Subscribe to a pension, simple and so useful
Goals
The purpose of funded retirement is to provide a supplement to your basic retirement.
Indeed, the basic and supplementary schemes will be insufficient to guarantee a level of income in line with that of the salaries received.
Ex: limitation to 4200 dhs per month for the CNSS.
However, do not let doubt hang over your employees concerning their future is part of the luggage of the entrepreneur.
Thus, collective retirement can become a tool for retaining employees.
CGAP helps you to have a good understanding of Retirement Savings schemes, their characteristics and their impacts.
A simple and practical device
Savings constituted by periodic or exceptional payments will be
valued by capitalization.
Upon retirement, the insured will have the choice
between several annuity options:
1. Full payment of the accumulated savings (capitalised)
2. life annuity
3. Certain monthly annuity in arrears: 5/10/15/20 years
4. Mix between option 1 and annuity options
Many advantages for your company and your employees
1. For employees
Employee contributions are deductible from income tax up to 50% of the taxable salary (if minimum duration of 8 years and age at exit of at least 50).
An advantageous final tax according to capital option (40% abatement for example) or annuity option (55% abatement for the Inf part at 168,000 dhs and 40% for the surplus).
Flexible contracts selected by CGAP for you: choice of free payments/possibility to have at all times your savings/minimum management fees.
Guaranteed annual rate and profit sharing.
Protected spouse (Guaranteed projected pension)
and even more.....
2. For business
Offer deferred compensation not subject to income tax.
Tax and social framework: Employer contributions are deductible from your company's taxable income.
CGAP: understand your savings needs, meet them with tailor-made solutions
Do you want to have a good understanding of Retirement Savings schemes, their characteristics and their impacts?
CGAP is at your service : we dedicate a business manager to you with all the expertise required to answer all of your questions directly.
We are also ready to organize, in collaboration with your Human Resources Department , information days for your employees on the subject of retirement.