Wrong: the state funds/agencies themselves recommend and propose extra (non obligatory) pension funds on top of obligatory social charges because, as they warn

Wrong: the state funds/agencies themselves recommend and propose extra (non obligatory) pension funds on top of obligatory social charges because, as they warn every French working, return on social charges is forecasted to steadily decreases over the years. (Aging population: less people working to pay for more retirees)