Significant Growth in Employee Savings and Retirement Plans in the First Half of 2025
The AFG has released its semi-annual survey showing a significant increase in the amounts of employee savings and collective retirement plans as of June 30, 2025.
Overview of Savings and Retirement Balances
As of June 30, 2025, the total balances of employee savings and collective retirement savings reached 220.7 billion euros, marking an increase of 11.5% compared to June 2024. Contributions during this period totaled 16.3 billion euros, up by 1.1 billion euros from the previous year. Moreover, the net inflow amounted to 5.2 billion euros, representing a growth of 11.7% compared to June 2024.
Growth in Collective Retirement Savings
The collective retirement savings segment, including PERCO and PER Collective, recorded a growth in balances of 12.9% over one year, reaching 36.7 billion euros. The number of companies offering these plans also increased by 9%, from 231,100 in June 2024 to 251,800 in June 2025. The gross collection for these plans increased by 9.8%, reaching 2.8 billion euros. Finally, the net collection stands at 1.8 billion euros, an increase of 11.4% compared to the previous year.
Widespread Adoption of Savings and Retirement Plans
In June 2025, 429,600 companies were equipped with employee savings and retirement plans, representing an increase of 5.6% compared to the previous year. The total number of savers also increased, from 12.8 million in 2024 to 13.3 million in 2025, an increase of 3.5%. These figures illustrate a growing adoption of employee savings and retirement plans among companies and their employees, contributing to the financing of the economy and the preparation for the savers' future.
