Understanding employee savings plans

Additional income to finance your personal projects

Employee savings plans are an indispensable way for employees to earn additional income with tax incentives and benefits. Depending on your plan's conditions, employee savings plans enable you to:

• finance short- to medium-term personal projects,
• supplement your retirement savings,
• provide a financial safety net by generating precautionary savings,
• enjoy additional purchase power.
  

Security and advantages offered by company plans

Companies provide employees with preferential conditions for growing savings to finance medium- to long-term projects.

• The employee savings plan offered by your company is the result of an accepted or negotiated agreement.
• Your employee and retirement savings funds are available to you  under special circumstances.
• You receive more tax incentives and company benefits than an individual savings account.
• Your company can, under certain conditions, help you save by making additional payments:  employer matching contributions.

Mandatory profit-sharing premiums

Mandatory profit-sharing premiums enable you to directly benefit from your company’s profits. The amount of these premiums is calculated according to legal guidelines (or an exception to these rules specified in your company’s mandatory profit-sharing agreement).

» Learn more about mandatory profit-sharing premiums

Optional profit-sharing premiums

Optional profit-sharing premiums help you to profit from your company’s growth under advantageous conditions. The amount of the premiums varies according to objective criteria. 

» Learn more about optional profit-sharing premiums

Company Savings Plans (PEEs)

This employee savings option makes it possible for you to accumulate medium-term savings with your employer’s help. It offers attractive company benefits and tax incentives. 

» Learn more about Company Savings Plans

Collective Retirement Savings Plans (PERCOs)

This retirement savings solution enables you to earn tax-free capital⁽¹⁾, annuities or both⁽¹⁾ when you reach retirement age. 

» Learn more about Collective Retirement Savings Plans (PERCOs)  

⁽¹⁾ According to your Collective Retirement Savings Plan (PERCO) payment provisions.

Employee stock ownership plans (ESOPs)

Associated with employee savings, ESOPs provide tax incentives and help you to benefit from your company’s future earnings.

» Learn more about ESOPs