🟢 Cómo mejorar tu PENSIÓN DE JUBILACIÓN

BOOK FACING RETIREMENT (Digital Edition): https://www.laboroteca.es/comprar-de-... On November 21, 2025, at 5:30 p.m., I will be in Madrid at Espacio Maldona, Calle Serrano 104, giving an interview about the present and future of pensions and presenting my new book, "Advance Your Retirement." With your ticket (€15), you will receive a free book: https://www.laboroteca.es/comprar-ent... TAKE CARE OF AND IMPROVE YOUR CONTRIBUTIONS Contributions are the cornerstone of your retirement pension. Taking care of your contributions and trying to make them as high as possible is the best way to achieve a good retirement pension. There are several rights that benefit from contributions: Reductions in working hours and leaves of absence are available to care for children or family members. There is a special agreement for non-professional caregivers of dependent persons. As you all know, the subsidy provides generous contributions. Starting in 2024, it will be possible to pay contributions for paid or unpaid academic internships, which were completed at the time and for which contributions were not paid. Multiple employment increases contribution bases (increasing the financial value of these). CONSIDER INVESTING IN YOUR OWN CONTRIBUTIONS If you were contributing 3,500 gross per month, including bonus payments, and you lose your job and exhaust your unemployment benefits, but you still have 4 or 5 years left until your pension expires, you may be interested in maintaining that contribution base so that your pension doesn't decrease, even when you collect the subsidy and continue to contribute. Base: €3,500 vs. €1,726 (subsidy). Pension difference: €1,962.02 - €1,668.61 = €293.41 Investment difference: €30,739.44 Investment amortization: €30,739.44 / €293.41 = 104.76 payments (7.48 years). Age: 70.98 years. EARLY RETIREMENT VS. PARTIAL RETIREMENT If you are employed, partial retirement is usually a better option than early retirement: Early retirement at age 63: 21% penalty. Early retirement at age 63.5: 8.8% penalty. Partial retirement at age 62: At age 63 and 2 months, you are retired without penalty.