{"id":72,"date":"2024-05-21T17:02:40","date_gmt":"2024-05-21T15:02:40","guid":{"rendered":"https:\/\/apexcapital.fr\/?p=72"},"modified":"2024-09-08T11:54:34","modified_gmt":"2024-09-08T09:54:34","slug":"plan-depargne-retraite-collectif-perco","status":"publish","type":"post","link":"https:\/\/apexcapital.fr\/en\/plan-depargne-retraite-collectif-perco\/","title":{"rendered":"Collective Retirement Savings Plan (PERCO)"},"content":{"rendered":"<p><\/p>\n<p class=\"p1\">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. <strong>Apex Capital<\/strong> is dedicated to providing a detailed explanation of this scheme, clarifying the multiple facets of this retirement savings tool for companies and their employees.<\/p>\n<p>&nbsp;<\/p>\n<p class=\"p1\"><strong>F<\/strong><strong>eatures and benefits of PERCO<\/strong><\/p>\n<p class=\"p1\">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.<\/p>\n<p>&nbsp;<\/p>\n<p class=\"p1\"><strong>For employees<\/strong><\/p>\n<p class=\"p3\"><strong>\u2022Tax benefits:<\/strong> Benefit from income tax exemption for contributions, with capital gains taxed only through social security contributions.<\/p>\n<p class=\"p3\"><strong>\u2022Flexible payout options:<\/strong> Choose between a life annuity or a lump sum upon retirement.<\/p>\n<p class=\"p3\"><strong>\u2022Attractive employer matching:<\/strong> Enjoy employer matching contributions, a powerful multiplier of your retirement savings with no additional tax burden.<\/p>\n<p>&nbsp;<\/p>\n<p class=\"p1\"><strong>For employers<\/strong><\/p>\n<p class=\"p3\"><strong>\u2022Increased loyalty:<\/strong> PERCO is a strategic tool to motivate and retain employees, aligning them with the company\u2019s success.<\/p>\n<p class=\"p3\"><strong>\u2022Tax and social benefits:<\/strong> Contributions to PERCO are deductible from corporate taxes and exempt from social security charges, except for CSG\/CRDS.<\/p>\n<p>&nbsp;<\/p>\n<p class=\"p1\"><strong>Access conditions and contribution modalities<\/strong><\/p>\n<p class=\"p1\">PERCO is open to all employees with minimal seniority conditions. Flexible and customizable contributions can include profit-sharing, participation, and voluntary contributions.<\/p>\n<p>&nbsp;<\/p>\n<p class=\"p1\"><strong>Early withdrawal from PERCO<\/strong><\/p>\n<p class=\"p1\">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.<\/p>\n<p>&nbsp;<\/p>\n<p class=\"p1\"><strong>Apex Capital: your partner for PERCO<\/strong><\/p>\n<p>&nbsp;<\/p>\n<p class=\"p1\"><strong>Apex Capital<\/strong> positions itself as your preferred ally for implementing and managing a PERCO aligned with your company\u2019s goals and your employees\u2019 aspirations. Our support includes:<\/p>\n<p class=\"p3\"><strong>\u2022Strategic advice:<\/strong> We design a tailored PERCO plan adapted to your company\u2019s culture and objectives.<\/p>\n<p class=\"p3\"><strong>\u2022Optimal management:<\/strong> Our expertise ensures the selection of the best investments to maximize the return on retirement savings.<\/p>\n<p class=\"p3\"><strong>\u2022Support and training:<\/strong> We engage employees with clear communication on PERCO benefits, helping them make informed decisions.<\/p>\n<p>&nbsp;<\/p>\n<p class=\"p3\"><strong>To conclude<\/strong><\/p>\n<p class=\"p1\">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 <strong>Apex Capital<\/strong>, fully exploit the potential of PERCO to enrich your overall compensation strategy and support the financial future of your employees.<\/p>\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>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 &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/apexcapital.fr\/en\/plan-depargne-retraite-collectif-perco\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Collective Retirement Savings Plan (PERCO)&#8221;<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_joinchat":[],"footnotes":""},"categories":[6],"tags":[39,38,40,36,37,29,28,30,26,27,34,33,35,31,32,24,23,25,21,22,49,48,50,46,47,44,43,45,41,42],"class_list":["post-72","post","type-post","status-publish","format-standard","hentry","category-les-solutions-pour-dirigeants","tag-assurances-vie-biarritz","tag-assurances-vie-lourdes","tag-assurances-vie-nouvelle-aquitaine","tag-assurances-vie-pau","tag-assurances-vie-tarbes","tag-conseils-financiers-biarritz","tag-conseils-financiers-lourdes","tag-conseils-financiers-nouvelle-aquitaine","tag-conseils-financiers-pau","tag-conseils-financiers-tarbes","tag-defiscalisation-biarritz","tag-defiscalisation-lourdes","tag-defiscalisation-nouvelle-aquitaine","tag-defiscalisation-pau","tag-defiscalisation-tarbes","tag-gestion-de-patrimoine-biarritz","tag-gestion-de-patrimoine-lourdes","tag-gestion-de-patrimoine-nouvelle-aquitaine","tag-gestion-de-patrimoine-pau","tag-gestion-de-patrimoine-tarbes","tag-plan-depargne-retraite-biarritz","tag-plan-depargne-retraite-lourdes","tag-plan-depargne-retraite-nouvelle-aquitaine","tag-plan-depargne-retraite-pau","tag-plan-depargne-retraite-tarbes","tag-succession-biarritz","tag-succession-lourdes","tag-succession-nouvelle-aquitaine","tag-succession-pau","tag-succession-tarbes"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.6 (Yoast SEO v27.7) - 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