Release at maturity
Depending on the scheme in question¹, you may withdraw the savings you have accumulated either in the form of a lump sum, in one or several payments and/or as a life annuity. What types of withdrawal are permitted under your scheme? Explanation
Withdrawal options by type of savings plan
| Scheme | Annuity | Lump-sum | Interval payments |
| PEE | 2 | ||
| PERCO | |||
| Article 82 | |||
| Article 83 | 3 | ||
| Article 39 (guaranteed entitlements) | |||
| PEROB/PERECO/PERU | 4 | 4 |
PEE in focus
Amounts invested become available in the form of a lump sum 5 years after they are invested. After this 5-year period, you may request the withdrawal of some or all of the corresponding amounts or otherwise keep them invested.
PERs in focus (PEROB, PERECO, PERU)
On retirement, you may opt to withdraw your savings:
• As a life annuity paid out for life and revalued each year
• As a lump sum paid in one go or in intervals
• As a lump sum and annuity combined
One exception: savings invested in the Mandatory Retirement Savings compartment made up of employer contributions must be withdrawn in the form of an annuity if this annuity exceeds €1,200/year.
Other retirement schemes in focus
Savings can only be withdrawn from an Article 39 plan with guaranteed entitlements in the form of an annuity. Refer to your personal user area to find out how much you will receive as an annuity if you liquidate your plan at the retirement age(5), calculated based on the entitlements vested to you at 31/12 of the last known year.
In the case of an Article 82 plan, you may withdraw your savings in the form of an annuity and/or a lump sum.
In the case of an Article 83 plan, you must withdraw your savings in the form of an annuity unless the annuity calculated is less than €1,200/year. In this case, you have the option to withdraw your savings as a lump sum.
Life annuities in focus
There are many annuity options available to suit your needs depending on your scheme.
1 Plan d'Epargne Entreprise (PEE, or company savings plan) / Interentreprises (PEI, or intercompany savings plan); Plan d'Epargne pour la Retraite COllectif (PERCO, or collective retirement savings plan) / Interentreprises (PERCOI, or intercompany collective retirement savings plan); Plan d'Epargne Retraite d'Entreprise COllectif (PERECO, or collective company retirement savings plan) / Interentreprises (PERECOI, or intercompany collective retirement savings plan); Plan d'Epargne Retraite Unique (PERU, or single retirement savings plan); Plan d’Epargne Retraite d’Entreprise Unique (PERU, or single company retirement savings plan); Plan d’Epargne Retraite Obligatoire (PEROB, or mandatory retirement savings plan).
2 In cases where savings are available for release.
3 If the annuity amounts to less than €1,200/year, you may opt to withdraw your savings as a lump sum.
4 Except for savings built up in the Mandatory Retirement Savings compartment made up of compulsory contributions, in which case savings must be withdrawn in the form of an annuity if the annuity exceeds €1,200/year.
5 In accordance with the requirements stipulated in the information brochure.