M@rel step by step: easily simulate your phased retirement

Do you want to gradually reduce your working hours while maintaining your standard of living? The official info-retraite.fr simulator allows you to accurately project your pension entitlements. However, you need to know how to configure it correctly. This article guides you step by step to successfully complete your first estimate, understand the eligibility requirements, and use the results effectively. You will also find a stepping stone towards more in-depth wealth management support. on the Auguste Heritage website.

Why use M@rel to prepare for a phased retirement?

The phased retirement scheme now allows, under certain conditions, the liquidation of a portion of your pension while maintaining part-time employment. M@rel automatically calculates the pension + salary combination tested at each starting age.
In just a few minutes you will get:

• the gross monthly amount paid by your plans
• the date on which you reach the full rate
• the income gap between a traditional departure and a gradual exit

Having this numerical data is essential to deciding on a work rhythm adapted to your needs.

Prepare your file before starting the simulation

Before clicking on "Access the simulator" in your account My retirement estimateGather:

1. Your career statement Downloaded from the portal. Check that no employment periods are missing.
2. Your three most recent payslips in order to confirm the annual revenue base.
3. The amounts invested in a Retirement savings plan or an life insurance if you wish to include personal savings in the projections.

These documents will help you avoid approximations and limit the risk of error.

Simulate your phased retirement step by step with M@rel

1. Go to the site info-retraite.fr and connect using France Connect
2. Go to My retirement estimate and Access the simulator
3. In the simulator, open Customize my estimate then check that your main professional situation is marked In activity.
4. If you have already 60 years et 150 quarters or more, a green insert " Simulate my phased retirement " appears. Click on it.
5. Indicate the entry date and the activity rate (40% to 80%). M@rel immediately calculates your partial pension and the income from your work.
6. Next, activate the advanced settings to provide information on the annual evolution of salary, any buybacks of quarters and your scheduled payments.
7. Validate and download the PDF reportYou can then pass it on to your advisor to refine the strategy. on the Auguste Heritage website.

Important: keep in mind that M@rel remains a projection toolThe final amounts will always depend on your declarations and future regulatory developments.

Access or not the "phased retirement" button in the new interface

Some users do not see the green box. The reasons are limited to three cases:

• Insufficient age or length of insurance coverage : if you are not yet 60 years old or have 150 quarters of contributions, the option remains invisible.
• Several declared activities : active micro-enterprise or umbrella company on the side. Temporarily remove the secondary activity, restart the calculation and then add it again.
• Inactive status : parental leave or leave of absence. The simulator requires an "Active" status.

If the option remains unavailable, you can still add several starting ages to visualize the progression of the gross amount and prepare your decision. Update the simulation every year : a salary increase or a purchase of quarters can reveal the insert as soon as the thresholds are crossed.

Leverage the results to optimize your wealth management strategy

The simulation gives you a clear view of your future income with et without gradual retirementCarefully compare the two scenarios to determine the level of additional savings needed to preserve your purchasing power.

To translate these figures into concrete decisions (choice between an individual retirement savings plan, life insurance, or purchasing additional pension credits), rely on the advice of a wealth management professional or the educational resources provided by your pension schemes. These will help you assess the tax implications of withdrawals, manage asset allocation, and reduce the amortization period for a potential redemption.

Good practices and pitfalls to avoid

• Do not validate a simulation without having corrected all career anomalies; a missing quarter can reduce your pension by several tens of euros per month.
• Refresh Your simulation each year: salary changes, contributions to your PER and legislative changes may modify the projections.
• Test several activity levels (80%, 60%, 40%) in order to identify the balance point between free time and maintaining income.
• Integrate your investments In the overall calculation: capital available at the time of the transition makes it possible to compensate for the salary reduction linked to part-time work.

By following this step-by-step guide, you'll get the most out of M@rel, secure your projections, and transform that data into informed decisions. This will give you a reliable roadmap for planning a smooth, optimized, and phased retirement that aligns with your life goals.

The information presented in this article is for informational purposes only and does not constitute personalized financial, tax or wealth management advice.