Collective Retirement Savings Plan (PERCO)

The Collective Retirement Savings Plan (PERCO) is an employee savings solution designed to help employees prepare for retirement with the support of their employer. Complementing the Company Savings Plan (PEE), the PERCO targets long-term investment, offering savings locked in until retirement, except in specific cases allowing for early withdrawal. Apex Capital is dedicated to providing a detailed explanation of this scheme, clarifying the multiple facets of this retirement savings tool for companies and their employees.

 

Features and benefits of PERCO

PERCO facilitates the accumulation of retirement savings through voluntary contributions, supplemented by profit-sharing, participation, and, most importantly, generous employer matching contributions. Invested according to various investment formulas, the savings aim to cater to the risk profiles of each employee.

 

For employees

•Tax benefits: Benefit from income tax exemption for contributions, with capital gains taxed only through social security contributions.

•Flexible payout options: Choose between a life annuity or a lump sum upon retirement.

•Attractive employer matching: Enjoy employer matching contributions, a powerful multiplier of your retirement savings with no additional tax burden.

 

For employers

•Increased loyalty: PERCO is a strategic tool to motivate and retain employees, aligning them with the company’s success.

•Tax and social benefits: Contributions to PERCO are deductible from corporate taxes and exempt from social security charges, except for CSG/CRDS.

 

Access conditions and contribution modalities

PERCO is open to all employees with minimal seniority conditions. Flexible and customizable contributions can include profit-sharing, participation, and voluntary contributions.

 

Early withdrawal from PERCO

Despite savings primarily locked in until retirement, PERCO allows for early withdrawal in specific cases, such as purchasing a primary residence or during significant personal situations.

 

Apex Capital: your partner for PERCO

 

Apex Capital positions itself as your preferred ally for implementing and managing a PERCO aligned with your company’s goals and your employees’ aspirations. Our support includes:

•Strategic advice: We design a tailored PERCO plan adapted to your company’s culture and objectives.

•Optimal management: Our expertise ensures the selection of the best investments to maximize the return on retirement savings.

•Support and training: We engage employees with clear communication on PERCO benefits, helping them make informed decisions.

 

To conclude

PERCO offers a privileged avenue for retirement preparation, combining tax benefits, flexibility, and growth potential of savings. For employers, it is a differentiated compensation solution, strengthening employee attachment to the company. With Apex Capital, fully exploit the potential of PERCO to enrich your overall compensation strategy and support the financial future of your employees.

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