Description du Plan d'épargne entreprise (PEE) et du Plan d'épargne retraite (PER Collectif)
Description du Plan d'épargne entreprise (PEE) et du Plan d'épargne retraite (PER Collectif)

What is the difference between my PEE/PEI and my Collective PER/Mandatory PER

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The main difference between these two savings plans lies in the duration of blocking of your savings , the sums placed on a PEE/PEI are blocked for 5 years and on the Collective PER/Compulsory PER until the legal age of departure at retirement .

Other points that differ:

  • The reasons for early release : they vary depending on the savings plan and are more numerous in the context of a PEE/PEI. Within the framework of the PEE/PEI , it is requested, for certain reasons , to send its request for release within 6 months .

  • The possibility of deducting voluntary payments or unused leave days from taxable income (⚠️ only for Collective PER). In fact, it is impossible to deduct personal payments or days of rest not taken from your taxable income within the framework of a PEE/PEI.

  • Ceilings : the amounts paid into one's PEE/PEI are capped by law, there is no ceiling for the Collective PER/Mandatory PER (except for deductible payments).