Glossary : Letter R
Regulated savings accounts
All savings products (accounts and passbook schemes) whose operating terms and conditions are determined by the public authorities. e.g.: livret A, livret de développement durable (LDD), livret d’épargne populaire (LEP), livret jeune and so on.
Under the "Eckert" Act of 13 June 2014, return of sums from a dormant account or unclaimed life insurance policy to their legitimate beneficiary. Restitution may be carried out by the original financial institution when it is still in possession of such sums. If the sums have lain dormant for so long that they have been transferred to Caisse des Dépôts, their beneficiaries must search for them on Ciclade.fr. Caisse des Dépôts examines their claim and, if approved, the sums are returned to their beneficiary(ies).
Retirement saving scheme (PER)
Implemented since October 1, 2019, it is declined as follows:
- The collective company retirement savings plan is open to all employees of a company eligible for this plan and replaces the PERCO (collective retirement savings scheme)
- The individual PER (investment or insurance PER), open to all with the possibility of subscribing to it with a financial establishment or an insurance organization and succeeds the PERP and the MADELIN contract
- The mandatory company PER, a plan open to all employees of a company eligible for this scheme or reserved for certain categories of employees (the employees concerned are obliged to subscribe) and is the successor to the so-called "Article 83" contract.