In an economic context characterized by a profound transformation of retirement schemes and a growing demand for tailored retirement savings tools, Generali Retirement and Monaliza have chosen to combine their expertise. This unprecedented partnership aims to offer a new high-performing, accessible, and fully digitalized individual Retirement Savings Plan (PER). Faced with the evolving needs of professionals in insurance recommendation and wealth management, this initiative responds to specific expectations regarding investment and retirement preparation. By uniting the financial capabilities of a major insurer with the technological agility of a specialized wholesale broker, the product will offer both solid guarantees and innovative solutions for asset management.
With Monaliza Optimal Retirement, professionals benefit from an intuitive interface designed to simplify contract enrollment and monitoring. This product aligns with an enhanced digitalization approach, meeting recent regulatory requirements while remaining competitive in a market where the individual PER has been gaining popularity since the Pacte law. The challenges surrounding the diversification of financial products and the securing of future income are taken seriously, with a wide range of options including free management, unit-linked investments, or euro funds. This launch is part of a broader movement to adapt to current economic and demographic realities, notably marked by the aging French population and the need for sustainable savings.
The strategic partnership between Generali Retirement and Monaliza: an innovative driver for retirement savings
The rapprochement between Generali Retirement and Monaliza sends a strong signal to the retirement savings market, demonstrating the importance of synergy between insurers and brokers in creating attractive offers. Generali, a historic and recognized player in the insurance sector, provides its expertise in supplementary occupational retirement funds. Meanwhile, Monaliza contributes digital technology mastery and a sharp understanding of the needs of savings professionals.
This alliance is not solely a commercial agreement but a shared desire to offer a product combining simplicity, performance, and security. It responds to the identified need for a tool adapted to regulatory changes, notably the transformation of Madelin and PERP contracts into PER, as well as the rising dominance of digital solutions in financial management. This partnership represents a major challenge for both groups, who aim to strengthen their position against competitors while working towards better retirement preparedness for the French population.
- 🤝 Consolidation of insurance and digital expertise
- 📊 Adaptation to new regulations of the Pacte law
- 💻 Offer accessible via a secure digital platform
- 📈 Diversification of investment supports
- 🔎 Support for finance professionals
| Partner | Main contribution | Key objective |
|---|---|---|
| Generali Retirement | Expertise in pension funds & life insurance | Security and performance of the PER |
| Monaliza | Digital technology & broker network | Facilitate access and contract monitoring |
The individual Retirement Savings Plan: evolution and regulatory context
The individual Retirement Savings Plan (PER) is part of a profound reform driven by the Pacte law enacted in 2019, aimed at transforming and simplifying retirement savings products in France. This scheme allows any individual—employee, self-employed, or liberal professional—to build supplementary retirement income through voluntary contributions. It consolidates the tax advantages previously divided among aging products like PERP or Madelin contracts.
By 2025, this sector is experiencing growing momentum, with increased popularity of the individual PER, especially among middle classes and young professionals, often highlighted for their savings shortfall. Transparency of fees, flexibility in management, and digitalization of procedures are key parameters regularly emphasized by insurance experts. Furthermore, this new PER responds to demand for better adapted solutions to demographic shifts, such as increased longevity and the complexity of the pay-as-you-go system.
- ✅ Gradual replacement of old products Madelin, PERP, and Préfon
- 🔄 Possible preservation of rights via transfer
- 📉 Fiscal advantages on contributions and at exit
- 💡 Flexibility in managing investment supports
- 💻 Digitalization of contracts to simplify enrollment
| Aspect | Previous regime (e.g., Madelin) | Individual PER (Pacte law) |
|---|---|---|
| Taxation | Tax deductions on professional income | Tax deductions on income or taxable capital exit |
| Management | Limited options | Free or managed with multi-support options |
| Availability | Blocked until retirement | Possible exception: purchase of primary residence, disability |
Monaliza Optimal Retirement: focus on the features of the new individual PER
The new product launched by Generali Retirement in partnership with Monaliza, called Monaliza Optimal Retirement, is designed to meet the needs of a diverse audience with varying expectations regarding retirement savings. It offers a fully digitalized process, ensuring a simple, quick, and secure subscription. The accessible interface allows users to track performance as well as manage contributions, asset allocation, and rights transfers.
A key aspect of this PER lies in its modularity. Savers can choose between managed or free management, with a wide range of guaranteed euro funds and unit-linked investments across different economic sectors. This product particularly targets savings and advice professionals seeking a high-performance tool to develop their client portfolios. The flexibility provided by this contract also facilitates diversification, a crucial pillar for controlling risk in long-term investments.
- 🎯 Digital and intuitive process
- 🛡️ Guarantees tailored to each profile
- 📊 Wide choice of supports (euro funds and unit-linked investments)
- 🔄 Transfer option from Madelin or PERP contracts
- 📈 Tax optimization via the Pacte law
| Feature | Detail |
|---|---|
| Type of management | Free or managed |
| Investment supports | Secured euro funds, varied unit-linked options |
| Accessibility | Professionals and individuals |
| Subscription methods | Monaliza digital platform |
| Taxation | Deductible or capital exit/imposition |
The impact of digitalization on the distribution of retirement savings financial products
Digitalization is an essential driver for the development of retirement savings products in 2025. It profoundly transforms the traditional distribution model by facilitating subscription, management, and contract monitoring. Technological innovation reduces operational costs and enhances the customer experience—two key factors in increasing memberships in individual PERs.
Generali Retirement and Monaliza fully leverage these digital levers through an integrated platform, ensuring simplicity, security, and speed. This transformation also helps meet regulatory obligations through automatic archiving and rigorous data control. Moreover, digitalization offers enhanced personalization with analysis and simulation tools suited for professionals in financial advice, highly valued by them.
- 📲 Simplification of administrative procedures
- 🛠️ Powerful simulation and advice tools
- 🔐 Increased data security and real-time access
- 🚀 Reduced processing times
- 🤖 Automation of contract management
| Advantage | Impact on distribution |
|---|---|
| Accessibility | Available 24/7 via web & mobile interface |
| Personalization | Investment scenarios adapted to client profile |
| Reactivity | Fast processing of requests and contributions |
| Compliance | Strict adherence to GDPR and insurance regulations |
The fiscal and financial advantages of the new Generali and Monaliza individual PER
In the realm of retirement savings, fiscal advantages are a key lever to encourage the accumulation of long-term assets. The Monaliza Optimal Retirement individual PER fully capitalizes on the legislation stemming from the Pacte law, offering deductibility of the contributor’s payments from taxable income. This provision is particularly attractive for liberal professionals and self-employed individuals subject to a demanding tax regime.
At exit, the contract offers several options: capital or lifelong annuity, with the choice of taxation based on the mode of withdrawal. This flexible option is a significant advantage to optimize retirement management and adapt income perception according to needs. It should be noted that this PER also allows early withdrawal under certain strict conditions, catering to the current demand for greater liquidity.
- 📉 Income tax reduction via deductible contributions
- 💰 Free choice of exit: capital or annuity
- 🔄 Possibility of transferring old retirement products
- ⚖️ Adaptation to different fiscal profiles
- ⏳ Early withdrawal under conditions (home purchase, disability)
| Fiscal Aspect | Advantage | Condition |
|---|---|---|
| Deductibility of contributions | Reduction on taxable income | Voluntary contributions |
| Taxation at exit | Taxable capital or partially exempt annuity | Contributor’s choice |
| Early withdrawal | Possible under specific conditions | Disability, primary residence |
To deepen your understanding of the fiscal implications, see recent industry analyses here.
Economic and demographic challenges related to the development of the individual PER
The increasing importance of the individual PER in France’s retirement landscape is linked to several economic and demographic factors. Demographic pressure, with the aging workforce and the increasing dependency on the pay-as-you-go system, makes it necessary to develop complementary solutions to secure the income of future retirees.
The partnership between Generali Retirement and Monaliza addresses a major challenge: providing savers with efficient, adaptable tools in a context where longevity and market fluctuations pose constant challenges. The digitalization of processes facilitates management for diverse profiles, including the self-employed often overlooked by traditional products.
- 👵 Population aging requiring enhanced savings
- ⚠️ Risk of exceeding public expenditure on pensions
- 📉 Need for diversification of income sources in retirement
- 💼 Response to the expectations of financial product professionals
- 🌍 Adaptation to global economic developments
| Factor | Description | Impact |
|---|---|---|
| Demography | Aging population | Strengthening personal savings |
| Economy | Financial market volatility | Importance of diversification |
| Legislation | Reforms of mandatory schemes | Encouragement of individual PER |
| Technology | Increased digitalization | Better management and monitoring |
The role of finance professionals in promoting Generali and Monaliza’s individual PER
The success of this new PER also heavily depends on the involvement of financial advice and insurance actors. Monaliza, as a wholesale broker, primarily targets professionals seeking to expand their product range with a competitive offer tailored to current needs. These intermediaries play a crucial role in support, client profiling, and personalized proposals for retirement savings management.
Furthermore, training and information are essential to effective distribution. The partnership thus incorporates educational tools and digital supports to facilitate understanding and presentation of the benefits of the individual PER to end clients. A clear financial education strategy provides a tangible response to current challenges, notably seen in mutual insurance companies with rising costs in 2025, underscoring the need for optimized wealth management.
- 📚 Continuing education for financial advisors
- 📈 Provision of digital tools and product support
- 🤝 Building trust with clients
- 🎯 Developing personalized strategies
- 🌐 Integration into an innovative digital platform
| Actor | Role | Expected Impact |
|---|---|---|
| Wealth management advisors | Personalized advice & tax optimization | Client loyalty & portfolio growth |
| Broking firms | Distribution & access to Monaliza platform | Increase in PER sales |
| Insurers (Generali) | Technical support & contractual guarantees | Product quality & security |
Perspectives and trends: how the new individual PER fits into the future of retirement savings
In the face of social, economic, and technological transformations, the Monaliza Retirement Optimal PER embodies a modern and flexible response. The integration of digital solutions, fiscal adaptation, and diverse investment supports position this product as a key element in the savings strategy of forward-thinking professionals and individuals.
It is noteworthy that the rise of family offices and the search for personalized solutions for complex estates also stimulate innovation in the sector. Generali Retirement, in partnership with Monaliza, thus prepares for the future with a tool designed to meet market challenges, optimizing risk management and long-term performance.
- 🚀 Constant innovation in products and supports
- 🔍 Detailed profile analysis using artificial intelligence
- 🌱 Growing integration of ESG criteria in investments
- ⚙️ Automation of services and improved managed services
- 🔗 Enhanced collaborations between insurers and brokers
| Trend | Description | Future Impact |
|---|---|---|
| Advanced digitalization | Enhanced customer experience | Increase in memberships |
| Personalization | Offers tailored to individual profiles | Client loyalty and satisfaction |
| Responsible investing | ISR funds and ESG criteria | Long-term value creation |
| Service hybridization | Convergence of insurance & technology | Improved market reactivity |
FAQ about the Monaliza Retirement Optimal PER
- ❓ Who can subscribe to the Monaliza Retirement Optimal PER?
This PER is open to all individuals, including employees, self-employed, liberal professionals, and non-salaried workers, wishing to build a complementary retirement savings. - ❓ What are the fiscal advantages of the contract?
Voluntary contributions are deductible from income tax, with flexible taxation at exit—either as a pension or a lump sum—based on the member’s choice. - ❓ Can old contracts be transferred to this PER?
Yes, rights from old products such as Madelin, PERP, or company contracts can be transferred to the Monaliza Retirement Optimal PER. - ❓ What management options are offered?
Investors have access to either managed or free management, with various supports allowing adaptation to risk profiles and objectives. - ❓ How does the subscription and monitoring process work?
The subscription is fully digital, secure, and quick via the Monaliza platform, where real-time contract tracking is also possible.
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