Solutions offered by Fondation Collective Groupe Mutuel

Advantages

• No solidarity with other entities of the Foundation, as your fund has its own coverage ratio

• A high level of transparency and an annual report specific to the pension fund

• Your employees retain the provisions and reserves they have helped to build up, unlike with a traditional collective foundation

• Access to our competitive rates, regardless of the size of your company, thanks to Fondation Groupe Mutuel’s framework agreement with various partners (reinsurers, asset managers, global custody)

Full control of the pension solution with the choice of:

• pension plan(s)

• annual remuneration, conversion rate and other technical parameters

• reinsurance and coverage of actuarial risks

• investment strategy

• financial providers

Advantages

The individuals insured have their own pension fund and will enjoy dynamic and efficient asset management tailored to their needs, with attractive management costs.

The asset management (strategic allocation and financial provider) is chosen by the Pension Committee and applies to the entire insured group.

Results:

• An above-average return on the excess portion of occupational pension assets
• Higher tax deductions for the company and its employees

Strengths of Pension Free

• Freedom
  You choose the investment strategy and pension plan that suits you.

• Performance
  The return on assets is allocated to retirement assets (and is not used to fund provisions).

• Attractive taxation
  You increase the insured persons’ ability to buy into the plan and the company's tax deductions thanks to the employer's contribution reserve or the value fluctuation reserve.

• Security
  The annual returns on your assets are acquired and the value fluctuation reserve protects you from a possible loss of capital when you leave the Fund, unlike the plans 1^e.