Impossible to escape it. “You have to prepare for the shock: your retirement pension will be more or less twice as low as your last earned income”, warns Ludovic Herschlikovitz, the founder of Retraite.com. Many investments, PER in the lead, help to raise the bar. But there are other solutions to optimize your pension, such as buying back quarters or combining employment and retirement. Phased retirement does not provide any financial benefit, but it allows for a smooth transition.
The redemption of quarters: aim for the full rate
It is possible to buy back up to twelve quarters of contributions in order to reach, when the day comes, a full pension. “You have to consider it around the age of 60. There is no point in going about it too early, because you run the risk of regulatory change which would call everything into question”, explains Ludovic Herschlikovitz. Years of study or incomplete years of work can be redeemed, at a cost of between 3,000 euros and 6,000 euros for each term.
Source: Challenges en temps réel : accueil by www.challenges.fr.
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