Many countries in the EU have 67 as retirement age - so 64 does not feel a big issue to me. (France and Malta are the only one with 62)
> 62 to 67: Depends on the duration of contribution (minimum 43 years)
For instance, for me it will be 67. Besides, these numbers don't mean anything without context.
Unless the limit is raised of course.
It's not that easy unfortunately ;)
If you have less than 43 years, the amount of your pension will be decreased according to some formula. At 67, you'll get the full pension no matter what. But this amount is also determined by the number of years you worked. So if you take a sabbatical, or go work abroad for a few years, you won't get the full amount.
I recommend that you do a simulation of what your retirement will be. I think it's something like 50% of your 25 best years, if you worked 43 years. Then it depends what you invested outside of the system.