top of page
PEE PERECO.webp

PEE / PERECO

Advantages for Everyone

In an uncertain economic climate, knowing how to better manage and optimize your savings is more important than ever. Whether you’re an employee or a business owner, there are savings schemes specifically designed to help you maximize your returns while benefiting from tax advantages.

Today, let’s explore the PEE (Company Savings Plan) and the PERECO (Collective Company Retirement Savings Plan)—powerful tools for building solid wealth, whether you’re an employee or an employer.

​

Workplace Savings Plans : A Win-Win System

The PEE and PERECO are savings schemes implemented by companies for their employees. These plans allow employees to build up savings while benefiting from employer contributions in the form of matching contributions. You invest, the company adds more, and everyone wins! 

​

How Does It Work?

  • Employees can contribute funds from their salary, profit-sharing, or performance bonuses.

  • The company can then enhance these contributions through matching contributions, multiplying the invested amounts.

​

Lock-In Periods:

  • The PEE is locked for five years (except in cases of early release).

  • The PERECO, as its name suggests, is geared toward retirement, with funds locked until that time.

 

Both schemes offer significant opportunities for tax optimization and savings growth, making them ideal solutions for long-term financial planning.

Open space

Employees

The advantages of PEE and PERECO

1. Grow Your Savings Smoothly

Imagine your employer doubling or even tripling every euro you set aside.

That’s exactly what the employer match in a PEE or PERECO allows. Companies can contribute up to 300% of your contribution, with annual limits of €3,290 for the PEE and €6,588 for the PERECO.

For example, if you invest €1,000 of your own money, you could end up with €4,000 in savings. Who would turn down such a generous boost?

​

2. Tax Benefits: Make Your Money Work Harder

Not only do you save, but you do so with significant tax advantages.

  • Contributions to a PEE or PERECO are exempt from income tax.

  • Capital gains within these plans remain tax-free as long as they stay in the plan.

  • Additionally, profit-sharing and incentive bonuses placed in these accounts are also income-tax exempt.

This allows you to optimize your tax situation while growing your savings.

​

3. Secure Your Retirement with Peace of Mind

The PERECO is specifically designed to support you until retirement.

It’s an effective way to build a capital or income stream for your golden years, all within a highly advantageous tax framework. Plus, you can unlock these funds under certain exceptional circumstances (e.g., purchasing your primary residence, marriage), giving you a degree of flexibility.

Montre au poignet d'un homme

Independent

What is the point of a PEE or a PERECO?

1. Boost Employee Loyalty

In a world where employees increasingly seek meaning and security in their work, offering a workplace savings plan such as the PEE or PERECO is a powerful way to foster loyalty. These plans strengthen employees’ commitment to the company, especially when paired with a profit-sharing or incentive agreement. Employees feel rewarded for their contributions to the company’s success while also building financial security for their future.

​

2. A Flexible and Advantageous Compensation Tool

Offering a PEE or PERECO is often more cost-effective for the company than distributing traditional bonuses.

  • These plans are exempt from payroll taxes and corporate income tax, reducing the overall cost while boosting employees' purchasing power.

  • The company can adjust matching contributions based on business performance or available budgets, providing flexibility in compensation management.

​

3. A Wealth Management Tool for Business Owners

Few entrepreneurs realize that PEE and PERECO plans can be implemented with as few as one employee.

For example, in the case of a family holding company:

  • The managing director (husband) and an employee (wife) can both benefit from the maximum 300% matching contributions on their payments.

  • This is a smart way to extract funds from the business while minimizing tax liability.

​

4. Budget Control and Simulation Tools

Worried that matching contributions might exceed your budget?

No problem. You can set contribution caps and adjust them based on your company’s financial results.

At WhiteBlock, we provide an Excel simulation tool that allows you to model different matching scenarios. This helps you precisely control expenses and tailor your strategy to the company’s needs.

Collaboration

Conclusion

A win-win solution

Whether You’re an Employee or a Business Owner, the PEE and PERECO Offer Incredible Potential

These plans provide undeniable tax, financial, and wealth-building benefits.

​

  • For Employees: It’s an opportunity to grow your savings with the help of your employer.

  • For Employers: It’s an effective way to motivate your teams and optimize cash flow management.

 

Why wait? Start implementing these plans or take advantage of them to optimize your savings today.

At WhiteBlock, we guide you through the setup and management of these tools to ensure you get the most out of them.

Contact us to learn more and discover how these plans can transform your savings strategy.

​

You are : 

Proof in effective images PEE PERECO.png
bottom of page