Retraite Active, your retirement savings

Build a supplementary pension at your own pace

Retraite Active is a retirement savings plan for self-employed professionals in Morocco offered by BANK OF AFRICA. This flexible solution helps entrepreneurs and freelancers build long-term capital through regular or occasional contributions, allowing them to prepare their retirement with confidence.

Designed to adapt to independent professionals, this plan enables you to gradually accumulate savings and create a supplementary pension for freelancers in Morocco. Contributions are flexible and can be adjusted according to your financial situation, making it an ideal retirement plan for variable income self-employed professionals in Morocco.

After eight years of contributions, the plan also provides attractive tax advantages, helping you optimize your long-term retirement savings.

Key benefits of Retraite Active

With Retraite Active from BANK OF AFRICA, entrepreneurs and independent professionals benefit from flexible retirement savings for entrepreneurs, helping them prepare a comfortable and financially secure retirement.

Flexible contributions: increase, reduce, or temporarily suspend payments
The possibility to change the contribution frequency according to your needs
The option to pledge accumulated savings to obtain a loan
Total or partial redemption of the savings at any time

Your questions, our answers

Any employee or professional, whether or not affiliated to a pension plan, aged between 18 and 60.

The subscriber undertakes to make periodic payments (minimum of MAD 200 per year) or exceptional payments (minimum of MAD 1,000). The subscriber can at any time change the periodicity, he also has the possibility to increase, reduce the contributions or suspend them.

The subscriber may redeem all or part of the savings accumulated under conditions relating to the duration of membership.

The subscriber can choose between 4 options. He can choose a total payment of the constituted savings, or obtain a life annuity also reversible on the spouse in the event of premature death, or choose a certain pension over a period of between 10 and 15 years. The subscriber can also create a combination of the options mentioned.