How to maximize your company's help

LabundanceinWage savingsis a real lever to strengthen your savings, often little known or misunderstood by employees. Thanks to the digitalisation of the devices, it becomes easier to take advantage of this financial boost of the company, while benefiting from attractive taxation and ceilings that adjust. Using practical tools and tailored advice allows you to better grasp the opportunities, to take control of its finances with serenity on a daily basis.

What is abundantly?

Abundantly, it's like the « cherry on cake » saving. In practice, this is an additional amount that your employer makes to your payments on a business savings plan (PEE, PERCO, PERCOL). The amount added by the company offers a chance to increase its capital without further effort.

Imagine: with every euro placed in wage savings, the employer can supplement up to three euros (i.e.300 %your payment), within the limits provided. In the end, your savings can progress relatively faster than a simple personal investment. Some professionals recall that aboundingly creates a real difference with a classic bonus, which, in turn, is subject to the usual taxation and does not benefit from the same generosity.

Abundantly intervenes on voluntary payments, interest or participation, according to the rules laid down in the enterprise. This scheme is reserved for employees whose wage savings and a specific agreement exist in the organisation.

An investigation from 2023 indicates thatnearly 115 000 French companiesuse this mechanism, thus benefiting3.9 million savers. It should be noted that abundance is no longer restricted only to large companies, contrary to some accepted ideas.

How does abundance of wage savings work?

Abundantly acts as an accelerator to value what you save. Depending on the company, the organization and modalities may vary, but the foundation remains the same: the more you place (always within the limits), the more your employer completes this amount.

In practice, this mechanism is accessible via several devices such as the EEP (Business Savings Plan), PERCO (Saving Plan for Collective Retirement) or PERCOL. Generally, the plan is based on interest, participation or personal payments. A wage manager recently explained that this flexibility facilitates employee involvement, regardless of their profiles.

At each deposit, it is still necessary to wait a few weeks before, to see abundantly recorded on the plan. Small illustration: by pouring1 000 €and with an abundance of100 %The company adds the same amount. The leverage effect immediately doubles your effort! Abundantly completes your plan and does not replace the main remuneration. Some users say they were pleasantly surprised by the speed of valorisation, especially during the first major payment. Who would not like to see his approach rewarded?

What are the ceilings for abundance?

Not to exceed the planned milestones, this is ultimately what really optimizes the approach. Abundance cannot be allocated without restriction: statutory ceilings, adjusted annually, apply to each device.

• ThePEEadmits a maximum of8% of PASSeither3 519 €For 2023
• ThePERCO or PERCOLgoes up to16% of PASSeither7 039 €
• For each payment, the limit is up to300 %the amount placed (e.g.:1 000 €authorizes until3 000 €abundantly, within the ceilings mentioned)

The company may also impose its own ceiling per employee, or limit the number of eligible movements in the year. Some experts recall the importance of consulting the internal regulations to avoid bad surprises.

It is not uncommon to be able to combine several ceilings if the personal situation and the devices allow. Sometimes this cumulation reaches up to24% of PASSeitheraround 10 500 €on several investments in 2023. Proof that well-tooled, aboundingly opens the way for serious complementary savings... Some employee testimonies report that this combination has led to the anticipation of important projects more calmly (purchase of real estate, preparation for retirement, etc.).

What are the tax advantages of abundance?

Impossible not to mention taxation here: it is, in the opinion of many managers, a key point too often ignored by employees. In contrast to a premium subject to income tax, there is a great deal of freedom from income tax and social contributions (excluding CSG/CRDS) as long as it complies with the rules in force. The result: what you perceive is almost the sameNet, an asset rarely matched.

An example to illustrate – in case the company pays1 400 €In practice, the employee benefits a great deal from681,65 €net once social contributions are made. This is a real difference from a premium of the same amount. This reality is confirmed by several managers interviewed in 2022, who find that this supplement can sometimes change the dynamics of a project, either to prepare a retirement or to finance a substantial purchase.

To optimize your earnings, it is crucial to understand thePEE taxation after 5 years: what you need to know to optimize your exitand the benefits it offers in the long term.

To better understand how to optimize your salary savings, discover our guide toAccess My Account at www.amundi-ee.com: clear and secure guide.

• No taxation at the outset on abounded capital
• Tax reduced at exit, depending on the chosen plan (oftenpartial exemptionor total for EEP, tax adapted for PERCO/PERCOL)

We note that this lever can make the difference when choosing between premium and abundance. Many also hesitate, and the question often comes back in appointments with specialist advisors. Is it always as advantageous? It depends on your project and your constraints, of course.

What tools and accompaniments exist to optimize the abundance?

To dominate abound is to maximize its use over the years. Companies and their partners now make available a wide range of digital tools to track, estimate or improve the abundance received. Independence reassures some, while others prefer to be accompanied in managing their savings (question of temperament... or experience!).

• Simulators online to quickly calculate your abundance (at Natixis Intersave, AG2R LA MONDIALE, Amundi...)
• Mobile applications with ceilings tracking gauges, for those comfortable with digital
• Interactive FAQ and customer space to inform your daily questions
• Direct contact with an advisor, valuable to customize your approach and combine abundance, free payments and interest

Some users share that, after a few simulations, their annual arbitration strategy has been refined and their premium management has become more readable, while limiting current errors. A savings manager also recently pointed out the extent to which pedagogy is progressing in the sector, with guides, lexicons and comparative tables within easy reach, making the subject more accessible to all.

FAQ on the abundance of wage savings

Need an express summary? Here you will find answers to the big questions that managers hear most... and that come back from the majority of employers offering wage savings.

• Who has access to plenty?Any employee of a company with a wage saving scheme (whether in CDI, CDD or apprenticeship according to the agreement in place). A passage through the HR service provides useful confirmation.
• How to simulate or anticipate the amount received?Using your payment, your company's abundance rate and the year limit. Online simulation tools now make this calculation very accessible.
• Is it taxed immediately?No, as long as the ceilings are respected and unless exceptions are made over the regulatory blocking period.
• Is the release free?Not entirely: only certain cases allow, such as the purchase of the principal residence, a marriage or the arrival of a child. Consider checking the official list of exceptions, often available on the manager's client space.
• Do we always have to focus on a premium?Abundance is generally more favourable thanks to its taxation and its effect « boost » on savings, but a personal analysis remains relevant (imagine two different situations within the same service... the answer can vary!).

Do you hesitate, want advice, or just learn more about your possibilities? Nothing prevents you from soliciting an advisor or testing a custom simulator. It is often observed without obligation... and the approach often reserves some useful surprises.