Early employee savings: when will it be released?

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As part of the votes on the “purchasing power” law, Parliament decided to relax the rule concerning employee savings. Until December 31, 2022, private sector employees will no longer have to wait 5 years to be able to touch it.

All private sector employees are affected by this measure, and will be able to receive the funds placed on a company savings plan (PEE), a group savings plan (PEG) or an inter-company savings plan (PEI), recalls Better live your money. To do this, it must be requested in one go from the establishment that holds the PEE – and not the employee’s company. “You will not be able to use this unlocking pattern twice, but you can benefit from this measure even if you have already requested a classic early unlocking this year, for example if you got married at the start of 2022”, explains in Le Monde Jean- Christophe Benzo, CEO of Groupama employee savings.

On the other hand, retirement savings (Perco, Percol) are not affected by the system. The release of funds, capped at 10,000 euros per employee, is supposed to “finance the purchase of one or more goods or the supply of one or more services”. To prove it, it will therefore be necessary to bring invoices to be able to justify it to the tax authorities.

According to Dominique Dorchies, Deputy CEO of Natixis Interépargne interviewed by Le Monde, it will be possible to take advantage of the measure from September at Natixis; however, she calls on employees to “not rush” and to “be careful not to submit a request before a collective agreement has been signed in their company because it must be remembered that only one request is possible” . According to Moneyvox, other employee savings managers are waiting for the green light from the government before they can unlock the device. This is the case, for example, of Amundi or Esalia, which is counting on a circular to be published in September.

According to a survey by the Financial Management Association, just over four out of ten employees (43%) say they have at least one employee savings plan. Usually, it can only be affected in certain specific cases: births, marriage or civil solidarity pact (Pacs), divorce or separation with custody of at least one child, disability, death of the employee or his spouse, over-indebtedness, business creation, acquisition of a principal residence, or even in the event of domestic violence.