Not everyone remembers having accumulated money on this account.
The transition from the retired world is always a delicate moment. Main reason: the tedious administrative procedures to be taken. Between the papers to find and those to be completed, filling your file is a long path that it is better to anticipate. Financially, it is also a new step in life since income drops mechanically, about a third, even if it can obviously vary depending on the careers. Focused on their papers and their new budget, future retirees often forget to look at an account that they have fueled throughout their professional career and that they lose the world of work left.
As soon as everyone begins to exercise a professional activity, the latter automatically benefits from an account on which money is paid every year. Not by the employee, but by the company. The latter grants 500 euros each year to each of its employees. A sum that complements salary and any premiums and/or interesting premiums. Thus, at the end of his career, it is a nice nest butt that may have been accumulated, even if it cannot exceed 5000 euros. If many of the 700,000 new annual retirees do not always think of selling this account, it is because the money it contains cannot simply be removed to be placed.
It is indeed the personal training account. As soon as you work, you buy rights to be able to train in parallel with your professional activity. Want to have new skills, change your way or even pass your license: you can do so by completely or considerably lower the note thanks to this device. But station to follow a training before the deadline.
Indeed, all those who retire at full rate, without discount, or who have reached the legal retirement age can no longer use these funds. The reason is very clear: “You no longer have the opportunity to mobilize your rights because you no longer have a professional project and you no longer need to adapt to the job market,” explains Caisse des Dépôts, an organization responsible for managing the CPF.
The State therefore considers that these rights to training should only be used within the framework of a salaried activity. For example, exit people who, for example, wish to train during their retirement to take volunteer responsibilities in an association. It is therefore necessary to anticipate and train before being officially retired.