Sowing the seeds of a bright future
Your first job is the beginning of a new life, a new freedom and new goals! But it is also the time to lay the foundations for your future and to make your first choices.
But it's not always easy when no one has taught us how to do it.
Taking charge of your pension as soon as possible
In addition to the structural problems that young people's pension provision poses - longer life expectancy, loss of market momentum, low returns on capital - it is also part of professional models that are less and less linear and traditional. The democratisation of part-time work is also a crucial factor to take into account, as it has a direct and brutal impact on 2nd pillar contributions.
It is therefore crucial for young people to think about the impact of their professional choices as early as possible.
Lack of neutrality and pedagogy
The knowledge of the younger generation is often lacking and awareness of the importance of pension provision is often raised by commercial agents whose income comes from the sale of financial or insurance products, some of whom display a neutrality and pedagogy that is relative.
As a school or university, you have a role to play.
By offering your students access to neutral information, you are giving them the opportunity to take charge of their own future as soon as possible. You also avoid the classic traps set by unscrupulous service providers.
The role of the employer is often misunderstood
Young people are often unaware of the role and responsibility of the employer in the context of occupational pension provision. However, the choice of pension fund and the employer's pension plan can make a significant difference in terms of social benefits, risk protection and funding.
As an employer, you can make a difference.
An attractive and well-communicated pension scheme enables you to attract young talent in an efficient and targeted manner.
- Train young people in the basics of pension planning, enabling them to be proactive in their search for individual pension planners.
- Enabling them to take charge of their pension provision as soon as they enter the labour market and to adapt their coverage and planning to their choice of career and work model.
- To make them aware of the importance of addressing the issues of social benefits and occupational pensions already during the interview phase with their future employer.
- 66% of 18-30 year olds say they were not interested in pensions when they first started working.
- Almost 20% of 18-26 year olds say that pension provision is the responsibility of the state.
- Around 65% of 15 year olds say they do not want to work full time when they finish school.