The French want to better prepare for their future retirement.
The Retirement Savings Plan (PER), integrated into the Pacte law, helps them to anticipate this deadline.
Indeed, it makes it possible to build up additional income, in addition to the compulsory plans, and replaces other products (in particular Perp, Perco, Madelin, Préfon) by facilitating transfers from one to the other.
Experts at your side
To support members and help them make the best decisions, Macif's experts take into account each person's specificities: professional situation, family environment, etc. With this global approach, they provide tailor-made advice and deliver a clear vision of the business. state of their finances.
With the online simulator of the Macif.fr site, savers estimate in a few clicks the amount of their future retirement and identify the amounts to save to supplement their future income.
The mutual company wants to be a provider of concrete solutions for its members.
"My retirement plan" from Macif
Offered in partnership with INTER MUTUELLES ASSISTANCE -
SERVICES, "My retirement plan" allows savers to benefit from personalized monitoring.
An expert provides real support and analyzes their situation in order to guide and advise them better: health, living environment, situation of relatives, administrative procedures, etc. All questions can be addressed.
Macif's “Multi Horizon Retirement” PER is available from € 150 upon opening (then € 50 per month in free or scheduled installments).
The entry, management and arbitration fees are among the lowest on the market, and the minimum guarantee in the event of death is included in the contract and provides for the payment of a capital to compensate for any loss in value (in the limit of € 100,000 **).
This contract was rewarded by the specialized press as one of the most effective solutions for preparing for retirement (Premium selection PER individual 2020-2021 by Good Value for Money ***…).
Key tax advantages
The PER allows you to benefit from a tax reduction on membership and payments.
Under certain conditions, the payments are deductible from income tax up to 10% of the income of the past year.
* Survey carried out in October 2020, among 2,000 working French people, at the request of Agirc-Arrco.
** Under the conditions and limits defined in the contract.
*** Good Value for Money, selection awarded according to a grid
of around fifty rating criteria.
My retirement plan is a service offered by IMA - INTER MUTUELLES ASSISTANCE - SERVICES (IMA SERVICES), SAS with a capital of € 3,553,329.
Registered office: 118 avenue de Paris - CS 40000 - 79033 Niort cedex 9, registered in the Niort Trade and Companies Register under number 430 336 552.
Multi Horizon Retraite includes unit-
linked vehicles
on which there is a risk of capital loss borne by the saver.
Multi Horizon Retraite is a multi-support life insurance retirement savings contract taken out by Ageper, insured by Mutavie and distributed by Macif.
AGEPER - Association for the management of retirement savings (association law 1901) - 9 rue des Iris - CS 50,000 - 79,000 Bessines.
MUTAVIE SE - European company with a Management Board and a Supervisory Board.
Company regulated by the Insurance Code.
Capital 46,200,000 €.
RCS B 315 652 263.
Registered office: 9 rue des Iris - CS 50000 - Bessines - 79088 Niort Cedex 9.
MACIF - MUTUAL INSURANCE FOR TRADERS AND INDUSTRIALS IN FRANCE AND EXECUTIVES AND EMPLOYEES IN INDUSTRY AND COMMERCE.
Mutual insurance company with variable contributions.
Company regulated by the Insurance Code.
Registered office: 2 and 4 rue de Pied-de-Fond - 79000 Niort.