Myself and my wife are microentrepeneurs (Professions Liberales). For myself I will receive a full UK pension in 5 years time but I have been puzzling over the best course for my younger wife who at 15 years younger than me has a need to accumulate pension "rights". She currently has 10 years qualifying contributions for the UK pension.
We are trying to determine if its better to top up her contributions in the UK or contribute to CIPAV.
As far as I can determine, she can contribute 8.23% of her yearly income of 10000€. By my calculations this means 823 / 3178 x 525 = 135 points. According to the Connexion guide this equates to about 70€ pa times 20 years ... 1400€ pa which in other word... an achieved pension of little more than b#gger all
On a low income we obviously want to maximise the value of any payments, so... any advice?