The first retirement savings account for entrepreneurs and the self-employed! 🔥

What are the advantages?

• A flexible pension account that adapts to you. 🤸
  Payments are free, flexible, adjustable with a click from your personal space, and there are no fees.
• A pension account that allows you toact for tomorrow's world by benefiting today. 🎉
  Your payments into your account allow you to reduce your income tax. 
• You finance impact causes without sacrificing your financial performance. 🌱
  Selected funds are Greenfin and Finansol-labeled, meaning they finance projects that promote sustainable development and solidarity.
• We're with you all the way to retirement. 👨‍👩‍👧‍👧
  You're in control, but we're there when you need us: if your professional status, job or family situation changes...
• A pension account to support your life projects. 🏠
  In the event of major projects or hard times, your savings can be released early (purchase of main residence, end of unemployment benefits, etc.).

Start a simulation

What's the difference with life insurance?

These are 2 different investment envelopes, not necessarily opposed to each other.
They are two savings products that can be complementary.

The main differences concern taxation and exit conditions.
With the PER (Plan Epargne Retraite), you can deduct the amounts invested from your income as soon as you sign your contracts, which is not the case with life insurance.

While money placed in a retirement savings account can be used before retirement, the conditions for unlocking it are different from those for life insurance.

What type of contract is taken out through the Caravel pension account?

The Caravel pension account is a PER Individuel assurantiel.
It operates in the same way as a multisupport life insurance policy, and offers the possibility of investing in a euro fund (in which the capital is guaranteed) and units of account on the financial markets (risky investment funds).

It enables you to save during your working life, to obtain a capital sum or an annuity when you reach retirement age. It works in two stages:

1. A savings phase (known as the accumulation phase): this is the period during which you contribute by making regular payments.

2. An annuity phase (known as the rights settlement phase): which takes place from retirement age under certain lump-sum payment conditions, or earlier under certain conditions described below. 

What documents do I need to provide to Caravel?

To subscribe to the Caravel retirement savings account, you will need : 

• Identity document (valid identity card, passport or residence permit)

• Proof of address (Internet, telephone, water or electricity bills)

And that's all there is to it! What's more, you can sign the contract online.

To get started click here

How does it work?

1. Open your pension account in minutes, free of charge and with no paperwork. 🏃
2. Build up your pension account: you can define your payments freely or on a programmed basis. 💰
   Modify them at any time, free of charge, from your account.
   You can also transfer funds from your previous retirement contracts (PERP, PERCO, Madelin, etc.).
3. Each year, deduct the amounts paid from your taxable income. 📊
4. Your savings are invested in accordance with your plan in sustainable investment vehicles. 
5. Your money works for you. Caravel works the magic of compound interest. You can follow its evolution from your personal space, optimize it or stop it at any time. 🕹️
6. Get your money back when you retire, or much earlier if you need it, for the purchase of your principal residence, or in case of hard times. 💶

Our partner offer? 

When you open an account, enter the code ANYTIME and get 3 months of free fees! 🎁
(Fees are applied per quarter, so this amounts to a full quarter free).