who can unlock their employee savings before their time?

You don’t want your participation or profit-sharing bonus to be blocked for five years on a company savings plan (PEE) and prefer that it land directly in your bank account for immediate use? Every year, it’s the same approach: you have fifteen days to let them know, from the moment you are notified of the payment (most often in the spring). In this case, you waive the income tax exemption granted to those who invest the money for at least five years.

Didn’t show up in time? It is still possible to unlock this employee savings before the famous five years, but usually this right can only be exercised in certain situations – after a marriage or a civil solidarity pact (pacs), a divorce, the death of the spouse, the birth of a third child, on the occasion of the purchase of a home or the creation of a business , etc.

In this context of high inflation, the rule has, however, just been temporarily relaxed: by December 31, 2022, the saver can ask to release his money – up to 10,000 euros – even if the five years are not reached and even if he does not fall under the usual early release cases. A possibility introduced by the Senate Social Affairs Committee in the law of emergency measures on purchasing power promulgated on August 16. As for a classic unlocking, the sums will not be subject to income tax.

Read also: Purchasing power: what the bill adopted in the National Assembly and the Senate contains

However, only the sums placed in a PEE before the 1^er January 2022. And those invested in solidarity companies or in securities of your company are not concerned, except, in the latter case, if a collective agreement authorizes it.

To buy one or more goods

“Only profit-sharing and participation bonuses are covered. The employer’s contribution, voluntary payments and any days of paid leave are not mentioned in the texts., says Jean-Christophe Benzo, CEO of Groupama employee savings. There is also no question of using this measure to withdraw money from a group retirement savings plan, whether it is an old “Perco” or a new “Percol”.

In practice, you must make your request directly to the account holder of your PEE (the financial institution that manages it, not your company). Once. “You will not be able to use this unlocking reason twice, but you can benefit from this measure even if you have already requested a classic early unlocking this year, for example if you got married at the start of 2022”continues Mr. Benzo.

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