In a press release dated 29 September 2026, BNP Paribas Cardif announces Sélect Avenir, an employee savings and collective retirement offering designed with BNP Paribas Épargne & Retraite Entreprises.
Intended for companies with fewer than 250 employees, it is offered in the form of an intercompany savings plan (PEI) and an intercompany collective retirement savings plan (PERECOI), according to the announcement.
An offering for micro-businesses and SMEs
BNP Paribas Cardif presents Sélect Avenir as a solution intended for its partner wealth management advisers and brokers, for their micro-business and SME clients.
The PERECOI is the collective retirement component presented in the announcement, alongside the PEI.
Collective PER: understanding the announced PERECOI
The term PER is used here to identify the collective retirement component: the press release uses the full name intercompany collective retirement savings plan, abbreviated PERECOI. Review this name in the documents provided to identify the scheme offered, then keep your questions about the plan, the investment options and the tools separate.
If you are looking for an individual PER, ask for a separate presentation: this announcement concerns workplace savings.
Investment options and tools for employees
According to BNP Paribas Cardif, the range of investment options covers different financial asset classes, investment themes and geographical areas.
The insurer states that the offering includes a solution invested partly in unlisted assets.
According to the press release, employees have access to educational content, investment decision-support tools and features such as employer contribution simulations or alerts on fund values.
A simulation is an investment decision-support tool; it does not constitute an enrolment.
A process described as digitalised
BNP Paribas Cardif states that the process is digitalised from enrolment through to management.
The press release specifies that companies have access to ready-to-use documents, drafted plan rules and a dedicated portal for monitoring the scheme’s administrative and financial management.
Before making any decision, companies and employees can review the scheme documents, including the fees and risks of the investment options under consideration. This announcement presents the insurer’s offering: it constitutes neither an independent comparison nor personalised advice.
Points to ask about before making a comparison
- Ask which documents describe the plan offered to the company and which documents present each investment option.
- Ask for clarification on the fees, risks and practical arrangements for the support provided in your case.
- Use the employer contribution simulation as a starting point for asking the professional questions, then review the assumptions shown.
To compare proposals, gather the documents your contact gives you and note the points that require an explanation. This will help you distinguish the general presentation of the scheme from answers specific to your company or your situation as an employee.
