Retirement savings: new to October 1, 2019

In detail, 2 new company retirement savings products are being developed:

• a collective company pension savings plan for all employees to replace Group Retirement Savings Plans (Perco) ;
• a company pension savings plan reserved for certain categories of employees, it will take over from the existing contracts known as “article 83” (generally concerning executives and managers).

In addition, a 3^e individual savings products, on the other hand, will be marketed in the form of a securities account or an insurance contract, the purpose of this new product being to succeed the current contracts People's Retirement Savings Plans (Perp) and Madelin (liberal professions).

These savings devices that are launched from 1^er October 2019 will also give savers who currently have a retirement savings product (Perp, “Madelin”, Perco, Préfon, “article 83”...) the opportunity to transfer their savings to these new products. It will also be possible to carry out a collective transformation of the old products, within the framework of the company or within the framework of the subscribing associations.