{"id":2179,"date":"2023-12-05T11:23:15","date_gmt":"2023-12-05T10:23:15","guid":{"rendered":"https:\/\/www.feodus-finance.fr\/defiscalisation\/?page_id=2179"},"modified":"2023-12-07T20:12:24","modified_gmt":"2023-12-07T19:12:24","slug":"deblocage-epargne-salariale","status":"publish","type":"page","link":"https:\/\/www.feodus-finance.fr\/defiscalisation\/deblocage-epargne-salariale\/","title":{"rendered":"D\u00e9blocage de l&#8217;\u00e9pargne salariale"},"content":{"rendered":"\n<h2 class=\"gb-headline gb-headline-b5937dea\"><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 36.7 3\"><path d=\"M0 0h36.7v3H0z\"><\/path><\/svg><\/span><span class=\"gb-headline-text\">D\u00e9blocage de l&#8217;\u00e9pargne salariale<\/span><\/h2>\n\n\n\n<p class=\"gb-headline gb-headline-fbce00a7 gb-headline-text\">Une option \u00e0 envisager pour les salari\u00e9s et leur entreprise<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le d\u00e9blocage exceptionnel de l&#8217;\u00e9pargne salariale est une mesure qui permet aux salari\u00e9s de disposer, sous certaines conditions, des sommes attribu\u00e9es au titre de la participation ou d&#8217;un plan d&#8217;\u00e9pargne salariale. Dans un contexte \u00e9conomique difficile, cette solution peut \u00eatre avantageuse pour les salari\u00e9s comme pour les entreprises.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Pourquoi opter pour le d\u00e9blocage exceptionnel de l&#8217;\u00e9pargne salariale ?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">L&#8217;\u00e9pargne salariale est un m\u00e9canisme destin\u00e9 \u00e0 associer les salari\u00e9s aux r\u00e9sultats de leur entreprise. Elle prend g\u00e9n\u00e9ralement la forme de droits \u00e0 participation vers\u00e9s par l&#8217;entreprise, en plus du salaire habituel, sur des plans d&#8217;\u00e9pargne salariale (PEE, PEI, PERCO). Cette \u00e9pargne est habituellement bloqu\u00e9e pendant une dur\u00e9e minimale de 5 ans, sauf cas particuliers (mariage, naissance, achat immobilier&#8230;).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Toutefois, il existe \u00e9galement des circonstances exceptionnelles qui peuvent justifier un d\u00e9blocage anticip\u00e9 de cette \u00e9pargne. Ces situations peuvent concerner aussi bien les salari\u00e9s que l&#8217;entreprise elle-m\u00eame.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Les avantages pour les salari\u00e9s<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Acc\u00e9der \u00e0 une somme financi\u00e8re significative rapidement :<\/strong> dans certains cas, un \u00e9v\u00e9nement impr\u00e9vu (ch\u00f4mage, handicap, divorce&#8230;) peut n\u00e9cessiter d&#8217;obtenir rapidement une somme d&#8217;argent importante. Le d\u00e9blocage exceptionnel de l&#8217;\u00e9pargne salariale permet aux salari\u00e9s concern\u00e9s de disposer de cette \u00e9pargne plus t\u00f4t.<\/li>\n\n\n\n<li><strong>Optimiser sa fiscalit\u00e9 :<\/strong> les sommes issues de la participation et de l&#8217;int\u00e9ressement sont soumises \u00e0 un taux forfaitaire de pr\u00e9l\u00e8vement lib\u00e9ratoire, g\u00e9n\u00e9ralement moins \u00e9lev\u00e9 que le bar\u00e8me progressif de l&#8217;imp\u00f4t sur le revenu (except\u00e9 pour certains produits financiers). Un d\u00e9blocage anticip\u00e9 peut donc s&#8217;av\u00e9rer int\u00e9ressant pour les salari\u00e9s dont la tranche d&#8217;imposition est \u00e9lev\u00e9e.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Les avantages pour les entreprises<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Financer des investissements strat\u00e9giques :<\/strong> en cas de plan social ou de restructuration par exemple, l&#8217;entreprise peut \u00eatre amen\u00e9e \u00e0 rechercher des ressources financi\u00e8res suppl\u00e9mentaires pour financer ses projets et pr\u00e9server son d\u00e9veloppement. Dans ce contexte, le d\u00e9blocage exceptionnel de l&#8217;\u00e9pargne salariale constitue une source potentielle de financement non n\u00e9gligeable.<\/li>\n\n\n\n<li><strong>Maintenir la motivation des salari\u00e9s :<\/strong> face \u00e0 une situation \u00e9conomique difficile, il peut \u00eatre opportun de r\u00e9compenser les efforts des salari\u00e9s en leur offrant la possibilit\u00e9 de disposer d&#8217;une partie de leur \u00e9pargne salariale sous forme de compl\u00e9ment de r\u00e9mun\u00e9ration.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Comment mettre en place un d\u00e9blocage exceptionnel de l&#8217;\u00e9pargne salariale ?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La proc\u00e9dure de mise en place d&#8217;un d\u00e9blocage exceptionnel de l&#8217;\u00e9pargne salariale diff\u00e8re selon les cas et n\u00e9cessite le respect de certaines conditions et d\u00e9marches :<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Cas des \u00e9v\u00e9nements personnels ou familiaux du salari\u00e9<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Pour b\u00e9n\u00e9ficier d&#8217;un d\u00e9blocage anticip\u00e9 au titre d&#8217;un \u00e9v\u00e9nement personnel ou familial (mariage, PACS, naissance, d\u00e9c\u00e8s&#8230;), le salari\u00e9 doit pr\u00e9senter une demande \u00e9crite \u00e0 son employeur ou \u00e0 l&#8217;organisme gestionnaire du plan d&#8217;\u00e9pargne salariale accompagn\u00e9e des justificatifs n\u00e9cessaires. La demande doit \u00eatre effectu\u00e9e dans un d\u00e9lai maximum de six mois \u00e0 compter de la survenance de l&#8217;\u00e9v\u00e9nement.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Cas du d\u00e9blocage exceptionnel li\u00e9 \u00e0 l&#8217;entreprise<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Lorsque le d\u00e9blocage exceptionnel concerne l&#8217;ensemble des salari\u00e9s et est d\u00e9cid\u00e9 par l&#8217;entreprise elle-m\u00eame, les \u00e9tapes sont les suivantes :<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>D\u00e9cision du dirigeant de l&#8217;entreprise :<\/strong> en premier lieu, le dirigeant de l&#8217;entreprise doit prendre la d\u00e9cision de mettre en place un d\u00e9blocage exceptionnel de l&#8217;\u00e9pargne salariale pour l&#8217;ensemble des salari\u00e9s. Cette d\u00e9cision peut notamment \u00eatre prise lors d&#8217;un comit\u00e9 ex\u00e9cutif ou d&#8217;un conseil d&#8217;administration.<\/li>\n\n\n\n<li><strong>Consultation des instances repr\u00e9sentatives du personnel :<\/strong> avant de mettre en \u0153uvre cette mesure, l&#8217;employeur doit obligatoirement consulter les instances repr\u00e9sentatives du personnel (comit\u00e9 social et \u00e9conomique, d\u00e9l\u00e9gu\u00e9s syndicaux&#8230;).<\/li>\n\n\n\n<li><strong>Information des salari\u00e9s :<\/strong> enfin, l&#8217;entreprise doit informer les salari\u00e9s de la mise en place du d\u00e9blocage exceptionnel de leur \u00e9pargne salariale et des modalit\u00e9s pratiques \u00e0 suivre pour en b\u00e9n\u00e9ficier.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\">Quelles incidences fiscales et sociales pour le salari\u00e9 et l&#8217;entreprise ?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Le d\u00e9blocage exceptionnel de l&#8217;\u00e9pargne salariale entra\u00eene des cons\u00e9quences fiscales et sociales tant pour les salari\u00e9s que pour les entreprises. Il est important de bien les conna\u00eetre afin d&#8217;\u00e9valuer les avantages r\u00e9els de cette op\u00e9ration.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Pour le salari\u00e9<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Les sommes issues du d\u00e9blocage exceptionnel de l&#8217;\u00e9pargne salariale sont imposables sur le revenu dans la cat\u00e9gorie des traitements et salaires. Elles sont donc soumises au bar\u00e8me progressif de l&#8217;imp\u00f4t sur le revenu apr\u00e8s application d&#8217;un abattement forfaitaire de 10 %, comme tous les autres \u00e9l\u00e9ments de r\u00e9mun\u00e9ration per\u00e7us par le salari\u00e9.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cependant, si ces sommes proviennent de droits \u00e0 participation, elles continuent \u00e0 b\u00e9n\u00e9ficier d&#8217;un taux forfaitaire de pr\u00e9l\u00e8vement lib\u00e9ratoire qui, sauf option contraire du salari\u00e9, s\u2019applique automatiquement lors du versement des sommes par l&#8217;entreprise ou par l&#8217;\u00e9tablissement gestionnaire du plan d&#8217;\u00e9pargne salariale. Ce taux est g\u00e9n\u00e9ralement moins \u00e9lev\u00e9 que le bar\u00e8me progressif de l&#8217;imp\u00f4t sur le revenu.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Pour l&#8217;entreprise<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le d\u00e9blocage exceptionnel de l&#8217;\u00e9pargne salariale n&#8217;est pas consid\u00e9r\u00e9 comme un \u00e9l\u00e9ment de r\u00e9mun\u00e9ration \u00e0 part enti\u00e8re, mais plut\u00f4t comme une avance sur les sommes d\u00e9j\u00e0 \u00e9pargn\u00e9es. Il n&#8217;a donc pas d&#8217;incidence sur le calcul des cotisations sociales dues par l&#8217;employeur et ne constitue pas un \u00e9l\u00e9ment imposable pour la taxe sur les salaires ou pour la participation aux b\u00e9n\u00e9fices.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En revanche, cette op\u00e9ration peut avoir un impact sur la gestion financi\u00e8re de l&#8217;entreprise, notamment si elle doit financer en urgence des investissements ou si elle conna\u00eet une baisse de tr\u00e9sorerie temporaire.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Bien pr\u00e9parer son d\u00e9blocage exceptionnel de l&#8217;\u00e9pargne salariale<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Faire le choix d&#8217;un d\u00e9blocage exceptionnel de l&#8217;\u00e9pargne salariale pr\u00e9sente des avantages certains pour les salari\u00e9s comme pour leur entreprise. Toutefois, il est primordial de bien pr\u00e9parer cette op\u00e9ration, tant sur le plan fiscal et social que sur celui de la gestion des ressources humaines et financi\u00e8res de l&#8217;entreprise. Une bonne coordination entre les diff\u00e9rents acteurs concern\u00e9s au sein de l&#8217;organisation est essentielle pour optimiser les gains et \u00e9viter les \u00e9cueils li\u00e9s \u00e0 ce m\u00e9canisme.<\/p>\n\n\n<div class=\"gb-container gb-container-c96aa272\">\n<div class=\"gb-container gb-container-a4b5cd2e\">\n\n<h3 class=\"gb-headline gb-headline-b8d93b26\"><span class=\"gb-icon\"><svg aria-hidden=\"true\" role=\"img\" height=\"1em\" width=\"1em\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill=\"currentColor\" d=\"M466.5 83.7l-192-80a48.15 48.15 0 0 0-36.9 0l-192 80C27.7 91.1 16 108.6 16 128c0 198.5 114.5 335.7 221.5 380.3 11.8 4.9 25.1 4.9 36.9 0C360.1 472.6 496 349.3 496 128c0-19.4-11.7-36.9-29.5-44.3zM256.1 446.3l-.1-381 175.9 73.3c-3.3 151.4-82.1 261.1-175.8 307.7z\"><\/path><\/svg><\/span><span class=\"gb-headline-text\"><a href=\"https:\/\/www.feodus-finance.fr\/defiscalisation\/epargne-salariale-et-fiscalite\/\">Fiscalit\u00e9 de l&#8217;\u00e9pargne salariale<\/a><\/span><\/h3>\n\n\n\n<p class=\"gb-headline gb-headline-940b6b59 gb-headline-text\">L&#8217;essentiel de la fiscalit\u00e9 applicable \u00e0 l&#8217;\u00e9pargne salariale.<\/p>\n\n\n\n<a class=\"gb-button gb-button-3898b100\" href=\"https:\/\/www.feodus-finance.fr\/defiscalisation\/epargne-salariale-et-fiscalite\/\"><span class=\"gb-button-text\">En savoir plus<\/span><span class=\"gb-icon\"><svg aria-hidden=\"true\" role=\"img\" height=\"1em\" width=\"1em\" viewBox=\"0 0 256 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill=\"currentColor\" d=\"M224.3 273l-136 136c-9.4 9.4-24.6 9.4-33.9 0l-22.6-22.6c-9.4-9.4-9.4-24.6 0-33.9l96.4-96.4-96.4-96.4c-9.4-9.4-9.4-24.6 0-33.9L54.3 103c9.4-9.4 24.6-9.4 33.9 0l136 136c9.5 9.4 9.5 24.6.1 34z\"><\/path><\/svg><\/span><\/a>\n\n<\/div>\n\n<div class=\"gb-container gb-container-d03f5729\">\n\n<h3 class=\"gb-headline gb-headline-e7f0d01c\"><span class=\"gb-icon\"><svg aria-hidden=\"true\" role=\"img\" height=\"1em\" width=\"1em\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill=\"currentColor\" d=\"M400 32H48C21.49 32 0 53.49 0 80v352c0 26.51 21.49 48 48 48h352c26.51 0 48-21.49 48-48V80c0-26.51-21.49-48-48-48zm0 400H48V80h352v352zm-35.864-241.724L191.547 361.48c-4.705 4.667-12.303 4.637-16.97-.068l-90.781-91.516c-4.667-4.705-4.637-12.303.069-16.971l22.719-22.536c4.705-4.667 12.303-4.637 16.97.069l59.792 60.277 141.352-140.216c4.705-4.667 12.303-4.637 16.97.068l22.536 22.718c4.667 4.706 4.637 12.304-.068 16.971z\"><\/path><\/svg><\/span><span class=\"gb-headline-text\"><a href=\"https:\/\/www.feodus-finance.fr\/defiscalisation\/pret-epargne-salariale\/\">Pr\u00eat \u00e9pargne salariale<\/a><\/span><\/h3>\n\n\n\n<p class=\"gb-headline gb-headline-971aafc4 gb-headline-text\">La m\u00e9thode pour emprunter \u00e0 partir de votre \u00e9pargne salariale.<\/p>\n\n\n\n<a class=\"gb-button gb-button-fe8672c4\" href=\"https:\/\/www.feodus-finance.fr\/defiscalisation\/pret-epargne-salariale\/\"><span class=\"gb-button-text\">En savoir plus<\/span><span class=\"gb-icon\"><svg aria-hidden=\"true\" role=\"img\" height=\"1em\" width=\"1em\" viewBox=\"0 0 256 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill=\"currentColor\" d=\"M224.3 273l-136 136c-9.4 9.4-24.6 9.4-33.9 0l-22.6-22.6c-9.4-9.4-9.4-24.6 0-33.9l96.4-96.4-96.4-96.4c-9.4-9.4-9.4-24.6 0-33.9L54.3 103c9.4-9.4 24.6-9.4 33.9 0l136 136c9.5 9.4 9.5 24.6.1 34z\"><\/path><\/svg><\/span><\/a>\n\n<\/div>\n\n<div class=\"gb-container gb-container-2189687a\">\n\n<h3 class=\"gb-headline gb-headline-bce23a6e\"><span class=\"gb-icon\"><svg aria-hidden=\"true\" role=\"img\" height=\"1em\" width=\"1em\" viewBox=\"0 0 640 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill=\"currentColor\" d=\"M497.941 225.941L286.059 14.059A48 48 0 0 0 252.118 0H48C21.49 0 0 21.49 0 48v204.118a48 48 0 0 0 14.059 33.941l211.882 211.882c18.744 18.745 49.136 18.746 67.882 0l204.118-204.118c18.745-18.745 18.745-49.137 0-67.882zM112 160c-26.51 0-48-21.49-48-48s21.49-48 48-48 48 21.49 48 48-21.49 48-48 48zm513.941 133.823L421.823 497.941c-18.745 18.745-49.137 18.745-67.882 0l-.36-.36L527.64 323.522c16.999-16.999 26.36-39.6 26.36-63.64s-9.362-46.641-26.36-63.64L331.397 0h48.721a48 48 0 0 1 33.941 14.059l211.882 211.882c18.745 18.745 18.745 49.137 0 67.882z\"><\/path><\/svg><\/span><span class=\"gb-headline-text\"><a href=\"https:\/\/www.feodus-finance.fr\/defiscalisation\/gestion-epargne-salariale\/\">Gestion de l&#8217;\u00e9pargne salariale<\/a><\/span><\/h3>\n\n\n\n<p class=\"gb-headline gb-headline-aae6e5f1 gb-headline-text\">L&#8217;essentiel de la gestion de votre \u00e9pargne salariale pour une efficacit\u00e9 accrue.<\/p>\n\n\n\n<a class=\"gb-button gb-button-1b85d4a9\" href=\"https:\/\/www.feodus-finance.fr\/defiscalisation\/gestion-epargne-salariale\/\"><span class=\"gb-button-text\">en savoir plus<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 256 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\"><path d=\"M224.3 273l-136 136c-9.4 9.4-24.6 9.4-33.9 0l-22.6-22.6c-9.4-9.4-9.4-24.6 0-33.9l96.4-96.4-96.4-96.4c-9.4-9.4-9.4-24.6 0-33.9L54.3 103c9.4-9.4 24.6-9.4 33.9 0l136 136c9.5 9.4 9.5 24.6.1 34z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/a>\n\n<\/div>\n\n<div class=\"gb-container gb-container-eb39cd0e\">\n\n<h3 class=\"gb-headline gb-headline-db65f156\"><span class=\"gb-icon\"><svg aria-hidden=\"true\" role=\"img\" height=\"1em\" width=\"1em\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill=\"currentColor\" d=\"M464 64H48C21.49 64 0 85.49 0 112v288c0 26.51 21.49 48 48 48h416c26.51 0 48-21.49 48-48V112c0-26.51-21.49-48-48-48zm0 48v40.805c-22.422 18.259-58.168 46.651-134.587 106.49-16.841 13.247-50.201 45.072-73.413 44.701-23.208.375-56.579-31.459-73.413-44.701C106.18 199.465 70.425 171.067 48 152.805V112h416zM48 400V214.398c22.914 18.251 55.409 43.862 104.938 82.646 21.857 17.205 60.134 55.186 103.062 54.955 42.717.231 80.509-37.199 103.053-54.947 49.528-38.783 82.032-64.401 104.947-82.653V400H48z\"><\/path><\/svg><\/span><span class=\"gb-headline-text\"><a href=\"https:\/\/www.feodus-finance.fr\/defiscalisation\/participation-salariale\/\">Participation salariale<\/a><\/span><\/h3>\n\n\n\n<p class=\"gb-headline gb-headline-9564ce8c gb-headline-text\">Les principes et impacts de la participation des salari\u00e9s aux profits de l&#8217;entreprise.<\/p>\n\n\n\n<a class=\"gb-button gb-button-8bd7ea27\" href=\"https:\/\/www.feodus-finance.fr\/defiscalisation\/participation-salariale\/\"><span class=\"gb-button-text\">en savoir plus<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 256 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\"><path d=\"M224.3 273l-136 136c-9.4 9.4-24.6 9.4-33.9 0l-22.6-22.6c-9.4-9.4-9.4-24.6 0-33.9l96.4-96.4-96.4-96.4c-9.4-9.4-9.4-24.6 0-33.9L54.3 103c9.4-9.4 24.6-9.4 33.9 0l136 136c9.5 9.4 9.5 24.6.1 34z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/a>\n\n<\/div>\n\n<div class=\"gb-container gb-container-c07d2308\">\n\n<h3 class=\"gb-headline gb-headline-1eb6c96a\"><span class=\"gb-icon\"><svg aria-hidden=\"true\" role=\"img\" height=\"1em\" width=\"1em\" viewBox=\"0 0 640 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill=\"currentColor\" d=\"M497.941 225.941L286.059 14.059A48 48 0 0 0 252.118 0H48C21.49 0 0 21.49 0 48v204.118a48 48 0 0 0 14.059 33.941l211.882 211.882c18.744 18.745 49.136 18.746 67.882 0l204.118-204.118c18.745-18.745 18.745-49.137 0-67.882zM112 160c-26.51 0-48-21.49-48-48s21.49-48 48-48 48 21.49 48 48-21.49 48-48 48zm513.941 133.823L421.823 497.941c-18.745 18.745-49.137 18.745-67.882 0l-.36-.36L527.64 323.522c16.999-16.999 26.36-39.6 26.36-63.64s-9.362-46.641-26.36-63.64L331.397 0h48.721a48 48 0 0 1 33.941 14.059l211.882 211.882c18.745 18.745 18.745 49.137 0 67.882z\"><\/path><\/svg><\/span><span class=\"gb-headline-text\"><a href=\"https:\/\/www.feodus-finance.fr\/defiscalisation\/plan-epargne-entreprise-pee\/\">Plan d&#8217;\u00e9pargne entreprise<\/a><\/span><\/h3>\n\n\n\n<p class=\"gb-headline gb-headline-bc34b24b gb-headline-text\">Les avantages et le fonctionnement du Plan d&#8217;\u00c9pargne Entreprise.<\/p>\n\n\n\n<a class=\"gb-button gb-button-b4a175e6\" href=\"https:\/\/www.feodus-finance.fr\/defiscalisation\/plan-epargne-entreprise-pee\/\"><span class=\"gb-button-text\">en savoir plus<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 256 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\"><path d=\"M224.3 273l-136 136c-9.4 9.4-24.6 9.4-33.9 0l-22.6-22.6c-9.4-9.4-9.4-24.6 0-33.9l96.4-96.4-96.4-96.4c-9.4-9.4-9.4-24.6 0-33.9L54.3 103c9.4-9.4 24.6-9.4 33.9 0l136 136c9.5 9.4 9.5 24.6.1 34z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/a>\n\n<\/div>\n\n<div class=\"gb-container gb-container-d9ad20fb\">\n\n<h3 class=\"gb-headline gb-headline-6b088469\"><span class=\"gb-icon\"><svg fill=\"#000000\" viewBox=\"0 0 1024 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path d=\"M491.52 618.879v190.075c0 16.968-13.754 30.72-30.72 30.72H71.68c-16.966 0-30.72-13.752-30.72-30.72v-593.91c0-16.968 13.754-30.72 30.72-30.72H460.8c16.966 0 30.72 13.752 30.72 30.72v241.664c0 11.311 9.169 20.48 20.48 20.48s20.48-9.169 20.48-20.48V215.044c0-39.591-32.094-71.68-71.68-71.68H71.68c-39.586 0-71.68 32.089-71.68 71.68v593.91c0 39.591 32.094 71.68 71.68 71.68H460.8c39.586 0 71.68-32.089 71.68-71.68V618.879c0-11.311-9.169-20.48-20.48-20.48s-20.48 9.169-20.48 20.48z\"><\/path><path d=\"M399.36 327.678c5.657 0 10.24-4.583 10.24-10.24v-40.96c0-5.657-4.583-10.24-10.24-10.24H133.12a10.238 10.238 0 00-10.24 10.24v40.96c0 5.657 4.583 10.24 10.24 10.24h266.24zm0 40.96H133.12c-28.278 0-51.2-22.922-51.2-51.2v-40.96c0-28.278 22.922-51.2 51.2-51.2h266.24c28.278 0 51.2 22.922 51.2 51.2v40.96c0 28.278-22.922 51.2-51.2 51.2zm-216.711 98.593c5.468 28.856-19.364 53.688-48.22 48.22-16.026-3.041-29.143-16.159-32.174-32.184-5.478-28.856 19.354-53.688 48.21-48.22 16.036 3.041 29.143 16.159 32.184 32.184zm122.88 0c5.468 28.856-19.364 53.688-48.22 48.22-16.026-3.041-29.143-16.159-32.174-32.184-5.478-28.856 19.354-53.688 48.21-48.22 16.036 3.041 29.143 16.159 32.184 32.184zm-122.88 123.904c5.468 28.856-19.364 53.688-48.22 48.22-16.026-3.041-29.143-16.159-32.174-32.184-5.478-28.856 19.354-53.688 48.21-48.22 16.036 3.041 29.143 16.159 32.184 32.184zm122.88 0c5.468 28.856-19.364 53.688-48.22 48.22-16.026-3.041-29.143-16.159-32.174-32.184-5.478-28.856 19.354-53.688 48.21-48.22 16.036 3.041 29.143 16.159 32.184 32.184zm122.88 0c5.468 28.856-19.364 53.688-48.22 48.22-16.026-3.041-29.143-16.159-32.174-32.184-5.478-28.856 19.354-53.688 48.21-48.22 16.036 3.041 29.143 16.159 32.184 32.184zm-245.76 122.88c5.468 28.856-19.364 53.688-48.22 48.22-16.026-3.041-29.143-16.159-32.174-32.184-5.478-28.856 19.354-53.688 48.21-48.22 16.036 3.041 29.143 16.159 32.184 32.184zm122.88 0c5.468 28.856-19.364 53.688-48.22 48.22-16.026-3.041-29.143-16.159-32.174-32.184-5.478-28.856 19.354-53.688 48.21-48.22 16.036 3.041 29.143 16.159 32.184 32.184zm122.88 0c5.468 28.856-19.364 53.688-48.22 48.22-16.026-3.041-29.143-16.159-32.174-32.184-5.478-28.856 19.354-53.688 48.21-48.22 16.036 3.041 29.143 16.159 32.184 32.184zm179.469-37.034l-199.67-199.67c-9.738-9.738-9.738-25.535 0-35.272l4.808-4.797c9.756-9.762 25.547-9.762 35.284-.02l199.674 199.664c7.998 7.998 20.965 7.997 28.963-.001s7.997-20.965-.001-28.963l-199.67-199.66c-25.73-25.745-67.468-25.745-93.202.005l-4.803 4.793c-25.749 25.749-25.749 67.48-.015 93.214l199.67 199.67c7.998 7.998 20.965 7.998 28.963 0s7.998-20.965 0-28.963z\"><\/path><path d=\"M678.341 609.334l-104.54-104.54c-9.747-9.747-9.747-25.531-.004-35.268l4.832-4.843c9.722-9.722 25.519-9.722 35.257.015l104.551 104.541c7.998 7.998 20.966 7.997 28.963-.001s7.997-20.966-.001-28.963l-104.55-104.54c-25.733-25.733-67.464-25.733-93.198.001l-4.828 4.838c-25.729 25.714-25.729 67.439.015 93.183l104.54 104.54c7.998 7.998 20.965 7.998 28.963 0s7.998-20.965 0-28.963z\"><\/path><path d=\"M766.665 559.551l-104.54-104.54c-9.747-9.747-9.747-25.531-.004-35.268l4.832-4.843c9.722-9.722 25.519-9.722 35.257.015l104.551 104.541c7.998 7.998 20.966 7.997 28.963-.001s7.997-20.966-.001-28.963l-104.55-104.54c-25.733-25.733-67.464-25.733-93.198.001l-4.828 4.838c-25.729 25.714-25.729 67.439.015 93.183l104.54 104.54c7.998 7.998 20.965 7.998 28.963 0s7.998-20.965 0-28.963z\"><\/path><path d=\"M854.775 510.196l-104.54-104.54c-9.747-9.747-9.747-25.531-.004-35.268l4.832-4.843c9.722-9.722 25.519-9.722 35.257.015l104.551 104.541c7.998 7.998 20.966 7.997 28.963-.001s7.997-20.966-.001-28.963l-104.55-104.54c-25.733-25.733-67.464-25.733-93.198.001l-4.828 4.838c-25.729 25.714-25.729 67.439.015 93.183l104.54 104.54c7.998 7.998 20.965 7.998 28.963 0s7.998-20.965 0-28.963zM685.653 754.755l-93-93-28.963 28.963 93 93z\"><\/path><path d=\"M818.516 393.754l119.562 119.562 28.963-28.963-119.562-119.562z\"><\/path><path d=\"M931.165 506.23c32.758 32.579 51.49 76.693 51.49 123.821 0 96.445-78.178 174.623-174.623 174.623-46.962 0-90.924-18.593-123.472-51.141l-28.963 28.963c40.154 40.154 94.499 63.138 152.435 63.138 119.066 0 215.583-96.516 215.583-215.583 0-58.143-23.155-112.673-63.567-152.864l-28.883 29.042z\"><\/path><\/g><\/svg><\/span><span class=\"gb-headline-text\"><a href=\"https:\/\/www.feodus-finance.fr\/defiscalisation\/simulation-deblocage-epargne-salariale\/\">Simulation d\u00e9blocage \u00e9pargne salariale<\/a><\/span><\/h3>\n\n\n\n<p class=\"gb-headline gb-headline-a49c85a4 gb-headline-text\">Les \u00e9tapes pour simuler le d\u00e9blocage de votre \u00e9pargne salariale.<\/p>\n\n\n\n<a class=\"gb-button gb-button-86455e17\" href=\"https:\/\/www.feodus-finance.fr\/defiscalisation\/simulation-deblocage-epargne-salariale\/\"><span class=\"gb-button-text\">en savoir plus<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 256 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\"><path d=\"M224.3 273l-136 136c-9.4 9.4-24.6 9.4-33.9 0l-22.6-22.6c-9.4-9.4-9.4-24.6 0-33.9l96.4-96.4-96.4-96.4c-9.4-9.4-9.4-24.6 0-33.9L54.3 103c9.4-9.4 24.6-9.4 33.9 0l136 136c9.5 9.4 9.5 24.6.1 34z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/a>\n\n<\/div>\n\n<div class=\"gb-container gb-container-d9088d12\">\n\n<h3 class=\"gb-headline gb-headline-c0865bb2\"><span class=\"gb-icon\"><svg aria-hidden=\"true\" role=\"img\" height=\"1em\" width=\"1em\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill=\"currentColor\" d=\"M296 160H180.6l42.6-129.8C227.2 15 215.7 0 200 0H56C44 0 33.8 8.9 32.2 20.8l-32 240C-1.7 275.2 9.5 288 24 288h118.7L96.6 482.5c-3.6 15.2 8 29.5 23.3 29.5 8.4 0 16.4-4.4 20.8-12l176-304c9.3-15.9-2.2-36-20.7-36z\"><\/path><\/svg><\/span><span class=\"gb-headline-text\"><a href=\"https:\/\/www.feodus-finance.fr\/defiscalisation\/cas-de-deblocage-exceptionnel\/\">Cas de d\u00e9blocage exceptionnel<\/a><\/span><\/h3>\n\n\n\n<p class=\"gb-headline gb-headline-4e79456e gb-headline-text\">Les situations ouvrant droit \u00e0 un d\u00e9blocage exceptionnel de l&#8217;\u00e9pargne salariale.<\/p>\n\n\n\n<a class=\"gb-button gb-button-96171c65\" href=\"https:\/\/www.feodus-finance.fr\/defiscalisation\/cas-de-deblocage-exceptionnel\/\"><span class=\"gb-button-text\">en savoir plus<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 256 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\"><path d=\"M224.3 273l-136 136c-9.4 9.4-24.6 9.4-33.9 0l-22.6-22.6c-9.4-9.4-9.4-24.6 0-33.9l96.4-96.4-96.4-96.4c-9.4-9.4-9.4-24.6 0-33.9L54.3 103c9.4-9.4 24.6-9.4 33.9 0l136 136c9.5 9.4 9.5 24.6.1 34z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/a>\n\n<\/div>\n\n<div class=\"gb-container gb-container-6f4c3152\">\n\n<h3 class=\"gb-headline gb-headline-9ba8895f\"><span class=\"gb-icon\"><svg aria-hidden=\"true\" role=\"img\" height=\"1em\" width=\"1em\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill=\"currentColor\" d=\"M448 360V24c0-13.3-10.7-24-24-24H96C43 0 0 43 0 96v320c0 53 43 96 96 96h328c13.3 0 24-10.7 24-24v-16c0-7.5-3.5-14.3-8.9-18.7-4.2-15.4-4.2-59.3 0-74.7 5.4-4.3 8.9-11.1 8.9-18.6zM128 134c0-3.3 2.7-6 6-6h212c3.3 0 6 2.7 6 6v20c0 3.3-2.7 6-6 6H134c-3.3 0-6-2.7-6-6v-20zm0 64c0-3.3 2.7-6 6-6h212c3.3 0 6 2.7 6 6v20c0 3.3-2.7 6-6 6H134c-3.3 0-6-2.7-6-6v-20zm253.4 250H96c-17.7 0-32-14.3-32-32 0-17.6 14.4-32 32-32h285.4c-1.9 17.1-1.9 46.9 0 64z\"><\/path><\/svg><\/span><span class=\"gb-headline-text\"><a href=\"https:\/\/www.feodus-finance.fr\/defiscalisation\/reglementation-epargne-salariale\/\">R\u00e9glementation \u00e9pargne salariale<\/a><\/span><\/h3>\n\n\n\n<p class=\"gb-headline gb-headline-676502a4 gb-headline-text\">La r\u00e9glementation en vigueur concernant l&#8217;\u00e9pargne salariale.<\/p>\n\n\n\n<a class=\"gb-button gb-button-90567afb\" href=\"https:\/\/www.feodus-finance.fr\/defiscalisation\/reglementation-epargne-salariale\/\"><span class=\"gb-button-text\">en savoir plus<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 256 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\"><path d=\"M224.3 273l-136 136c-9.4 9.4-24.6 9.4-33.9 0l-22.6-22.6c-9.4-9.4-9.4-24.6 0-33.9l96.4-96.4-96.4-96.4c-9.4-9.4-9.4-24.6 0-33.9L54.3 103c9.4-9.4 24.6-9.4 33.9 0l136 136c9.5 9.4 9.5 24.6.1 34z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/a>\n\n<\/div>\n\n<div class=\"gb-container gb-container-77fa16b1\">\n\n<h3 class=\"gb-headline gb-headline-897f1b68\"><span class=\"gb-icon\"><svg aria-hidden=\"true\" role=\"img\" height=\"1em\" width=\"1em\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill=\"currentColor\" d=\"M256 56c110.532 0 200 89.451 200 200 0 110.532-89.451 200-200 200-110.532 0-200-89.451-200-200 0-110.532 89.451-200 200-200m0-48C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm0 168c-44.183 0-80 35.817-80 80s35.817 80 80 80 80-35.817 80-80-35.817-80-80-80z\"><\/path><\/svg><\/span><span class=\"gb-headline-text\"><a href=\"https:\/\/www.feodus-finance.fr\/defiscalisation\/interessement-des-salaries\/\">Int\u00e9ressement des salari\u00e9s<\/a><\/span><\/h3>\n\n\n\n<p class=\"gb-headline gb-headline-9a57f62d gb-headline-text\">Les m\u00e9canismes d&#8217;int\u00e9ressement comme source de motivation pour les salari\u00e9s.<\/p>\n\n\n\n<a class=\"gb-button gb-button-4af5640b\" href=\"https:\/\/www.feodus-finance.fr\/defiscalisation\/interessement-des-salaries\/\"><span class=\"gb-button-text\">en savoir plus<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 256 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\"><path d=\"M224.3 273l-136 136c-9.4 9.4-24.6 9.4-33.9 0l-22.6-22.6c-9.4-9.4-9.4-24.6 0-33.9l96.4-96.4-96.4-96.4c-9.4-9.4-9.4-24.6 0-33.9L54.3 103c9.4-9.4 24.6-9.4 33.9 0l136 136c9.5 9.4 9.5 24.6.1 34z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/a>\n\n<\/div>\n\n<div class=\"gb-container gb-container-576043bf\">\n\n<h3 class=\"gb-headline gb-headline-d0287569\"><span class=\"gb-icon\"><svg aria-hidden=\"true\" role=\"img\" height=\"1em\" width=\"1em\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill=\"currentColor\" d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm0 448c-110.5 0-200-89.5-200-200S145.5 56 256 56s200 89.5 200 200-89.5 200-200 200zm61.8-104.4l-84.9-61.7c-3.1-2.3-4.9-5.9-4.9-9.7V116c0-6.6 5.4-12 12-12h32c6.6 0 12 5.4 12 12v141.7l66.8 48.6c5.4 3.9 6.5 11.4 2.6 16.8L334.6 349c-3.9 5.3-11.4 6.5-16.8 2.6z\"><\/path><\/svg><\/span><span class=\"gb-headline-text\"><a href=\"https:\/\/www.feodus-finance.fr\/defiscalisation\/delai-de-deblocage-epargne\/\">D\u00e9lai de d\u00e9blocage \u00e9pargne<\/a><\/span><\/h3>\n\n\n\n<p class=\"gb-headline gb-headline-4c98a9cb gb-headline-text\">Les d\u00e9lais \u00e0 anticiper pour le d\u00e9blocage de l&#8217;\u00e9pargne salariale.<\/p>\n\n\n\n<a class=\"gb-button gb-button-b5abe1d8\" href=\"https:\/\/www.feodus-finance.fr\/defiscalisation\/delai-de-deblocage-epargne\/\"><span class=\"gb-button-text\">en savoir plus<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 256 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\"><path d=\"M224.3 273l-136 136c-9.4 9.4-24.6 9.4-33.9 0l-22.6-22.6c-9.4-9.4-9.4-24.6 0-33.9l96.4-96.4-96.4-96.4c-9.4-9.4-9.4-24.6 0-33.9L54.3 103c9.4-9.4 24.6-9.4 33.9 0l136 136c9.5 9.4 9.5 24.6.1 34z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/a>\n\n<\/div>\n\n<div class=\"gb-container gb-container-5e84d7ed\">\n\n<h3 class=\"gb-headline gb-headline-0b4f52f1\"><span class=\"gb-icon\"><svg aria-hidden=\"true\" role=\"img\" height=\"1em\" width=\"1em\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill=\"currentColor\" d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg><\/span><span class=\"gb-headline-text\"><a href=\"https:\/\/www.feodus-finance.fr\/defiscalisation\/accords-epargne-salariale\/\">Accords d&#8217;\u00e9pargne salariale<\/a><\/span><\/h3>\n\n\n\n<p class=\"gb-headline gb-headline-5053bbc4 gb-headline-text\">Les modalit\u00e9s des accords d&#8217;\u00e9pargne salariale en entreprise.<\/p>\n\n\n\n<a class=\"gb-button gb-button-ddf5fc96\" href=\"https:\/\/www.feodus-finance.fr\/defiscalisation\/accords-epargne-salariale\/\"><span class=\"gb-button-text\">en savoir plus<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 256 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\"><path d=\"M224.3 273l-136 136c-9.4 9.4-24.6 9.4-33.9 0l-22.6-22.6c-9.4-9.4-9.4-24.6 0-33.9l96.4-96.4-96.4-96.4c-9.4-9.4-9.4-24.6 0-33.9L54.3 103c9.4-9.4 24.6-9.4 33.9 0l136 136c9.5 9.4 9.5 24.6.1 34z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/a>\n\n<\/div>\n\n<div class=\"gb-container gb-container-08a9819c\">\n\n<h3 class=\"gb-headline gb-headline-d41b6a8d\"><span class=\"gb-icon\"><svg aria-hidden=\"true\" role=\"img\" height=\"1em\" width=\"1em\" viewBox=\"0 0 384 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill=\"currentColor\" d=\"M97.12 362.63c-8.69-8.69-4.16-6.24-25.12-11.85-9.51-2.55-17.87-7.45-25.43-13.32L1.2 448.7c-4.39 10.77 3.81 22.47 15.43 22.03l52.69-2.01L105.56 507c8 8.44 22.04 5.81 26.43-4.96l52.05-127.62c-10.84 6.04-22.87 9.58-35.31 9.58-19.5 0-37.82-7.59-51.61-21.37zM382.8 448.7l-45.37-111.24c-7.56 5.88-15.92 10.77-25.43 13.32-21.07 5.64-16.45 3.18-25.12 11.85-13.79 13.78-32.12 21.37-51.62 21.37-12.44 0-24.47-3.55-35.31-9.58L252 502.04c4.39 10.77 18.44 13.4 26.43 4.96l36.25-38.28 52.69 2.01c11.62.44 19.82-11.27 15.43-22.03zM263 340c15.28-15.55 17.03-14.21 38.79-20.14 13.89-3.79 24.75-14.84 28.47-28.98 7.48-28.4 5.54-24.97 25.95-45.75 10.17-10.35 14.14-25.44 10.42-39.58-7.47-28.38-7.48-24.42 0-52.83 3.72-14.14-.25-29.23-10.42-39.58-20.41-20.78-18.47-17.36-25.95-45.75-3.72-14.14-14.58-25.19-28.47-28.98-27.88-7.61-24.52-5.62-44.95-26.41-10.17-10.35-25-14.4-38.89-10.61-27.87 7.6-23.98 7.61-51.9 0-13.89-3.79-28.72.25-38.89 10.61-20.41 20.78-17.05 18.8-44.94 26.41-13.89 3.79-24.75 14.84-28.47 28.98-7.47 28.39-5.54 24.97-25.95 45.75-10.17 10.35-14.15 25.44-10.42 39.58 7.47 28.36 7.48 24.4 0 52.82-3.72 14.14.25 29.23 10.42 39.59 20.41 20.78 18.47 17.35 25.95 45.75 3.72 14.14 14.58 25.19 28.47 28.98C104.6 325.96 106.27 325 121 340c13.23 13.47 33.84 15.88 49.74 5.82a39.676 39.676 0 0 1 42.53 0c15.89 10.06 36.5 7.65 49.73-5.82zM97.66 175.96c0-53.03 42.24-96.02 94.34-96.02s94.34 42.99 94.34 96.02-42.24 96.02-94.34 96.02-94.34-42.99-94.34-96.02z\"><\/path><\/svg><\/span><span class=\"gb-headline-text\"><a href=\"https:\/\/www.feodus-finance.fr\/defiscalisation\/garanties-epargne-salariale\/\">Garanties \u00e9pargne salariale<\/a><\/span><\/h3>\n\n\n\n<p class=\"gb-headline gb-headline-57b75bff gb-headline-text\">Les protections et garanties associ\u00e9es \u00e0 l&#8217;\u00e9pargne salariale.<\/p>\n\n\n\n<a class=\"gb-button gb-button-be060ad2\" href=\"https:\/\/www.feodus-finance.fr\/defiscalisation\/garanties-epargne-salariale\/\"><span class=\"gb-button-text\">en savoir plus<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 256 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\"><path d=\"M224.3 273l-136 136c-9.4 9.4-24.6 9.4-33.9 0l-22.6-22.6c-9.4-9.4-9.4-24.6 0-33.9l96.4-96.4-96.4-96.4c-9.4-9.4-9.4-24.6 0-33.9L54.3 103c9.4-9.4 24.6-9.4 33.9 0l136 136c9.5 9.4 9.5 24.6.1 34z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/a>\n\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>D\u00e9blocage de l&#8217;\u00e9pargne salariale Une option \u00e0 envisager pour les salari\u00e9s et leur entreprise Le d\u00e9blocage exceptionnel de l&#8217;\u00e9pargne salariale est une mesure qui permet aux salari\u00e9s de disposer, sous certaines conditions, des sommes attribu\u00e9es au titre de la participation ou d&#8217;un plan d&#8217;\u00e9pargne salariale. Dans un contexte \u00e9conomique difficile, cette solution peut \u00eatre avantageuse &#8230; <a title=\"D\u00e9blocage de l&#8217;\u00e9pargne salariale\" class=\"read-more\" href=\"https:\/\/www.feodus-finance.fr\/defiscalisation\/deblocage-epargne-salariale\/\" aria-label=\"En savoir plus sur D\u00e9blocage de l&#8217;\u00e9pargne salariale\">Lire plus<\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"parent":2111,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-2179","page","type-page","status-publish"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>D\u00e9blocage de l&#039;\u00e9pargne salariale : une option \u00e0 envisager pour les salari\u00e9s et leur entreprise<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.feodus-finance.fr\/defiscalisation\/deblocage-epargne-salariale\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"D\u00e9blocage de l&#039;\u00e9pargne salariale : une option \u00e0 envisager pour les salari\u00e9s et leur entreprise\" \/>\n<meta property=\"og:description\" content=\"D\u00e9blocage de l&#8217;\u00e9pargne salariale Une option \u00e0 envisager pour les salari\u00e9s et leur entreprise Le d\u00e9blocage exceptionnel de l&#8217;\u00e9pargne salariale est une mesure qui permet aux salari\u00e9s de disposer, sous certaines conditions, des sommes attribu\u00e9es au titre de la participation ou d&#8217;un plan d&#8217;\u00e9pargne salariale. 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Dans un contexte \u00e9conomique difficile, cette solution peut \u00eatre avantageuse ... 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