Understanding employee saving and retirement

GAY-LUSSAC GESTION accompanies you in the implementation and management of your company savings schemes.

An employee savings and retirement plan is a collective savings scheme allowing each employee, company director and his or her collaborating spouse or partner (for companies from 1 to less than 250 employees) to build up personal savings under advantageous tax and social conditions.

These schemes meet social, strategic and financial objectives with a commitment to employees by involving them in the company’s development.

Our solutions

To take better advantage of company savings schemes, discover our solutions adapted to your social policies.

    Precautionary or project savings

  • Company saving plan (PEE) / Group saving plan (PEG) / Inter-Company saving plan (PEI)

  • Retirement saving

  • The Collective Retirement Savings Plan (PERCOL) / Intercompany Collective Retirement Savings Plan (PERCOL-I)

  • Mandatory retirement saving plan (PEROB)

  • Measures associating employees with the company

  • Participation

  • The profit-sharing scheme

Our range of financial supports

Employee savings and retirement plans are invested in company mutual funds (FCPE).

This is a collective investment vehicle made up of transferable securities (monetary products, bonds and/or shares).

Each FCPE has 3 indicators (Breakdown between monetary products, bonds, shares/ investment horizon/Risk level) which help the beneficiary in his choice of investment according to his specific objectives (Project savings, precautionary savings, and retirement).

Our partner provides 2 simulators to help in the choice of investment support(s).

These tools allow us to establish an investor profile (projects, investment horizon, level of performance sought and risk to be taken) in order to make the right investment choice.

 

FCPE Multi-Company funds

Open to employees of several different companies. These FCPEs have been designed to provide a turnkey solution.

Our Dedicated FCPEs

Open to employees of the same company or group. They are either funds invested in the company’s securities (of which at least one third of the assets are invested in the company’s shares or bonds), or diversified funds (of which at least two thirds of the assets are invested in securities of companies other than the company that set up the fund or those related to it as part of a group.

Company Savings Management

GAY-LUSSAC GESTION has chosen SOCIETE GENERALE EPARGNE SALARIALE (ESALIA) to handle the administrative management of the employee savings and retirement schemes of its client companies and the individual accounts of employees.

This major player is a company dedicated to registering and maintaining shareholding accounts (TCCP) of employee savings funds managing more than 19,000 companies and over 1 million individual accounts.

For the past 15 years, an international offer for the largest brands has also been developed by SOCIETE GENERALE EPARGNE SALARIALE.

 

The services available:

  • Phone reception from Monday to Friday, from 8 am to 6 pm at 09 69 32 15 21
  • Interactive voice server (not taxed) available 24/7
  • Secure Internet space dedicated to the company
  • Secure Internet space dedicated to the saver
  • Regular postal and/or digitized communication (statement of operations, annual situation, querying of incentive bonuses and/or profit-sharing bonuses, etc.).
  • A dedicated space for the saver, for the company with a simple and practical menu; at each step, an adapted accompaniment
  • An application for the saver to download directly from the App Store or Google Play platforms.

FAQ

To subscribe to our offers, we invite you to contact us on +33 1 45 61 67 56, or by email to contact@gaylussacgestion.com.

You can access your space by referring to the information present (username and password) on your notice or company savings statement.

You can update your data or those of your collaborators by accessing your dedicated space.

Your identifier (account number) appears at the top of your employee savings statements (account statement or asset statement).

Your password is sent to you in a specific letter: “Your access to Esalia”. You will be asked to change it the first time you log in.

You can make collective operation through your company dedicated space.

Check our practical sheet “Tax and social security framework” of employee saving and collective retirement.

You have a question, an inquiry?

Our advisers and experts are fully available for any kind of request; clarification or guidance in your current or future investment projects.