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beneficiary contracts Collective

Please kindly find below two matrices for operational use for a quick reading of amendments to the earlier doctrine of the circular DSS/5B/2009/32 January 30, 2009, and this on the nature
collective and exceptions to a mandatory supplementary pension scheme and supplementary retirement. Attention
companies will be drawn to the restrictions imposed by the new circular
which may, where appropriate, entail the need to change their regime put in place before
January 30, 2009, date of publication of the circular, being
reminded that businesses have until 31 December 2009 to adjust their diet to these new elements
.
If the scheme was established by unilateral decision, remember that its
change requires compliance with three cumulative conditions:
• Information and consultation of employee representative bodies,
• Individual information of the employees concerned,
• Observance of a sufficient period of thoughtfulness (3 months)

Consult the various tables here

Alexander HAMALAINEN

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The Finance Act 2010.

Focused mainly on the creation of a carbon tax and the elimination of business tax, parliamentary debates on the Finance Act 2010 eventually led to partial alterations of pre-existing tax measures:

Firstly, the amount of global cap on tax shelters is now 20 000 and 8% of taxable income.
Then, the rate of tax reduction plan Scellier is maintained at 25% in 2010 and will be gradually decreased until 2012 with the possibility to be increased in accordance with the label goods Building Low Consumption (BBC).
Finally, parliamentarians have relaxed the rules relating to investment in residential tourism in rural revitalization zone to reflect the failure of operators. In terms
taxation of capital gains made beaver securities, social security contributions are not only due in case of exceeding the annual sale (€ 25,380 in 2009) but now from the first euro. Ditto for the benefit of retirement subject to tax on income which previously were from 3050 €. Life Insurance
side, since 1 January 2010, when settlement of a life insurance policy in units of counts per death, the accumulated income are now subject to payroll taxes at rates of 12.1%, regardless the date of signing the contract. Finally

relatively little change, but one observation, make the most of 2010 to conduct investment transactions with a reduced maximum tax rate of credit and attractive.

Erwin MARZOLF

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How to prepare for retirement?

Since the various reforms of 1993 and 2003 (Act Fillon ), the replacement rate (ratio between the pension and the last wage earner received) rose to the basic pension paid by Social Security pension of 50% to 43% or an amount annual pension of between € 14,886 to € 17,310 maximum in 2010.
In addition, pension calculation is now performed on best 25 years ago against 10 and term premium increases from 160 to 164 quarters for those born after 1952.
other words, by increasing the contribution period and the number of base years, the amount paid by Social Security Old Age significantly decreased .
To improve the amount of your pension, there are many solutions:


For companies, devices granted exemptions from social charges and taxes allow officers to grant themselves and their employees a benefit at lower cost.
These include funded pension (Article 83 CGI, CGI Article 39, Law Madelin ) and employee savings (profit-sharing, PEE , PERCO ) .

For individuals, each individual has an annual fiscal budget to contribute to a funded pension system, the PERP while deducting its net taxable income on amount invested each year.
The tax savings thus generated can be really substantial.


For know the available annual tax, just refer to the tax notice showing the amount accumulated since 2004, when the creation of PERP.

If you wish to benefit from our expertise in all these areas, click here .

Maxime Jaskowiak- MAILLY

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Insurance Personal Loan: borrow unstoppable!

long time, banks will recommend their clients to ensure in case of death and disability benefits to finance loans.
Today, borrowers are using the group insurance offered by banks, but increasingly, the assurance of personal loan, also known as delegation of insurance, made its way and now begins to prevail in The most loans funded. The delegation
insurance makes it more attractive in terms of funding because it allows everyone to ensure their profile according his age, his occupational status, its ability to smoking and its health.
addition, most insurance loan guarantees on individual adapt the outstanding capital and promoting the reduction of dues in time.
In contrast, the contracts offered by banks will not allow you this flexibility because the calculation of the contribution is based on the initial capital and does not change Please until the end of the loan.
In combining a delegation to the characteristics of insurance funding, you're sure to save money and get a customized insurance solution.


If you require additional information, click here .

Christophe MARTIN