Tesorus ticket

Ticket Tesorus is a product of salary savings especially designed for the Small and medium-size companies (SME), resulting from a partnership between Accor Services and Groupama Salary savings. This product is appeared as a notebook of tickets, on the model of Ticket restoring.

What salary savings?

The salary savings, or saves undertaken, is a means for the company of financially associating its employees with its good performances and/or of helping them to constitute a defiscalized saving. This market has met a success growing for several years because the salary savings answer at the same time the needs for the companies and those of the paid ones:

It makes it possible to the collaborators of the company to profit from a complement of gravitational income thanks to a surer saving but as more profitable as a saving made up on a purely private/individual basis: the savers profit indeed from the contribution of the company (called additional amount) and tax incentives and social considerable. The salary savings constitute effective means of saving for the retirement, and propose one of the best envelopes of tax exemption.
the company benefits from all the tax incentives of the salary savings, but also of a lever on the performance of its employees: indeed, the saving undertaken proposes various modes of remuneration to associate the employees with the results, and thus supports their implication and their motivation. For the employer, it is thus about a solution of exemption ﬁ scale, development of consumer loyalty and motivation .
Les 4 principal devices of salary savings today are the Plan of Saving Undertaken (PEE), the Plan of Epargne
Retraite Collectif (PERCO), the Participation in the profits and the Collective Profit-sharing.

Tesorus

Tesorus is a subsidiary company of the Groupe Accor created in 2002. It belongs to the branch Accor Services, which constitutes one of the two great strategic trades of the group. Since 2007, this subsidiary company is held to 50% by Groupama.
Tesorus proposes an offer of salary savings intended for SME and resting on the interaction of 3 partners.

Partners

Accor Services:
Leader world of the titles of services intended for the companies.
Groupama Salary savings:
Expert of the personalized management of the salary savings.
JPMorgan Asset Management: world
Specialist of the management of capital.

Products

Tesorus is a range of salary savings individual, financed by the company and the collaborator, revisable each year and exonerated from social contributions (1) and tax.

Ticket Tesorus Saves (Plane of Saving Undertaken - PEE)
Comme for any PEE, the saving is invested for one 5 years duration, with 5 cases of releasing anticipé.
Les payments of the recipient can be abounded up to 3 times maximum by the company, and until more than 2.500 €/an/salarié exonerated from social contributions. At the end of the 5 years, the exit is done in capital tax-free.
Ticket Tesorus Retraite (Plane of Saving Collective - PERCO Reprocesses)
Ticket Tesorus Retraite makes it possible to constitute a capital for the retirement with the assistance of its company. As for any PERCO, the saving is invested until the retirement with 9 cases of anticipated releasing. The payments of the recipient can be abounded up to 3 times maximum by the company, and until more than 5.100 €/an/salarié exonerated from social contributions. With the retirement, the recipient can recover his saving in capital tax-free or taxable life annuity.

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