Natixis Interépargne: a comprehensive retirement savings plan offer

Helping employees prepare for their retirement

• Pension plans - an essential benefit
  
  

Natixis Interépargne helps companies implement the “retirement plans” component of their human resources strategy through a comprehensive range of solutions.

These collective initiatives enable employees to accumulate, with their employer’s help, additional retirement funds. Depending on the solution chosen, this additional revenue can be paid as a lifetime annuity or a lump sum.

• Services that meet employees’ expectations

As a market leader, Natixis Interépargne demonstrates its constant innovation in retirement savings by offering secured savings and capital-protected plans as well as discretionary portfolio management.

To respond to employees’ retirement concerns, Natixis Interépargne offers full information support, comprised of online retirement simulators and a team of multilingual (eight languages) telephone advisors specially trained to answer retirement-related questions. They can be reached on +33 (0) 2 31 07 74 00 (charged at local calling rates within France), Monday to Friday from 8.30am to 6.00pm, Paris time.

•  Asset management expertise from the European leader

Financial management of Natixis Interépargne’s retirement plans is provided by Natixis Asset Management. Companies and their employees thus benefit from a diversified offer that includes investment services and some of the most innovative financial management options currently on the market.

A diversified and innovative offer

• Collective Retirement Savings Plans (PERCO) and Company Savings Plans (PEE)

Natixis Interépargne provides customers with a Collective Retirement Savings Plan (PERCO) offer, in compliance with the French Law of 20 August 2008. It includes a wide range of managed account options and a solution for employees to manage links directly between their PERCO and their unused vacation days, and between their PERCO and an account for unused vacation days, in compliance with the French Law of 9 November 2010.

» Learn more about PERCO plans

• Article 83 retirement savings plans

Natixis Interépargne offers customers collective pension plans for their employees. These are known as Article 83 plans. This type of plan provides employees additional lifetime pension payments with attractive tax incentives (within account limits), reinforcing their sense of corporate loyalty. By opting for an Article 83 plan, the company generates retirement funds above and beyond the state-required minimum amounts for those employees who belong to the eligible group specified in the article. These additional pension payments are made in the form of lifetime annuities. They can only be accessed once the employee takes his or her basic retirement in accordance with French law, or at the age mentioned in the first paragraph of article L. 351-1 of the French social security code and specified in article R.351-2.

» Learn more about Article 83  retirement savings plans

• Article 39 retirement savings plans

Natixis Interépargne offers customers solutions to supplement their employees’ retirement funds. These are known as Article 39 plans. Mainly used for senior executives and managers, these defined benefit plans create collective funds which then benefit the category of employee specified in Article 39 of the General French Tax Law. The amounts are paid in the form of life annuities that supplement basic pension payments.

» Learn more about Article 39 retirement savings plans

• Retirement bonuses (Indemnités de Fin de Carrière - IFC)

Natixis Interépargne helps companies in France deal with the cost of managing retirement bonuses by offering specific collective plans. These plans create collective funds which the fund managers then pay directly to the plan’s beneficiaries.

» Learn more about IFC