The new retirement savings plan is intended to be a unique product centralizing all its retirement savings. Stay that must be attentive to certain points before transferring its old envelopes.
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Since its creation two years ago, the retirement savings plan replaces all former devices, whether individual (Perp, Madelin) or collectives (Perco or “Article 83”). There is no longer possible to subscribe to them.
On the other hand, we can keep them and even continue to abound them. With an exception: the financial institution that manages the contract may, in some cases, decide to transform its product by per, simpler than to have several envelopes to be managed simultaneously with separate rules. “Direct conversion can be considered if the proposed safeguards are aligned with the interests of the customer, says Sophie Vannier, Director of the Social Protection Market for Professionals and Small Businesses at Generali France. It may, however, refuse this type of endorsement and, in this case, transfer his contract to another body. “
If it does not do it, the investor must ask the question of gathering by himself all of his assets on a single contract. This solution has the merit of simplicity. It makes it possible to have a better vision of its capital and therefore to better place them. By transferring its outstanding amounts to a latest generation product, it also provides access to a richer and even financial offer, in some cases, pay lower fees.
Finally, and it is a weight argument, the amounts transferred on a per benefit from the capital output permitted by the envelope. “Today the customer has the choice, says Sophie Vannier. Until then, apart from the PERP that allowed to recover 20% in capital, all the outputs of the individual devices were in annuity.”
Centralize his outstandings on a perme seems to win all the votes. “Intuitively, it seems a good idea to gather everything, but it can however be practical to keep two or three distinct envelopes, judges for its share Odile Ezerzer, of the Macif. This allows to have a contract to exit in annuity and a Other to recover capital for example. “It may also be an opportunity to select contracts with different assets.
In addition, for each held envelope, a detailed comparison of the advantages and disadvantages related to this change must be made. “Legislation requires each distributor to present the characteristics of the elders and new contracts to help the saver to understand the involvement of the transfer,” says Joël Dufresnoy, Marketing Manager of the Savings and Retirement at AG2R World.
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