The supplementary pension is still unknown to many French people. However, it stands out as a valuable way to obtain additional resources when you retire. To take advantage of this, you need to take out a contract with a banking establishment, an insurance or provident company that will provide you with this supplementary pension. But how do you choose between an individual supplementary pension and a company supplementary pension?
Often favored by the self-employed or company directors because of their low contributions to the general social security system, the supplementary pension can be taken out by all types of future retirees. In this context, you can choose a contract where you will be able to make free payments in order to finance your future retirement. No special conditions are required: you can select a retirement savings plan (PER), life accident insurance or a stock savings plan (PEA). Old contracts such as Madelin, article 83, Préfon and PERP are also referenced as supplementary pension products.
Your supplementary pension can also be taken out within the framework of your company. Indeed, some organizations offer their employees this type of device in order to retain their teams. This system also represents significant fiscal advantages for managers, who have the possibility of deducting the sums paid by the company. In this process, the benefits are shared between the employer and the employee who takes out the contract. In terms of products, most often, you will be able to choose a collective company PER or a mandatory company PER. It’s up to you whether you want to invest in a top-up with your employer or opt for an individual solution for financing your retirement.
