What is RAFP ?

The Scheme and its services

The French public service additional pension scheme (Régime de Retraite additionnelle de la Fonction publique - RAFP) is a mandatory, points-based scheme created for civil servants, whether fully accredited or trainees, working in the civilian or military sections of French central government, local and regional authorities and the public hospitals sector, as well as members of the judiciary. It covers around 4.5 million public servants.

Under the Scheme, along with their basic pension public servants receive an additional retirement benefit that takes into account the bonuses and ancillary remuneration they receive during their careers.

Creation and operation

The French public service additional pension scheme (RAFP) was established pursuant to the 2003 Fillon pension reform act, and has been in operation since 1st January 2005. 

Its operation is simple:
  1. The employer declares its employees' contributions (with the contribution rate divided equally between employee and employer, at 5% each) based on their ancillary remuneration, up to a maximum of 20% of their gross basic salary.
  2. This remuneration is then converted into points, which are multiplied by the service value of a point to give the amount of the benefit received by the employee.

Promoting public service values

Since the Scheme was set up, the board of directors has striven to put into practice its fiduciary responsibility to contributing public servant beneficiaries. Accordingly, it has developed an ambitious programme to institute a socially responsible investment policy (SRI), founded on public service values. This policy takes into account environmental, social and governance criteria in all of the Scheme’s investment decisions.