France's Autorité des marchés financiers publishes infographic on how to invest employee savings

France's Autorité des marchés financiers published an infographic setting out the key questions employees should ask when deciding how to allocate employee savings accumulated through workplace schemes. The material explains that employee savings arise from collective arrangements in which some companies distribute a share of results or profits to employees, who can either take the payment immediately (taxable as income), invest it in an employee savings plan (with funds locked up for a period and exempt from income tax), or split between the two. It distinguishes between a company savings plan (Plan d’épargne entreprise, PEE) aimed at medium-term goals and a collective company retirement savings plan (Plan d’épargne retraite d’entreprise collectif, PER collectif) for retirement, and advises employees to understand the investment options offered, assess their time horizon and risk appetite, and read available documentation including the key information document.