When to retire? People who will become this year pensionersshould pay attention to two terms. There will be two good moments in 2025 retirement for women born in 1965 or men born in 1960. It is best to consider this in January or July. You can gain a lot from this.
January or February: The above months may bring seniors significantly higher retirement benefits. Business Insider reports that postponing the decision to retire may increase the benefit by up to several hundred zlotys per month. The best time to retire is the first quarter, especially January or February.
Valorization in March and December 13: The March indexation is in the background. It includes those who have established right to a pension at the end of February 2025 – i.e. just a few weeks after finishing work you will be able to count on a raise. In addition ZUS will pay them thirteenth birthday. How it will be she looked valorization? This is not known yet. The Ministry of Finance talks about 5.82 percent, while the Ministry of Family wants it to be higher and amount to 8.55 percent. With a pension of PLN 4,000 PLN, this gives a profit of over PLN 350 per month.
Up to PLN 600 more: It's a good time to retire for people born in spring also July, and that's because of the annual valorization pension capital, which takes place in June. Last year it was as much as 14.87%. Therefore, if in 2024 someone collected PLN 1 million from contributions, in June, after indexation, they would have almost PLN 1,150,000. zloty. Thus, waiting a few weeks and retiring in July instead of, for example, the end of May meant profit of PLN 600 per month. With capital of PLN 500,000. PLN profit is in turn 300 PLN every month.
See also: Read about the highest pension benefit in Poland in the text entitled: “This is the highest pension in Poland. We know how much work had to be done”.
Source: Business InsiderGazeta.pl.