In an economic context marked by a profound transformation of retirement schemes and an increasing demand for suitable retirement savings tools, Generali Retirement and Monaliza have chosen to combine their expertise. This unprecedented partnership aims to offer a new efficient, accessible, and fully digitalized individual Retirement Savings Plan (PER). In response to the evolving needs of professionals in insurance recommendation and wealth management, this initiative meets specific expectations regarding investment and retirement planning. By combining the financial capabilities of a major insurance player with the technological agility of a specialized wholesale broker, the product will offer both robust guarantees and innovative solutions for asset management.
With Monaliza Optimal Retirement, professionals benefit from an intuitive interface designed to simplify membership and contract monitoring. This product aligns with an enhanced digitalization approach, complying with recent regulatory requirements while remaining competitive in a market where the individual PER has been gaining popularity since the Pacte law. The challenges related to diversifying financial products and securing future income are thus taken seriously, offering a wide range of options including unmanaged funds, unit-linked accounts, or euro funds. This launch is part of a broader movement towards adapting to current economic and demographic realities, notably marked by the aging of the French population and the need for sustainable savings.
The strategic partnership between Generali Retirement and Monaliza: an innovative lever for retirement savings
The rapprochement between Generali Retirement and Monaliza sends a strong signal to the retirement savings market, demonstrating the importance of synergies between insurers and brokers in building attractive offerings. Generali, a historic and recognized player in the insurance sector, provides its expertise in additional occupational retirement funds. Meanwhile, Monaliza brings digital technology mastery and sharp knowledge of the needs of savings professionals.
This alliance is not merely the result of a commercial agreement but stems from a shared desire to offer a product combining simplicity, performance, and security. It addresses the identified need for a tool adapted to regulatory evolutions, notably the transformation of Madelin and PERP contracts into PER, as well as the rising digital solutions in financial management. This partnership represents a major challenge for both groups, which aim to strengthen their position against competition while working towards better retirement preparedness for the French population.
- 🤝 Consolidation of insurance and digitalization expertise
- 📊 Adaptation to the new regulations of the Pacte law
- 💻 Accessible via a secure digital platform
- 📈 Diversification of investment supports
- 🔎 Supporting financial professionals
| Partner | Main Contribution | Key Objective |
|---|---|---|
| Generali Retirement | Expertise in occupational retirement funds & life insurance | SECURITY and performance of the PER |
| Monaliza | Digital technology & broker network | Facilitate access and contract monitoring |
The individual Retirement Savings Plan: developments and regulatory context
The individual Retirement Savings Plan (PER) is part of a profound reform driven by the Pacte law enacted in 2019, aiming to transform and simplify retirement savings products in France. This scheme allows any individual—employee, freelancer, or liberal professional—to build supplementary retirement through voluntary contributions. It offers a pooling of fiscal advantages previously spread across aging products such as PERP or Madelin contracts.
By 2025, this sector is experiencing increasing momentum, with the individual PER gaining popularity especially among middle classes and young professionals, often criticized for their retirement savings delay. Transparency of fees, management flexibility, and digitalization of procedures are key factors regularly highlighted by insurance experts. Furthermore, this new PER responds to demands for better-suited solutions to demographic changes, such as increasing longevity and system complexity due to the pay-as-you-go system.
- ✅ Gradual replacement of old products like Madelin, PERP, and Préfon
- 🔄 Possible preservation of acquired rights via transfer
- 📉 Tax advantages on contributions and upon exit
- 💡 Flexibility in managing investment supports
- 💻 Digitalization of contracts to simplify membership
| Aspect | Old Scheme (e.g., Madelin) | Individual PER (Pacte law) |
|---|---|---|
| Taxation | Tax deductions on professional income | Tax deductions on income or taxable capital withdrawal |
| Management | Limited options | Flexible or guided management with multiple supports |
| 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 retirement savings expectations. It offers a fully digital journey, ensuring a simplified, quick, and secure subscription process. The accessible interface allows users to track performance as well as manage contributions, asset allocation, and rights transfers.
A fundamental aspect of this PER lies in its modularity. Savers can choose between guided or free management, with a wide range of guaranteed euro funds and unit-linked accounts invested in various sectors of the economy. This product is particularly aimed at savings and advisory professionals seeking an effective tool to develop their client portfolios. The flexibility offered by this contract also facilitates diversification, an essential pillar for risk control in long-term investments.
- 🎯 Digital and intuitive journey
- 🛡️ Guarantees suited to each profile
- 📊 Wide choice of supports (euro funds and unit-linked accounts)
- 🔄 Possibility of transfer from Madelin or PERP contracts
- 📈 Tax optimization through the Pacte law
| Characteristic | Details |
|---|---|
| Type of management | Free or guided |
| Investment supports | Secured euro funds, varied unit-linked accounts |
| Accessibility | Professionals and individuals |
| Membership methods | Monaliza digital platform |
| Taxation | Deductible or capital withdrawal/taxation |
The impact of digitalization on the distribution of retirement savings 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 tracking. Technological innovation leads to reduced operational costs and an improved customer experience—two key factors for increasing memberships in the individual PER.
Generali Retirement and Monaliza fully leverage these digital levers through an integrated platform, ensuring simplicity, security, and speed. This transformation also enables compliance with regulatory obligations via automatic archiving and rigorous data control. Additionally, digitalization offers enhanced personalization through analysis and simulation tools tailored to individual needs, which is especially valued by financial advisory professionals.
- 📲 Simplification of administrative procedures
- 🛠️ Effective simulation and advisory tools
- 🔐 Increased data security and real-time access
- 🚀 Faster processing times
- 🤖 Automated contract management
| Advantage | Impact on distribution |
|---|---|
| Accessibility | Available 24/7 via web & mobile interface |
| Personalization | Investment scenarios tailored to the client profile |
| Responsiveness | Fast processing of requests and contributions |
| Compliance | Strict adherence to GDPR rules and insurance standards |
The fiscal and financial advantages of the new PER by Generali and Monaliza
In terms of retirement savings, fiscal advantages are a key tool for encouraging long-term wealth accumulation. The Monaliza Optimal Retirement PER fully exploits legislation stemming from the Pacte law, offering deductible contributions from the insured’s taxable income. This provision is particularly attractive for liberal professionals and independents subject to demanding tax regimes.
At the time of withdrawal, the contract offers several options: capital or lifetime annuity, with the choice of imposition depending on the mode of exit. This flexible choice is a significant advantage for optimizing retirement management and income perception based on needs. It should be noted that this PER also allows early exit under certain strict conditions, addressing 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)
| Tax aspect | Advantage | Condition |
|---|---|---|
| Deductibility of contributions | Reduction of taxable income | Voluntary contributions |
| Taxation at withdrawal | Taxable capital or partially tax-exempt annuity | Holder’s choice |
| Early withdrawal | Possible under specific conditions | Disability, primary residence |
For more in-depth fiscal implications, see recent sector analyses here.
Economic and demographic challenges related to the development of the individual PER
The increasing importance of the individual PER in the French retirement landscape is linked to several economic and demographic factors. Demographic pressure, with the aging workforce and increased dependence on the pay-as-you-go system, makes the development of complementary solutions necessary to secure future retirees’ incomes.
The partnership between Generali Retirement and Monaliza addresses a major challenge: providing savers with effective and adaptable tools in a context where longevity and market fluctuations are constant challenges. Digitalization of processes facilitates management for diverse profiles, including independents often overlooked by traditional products.
- 👵 Aging population requiring enhanced savings
- ⚠️ Risk of exceeding public expenditure on pensions
- 📉 Need for diversification of income sources in retirement
- 💼 Meeting the expectations of financial product professionals
- 🌍 Adapting to global economic changes
| Factor | Description | Impact |
|---|---|---|
| Demography | Aging population | Strengthening personal savings |
| Economy | Market volatility | Importance of diversification |
| Legislation | Reforms of mandatory schemes | Encouragement of the individual PER |
| Technology | Increased digitalization | Improved management and tracking |
The role of financial professionals in promoting the PER by Generali and Monaliza
The success of this new PER also largely depends on the involvement of financial advisory and insurance actors. Monaliza, as a wholesale broker, primarily targets professionals wishing to expand their product range with a competitive and contemporary offer. These intermediaries play a crucial role in support, profile analysis, and personalized proposals for retirement savings management.
Furthermore, training and information are essential points to enable effective distribution. The partnership therefore includes 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 concrete response to present challenges, notably visible in mutual insurance companies facing rising costs in 2025, amplifying the need for optimized wealth management.
- 📚 Continuing education for financial advisors
- 📈 Provision of digital tools and product supports
- 🤝 Trust-based client relationships
- 🎯 Developing personalized strategies
- 🌐 Integration into an innovative digital platform
| Actor | Role | Expected Impact |
|---|---|---|
| Wealth management advisors | Personalized advice & tax optimization | Client loyalty & portfolio growth |
| Brokers | Distribution & access to the Monaliza platform | Growth 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 changes, the Monaliza Optimal Retirement PER represents a modern and flexible response. The integration of digital solutions, fiscal adaptation, and the diversity of investment supports position this product as a key element in the savings strategy of both professionals and discerning individuals.
It should also be noted that the growing influence of family offices and the search for personalized solutions for complex estates also stimulate innovation within the sector. Generali Retirement, in partnership with Monaliza, is thus preparing for the future with a tool designed to meet market challenges by optimizing risk management and long-term performance.
- 🚀 Continuous innovation in products and supports
- 🔍 Fine analysis of client profiles using artificial intelligence
- 🌱 Increasing integration of ESG criteria in investments
- ⚙️ Automation of services and improved guided management
- 🔗 Strengthened collaborations between insurers and brokers
| Trend | Description | Future Impact |
|---|---|---|
| Advanced digitalization | Enhanced customer experience | Increase in memberships |
| Personalization | Offers tailored to individual profiles | Customer loyalty and satisfaction |
| Responsible investment | ESG funds and criteria | Long-term appreciation |
| Service hybridization | Convergence of insurance & technology | Improved market responsiveness |
FAQs about the Monaliza Retirement Optimal PER
- ❓ Who can subscribe to the Monaliza Retirement Optimal PER?
This PER is open to all individuals, including employees, freelancers, liberal professionals, and the self-employed, wishing to build a supplementary retirement savings. - ❓ What are the tax advantages of the contract?
Voluntary contributions are deductible from income tax, with flexibility in taxation at withdrawal—either as an annuity or capital, based on the member’s choice. - ❓ Can previous 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 available?
Investors can choose between guided management or free management, with various supports, allowing adaptation to risk profiles and objectives. - ❓ How does the subscription and follow-up process work?
The subscription process is fully digital, secure, and quick via the Monaliza platform, which also allows real-time contract tracking.
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