AXA exclusive mandate
PER
Want to boost your future pension and pay less tax?
With PER (Plan Epargne Retraite) you save on taxes and receive additional income to live comfortably in retirement.
This is a long-term investment. Such investments are best made with the personal support of an experienced financial advisor, who will select the right suitable strategy for you and will accompany you throughout your contract.
Benefits of the PER Pension Plan
Why do you need to open PER with AXA?
Support of professionals
We will accompany and answer your questions throughout the life of your contract
Refills at your pace
You can choose regular payments from 45€ or make a one-time payment. There are no penalties for refusing regular payments.
3. Withdrawal in the form of annuity (rent) or capital
You make a decision at the end of your contract whether to withdraw funds as an annuity or as equity. We do not charge any fees for withdrawing capital.
Give dynamism to your savings
With Ma Retraite, you no longer have to worry about managing your savings.
The closer you are to retirement age, the safer your savings will be!
This is the dynamic control of Activ'Retraite Croissance.
Our financial experts have carefully selected the most reputable management companies on the market to obtain the best balance of profitability and reliability of investments.
Your savings are protected thanks to the Eurocroissance fund. As part of the management of Activ' Retraite Croissance, the amounts invested in this support on 100% guaranteed during the accumulation period until retirement. Eurocroissance's goal is to offer you higher return potential, with controlled volatility and full guarantee at the end of the investment period.
Save with peace of mind with the Sérénité guarantee
With this guarantee, you can be confident of passing on to your beneficiary(ies) at least the accumulation of your gross benefits if you die before age 80.
Investing in mutual funds and/or the Eurocroissance fund prior to maturity involves the risk of loss of capital.
Amounts invested in investment instruments expressed in units of account and/or in the Eurocroissance fund until maturity are not guaranteed by the insurer, which undertakes obligations only in relation to the number of units of account and the number of reserve shares for diversification, subject to upward or downward fluctuations depending on events in financial markets.
How to use your savings in retirement
Capital payment*
You can withdraw your savings in full or in several payments.
Lifetime guaranteed annuity
Choosing an annuity allows you to provide a guaranteed lifetime payment of an additional pension.
You can also choose different annuity options during retirement.
Both options
You can also convert part of your savings into an annuity and take the other part as equity*.
Depending on your retirement situation, your advisor will help you determine timings tailored to your needs.
* With the exception of mandatory payments, and if the owner has irrevocably decided to receive rent.
AXA PER will provide you with a wide range of payment options
Your advisor will help you choose the right solution for your situation when you retire
Life annuity
Receive a lifetime pension supplement
Lifetime Convertible Annuity
Make sure your spouse will inherit your retirement income
Guaranteed rent
Guaranteed annuity that will be paid over 5, 10... 20 years. In case of death before the end of this period, 100 % of annuity will be paid to relatives
You can lower or increase the amount of rent in the first years
You can reduce the amount of the rent while this additional income is not so important. Or increase the annuity over several years to pay for children's education or pay off loans.
Temporary convertible annuity
After the death of the insured, the annuity will be paid to relatives for 10 or more years
Online access 24/7
I offer consultations both remotely and in the office. I will help you complete all the formalities, prepare and fill out all the necessary forms. It's simple and paperless. You will have access to your personal account on the website axa.fr. after signing the contract and you will be able to monitor your investment portfolio 24/7.
Ma Retraite 360 is an innovative online service offered to Axa France clients
It will allow you to calculate your future pension
- Collect all your sources of income for retirement in your personal account.
- Using the simulator, evaluate the impact on your future pension, changes in retirement age and visualize the income from other investments.
- Make the right decisions with the help of an experienced advisor.
Reviews from our clients
My question was not exactly Olga’s specialty, however, she explained possible further actions and helped me navigate a new situation for me. I would like to note the pleasant communication and professional approach to the request
Having moved to France, it is very difficult to communicate with the French on the topic of entrepreneurship and taxes, there are too many nuances and complex terms. I’m glad that I managed to find a person who speaks Russian, but at the same time fully understands the French system. Olga answered all my questions and was very helpful!!! Thank you, I recommend it to everyone!
Olga is a professional consultant with an individual approach to clients. Very pleasant to talk to. Our short consultation helped me understand where to move next and what to do in my situation. Thank you very much!
The consultation with Olga was very useful for me: Olga answered my questions and clarified points that I did not understand. Everything is clear and to the point! Thank you
I recommend Olga, a responsible and competent specialist. I had a consultation with her regarding running a business, and before that I had a consultation in another place, so there is something to compare with. Olga approached the preparation very professionally, which is very important, she took into account individual circumstances, and clearly and competently explained all the questions that interested me. The consultation was complete and detailed, and allowed us to figure out how to proceed further.
Early release of funds
Your capital will be available when you retire. However, you can withdraw funds early in the following 6 cases:
1. acquisition of primary housing;
2. category 2-3 disability of the holder, spouse or children;
3. expiration of the right to unemployment benefits;
4. over-indebtedness situation;
5. death of the PACS holder, his spouse or partner.
6. legal liquidation of the enterprise for TNS;
By investing with AXA, your investment makes sense for the future of sustainable development
Do you want your savings to have a positive impact on society and the planet?
We have selected for you to invest in companies that value environmental, social and governance (ESG) criteria.
Our goal: to combine high returns and responsible investments.
Our mission is your financial protection
Tax optimization
Reliable solutions
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