While compulsory basic and complementary pension schemes ensure a minmum of benefits, in order to maintain the same quality of life during retirement as during your professional life, we suggest supplementing these schemes by subscribing to one or more savings plans individually or via your employer.
Pension Savings allow you to create a supplementary pension arrangement paid the form of life annuities when the time comes for retirement, by tax efficient funding. There are two types of contracts:
	defined contribution contracts in which the employer is committed only to a given amount of financing
	defined benefit contracts, which are based on the obligation of the employer's best efforts and on his commitment to contribute a given amount

Salary Savings also allow you to create a supplementary pension arrangement. It consists of supplying one or several savings plans subscribed to by businesses for their employees through:
	an annual bonus (profit-sharing bonus or shareholding) given to the employee for savings support
	a company savings scheme whereby the employer makes a complementary contribution to the savings plan

NOVALIS information:
NOVALIS Group offers a complete set of pension savings and salary savings plans to businesses and their employees.