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Many employees choose the pension from 63. You can find out here for whom the earlier pension is possible.
Retire earlier? More and more people are currently doing this. The pension from 63 is popular. Of the long -term insured persons, a total of 280,000 people decided to retire at 63, such as the "Rheinische Post“Recently reported.
For many workers, the early age entry is associated with many amenities and you can turn your back on the often stressful everyday work.
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However, there are also votes against the pension from 63. The FDP argues, for example, that the early pension is too expensive and strengthen the shortage of skilled workers. After all, numerous employees leave the labor market much earlier.
If you are interested in the model of the early pension entry, you can read here what the prerequisite for pension from 63 is.
When can I retire earlier?
When you can retire depends on various factors. These include the year of birth and the insurance years.By 2031, the retirement age has gradually increased to 67 years.
From 1964 born, therefore only reached retirement age at the age of 67. However, the prerequisite is that they were insured for at least 35 years and thus reach the status of the long -term insured persons.
Only people born before 1953 could retire earlier without deductions. Therefore, there is also the concept of the "discount -free pension from 63". In the present, this is no longer possible without deductions.
For everyone whoBorn between 1953 and 1963are, the regular retirement age isat 65 years. Even then, you cannot retire without a discount if you are 45 years old, i.e. particularly long insured.
Means: Even if you were born in 1962, started working at 16 and is therefore insured for 46 years, you cannot retire prematurely. It is only when you have reached the age of 65 that the pension is possible.
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After 35 years before a regular entry age, retire: does that work without a discount?
Anyone who has been insured for 35 years and wants to retire before the regular retirement age must expect deductions.NamelyUp to 14.4 %.A 0.3 % is deducted from the pension per month that you retire earlier. Anyone who now thinks that this discount will stop when you have reached the minimum insurance time is wrong.Because the deduction remains permanently.
Nevertheless, the many employees do not seem to deter it from retiring earlier. Because the number of those who retire earlier despite deductions has increased in recent years. So more employers accept to get fewer pension covers in order to be able to retire earlier.
The decision as to whether and especially when you retire should be carefully considered. Because it has a permanent effect on your future income.
DieDeutsche Rentenversicherung has a start and pension height calculator. You will also find a lot of more information on the topic of pension here.
You can find more helpful tips on the topic of pension here:
Note at the end:Savings plan, pension scheme, stock investments-dare to dare and actively deal with your finances. Read up and get advice. So you get the best out of what you have. Your financial freedom is in your hand.
