Towards a revision of the savings products

The contours of the bill Pact (action Plan for growth and business transformation) were presented on Monday, June 18, in the council of ministers. Without great surprise, the government intends to refocus the range of savings products around three products :

  • an individual product that would combine the contracts Madelin, today available only to independent, and savings plans retirement populaire (PERP) which are open to all the future pensioners (but with a specific tax regime for non-salaried workers) ;
  • two products, the collective retirement savings plan, additional company with a product of the type “Perco” (savings plan for collective retirement) that would be open to all employees, and a media type of “article 83” which could be reserved, as is already the case today, certain categories of employee (managers and executives).

By doing this, the government gives up under the weight of the different lobbies ? – his initial idea was to merge the Perco and the contracts so-called article 83.

Also read :

Law Covenant : measures to develop the savings

Even if the project is not said in these words, the Perco will retain its specificities and small businesses could set up a Perco without having in place a prior company savings plan (PEE).

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