This is a question that you have probably already asked yourself, and especially if you are approaching retirement. What will be the amount of your pension Compared to your current salary? A ratio which has the name “replacement rate”, an indicator studied each year by the pension orientation council (COR). The last report of this body, published on June 12, also specifies that this replacement rate is displayed “During generations”going from around 75% for a non-rowing of the private sector born in 1960 to less than 68% for the 2000 generation.
But this is only one example among others, far from being representative of the pension that each worker will receive once in retirement. First of all because, as the corners of the horn explain in their annual report, “As a general rule, replacement rates are all the higher as remuneration is low”. Thus, a non-framework or A woman who had two children will have a replacement rate greater than a framework. Another parameter to be taken into account: in the public service, premiums are not taken into account in the calculation of retirement. So, “A framework with a low premium rate will have a replacement rate at the age of the full rate higher than that of a less remunerated sedentary B official B but benefiting from relatively greater bonuses”underlines the horn.
91.9% for a mother of two children who retired at 67
Finally, the age of departure also has for the amount of retirement. “For all standard cases, postpone retirement after the age of rights increases the replacement rate”logically notes the document.
But then, what does a worker get once retired? A non-row, if he decides to liquidate his pension at the legal departure age, 62 years and 9 months for a person born in 1963, will receive 75.2% of his last salary, a ratio which climbs to 87.2% if he waits for theAge of cancellation of the discount (67) to leave. Note that a non-framework that has undergone periods of unemployment will only benefit from a replacement rate of 63.4% by retiring at 67 years, against a maximum ratio of 91.9% for a non-framework woman mother of two children. As for the private sector who works until the discount is canceled, he will be able to claim 58.8% of his last salary once it is retired.
Side public servicehere again, the percentage of the last salary affected in retirement varies strongly according to the profiles. For a category B civil servant born in 1963 which liquidates his pension at 62 years and 9 months, the average replacement rate emerges at 60.2%. By working for 4 years and 3 more months until the age of cancellation of the discount, this ratio increases to 72.1%. Illustration of the impact of premiums in the calculation of retirement, the replacement rate is much higher for a category A civil servant with a very low rate of premiums (15%) in remuneration compared to an agent whose gross salary at the end of his career is made up of 44% of these gratuities. Pending its 67 years to liquidate its pension, the first will receive 81.4% of its last activity income, against 51.4% for the second.
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