https://nicolas.finance/en/tags/retirement/ Recent content in Retirement on Nicolas Finance Hugo en Sun, 14 Jun 2026 00:00:00 +0000 https://nicolas.finance/en/posts/retraite-francaise/01-repartition-et-regimes/ Sun, 14 Jun 2026 00:00:00 +0000 https://nicolas.finance/en/posts/retraite-francaise/01-repartition-et-regimes/ The backbone of the French system, explained simply: pay-as-you-go, the mandatory tiers, the real meaning of the “42 schemes” figure, and what the 2023 reform — then its 2026 suspension — actually change. https://nicolas.finance/en/posts/retraite-francaise/02-sncf/ Sun, 14 Jun 2026 00:00:00 +0000 https://nicolas.finance/en/posts/retraite-francaise/02-sncf/ The railway workers' scheme without the trial or the whitewash: its history, its calculation on the last six months, its retirement ages — and why the State pays roughly €3.2bn a year to balance it. https://nicolas.finance/en/posts/retraite-francaise/03-ieg/ Sun, 14 Jun 2026 00:00:00 +0000 https://nicolas.finance/en/posts/retraite-francaise/03-ieg/ Often confused with SNCF's, the electricity and gas workers' scheme differs on one decisive point: it receives no State subsidy. How it's really funded (yes, the CTA levy on your bill), and the funded layer — the PERO — sitting on top. https://nicolas.finance/en/posts/retraite-francaise/ Sun, 14 Jun 2026 00:00:00 +0000 https://nicolas.finance/en/posts/retraite-francaise/ Pay-as-you-go, the general scheme, complementary and special schemes: how France's pension system is actually built, what the famous “42 schemes” figure really means, and how France compares with its neighbours. A series to understand, not to campaign.