Change your life to enjoy a well-earned retirement ?
Say goodbye to your professional obligations and devote yourself at last to your own personal plans – whether it’s a trip around the world or just spending more time with your family and friends.
That’s the wish of many people in France.
HSBC has been conducting a global research programme since 2005 to analyse the societal implications of longer life expectancy, individual behaviour and retirement expectations. An approach that allows us to better understand and support you.
You don’t have to wait until 62 or 67 to retire and make your dreams come true
In principle, you are not required to work until the legal retirement age. This is simply the minimum age at which you can apply to receive your pension from the general scheme, i.e. that of private employees. Please note that the legal age, which depends on your date of birth, does not automatically entitle you to a full pension.
Please note that a reform of the French pensions system is expected in the second half of 2019, and numerous changes can be expected.
There’s no perfect age to retire: just calculations to do
• The length of time you have been contributing to your pension in relation to the required duration, which depends on the number of quarters you have been accredited.
• Your pension rate: if you have not contributed the required number of quarters, a décote (reduction) is applied to your pension.
In addition, several measures exist that make it possible to leave working life earlier and under better conditions.
A reform of the pension system is expected in the second half of 2019. Legal changes could affect your project.
Choosing the age you change your life… nothing is more personal
Understanding these mechanisms and rules precisely and estimating your future pension with our retirement simulator makes it possible to plan your retirement. But you should undertake a personalized study of your situation and your life project in partnership with a specialist.
Your HSBC adviser is at your disposal to develop a wealth strategy adapted to the date you wish to leave the workforce.
Estimate the amount of your pension with our simulator.