Employee savings plans are at the heart of Natixis Interépargne’s business

Natixis Interépargne’s bases its employee savings approach on listening to its customers, strong relationships and social responsibility.

Natixis Interépargne, employee savings market leader and pioneer

• Improving financial and human resources performance

Employee savings plans help companies to optimise their payroll costs and boost their image as employers. These plans represent a benefit that both motivates employees and encourages loyalty to the company.

Natixis Interépargne supports organisations of all sizes, from major multinationals to small and mid-sized companies. Its objective is to meet each company’s expectations in terms of supplementary remuneration in the interest of adding lasting value to its human resources strategy.

In this context, Natixis Interépargne actively participates in lobbying activities on supplementary income issues and plays a major role in innovation.

Natixis Interépargne is also a forerunner in providing services for both employees and businesses. Corporate comparison tools use data provided by the Club de l’Épargne Salariale (an association of employee savings banking institutions) and include a barometer to measure employer matching contributions. 

• Highly competitive savings support services

Employee savings plans offer their beneficiaries unequalled financial and tax benefits. Once employees are vested, they have access to a tax-deductible savings account they can use however they wish (excluding fees owed for capital gains). Due to its attractive tax advantages and potential employer matching contributions, the returns on employee savings plans are usually greater than for other savings accounts. 

A diversified offer

• Optional profit-sharing premiums

Profit-sharing incentives involve offering employees and certain executives bonuses that are tied to the company’s performance and profitability.

 » Learn more about optional profit-sharing premiums

• Mandatory profit-sharing premium

Mandatory in companies with 50 employees or more, profit-sharing premium plans link employee remuneration to the company’s financial performance. Under the plan, employees benefit from the redistribution of a portion of the profits they have helped to generate.   

» Learn more about mandatory profit-sharing premiums

• Company Savings Plans (PEE)

Company Savings Plans enable employees to make contributions to a company-sponsored individual account with attractive financial and tax benefits. Employers can optimise their payroll costs while also providing a benefit that boosts employee loyalty and motivation. 

» Learn more about Company Savings Plans

• Unused vacation days account

For companies operating in France, unused vacation day accounts are a valuable resourcing tool. Depending on the plan’s provisions, an unused vacation day account can also enable employees to:

• conserve days off or the monetary equivalent for use at a later date when they are not working,
• receive employer contributions,
• make additional contributions to an employee savings account (Company Savings Plan, PEI or PERCO).

 » Learn more about unused vacation day accounts

Diversified and innovative financial management

In conjunction with Natixis Asset Management, one of the market leaders in asset management for employee savings, Natixis Interépargne offers a wide range of Employee Mutual Investment Funds (FCPEs) to suit the full spectrum of investor profiles, objectives and investment horizons. 

Natixis Interépargne has always prioritised social responsibility. In partnership with Natixis Asset Management, it offers original and innovative solutions including:

• a socially responsible High-Risk Mutual Investment fund (FCPR), a unique tool that offers diversified management in terms of socially responsible projects or investments,

• a wide range of socially responsible multi-company Employee Mutual Investment Funds (FCPE) approved by Finansol in France,

• a complete range of SRI FCPEs approved by the French union committee for employee savings (CIES).