What retirement awaits you if you work as a freelancer?

What retirement awaits you if you work as a freelancer?

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Don’t believe everything you’re told: Being employed doesn’t rule out the benefit of retirement. Depending on your status, you will receive a specific pension. But no matter your condition, there are two independent contribution plans. We’re erecting in preparation for your independent retirement!

Your independent retirement depends on your situation

As a freelancer, you have the choice of legal status of your choice.

You can either train under your own name or start a company. Therefore, you can rely either on the Self-Employed Scheme (TNS), or on the Integrated Employee Scheme. It all really depends on your condition.

>> Creating a company or association, managing billing and drafting the articles of association: Entrepreneurs, all our services to support you in your efforts

If you own a sole proprietorship, or if you choose the small business option, or if you are a co-director of EURL or a majority manager of a SARL, you are a self-employed worker (TNS). Concretely, this means that you are covered by Social Security for the Self-Employed (SSI) if you are a merchant or craftsman.

Please note that there are exceptions. For example, you contribute to the National Old-Age Insurance for the Liberal Professions (CNAVPL) if you are liberal.

En revanche, si vous êtes rémunéré en tant que président ou directeur général d’une SASU, gérant minoritaire ou égalitaire d’une SARL ou encore gérant non-associé d’une EURL, vous don êtes assimilé salarié et vous et vous Social security.

As a salaried employee, you benefit from a more protective system.

Freelance Contribution System

As a self-employed worker, you, like an employee, must validate your place of residence in order to receive a pension. These are the bodies that finance your social protection. The validation of your quarters depends on your turnover.

Additionally, regardless of your independent status, you must contribute to two different pension plans: a basic pension plan and a supplemental pension plan.

>> Creating a company or association, managing billing and drafting the articles of association: Entrepreneurs, all our services to support you in your efforts

The basic pension system is based on your salary, the number of your validated quarters, and the retirement liquidation rate, while the supplemental pension system operates on a points system. Thus, you must have validated between 167 and 172 quarters (depending on your birth year) to be able to retire at 62. Otherwise, you would have to wait 67 years.



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