{"id":2109,"date":"2021-12-28T09:00:03","date_gmt":"2021-12-28T09:00:03","guid":{"rendered":"https:\/\/rouzade.com\/?p=2109"},"modified":"2024-05-06T11:37:47","modified_gmt":"2024-05-06T09:37:47","slug":"kollektivnyj-pensionnyj-plan-sberezhenij-perco","status":"publish","type":"post","link":"https:\/\/rouzade.com\/en\/kollektivnyj-pensionnyj-plan-sberezhenij-perco\/","title":{"rendered":"PERCO collective pension savings plan"},"content":{"rendered":"

A collective pension savings plan (PERCO) is a savings system created by a collective agreement or employer decision. It allows employees to save for retirement with the help of their company.<\/p>\n

From October 1, 2020, opening PERCO is impossible<\/p><\/blockquote>\n

In 2019, the PACTE Act created three new retirement savings plans: individual PER (PERIN), collective PER (PERECO), and mandatory PER (PERO). They coexist with older pension systems (PERCO, Madelin, Article 83, PERP, etc.).<\/p>\n

However, payments under old pension contracts remain possible; they can also be converted or transferred to new PERs.<\/p>\n

PERCOs opened before October 1, 2020 remain and may accept new members after that date or may be transferred to PERE.<\/p>\n

PERCO or PERCOL?<\/strong><\/p>\n

PERCO may take the form of a collective pension plan within the company (PERCOI), which was also closed for sale on October 1, 2020. PERCOI is a multi-company retirement savings plan.<\/p>\n

PERCO or PEE?<\/strong><\/p>\n

Under the same rules as PEE, PERCO offers the same benefits (social and tax benefits for members and companies).<\/p>\n

However, PERCO is a retirement savings product, unlike a Company Savings Plan (PEE), which is a medium-term investment for 5 years<\/p>\n

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