A pension expert explains that the use of a device before her departure is often useless.
Leaving to retire earlier, a sweet dream caressed by all French people. After forty years of work, the closer the end of work, the more the latter is languished. And if many would like to abbreviate their end of career, this is unfortunately not possible, except to leave your job and find yourself without income from work.
If it takes more than 62 years to touch a pension, it can be reduced if the number of quarters contributed is not enough. To complete the missing quarters and touch its full board, without having to work more, several systems exist. Among which, the acquisition of years of study. But beware of the famous “good plan”.
Concretely, a future retiree can pay money to retirement insurance and the latter will grant him additional quarters, for his training. This has a cost, higher or lower depending on the age at which this takeover. But it is not always advantageous.
“Everyone has no interest in doing so”, plant, from the outset, Valérie Batigne, founder and president of Sapiendo. This consulting firm in the preparation of retirement has a wise eye on the question and twists the idea that it is necessary to quickly buy back its years of higher education to gain quarters.
“There is an interest in buying your years only if you retire without all its quarters,” said the manager. Otherwise, it is useless because “that will not give more rights.” Impossible, by this system, to leave earlier or to increase the amount of his pension and accumulating “bonus” quarters in addition to those acquired by his years of work. Even if the cost is less when the acquisition is made young, “there is no interest in rushing.” Better to wait for his end of career to decide its relevance.
However, among the thousands of files dedicated by her company, Valérie Batigne sees cases where future retirees have bought one or more years of study, while they have all their quarters to retire at full rate. “All these people had no interest in doing so.” According to him, “many people buy it for nothing.”
In addition, for those who are missing quarters to touch the full rate retreat, it is sometimes preferable to wait until the full rate automatically arrives at 67 years rather than buying quarters. Passed 55 years, the cost is high and it is not always financially advantageous, even if the repurchase of quarters makes it possible to reduce the amount of its taxes.