Why and when to carry out a retirement assessment?

The French retirement system remains complex and most employees have little knowledge of the subject. Indeed, many workers do not know their retirement age and cannot assess their future pension. \n\nTo avoid this, you can request a retirement assessment from a retirement expert to better understand your rights. So, what is a retirement assessment? Why is it important and when should it be carried out? To obtain precise answers to these different questions, continue reading this article. \n

Why carry out a retirement assessment?

\r\n\n\nThe retirement assessment remains a decision-making tool set up to allow employees to take stock of their career. By carrying out this assessment, the employee or independent professional has a clear vision of their retirement rights as well as their departure arrangements. In addition, the employee will be able to better examine and estimate the expected amount of their future retirement pension. The retirement assessment also offers the employee the opportunity to check that no omissions or errors have been introduced into their retirement statements. \n\nIn reality, periods of unemployment or student jobs are still quite common. In addition to these various aspects, this decision-making tool allows you to optimize your retirement using different mechanisms. This is the case, among others, for: combining employment and retirement, buying back quarters or early retirement. In short, the retirement assessment allows you to: \n

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• Know precisely the amount of your future retirement pension;
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• Correct any errors that may have slipped into your retirement statements;
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• Anticipate your retirement with greater peace of mind;
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• Optimize your retirement rights with multiple employment pensions, the buyback of quarters or progressive retirement;
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• Define a better end date for your professional career.
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When to carry out a retirement assessment?

\r\n\n\nEven if it is advisable to carry out this work as early as possible, be aware that establishing a retirement assessment before the age of 50 remains premature. Indeed, the systems in force may change at the time of actual retirement. This can render the conclusions of an assessment carried out prematurely obsolete. \n\nOn the other hand, a retirement assessment started a little before age 55 (this is what most specialists recommend) gives you the opportunity to implement an optimization strategy adapted to your situation. The closer the retirement age approaches, the more the studies and calculations carried out correspond to reality. \n\nYou can carry out your retirement assessment yourself. However, work carried out with the assistance of a retirement expert remains of good quality and allows you to best optimize your rights. \n\nDo not hesitate to contact this specialist to benefit from an exhaustive analysis of your situation in order to make your decisions objectively. Going through a professional for your retirement assessment requires a cost. The price often varies depending on the complexity of the career and the events that occurred during it. \n\nRead also: Pension reforms in France: The December 5 strike paralyzes France\r\n

Retirement assessment: what methodology should I follow to achieve it?

\r\nObtaining a retirement assessment requires compliance with certain stages of carrying out the study. Specifically, these steps remain as follows: \n

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• The individual interview to find out the situation and objectives of the employee;
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• Collection of information or documents necessary for the analysis of retirement rights;
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• The examination of documents and the actual carrying out of the study;
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• Submission of the retirement assessment during an interview between the insured and the retirement expert.
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\nThere are also other services complementary to this report such as the redemption of quarters or the establishment of progressive retirement. \n\nIn addition, a retirement report contains your career history and a summary of your rights acquired under the various specialized schemes. This assessment also contains your retirement age (legal age and full rate), the simulation of your future retirement pensions and the compensation (survivor's pension) that your spouse will receive in the event of death. \n\nOn another level, don't forget that you can make savings efforts even before requesting said balance sheet. \n\nThat is to say, in the absence of the latter, you can start to anticipate your old age from the start of your career. This will allow you to compensate for a huge loss in standard of living, since retirement pensions remain much lower than earned income. \n\nRead also: What are the advantages of the PER and who is entitled to it\n