Submitting your retirement application is not just a matter of clicking a button or piling up supporting documents: the timing chosen can also have a bearing.
To find out the amount of your pension, certain periods offer more chances of obtaining a fair, complete calculation without small forgotten lines. Many policyholders don’t know it, but a poorly chosen calendar can waste a few euros each month. Conversely, aiming for a specific window helps avoid this type of disappointment.
Indeed, in the course of exchanges between funds and policyholders, one detail often comes up: files transmitted at an inappropriate time are sometimes based on incomplete data. Nothing dramatic, but enough to create a small difference in the final amount. The plans, whether basic or supplementary, do not all update annual data at the same speed. Some income arrives late in the files, other points are validated several weeks after the accounting close. The problem is that a file launched before everything is stabilized may be subject to a provisional calculation which does not accurately reflect the entire career. In this case, the adjustments arrive later, but do not always catch up with all the amounts. It is precisely this gap that some retirement advisors recommend avoiding by choosing the timing of the deposit better.
A request filed before the previous year’s income is fixed may require more manual checks, increasing the risk of error. Agents compensate for these uncertainties, but the more a file arrives during a period where the databases are not completely updated, the greater the margin of uncertainty exists. Conversely, when all the information from the past year is consolidated, the funds have a clear vision of the career, without gray areas between several plans or several employers. This is when the probability of seeing each quarter, each income and each point recorded correctly is the highest, we are talking here about the very beginning of the year.
The calculation is then done on the most complete basis possible, which can, at the margin, save a few euros each month. Nothing spectacular, but enough to make this choice strategic for those who wish to secure their departure as much as possible.
