How Enginy reduces the taxes its team pays on salary with Arca Digital

Enginy (formerly Genesy AI), with an average team age of 29, proves that young people do want to save: they use their employment pension plan with Arca Digital to turn up to 37% of income tax on their bonuses into indexed investment.

There is a myth that nobody wants a pension plan at 29. At Enginy (formerly Genesy AI), the AI company revolutionizing sales, they have shown that the problem is not age, but the product. It is not that young people do not want to save; it is that they want to do it in a smart, transparent and above all tax-efficient way.

The challenge: Why does a team with an average age of 29 want a pension plan?

Enginy's team has an average age of 29. A digital-native, ambitious team with a much sharper financial culture than traditional institutions believe. For them, signing up for a lifelong pension plan makes no sense. However, at Enginy they spotted two key needs:

• Financial education and first steps: The team is hungry to learn how to manage their wealth and understand where their money is invested.
• The painful bonus issue: As an AI company for sales, much of the team works in commercial roles. Nothing hurts a salesperson more than fighting for a target and then watching between 15% and 37% of their bonus vanish into income tax.

The solution: Turning taxes into indexed investment

Enginy was not looking for a financial product, they were looking for a salary optimization tool. By rolling out the pension plan with Arca Digital, they transformed how the team perceives saving:

• Bonus optimization: The results-driven team, motivated by their bonus, now celebrates their pension plan. They prefer to direct part of their variable pay to the plan rather than see it evaporate into taxes. They have understood that this is money that goes from paying taxes to being invested for them.
• Indexed product: As a tech team, they value the simplicity and efficiency of indexed products. They understand the investment strategy and feel in control of their future.
• Saver coaching: We guide them in their first financial steps, turning a static benefit into an active learning experience.

The expert's voice

"Our team has found in the pension plan a tax advantage to receive more salary thanks to tax savings." — Kai Brand, CEO at Enginy.

The indicators of success: the power of transparency

When an ambitious team understands the benefit, the numbers do not lie. The results of the first month with Arca Digital have exceeded all expectations:

• High-impact voluntary contributions: In the very first month, several employees decided to contribute more than €1,000 voluntarily from their own salary to the pension plan.
• Brakes on income tax: The team has identified the plan as the best hack to maximize their real long-term income, avoiding the immediate withholding of their variable pay.
• 100% adoption: Interest in personal finance is visible and measurable, generating a more stable, motivated and united team over the long term.

Conclusion

The Enginy case breaks the sector's mold. It shows that, for a young, goal-oriented team, a pension plan is not something that happens at 67, but a financial tool for the present, for now, for every payroll and every month. Thanks to Arca Digital's technology, Enginy has made its team earn more, save better and understand that their company truly cares about helping them capture the value of their success.

Enginy, from Arca Digital we welcome you to true financial wellbeing! No fear of success!