GAY-LUSSAC GESTION helps you to discover company savings schemes, to understand how they work and their advantages, and to choose the scheme adapted to your needs.
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 security conditions.
These solutions are ideal for financing projects, preparing for retirement or saving for difficult times.
Precautionary or project savings (Example: Purchase of the main residence, marriage, creation or takeover of a company...)
Company saving plan (PEE) / Group saving plan (PEG) / Inter-Company saving plan (PEI)
The Collective Retirement Savings Plan (PERCOL) / Intercompany Collective Retirement Savings Plan (PERCOL-I)
Mandatory retirement saving plan (PEROB)
Measures associating employees with the company
The profit-sharing scheme
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.
Open to employees of several different companies. These FCPEs have been designed to provide a turnkey solution.
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.
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:
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 by accessing your personal space, or by calling the account holder’s hotline.
BY INTERNET: into your « private space » menu « your operations » « get a refund »/ « anticipated refunds.
BY MAIL: By completing the redemption request form provided with your Account Statement to be sent to Société Générale Epargne Salariale – TSA 90035 – 93736 Bobigny Cedex 9.
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 your deposit through your personal space.
You can carry out an arbitration from your secure space or make a request by mail to your account keeper.
Check our practical sheet “Tax and social security framework” of employee saving and collective retirement.