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

In the case of a PEE/PEI , you retain the tax advantage in the event of early withdrawal, namely: you will not pay income tax but only social security contributions on any capital gains made on the amounts withdrawn (rate in force 18.6% in 2026).

However, for a Group Retirement Savings Plan (PER Collectif) or a Mandatory Retirement Savings Plan (PER Obligatoire) , the tax implications will depend on the reason for withdrawal and the type of contribution made. Find out more about the applicable tax rules for early withdrawals .