Company Savings Plan (PEE)

The Company Savings Plan (PEE) is designed to enable employees of a company to build long-term savings with the financial support of their employer and within a favorable tax environment. This scheme promotes employee engagement by linking them to the company’s performance and development while offering an attractive savings opportunity. Apex Capital is committed to clarifying the specifics of the PEE, highlighting its benefits, features, and access criteria under French law.

 

Key features of the company savings plan (PEE)

The PEE allows employees to invest in corporate mutual funds (FCPE) or in their own company’s shares, often encouraged by employer matching contributions. Contributions are locked in for five years, except in certain cases of early withdrawal allowed by law.

 

Distinctive advantages of the PEE

For employees

•Tax benefits: Income tax exemption for invested amounts and gains, with only social security contributions applied to profits.

•Employer matching: Enhanced savings through additional employer contributions, increasing savings without additional tax burden for the employee.

•Diverse investment options: The PEE offers a wide range of investment choices for optimal portfolio diversification.

 

For employers

•Motivation and retention: The PEE serves as a lever to motivate employees by associating them with the company’s results.

•Tax incentives: Company contributions are deductible from corporate taxes and exempt from social security charges.

 

Access and contribution modalities

Accessible to most employees, with moderate seniority conditions, the PEE allows flexible contributions, with or without employer participation.

 

Early withdrawal opportunities

Despite a five-year lock-in period, personal circumstances may allow early withdrawal of funds, facilitating access to invested amounts in case of need.

 

Apex Capital’s expertise in managing the PEE

Apex Capital stands out for its tailored support in setting up and managing the PEE, offering:

•Personalized advice: Savings strategies aligned with the company’s policy and employee expectations.

•Optimized management: Selection of the best investment options to enhance PEE performance.

•Continuous support: Regular follow-up and information sessions to educate employees about the benefits of the PEE.

 

To conclude

The PEE is a valuable savings scheme for both employees and employers, offering significant tax advantages and contributing to a sense of belonging to the company. With Apex Capital’s expertise, companies can offer a high-performing and tailored PEE that meets the needs of all stakeholders involved.

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