An attractive investment
Particularly advantageous conditions
An employee savings plan can help your build your savings under particularly advantageous conditions
Favourable tax treatment
Employee savings plans carry a number of social and tax benefits, as shown below
| Social security contributions | Income tax | Ceiling per beneficiary | Capital gains | |
| Profit-sharing | Exempt except for 9.7% CSG/CRDS | Exempt | 75% of PASS | 17.2% Social security contributions |
| Incentive | Exempt except for 9.7% CSG/CRDS | Exempt | 75% of PASS | 17.2% Social security contributions |
| Subscription | Exempt except for 9.7% CSG/CRDS | Exempt | PEE: 8% of PASS, PERCO/PERe: 16% of PASS |
17.2% Social security contributions |
| Unused paid time off/days in your Time Savings Account (CET) | Exempt from social security contributions | Exempt | PERCO/PERe: 10 days/year | 17.2% Social security contributions |
PASS = Annual social security ceiling (Plafond Annuel de Sécurité Social)
Source: HSBC Epargne Entreprise 2020
Access to our asset managers
You benefit from the expertise of our HSBC Global Asset Management (France) financial management teams. Their expertise, in particular working with the most discriminating French institutional clients, is a major strength that enables them to offer their employee savings plan clients tailored solutions alongside rigorous risk monitoring and management.