Advantages of Private Pensions for Companies
More than 25 pension funds and constantly expanding
100% digital services from hiring to employee support
Multi-fund platform: supporting participants to diversify between moderate, conservative and sophisticated profiles
Customization: you define the benefit rules
Specialized consultancy and advice from Apex in forming the plan with the company's HR department
Hire Corporate Pension with Apex
Attract and retain talent in your company
Customize plans on a portal exclusive to your HR department
Get tax benefits
Pension Plans for Companies
Established 100%
Your company pays 100% of the investment and the employee's contribution is optional.
- Employee participation is optional
- Direct payroll deduction
- Tax benefit through the PGBL modality
Established with co-participation
Your company invests in the plan together with the employee, with proportional values or based on other defined rules.
- Employee and company participate in the plan
- Direct payroll deduction
- Tax benefit through the PGBL modality
Registered
The company does not participate financially in the plan and only interested employees contribute.
- Access to high-income funds at reduced rates
- Direct payroll deduction
- Tax benefit through the PGBL modality
FAQ
All your company needs to do is have a CNPJ and want to make this benefit and retention tool available to employees. At BTG Pactual Empresas, there is no minimum number of participants. Your company signs the contract with us and employees who want the plan open a free account at BTG Pactual Digital to enjoy all the benefits.
When investing in a Free Benefit Generating Plan (PGBL) with BTG Pactual Empresas, your company has tax incentives and can apply up to 20% of the amount to the participants' payroll and later record it as an operating expense, if you opt for Real Profit.
Corporate pension plans are benefits offered by companies to their employees, allowing them to invest in a private pension plan with special conditions. This type of pension plan can be customized according to the company's rules and offers tax benefits to both the company and its employees.
There are two main types of Private Pension Plans: PGBL (Free Benefit Generating Plan) and VGBL (Free Benefit Generating Life). In addition, Pension Plans can be classified as corporate or individual, depending on who makes the contract and who the beneficiaries are.
The PGBL (Free Benefit Generating Plan) and the VGBL (Free Benefit Generating Life) are two types of Private Pension Plans. The PGBL is recommended for those who file a full income tax return, as it allows deduction of contributions up to the limit of 12% of annual gross income. The VGBL, in turn, is ideal for those who file a simplified tax return, as it does not allow tax deductions, but is only taxed on income at the time of withdrawal.