While nine unions called the pensioners to protest on Thursday to defend their purchasing power, indexing all pensions to the inflation rate and the cancellation of the increase of the CSG to all, the Board of direction des retraites (COR) stressed that the level of life of pensioners, it has declined in recent years, remains higher than that of the general population.
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The NRC shows that the levels of living of the retired, the assets and the entire population have grown from 1996 to 2010, of 1.4 per cent per year on average, before declining between 2010 and 2015. This recent decline, however, was less pronounced for the former (- 0.5% in five years) as for the assets, or the whole population (- 2,3 %). In total, in 2015, the average standard of living of a retired person averaged 2 055 euros per month and was 5.6 % of the entire population.
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However, the pension gross of retirees has followed roughly the price index, so that each pensioner has retained more or less the same pension, in constant euros, a year-on-year. Then why the standard of living of pensioners has he fallen?
Two demographic factors play in the opposite direction: the negative effect of the rise in divorces (the level of life of a single person is less than that of a couple) is largely compensated by the positive effect of the prolongation of the life expectancy, which is delaying widowhood. The explanation is primarily due to the growth in the income of the heritage: for over three decades (1980 to 2000), the fact that capital gains are important financial securities and real estate, "it has likely under-estimated the true wealth of many retirees," says the NRC.
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conversely, while the performance of the financial products without the risk becomes negative, and even if the real estate is dynamic, it "overestimates" certainly the contribution of income from assets. Finally, the increase in tax and social security deductions between 2002 and 2015, more marked than for assets, has had a significant impact. "He was stopped from 2009, the increase in the standard of living of pensioners, and even caused a slight decrease between 2012 and 2015," concludes HORN.
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Retirement : a reform at risk ? - Look on Figaro LiveUpdated Date: 14 April 2019, 00:00