It's a nice surprise that can turn into a puzzle. Every year, in May, the more than 10 million employees who have access to an employee savings scheme will receive a profit-sharing or participation bonus. If the performance of their company allows it, of course. According to the latest statistics available from the Ministry of Labour, the amount of these premiums reached, on average, 2,440 euros gross per employee in 2020 in companies with more than 10 employees. The envelopes can therefore be substantial and it is necessary to ask the right questions to enjoy them intelligently.
Because the announcement of the amount of the bonus is accompanied by a notice offering the employee several options: immediately receive the amount to spend it or block the funds on a company savings plan (PEE) or retirement (PER). A choice that can be a real dilemma, especially since it must be made within 15 days. Tax exemptions, possibility to benefit from an additional payment from your employer, personal projects... Several parameters must be taken into account. We help you see more clearly and make the right decision according to your situation.
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