If you are looking for a real life income supplement, why not buy back your “missing” quarters and improve your mandatory retirement, rather than take out a savings product with random returns?
For savers in need of tax exemption, the result will be the same.
Upon entry, the sums paid to redeem quarters are fully deductible - with no deduction limit - from your taxable income.
And, on leaving, the retirement supplement that you will obtain will be taxed under the same conditions as an annuity from an individual retirement savings plan (PERin).
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Be careful, you should only consider this operation if you want to retire from age 62 and know that you will not have the number of quarters sufficient to obtain your retirement at full rate.
Conversely, if you have decided to play extra time, the buy-back is not made for you since from the age of 67, your retirement will be calculated at the full rate, whatever
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