How to fund your company savings plan?

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How to fund your company savings plan?

The PEE and PER plans are powerful tools to prepare your projects and your retirement. But do you know exactly how to fund them? As an employee, you have many ways to build your savings while benefiting from tax advantages.

Your bonuses, a real savings opportunity

Incentive bonus and profit-sharing bonus: you can choose to receive these bonuses directly (they will then be taxable) or invest them in your PER or PEE plan. This choice allows you to benefit from income tax exemption (excluding Social Security Taxes), under certain conditions.
PPV (profit-sharing bonus) and PPVE plan (company added-value sharing plan): you can also choose to receive these bonuses directly or invest them in your savings products.

Benefit from your employer’s matching contribution

The matching contribution* is a real lever to enhance the value of your savings effort. It allows you to boost your savings without any additional effort, while benefiting from a favorable tax and social framework.

In practice, it is an amount that the company can add to your own contributions (bonuses, unused vacation days, personal contributions, etc.). This supplement can represent a percentage of your contributions and is limited by legal ceilings.

Turn your time into savings

Did you know that your unused vacation days can be turned into savings? These days can be monetized and integrated into your company savings plan products, while benefiting — under certain conditions — from income tax exemption.

Gather your company savings plan

Have you already built up savings in another company? To better manage your savings and simplify administration, consolidate your former PEE and/or PER in your personal saver area.

Savings at your own pace, according to your means

You can make personal contributions at any time. You choose the amount to invest. Your contributions can be one-off and/or scheduled.

On the PEE, withdrawable after 5 years**, these contributions are not deductible from your taxable income.
On the PER, withdrawable at retirement*, you can choose to deduct your contributions from your taxable income, under certain conditions.

Key information: for PER you must choose between a tax advantage at entry (deduction of contributions) or at exit.

We are always by your side

You are never alone when making your savings decisions. You have at your disposal:

The "AXA Mon Épargne Entreprises" app and web area: to track the progress of your savings, make contributions, and view your financial instruments, wherever you are.
Mon Coach Epargne***: a 30-minute session with a financial expert to help you make the right choices based on your profile and objectives.

* The PERO does not provide for matching contributions
** Except in cases of early withdrawals

*** An optional service