Individual Systematic Savings Plans (PIAS)
Savings Plans
A long-term savings solution designed to help you build a solid financial future. Our AXA savings plans, including PIAS (Individual Systematic Savings Plans), allow you to create a financial cushion with total flexibility, contributions tailored to you and tax advantages designed to maximise your return.
Build your future and that of your family
Whether you want to supplement your retirement income or save for personal goals, pay for your children’s education, take out a mortgage or build capital for the future, PIAS allow you to save at your own pace, with tax advantages and total control over your money.
- Tax benefits
- Absolute availability of your savings
- Contribute at the pace you want
- The security of a leading insurer such as AXA
What is a PIAS?
An Individual Systematic Savings Plan is a long-term savings product that combines the security of life insurance with the profitability of savings plans. Its objective is to help you build wealth through regular contributions that accumulate and generate interest over time.
In other words, it is a flexible savings vehicle, designed so that you can contribute at your own pace and without rigid commitments. In the long term, it allows you to use the accumulated capital to meet your financial goals or supplement your retirement with complete freedom.
Benefits of savings plans (PIAS)
A major benefit of PIASs is their favourable tax treatment. If you hold the product for at least five years and redeem the accumulated capital in the form of a life annuity, part of the profits will be tax-exempt.
Flexibility and control over your savings
Unlike traditional pension plans, PIAS are not subject to strict redemption rules. You can access your money at any time if you need it, without having to justify special circumstances.
You decide how and how much to contribute. You can start with small monthly amounts and increase them as your financial situation improves. You can also suspend contributions without penalty and resume them whenever you wish.
Tax benefits
One of the great attractions of PIAS is their favorable tax treatment.
Flexibility and control
You can access your money at any time if you need it, and contribute at the pace you want.
Secure your future
They function as life insurance; in the event of death, your family will enjoy additional protection.
PIAS savings insurance
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Frequently asked questions about our insurance policies
Who is a PIAS suitable for?
It is a good option for people who want to save consistently and flexibly, without rigid commitments and with the possibility of accessing the money in the long term. It is ideal for those looking to plan for their retirement or build capital for future projects.
Can I make contributions whenever I want?
Yes. PIAS savings plans allow you to make regular or one-off contributions, depending on your preferences and savings capacity. This flexibility allows you to adapt the plan to your financial situation at any given time.
What tax advantages does this type of product offer?
One of the main advantages is that returns may be exempt from taxation if certain requirements are met, such as maintaining the plan for a minimum period and receiving the capital as a life annuity.
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