Retirement savings
Preparing for retirement is a major issue for employees, individuals and business leaders alike. Retirement savings solutions, although adapted to each status, offer an effective way to supplement basic retirement income and ensure a certain financial peace of mind in the long term.
Employees and business leaders thus have a range of systems available to them allowing them to build up retirement capital or additional income and benefit from attractive tax advantages.
The PER: Deductible payments
Your payments into the individual PER can be deducted from your taxable income, within the limit of a certain annual ceiling which depends on your status.
If you are an employee , it is possible to pay into your PER up to 10% of your net professional income, with possible carry-over over 3 years of unused ceilings and possible pooling between married spouses/civil partnership partners.
If you are self-employed, you can pay into your PER up to 10% of your taxable profit (up to 8 times the PASS) to which is added an additional 15% on the portion of this profit between 1 and 8 times the PASS.