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    <title><![CDATA[Ara in English - Elisabet Bach]]></title>
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      <title><![CDATA[RETA: a reform with unfinished business]]></title>
      <link><![CDATA[https://en.ara.cat/business/reta-reform-with-unfinished-business_129_5569879.html]]></link>
      <description><![CDATA[<p><img src="https://static1.ara.cat/clip/8271ba5e-eee7-4b49-ab09-ed4dfca54236_16-9-aspect-ratio_default_0.jpg" /></p><p>In 2023, a reform was launched that overhauled the social security contribution system for the self-employed (RETA). This modification was based on the report of the Toledo Pact commission. The reasons were clear: the average RETA pension was significantly lower than that of the general system—37.4% lower in Catalonia in 2020—and there was a high dependence on minimum supplements (34% in the RETA, compared to 20% in the general system). All of this occurred within a model that allowed workers to freely choose their contribution base, leading more than 80% of the self-employed to contribute at the minimum rate. The 2023 reform introduced a profound conceptual change: contributions would be adjusted according to business results. The objective was threefold: to improve benefits, reduce the need for supplements, and increase Social Security revenue. The transformation was planned over nine years, with an initial phase (2023-2025) focused on testing the new model.</p>]]></description>
      <dc:creator><![CDATA[Elisabet Bach]]></dc:creator>
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      <pubDate><![CDATA[Sat, 22 Nov 2025 06:00:36 +0000]]></pubDate>
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      <media:title><![CDATA[The self-employed social security contribution will rise again in 2019]]></media:title>
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