retirement savings It is only open to merchants, craftsmen, professionals, employees and their spouses and leaders not only to employees.
To counter the decline in revenues
during the transition to retirement, it is best to prepare for retirement
. There are different materials that give future retirees the opportunity to
as additional income regular and guaranteed. All have a tax advantage
to entry. However it is interesting especially for those heavily taxed. The accumulated savings is not available during your working life. Better to take the time to think before choosing one of these materials. You can also watch the life insurance for retirement savings.
The Perp for everyone!
Unlike
regime Préfon and
contracts Madelin, one is accessible to all future retirees.
Pension reform provides a partial exit of capital at the time of retirement, 20% of the commuted value of the contract. It is very beneficial for those highly taxed.
His most :
- It is possible to stop its payments at any time or stop them permanently;
- Payments that are put on the PERP are deductible up to 10% of our income in the previous year, with a minimum of 3,462 euros and a maximum of 27,696 euros in 2010;
His least:
- with the exception of PERP in points, there are very few. The amount of the annuity is not guaranteed because the rate of conversion of capital into an annuity will be determined from the mortality tables in effect at the time of your retirement.
The Préfon: for public sector employees
In principle, it is reserved for state officials, a local authority or public hospital as well as their spouses and partners PACS. regime Préfon is actually open to everyone. Just have worked at least once during his career with a public to be able to join even if at the moment, you are an employee or independent. This is a scheme by which your points Contributions are immediately converted to cash points, according to mortality tables in effect at the time of payment, these points are being permanently acquired each year.
A plus:
- you can just as PERP suspend your payments or contributions permanently stop;
- contributions are deductible from your taxable income in the same limits as for PERP but with the ability to deduct more than the cap payments corresponding to the purchase of your years prior to your membership (within two years redeemed per year in 2010, 2011 and 2012 if you are still in active public official)
His least:
- you do not have access to the financial management of your contract: your contributions are invested primarily in bonds This has long term is normally less profitable than media action.
regime Madelin: for independent
Madelin The scheme covers two distinct types of media:
- retirement plans that offer optional the same advantages and disadvantages of the scheme
Préfon . It works by items proposed by the pension funds.
- retirement savings contracts sold by banks and insurers, which operate as contracts of life insurance but with an output compulsory annuity.
A plus:
- Madelin some contracts guarantee the rate of conversion of capital into an annuity when signing the contract, or when the payments, which is not the case Perp;
- if your income exceeds the maximum annual security social, the tax benefit is higher than that offered by a PERP , since your contributions are deductible up to 10% of the profits, plus 15% on the portion of earnings between 1 and 8 ceilings, or a maximum deduction of 64 047 eurosn 2010.
His least:
- It is compulsory to contribute each year, your contributions may however vary over a range from January to October
