PLCI for freelancers

What is a PLCI for independents?


The Free Supplementary Pension for the Self-Employed (PLCI) allows you to save for your pension while enjoying a huge tax advantage as well as a social advantage.
You can indeed recover up to 70% of your savings for tax purposes!


Conditions?


be independent primarily
be independent in a complementary manner under conditions
Duration of the contract: no minimum duration required


Yield?


Each payment made on your PLCI contract benefits from a double return:

A guaranteed base rate varying between 0% and 1.50% (depending on your risk aversion). The base rate in effect at the time of payment is guaranteed for your payment until the end of the contract.
An annual bonus. This bonus is voted annually by insurance companies and increases your base rate. You can invest this bonus at the basic rate in force (branch 21) or in one or more investment funds (branch 23).
Annually, you will receive an inventory showing the amounts paid in the year, the interest acquired (base rate + bonus) as well as the pension capital projected at the end.


Tax benefit ?


You deduct the insurance premium as a professional expense. Each payment will therefore have a direct impact on your taxation as a natural person since it will decrease your taxable base.


Did you know that… ?


The tax benefits of your PLCI can be combined with those of other supplementary pensions:

Pension savings
Long-term savings
Pensionv's individual commitment


Taxation of capital at term


Each payment made in your EIP contract has a double return:

A guaranteed base rate ranging from 0% to 3.25% (depending on risk aversion). The base rate in effect at the time of payment is guaranteed for your payment until the conclusion of the contract.

+

Annual bonus. This bonus is voted annually by insurance companies and inflates your base rate. You can invest this bonus at the current base rate (branch 21) or in one or more investment funds (branch 23).

Each year you will receive an inventory of the amounts paid during the year, the interest earned (base rate + bonus) and the pension fund project at the end.