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The redemption of the years of study for obtaining the degree is only worth it if it allows a real advance of the pension.
Hello, I entered the school world as a teacher in 2001. I am from 76.
I have been a school principal for two years.
Should I redeem my five-year title for early retirement?
How to do it if it is convenient?
To understand whether graduation swap is right for you or not, it’s good to figure out how much advance it would allow you compared to early retirement. With 44 years you have 19 years of contributions.
This means that 23 years of work are still separated from the old-age pension (without taking into account any increase in the retirement age) and from early retirement with 41 years and 10 months of contributions, 22 years and 10 months of contributions.
By redeeming the 5 years of study to obtain the degree, you could obtain early retirement between 17 years and 10 months anticipating, in fact, the old-age pension of about 5 years.
In your case, having made no contributions before 1996, you could easily exchange the title at a cost of approximately € 5,200 for each year amortized.
Obviously, it is up to her to assess whether or not the cargo she would have to pay for the ransom.
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