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Épargne salariale, épargne retraite : ce qui va changer avec la loi Pacte

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En quoi la loi Pacte va-t-elle modifier l’épargne salariale et l’épargne retraite dans mon entreprise ? AG2R LA MONDIALE vous livre quelques clés de compréhension au travers de son dispositif « Mes questions pour demain ».

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Épargne salariale, épargne retraite : ce qui va changer avec la loi Pacte

  1. 1. Épargne salariale, épargne retraite : ce qui va changer avec la loi Pacte mes questions pour demain La loi Pacte doit entrer en application en janvier 2020. Son ambition est de donner les moyens aux entreprises de se développer et de créer de l’emploi. Elle vise aussi à faire de l’épargne salariale et de l’épargne retraite des produits phares de l’épargne des Français.
  2. 2. La loi pacte introduit des changements principaux en matière d’épargne salariale et retraite. mes questions pour demain
  3. 3. mes questions pour demain La création d’un produit unique : le PER - La loi souhaite simplifier et harmoniser l’offre existante. Les différents produits du marché (PER Entreprises, PERCO, PERP, Madelin Retraite) seront regroupés en un seul produit, le PER, décliné en version individuelle et en version collective. La suppression du forfait social - Le gouvernement envisage de supprimer le forfait social sur l’ensemble des versements d’épargne salariale pour les entreprises de moins de 50 salariés et sur les sommes versées au titre de l'intéressement pour les entreprises de moins de 250 salariés.
  4. 4. mes questions pour demain mes questions pour demain La création d’accords-types par branche d’activité Des accords-types, adaptés aux différents secteur d’activité des PME, seront négociés au niveau de la branche de l’entreprise. Ainsi, celles qui ne disposent pas de services juridiques spécialisés pourront opter pour l'application directe de l'accord-type négocié par sa branche. La portabilité des produits d’épargne retraite Chaque individu pourra conserver et alimenter son produit d’épargne tout au long de son parcours professionnel. Il le suivra s’il change d’entreprise.
  5. 5. mes questions pour demain mes questions pour demain La création d’accords-types par branche d’activité Des accords-types, adaptés aux différents secteur d’activité des PME, seront négociés au niveau de la branche de l’entreprise. Ainsi, celles qui ne disposent pas de services juridiques spécialisés pourront opter pour l'application directe de l'accord-type négocié par sa branche.

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