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src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/67d8117111038f80fad5375d_Vector%202.png" alt="soulignage titre perenys" class="image-3821"/><img src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/67d813420773d07380cc8f47_Default.png" alt="guillemet perenys" class="image-3821-copy _1"/><img src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/67d813420773d07380cc8f47_Default.png" alt="guillemet perenys" class="image-3821-copy"/><div class="brix---color-neutral-918"><h1 class="brix---heading-h1-size-9"><span class="text-span-112">L&#x27;épargne halal</span><br/>pour un avenir serein</h1></div><div class="brix---color-neutral-918"><p class="brix---paragraph-default-23"><em class="italic-text-17">Des solutions d’épargne et de défiscalisation halal pour tous vos projets de vie  <br/>acquisition immobilière • voiture • retraite • avenir des enfants</em></p></div><div class="brix---buttons-row-2"><div class="brix---button-row-left-5"><a href="https://www.perenys.fr/simulateurs/simulateurs-perenys" class="brix---btn-primary-8 _2 w-button">Je simule mon projet</a><a href="https://crm.zoho.eu/bookings/D%C3%A9couvertesolutionsperenys?rid=5c1c91d6a2df293867dc39a10b20d9dba57b95fd96cd59f4707c3b8c14157b9fgiddde1c3c81939bc22c2edc32e6cba09fbae80ed3e42072367474f489a59357bb0" target="_blank" class="brix---btn-primary-8 w-button">Je prends rendez vous</a></div></div><div class="div-block-194"><img src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/67f3c6f03fc51e8a990d98b3_Group%2039.png" alt="Note google perenys 4,9/5" class="image-3845"/><img src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/67f4f320c54c7b692cae693d_certifie%20sans%20riba%20icone.png" alt="certifie sans riba icone perenys" sizes="(max-width: 971px) 100vw, 971px" srcset="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/67f4f320c54c7b692cae693d_certifie%20sans%20riba%20icone-p-500.png 500w, https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/67f4f320c54c7b692cae693d_certifie%20sans%20riba%20icone-p-800.png 800w, https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/67f4f320c54c7b692cae693d_certifie%20sans%20riba%20icone.png 971w" class="image-3845"/></div></div></div><div class="carroussel-section"><div class="texte-1"><h2 class="heading-61">L&#x27;ÉPARGNE SANS RIBA<br/><span class="text-span-115"> C&#x27;EST QUOI ?</span></h2></div><div class="swiper"><div class="swiper-wrapper"><div class="swiper-slide"><img src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/67f654ab73882629da141c1c_solution%20fiable.png" alt="solution fiable perenys sans riba" class="slide-image _1"/><h3 class="heading-62">Des solutions fiables</h3><p class="paragraph-20">Des contrats adaptés pour répondre aux exigences de la finance islamique</p></div><div class="swiper-slide"><img src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/67f6540ee0ec1bc2b6cc8168_investissement%20rentable.png" alt="investissement rentable  perenys sans riba" class="slide-image _2"/><h3 class="heading-62 _2">Un investissement rentable</h3><p class="paragraph-20 _2">Un placement halal judicieux via des fonds d’investissement rentables et sans riba</p></div><div class="swiper-slide"><img src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/67f6554e015666fbb55895a5_shariah%20board%20perenys.png" alt=" shariah board perenys sans riba" class="slide-image _3"/><h3 class="heading-62 _3">Un sharia board indépendant</h3><p class="paragraph-20 _0">Un comité de conformité composé de savants experts pour garantir l’éthique des solutions</p></div></div></div><div class="btn-section-2"><img src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/67eeba75a79cf0a6b2212f21_Group%205%20(1).png" alt="Guillemet perenys" class="image-3838 _9"/><img src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/67eeba75a79cf0a6b2212f21_Group%205%20(1).png" alt="Guillemet perenys" class="image-3838"/><a href="https://crm.zoho.eu/bookings/D%C3%A9couvertesolutionsperenys?rid=5c1c91d6a2df293867dc39a10b20d9dba57b95fd96cd59f4707c3b8c14157b9fgiddde1c3c81939bc22c2edc32e6cba09fbae80ed3e42072367474f489a59357bb0" target="_blank" class="button-195 _1 home w-button">Je prends rENDEZ-VOUS</a></div></div><div class="number-section-home"><img src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/67ed68110123270a06c4af5e_plant_growing_hand_drawn_scribble%201.png" alt="arbre qui pousse perenys" class="image-3823 _2"/><img src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/67ed6811a06e77b57e4de96e_grow%20arrow%20draw%201.png" alt="Flèche augmentation perenys" class="image-3823 _2-copy"/><h2 class="heading-71">Perenys en <span class="text-span-116">2025</span> c’est :</h2><div data-w-id="11921941-d12f-9c8c-15db-73081ea876a6" 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-4-columns-2"><div id="w-node-_11921941-d12f-9c8c-15db-73081ea876a7-6bfda01b" class="brix---text-center-18"><div class="brix---mg-bottom-16px-15"><div class="brix---color-neutral-919"><div class="brix---display-12">+<span fs-numbercount-duration="3000" fs-numbercount-element="number" fs-numbercount-start="0" fs-numbercount-threshold="0">2500</span></div></div></div><div class="brix---color-neutral-920"><p class="brix---paragraph-default-24">Clients</p></div></div><div id="w-node-_11921941-d12f-9c8c-15db-73081ea876b1-6bfda01b" class="brix---text-center-18"><div class="brix---mg-bottom-16px-15"><div class="brix---color-neutral-919"><div class="brix---display-12">+<span fs-numbercount-duration="3000" fs-numbercount-element="number" fs-numbercount-start="0" fs-numbercount-threshold="0">60</span></div></div></div><div class="brix---color-neutral-920"><p class="brix---paragraph-default-24">Conseillers distributeurs</p></div></div><div id="w-node-_11921941-d12f-9c8c-15db-73081ea876bb-6bfda01b" class="brix---text-center-18"><div class="brix---mg-bottom-16px-15"><div class="brix---color-neutral-919"><div class="brix---display-12">+<span fs-numbercount-duration="3000" fs-numbercount-element="number" fs-numbercount-start="0" fs-numbercount-threshold="0">30</span>M</div></div></div><div class="brix---color-neutral-920"><p class="brix---paragraph-default-24">Millions d’euros <br/>confiés</p></div></div><div id="w-node-_11921941-d12f-9c8c-15db-73081ea876c5-6bfda01b" class="brix---text-center-18"><div class="brix---mg-bottom-16px-15"><div class="brix---color-neutral-919"><div class="brix---display-12">+<span fs-numbercount-duration="3000" fs-numbercount-element="number" fs-numbercount-start="0" fs-numbercount-threshold="0">3</span>M</div></div></div><div class="brix---color-neutral-920"><p class="brix---paragraph-default-24">Millions d’euros<br/>d’économies d’impôts</p></div></div></div></div><div class="tabs_component"><h2 class="heading-73">Concrétisez <span class="text-span-123">ENFIN</span> vos projets </h2><div class="grid-item all-in-bottom"><div data-current="Tab 1" data-easing="ease" data-duration-in="300" data-duration-out="100" class="solution-tab w-tabs"><div class="sol-tabs_menu w-tab-menu"><a data-w-tab="Tab 1" class="sol-tab-link animate-line w-inline-block w-tab-link w--current"><div class="sol_tab-text">1. Préparer mon achat immobilier</div></a><a data-w-tab="Tab 4" class="sol-tab-link animate-line w-inline-block w-tab-link"><div class="sol_tab-text">2. Payer moins d’impôts</div></a><a data-w-tab="Tab 3" class="sol-tab-link animate-line w-inline-block w-tab-link"><div class="sol_tab-text">3. Préparer l’avenir de mes enfants</div></a><a data-w-tab="Tab 5" class="sol-tab-link animate-line w-inline-block w-tab-link"><div class="sol_tab-text">4. Protéger mes économies</div></a><a data-w-tab="Tab 2" class="sol-tab-link animate-line w-inline-block w-tab-link"><div class="sol_tab-text">5. Anticiper ma retraite</div></a></div><div class="sol-tabs_content w-tab-content"><div data-w-tab="Tab 1" class="sol-tab_pane w-tab-pane w--tab-active"><div class="div-block-187"><img sizes="(max-width: 1080px) 100vw, 1080px" srcset="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/67ed8a2fbe189718ad48d6eb_3-p-500.png 500w, https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/67ed8a2fbe189718ad48d6eb_3-p-800.png 800w, https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/67ed8a2fbe189718ad48d6eb_3.png 1080w" alt="preparer son achat immobilier perenys" src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/67ed8a2fbe189718ad48d6eb_3.png" class="image-3824"/><a href="https://crm.zoho.eu/bookings/D%C3%A9couvertesolutionsperenys?rid=5c1c91d6a2df293867dc39a10b20d9dba57b95fd96cd59f4707c3b8c14157b9fgiddde1c3c81939bc22c2edc32e6cba09fbae80ed3e42072367474f489a59357bb0" target="_blank" class="button-191 w-button">Je prends Rendez-Vous</a></div></div><div data-w-tab="Tab 4" class="sol-tab_pane w-tab-pane"><div class="tabs-cta graphs-cta"><img sizes="100vw" srcset="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/67f674a774f87b8dbeab35bf_image%20site%20web-p-500.png 500w, https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/67f674a774f87b8dbeab35bf_image%20site%20web-p-800.png 800w, https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/67f674a774f87b8dbeab35bf_image%20site%20web.png 1080w" alt="image site web" src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/67f674a774f87b8dbeab35bf_image%20site%20web.png" class="image-3827"/><a href="https://crm.zoho.eu/bookings/D%C3%A9couvertesolutionsperenys?rid=5c1c91d6a2df293867dc39a10b20d9dba57b95fd96cd59f4707c3b8c14157b9fgiddde1c3c81939bc22c2edc32e6cba09fbae80ed3e42072367474f489a59357bb0" target="_blank" class="button-191 w-button">Je prends Rendez-Vous</a></div></div><div data-w-tab="Tab 3" class="sol-tab_pane w-tab-pane"><div class="tabs-cta graphs-cta"><img sizes="100vw" srcset="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/67ed9dfa4a354fcdbf708b70_2-p-500.png 500w, https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/67ed9dfa4a354fcdbf708b70_2-p-800.png 800w, https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/67ed9dfa4a354fcdbf708b70_2.png 1080w" alt="Préparer l&#x27;avenir de vos enfants perenys" src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/67ed9dfa4a354fcdbf708b70_2.png" class="image-3826"/><a href="https://crm.zoho.eu/bookings/D%C3%A9couvertesolutionsperenys?rid=5c1c91d6a2df293867dc39a10b20d9dba57b95fd96cd59f4707c3b8c14157b9fgiddde1c3c81939bc22c2edc32e6cba09fbae80ed3e42072367474f489a59357bb0" target="_blank" class="button-191 w-button">Je prends Rendez-vous</a></div></div><div data-w-tab="Tab 5" class="sol-tab_pane w-tab-pane"><div class="tabs-cta graphs-cta"><img width="378" sizes="100vw" alt="Autre projet perenys" src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/67ed93b322e0c9f9ecc0cff9_4.png" srcset="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/67ed93b322e0c9f9ecc0cff9_4-p-500.png 500w, https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/67ed93b322e0c9f9ecc0cff9_4-p-800.png 800w, https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/67ed93b322e0c9f9ecc0cff9_4.png 1080w" class="image-3828"/><a href="https://crm.zoho.eu/bookings/D%C3%A9couvertesolutionsperenys?rid=5c1c91d6a2df293867dc39a10b20d9dba57b95fd96cd59f4707c3b8c14157b9fgiddde1c3c81939bc22c2edc32e6cba09fbae80ed3e42072367474f489a59357bb0" target="_blank" class="button-191 w-button">Je prends rendez-vous</a></div></div><div data-w-tab="Tab 2" class="sol-tab_pane w-tab-pane"><div class="tabs-cta video-cta"><img sizes="100vw" srcset="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/67ed7a422ce78c992dbc01d6_Design%20sans%20titre%20(6)-p-500.png 500w, https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/67ed7a422ce78c992dbc01d6_Design%20sans%20titre%20(6)-p-800.png 800w, https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/67ed7a422ce78c992dbc01d6_Design%20sans%20titre%20(6).png 1080w" alt="Préparer sa retraite perenys" src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/67ed7a422ce78c992dbc01d6_Design%20sans%20titre%20(6).png" class="image-3824"/><a href="https://crm.zoho.eu/bookings/D%C3%A9couvertesolutionsperenys?rid=5c1c91d6a2df293867dc39a10b20d9dba57b95fd96cd59f4707c3b8c14157b9fgiddde1c3c81939bc22c2edc32e6cba09fbae80ed3e42072367474f489a59357bb0" target="_blank" class="button-191 w-button">Je prends rendez-Vous</a></div></div></div></div></div></div><div><h3 class="heading-77"><span class="text-span-124"><strong class="bold-text-71">« Chez Perenys, nous ne proposons pas seulement des solutions d’épargne. Nous ouvrons une voie d’investissement alignée avec nos valeurs, accessible à tous ceux qui veulent reprendre le contrôle de leur argent, en conscience. »<br/></strong></span><strong class="bold-text-70">— Redouane ZAD, Directeur Général de Perenys</strong></h3><div class="carousel_container"><div class="logo_conatiner"><img src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/673b14299185f32de3da9664_Logo_CXC%201.png" alt="logo conexcap" class="logo-image"/><img src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/673b147177ed49bbe4a842b7_E01_CMA_Logo_Suravenir_ED_QUADRI-scaled%201.png" alt="logo suravenir" class="logo-image"/><img src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/673b14713f5a4b2376717277_vie-plus%201.png" alt="vie plus logo" class="logo-image"/><img src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/673b147223b3b58bfbf602bd_HSBC-Logo%201.png" alt="HSBC-Logo 1" width="85" class="logo-image"/><img src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/673b14711deed88e2fc43c7d_Logo_Ben_Head%201.png" alt="logo franklin templeton investments" class="logo-image"/><img src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/67f7bb01a7893c222a3b6e7a_Comgest.png" alt="Comgest logo" sizes="(max-width: 1000px) 100vw, 1000px" srcset="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/67f7bb01a7893c222a3b6e7a_Comgest-p-500.png 500w, https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/67f7bb01a7893c222a3b6e7a_Comgest-p-800.png 800w, https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/67f7bb01a7893c222a3b6e7a_Comgest.png 1000w" class="logo-image _1"/></div></div></div><div class="perf-wrapper-org"><div class="perfomances_section"><h2 class="heading-74">Nos <span class="text-span-122">Performances</span></h2><div class="performancewrapper"><div class="perf1"><img src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/67ee6c1a364af961f69dca3e_Shield.png" alt="bouclier profil prudent perenys" class="image-3830"/><div class="text-block-147">+11,77%*</div><div class="text-block-148">Profil Prudent</div><div class="text-block-149">Cette allocation est adaptée pour un profil investisseur &quot;prudent&quot;, c&#x27;est le niveau de risque le plus bas pour un rendement faible.</div></div><div class="perf1"><img src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/67ee6c1a774af6c2d56c0e22_Balance.png" alt="Balance profil équilibre perenys" class="image-3830"/><div class="text-block-147">+15,38%*</div><div class="text-block-148">Profil Équilibre</div><div class="text-block-149">C&#x27;est l&#x27;allocation du juste milieu. Elle est adaptée pour les personnes qui souhaitent un niveau de risque modéré pour un rendement moyen.</div></div><div class="perf1"><img src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/67ee6c1a6f4b16d1ee0d9236_Group%2038%20(1).png" alt="profil dynamique icone perenys" class="image-3830"/><div class="text-block-147">+18,99%*</div><div class="text-block-148">Profil Dynamique</div><div class="text-block-149">C&#x27;est l&#x27;allocation des investisseurs expérimentés ou qui souhaitent viser un rendement élevé avec un risque plus important.</div></div></div><div class="text-block-150">*Les performances présentées correspondent à un investissement entre le 1er janvier 2024 et le 31 décembre 2024 sur les portefeuilles d’allocation conseillés par Perenys sur le contrat Epargne Vie. L’assurance-vie en unité de compte est un produit pour lequel il existe un risque de perte en capital. Les performances passées ne préjugent pas des performances futures et ne doivent pas être perçues comme des recommandations d&#x27;investissement. Investir comporte des risques, notamment de perte en capital.</div><div class="btn-section"><a href="https://www.perenys.fr/nos-performances" class="button-196 w-button">Voir le détail de nos perfomances</a></div></div></div><div class="section-ils-parlent-de-nous"><h3 class="heading-75">Ils parlent de nous</h3><img src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/67ee8d2145d97336252bc376_Vector%208.svg" alt="soulignage perenys 2" class="image-3831"/><div class="div-block-189"><div data-w-id="f3c1e144-78a1-678d-94c0-0fc9fb22a014" 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---3-columns-1-col-tablet-2"><div id="w-node-f3c1e144-78a1-678d-94c0-0fc9fb22a015-6bfda01b" class="brix---card-7"><div class="brix---pricing-content-v5"><div class="brix---text-center-19"><img src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/67ee8dfd2178ca84a0c03f0f_cropped-logo-imane-magazine-2024-150x46.png" alt="logo imane magazine" class="brix---mg-bottom-24px-11"/><div class="brix---mg-bottom-32px-7"><div class="brix---color-neutral-922"><p class="brix---paragraph-default-25">&quot;Perenys : la solution d’épargne accessible et halal (sans riba) !&quot;</p></div></div><a href="https://www.imanemagazine.com/perenys-la-solution-depargne-accessible-et-halal-sans-riba/" target="_blank" class="brix---btn-primary-full-width-2 w-button">Consulter l&#x27;article</a></div></div></div><div class="brix---card-7"><div class="brix---pricing-content-v5"><div class="brix---text-center-19"><img src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/67ee94b59bde75cef8ed6425_icone-couleur-e1681174686295%201.png" alt="logo go muslim" class="brix---mg-bottom-24px-11"/><div class="brix---mg-bottom-32px-7"><div class="brix---color-neutral-922"><p class="brix---paragraph-default-25">Podcast: &quot;Solution d&#x27;épargne Halal pour les Dirigeants&quot;</p></div></div><a href="https://gomuslim.fr/annuaire/perenys/" target="_blank" class="brix---btn-primary-full-width-2 w-button">Consulter l&#x27;article</a></div></div></div><div class="brix---card-7"><div class="brix---pricing-content-v5"><div class="brix---text-center-19"><img src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/67ee94c44426bba090b93fce_IFN-R_520x85%201.png" alt="logo ifn islamic finance" class="brix---mg-bottom-24px-11"/><div class="brix---mg-bottom-32px-7"><div class="brix---color-neutral-922"><p class="brix---paragraph-default-25">&quot;Une start-up fintech française prévoit davantage de produits halal&quot;</p></div></div><a href="https://www.islamicfinancenews.com/french-fintech-start-up-plans-more-halal-products.html" target="_blank" class="brix---btn-primary-full-width-2 w-button">Consulter l&#x27;article</a></div></div></div></div></div></div><div class="div-block-185"><img src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/67ee9dea2833fd94dfddcadb_image%201.png" alt="petit bonhomme perenys" class="image-3833"/></div><div class="testimonial-section"><h3 class="brix---heading-h2-size-24">Des <span class="text-span-118">milliers de personnes</span>, comme vous, nous ont confié leur épargne.</h3><div class="div-block-188"><a href="https://www.google.com/search?sa=X&amp;sca_esv=a8ceca4dfe58fbed&amp;rlz=1C5CHFA_enFR1127FR1127&amp;hl=fr-FR&amp;biw=1440&amp;bih=730&amp;tbm=lcl&amp;q=Perenys+Avis&amp;rflfq=1&amp;num=20&amp;stick=H4sIAAAAAAAAAONgkxIxNDGwAEJTA3NjMwszIwMLSxOLDYyMrxh5AlKLUvMqixUcyzKLF7GicAHaZ1pDOQAAAA&amp;rldimm=14080805073686208948&amp;ved=2ahUKEwjsruCLq7yMAxU0KvsDHfC7KR8Q9fQKegQIQRAF#lkt=LocalPoiReviews" target="_blank" class="button-198 w-button">Avis Google</a><a href="https://fr.trustpilot.com/review/perenys.com" target="_blank" class="button-198 _2 w-button">Avis Trustpilot</a></div><div class="brix---container-default-33 w-container"><div data-delay="4000" data-animation="slide" class="brix---slider-wrapper-4 w-slider" data-autoplay="false" data-easing="ease" style="opacity:0" data-hide-arrows="false" data-disable-swipe="false" data-w-id="a4462360-6d68-7531-eef6-a85720fb5c0d" data-autoplay-limit="0" data-nav-spacing="3" data-duration="500" data-infinite="true"><div class="brix---slider-mask-width-490px w-slider-mask"><div class="brix---slide-item-mg-3 w-slide"><a href="#" class="brix---card-testimonial-color-1 w-inline-block"><h3 class="brix---heading-h3-size-8">Mael T.</h3><div class="brix---mg-bottom-32px-7"><p class="brix---paragraph-default-26">Salam Alaikum. Nous avons souscrit un PER avec Perenys il y a plus d un an. Al hamdulilah très satisfait de trouver une épargne éthique et conforme à nos valeurs.</p></div></a></div><div class="brix---slide-item-mg-3 w-slide"><a href="#" class="brix---card-testimonial-color-2 w-inline-block"><h3 class="brix---heading-h3-size-8">Mimoune A.</h3><div class="brix---mg-bottom-32px-7"><p class="brix---paragraph-default-26">Perenys propose des produits éthiques qui permettent la défiscalisation en phase avec nos convictions. Nous avons eu de bon conseils de la part de l&#x27;équipe qui est très professionnelle et à l&#x27;écoute.</p></div></a></div><div class="brix---slide-item-mg-3 w-slide"><a href="#" class="brix---card-testimonial-color-3 w-inline-block"><h3 class="brix---heading-h3-size-8">Nabil B.<br/></h3><div class="brix---mg-bottom-32px-7"><p class="brix---paragraph-default-26">Enfin une offre éthique pour épargner sans avoir peur que votre banque ferme et ne parte avec votre argent<br/></p></div></a></div><div class="brix---slide-item-mg-3 w-slide"><a href="#" class="brix---card-testimonial-color-1 w-inline-block"><h3 class="brix---heading-h3-size-8">Fouad S.<br/></h3><div class="brix---mg-bottom-32px-7"><p class="brix---paragraph-default-26">J’ai souscrit au PER en 2021, et j’en suis ravi .Projet en adéquation avec mes valeurs éthiques. Un grand merci à l’équipe dynamique et ambitieuse en particulier Monsieur Naceri et Boutaleb.Je recommande vivement.</p></div><div class="brix---link-wrapper-white"><div>Visit website</div><img src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/67ee95841410889c0526c785_441a999006a4788dd080b7651c8c5be7_icon-rounded-arrow-elements-brix-templates.svg" alt="Icon Rounded Arrow White - BRIX Templates" class="brix---link-icon-right-3"/></div></a></div><div class="brix---slide-item-mg-3 w-slide"><a href="#" class="brix---card-testimonial-color-2 w-inline-block"><h3 class="brix---heading-h3-size-8">Fousseynou N.<br/></h3><div class="brix---mg-bottom-32px-7"><p class="brix---paragraph-default-26">Je cherchais une façon d&#x27;épargner et de faire fructufier mon épargne par un organisme respectant mon éthique et mes convictions. PERENYS a répondu à toutes mes questions et inquiètudes. Equipe compétente et à l&#x27;écoute.Je recommande.</p></div><div class="brix---link-wrapper-white"><div>Visit website</div><img src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/67ee95841410889c0526c785_441a999006a4788dd080b7651c8c5be7_icon-rounded-arrow-elements-brix-templates.svg" alt="Icon Rounded Arrow White - BRIX Templates" class="brix---link-icon-right-3"/></div></a></div><div class="brix---slide-item-mg-3 w-slide"><a href="#" class="brix---card-testimonial-color-3 w-inline-block"><h3 class="brix---heading-h3-size-8">Seb G.<br/></h3><div class="brix---mg-bottom-32px-7"><p class="brix---paragraph-default-26">Superbes équipes de confiance, j’ai ouvert mon épargne vie éthique, de très bon conseils, je recommande<br/></p></div><div class="brix---link-wrapper-white"><div>Visit website</div><img src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/67ee95841410889c0526c785_441a999006a4788dd080b7651c8c5be7_icon-rounded-arrow-elements-brix-templates.svg" alt="Icon Rounded Arrow White - BRIX Templates" class="brix---link-icon-right-3"/></div></a></div><div class="brix---slide-item-mg-3 w-slide"><a href="#" class="brix---card-testimonial-color-1 w-inline-block"><h3 class="brix---heading-h3-size-8">Souad E.<br/></h3><div class="brix---mg-bottom-32px-7"><p class="brix---paragraph-default-26">Enfin un plan épargne ethique et halal ! Merci à l&#x27;équipe qui a toujours fait preuve de professionnalisme et à l&#x27;écoute de nos besoins. Un plan d&#x27;épargne sur mesure pour moi et ma famille Bravo pour cette initiative noble et courageuse</p></div><div class="brix---link-wrapper-white"><div>Visit website</div><img src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/67ee95841410889c0526c785_441a999006a4788dd080b7651c8c5be7_icon-rounded-arrow-elements-brix-templates.svg" alt="Icon Rounded Arrow White - BRIX Templates" class="brix---link-icon-right-3"/></div></a></div><div class="brix---slide-item-mg-3 w-slide"><a href="#" class="brix---card-testimonial-color-2 w-inline-block"><h3 class="brix---heading-h3-size-8">Imane H<br/></h3><div class="brix---mg-bottom-32px-7"><p class="brix---paragraph-default-26">Perenys propose des produits éthiques qui permettent la défiscalisation en phase avec nos convictions. J&#x27;ai eu de très bons conseils de la part de l&#x27;équipe. J&#x27;ai ouvert un compte d&#x27;épargne pour mes enfants il y&#x27;a un an maintenant. Je recommande très vivement.</p></div><div class="brix---link-wrapper-white"><div>Visit website</div><img src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/67ee95841410889c0526c785_441a999006a4788dd080b7651c8c5be7_icon-rounded-arrow-elements-brix-templates.svg" alt="Icon Rounded Arrow White - BRIX Templates" class="brix---link-icon-right-3"/></div></a></div><div class="brix---slide-item-mg-3 w-slide"><a href="#" class="brix---card-testimonial-color-3 w-inline-block"><h3 class="brix---heading-h3-size-8">Amine K.<br/></h3><div class="brix---mg-bottom-32px-7"><p class="brix---paragraph-default-26">Une offre d&#x27;épargne en or avec des employés sérieux. J&#x27;espère que d&#x27;autres personnes vont suivre leur trace et proposer encore plus d&#x27;offres éthiques</p></div><div class="brix---link-wrapper-white"><div>Visit website</div><img src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/67ee95841410889c0526c785_441a999006a4788dd080b7651c8c5be7_icon-rounded-arrow-elements-brix-templates.svg" alt="Icon Rounded Arrow White - BRIX Templates" class="brix---link-icon-right-3"/></div></a></div></div><div class="brix---btn-slider-arrow-right---top-left-2 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" class="image-3832"/></div><div class="brix---btn-slider-arrow-right---top-right-2 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" class="image-3837"/></div><div class="brix---hidden-desktop-4 w-slider-nav w-round"></div></div></div></div><div><h2 class="heading-76">FAQ</h2><div class="faq-section"><div class="image-faq"><img src="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/67eea8c6761e2d6eda4e7b14_2.png" alt="image homme avec son fils FAQ" sizes="(max-width: 1080px) 100vw, 1080px" srcset="https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/67eea8c6761e2d6eda4e7b14_2-p-500.png 500w, https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/67eea8c6761e2d6eda4e7b14_2-p-800.png 800w, https://cdn.prod.website-files.com/641b1b2c883a00755ea3b3c9/67eea8c6761e2d6eda4e7b14_2.png 1080w" class="image-3835"/></div><div class="faq-question"><div data-w-id="edb8d8e2-b116-24e7-7904-f5f86dc1fd12" 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-900px-center-2"><div class="w-layout-grid brix---grid-1-column-gap-row-24px-9"><div id="w-node-edb8d8e2-b116-24e7-7904-f5f86dc1fd14-6bfda01b" data-w-id="edb8d8e2-b116-24e7-7904-f5f86dc1fd14" class="brix---accordion-item-wrapper-v7-2"><div class="brix---accordion-content-wrapper-width-660px-3"><div class="brix---accordion-header-9"><div class="brix---color-neutral-924"><h3 class="brix---accordion-title-10">Mon argent est-il en sécurité ?</h3></div></div><div style="height:0px;-webkit-transform:translate3d(null, 20px, 0) scale3d(0.96, 0.96, 1) rotateX(0) rotateY(0) rotateZ(0) skew(0, 0);-moz-transform:translate3d(null, 20px, 0) scale3d(0.96, 0.96, 1) rotateX(0) rotateY(0) rotateZ(0) skew(0, 0);-ms-transform:translate3d(null, 20px, 0) scale3d(0.96, 0.96, 1) rotateX(0) rotateY(0) rotateZ(0) skew(0, 0);transform:translate3d(null, 20px, 0) scale3d(0.96, 0.96, 1) rotateX(0) rotateY(0) rotateZ(0) skew(0, 0);opacity:0" class="brix---acordion-body-9"><div class="brix---accordion-spacer-9"></div><div class="brix---color-neutral-925"><div class="brix---paragraph-default-27"><p class="brix---mg-bottom-10">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&#x27;euros d&#x27;encours</strong>, couvert par le Fonds de Garantie des Assurances de Personnes (FGAP).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-9"><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-7"/></div></div><div data-w-id="edb8d8e2-b116-24e7-7904-f5f86dc1fd25" class="brix---accordion-item-wrapper-v7-2"><div class="brix---accordion-content-wrapper-width-660px-3"><div class="brix---accordion-header-9"><div class="brix---color-neutral-924"><h3 class="brix---accordion-title-10">Où va l’argent que j’investis sur les contrats Perenys ? Est-il bloqué ?</h3></div></div><div style="height:0px;-webkit-transform:translate3d(null, 20px, 0) scale3d(0.96, 0.96, 1) rotateX(0) rotateY(0) rotateZ(0) skew(0, 0);-moz-transform:translate3d(null, 20px, 0) scale3d(0.96, 0.96, 1) rotateX(0) rotateY(0) rotateZ(0) skew(0, 0);-ms-transform:translate3d(null, 20px, 0) scale3d(0.96, 0.96, 1) rotateX(0) rotateY(0) rotateZ(0) skew(0, 0);transform:translate3d(null, 20px, 0) scale3d(0.96, 0.96, 1) rotateX(0) rotateY(0) rotateZ(0) skew(0, 0);opacity:0" class="brix---acordion-body-9"><div class="brix---accordion-spacer-9"></div><div class="brix---color-neutral-925"><div class="brix---paragraph-default-27"><p class="brix---mg-bottom-10">Dans un contrat d&#x27;assurance-vie, il y a généralement trois acteurs : un courtier, un conseiller et un assureur. <strong>Perenys</strong> remplit le rôle de courtier et de conseiller, <strong>Suravenir</strong> est l&#x27;assureur. Lorsque vous souscrivez un contrat d&#x27;épargne vie Perenys, le contrat vous est vendu par Perenys, les propositions d&#x27;investissement pour votre argent le sont aussi mais votre argent est détenu chez Suravenir, à votre nom.<strong> L&#x27;argent investi n&#x27;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-9"><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-7"/></div></div><div data-w-id="edb8d8e2-b116-24e7-7904-f5f86dc1fd3c" class="brix---accordion-item-wrapper-v7-2"><div class="brix---accordion-content-wrapper-width-660px-3"><div class="brix---accordion-header-9"><div class="brix---color-neutral-924"><h3 class="brix---accordion-title-10">Sur quels supports d’investissement mon argent est-il investi par Perenys ?</h3></div></div><div style="height:0px;-webkit-transform:translate3d(null, 20px, 0) scale3d(0.96, 0.96, 1) rotateX(0) rotateY(0) rotateZ(0) skew(0, 0);-moz-transform:translate3d(null, 20px, 0) scale3d(0.96, 0.96, 1) rotateX(0) rotateY(0) rotateZ(0) skew(0, 0);-ms-transform:translate3d(null, 20px, 0) scale3d(0.96, 0.96, 1) rotateX(0) rotateY(0) rotateZ(0) skew(0, 0);transform:translate3d(null, 20px, 0) scale3d(0.96, 0.96, 1) rotateX(0) rotateY(0) rotateZ(0) skew(0, 0);opacity:0" class="brix---acordion-body-9"><div class="brix---accordion-spacer-9"></div><div class="brix---color-neutral-925"><div class="brix---paragraph-default-27"><p class="brix---mg-bottom-10"><strong>Perenys</strong> investit l&#x27;épargne de ses clients sur un mix de fonds OPCVM (appelés unité de compte UC). <strong>Perenys</strong> n&#x27;investit pas dans les fonds euros composés essentiellement par des produits de dette. Les fonds sélectionnés par <strong>Perenys</strong> sont des paniers de centaines <strong>d&#x27;actions et de Sukuk</strong> ayant comme objectif de surperformer les marchés. Ces actifs sont choisis sur la base de critères financier (performance et risque) et extra-financier (éthiques). 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-9"><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-7"/></div></div><div data-w-id="edb8d8e2-b116-24e7-7904-f5f86dc1fd55" class="brix---accordion-item-wrapper-v7-2"><div class="brix---accordion-content-wrapper-width-660px-3"><div class="brix---accordion-header-9"><div class="brix---color-neutral-924"><h3 class="brix---accordion-title-10">Comment le rendement est généré sans intérêts ?</h3></div></div><div style="height:0px;-webkit-transform:translate3d(null, 20px, 0) scale3d(0.96, 0.96, 1) rotateX(0) rotateY(0) rotateZ(0) skew(0, 0);-moz-transform:translate3d(null, 20px, 0) scale3d(0.96, 0.96, 1) rotateX(0) rotateY(0) rotateZ(0) skew(0, 0);-ms-transform:translate3d(null, 20px, 0) scale3d(0.96, 0.96, 1) rotateX(0) rotateY(0) rotateZ(0) skew(0, 0);transform:translate3d(null, 20px, 0) scale3d(0.96, 0.96, 1) rotateX(0) rotateY(0) rotateZ(0) skew(0, 0);opacity:0" class="brix---acordion-body-9"><div class="brix---accordion-spacer-9"></div><div class="brix---color-neutral-925"><div class="brix---paragraph-default-27"><p class="brix---mg-bottom-10">Les investissements<strong> Perenys</strong> sont faits sur <strong>des actions et des Sukuks</strong>. Le rendement sur une action est lié à la propriété d&#x27;une partie d&#x27;une entreprise et peut varier largement en fonction de la performance financière et opérationnelle de l&#x27;entreprise ainsi que des conditions du marché, tandis que le rendement de taux d&#x27;intérêt est associé au prêt d&#x27;argent et est généralement plus prévisible et moins risqué. Un Sukuk est un instrument financier qui interdit l&#x27;intérêt <strong>(riba)</strong>. Les Sukuk représentent des parts dans un actif tangible ou dans un projet d&#x27;affaires et sont structurés de manière à générer un retour sur investissement sans impliquer de paiement d&#x27;intérêt.Nos solutions sont certifiées <strong>sans 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-9"><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-7"/></div></div></div></div></div></div><div class="footer"><div class="container-14 w-container"><div class="footer-frame"><div class="footer-title"><div id="w-node-_1a230da2-cf02-2943-0dd4-0c8619394af8-19394af5" class="footer-logo"><img 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