- 2'15 min
La Médicale launches its Pension Savings Plan (PER)
La Médicale, our subsidiary dedicated to healthcare professionals, is launching "La Médicale PERennité” – the company’s own Individual Pension Savings Plan (PERIN).
This new policy, insured by Spirica, enables La Médicale's existing and prospective customers to optimise their retirement planning throughout their professional lives. In addition to the advantages associated with this type of policy – freedom of payments, transferability of existing policies, etc. – it also offers customers a broad and adaptable range of financial solutions with flexible withdrawal terms enabling a combination of capital and income.
Three management modes are available and can be combined with each other:
• Spirica's horizon-based guided management solution, integrating access to the real estate and private equity/investment capital asset classes;
• guided management by Active Asset Allocation, with three profiles adaptable to each customer’s risk profile,
• independent management.
Finally, La Médicale PERennité offers an innovative, diversified and adaptable range of financial solutions:
• access to the Euro PER Nouvelle Génération (New Generation) Fund and to the Spirica Long-Term Growth Allocation (Croissance Allocation Long Terme) investment vehicle,
• a wide variety of unit-linked funds, including extensive ranges of sustainable development funds and real estate funds (real estate investment trusts [SCPI],and real estate collective investment undertakings [OPCI]).
Access to this top-of-the-range policy starts at €500. Online subscription will begin in October, accompanied by online transactions throughout the life of the policy.
Yann Renaut, Chief Executive Officer of La Médicale states: "Today more than ever, preparing for retirement is a priority. With La Médicale PERennité, La Médicale will help all of its healthcare professional customers to build up and safeguard their pensions, within a specific fiscal framework, which will allow them to approach this time of life with peace of mind."
Introduced by the government, the Pension Savings Plan (PER) will gradually replace the other existing schemes, such as the PERP (personal pension plans), Madelin policy and PERCO (collective savings scheme), which will no longer be available from October 2020 onwards.