“The Importance of Planning for Retirement at 40, 50, and 60 Years Old”

There are various ways to retire. To avoid unpleasant surprises, it is advisable to start evaluating all the alternatives much earlier.

The pension system is constantly evolving and, for this reason, it is very difficult to estimate when and how you will retire.

Considering the many changes in recent years, however, it would be timely start evaluating all available options, as early as 40, 50 or 60 years old. The problems are numerous and, for this reason, it would be advisable to plan one’s “old age” well in advance, starting with ways to retire or to continue working even after a certain age.

Thinking about retirement already at 40? It’s the right age

It’s true that 40 is still considered relatively young, but it’s the perfect age for decide what to do with your professional life. In fact, one should be aware of one’s own skills and the way in which they can be made available on the labor market.

At this stage, it is very important to start thinking about your future retirement as well how to accumulate contributionspossibly resorting to supplementary pensions. It is essential to plan in advance and carefully evaluate the various possibilities.

The prospects of the labor market for the fifties

A 50 years old if there is one well established career and it’s the perfect time to understand how long you intend to continue working, evaluating the forms of early retirement available for employees or freelancers.

It is essential to weigh one’s choices, taking into account the work skills acquired. In fact, if one’s skills are sufficient, one can continue and, at the same time, further expand one’s knowledge, to achieve a better professional balance.

“When you manage to make your key competence last over time by feeding it with updating and cross-market knowledge, then age is relative“. With these words Alessandra Giordano, Employability and Career Development Director of INTOO (Gi Group Holding)encompassed the importance of learning to be aware of one’s professional knowledge.

This is the distinctive element, at 50, together with a series of values ​​that are always highly appreciated, such as a sense of responsibility and reliability.

On the subject of retirement, one must certainly keep one’s situation under control and act if there are anomalies relating to the contributory life. If you have continuity of contributions, in fact, you can take into consideration all the alternatives provided by law. Otherwise, it would be advisable to intervene promptly, perhaps by evaluating other ways, such as the redemption of the degree.

Is 60 the best age to retire early?

A 60 years you think of one retraining of professional life (perhaps by designing a new business or approaching the third sector) or the pension. If you have diversified your knowledge over the course of your career, there is an excellent chance of retraining your working life.

From a pension point of view, one could proceed with the payment of voluntary contributions if, for example, there are a few years or months left before the requirements for early retirement ordinary, i.e. (until 2026) 41 years and 10 months, for women, and 42 years and 10 months, for men.