{"id":1414,"date":"2017-07-04T13:57:18","date_gmt":"2017-07-04T11:57:18","guid":{"rendered":"https:\/\/my-life.lu\/2017\/07\/05\/comment-maintenir-son-niveau-de-vie-a-la-retraite\/"},"modified":"2024-12-09T12:50:43","modified_gmt":"2024-12-09T11:50:43","slug":"how-can-you-maintain-your-quality-of-life-during-retirement-53001","status":"publish","type":"post","link":"https:\/\/my-life.lu\/en\/how-can-you-maintain-your-quality-of-life-during-retirement-53001\/","title":{"rendered":"How can you maintain your quality of life during retirement?"},"content":{"rendered":"<p>As Woody Allen said: \u201cWe are all interested in the future, for that is where you and I are going to spend the rest of our lives.\u201d However, when considering the issue of retirement, this interest often gives way to worry or even anxiety. What can you do to make the most of your retirement, despite the significant decrease in income? We put together a few ideas below.<\/p>\n<h2 id=\"h2_0\" >Before retirement \u2013 be prepared<\/h2>\n<p>When it comes to preparing your finances for retirement, think of the old adage: \u201ca stitch in time saves nine\u201d. This certainly holds true: if you rely solely on your state pension, you will have to live off almost a quarter less than your previous income (on average). You may even much get less, depending on your situation.<\/p>\n<p>You therefore need to prepare for this drop in income long before you retire, and there are several ways to do this:<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>Join one or more supplementary pension schemes, whether through your employer (second pillar) or in the form of <a href=\"https:\/\/my-life.lu\/en\/what-kind-of-retirement-savings-plan-should-i-choose-53008\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong><span style=\"text-decoration: underline;\">a private pension (third pillar)<\/span><\/strong><\/a>. These guarantee regular income and\/or additional capital when you retire.<\/li>\n<li><a href=\"https:\/\/my-life.lu\/en\/why-investing-in-your-home-is-one-of-first-investments-to-make-10002\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong><span style=\"text-decoration: underline;\">Pay off the mortgage on your primary residence<\/span><\/strong><\/a> and <span style=\"text-decoration: underline;\"><strong><a href=\"https:\/\/my-life.lu\/en\/tips-help-save-money-renovating-home-51014\/\" target=\"_blank\" rel=\"noopener noreferrer\">carry out any renovations that need to be done<\/a><\/strong><\/span>. Having one less lease or loan to pay will make a big difference!<\/li>\n<li><a href=\"https:\/\/my-life.lu\/en\/the-investment-pyramid-30079\/\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\"><strong>Put aside some money<\/strong><\/span><\/a> for emergencies or to help pay for certain luxuries. You can set up a standing order to pay into your savings account every month.<\/li>\n<li>Purchase financial assets or property that can serve as a source of recurring income. Your bank adviser can help you build a portfolio that best suits your investor profile.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><a href=\"https:\/\/my-life.lu\/en\/plan-for-your-retirement-as-soon-as-you-start-your-professional-life-53006\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"text-decoration: underline;\"><strong>Lastly, don\u2019t wait until you retire to find out the value of your pension<\/strong><\/span><\/a>. Find out how much you\u2019ll get, compare this with your current standard of living and start to think about any necessary financial adjustments to be made. Plan ahead to ensure that your future needs and projects can be met by your financial situation.<\/p>\n<h2 id=\"h2_1\" >During retirement \u2013 be flexible<\/h2>\n<p>Already retired? Congratulations! This doesn\u2019t mean you have to miss out. Quite the opposite: while you should adjust your spending to your new situation, retirement also gives you the opportunity to enjoy a new-found freedom. You will have more time to compare offers and identify the best deals, while your transport costs will go down along with your tax burden. You will spend less money eating out with friends or colleagues, and you can go on holiday when the time and budget suit you.<\/p>\n<p>You should also think about how to use your savings or the capital from your personal pension plan. Generally, your financial needs will stay more or less the same between the ages of 60 and 70 and should gradually decrease from 70 onwards (unless you require extensive assistance). To deal with your new situation, you may be able to convert your personal pension into a capital payment and an annuity. The capital allows you to maintain your current standard of living at the beginning of your retirement, and the annuity makes sure you have enough until the end.<\/p>\n<blockquote><p>If you receive a lump sum, consider dividing it into several tranches: one to be converted into an annuity, one for emergencies and one to pass on to your loved ones.<\/p><\/blockquote>\n<p>If you hold financial assets in addition to your recurring income, you should consider dividing them into several tranches: one part to be converted into an annuity, one for emergencies and one to pass on to your loved ones.<\/p>\n<p>Another way to boost your purchasing power is <a href=\"https:\/\/my-life.lu\/en\/retiring-abroad-what-should-luxembourg-residents-consider-43001\/\" target=\"_blank\" rel=\"noopener\"><strong><span style=\"text-decoration: underline;\">to spend your retirement in a country with a lower cost of living<\/span><\/strong><\/a>. The potential benefits are huge \u2013 lower cost of living, more sunshine, better quality of life and better living conditions. However, don\u2019t underestimate the effects of culture shock or separation from your loved ones in Luxembourg.<\/p>\n<p>Whatever the case, <span style=\"text-decoration: underline;\"><strong><a href=\"https:\/\/my-life.lu\/en\/made-retirement-checklist-53004\/\" target=\"_blank\" rel=\"noopener noreferrer\">be sure to think carefully before making a decision<\/a><\/strong><\/span> \u2013 after all, you can\u2019t put a price on a happy retirement.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>As Woody Allen said: \u201cWe are all interested in the future, for that is where you and I are going to spend the rest of our lives.\u201d However, when considering the issue of retirement, this interest often gives way to worry or even anxiety. What can you do to make the most of your retirement, &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/my-life.lu\/en\/how-can-you-maintain-your-quality-of-life-during-retirement-53001\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;How can you maintain your quality of life during retirement?&#8221;<\/span><\/a><\/p>\n","protected":false},"author":4,"featured_media":4366,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"off","_et_pb_old_content":"<p class=\"entete\">Comme le dit bien Woody Allen : \u00ab l\u2019avenir m\u2019int\u00e9resse, c\u2019est l\u00e0 que j\u2019ai l\u2019intention de passer mes prochaines ann\u00e9es \u00bb.<\/p>\r\nPourtant, lorsqu\u2019il est question de retraite, cet int\u00e9r\u00eat se transforme souvent en pr\u00e9occupation, voire en inqui\u00e9tude. Comment faire pour en profiter pleinement malgr\u00e9 la baisse sensible de vos revenus ? El\u00e9ments de r\u00e9ponse.\r\n<h2>Avant ma retraite, j\u2019anticipe<\/h2>\r\nLorsqu\u2019il s\u2019agit de pr\u00e9parer le financement de sa retraite, l\u2019adage le plus pertinent est sans doute \u00ab rien ne sert de courir, il faut partir \u00e0 point \u00bb. Et pour cause, si vous comptez uniquement sur votre indemnit\u00e9 l\u00e9gale de retraite, vous devrez vivre avec, en moyenne, presque un quart de vos revenus en moins. Voire subir une diminution bien plus sensible selon votre situation.\r\n\r\nC\u2019est donc bien avant la retraite qu\u2019il faut anticiper cette baisse. Plusieurs possibilit\u00e9s s\u2019offrent \u00e0 vous.\r\n<ul>\r\n \t<li>Souscrire \u00e0 un ou plusieurs r\u00e9gimes compl\u00e9mentaires de pension, que ce soit via votre employeur (deuxi\u00e8me pilier) ou par la pr\u00e9voyance personnelle (troisi\u00e8me pilier). Le jour de la pension, c\u2019est une garantie de revenus r\u00e9guliers et\/ou un capital suppl\u00e9mentaire \u00e0 votre disposition.<\/li>\r\n \t<li>Financer int\u00e9gralement votre habitation principale et y effectuer les \u00e9ventuels travaux de r\u00e9novations qui s\u2019imposent. Un loyer ou un pr\u00eat en moins \u00e0 payer, cela fait une \u00e9norme diff\u00e9rence !<\/li>\r\n \t<li>Se constituer une \u00e9pargne qui permettra de financer certains extras ou de faire face aux impr\u00e9vus. Pourquoi ne pas op\u00e9rer d\u00e8s \u00e0 pr\u00e9sent un ordre permanent mensuel sur votre compte \u00e9pargne \u00e0 cette fin ?<\/li>\r\n \t<li>Acqu\u00e9rir des actifs financiers ou immobiliers susceptibles de g\u00e9n\u00e9rer des revenus r\u00e9currents. Votre banquier peut vous accompagner efficacement dans la constitution d\u2019un portefeuille adapt\u00e9 \u00e0 votre profil d\u2019investisseur.<\/li>\r\n<\/ul>\r\nEnfin, n\u2019attendez pas d\u2019\u00eatre \u00e0 la retraite pour d\u00e9couvrir le montant de votre pension. Renseignez-vous, comparez ce montant avec votre niveau de vie actuel et commencez \u00e0 r\u00e9fl\u00e9chir aux ajustements financiers \u00e0 faire s\u2019il y a lieu. Dans la m\u00eame logique, anticipez vos besoins et projets futurs pour vous assurer qu\u2019ils seront effectivement compatibles avec vos moyens.\r\n<h2>Pendant ma retraite, je m\u2019adapte<\/h2>\r\nVous \u00eates d\u00e9j\u00e0 \u00e0 la retraite ? F\u00e9licitations ! A pr\u00e9sent, ne partez surtout pas du principe que vous devez vous priver. Par contre, il est sans doute utile d\u2019envisager de consommer diff\u00e9remment en fonction de vos nouveaux besoins, mais aussi des nouvelles libert\u00e9s qui s\u2019ouvrent \u00e0 vous. Ainsi, vous disposez de davantage de temps pour comparer les offres et chasser les bonnes affaires. Votre budget transport diminue en principe ainsi que le montant de vos imp\u00f4ts. Le nombre de lunchs entre coll\u00e8gues ou amis diminue. Vous partez en vacances quand vous le voulez et au meilleur prix.\r\n\r\nLe deuxi\u00e8me aspect \u00e0 consid\u00e9rer porte sur l\u2019utilisation de vos \u00e9conomies en r\u00e9serve ou du capital r\u00e9sultant de votre plan de pr\u00e9voyance personnelle. G\u00e9n\u00e9ralement, vos besoins financiers resteront plus ou moins les m\u00eames entre 60 et 70 ans. Ils diminuent ensuite petit \u00e0 petit, sauf en cas de forte d\u00e9pendance. Face \u00e0 cette r\u00e9alit\u00e9, vous pouvez \u00e9ventuellement choisir de convertir votre plan de pr\u00e9voyance personnelle en capital et en rente viag\u00e8re. Le capital vous permet de maintenir votre train de vie au d\u00e9but de la retraite, la rente assure un surplus jusqu\u2019\u00e0 la fin.\r\n\r\nSi vous disposez d\u2019un patrimoine financier en plus de vos revenus r\u00e9currents, pensez \u00e0 le d\u00e9couper en plusieurs tranches : la part que vous convertissez en rente, la part pour faire face aux impr\u00e9vus et la part que vous souhaitez transmettre \u00e0 vos h\u00e9ritiers.\r\n<blockquote>\u00ab Si vous disposez d\u2019un capital, pensez \u00e0 le d\u00e9couper en plusieurs tranches : la part \u00e0 convertir en rente, la part pour les impr\u00e9vus et la part \u00e0 transmettre \u00e0 vos h\u00e9ritiers. \u00bb<\/blockquote>\r\nDerni\u00e8re possibilit\u00e9 pour retrouver du pouvoir d\u2019achat : vivre sa retraite \u00e0 l\u2019\u00e9tranger dans un pays o\u00f9 la vie est moins ch\u00e8re. Co\u00fbt de la vie, niveau d\u2019ensoleillement, qualit\u00e9 de la vie et du cadre, les atouts potentiels d\u2019un tel choix sont r\u00e9els. Ne sous-estimez toutefois pas le poids du choc culturel et de l\u2019\u00e9loignement vis-\u00e0-vis de vos proches rest\u00e9s au Luxembourg.\r\n\r\nQuoi qu\u2019il en soit, posez vos choix apr\u00e8s m\u00fbres r\u00e9flexions. Car si toute retraite a un co\u00fbt, une retraite heureuse n\u2019a pas de prix.","_et_gb_content_width":"","footnotes":"","beyondwords_generate_audio":"1","beyondwords_integration_method":"","beyondwords_project_id":"44704","beyondwords_content_id":"c4a7d315-3dc9-4d7e-8b0d-137218dd8e4c","beyondwords_preview_token":"196a4249-9575-495a-8654-f41907785a92","beyondwords_player_content":"","beyondwords_player_style":"standard","beyondwords_language_code":"en_GB","beyondwords_language_id":"50","beyondwords_title_voice_id":"775","beyondwords_body_voice_id":"775","beyondwords_summary_voice_id":"775","beyondwords_error_message":"","beyondwords_disabled":"","beyondwords_delete_content":"","beyondwords_podcast_id":"","beyondwords_hash":"","publish_post_to_speechkit":"","speechkit_hash":"","speechkit_generate_audio":"","speechkit_project_id":"","speechkit_podcast_id":"","speechkit_error_message":"","speechkit_disabled":"","speechkit_access_key":"","speechkit_error":"","speechkit_info":"","speechkit_response":"","speechkit_retries":"","speechkit_status":"","speechkit_updated_at":"","_speechkit_link":"","_speechkit_text":""},"categories":[37,154],"tags":[410,585],"class_list":["post-1414","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-me-and-my-family-en","category-retirement-en","tag-retirement","tag-contact-en","my_family"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>How can you maintain your quality of life during retirement? - myLIFE<\/title>\n<meta name=\"description\" content=\"Retirement may be a source of concern or even anxiety. What can you do to make the most of your retirement, despite the significant decrease in income?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/my-life.lu\/en\/how-can-you-maintain-your-quality-of-life-during-retirement-53001\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How can you maintain your quality of life during retirement?\" \/>\n<meta property=\"og:description\" content=\"Retirement may be a source of concern or even anxiety. 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