About EpargneMalin.fr
Mottalib Radif
Founder of EpargneMalin.fr | INSEAD MBA
With an MBA from INSEAD and a passion for personal finance, I created EpargneMalin.fr to provide French savers and expats in France with free, transparent and independent tools. My goal: democratize access to quality financial information, normally reserved for clients of wealth management advisors.
With 53 simulators, 200+ guides and 5 comparators covering the full investment spectrum : life insurance, PER, stocks, PEA, SCPI, real estate, savings accounts, cryptocurrency and tax optimization : EpargneMalin.fr has become a reference for savers who want to understand before investing.
EpargneMalin.fr is an independent financial information site covering all investments and strategies in France: life insurance (assurance vie), PER retirement plans, PEA stock savings, SCPI real estate funds, savings accounts, cryptocurrency, tax optimization and online banking. Our mission: make savings accessible and understandable for everyone in France.
Our methodology
Every simulator and article published on EpargneMalin.fr follows a rigorous methodology ensuring the reliability of information:
Official sources
- BOFiP (Official Tax Bulletin) : Basis of our tax documentation
- DGFIP (French Tax Authority) : Tax brackets and ceilings
- Insurance Code : Life insurance contract regulations
- FFA (France Assureurs) : Market statistics and data
- ACPR (Prudential Supervisory Authority) : Supervisory data
Editorial process
- Research : Identification of primary sources and cross-verification
- Writing : Drafted by personal finance specialists
- Review : Proofread by a tax expert
- Updates : Systematic revision with each Finance Act
Calculations and simulators
Our simulators use official formulas and current tax schedules. Every calculation is documented and transparent. Assumptions are clearly stated and model limitations are explained.
Our commitment
- Independence : No financial ties with insurers or asset managers
- Transparency : Sources cited, methodology documented, limitations explained
- Timeliness : Content updated with each legislative or regulatory change
- Education : Clear explanations without oversimplification, with concrete examples
Important disclaimer
EpargneMalin.fr provides general information and simulation tools. Our content does not constitute personalized investment advice under French AMF regulations. For any investment decision, we recommend consulting a wealth management advisor (CGP) or a financial investment advisor (CIF) duly registered with ORIAS.
Contact
For any question, suggestion or error report:
Email: contact@epargnemalin.fr
Our story and mission
EpargneMalin.fr was born from a simple but concerning observation: in France, millions of savers subscribe to life insurance contracts every year without the information they need to make an informed choice. The savings sector, particularly life insurance, suffers from structural opacity that benefits financial intermediaries at the expense of savers. Hidden fees, opaque returns, neglected beneficiary clauses, misunderstood tax rules: the pitfalls are numerous and costly. Our mission is to make this information accessible, understandable and free for everyone, regardless of their level of financial knowledge.
The project started with a modest goal: creating a reliable life insurance return simulator capable of accounting for compound interest, real fees and applicable taxes. Given the enthusiasm this tool generated, we gradually expanded our offering to cover all long-term savings topics: PER simulators, contract comparators, tax guides, estate planning tools. Today, EpargneMalin.fr offers over fifty simulators and hundreds of articles, all designed with the same commitment to rigor and accessibility.
Why independence matters
In the life insurance sector, most information websites receive referral commissions when a visitor subscribes to a contract through a commercial link. This business model, perfectly legal, creates a structural bias: the site has an interest in recommending the contracts that pay the best referral fees, not necessarily those most advantageous for the saver. Referral commissions vary considerably from one contract to another, which can invisibly influence rankings.
EpargneMalin.fr has chosen a different model. We receive no commission from any broker or insurer we analyze. Our funding relies exclusively on contextual advertising (Google AdSense), which has no connection to the contracts we recommend. This financial independence allows us to rank contracts solely on the basis of their objective characteristics, without any commercial consideration.
Recommended additional resources
- BOFiP (bofip.impots.gouv.fr) : The official reference for all tax questions in France.
- ACPR (acpr.banque-france.fr) : The Prudential Supervisory Authority oversees insurers and publishes data on their financial health.
- AMF (amf-france.org) : The Financial Markets Authority offers educational resources on savings and investment.
- France Assureurs (franceassureurs.fr) : The professional federation publishes annual life insurance market statistics.