Do I lose the tax advantage if I release my savings early?

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No, in the case of a PEE/PEI , you retain the tax advantage in the event of early release, namely: you will not pay income tax but only social security contributions on any capital gains made on the sums released (current rate 17.2% in 2022).

On the other hand, for PER Collective / PER Mandatory , it will depend on the reason for release as well as the type of payment made. Find the taxation that applies in the event of early release .