Enhance your schemes

We help you enhance your schemes

Your company has already put an employee savings scheme in place. Did you know you can enhance it and help it evolve? You have several options:

Set up a Collective Company Retirement Savings Plan (PERCOL)

The PERCOL is a scheme that enables employees to save for retirement. Amounts are locked in until the legal age at which entitlement to a retirement pension begins, except in cases of early release.

A company that has had a PEE in place for more than three years must open negotiations with a view to setting up a company retirement savings plan that is open to all employees.

Benefits for you as an employer

• a simple and effective way to provide additional retirement savings for employees
• a scheme open to all, which can later be supplemented with a category-based approach
• a genuine employee retention tool, as employees are increasingly sensitive to the support their employer provides in preparing for retirement
• tax and social security advantages: You benefit from a reduced forfait social rate: 16% instead of 20%
• a reduction in your company’s social liabilities

Benefits for your employees

• by default, it offers managed (lifecycle) investing
• employees are free to join and to contribute (or not) to the company retirement savings plan
• the employer matching contribution can be up to 16% of the PASS (annual Social Security ceiling)
• voluntary contributions may be deductible from taxable income (within the retirement savings allowance)
• employees can unlock their company PER to buy their main residence
• existing retirement savings products (PERP, Madelin, PERCO, Article 83) can be transferred to the company PER. Life insurance policies can also be transferred, if they have been held for more than 8 years, with a doubled tax allowance, up to 1 January 2023

Setting up a Time Savings / Retirement Savings Transfer Mechanism

The Time Savings/Retirement Savings transfer mechanism is a tool that enables employees to contribute to their Retirement Savings Plan by transferring the cash equivalent of days from their Time Savings Account (CET) or from unused leave days.

Amounts transferred into a retirement savings scheme benefit from a favourable tax and social security regime, up to a limit of 10 days per year (excluding any employer top-up in time or cash).

Implementing this type of mechanism helps employees build up retirement savings in a painless way (with no impact on their monthly budget), without income tax on the amount transferred, while also benefiting from reduced social security contributions.

For you, as the employer, these amounts are exempt from employer social security contributions relating to social insurance and family allowances. They are also exempt from the “forfait social” (the French employer payroll levy).

These transfers also allow you to gradually reduce your company’s “social liabilities” (i.e., accrued employee time/benefits obligations).

Adding new investment options

Your employees can choose from a range of investment options. To help them diversify their holdings and optimise their investments, you can expand your investment offering at any time. This ensures your plan caters to all investor profiles and investment time horizons.

If your employees have chosen self-directed management, they select the funds they invest in themselves. It’s therefore important to offer a sufficiently broad range to meet all their needs.

Your employees may also wish to invest in funds that are already diversified. In that case, you can offer several funds tailored in particular to their risk profile (moderate, balanced, dynamic).

As part of their retirement savings, your employees may prefer to fully delegate the management of their assets. You can then offer them a managed (discretionary) option.

Savings are managed based on the investment horizon chosen by your employees. Their allocation evolves as the target date approaches: the proportion invested in so-called higher-risk assets gradually decreases in favour of other asset classes considered more secure.
In addition, to best meet our clients’ needs, we regularly launch new funds. Feel free to consult the list of savings products available on this site and enhance your plan accordingly.

Delegate your processing to your account keeper

If you’re a large or mid-sized company, you can delegate your administrative processing to your account keeper, Natixis Interépargne.

What are the benefits for you as an employer?

• You reduce the administrative workload for the teams responsible for employee savings processing (HR, finance, communications),
• You benefit from the expertise of your account keeper, Natixis Interépargne, one of the market leaders,
• You can track progress via your secure Company portal* and receive reporting once processing is complete,
• You minimise the risk of errors and employee dissatisfaction, and you can be confident you remain compliant with applicable regulations.

*The associated tools and services are provided by Natixis Interépargne.

What can you delegate to your account keeper?

For profit-sharing and incentive schemes

• Calculation of individual entitlements for eligible employees,
• Collection of employees’ choices / elections,
• Calculation of employer top-ups and debiting of the company account,
• Investment / payment into the employee’s account,
• Issuing transaction statements.

Managing the link between time savings and retirement savings

• Collection of employees’ choices / elections,
• Calculation of employer top-ups and debiting of the company account,
• Investment into the employee’s account,
• Issuing transaction statements.

As part of collecting employees’ choices, your account keeper enables savers to respond digitally via their Personal space* or the mobile app*. It also provides real-time tracking of responses and can send reminders.

*The associated tools and services are provided by Natixis Interépargne.