You have a few years to retire, but for any reason you would already welcome a free hand in choosing daily activities. Whether it is a health, the need to care for a family member, or simply the feeling that the working cycle has been enough in life. Did you know you have two different options?
What is a pre -retirement and what is the difference between this term and an early retirement? Although it may seem to be practically the same thing, it is not as politicians would say. These are quite different ways of retiring with other conditions as well as impact on lifetime payment of old -age doses. While early retirement leads to an irrevocable reduction in state pension, pre -retirement is a much more advantageous choice. But it also has its conditions to be met.
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Premature retirement is “simpler”
Let us first look at the more often chosen early retirement. What are the conditions under which we can use this option? Actually, it is not so complicated, you do not have to have a large money in the bank, nor did you have to work in special fields, you did not even have to raise any state -set number of children. In short, you can leave early retirement three years before the age of age, when you will be entitled to a regular old -age pension.
40 years of insurance
But it is important that you get at least forty years of insurance, including the pension. It is therefore not only a gainful activity itself, but also the so -called surrogate times such as childcare, or another person who needs care, as well as military service, center and university studies, or the time for which one is registered in the “worker”.
The pension will be lower – permanently
If you meet the conditions, you can boldly take a free time. But be aware of the reduction of the pension, by 1.5 % for every 90 days you will extend the pension. In addition, you will not be able to earn more than the laws currently valid.
A more advantageous variant but with conditions
Compared to early retirement, the pre -retirement is significantly more advantageous, but it also has more complex conditions that need to be met for its acquisition. First of all: if the state pays the state of early retirement, you have to save yourself in the supplementary pension savings for the pre -retirement. It is necessary to have at least five years for contracts signed by 2024 and even 10 years for those founded later. Once you have a sufficient amount, you can go into pre -retirement. The state then determines that at least 30 % of the current average gross wage will be paid (from your) per month. In addition, you can earn money either at work or as a self -employed.
Up to five years off, but for their
Who is the pre -retirement suitable for? It can be used by those who want to slow their pace several years earlier and devote more to the family or their hobbies. However, it is necessary to count on the fact that for a two -year -old before retirement, the applicant must have 325 thousand without a few crowns, for three years of rest, 487 thousand, for four years are 650 thousand and for five years rounded 812 thousand crowns. Do you have them on your account? So go to pre -retirement…
Money you get all of
The advantage of pre -retirement over early retirement is the subsequent calculation of the amount of retirement, which in this case is not shortened. There is no reason to do so, because the previously paid money did not go from the state budget.
Are you clear about it?
Did you know about these two variants? If not, we believe that now you have a little clear. However, pensions are a very complex discipline, so it will always be good to consult with experts on this issue before you start to decide on one of the possible steps.
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