Pension Accounting

David Brunet

Partner – Strategic Business Management Consultant


The pension balance sheet is a tool for assessing an individual’s financial and wealth position for retirement. This includes estimating retirement income and expenses, and determining any gaps between the two.

The retirement balance sheet can be done at any age, but it is recommended that it be done regularly to ensure that retirement goals are met and to adjust savings and investment strategies accordingly.

The pension balance usually consists of several steps, including the following:

The assessment of pension rights: this involves estimating the acquired rights of the various pension schemes, such as the general social security scheme, supplementary schemes, special schemes, etc.
Analysis of financial needs: this involves estimating planned retirement expenditures, such as current expenses, health care expenses, travel, etc.
Projection of retirement income: this involves estimating retirement income, taking into account acquired rights under the various pension schemes, possible investment income, property income, etc.

Determination of gaps: This involves comparing financial needs and projected revenues to determine potential gaps and to determine the adjustment strategies to be implemented.
It’s a good idea to conduct your retirement review in collaboration with a financial advisor or wealth management expert, who can help you assess the situation and determine the best strategies to achieve your retirement goals.

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