Retirement Savings Plan (PER)
Retirement savings without compromise for all your active clients. An individual or collective PER in open architecture, built to let compound growth work over time.
Fees that change the outcome.
Over the long term, fees drive performance.
On a product like PER, fees do not simply add up: they compound over time and directly affect the final return.
With the same underlying assets and allocation, an optimized PER can generate up to 50% more performance through compounding alone.
Individual PER
A retirement solution designed for every profile.
Accessible to employees and self-employed clients alike, the individual PER adapts to different situations and objectives through its own tax advantages.
Free or scheduled contributions, annuity or capital exit: the full contract lifecycle remains easy to steer.
Collective PER
A strong retention lever for employers.
The collective PER is a powerful employee-retention tool, easy to deploy and compatible with existing company savings mechanisms.
Matching, profit sharing, incentive schemes: the solution absorbs operational complexity so teams can focus on advice.
Euro funds & unit-linked investments
Security and performance based on the chosen strategy.
Euro funds provide long-term capital stability with clear, predictable returns year after year.
Unit-linked investments, selected in open architecture, provide access to diversified assets with no retrocessions and no conflicts of interest.
Real-time control. Built-in protection.
An infrastructure designed to secure every operation and every capital base.
Managed in real time. End to end.
API and interface stay perfectly synchronized.
Every operation is executed, tracked, and visible in real time, without gray areas or delays. Subscriptions, switches, early withdrawals: your teams keep operational control and your clients keep full visibility.
Death floor guarantee.
Automatic. At no extra cost.
Our PER contracts include a death floor guarantee under the same conditions as our life-insurance products. If contract value falls below net contributions at the time of death, the guaranteed capital applies automatically with no extra step.
