{"id":2108,"date":"2021-12-24T15:17:34","date_gmt":"2021-12-24T15:17:34","guid":{"rendered":"https:\/\/rouzade.com\/?p=2108"},"modified":"2024-05-06T11:37:48","modified_gmt":"2024-05-06T09:37:48","slug":"kollektivnyj-plan-sberezhenij-pee","status":"publish","type":"post","link":"https:\/\/rouzade.com\/en\/kollektivnyj-plan-sberezhenij-pee\/","title":{"rendered":"PEE Collective Savings Plan"},"content":{"rendered":"<p>A collective savings plan (PEE) is a savings system created by a collective agreement or employer decision. This allows employees to build medium-term savings with the help of their company.<\/p>\n<p>This employee savings concept is implemented under favorable tax and social conditions:<\/p>\n<ul>\n<li>Exemption from income tax of the portion of the premium paid into the plan (but subject to the payment of social security contributions and a lump sum social security payment in certain cases).<\/li>\n<li>Employer contribution exempt from income tax.<\/li>\n<li>Income received under the plan is also exempt from income tax, but is still subject to social security contributions (and in some cases to the benefits package).<\/li>\n<\/ul>\n<p>All companies, regardless of their legal status (including associations and liberal professions, as well as public industrial and commercial enterprises), have the opportunity to make PEE available to employees.<\/p>\n<p>However, the state, as well as local governments, public hospitals and public administrative offices, do not have the ability to create such savings for their employees.<\/p>\n<p>PEE is replenished:<\/p>\n<ul>\n<li>special participation reserve,<\/li>\n<li>profit sharing funds,<\/li>\n<li>voluntary payments to employees,<\/li>\n<li>monetized CET rights,<\/li>\n<li>transfers from another plan,<\/li>\n<li>shares received for free,<\/li>\n<\/ul>\n<p>and signs with the company.<\/p>\n<p>The beneficiaries of PEE are company employees or association members.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Content<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #000000;color:#000000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #000000;color:#000000\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/rouzade.com\/en\/kollektivnyj-plan-sberezhenij-pee\/#%d0%9f%d0%be%d1%82%d0%be%d0%bb%d0%be%d0%ba_pee\" >Ceiling PEE<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/rouzade.com\/en\/kollektivnyj-plan-sberezhenij-pee\/#%d0%98%d0%bd%d1%84%d0%be%d1%80%d0%bc%d0%b0%d1%86%d0%b8%d1%8f_%d0%be_%d0%b1%d0%b5%d0%bd%d0%b5%d1%84%d0%b8%d1%86%d0%b8%d0%b0%d1%80%d0%b0%d1%85\" >Beneficiary Information<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/rouzade.com\/en\/kollektivnyj-plan-sberezhenij-pee\/#%d0%9a%d0%b0%d0%ba_%d1%80%d0%b0%d0%b1%d0%be%d1%82%d0%b0%d0%b5%d1%82_pee\" >How does PEE work?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/rouzade.com\/en\/kollektivnyj-plan-sberezhenij-pee\/#%d0%9a%d0%b0%d0%ba_%d0%b2%d0%b5%d1%80%d0%bd%d1%83%d1%82%d1%8c_%d0%b2%d0%bb%d0%be%d0%b6%d0%b5%d0%bd%d0%b8%d1%8f_%d0%b2_pee\" >How to return investments in PEE?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/rouzade.com\/en\/kollektivnyj-plan-sberezhenij-pee\/#%d0%94%d0%be%d1%81%d1%80%d0%be%d1%87%d0%bd%d0%be%d0%b5_%d0%be%d1%81%d0%b2%d0%be%d0%b1%d0%be%d0%b6%d0%b4%d0%b5%d0%bd%d0%b8%d0%b5_%d0%b8_%d1%83%d1%85%d0%be%d0%b4_%d0%b8%d0%b7_%d0%ba%d0%be%d0%bc%d0%bf%d0%b0%d0%bd%d0%b8%d0%b8\" >Early release and leaving the company<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/rouzade.com\/en\/kollektivnyj-plan-sberezhenij-pee\/#%d0%92%d0%b0%d1%88%d0%b8_%d0%bf%d1%80%d0%b0%d0%b2%d0%b0_%d0%bd%d0%b0_%d1%81%d0%bb%d1%83%d1%87%d0%b0%d0%b9_%d1%83%d1%85%d0%be%d0%b4%d0%b0_%d0%b8%d0%b7_%d0%ba%d0%be%d0%bc%d0%bf%d0%b0%d0%bd%d0%b8%d0%b8\" >Your rights if you leave the company<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/rouzade.com\/en\/kollektivnyj-plan-sberezhenij-pee\/#pee_%d0%b2_%d1%81%d0%bb%d1%83%d1%87%d0%b0%d0%b5_%d1%81%d0%bc%d0%b5%d1%80%d1%82%d0%b8_%d0%b2%d0%bb%d0%b0%d0%b4%d0%b5%d0%bb%d1%8c%d1%86%d0%b0\" >PEE in case of owner&#039;s death<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/rouzade.com\/en\/kollektivnyj-plan-sberezhenij-pee\/#%d0%9f%d0%b5%d1%80%d0%b5%d0%b2%d0%be%d0%b4_pee_%d0%bd%d0%b0_per_%d0%b8%d0%bd%d0%b4%d0%b8%d0%b2%d0%b8%d0%b4%d1%83%d0%b0%d0%bb%d1%8c%d0%bd%d1%8b%d0%b9_%d0%b8%d0%bb%d0%b8_pere_per_%d0%ba%d0%be%d0%bb%d0%bb%d0%b5%d0%ba%d1%82%d0%b8%d0%b2%d0%bd%d1%8b%d0%b9\" >Converting PEE to PER (individual) or PERE (PER collective)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/rouzade.com\/en\/kollektivnyj-plan-sberezhenij-pee\/#pee_%d0%bf%d1%80%d0%b5%d0%b8%d0%bc%d1%83%d1%89%d0%b5%d1%81%d1%82%d0%b2%d0%b0_%d0%b8_%d0%bd%d0%b5%d0%b4%d0%be%d1%81%d1%82%d0%b0%d1%82%d0%ba%d0%b8\" >PEE advantages and disadvantages<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"%d0%9f%d0%be%d1%82%d0%be%d0%bb%d0%be%d0%ba_pee\"><\/span>Ceiling PEE<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>You cannot contribute more than 25% (Salaire annuel brut per\u00e7u) of your annual gross income to PEE.<\/p>\n<p>In the case of a company contribution, it is limited to three times the amount paid by the employee and is limited by agreement to not exceed 8% of PASS (annual social security ceiling). For 2021 it cannot exceed 3290.80 euros.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-2129\" src=\"https:\/\/rouzade.com\/wp-content\/uploads\/2021\/12\/photo_2021-12-24_14-59-56-2.jpg\" alt=\"\" width=\"940\" height=\"788\" srcset=\"https:\/\/rouzade.com\/wp-content\/uploads\/2021\/12\/photo_2021-12-24_14-59-56-2.jpg 940w, https:\/\/rouzade.com\/wp-content\/uploads\/2021\/12\/photo_2021-12-24_14-59-56-2-300x251.jpg 300w, https:\/\/rouzade.com\/wp-content\/uploads\/2021\/12\/photo_2021-12-24_14-59-56-2-768x644.jpg 768w, https:\/\/rouzade.com\/wp-content\/uploads\/2021\/12\/photo_2021-12-24_14-59-56-2-696x583.jpg 696w, https:\/\/rouzade.com\/wp-content\/uploads\/2021\/12\/photo_2021-12-24_14-59-56-2-501x420.jpg 501w\" sizes=\"auto, (max-width: 940px) 100vw, 940px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"%d0%98%d0%bd%d1%84%d0%be%d1%80%d0%bc%d0%b0%d1%86%d0%b8%d1%8f_%d0%be_%d0%b1%d0%b5%d0%bd%d0%b5%d1%84%d0%b8%d1%86%d0%b8%d0%b0%d1%80%d0%b0%d1%85\"><\/span>Beneficiary Information<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Each PEE beneficiary receives an annual situation report, including:<\/p>\n<ul>\n<li>Identification of the company and beneficiary.<\/li>\n<li>The total amount of assets credited to the recipient&#039;s account, as assessed as of December 31 of the previous year.<\/li>\n<li>The number of assets by management, indicating the dates of availability, as well as the management methods that are defaulted in the plan provisions or selected by the beneficiary.<\/li>\n<li>A summary of amounts contributed to the plan during the past year, broken down by payment type, and amounts withdrawn from the plan during the same period, highlighting amounts received in the event of early release.<\/li>\n<li>A summary of expenses incurred by the employee during the last year under the provisions of the plan.<\/li>\n<li>The annual account statement may also include a statement of the costs incurred by the company for maintaining the securities account. This reference is mandatory when this support is terminated in the event of leaving the company, and the cost of maintaining the escrow account is recovered by deduction from the assets of the beneficiary.<\/li>\n<\/ul>\n<p>The annual account statement is provided to the recipient within 3 months from December 31 of the previous year. Unless the beneficiary objects, this annual return may be filed electronically under conditions that ensure data integrity.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%d0%9a%d0%b0%d0%ba_%d1%80%d0%b0%d0%b1%d0%be%d1%82%d0%b0%d0%b5%d1%82_pee\"><\/span>How does PEE work?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A company&#039;s savings plan can be financed in several ways:<\/p>\n<ul>\n<li>the investor can make voluntary payments,<\/li>\n<li>assign to him his participation or share in the profits,<\/li>\n<li>or even free promotions.<\/li>\n<\/ul>\n<p>PEE cannot be financed by securities previously purchased by its holder. However, the irregular transfer of securities does not call into question the tax treatment applicable to PEE for securities acquired under the legal regime.<\/p>\n<p>The frequency of payments is free, only the annual amount of payments is limited.<\/p>\n<p>PEE rules may require a minimum annual payment for an investment vehicle. This amount cannot exceed 160 \u20ac.<\/p>\n<p>Due to the prohibition of any kind of discrimination, each employee must have the opportunity to choose between all offered options of available investment instruments, if there are several of them. Therefore, it is impossible to provide different placement formulas for different categories of employees.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-2130\" src=\"https:\/\/rouzade.com\/wp-content\/uploads\/2021\/12\/photo_2021-12-24_14-59-56.jpg\" alt=\"\" width=\"940\" height=\"788\" srcset=\"https:\/\/rouzade.com\/wp-content\/uploads\/2021\/12\/photo_2021-12-24_14-59-56.jpg 940w, https:\/\/rouzade.com\/wp-content\/uploads\/2021\/12\/photo_2021-12-24_14-59-56-300x251.jpg 300w, https:\/\/rouzade.com\/wp-content\/uploads\/2021\/12\/photo_2021-12-24_14-59-56-768x644.jpg 768w, https:\/\/rouzade.com\/wp-content\/uploads\/2021\/12\/photo_2021-12-24_14-59-56-696x583.jpg 696w, https:\/\/rouzade.com\/wp-content\/uploads\/2021\/12\/photo_2021-12-24_14-59-56-501x420.jpg 501w\" sizes=\"auto, (max-width: 940px) 100vw, 940px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"%d0%9a%d0%b0%d0%ba_%d0%b2%d0%b5%d1%80%d0%bd%d1%83%d1%82%d1%8c_%d0%b2%d0%bb%d0%be%d0%b6%d0%b5%d0%bd%d0%b8%d1%8f_%d0%b2_pee\"><\/span>How to return investments in PEE?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>PEE is issued for a period of at least 5 years. Longer terms may be established by the Plan rules.<\/p>\n<p>Beneficiaries can retain their assets after the PEE lock-in period or even after leaving the company in case of termination, voluntary resignation and retirement or early retirement.<\/p>\n<p>In certain situations, they may also withdraw funds early.<\/p>\n<p>Profits from PEE realized at the end of the Plan subject to the minimum lock-in period are exempt from income tax and are subject to social security contributions.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%d0%94%d0%be%d1%81%d1%80%d0%be%d1%87%d0%bd%d0%be%d0%b5_%d0%be%d1%81%d0%b2%d0%be%d0%b1%d0%be%d0%b6%d0%b4%d0%b5%d0%bd%d0%b8%d0%b5_%d0%b8_%d1%83%d1%85%d0%be%d0%b4_%d0%b8%d0%b7_%d0%ba%d0%be%d0%bc%d0%bf%d0%b0%d0%bd%d0%b8%d0%b8\"><\/span>Early release and leaving the company<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Amounts from PEE or PEI are typically locked in for 5 years. As part of Perco, they are locked in until retirement.<\/p>\n<p>In some limited cases, an employee may be able to request early release of amounts without losing the social and tax benefits associated with the system.<\/p>\n<p>These cases of authorized early release include, but are not limited to:<\/p>\n<ul>\n<li>beneficiary&#039;s marriage or PACS;<\/li>\n<li>disability category 2-3 of the beneficiary, spouse or children;<\/li>\n<li>death of the beneficiary or his spouse;<\/li>\n<li>birth or adoption of a 3rd child;<\/li>\n<li>termination of an employment contract, forced retirement;<\/li>\n<li>creation or acquisition of a business;<\/li>\n<li>acquisition, renovation due to natural disaster, or expansion of a primary residence;<\/li>\n<li>victim of domestic violence (from June 6, 2020);<\/li>\n<li>over-indebtedness situation.<\/li>\n<\/ul>\n<p>Perco has its own characteristics. Cases of early release include, for example:<\/p>\n<ul>\n<li>death of the employee, his or her spouse, or a person associated with the employee through the PACS system;<\/li>\n<li>expiration of the right to unemployment benefits;<\/li>\n<li>acquisition of a primary residence or restoration of a damaged primary residence following a disaster recognized by an interdepartmental resolution.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"%d0%92%d0%b0%d1%88%d0%b8_%d0%bf%d1%80%d0%b0%d0%b2%d0%b0_%d0%bd%d0%b0_%d1%81%d0%bb%d1%83%d1%87%d0%b0%d0%b9_%d1%83%d1%85%d0%be%d0%b4%d0%b0_%d0%b8%d0%b7_%d0%ba%d0%be%d0%bc%d0%bf%d0%b0%d0%bd%d0%b8%d0%b8\"><\/span>Your rights if you leave the company<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>When leaving the company (dismissal, end of a fixed-term contract, etc.), the employee has the rights (except for Perco):<\/p>\n<ul>\n<li>require early withdrawal of funds;<\/li>\n<li>transfer your rights to a new employer;<\/li>\n<li>leave the funds in the company he leaves. They will be sent to him by the employer at the end of the blocking period.<\/li>\n<\/ul>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-2131\" src=\"https:\/\/rouzade.com\/wp-content\/uploads\/2021\/12\/photo_2021-12-24_14-59-57.jpg\" alt=\"\" width=\"940\" height=\"788\" srcset=\"https:\/\/rouzade.com\/wp-content\/uploads\/2021\/12\/photo_2021-12-24_14-59-57.jpg 940w, https:\/\/rouzade.com\/wp-content\/uploads\/2021\/12\/photo_2021-12-24_14-59-57-300x251.jpg 300w, https:\/\/rouzade.com\/wp-content\/uploads\/2021\/12\/photo_2021-12-24_14-59-57-768x644.jpg 768w, https:\/\/rouzade.com\/wp-content\/uploads\/2021\/12\/photo_2021-12-24_14-59-57-696x583.jpg 696w, https:\/\/rouzade.com\/wp-content\/uploads\/2021\/12\/photo_2021-12-24_14-59-57-501x420.jpg 501w\" sizes=\"auto, (max-width: 940px) 100vw, 940px\" \/><\/p>\n<p>The employer must provide the employee who leaves the company with a summary of all amounts and securities retained or transferred to the company under employee savings schemes.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"pee_%d0%b2_%d1%81%d0%bb%d1%83%d1%87%d0%b0%d0%b5_%d1%81%d0%bc%d0%b5%d1%80%d1%82%d0%b8_%d0%b2%d0%bb%d0%b0%d0%b4%d0%b5%d0%bb%d1%8c%d1%86%d0%b0\"><\/span>PEE in case of owner&#039;s death<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>On the death of the holder, the PEE or PERCO goes into the estate and becomes available to the heirs after 6 months.<\/p>\n<p>If heirs have not claimed PEE or PERCO, the account becomes inactive one year after the date of death unless any heir has notified the trustee of their desire to repay the savings.<\/p>\n<p>After three years of inactivity, the savings from the plan are transferred to the Caisse des D\u00e9p\u00f4ts et Consignations. Beneficiaries have 27 years to claim the amount from the Caisse des D\u00e9p\u00f4ts et Consignations. Otherwise, they are finally acquired by the state.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%d0%9f%d0%b5%d1%80%d0%b5%d0%b2%d0%be%d0%b4_pee_%d0%bd%d0%b0_per_%d0%b8%d0%bd%d0%b4%d0%b8%d0%b2%d0%b8%d0%b4%d1%83%d0%b0%d0%bb%d1%8c%d0%bd%d1%8b%d0%b9_%d0%b8%d0%bb%d0%b8_pere_per_%d0%ba%d0%be%d0%bb%d0%bb%d0%b5%d0%ba%d1%82%d0%b8%d0%b2%d0%bd%d1%8b%d0%b9\"><\/span>Converting PEE to PER (individual) or PERE (PER collective)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>In the current state, it is not possible to make a savings transfer from PEE to an individual PER or a new company PERE: a transfer seems only possible from a PEE to a new company PEE or a new business PERCO.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"pee_%d0%bf%d1%80%d0%b5%d0%b8%d0%bc%d1%83%d1%89%d0%b5%d1%81%d1%82%d0%b2%d0%b0_%d0%b8_%d0%bd%d0%b5%d0%b4%d0%be%d1%81%d1%82%d0%b0%d1%82%d0%ba%d0%b8\"><\/span>PEE advantages and disadvantages<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The PEE savings plan allows employee and manager beneficiaries to build financial savings under favorable tax and social conditions. For the employee, the contribution, if it exists, represents an interesting assistance from the employer in increasing his capital.<\/p>\n<p>In exchange for tax and social benefits, PEE has the disadvantage of locking the amounts invested into it for a period of 5 years. However, there are quite a few cases of early release (10 in total) but they remain limited.<\/p>\n<p>Finally, PEE is a portfolio of securities. The plan beneficiary must choose between several financial investment vehicles. Some are risky and may result in capital losses because they invest in the stock market. Therefore, it is important to monitor your investments in PEE and conduct arbitrage, which is not always easy without the help of professionals.<\/p>\n<p>Sources:<\/p>\n<p><a href=\"https:\/\/fidnet.fidroit.fr\/document\/38062\">https:\/\/fidnet.fidroit.fr\/document\/38062<\/a><\/p>\n<p><a href=\"https:\/\/www.previssima.fr\/question-pratique\/quest-ce-quun-pee-et-comment-fonctionne-til.html\">https:\/\/www.previssima.fr\/question-pratique\/quest-ce-quun-pee-et-comment-fonctionne-til.html<\/a><\/p>\n<p><a href=\"https:\/\/www.urssaf.fr\/portail\/home\/employeur\/calculer-les-cotisations\/les-elements-a-prendre-en-compte\/lepargne-salariale\/les-plans-depargne\/le-deblocage-anticipe-et-le-depa.html\">https:\/\/www.urssaf.fr\/portail\/home\/employeur\/calculer-les-cotisations\/les-elements-a-prendre-en-compte\/lepargne-salariale\/les-plans-depargne\/le-deblocage-anticipe-et-le-depa.html<\/a><\/p>\n<p>https:\/\/www.la-retraite-en-clair.fr\/preparer-financierement-retraite\/essentiel-solutions-epargne-retraite\/perp-perco-devient-epargne-retraite-salariale-cas-deces<\/p>","protected":false},"excerpt":{"rendered":"<p>In this article, you will learn all the details about the collective savings plan (PEE), which is a savings system created by a collective agreement or an employer decision.<\/p>","protected":false},"author":1,"featured_media":2128,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"categories":[6],"tags":[322,366],"class_list":{"0":"post-2108","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-blog","8":"tag-pensija","9":"tag-finance"},"acf":[],"yoast_head":"<title>\u041f\u043e\u0434\u0440\u043e\u0431\u043d\u0430\u044f \u0438\u043d\u0444\u043e\u0440\u043c\u0430\u0446\u0438\u044f \u043e \u043a\u043e\u043b\u043b\u0435\u043a\u0442\u0438\u0432\u043d\u043e\u043c \u043f\u043b\u0430\u043d\u0435 \u0441\u0431\u0435\u0440\u0435\u0436\u0435\u043d\u0438\u0439 PEE<\/title>\n<meta name=\"description\" content=\"\u0423\u0437\u043d\u0430\u0439\u0442\u0435, \u0447\u0442\u043e \u0442\u0430\u043a\u043e\u0435 PEE \u0438 \u043a\u0430\u043a \u0440\u0430\u0431\u043e\u0442\u0430\u0435\u0442. 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