Planning for retirement can seem distant when you’re 30, especially for women whose careers may be disrupted by maternity leave or different life choices. Yet, the earlier you start, the easier it is to secure your financial future. Here is a practical guide to put all the chances on your side.
Understand the importance of starting early
Many women put off thinking about retirement until later, thinking that it’s far away or that they don’t have enough money to save. Yet, the effect of compound interest makes retirement planning from age 30 very advantageous for women: each euro invested early generates gains that grow exponentially over time.
💡 Trick : even €50 to €100 per month in a retirement plan or investment fund can make a big difference over 30 years.
Adapt your budget to your priorities
To save effectively, you must first know where does your money go.
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Set a monthly budget : list your income, fixed charges and variable expenses.
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Set an amount to save : even a small percentage of salary (5 to 10%) is enough to start.
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Reassess regularly : each change in situation (raise, maternity leave, move) can modify your financial priorities.
💡 Trick : use apps like Bankin’ or Linxo to track your spending automatically.
Thinking about broken careers and maternity interruptions
Women’s careers are often punctuated by interruptions or part-time work, which can impact women’s retirement planning. Here’s how to anticipate:
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Complete your rights : check your quarters and contributions via your online retirement account.
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Invest in complementary products : PER (Retirement Savings Plan), life insurance or investment fund.
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Automate your savings : even during maternity leave, configure automatic debits adapted to your budget.
Diversify your investments
Don’t limit yourself to just one product: diversifying reduces risks and increases the chances of returns.
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Secure investments : Livret A, LDDS to keep capital available.
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Long term investment : PEA, ETF, SRI funds to benefit from market growth.
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Real estate or SCPI : to create additional future income.
Plan for financial freedom
Planning for retirement isn’t just about accumulating money, it’s also about prepare your freedom and your life choices :
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Being able to reduce your working hours without financial stress
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Travel, train or change careers later
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Guarantee your autonomy, even in the event of family changes
The earlier you start, the more your retirement can be free, comfortable and serene.
Planning your retirement from age 30 is a freedom strategy. Even with a broken career or maternity interruptions, every euro invested early counts. The important thing is to set up a budget, save regularly, diversify your investments and anticipate life changes.
At Business O Féminin, we encourage every woman to take control of her financial future today. Retirement is not a distant future: it is an opportunity to prepare for now.
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