Taxes: you should optimize your savings

Pour sa participation or incentive awards on a PEE or a Perco escape to the income tax.

If you have the chance to benefit from a company savings plan and/or a Perco, be aware that it is possible to défiscaliser some of the are from which to feed these media. Contrary to a notion still widely prevalent, these benefits do not accrue to the employees. If you are a merchant, craftsman, company manager of the head of a company of less than 250 employees or if you exercise a liberal profession, you can enjoy it in the same conditions. It is even possible to have your spouse or partner PACS, since it is a partner or collaborator.

Défiscaliser participation and incentive thanks to PEE

When you make voluntary payments on a company savings plan (PEE) or a savings plan for collective retirement (Perco), it only opens right to any particular advantage. But when you choose to pay all or part of your participation and/or incentive awards, this enables them to escape tax on the income, up to the full amount for the participation and 18 866€ for the incentive, whereas these amounts are taxed in the same conditions as your salary if you ask to see them immediately.

This "trick" makes you benefit from additional compensation that is not taxable. The tax saving that results is the same as the one you could get by making payments on a Perp, or any other media of savings with a tax advantage to the input. It is proportional to your marginal tax rate, that is to say, at the highest rate at which your income is taxed. The more you are taxed, and the more it is important. If you reach the slice marginally to 41%, 5 000€ of participation and/or incentive paid on your PEE, you will reduce your tax on the income of 2,050€ in the same conditions as the same amount of 5 000€ is paid on a Perp, but with a savings effort almost painless and without the need to leave these are locked in until your retirement, if you pour your PEE rather than your Perco.

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They will be blocked for 5 years only this time being credited with payments by installments - and not from the date of opening your plan. In addition, there are many cases of early release that allows to retrieve all or part of your savings along the way, without losing the benefit of tax exemption on the income you received at the entrance. These cases output is not limited to the unfortunate events of the life as a product-retirement savings. In particular, you can recover your savings in the case of marriage, civil union, birth of a third child, acquisition of the principal residence, business creation, including when it comes to helping your children to settle, breach of employment contract (dismissal, resignation, departure or retirement, end of temporary work contracts ... ).

Note that if you leave your company in the beginning of the year prior to the payment of the acquired rights under the participation and/or incentive of the previous year, nothing prevents you to pay these sums on your PEE, after your departure regardless of the reason, if you had not terminated your plan, by the time you are away. This operation allows you to défiscaliser. You will be able to recover it immediately then, by invoking the breach of your contract of employment. Last interest of the ISP : the products and realized capital gains within the plan are tax-exempt. Only the social contributions - to the current rate of 17.2 %-will be due when you collect your savings.

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Use the gateway between THIS and Perco

Another way to défiscaliser with the salary savings : transfer gradually as you approach retirement the accumulated days on your savings account time, to the Perco if you know already that you do not use to leave early in retirement. This transfer is possible, even if the rules of your Perco is not provided for - within the limit of 10 days per year. Interest : once retired, you may be able to recover the cash equivalent, tax free. Whereas if you ask the monetization of your THAT when you retire, the money will be taxable.