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"In good faith many people consider retirement, it's the Perco," laments Jean-François Lequoy, General delegate of the French Federation of insurance companies (FFSA). It must be said that the name of the product, whose acronym means "Collective Retirement Plan", can be confusing. This misunderstanding is even distilled to the banks of the National Assembly.
UMP members have indeed provided, via a series of amendments to the draft law on pensions which will be Boston Bruins ticket debated on September 7, several measures to promote the development of the Perco. Including by offering half of participation paid by companies feeds it by default ("Les Echos" of July 22).
The problem, singled out by the FFSA, is that retirement savings system, Boston Bruins inherited from Act Fillon on Toronto Maple Leafs tickets August 21, 2003, is based in practice on several pillars, to individual or collective membership (see table below). "Perco, is very good, but this cannot be the whole of the retirement savings," says Jean-François Lequoy, while acknowledging that "the landscape tickets for Boston Bruins is far from simple, and even totally scrambled for the layperson". PERP, Perco, PERE, Madelin, article 83, article 39 names are barbaric, and New York Rangers amounts tickets for New York Rangers in Boston Bruins tickets sum still relatively modest. The pension that sell the insurers represented in 2009 a turnover of 12 billion euros and 123 billion of outstanding (including 41 billion for individuals and 83 billion for the New York Rangers ticket companies). "It is less than 10 of the stock of tickets for Toronto Maple Leafs life", says the FFSA. As the Perco, it would cover 557.000 persons for an outstanding estimated at EUR 3 billion. Only 3 to 4 companies have put in place.
For businesses, there are currently two families of collective retirement savings contracts: contracts which fall under the Code of insurance and are therefore subject to a battery of prudential rules (article 39 and article 83 mainly), and the Perco.
The contracts "article 39", also called regimes "defined benefit", used to pay an annuity, the calculation mode is fixed Toronto Maple Leafs at the beginning of the contract, by reference to the last salary of activity. They are not good news. "Article 39 is erroneously equated to retirement hat, benefiting a small Toronto Maple Leafs ticket number of senior executives." "In reality, these corporate defined benefit plans are 1.5 to 2 million employees, and the annual average pension is less than EUR 5.000,00", explains Jean-François Lequoy.
So-called contracts "article 83", also called plans "contribution set", represent the bulk of the outstanding (37 billion). "These contracts are in the majority of the time invested in euros, the risk is then fully held by the insurer, and investor has New York Rangers tickets the guarantee of never suffer loss in capital", explains the FFSA.
"Perco, offers a degree of flexibility, a benefits", admits Jean-François Lequoy, citing more anticipated outcome opportunities, and a possible output in capital and in rent. But it does not meet all the requirements (it must be paid), and the amounts paid on a Perco are invested directly into a UCITS. The employee is then only financial risk, and therefore exposed to the fluctuations of the markets. "To make attractive retirement savings, and develop a capitalization French, avoid absolutely only emphasize the Perco, which does not provide a total security", argues the FFSA. Not without adding that this security, "this is not the insurers who want to, but the insured".
