px) 185.765625px, 225.765625px" height="50" alt="HSBC logo " src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/659fc1b71b3f982ba8daf516_2560px-HSBC_logo_(2018).svg.png" srcset="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/659fc1b71b3f982ba8daf516_2560px-HSBC_logo_(2018).svg-p-500.png 500w, https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/659fc1b71b3f982ba8daf516_2560px-HSBC_logo_(2018).svg-p-800.png 800w, https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/659fc1b71b3f982ba8daf516_2560px-HSBC_logo_(2018).svg-p-1080.png 1080w, 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src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/659fc48be10e3b5c511248a6_v6_FT%20blackBackground_logo%20(1).png" srcset="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/659fc48be10e3b5c511248a6_v6_FT%20blackBackground_logo%20(1)-p-500.png 500w, https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/659fc48be10e3b5c511248a6_v6_FT%20blackBackground_logo%20(1).png 623w"/></div><div class="slide-5 w-slide"><img sizes="(max-width: 1439px) 100vw, 40px" height="50" alt="" src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/659fc1d0bff37400fadbd800_logo-couleur.png" loading="lazy" srcset="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/659fc1d0bff37400fadbd800_logo-couleur-p-500.png 500w, https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/659fc1d0bff37400fadbd800_logo-couleur-p-800.png 800w, https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/659fc1d0bff37400fadbd800_logo-couleur-p-1080.png 1080w, 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height="50" alt="" src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/659fc4a85dd232b93d291759_Sabria-Consulting-1.png"/></div></div><div class="left-arrow-2 w-slider-arrow-left"><div class="w-icon-slider-left"></div></div><div class="right-arrow-3 w-slider-arrow-right"><div class="w-icon-slider-right"></div></div><div class="slide-nav-2 w-slider-nav w-round"></div></div></div><div class="nos-chiffres-cles-sections"><div class="brix---container-default-13 w-container"><div data-w-id="2657d3cf-762e-49b6-9d70-3e4afe5fa00a" style="-webkit-transform:translate3d(0, 10%, 0) scale3d(1, 1, 1) rotateX(0) rotateY(0) rotateZ(0) skew(0, 0);-moz-transform:translate3d(0, 10%, 0) scale3d(1, 1, 1) rotateX(0) rotateY(0) rotateZ(0) skew(0, 0);-ms-transform:translate3d(0, 10%, 0) scale3d(1, 1, 1) rotateX(0) rotateY(0) rotateZ(0) skew(0, 0);transform:translate3d(0, 10%, 0) scale3d(1, 1, 1) rotateX(0) rotateY(0) rotateZ(0) skew(0, 0);opacity:0" class="brix---inner-container-490px-center"><div class="brix---text-center-6"><div class="brix---mg-bottom-56px-2"><div data-w-id="2657d3cf-762e-49b6-9d70-3e4afe5fa00d" style="-webkit-transform:translate3d(0, 10%, 0) scale3d(1, 1, 1) rotateX(0) rotateY(0) rotateZ(0) skew(0, 0);-moz-transform:translate3d(0, 10%, 0) scale3d(1, 1, 1) rotateX(0) rotateY(0) rotateZ(0) skew(0, 0);-ms-transform:translate3d(0, 10%, 0) scale3d(1, 1, 1) rotateX(0) rotateY(0) rotateZ(0) skew(0, 0);transform:translate3d(0, 10%, 0) scale3d(1, 1, 1) rotateX(0) rotateY(0) rotateZ(0) skew(0, 0);opacity:0" class="brix---inner-container-600px---center-3"><div class="brix---text-center-6"><div class="brix---color-neutral-827"><h3 class="brix---heading-h2-size-9">Nos chiffres clés</h3></div></div></div></div></div></div><div data-w-id="2657d3cf-762e-49b6-9d70-3e4afe5fa012" style="-webkit-transform:translate3d(0, 10%, 0) scale3d(1, 1, 1) rotateX(0) rotateY(0) rotateZ(0) skew(0, 0);-moz-transform:translate3d(0, 10%, 0) scale3d(1, 1, 1) rotateX(0) rotateY(0) rotateZ(0) skew(0, 0);-ms-transform:translate3d(0, 10%, 0) scale3d(1, 1, 1) rotateX(0) rotateY(0) rotateZ(0) skew(0, 0);transform:translate3d(0, 10%, 0) scale3d(1, 1, 1) rotateX(0) rotateY(0) rotateZ(0) skew(0, 0);opacity:0" class="w-layout-grid brix---grid-3-columns---1-col-mb"><div id="w-node-_2657d3cf-762e-49b6-9d70-3e4afe5fa013-ce0ddbc9" class="brix---card-stats-v3"><div class="brix---mg-bottom-24px-5"><div class="brix---color-neutral-827"><div class="brix---display-6"><span class="text-span-20">+</span> 2500</div></div></div><div class="brix---color-neutral-827"><h3 class="brix---heading-h3-size-4">Clients</h3></div></div><div id="w-node-_2657d3cf-762e-49b6-9d70-3e4afe5fa020-ce0ddbc9" class="brix---card-stats-v3"><div class="brix---mg-bottom-24px-5"><div class="brix---color-neutral-827"><div class="brix---display-6"><span class="text-span-49">+</span> 20 <span class="text-span-20">Millions</span></div></div></div><div class="brix---color-neutral-827"><h3 class="brix---heading-h3-size-4">D'épargne collectée</h3></div></div><div id="w-node-_2657d3cf-762e-49b6-9d70-3e4afe5fa02d-ce0ddbc9" class="brix---card-stats-v3"><div class="brix---mg-bottom-24px-5"><div class="brix---color-neutral-827"><div class="brix---display-6"><span class="text-span-22">+</span> 60<span class="brix---color-accent-6"></span></div></div></div><div class="brix---color-neutral-827"><h3 class="brix---heading-h3-size-4">Conseillers distributeurs</h3></div></div></div></div></div><section class="section-8"><div class="w-layout-blockcontainer container-103 w-container"><h1 class="heading-12-mobile">Comment générer un rendement sans riba? </h1><div class="div-block-100"><a href="/nos-performances" class="link-block-8 w-inline-block"><div>En 2023</div></a><div data-current="Tab 1" data-easing="ease" data-duration-in="300" data-duration-out="100" class="tabs-7 w-tabs"><div class="tabs-content-4 w-tab-content"><div data-w-tab="Tab 1" class="tab-pane-tab-1-2 w-tab-pane w--tab-active"><div class="div-block-102"><h3 class="heading-11">Performances de nos solutions éthiques en 2023</h3><img src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/65cfadcfa9ad6dfb4ed4cd96_Frame%204%20(6).svg" alt="performances perenys profil investissement halal responsable" width="894" height="Auto" class="image-62"/></div><div data-w-id="f4d55f81-c941-6365-a2e6-ba31601552d9" class="w-layout-grid brix---grid-3-columns---1-col-mb-2"><div id="w-node-f4d55f81-c941-6365-a2e6-ba31601552da-601552be" class="brix---card-stats-v3-2"><div class="brix---color-neutral-829"><h4 class="brix---heading-h3-size-5">Livret A<br/><span class="text-span-50">Banque classique</span></h4></div><div class="brix---mg-bottom-24px-6"><div class="brix---color-neutral-829"><div class="brix---display-7">3 <span class="text-span-46">%</span></div></div></div></div><div id="w-node-f4d55f81-c941-6365-a2e6-ba31601552ee-601552be" class="brix---card-stats-v3-2"><div class="brix---color-neutral-829"><h4 class="brix---heading-h3-size-5">Profil prudent<br/><span class="text-span-50">Perenys</span></h4></div><div class="brix---mg-bottom-24px-6"><div class="brix---color-neutral-829"><div class="brix---display-7">4,41 <span class="brix---color-accent-7">%</span></div></div></div></div><div id="w-node-f4d55f81-c941-6365-a2e6-ba31601552e4-601552be" class="brix---card-stats-v3-2"><div class="brix---color-neutral-829"><h4 class="brix---heading-h3-size-5">Profil équilibre<br/><span class="text-span-50">Perenys</span></h4></div><div class="brix---mg-bottom-24px-6"><div class="brix---color-neutral-829"><div class="brix---display-7">9,53 <span class="text-span-47">%</span></div></div></div></div><div id="w-node-_523d2241-f5ab-2e10-039d-0595ea9ac5e1-601552be" class="brix---card-stats-v3-2"><div class="brix---color-neutral-829"><h4 class="brix---heading-h3-size-5">Profil dynamique<br/><span class="text-span-50">Perenys</span></h4></div><div class="brix---mg-bottom-24px-6"><div class="brix---color-neutral-829"><div class="brix---display-7">14,64 <span class="text-span-46">%</span></div></div></div></div></div></div></div></div></div><div class="div-block-101"><h2 class="heading-12">Comment générer un rendement sans riba ? </h2><div class="text-block-36">Les investissements de Perenys se diversifient entre des actions et des sukuk. <br/>Les sukuk représentent des parts dans un actif tangible ou dans un projet d'affaires et sont structurés de manière à générer un retour sur investissement sans impliquer de paiement d'intérêt.<br/>Un sukuk est un instrument financier qui interdit l'intérêt (riba).<br/><br/><span class="text-span-48">Nos solutions sont certifiées <strong>sans</strong> <strong>Riba</strong> par un Comité de Conformité Éthique (CCE) indépendant et auditée par le cabinet ADEPE.</span></div><div class="div-block-104"><img src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/65bd269fc1ffb49ac2d542c1_icon-line-rounded-arrow-light-elements-brix-templates.svg" loading="lazy" width="20" alt="Icon - Elements Webflow Library - BRIX Templates" class="image-63"/><a href="/nos-performances" class="link-9">Voir les performances</a></div><a href="/simulateurs/simulateurs-perenys" class="brix---btn-primary-lp w-inline-block"><div>Simulez votre projet </div></a></div></div><div class="sysf-alert-info"><img src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/65c20165f933088e0a986396_Frame%201%20(5).svg" loading="lazy" width="38" alt=""/><div class="sysf-alert-content"><div class="sysf-body-text sysf-m">Les performances présentées correspondent à un investissement entre le 1er janvier 2023 et le 31 décembre 2023 sur les portefeuilles d’allocation conseillés par Perenys sur le contrat Epargne Vie.<br/><span>Le livret A est un produit garanti en capital à la différence de l’assurance-vie qui est un produit pour lequel il existe un risque de perte en capital.</span>Les performances passées ne préjugent pas des performances futures et ne doivent pas être perçues comme des recommandations d'investissement. Investir comporte des risques, notamment de perte en capital.</div></div></div></section><section class="section-comparaison"><h2 class="heading-5-slider">Ne laissez plus votre argent dormir sur votre compte !</h2><div class="w-layout-blockcontainer container-39 w-container"><p class="paragraph-slider"> Si vous aviez placé <span class="text-span-52">10 000€ </span>de 2012 à 2022 la valeur de votre épargne serait de 17 156 € soit <span class="text-span-2"> un bénéfice de 7 156€</span></p><p class="paragraph-slider">Si vous aviez laissé <strong>10 000€ </strong>sur votre compte de 2012 à 2022 à cause de l'inflation<span class="text-span-2"> la valeur de votre épargne aurait baissé de 1 132€</span></p></div><div class="div-block-40"><div data-w-id="1c585073-7c9d-6bad-068d-e1e334f071df" class="div-block-46"><img src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/66704d87d5a3c7ad4fdf0ac1_Success-4.png" srcset="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/66704d87d5a3c7ad4fdf0ac1_Success-4-p-500.png 500w, https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/66704d87d5a3c7ad4fdf0ac1_Success-4-p-800.png 800w, https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/66704d87d5a3c7ad4fdf0ac1_Success-4-p-1080.png 1080w, https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/66704d87d5a3c7ad4fdf0ac1_Success-4.png 1505w" width="387" sizes="(max-width: 479px) 100vw, (max-width: 767px) 34vw, (max-width: 1279px) 35vw, (max-width: 1439px) 387px, (max-width: 1919px) 19vw, 20vw" alt="Note investissement éthique" class="image-46"/></div><img src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/66ba02a2d1e637210a17d457_Task%20Management-2.png" sizes="(max-width: 479px) 100vw, (max-width: 991px) 85vw, (max-width: 1919px) 698px, 59vw" data-w-id="1c585073-7c9d-6bad-068d-e1e334f071e1" alt="Graphique performance perenys " width="698" srcset="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/66ba02a2d1e637210a17d457_Task%20Management-2-p-500.png 500w, https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/66ba02a2d1e637210a17d457_Task%20Management-2-p-800.png 800w, https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/66ba02a2d1e637210a17d457_Task%20Management-2-p-1080.png 1080w, https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/66ba02a2d1e637210a17d457_Task%20Management-2.png 1236w" class="image-26"/><div data-w-id="4f9962d6-b3af-a15f-ea81-b6f6acab7fb6" class="div-block-47"><img src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/65a68845af6fe0a7e3296809_Success-3.png" loading="lazy" width="523" sizes="100vw" alt="" srcset="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/65a68845af6fe0a7e3296809_Success-3-p-500.png 500w, https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/65a68845af6fe0a7e3296809_Success-3-p-800.png 800w, https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/65a68845af6fe0a7e3296809_Success-3-p-1080.png 1080w, https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/65a68845af6fe0a7e3296809_Success-3.png 1505w" class="image-44"/></div><p class="paragraph-slider-style">Les unités de compte représentent un risque de perte en capital et sont soumises aux fluctuations des marchés financiers à la hausse comme à la baisse, les performances passées ne préjugent pas des performances futures.</p></div></section><div id="simulateur" class="bloc-simulateur"><a href="https://crm.zoho.eu/bookings/Découvertesolutionsperenys?rid=5c1c91d6a2df293867dc39a10b20d9dba57b95fd96cd59f4707c3b8c14157b9fgiddde1c3c81939bc22c2edc32e6cba09fbae80ed3e42072367474f489a59357bb0" class="brix---btn-primary-lp-enfant w-button">Prenez Rendez-Vous</a><div class="container-9 w-container"><div class="w-layout-grid grid-title-section"><div id="w-node-_9049aebc-310e-2a3e-0aca-140207dfe515-ce0ddbc9" class="grid-left">Simulez votre projet d'épargne éthique en quelques clics</div></div><div class="simulateurs"><a href="/simulateurs/simulateur-plan-epargne-vie" class="simulateur-card w-inline-block"><div class="icon-simulateur-card"><img src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/641c18ad4b485b317b5d6eda_icon-immobilier.png" alt="icone Immobilier halal" width="100" height="100" class="icon-simulateur"/></div><div class="simulateur-title">Préparer mon
achat immobilier</div></a><a href="/simulateurs/simulateur-plan-epargne-retraite" class="simulateur-card w-inline-block"><div class="icon-simulateur-card"><img src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/641c18ae7b827acb6ea621d7_icon-retraite.png" alt="icone retraite halal" width="100" height="100" class="icon-simulateur"/></div><div class="simulateur-title">Anticiper ma retraite</div></a><a href="/simulateurs/simulateur-plan-epargne-vie" class="simulateur-card w-inline-block"><div class="icon-simulateur-card"><img src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/641c18ae68c1a5f3467fec83_icon-enfant.png" alt="icone epargne enfant halal" width="100" height="100" class="icon-simulateur"/></div><div class="simulateur-title">Prévoir l'avenir de mes enfants</div></a><a href="/simulateurs/simulateur-fiscal" class="simulateur-card w-inline-block"><div class="icon-simulateur-card"><img src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/641c18afbd6fc651f6478ed5_icon-fiscalite.png" alt="icone fiscalité halal" width="100" height="100" class="icon-simulateur"/></div><div class="simulateur-title">Optimiser ma fiscalité</div></a></div><div class="div-block-112"><a href="/simulateurs/simulateur-plan-epargne-vie" class="button-project w-inline-block"><img src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/642a99bec09000be61766ca0_simulateur-projet-perenys.png" alt="Projet halal" class="vectors-wrapper-5"/><div class="simulateur-title">J’ai un autre projet d’épargne</div></a></div></div></div><div class="w-layout-blockcontainer container-32 w-container"><div class="div-block-33"><img src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/64afeb2630ded3431382f740_Sans%20titre%20-%201.svg" alt="annonce halal" width="63" class="image-20"/><div class="div-block-34"><h2 class="heading-3---perenys"><a href="/defiscalisez-avec-l-epargne-ethique" class="link-4">Depuis 2022 c'est plus de <strong>1 million € d'économie d'impôt</strong> réalisée par nos clients</a></h2><a href="/simulateurs/simulateur-fiscal" class="primary-btn-acceuil w-inline-block"><div class="button-text">Je calcule mon avantage fiscal</div></a></div></div></div><div class="brix---section-4"><div class="brix---container-default-8 w-container"><div data-w-id="73c2f217-18c2-60f8-241e-401bd56e18de" class="brix---inner-container-1012px-center-2"><div class="w-layout-grid brix---grid-1-column-gap-row-2"><div data-w-id="73c2f217-18c2-60f8-241e-401bd56e18e0" class="brix---accordion-item-wrapper-v2"><div class="brix---accordion-content-wrapper-v2-2"><div class="brix---accordion-header-2"><div class="brix---color-neutral-814"><h3 class="brix---accordion-title-2">Un accompagnement personnalisé avec un expert de notre réseau</h3></div></div><div class="brix---acordion-body-2"><div class="brix---color-neutral-813"><div class="features-list-single"><div class="features-list-single-check"></div><div class="features-text">Des conseillers engagés et spécialisés en finance pour pérenniser vos investissements éthiques.</div></div><div class="features-list-single"><div class="features-list-single-check"></div><div class="features-text">Activités homologuées par l’ORIAS</div></div><div class="features-list-single"><div class="features-list-single-check"></div><div class="features-text">Conseillers formés aux solutions d’épargne éthiques</div></div><div class="features-list-single"><div class="features-list-single-check"></div><div class="features-text">Parcours de souscription soumis aux devoirs réglementaires de conseil</div></div></div></div></div><div class="brix---accordion-right-side-2"><div class="brix---accordion-icon-wrapper-2"><div class="brix---accordion-btn-vertical-line-v2"></div><div class="brix---accordion-btn-horizontal-line-v2"></div></div></div></div><div data-w-id="73c2f217-18c2-60f8-241e-401bd56e18fc" class="brix---accordion-item-wrapper-v2"><div class="brix---accordion-content-wrapper-v2-2"><div class="brix---accordion-header-2"><div class="brix---color-neutral-814"><h3 class="brix---accordion-title-2">Prenez le contrôle sur votre épargne</h3></div></div><div class="brix---acordion-body-2"><div class="brix---accordion-spacer-2"></div><div class="brix---color-neutral-813"><div class="features-list-single"><div class="features-list-single-check"></div><div class="features-text">Un accès pour suivre votre épargne et savoir comment elle est investie.</div></div><div class="features-list-single"><div class="features-list-single-check"></div><div class="features-text">Une explication claire et détaillée de notre stratégie d'investissement éthique. </div></div><div class="features-list-single"><div class="features-list-single-check"></div><div class="features-text">La publication de nos allocations et des critères extra financiers utilisés.</div></div></div></div></div><div class="brix---accordion-right-side-2"><div class="brix---accordion-icon-wrapper-2"><div class="brix---accordion-btn-vertical-line-v2"></div><div class="brix---accordion-btn-horizontal-line-v2"></div></div></div></div><div data-w-id="73c2f217-18c2-60f8-241e-401bd56e1915" class="brix---accordion-item-wrapper-v2"><div class="brix---accordion-content-wrapper-v2-2"><div class="brix---accordion-header-2"><div class="brix---color-neutral-814"><h3 class="brix---accordion-title-2">Des solutions certifiées sans rendements liés à la dette.</h3></div></div><div class="brix---acordion-body-2"><div class="brix---color-neutral-813"><div class="features-list-single"><div class="features-list-single-check"></div><div class="features-text">Exclusion des secteurs d'activité non conforme à l'éthique et des rendements liés à la dette.</div></div><div class="features-list-single"><div class="features-list-single-check"></div><div class="features-text">Des placements dans l'économie réelle : Infrastructures, sociétés proposant des produits ou services, matières premières...</div></div><div class="features-list-single"><div class="features-list-single-check"></div><div class="features-text">Un rendement éthique, résultat des bénéfices des entreprises dans lesquelles votre épargne est investie et non un intérêt pour rémunérer votre argent</div></div><div class="features-list-single"><div class="features-list-single-check"></div><div class="features-text">Des solutions épargne éthiques certifiées <strong>sans riba</strong></div></div></div></div></div><div class="brix---accordion-right-side-2"><div class="brix---accordion-icon-wrapper-2"><div class="brix---accordion-btn-vertical-line-v2"></div><div class="brix---accordion-btn-horizontal-line-v2"></div></div></div></div></div></div></div></div><div class="cf-faq-container-2"><div class="brix---section-10"><div class="brix---container-default-15 w-container"><div class="brix---mg-bottom-48px-4"><div data-w-id="4dd79020-5e9b-431a-7fbf-66c6a7f682da" class="brix---inner-container-574px---center-3"><div class="brix---text-center-8"><div class="brix---mg-bottom-16px-5"><div class="brix---color-neutral-831"><h2 class="brix---heading-h2-size-11">Vos questions sur l'épargne éthique</h2></div></div></div></div></div><div data-w-id="4dd79020-5e9b-431a-7fbf-66c6a7f682e0" class="w-layout-grid brix---grid-2-columns-stats-v4-2"><div class="w-layout-grid brix---grid-1-column-gap-row-24px-2"><div data-w-id="4dd79020-5e9b-431a-7fbf-66c6a7f682e2" class="brix---accordion-item-wrapper-v4-2"><div class="brix---accordion-content-wrapper-2"><div class="brix---accordion-header-3"><div class="brix---color-neutral-831"><h3 class="brix---accordion-title-3">Mon argent est-il en sécurité ?</h3><div class="uui-icon-featured-outline-large align-center"><img src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/65c0c1672acb33427e2e99e2_fi_lock%20(2).svg" loading="lazy" alt=""/></div></div></div><div class="brix---acordion-body-3"><div class="brix---accordion-spacer-3"></div><div class="brix---color-neutral-830"><div class="brix---paragraph-default-12"><p class="brix---mg-bottom-2">Les contrats de Perenys sont adossés à un grand assureur français, filliale du groupe Crédit Mutuelle, 3ème assureur vie français avec plus de <strong>146 milliards d'euros d'encours</strong>, couvert par le Fonds de Garantie des Assurances de Personnes (FGAP). <br/><br/>Perenys est un intermédiaire, votre argent est détenu chez notre partenaire assureur, à votre nom. Ce statut d’intermédiaire vous protège de tout risque lié à Perenys.</p></div></div></div></div><div class="brix---accordion-icon-wrapper-3"><img src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/64e749658681676ffd002c4c_chevron-right-icon-elements-brix-templates.svg" alt="Icon - Elements Webflow Library - BRIX Templates" class="brix---accordion-arrow-icon-2"/></div></div><div data-w-id="4dd79020-5e9b-431a-7fbf-66c6a7f682f9" class="brix---accordion-item-wrapper-v4-2"><div class="brix---accordion-content-wrapper-2"><div class="brix---accordion-header-3"><div class="brix---color-neutral-831"><h3 class="brix---accordion-title-3">Sur quels supports d’investissement mon argent est-il investi par Perenys ?</h3><div class="uui-icon-featured-outline-large align-center"><div class="uui-icon-1x1-xsmall-2 w-embed"><svg width="24" height="24" viewbox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg">
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</svg></div></div></div></div><div class="brix---acordion-body-3"><div class="brix---accordion-spacer-3"></div><div class="brix---color-neutral-830"><div class="brix---paragraph-default-12"><p class="brix---mg-bottom-2"><strong>Perenys</strong> investit l'épargne de ses clients sur un mix de fonds OPCVM (appelés unité de compte UC). <br/><strong>Perenys</strong> n'investit pas dans les fonds euros composés essentiellement par des produits de dette.<br/><br/>Les fonds sélectionnés par <strong>Perenys</strong> sont des paniers de centaines <strong>d'actions et de Sukuk</strong> ayant comme objectif de surperformer les marchés. <br/>Ces actifs sont choisis sur la base de critères financier (performance et risque) et extra-financier (éthiques).<br/>En suivant nos propositions de portefeuille, vous vous garantissez ainsi une diversification de portefeuille optimale et en ligne avec vos valeurs éthiques.</p></div></div></div></div><div class="brix---accordion-icon-wrapper-3"><img src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/64e749658681676ffd002c4c_chevron-right-icon-elements-brix-templates.svg" alt="Icon - Elements Webflow Library - BRIX Templates" class="brix---accordion-arrow-icon-2"/></div></div></div><div class="w-layout-grid brix---grid-1-column-gap-row-24px-2"><div data-w-id="4dd79020-5e9b-431a-7fbf-66c6a7f6831d" class="brix---accordion-item-wrapper-v4-2"><div class="brix---accordion-content-wrapper-2"><div class="brix---accordion-header-3"><div class="brix---color-neutral-831"><h3 class="brix---accordion-title-3">Où va l’argent que j’investis sur les contrats Perenys ? Est-il bloqué ?</h3><div class="uui-icon-featured-outline-large align-center"><div class="uui-icon-1x1-xsmall-2 w-embed"><svg width="24" height="24" viewbox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg">
<path d="M20 17H4M4 17L8 13M4 17L8 21M4 7H20M20 7L16 3M20 7L16 11" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"/>
</svg></div></div></div></div><div class="brix---acordion-body-3"><div class="brix---accordion-spacer-3"></div><div class="brix---color-neutral-830"><div class="brix---paragraph-default-12"><p class="brix---mg-bottom-2">Dans un contrat d'assurance-vie, il y a généralement trois acteurs : un courtier, un conseiller et un assureur. <br/><br/><strong>Perenys</strong> remplit le rôle de courtier et de conseiller, <strong>Suravenir</strong> est l'assureur. <br/>Lorsque vous souscrivez un contrat d'épargne vie Perenys, le contrat vous est vendu par Perenys, les propositions d'investissement pour votre argent le sont aussi mais votre argent est détenu chez Suravenir, à votre nom. <br/><br/><strong>L'argent investi n'est jamais bloqué</strong> : en cas de demande à Perenys, Suravenir vous le versera en 72h ouvrées.</p></div></div></div></div><div class="brix---accordion-icon-wrapper-3"><img src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/64e749658681676ffd002c4c_chevron-right-icon-elements-brix-templates.svg" alt="Icon - Elements Webflow Library - BRIX Templates" class="brix---accordion-arrow-icon-2"/></div></div><div data-w-id="4dd79020-5e9b-431a-7fbf-66c6a7f6833d" class="brix---accordion-item-wrapper-v4-2"><div class="brix---accordion-content-wrapper-2"><div class="brix---accordion-header-3"><div class="brix---color-neutral-831"><h3 class="brix---accordion-title-3">Comment le rendement est généré sans intérêts ?</h3><div class="uui-icon-featured-outline-large align-center"><div class="uui-icon-1x1-xsmall-2 w-embed"><svg width="24" height="24" viewbox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg">
<path d="M4.93 4.93L19.07 19.07M22 12C22 17.5228 17.5228 22 12 22C6.47715 22 2 17.5228 2 12C2 6.47715 6.47715 2 12 2C17.5228 2 22 6.47715 22 12Z" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"/>
</svg></div></div></div></div><div class="brix---acordion-body-3"><div class="brix---accordion-spacer-3"></div><div class="brix---color-neutral-830"><div class="brix---paragraph-default-12"><p class="brix---mg-bottom-2">Les investissements<strong> Perenys</strong> sont faits sur <strong>des actions et des Sukuks</strong>. <br/>Le rendement sur une action est lié à la propriété d'une partie d'une entreprise et peut varier largement en fonction de la performance financière et opérationnelle de l'entreprise ainsi que des conditions du marché, tandis que le rendement de taux d'intérêt est associé au prêt d'argent et est généralement plus prévisible et moins risqué. <br/><br/>Un Sukuk est un instrument financier qui interdit l'intérêt <strong>(riba)</strong>. Les Sukuk représentent des parts dans un actif tangible ou dans un projet d'affaires et sont structurés de manière à générer un retour sur investissement sans impliquer de paiement d'intérêt.<br/>Nos solutions sont certifiées <strong>sans</strong> <strong>Riba</strong> par un Comité de Conformité Éthique (CCE) indépendant et auditée par le cabinet <strong>(ADEPE)</strong> pour vous garantir des solutions <strong>sans riba</strong> conforme à vos valeurs éthiques.</p></div></div></div></div><div class="brix---accordion-icon-wrapper-3"><img src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/64e749658681676ffd002c4c_chevron-right-icon-elements-brix-templates.svg" alt="Icon - Elements Webflow Library - BRIX Templates" class="brix---accordion-arrow-icon-2"/></div></div></div></div></div></div></div><div class="brix---cta-bg-overlay"><div class="brix---container-default-8 w-container"><div class="w-layout-grid brix---grid-cta-v10"><div 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while (c.charAt(0) == ' ') {
c = c.substring(1);
}
if (c.indexOf(name) == 0) {
return c.substring(name.length, c.length);
}
}
return "";
}
window.onload = function() {
var newsletterForm = document.getElementById('form-newsletter');
var newsletterPopup = document.getElementById('newsletter-popup');
if (getCookie('newsletter_subscribed') == 'true') {
newsletterPopup.style.display = 'none';
} else {
newsletterForm.addEventListener('submit', function(e) {
e.preventDefault();
var emailInput = newsletterForm.querySelector('input[type="email"]');
var emailValue = emailInput.value;
if (emailValue && /^[^\s@]+@[^\s@]+\.[^\s@]+$/.test(emailValue)) {
setCookie('newsletter_subscribed', 'true', 365);
console.log(document.cookie);
newsletterPopup.style.display = 'none';
} else {
alert('Adresse e-mail invalide');
}
});
}
};
</script><script>
const delay = 10; // Délai en secondes avant l'apparition du pop-up
const popupId = "pop-up-wrapper-copy"; // ID du pop-up
document.addEventListener("DOMContentLoaded", function() {
// Déclenche l'affichage du pop-up après le délai
setTimeout(function() {
document.getElementById(popupId).style.display = "flex";
}, delay * 1000); // Conversion du délai en millisecondes
});
</script>
<!-- Scripts by Justa | Countdown -->
<script src="https://cdn.jsdelivr.net/npm/@justaa/scripts/dist/util/countdown.js"></script></body></html>
