The Moroccan Plan d'Épargne Entreprise (PEE) is an employer-sponsored savings plan combining employee contributions, employer matching (abondement), and a tax exemption after 5 years. It is one of the most advantageous employee benefits in Morocco — the employer match is effectively free capital that boosts your real return significantly.
Both become tax-exempt after 5 years, but the PEE has a critical advantage: the employer matching contribution. If your employer offers a PEE with matching, it is almost always the best first savings vehicle — use the full matching before contributing anywhere else. The PEA is better for employees whose company doesn't offer a PEE, or for contributions beyond the PEE ceiling. Compare both in our comparator.
The Plan d'Épargne Entreprise (PEE) is exclusively for employees whose employer has signed a collective plan agreement. Its main advantage is the employer top-up (abondement): your company matches your personal contributions (often 50%–100% up to a cap), providing an immediate financial return with no equivalent elsewhere. An employee benefiting from a 100% top-up effectively doubles their savings from the very first contribution.
Joining a PEE is only possible through your employer — you cannot open one individually. Ask your HR department or payroll manager whether your company has a PEE agreement in place. If not, a plan can be set up via an AMMC-licensed asset manager in consultation with management. If you leave the company before 5 years, the vested funds remain locked until maturity or may be unlocked early under specific legal conditions (marriage, birth, disability, etc.).
Sources: AMMC — PEE regulation; Ministry of Finance Morocco — Finance Act 2026. Results are indicative — consult your HR department or financial advisor for your specific plan terms.