AXA Mon Épargne Entreprises
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Whithdraw your savings
Your savings can be withdrawn before retirement
Your money is available before your retirement through products such as the PEE plan (company savings plan) and in certain exceptional situations. It is essential that you know how and when you can withdraw your funds.
Finance a project or handle an unexpected setback
Depending on the product subscribed by the company, specific cases allow you to withdraw your savings before the scheduled date to cope with life’s challenges and your projects.
Withdrawal cases are provided for personal and/or family events (Marriage, Civil Union, Divorce, Caregiver parent, etc.), for real estate projects such as purchasing a primary residence, for professional development (including starting a business), for ecological commitments (purchase of a clean vehicle), and for difficult times (such as over-indebtedness).
Keep all supporting documents related to your situation.
Check the available withdrawal cases for the PERO here and for employee savings here.
The PEE offers savings available after 5 years
The company savings plan (PEE) allows you to recover the invested amounts five years after each contribution. This feature offers valuable flexibility to:
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Finance a personal or family project
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Meet a one-time need
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Supplement your income without waiting for retirement
At the same time, with the PEE you benefit from:
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Income tax exemption on gains
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Possible non-taxable matching contributions from your company up to an annual limit
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Flexible management: full or partial withdrawal of your money, according to your needs
At retirement, you choose when and how to recover your savings
You can recover your principal when you retire. You will then have the freedom to withdraw it as a lump sum or as an annuity (subject to conditions) to support this new stage of life as you wish.
Focus on the lump sum payment:
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Immediate access to all or part of your accrued savings
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Tax optimization: possibility to spread withdrawals to reduce taxation
Please note that the redemption request can be made directly online in your personal saver area, with real-time tracking and electronic signature.
Focus on the annuity:
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Guaranteed regular income for life
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Simplified management: no financial instrument monitoring required
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Adapted taxation: allowance based on age and taxation as a retirement pension
We offer six annuity options to meet every specific need, including the annuity with survivor benefits to protect your spouse or the increasing annuity in stages to anticipate healthcare expenses. In addition, we offer the dependency guarantee, which doubles the annuity amount if the saver becomes dependent.
AXA supports you for your retirement transition
We do everything possible to make the transition between your professional life and your retirement easier.
We provide future retirees with:
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A clear and structured retirement guide to understand basic, complementary, and supplementary retirement plans
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An educational sheet on the different annuity options available
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An annual estimate of the future annuity on a statement