Frequently Asked Questions – RESAVER

It is a pan-European pension fund created for researchers and their staff. Its goal is to ensure that mobility between countries is not an obstacle, allowing researchers to maintain a supplementary pension without losing rights or paying extra costs.

The European Commission launched and co-finances RESAVER with the aim of supporting the mobility of research talent within the European Research Area (ERA).

Yes, the fund is regulated in Belgium and is supervised by the European Commission and local authorities (such as the DGSFP in Spain). In addition, operational and investment management is handled by leading international providers such as BlackRock, Previnet and Deloitte.

• Full portability between countries and employers.
• Backed by the European Commission.
• Non-profit, transparent, and with no enrollment fees.
• Compatible with the national social security system.
• Flexible contributions.
• Eligible cost in EU-funded projects.

The first step is to arrange a meeting with Recoletos Broker. We analyse your situation, verify that you meet RESAVER’s requirements, and support you throughout the entire accession process, from internal decision-making to the effective implementation of the plan for your researchers.

Any public or private organisation employing staff engaged in research can join RESAVER.

No, it is not limited to researchers. Once enrolled, the organisation may register all of its staff so they can benefit from the plan.

It is a non-profit fund, fully transparent and with no enrollment costs. In addition, it is flexible in terms of contributions, and employer contributions are an eligible cost in EU-funded projects.

RESAVER is fully portable within the European Economic Area (EEA). Your account and savings remain fully intact even if you change institution or country, provided your new employer is also part of RESAVER.

No. RESAVER has no vesting periods. Contributions belong to you from day one, even if you leave the organisation after making only one contribution.

You can choose between two main options:

• Life-Cycle: The investment is automatically adjusted to your age and stage of your career (taking on more risk at the beginning and providing greater security as retirement approaches).
• Freestyle: You choose between different funds according to your risk profile.

Through the myRESAVER online portal. From this multilingual platform, you can review your contributions, see the current value of your plan, and change your investment options at any time.

The researcher has full flexibility to choose between:

• A lump-sum payment of the full capital.
• A monthly pension (fixed or variable).
• Keeping the money invested and withdrawing it gradually.

In these cases, the designated beneficiaries (or the researcher in the event of disability) receive the full accumulated value in the account.

Starting to save for retirement from the beginning of your professional career, even if it involves moving between countries, helps build financial security (as a complement to the public pension) and confidence to plan for the long term.