Retirement for autonomous: the importance to quote with strategy

Jubilación autónomos: cómo planificar tu cotización | Rivero

The retirement is one of the main worries for autonomous and small employers. Although every year the pensions update to maintain his purchasing power, there is a clear reality: no all the autonomous charge the same to the jubilarse.

It exists a maximum limit of pension inside the public system, but the majority of professionals by own account situates underneath of this level.

Why the majority does not achieve the maximum pension

Many autonomous have quoted during years by bases more reduced. This has a direct impact in the final pension, since:

The quantity depend the bases of cotización along the labour life
Also they influence the sought-after years

Like result, the half pension of the Special Regime of Autonomous Workers is used to to situate underneath of the maximum established inside the system.

What influences directly in your future pension

The most important factor is the base of cotización.
Quote by bases lower can suppose a saving in the short term, but reduces the future protection. Instead, adjust the cotización to income taller —inside the limits established— allows to improve the pension on a long-term basis.
With the current system based in net performances, is key to revise periodically the situation to take decisions adjusted to the reality of each business.

Practical steps that you can give from this time on

To improve the planning of your retirement:

It accesses to your personal area in Social Security (Import@ss)
It consults your labour life and your bases of cotización
It uses the official simulator to estimate your future pension

Take decisions with time allows to adjust the strategy and avert surprises in the future.

Schedule your retirement is not only a question of numbers, but of tranquility. Anticipate marks the difference among a pension adjusted and a more protected.
In Gestoría Rivero have our expert squad in Social Security and retirement that helps you to analyse your situation, optimise your base of cotización and schedule your future pension with security and professional criterion. It contacts with us without commitment!