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It's an excellent way to save without thinking too much about it and to let your savings "work", the returns often being higher than those you can have on regulated savings accounts (Livret A, PEL, LDD, etc.) , thanks in particular to the phenomenon that could be called “ returns on returns on returns” or “compound interest” .

Let's take the example of Damien, he has set up a monthly payment of €50 every month on his PEE/PEI, with an average annual return of 5%* up to age 60. Here, in the attached table, is the difference in income he can expect if he starts at age 20 vs. at age 30:

Damien will have earned €33,357 more starting at age 20 with only €6,000 more saved (€50/month/10 years). We are only talking about voluntary payments here; if Damien also invests his premiums every year, the total amount saved will be greater.

Why pay regularly into my savings plans?

Why pay regularly into my savings plans?