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Understanding my Employee & Retirement Savings 3 GOOD REASONS TO SAVE

The attractive tax system • You are exempt from tax on income on the profit sharing

and collective bonus invested, and on any capital gains at term. • You have legal cases of early withdrawals release without loss

of acquired exemptions.

The low costs • Your company pays the cost of maintaining your account

and the entry fee on your payments. • Compared with life insurance (account fees, custody fees,

admission fees), you save at a lower cost.

The matching contribution • Your company offers a matching contribution of 10% of the amount

corresponding of your untaken days.

For example : • 2 untaken days = 100 € • Matching contribution 10% x 100€ = 10€ • Total invested = 110€.

RETIREMENT SAVINGS The PERECO (Collective Company Retirement Savings Plan) is a plan for your retirement.

• No commitment to pay. • Effortlessly by saving your company bonuses or your untaken days. • And always several vehicles for your investment.

(1) Assumption of net annual revaluation of 2 %.

« €50 per month from 24 years to 64 years

is close of €36,000 of capital to go to the retirement (1) »

The + of esalia.com to anticipate your retirement A retirement projection tool for: • Estimate your future retirement. • Define the amount to save to improve it.