Question to an expert
For the calculation of my retirement, will the income of my last year of career count towards my best twenty-five years?
For the calculation of the retirement of the general scheme – the basic pension of employees, craftsmen and traders – will be taken into account only the income, revalued, of the best twenty-five years. In the case of a career that is only ascending, it will often be the last twenty-five.
What about the very last one, the one at the start? Even if it is among the best, it will only be taken into account if it has been completed in full. Hence the interest sometimes in waiting for the 1er January to retire …
The positive impact on the amount of the pension will be all the stronger if this last year makes it possible to “leave” from the calculation a year during which the remuneration received was much lower and which, otherwise, would greatly weaken the average of the twenty- best five years.
Let us imagine a senior earning 40,000 euros the last year, and who would thus “come out” of his best twenty-five years a year at 10,000 euros. The effect on his monthly basic pension would be a gain of 50 euros. Or, compared to a life expectancy of 20 years, an additional retirement budget of 12,000 euros.
Not to mention that, beyond this issue directly concerning the basic pension, postpone its retirement date of payment by a few months, until the 1ster January, will allow you to keep your remuneration for a longer period of time, undoubtedly much higher than your retirement level, and to continue to generate, through contributions, entitlements in quarters and in supplementary retirement points, which will also increase the future level of pensions. . It can also represent a few tens of euros of additional retirement per month, for life.