Planning: French prepare for retirement

The BPCE Group has just published the fourth edition of its Insurance Barometer. This year, he highlights some concern expressed by the French about the future of pensions in France. However, in order to prepare, a majority of French people today choose to set up an individual pension supplement.

FACTS

• The figure is clear 78% of French people express concern about the future of pensions in France in 2025. It is revealed by BPCE The Observatory as part of the fourth edition of its Insurance Barometer.

• But to overcome the uncertainties and better prepare for this uncertain future, the French do not remain inactive. 56% of them now report putting money aside to prepare for retirement, an 8-point increase over the previous year.

• And this rising share does not only concern the older French. Younger people are affected as soon as they enter working life. For example, 42 per cent of the 18-24 age group and 62 per cent of the 25-34 age group report saving for retirement.

• This preparation for retirement, however, is not the first factor in mobilizing the savings of the French who, for the majority, at 51%, put money aside to face an unforeseen and protect themselves in case of a hard blow. This figure is 9 points higher than in 2024.

ISSUES

• Maintaining a standard of living : The future as well as the transition to retirement today are worrying the French who stress that their motivation to save for their retirement is driven, for 40% of them, by their ambition to maintain their ability to live properly. 32% even emphasize their ambition to remain financially independent.

• Highlighting a difficult situation : This barometer also highlights the concerns felt by more than a third of the French on the particularly heavy context characterized by political and social instability in France, difficulties in accessing care, geopolitical tensions and climate change. All these concerns remain less important than those concerning inflation and the increase in violence and insecurity (the latter two factors represent concerns for more than half of the French). Noted that the evolution of AI is a concern for 15% of French.

PERSPECTIVE

• The results of the new study presented here by BPCE are based on online interviews conducted from February 27 to March 4, 2025 with a sample of 2,000 people, representative of the population aged 18 and over, residing in metropolitan France.

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