الادخار

Anyone can face a loss of income (retirement, major projects, etc.). The Retirement Savings Plan is the solution to deal with these situations. Retirement Savings insurance is a savings product by which the insurer undertakes to pay you, at the end of the contract, in addition to the original capital, the interest produced by your payment. By its operating mode, the contract combines two operations: individual savings (by capitalization) and an insurance operation (asset transmission in the event of death, because the sums present are paid to the designated beneficiary). The major interest is its great flexibility: the saver can recover all or part of the sums invested at any time, and at maturity the accumulated capital (increased by the products) is paid either to the subscriber or to the designated person in the event of death. Savings accumulated beyond 8 years benefit from a very favorable tax regime. EPEGA assists you in choosing the amount of premiums and the frequency of payment to optimize the tax advantages of the contract.