A new way to mobilize the savings of the French for the economic recovery?
Retirees will be able to obtain more easily the payment of their retirement savings in the form of capital, and not an annuity, according to a decision announced Thursday by the Ministry of the Economy.
Concretely, the government has decided to raise the annuity threshold to 100 euros below which retirement savings can finally be paid in capital, Bercy announced in a press release.
To "promote transmission between generations"
Until now, when a retirement savings contract (Madelin, Perp, article 83, etc.) only offered an annuity payment once the retirement age had been reached, there was always the possibility of pay in the form of capital if the estimated amount of the annuity was less than 40 euros or 80 euros depending on the contracts.
This possibility will therefore be extended up to a threshold of 100 euros and this "in order to facilitate the mobilization of savings in the context of the recovery", justifies Bercy.
"This measure makes it possible to support the resumption of consumption and to promote transmission between generations", adds the ministry, which specifies that this measure "does not call into question the blocking of this savings until retirement age" .
Initially, Bruno Le Maire wanted to facilitate small donations between generations via tax relief on these donations, but this politically sensitive measure has never received the approval of the executive.
It was strongly criticized by the left, who saw it as a gift to the wealthiest households, since according to INSEE, donations are more received and made by households with the highest heritage.
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