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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