{"id":42661,"date":"2026-02-14T20:00:00","date_gmt":"2026-02-14T19:00:00","guid":{"rendered":"https:\/\/www.11onze.cat\/magazine\/cinc-consells-jubilacio-digna\/"},"modified":"2026-02-09T09:31:30","modified_gmt":"2026-02-09T08:31:30","slug":"five-tips-dignified-retirement","status":"publish","type":"post","link":"https:\/\/www.11onze.cat\/en\/magazine\/five-tips-dignified-retirement\/","title":{"rendered":"Five tips for a dignified retirement"},"content":{"rendered":"<div class=\"component text\">\n  <div class=\"container\">\n\n\n    <div class=\"row\">\n      <div class=\"col  col-lg-8  offset-lg-2\">\n        <h3><b>Most of us have assumed that our retirement pension will mean a significant reduction in our purchasing power, although there are still a few who are taking action. We offer you five financial tips to enjoy a decent retirement, which in no case involves taking out a pension plan.<\/b><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">The future of pensions is in the balance. The ageing of the population and longer life expectancy are undermining the precarious balance between income from contributions and pension payments. It is estimated that <\/span><b>Social Security closed 2022 with a <\/b><a href=\"https:\/\/www.europapress.es\/economia\/laboral-00346\/noticia-seguridad-social-registrara-deficit-04-pib-2022-ampliara-07-2023-fedea-20221102095516.html\" target=\"_blank\" rel=\"noopener\"><b>deficit<\/b><\/a><b> of almost 5 billion euros<\/b><span style=\"font-weight: 400;\">. And the hole is getting bigger every day.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The outlook is so bleak that economist Javier D\u00edaz-Gim\u00e9nez <\/span><a href=\"https:\/\/www.catalunyapress.es\/articulo\/economia\/2022-10-19\/3933370-piden-reducir-mitad-pensiones-retrasar-jubilacion-74-anos\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">warned<\/span><\/a><span style=\"font-weight: 400;\"> in October that to balance the system<\/span><b> it would be necessary to halve pensions, double contributions and delay retirement to 74<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><b>Lack of preparation<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Despite the uncertainty about the future of pensions, a recent <\/span><span style=\"font-weight: 400;\"><a href=\"https:\/\/www.ocu.org\/dinero\/jubilacion\/noticias\/pensiones-jubilacion-encuesta?utm_source=db-int_mb&amp;utm_medium=nl_consumer&amp;utm_term=44957&amp;utm_content=pensiones-jubilacion-encuesta&amp;utm_campaign=20210511&amp;isFromNewsletter=1\" target=\"_blank\" rel=\"noopener\">survey<\/a>\u00a0<\/span><span style=\"font-weight: 400;\">by the Organisation of Consumers and Users shows that<\/span><b> seven out of ten people are not preparing for their retirement<\/b><span style=\"font-weight: 400;\">. And most of them assume that their income will decrease after retirement.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Two out of five do not do so because of material incapacity: either they do not have enough income to save (20%) or they have other expenses to prioritise (20%). Thirty-five per cent do not prepare for what could almost be considered &#8220;irresponsibility&#8221;, as they believe their pension will be sufficient, they consider themselves too young, or they are not concerned at all. And <\/span><b>19% claim ignorance, as they do not know how to prepare financially<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><b>Tips for preserving purchasing power<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">With members of the latter group in mind, here are <\/span><b>a few tips on how to improve our retirement<\/b><span style=\"font-weight: 400;\">:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>The earlier, the better.<\/b><span style=\"font-weight: 400;\"> Those who think they are too young to worry about their retirement are wrong. Compound interest means that starting to save earlier makes a big difference to the amount available for retirement. If we invest the same amount each year and earn a return of 5%, starting at age 20 will allow us to retire with almost twice as much capital as if we start at age 30. Keep in mind that each year&#8217;s returns are added to the following year&#8217;s capital, so starting earlier multiplies the final results.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Save as much as you can.<\/b><span style=\"font-weight: 400;\"> The ideal amount depends on your means and your goals. As the OCU survey shows, there is a significant percentage of people who can hardly devote anything to their retirement. If this is not your case, a good starting point would be to invest between 10 and 15% of your income. If you can increase your contribution every year, so much the better.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>No pension funds or almost any investment funds. <\/b><span style=\"font-weight: 400;\">One <\/span><a href=\"https:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=4032079\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">study<\/span><\/a><span style=\"font-weight: 400;\"> warns that the average yield of pension funds in the Spanish market between 2006 and 2021 (1.83%) was even lower than that of government bonds in the same period (4%). And something similar happened with investment funds, as their average return was 1.91%. The <\/span><a href=\"https:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=4022725\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">research<\/span><\/a><span style=\"font-weight: 400;\"> shows that only 64 of the 562 mutual funds analysed outperformed government bonds.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Diversify. <\/b><span style=\"font-weight: 400;\">When it comes to investing, it is always said that it is not good to put all your eggs in one basket. To balance return and risk, you should have a diversified portfolio, which can include stocks, bonds, real estate, gold and even crypto-assets. The idea is not to expose yourself to a single asset class that could collapse and volatilise your savings. And the percentages of each asset will depend on our age and the risk we are willing to take.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>The attractiveness of index funds. <\/b><span style=\"font-weight: 400;\">Within this diversified portfolio, index funds of the major international stock exchanges should play a special role. This option is simpler, safer and cheaper than playing the stock market, as index funds buy all the shares or bonds in a category or market so that our losses or gains are adjusted to their overall performance. It is worth thinking big because the average return of the IBEX-35 between 2006 and 2021 was 1.35% and that of the S&amp;P500 was 10.7%.\u00a0<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">According to the OCU survey, today <\/span><b>only one in ten retirees has sources of income other than the public pension<\/b><span style=\"font-weight: 400;\">, mainly real estate rentals and pension plans. It is therefore not surprising that a good percentage of pensioners regret not having saved more for the future. Their regrets should serve as a warning.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>If you want to discover the best option to protect your savings, enter <\/b><a href=\"https:\/\/serveis.11onze.cat\/en\/preciosos-11onze\" target=\"_blank\" rel=\"noopener\"><b>Preciosos 11Onze<\/b><\/a><b>. We will help you buy at the best price the safe-haven asset par excellence: physical gold.<\/b><\/p>\n\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n\n<div class=\"component cards\">\n  <div class=\"container\">\n    <div class=\"row\">\n      <div class=\"col col-xl-8 offset-xl-2\">\n        <h1>If you liked this article, we recommend you read:<\/h1>\n        <div class=\"cards__wrapper\">\n          <div class=\"card\">\n            <a href=\"https:\/\/www.11onze.cat\/en\/magazine\/big-pension-gap\/\" class=\"card-link\" target=\"_self\"><\/a>\n            <div class=\"card-img\">\n              <img decoding=\"async\" src=\"https:\/\/www.11onze.cat\/wp-content\/uploads\/2022\/08\/THUMBNAIL_GRAN_JUBILACIO.jpg\" class=\"card-img-top\" alt=\"\">\n                <span class=\"card-category\">Culture<\/span>\n            <\/div>\n            <div class=\"card-body\">\n              <p class=\"card-title p2\"><strong>The Big Pension Gap<\/strong><\/p>\n              <span class=\"card-time\">4 min read<\/span>\n              <p class=\"card-text small\">The planned retirement of 50% of the civil service in 2023.<\/p>\n            <\/div>\n          <\/div>\n\n\n          <div class=\"card\">\n            <a href=\"https:\/\/www.11onze.cat\/en\/magazine\/dignified-old-age-after-retirement\/\" class=\"card-link\" target=\"_self\"><\/a>\n            <div class=\"card-img\">\n              <img decoding=\"async\" src=\"https:\/\/www.11onze.cat\/wp-content\/uploads\/2021\/10\/PODCAST_THUMBNAIL_PSN_PERSONES-1.jpg\" class=\"card-img-top\" alt=\"\">\n                <span class=\"card-category\">Community<\/span>\n            <\/div>\n            <div class=\"card-body\">\n              <p class=\"card-title p2\"><strong>A dignified old age<\/strong><\/p>\n              <span class=\"card-time\">3 min read<\/span>\n              <p class=\"card-text small\">A tailor-made retirement, with autonomy and quality of life.<\/p>\n            <\/div>\n          <\/div>\n\n\n          <div class=\"card\">\n            <a href=\"https:\/\/www.11onze.cat\/en\/magazine\/truth-about-pension-system\/\" class=\"card-link\" target=\"_self\"><\/a>\n            <div class=\"card-img\">\n              <img decoding=\"async\" src=\"https:\/\/www.11onze.cat\/wp-content\/uploads\/2021\/11\/THUMBNAIL_SISTEMA_PENSIONS-800x450.jpg\" class=\"card-img-top\" alt=\"\">\n                <span class=\"card-category\">Community<\/span>\n            <\/div>\n            <div class=\"card-body\">\n              <p class=\"card-title p2\"><strong>The truth about the pension system<\/strong><\/p>\n              <span class=\"card-time\">4 min read<\/span>\n              <p class=\"card-text small\">Is the pension system sustainable?<\/p>\n            <\/div>\n          <\/div>\n\n              <\/div>\n              <br>\n              <br>\n              <div class=\"cards__wrapper\">\n\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":71,"featured_media":42656,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"categories":[1],"tags":[172],"class_list":["post-42661","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-economy"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - 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