Continuous pension reforms have sought to make an increasingly tensioning system sustainable and ask themselves with their viability. Therefore, the reforms have been looking to raise the retirement age up to 67 years, discourage early retirements or demand more years quoted for those workers who want to opt for 100% of the pension. Now, these pressures have not laid workers very well and this discomfort has echoed You functionwhere through a survey he has detected a wide social discomfort in the face of the future sufficiency of pensions and, at the same time, a strong resistance to raising work life.
The survey You function 2025 on pensions and financial educationmade between September 1 and 13 to 1,200 people from 18 to 75 years old, show that 67% are concerned with “much or quite” that their benefit does not reach “living without trouble”, that is to say that one in three Spaniards. In addition, six out of ten employed (62%) would prefer to retire before 67 years. At the same time, the idea of gradually elevating the legal age to 70 years (which was raised in the questionnaire with the example of Denmark) harvests a massive rejection or in other words, that 90% between those surveyed and 83% among the respondents.
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They think they will charge less pension
The concern for sufficiency is accompanied by pessimistic expectations. Among those who show greater concern, 79% believe that “within ten years” pensions will be lower than the current ones, that is, we will charge less pension. Pessimism increases among the youngest, since it reaches 80% in the group of 18 to 30 years and among women from 31 to 45. On the other hand, among pensioners the perception of continuity grows: 31% trust that “pensions such as current pensions can continue to be charged”, although those who anticipate those who anticipate cuts predominate.
The preference for retiring is clear and shows that three out of four interviewees working (76%) do not want to prolong their activity beyond the ordinary age; And most prefer to retire between 61 and 65. Even so, it must be said that there are differences by educational level and cohort. Among those who have university studies, 15% of men and 8% of women would work beyond 67. In the generation of ‘Baby Boom’ (48-66 years), which faces retreat, they would do 9% of them and 3% of them. Projecting these preferences, Funcas estimates that up to half a million of the 8.2 million “Babyboomers in active could consider prolonging the work career, a figure that would grow if those who answer that they would follow“ as long as they can ”are included.
Pensioners are looking for reversible retirement
The compatibility between pension and employment also obtains some support among those already withdrawn, since almost three out of ten would be in favor of working again charging the pension and a salary. Now, it must be said that the Think Tank recalls that this option does not depend only on the will of the workers and the disposition of companies that want to hire labor over 67 years. In addition, it must be said that this data arrives at a time when we remember social security is negotiating with social agents A reversible retirement reform To encourage that modality.
Beyond the preferences, the survey shows a low level of knowledge about the system. Only one in eight adults knows how pensions are financed and successfully places the average amount of retirement. Half of the sample correctly identifies that they are paid with current social quotes (46%) or with contributions and taxes (3%), but one in six believes that they are paid with “the contributions paid by pensioners when they worked” and one in four responds “general taxes”.
The level of the average benefit is also underestimated, since two thirds (66%) believe that the retirement pension is less than the minimum interprofessional salary of 2025 (which is set at 1,184 euros per month), when at the time of the field work the middle pension exceeded that threshold.
The design of the system divides public opinion between contributory and redistributive logic, since 51% show their support for the benefit to adjust to contributions throughout the race, while 49% who prioritizes guaranteeing a decent standard of living regardless of what is contributed. The contributory option gathers more support among men, young people and who follow economic information with greater interest.
There is also no consensus on the role of immigration to make the pension system sustainable, since 48% consider that the future of the system depends on it, compared to 46% disagree. All this is part of a context of population aging and financial pressure on social security that has motivated recent reforms and an open debate on how to distribute costs and guarantees among generations.
The sample was obtained through telephone interviews and covers from September 1 to 13, 2025. “In a context of geopolitical tensions, climatic crisis and growing needs of safety and defense spending (…) The debate on the future of pensions demands the active participation of citizenship,” says Elisa Chuliá, a researcher of Funcas, when presenting the study.