Reward outstanding performance with a bonus pension plan
Variable remuneration.
This is a group insurance policy funded by successive single premiums that enables you to build up a supplementary pension for your employees through variable remuneration.
The unique feature of the Bonus Plan is that the pension bonus is linked to the performance of your employees. Hence its name, the “bonus” pension plan.
These performances must be measurable in an objective manner.
A winning choice for everyone in terms of taxation
For employees, a bonus pension scheme is financially much more attractive than a simple salary increase.
And for the company, premiums can be deducted as business expenses as long as you comply with the 80% rule.
Prospect of superior returns thanks to Branch 23
Branch 23 certainly does not provide a guaranteed return.3 and good years can therefore alternate with less good ones. But the long-term horizon of group insurance makes it possible to limit these risks and increase the likelihood that you will be able to meet your financial commitments as an employer without any problems and that your employees will be able to enjoy a nice additional pension fund.
Consider your peace of mind too. As an employer, you can choose from a wide range of defensive and dynamic Branch 23 investment funds. Thanks to the different profile funds, you can easily choose the level of risk you wish to take, without being responsible for active management. This leaves you in the capable hands of our experts.
At Quercus Risk & Capital, we recommend the use of trackers (also known as ETFs (Exchange Traded Funds)!
What are the advantages of trackers?
- Compared to traditional investment funds, trackers have low management fees.
- It makes sense: passively tracking an index requires less work than actively selecting and managing a portfolio of shares.
- Transparent pricing, which can be set at any time of day. As trackers are listed on the stock exchange, you buy and sell at the current market price. With traditional investment funds, it usually takes a few days before you know how much you are paying or receiving for a purchase or sale.
- Diversification opportunities. A golden rule of investing is not to put all your eggs in one basket. With trackers, you can invest small amounts in just about anything whose price or rate is determined by a market mechanism. This allows you to diversify your investment portfolio.
Help with buying a property
Does your employee have a property project? With UNE group insurance, you can offer them the opportunity to finance their project on extremely attractive terms through an advance on their contract*. There is no paperwork to complete. We settle everything directly with the employee concerned and the insurance company.
*The cost and conditions of an advance vary from one company to another, and even from one product to another within the same company.