Subscribe to a pension, simple and so useful
Goals
The purpose of funded retirement is to provide a supplement to your basic retirement.
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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.
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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.
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CGAP helps you to have a good understanding of Retirement Savings schemes, their characteristics and their impacts.
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A simple and practical device
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Savings constituted by periodic or exceptional payments will be
valued by capitalization.
Upon retirement, the insured will have the choice
between several annuity options:
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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
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Many advantages for your company and your employees
1. For employees
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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).
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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.
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Protected spouse (Guaranteed projected pension)
and even more.....
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2. For business
Offer deferred compensation not subject to income tax.
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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?
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CGAP is at your service : we dedicate a business manager to you with all the expertise required to answer all of your questions directly.
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We are also ready to organize, in collaboration with your Human Resources Department , information days for your employees on the subject of retirement.