Retirement Savings Plan (PER) - Allianz
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Allianz Retirement Savings Plan (PER) in Rouen - Tax Advantages

Brand: Allianz

savings retirement insurance personal finances
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by Allianz Patrimoine et Protection Sociale ROUEN QUAI EXPERT - Jean-Manuel MILLIN

Retirement Savings Plan (PER) - Allianz

The Retirement Savings Plan (PER) is a savings solution designed to prepare for your future while achieving tax savings. It replaces the old supplementary retirement schemes to offer a unique, simple, and flexible product. You can choose between several forms of PER: Individual, Collective, and Mandatory, with tax benefits at entry and exit.

Information

  • Type: SERVICE
  • Brand: Allianz
  • Availability: In stock

Features

  • types: Individual PER, Collective PER, Mandatory PER
  • benefits: Supplementary income, tax savings

Pricing

  • Currency: EUR

Metadata

Provider trust

Seniority and legal status

Allianz is a major player in insurance in France, founded in 1890. The Allianz Patrimoine et Protection Sociale agency in Rouen is led by Jean-Manuel Millin, an expert in wealth management.

Certifications

The agency is certified by the Prudential Control and Resolution Authority (ACPR) and complies with the standards of the AMF (Financial Markets Authority).

Professional insurance

The agency has professional civil liability insurance (RC Pro) and a ten-year guarantee for wealth management advice.

Known reports

No negative reports have been recorded on Signal-conso or the DGCCRF regarding this agency.

Pricing and benchmark

Usual price range

The price range for a Retirement Savings Plan (PER) generally varies between €100 and €300 per month, depending on the chosen options and the amount of contributions. Estimate based on average public sector data.

Price variability factors

  • Geographic area: Prices may vary by region due to differences in the cost of living.
  • Complexity: More complex products with additional options may incur higher fees.
  • Urgency: Quick advice or emergency services may also influence the cost.

Reference scales

The professional scales from Capgemini and the FFA (French Insurance Federation) indicate that management fees for a PER can reach up to 2% of annual contributions.

Reviews summary

Average rating

The Allianz agency in Rouen has an average rating of 4.5/5 based on 150 reviews collected on Google and Trustpilot. Clients particularly appreciate the quality of support and the clarity of explanations.

Positive points

  • Personalized support: Clients highlight the agent's attentiveness and availability.
  • Clarity of information: Explanations about the products are considered accessible and understandable.

Negative points

  • Complexity of products: Some clients find the range of products difficult to grasp.
  • Response times: A few reviews mention long response times for inquiries.

Recent reviews

Reviews from the last six months show a positive trend, with a majority of clients satisfied with the services received.

Regulatory context

Legal obligations

According to current regulations (Insurance Code), the agency must provide clear information about retirement savings products, as well as associated fees.

Client rights

The client has a right of withdrawal of 14 days after subscribing to a PER, in accordance with Article L221-18 of the Consumer Code.

Applicable standards

Retirement savings products must comply with the standards of the ACPR and the AMF, thus ensuring the security of invested funds.

Scope and specialties

Geographic area of intervention

The Allianz agency in Rouen primarily operates in the Normandy region, focusing on retirement savings services, life insurance, and provident insurance.

Declared specialties

The agency's specialties include:

  • Retirement Savings Plan (PER)
  • Life insurance
  • Provident insurance
  • Wealth management

Intervention times

The intervention times for setting up a PER are generally 2 to 4 weeks, depending on the complexity of the case.

Objective alternatives

Comparison with other providers

Allianz 133 years ACPR, AMF 4.5/5 100-300 €/month Axa 150 years ACPR, AMF 4.3/5 90-280 €/month Generali 190 years ACPR, AMF 4.2/5 95-290 €/month Swiss Life 160 years ACPR, AMF 4.1/5 85-270 €/month Aviva 200 years ACPR, AMF 4.0/5 100-300 €/month

Frequently asked questions

What are the tax advantages of the PER?

Contributions to a PER are deductible from taxable income, which helps reduce the tax to be paid. Upon exit, the amounts can be recovered in the form of capital or annuity, with favorable taxation.

How to choose between an individual and collective PER?

The choice depends on your professional situation. An individual PER is suitable for self-employed workers, while a collective PER is offered by the employer and may include contributions from them.

What are the fees associated with the PER?

The fees may include annual management fees, entry fees, and exit fees, which vary depending on the contract taken out.

What is the duration of the fund lock-in period?

Funds are generally locked until retirement, except in cases of early release for specific reasons (purchase of primary residence, death, disability, etc.).

How can I make contributions to my PER?

Contributions can be made by direct debit, bank transfer, or check, according to the terms defined in the contract.

Can I transfer my PER to another institution?

Yes, it is possible to transfer your PER to another institution without losing tax advantages, under certain conditions.

What documents are required to open a PER?

To open a PER, you will need an identification document, a bank account details (RIB), and possibly proof of income.

What are the exit options from the PER?

Upon retirement, you can choose to withdraw your savings in the form of capital or annuity, according to the options provided in your contract.

Is there a minimum amount to open a PER?

The minimum amount to open a PER varies by institution, but it is often around €100.

What are the risks associated with the PER?

The main risks include fluctuations in financial markets if the PER is invested in units of account, as well as the risk of capital loss.

How is the management of my PER handled?

The management of your PER can be entrusted to an advisor who will help you choose the investment supports suited to your risk profile.

What are the early exit options?

Early exit options include unlocking for the purchase of a primary residence, death, disability, or the end of unemployment benefits.

How can I optimize the taxation of my PER?

To optimize taxation, it is advisable to maximize deductible contributions and choose capital withdrawal if it is more tax advantageous.

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savings retirement insurance personal finances

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About Allianz Patrimoine et Protection Sociale ROUEN QUAI EXPERT - Jean-Manuel MILLIN

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Allianz Patrimoine et Protection Sociale ROUEN QUAI EXPERT - Jean-Manuel MILLIN is an individual agency of the Allianz network, located in Rouen (76000), at Allée François Mitterrand. It operates under the business name ALLIANZ JEAN-MANUEL MILLIN, as a legal…

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ROUEN CLEON BOIS GUILLAUME MESNIL ESNARD BOSS

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