Prepare the retirement your state pension will not fund.
A self-employed person's state pension stays low, often bearing no relation to your working income. A supplementary pension (PLCI, CPTI, EIP) builds capital for your later years while cutting your tax every year. The earlier you start, the stronger the effect.
- PLCI For every self-employed person Cuts both tax and social contributions.
- CPTI As an individual To go beyond the PLCI.
- EIP Through your company The most powerful lever in a company.
The blind spot of the well-paid self-employed
When the invoices are comfortable, retirement feels a long way off. Yet a self-employed person's state pension remains structurally low. When the day comes, the gap between your income and your pension can knock down your standard of living, and by then it is too late to close it.
Our motto fits this perfectly: “Plan today, protect tomorrow.”
The good news: the State encourages pension saving by the self-employed through tax-favoured schemes. Every euro paid in works twice: it builds your capital and it cuts your tax bill for the year, and for the PLCI your social contributions too. Few investments offer such an immediate tax return.
And lost time cannot be made up: every year without a contribution is a tax deduction lost for good. The annual ceiling does not carry over.
- €120k
- €80k
- €40k
- 0
- age 35
- age 45
- age 55
- age 65
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Starting at 35
30 years of contributions ≈ €124,000 -
Starting at 45
20 years of contributions ≈ €74,000 -
Starting at 55
10 years of contributions ≈ €34,000
Capital built by age 65, illustrative orders of magnitude at 2% net a year, excluding the tax advantage and the tax on payout. The actual return depends on the policy and is not guaranteed.
Three building blocks to stack according to your status
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For every self-employed person
PLCI
Free Supplementary Pension for the Self-EmployedThe first building block. Its premiums reduce both your taxable base and your social contributions. The first one to use.
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Self-employed as an individual
CPTI
Pension Agreement for Self-Employed WorkersIt lets a self-employed person without a company go beyond the PLCI, in a dedicated tax framework, that of the 80% rule.
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Company director
EIP
Individual Pension CommitmentIt is taken out through your company, which pays and deducts the premiums, within the 80% rule. It is the most powerful lever for a consultant working through a company.
These schemes combine. The right balance depends on your status, individual or company, on your income and on your goals. That is exactly what we work out with you.
Three reasons not to wait
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01
Time works for you
Compound interest rewards duration. Starting a few years earlier changes the final capital markedly.
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02
The tax advantage cannot be recovered
Every year without a contribution is a deduction lost. The annual ceiling does not carry over.
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03
Security into the bargain
Some schemes include death cover, so your family is not left exposed.
Supplementary pension: your questions
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Why does a self-employed person need a supplementary pension?
A self-employed person's state pension is low compared with their working income. Without supplementary saving, the drop in income at retirement is severe. The dedicated schemes let you build capital while cutting tax and, for the PLCI, social contributions.
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What is the difference between the PLCI, the CPTI and the EIP?
The PLCI is the first building block, open to every self-employed person, with a ceiling linked to income. The CPTI is for the self-employed individual who wants to go further. The EIP is taken out through the company, which pays and deducts the premiums, within the 80% rule.
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How is the capital taxed on payout?
The tax treatment on payout depends on the scheme (PLCI, CPTI or EIP), on your age at retirement and on your situation. It remains broadly favourable, but it is too specific to sum up in one line. We calculate it with you, and with your accountant if needed, before you commit. (A detailed guide on this is coming soon.)
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Can I get the capital back before retirement?
These policies are built for retirement. Early withdrawal remains possible in certain cases, in particular to buy or build property, with its own conditions and tax treatment. We explain the rules before you commit.
Complete your protection
Turn your tax into retirement capital.
In a few minutes we simulate your supplementary pension and its tax advantage.