Dr. Manuela Bosch

H.E. Dr. Manuela Bosch Príncep, PhD in Economic and Business Sciences, is admitted as a Numerary Member of the Royal European Academy of Doctors, with the speech “El necesario equilibrio entre el Estado, las empresas y los ciudadanos respecto de la prestación de jubilación” (The necessary balance between the State, businesses and citizens regarding retirement benefits).

Response by: H.E. Dr. M. Àngels Calvo, PhD in Veterinary Medicine and Pharmacy

Hall A at the headquarters of Foment del Treball. Via Laietana, 32, Barcelona

Thursday, 30 April 2026

18:30 h

Format: On-site and live streaming

Registration: Please confirm attendance with the Secretariat: secretaria@raed.academy or by phone +34 93 667 40 54

The necessary balance between the State, businesses and citizens regarding retirement benefits

Ensuring that individuals have, during their retirement, the necessary financial resources to cover their daily needs and meet the costs associated with the ageing process is one of the essential objectives of any advanced society. Achieving this goal relies on a mixed social protection system, structured around a mandatory public pillar and a complementary private pillar, which includes both employer-sponsored instruments and various forms of individual retirement savings.

In this context, the present study examines the successive reforms that have affected the calculation of contributory retirement pensions, focusing on two key components of the Spanish system: the General Social Security Scheme and the Civil Servants’ Pension Scheme.

It then presents the instruments through which companies can contribute to improving the future income levels of their employees. It also analyses the degree of implementation and effective development of these tools within the business sector, as well as the factors influencing their adoption.

Finally, the study incorporates the individual dimension, highlighting the importance of personal responsibility in retirement financial planning. In this regard, it stresses the need to foster greater public awareness of the complementarity between the public system and individual savings decisions, especially in a demographic context marked by increasing longevity and the foreseeable rise in pressure on public pension systems.

Watch the event live

You will be able to follow the event live from this page.