Retirement: don’t forget this service which allows you to find all your savings contracts

The “My retirement savings” tool offers you a complete view of all the additional retirement savings contracts of which you are a beneficiary. The opportunity not to miss out on a source of future income, of which you are sometimes unaware.

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What if you were, without knowing it, the lucky beneficiary of a retirement savings contract? A product which, subscribed to by your employer or yourself, can allow you to considerably increase the amount of your income once you leave working life. And a financial windfall including many French people sometimes forget the existence. An oversight, incomplete information from your company, the loss of documents, a move or a change of job… So many reasons which explain the billions of euros currently lying dormant in these additional retirement savings products.

Based on this observation, the site info-retraite.frwhose primary mission is to inform you about your rights in compulsory retirement plans (basic and supplementary), has launched since July 2022 the “My retirement savings” service. A tool which currently lists 16.6 million contracts and all the useful data associated with these products, such as the name of the beneficiary, the contract manager, its opening date and, since April 2024, the sums accumulated therein . “The first step in the fight against non-recourse to rights is good information”explains Thomas Tracou, communications director for the public interest group (GIP) Union Retraite, which brings together all compulsory retirement organizations.

You are not safe from a very pleasant surprise

But what products are we talking about here? In total, 15 different contracts, individual or collective, are listed in “My retirement savings”. Namely the Madelin, Madelin agricole, Perp, Préfon, supplementary pension for hospital workers (CRH), Corem (or UMR Corem), article 83, article 82, article 39, pension fund for local elected officials (Fonpel), pension fund for local elected officials (Carel), mutualist combatant pension (RMC) as well as compulsory (Perob), collective (Pereco or Perco) and single (Peru) retirement savings plans. Note that if you think you are the beneficiary of a life insurance contractan envelope is not strictly speaking an additional retirement savings contract, the approach is different.

To find out if one or more contracts have been taken out in your name, nothing could be simpler. On the info-retraite.fr website, once connected to the France Connect service, click on the “My retirement savings” tab. If you are the beneficiary of a contract, all the necessary information will be communicated to you to then contact the product manager. And you are not safe from a pleasant surprise. “In 2023, almost one in five people who used this service discovered that they were the beneficiary of an additional retirement savings product”rejoices Thomas Tracou.