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

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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).