Because it's better to take a €1,000 pension today than to postpone the exit until the hypothetical reform

Post author:California18
Post published:January 23, 2023
Post category:News
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Why it’s better to take €1,000 of your pension today-proiezionidiborsa.it

In general, the problems of the social security system for Italians are twofold. And they are both important aspects of the Italian pension system. The first is that of the requirements for leaving the world of work. Age and useful contributions are what Italian taxpayers are most looking for. Checking how to get out of work is the main factor that workers are looking for. But another aspect concerns the amount of the pension.

Also in this case a real problem, since the calculation rules which are now universal and which concern the contribution system, are penalizing. Many wonder whether or not it is convenient to leave work immediately or wait for better times, perhaps waiting for hypothetical and, in some ways, amazing pension reforms. A lot depends on each case.

Calculation of contributions-proiezionidiborsa.it

Because it’s better to take a €1,000 pension today than wait for 2024

Today to retire you have to reach a certain age which is considered retirement age for the system. In most cases you retire with 67 years of age. This, for example, is the minimum age for the ordinary old woman’s pension, but also for the social allowance which is the main welfare benefit of which the system is endowed. In 2024, various innovations are expected from a pension point of view, because there is insistent talk of a pension reform arriving. Naturally, like everything, the reform is never neutral from contraindications.

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In 2024 they could enter the scene two new pension measures. The first could be quota 41 for everyone. If it really is detached from age limits as they say, the measure will be an advantage for those who perhaps today avoid leaving work. Maybe at 63 years of age the situation improves. Matter of transformation coefficient. Better to come out in 2024 with 41 years of contributions than in 2023. This is why it is better to take a €1,000 pension and why it is more advantageous to leave work at 63 than at 62.

Quote 41, if it really is detached from age limits as they say, it will be an advantage for those who avoid leaving work today

Quota 41, if it really will be detached from the age limits as they say, it will be an advantage for those who today avoid leaving work-proiezionidiborsa.it

But if you look at the speech from another angle, postponing might not be beneficial. The striking example is that of the social APE. Even if the measure is reduced to 12 months and not to 13 (without a thirteenth month), those who leave work at exactly 63 years even with a 1,000 euro check enjoys a pension of 12,000 euros per year. Who would lose if he postpones his retirement to the following year, perhaps at 64, waiting for good news from the reform and aiming for a measure starting from 64 years of age.