{"id":15007,"date":"2017-09-29T13:00:55","date_gmt":"2017-09-29T11:00:55","guid":{"rendered":"https:\/\/www.joaquinmone.es\/?p=4896"},"modified":"2025-07-21T12:07:19","modified_gmt":"2025-07-21T10:07:19","slug":"how-to-get-a-decent-retirement-pension-as-a-self-employed-person","status":"publish","type":"post","link":"https:\/\/pibgroupiberia.com\/en\/blog\/como-conseguir-siendo-autonomo-recibir-una-pension-de-jubilacion-digna\/","title":{"rendered":"How to get a decent retirement pension as a self-employed person"},"content":{"rendered":"<p>No surprise there:<strong> the self-employed receive an average retirement pension that is much lower than that of salaried workers<\/strong> The reason? We have already mentioned it on previous occasions: although they may receive similar salaries, the contribution is usually at the minimum wage and this means that the <a href=\"https:\/\/pibgroupiberia.com\/en\/blog\/three-disadvantages-of-being-self-employed\/\">rights of the self-employed <\/a> are far below.<\/p>\n<h2>Why is the pension of the self-employed usually lower?<\/h2>\n<p>As mentioned above, the self-employed or self-employed person is a person who <strong>the self-employed are free to set the contribution base<\/strong> you want. This means that even if you usually earn, for example, around 3,000 euros per month, you can pay social security contributions of 1,000 euros if you want. This means that you pay less, but your entitlements are also based on this amount and not on your actual salary.<\/p>\n<p>The data are stark:<\/p>\n<ul>\n<li>Approximately <strong>80% of self-employed workers pay contributions at the minimum rate<\/strong><\/li>\n<li>The<strong> average difference in retirement pension<\/strong>, The unemployment rate, according to data from the Ministry of Employment, stands at around <strong><span style=\"text-decoration: underline;\">463 euros less per month<\/span> for the self-employed<\/strong><\/li>\n<\/ul>\n<p>These are the main reasons why the self-employed often take out sickness insurance and savings products (pension plans or other assets) to supplement their public benefits, which are often more than insufficient.<\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter size-full wp-image-4899\" src=\"\/wp-content\/uploads\/2017\/07\/jubilacion-pension-1.jpg\" alt=\"How the self-employed save\" width=\"640\" height=\"332\" \/><\/p>\n<h2>How can I, as a self-employed person, improve my retirement pension?<\/h2>\n<p>Many experts speak on this subject, and opinion is not unique, so we will leave our own.<\/p>\n<p>It is a fact that the <strong>the Spanish pension system is a pay-as-you-go system<\/strong>. This means that even if we contribute to the system during our working life, for example, 50,000 euros for certain benefits, <span style=\"text-decoration: underline;\">does not mean that we will then collect that money.<\/span>, It is divided among current pensioners, and when the time comes for me to retire, we will see what I will receive.<\/p>\n<p>This is completely <strong>different from a<\/strong> <strong>capitalisation system<\/strong>, which exists in other European countries. Under this scheme, if I contribute 500 euros a month, when I retire I will receive that 500 euros plus the returns obtained over time.<\/p>\n<h2>Tips to improve our pension<\/h2>\n<p>For the self-employed who have the capacity to save, the ideal is to contribute at the minimum rate, and to encourage private savings from which I can know how much pension I will have left when I retire.<br \/>\nIf the minimum self-employed contribution is currently set at 275 euros and the maximum at approximately 1,100 euros, there is a monthly difference of more than 800 euros, which we could use for private savings. Annualised, this amounts to around 10,000 euros per year.<\/p>\n<p>On the other hand, we have already announced in previous posts all the corrective and control measures for pensions, in order to make the system sustainable. There is no doubt about it, <strong>The biggest cut is, and will continue to be, in the maximum pension.<\/strong><\/p>\n<p>Don't hesitate and start considering what you want to be your <a href=\"https:\/\/pibgroupiberia.com\/en\/individuals\/insurance-solutions-for-individuals\/savings-insurance\/\">retirement pension<\/a>. The sooner you start working on it, the more profitability you can accumulate to enjoy a comfortable retirement. Rely on our <strong>Savings and Investment Department<\/strong> to receive this advice and enjoy the benefits of the <strong>best products on the Spanish market.<\/strong><\/p>\n<p>&nbsp;<\/p>","protected":false},"excerpt":{"rendered":"<p>A self-employed person suffers from social security reforms more than anyone else, as it greatly affects their pension.<\/p>","protected":false},"author":14,"featured_media":15008,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"yasr_overall_rating":0,"yasr_post_is_review":"","yasr_auto_insert_disabled":"","yasr_review_type":"","footnotes":""},"categories":[152],"tags":[156],"class_list":["post-15007","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-profesionales","tag-plan-de-pensiones"],"yasr_visitor_votes":{"stars_attributes":{"read_only":false,"span_bottom":false},"number_of_votes":0,"sum_votes":0},"_links":{"self":[{"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/posts\/15007","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/users\/14"}],"replies":[{"embeddable":true,"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/comments?post=15007"}],"version-history":[{"count":0,"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/posts\/15007\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/media\/15008"}],"wp:attachment":[{"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/media?parent=15007"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/categories?post=15007"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/tags?post=15007"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}