An investigation reveals that a majority of French people judge their future retirement pension insufficient. This concern pushes them to anticipate from an early age, by placing their money in targeted savings products. Here’s how they are preparing despite a tense economic context.
64 % of French believe that their future retirement will be insufficient to live properly, especially with the total frost of pensions in 2026. This figure, from the 2025 survey “The French, savings and retirement”, testifies to a generalized awareness. THE younger generations Anticipate earlier, while assets are looking for concrete solutions to preserve their standard of living. Faced with the uncertainty of the system, the French refuse any constraint on their savings and multiply the secure investments. Discover the main trends in this financial mobilization unprecedented in favor of their future.
Retirement: a deep concern among the French
A feeling of majority financial insecurity
According to the 2025 survey, 64 % of French think that their retirement pension will be insufficient. This proportion climbs to 68 % in womenagainst 61 % in men, and until 78 % in households with income below € 1,200 monthly. On the other hand, only 47 % of households earning more than € 4,000 share this concern. The feeling of insecurity is therefore directly linked to income, and more concerns assets (72 %) than retirees (45 %).
Retirement becomes a national priority
Pour 60 % of respondentsretirement is now Priority n ° 1 in matters of social policyfaced with health insurance and dependence. From the age of 25, it became the first concern in social protection. This observation is verified in all age groups: 52 % of 25-34 year olds, 67 % of 35-49 year olds, and 65 % of 50-64 year olds consider retreat as essential, underlines Purse. The debates around the pension reform only strengthened this centrality.
Young people become aware earlier
Strong fact: the 18-24 ans are most lucid and proactive. 54 % of them believe that you have to start saving before 30 years to live comfortably later. This generation, however far from the legal age of departure, takes its financial future today. A trend revealing a climate of distrust of the public retirement system, deemed uncertain and fragile.
Retirement savings: the strategies adopted in 2025
Placements earlier, but not always regular
Even if 39 % of French think that it is necessary to save before 30 years old, only 50 % effectively spare for their retirement regularly or occasional. This rate falls to 40 % among modest households, and rises to 62 % among the wealthiest. THE Departure between intentions and practice underlines a problem of budgetary arbitration in the middle and popular classes.
Privileged investments in 2025
Here are the most effective investments this year to secure his retirement:
- Life insurance : 58 % of French people consider it interesting, compared to 53 % in 2015.
- Rental real estate : 56 %, with a 65 % peak among 25-34 year olds.
- Livret A : 52 %, despite its low performance, but perceived as secure.
- Retirement savings plan: 48 %, particularly popular with 50-64 year olds (55 %).
- Actions : 41 %, especially among young people (52 % among 18-24 year olds).
- Cryptocurrencies : 21 %, but 36 % among young people, against only 13 % among 65 year olds and over.
Real estate remains a refuge value
The rental accommodation remains a safe value For the French. Beyond the yield, it is perceived as a tangible, sustainable, and transmitted asset. Young workers see it as a way of creating additional incomewhile seniors find a heritage security For their old days. Stone therefore keeps a central place in long -term strategies.