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#TheFutureIsYours Transversal and cross-cutting issues
Pouquoi ne pas centraliser le système des retraites?
De plus en plus de citoyens européens travaillent dans plusieurs états au cours de leur carrière. Mais travailler dans plusieurs états signifie affronter un dédale bureaucratique long et complexe pour obtenir sa retraite dans chacun des états concernés. Pourquoi ne pas instaurer une gestion centrale des contributions et des retraites? Des coefficients permettraient de différencier la valeur pécunière de chaque retraite en fonction des contributions et en fonction de l'état dans lequel on réside pour sa retraite.
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How about 3 pillars? You, EU and third countries.
The individual is first and foremost responsible for his/her own financial security at old age. Save, invest and reproduce. Do not trust that other people will pay for your retirement. Retire when you can afford it. There could be an EU-wide agreement on retirement accounts for individual contributions, savings and investments, which would become tax-liable only when withdrawn from the account.
The EU pension fund could be the second pillar. If the EU collects pension contributions, taxes or other revenues, it should create a pan-European pension fund for EU citizens. If EU citizens work and live outside their country of origin – in the EU or outside – they could contribute to the fund and later claim retirement benefits.
Finally, the individual might benefit from the national pension schemes or end-of-service benefits, depending on terms and conditions applicable in each country (like residency, duration, contributions, etc.).
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