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Place or collect my bonus?

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Place or collect my bonus?

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If you do not need the amounts right away , you can choose to place your premium on your company savings plans (PEE/PEI and/or PER Collective). The sums invested will in theory be blocked for 5 years on the PEE/PEI and until retirement on the Collective PER but there are cases of early release provided for by law.

Why invest your bonus ?

  • You will benefit from an exemption from income tax (advantageous if your tax rate is high)

  • You will be exempt from certain social security contributions (excluding CSG/CRDS, rate in force in 2020, 9.7%)

  • You will only be subject to social security contributions on the capital gains made when you release your savings.

  • You let the sums invested grow until your savings are released (in the long term or early)

What if I receive my bonus directly into my bank account ?

  • You will not benefit from any tax advantage (it all depends on your Marginal Tax Rate) and you risk seeing the net amount reduced.

  • You will be exempt from certain social security contributions (excluding CSG/CRDS, rate in force in 2020, 9.7%)