Have you started preparing for your retirement? It is never too early to get started and in order to be sure of receiving your pension on time, it is important to respect a certain number of rules, underlines the specialized site Mieux Vivre-Votre Argent. Three stand out in particular, according to our colleagues, and are generally universal. The first consists of taking the time to take stock of all the acquired rights and therefore to identify any weaknesses in one’s career as well as the pitfalls that could arise when leaving, so as not to have to suffer from miscalculation after liquidation. To avoid any problem of this kind, the easiest way is to go through the Info-retraite.fr portal. Of course, you also have to identify the right date to put an end to your career… which will depend on a series of specific criteria, which Planet has already had the opportunity to list. Finally, it is also necessary to take into account the time required for the proper processing of the departure request. In general, these do not exceed six months.
Of course, it is also possible to prepare for retirement by taking advantage of your savings. Going through retirement savings offers a number of significant advantages, such as the possibility of benefiting from a supplementary pension after the cessation of activity. In some cases, it is also possible to work on his estate. Depending on the objectives, and the resources that can be set aside, the solutions may vary.
“In practice, the choice of savings product will depend on the age of the saver, his income… If these are high, he has every interest in turning to the PER, which allows him to benefit from a tax benefit. Otherwise, the PER remains interesting, since it makes it possible to block the money, except for specific exceptions, until retirement”, analyzes from the outset the economist Philippe Crevel, for whom the plan of Retirement savings appear to be a sensible response, including for households that cannot save more than 100 euros per month. “They won’t get all the benefits of PER, but the product has other strengths,” he argues.
“Preparing for retirement suggests having recourse to long-term savings, whether you can put 100, 300 or 1,000 euros aside each month. Therefore, some investments are more relevant than others, but the PER is always judicious”, continues the director of the Cercle de l’Epargne, who nevertheless suggests some alternatives. “Life insurance, often more flexible than the PER, is quite similar to it. When you cannot save a lot and if you want to secure the amounts invested, it is better to avoid units of account… which means opting for funds in euros. It is a flexible product, which allows the saver to keep control of a possible outflow of money and to prepare his succession”, he judges.
Of course, there is also stone which, thanks to SCPIs, is now very accessible. “Including for households who cannot put more than 200 or 300 euros aside”, confirms Philippe Crevel. “It is not, however, a particularly liquid product: you have to sell it and make a capital gain to hope to recover your money, or opt for rental. Moreover, it is a good investment but it is not immune to all crises”, he concludes.
“Inflation erodes incomes and pensions. From then on, it becomes essential to build up an additional income, since you will inevitably receive less when you leave, if the phenomenon persists”, Philippe Crevel’s entry into the game, who does not fail to recall that the increase in price is also not without impact on the performance of the products chosen.
“To avoid suffering too much from inflation when saving money, there is only one solution: you have to accept to take risks. This means buying shares – you have to take advantage of the fall in prices to pay less for them -, opting for paper stone, real estate in general…”, continues the expert, who is aware that this kind of solutions proves to be more difficult to implement for the most economically vulnerable French women and men.