Incentive bonus: save, invest or spend?

The arrival of a profit-sharing bonus in the salary package is always a particularly eagerly awaited and appreciated moment for employees. This financial reward sounds like recognition for work accomplished, and offers a breath of fresh air to your budget. But once the joy of the news has passed, a major question arises: what to do with this unexpected sum?

Saving, investing, spending - the options are numerous and sometimes complex to sort out. Because the profit-sharing bonus is not like any other bonus, discover our advice on how to make the most of it!

WHAT IS THE INCENTIVE BONUS?

The incentive bonus is a form of variable remuneration paid to a company's employees based on its performance and results. Its aim is to motivate employees and involve them more closely in the company's success, by rewarding them financially when targets are met or exceeded. The profit-sharing bonus is not compulsory, and is calculated on the basis of the company's results or performance, according to pre-defined calculation criteria (sales, profit, production quality, etc.). The bonus is then distributed among employees on the basis of criteria such as salary, time with the company or a mixture of the two.

🔥 One of the major advantages of the profit-sharing bonus is its advantageous tax regime, for both employer and employee. For the employer, profit-sharing payments are deductible from the company's taxable income. For employees, it is exempt from social security contributions (with the exception of CSG and CRDS) and, if the employee decides to invest the bonus in a company savings plan (PEE), it is also exempt from income tax.

WHAT TO DO WITH THE INCENTIVE BONUS?

1. Putting your profit-sharing bonus into an employee savings plan

The first option is to invest your profit-sharing bonus in a Plan d'Epargne Entreprise (PEE). Amounts paid into a PEE are exempt from income tax and social security contributions (apart from CSG and CRDS). What's more, it's a golden opportunity to see your savings grow, thanks to the various investment vehicles available.

⏳ Please note: the money is blocked for 5 years, but rest assured that the law allows for early release in certain cases (purchase of principal residence, marriage, birth, etc.).

You can also invest your profit-sharing bonus in a collective company retirement savings plan (PERECO), if the company has one. In this case, despite the possibility of early release, the savings will be locked in until the employee reaches retirement age. You benefit from the same tax advantages as when you invest your bonus in a PEE.

1. Invest your profit-sharing bonus responsibly with Birdee

Choosing to invest your profit-sharing bonus responsibly means opting for a positive impact while seeking to increase the value of your capital. Birdee offers you an accessible and transparent solution for directing your savings towards sustainable and ethical projects.

✨ Commitment and transparency: Birdee is committed to offering you full visibility over the projects financed by your investments. So you can be sure that your money is really contributing to positive initiatives for society and the environment.

📈 Performance and sustainability: investing responsibly doesn't mean giving up performance. Birdee rigorously selects projects that combine profitability and positive impact, to offer you a balanced and promising portfolio.

💼 Personalized support: because every investor is unique, Birdee offers you customized support tailored to your objectives and risk profile. Our advisors are on hand to guide you and answer any questions you may have.

🌱 Diversification and accessibility: with Birdee, diversify your portfolio by investing in a variety of sustainable projects. What's more, access to responsible investment is made easy, allowing you to start with a moderate amount.

By choosing to invest your profit-sharing bonus with Birdee, you're taking another step towards a more sustainable world, while helping to grow your savings. It's an opportunity to give meaning to your money, by helping to finance a better future.

👉🏻 Discover our portfolios and invest sustainably with Birdee (from €50)!

1. Use your profit-sharing bonus to carry out a project or prepare for the future

The profit-sharing bonus is a financial opportunity not to be overlooked. Take the time to think about how you want to use it, according to your needs, your projects and your financial situation.

- Savings or investment: you can use your bonus to boost your precautionary savings, invest in real estate, or place the money in a savings product with an attractive return.
- Improve your living environment: your bonus can be used to finance renovation work on your home, buy new furniture, or carry out other projects to improve your quality of life.
- Donate to an association: support a cause close to your heart and make a donation to an association.
- Retirement: invest your profit-sharing bonus in a retirement savings product to supplement your income when you retire.
- Family: invest your bonus in a dedicated savings product for your children, to help finance their education for example.
- Leisure and vacations: why not treat yourself? Use part of the bonus to treat yourself to a trip, dinner in a good restaurant, or any other activity you fancy. This does not prevent you from investing or saving part of your profit-sharing.