We will never have talked so much about retirement as during this presidential campaign! One thing is certain, the second five-year term of Emmanuel Macron will have to meet several challenges including, once again, this thorny question. Will the retirement age finally be pushed back to 64 or 65?
Laurent Berger: “The retirement project at 65 is deeply unfair”
If the details of the future reform, barely announced and already controversial, are not yet known, investors have no time to lose. More than ever, he has an interest in individually preparing for his “old days” in order to build up additional income intended to boost his future pension. The secret: get started early and know how to use the existing levers, by opting for appropriate financial solutions (PER, life insurance, PEA) and/or real estate.
1. The three best financial solutions
Created three years ago by the Pacte law, the PER is the retirement product par excellence. Subscribed individually or collectively, this investment allows you to invest in a wide range of media and above all to capitalize interest over a (very) long period. The PER is called a “tunnel” product because the saver can only recover the sums invested when he definitively leaves working life. However, the legislator has provided for six cases of early exit linked to certain major life events, such as the purchase of the main residence, disability and over-indebtedness.
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