{"id":502,"date":"2015-02-27T12:07:33","date_gmt":"2015-02-27T11:07:33","guid":{"rendered":"http:\/\/www.life-magazine.be\/fr\/?p=502"},"modified":"2017-03-22T15:06:07","modified_gmt":"2017-03-22T14:06:07","slug":"bien-gerer-sa-pension-quelques-cles","status":"publish","type":"post","link":"https:\/\/www.fiftyandmemagazine.be\/fr\/droit-et-argent\/bien-gerer-sa-pension-quelques-cles","title":{"rendered":"Bien g\u00e9rer sa pension : quelques cl\u00e9s !"},"content":{"rendered":"<span class=\"span-reading-time rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Reading Time: <\/span> <span class=\"rt-time\"> 2<\/span> <span class=\"rt-label rt-postfix\">minutes<\/span><\/span><p><a href=\"http:\/\/www.life-magazine.be\/fr\/wp-content\/uploads\/2015\/02\/Finance.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\" wp-image-504 aligncenter\" src=\"http:\/\/www.life-magazine.be\/fr\/wp-content\/uploads\/2015\/02\/Finance.jpg\" alt=\"Finance\" width=\"408\" height=\"408\" srcset=\"https:\/\/www.fiftyandmemagazine.be\/fr\/wp-content\/uploads\/2015\/02\/Finance.jpg 1000w, https:\/\/www.fiftyandmemagazine.be\/fr\/wp-content\/uploads\/2015\/02\/Finance-768x767.jpg 768w\" sizes=\"auto, (max-width: 408px) 100vw, 408px\" \/><\/a><\/p>\n<p style=\"text-align: justify;\"><strong><span style=\"color: #ff6600;\">O<\/span>n entend souvent dire\u00a0: \u00ab\u00a0il arrivera un jour o\u00f9 on ne pourra plus payer les pensions\u00a0\u00bb. Le syst\u00e8me belge de la pension l\u00e9gale fonctionne selon le principe de la distribution\u00a0: les actifs (les 18-65 ans) paient pour les inactifs (les pensionn\u00e9s et assimil\u00e9s). Alors, tant que les premiers sont (beaucoup) plus nombreux que les seconds&#8230; Mais ce n&rsquo;est pas aussi simple. Tour d&rsquo;horizon.<\/strong><\/p>\n<h3 style=\"text-align: justify;\"><strong>Quatre piliers <\/strong><\/h3>\n<p style=\"text-align: justify;\">Le syst\u00e8me belge des pensions repose sur <strong>quatre piliers\u00a0<\/strong>:<\/p>\n<ul style=\"text-align: justify;\">\n<li>la <strong>pension l\u00e9gale<\/strong>,<\/li>\n<li>la <strong>pension extral\u00e9gale<\/strong>,<\/li>\n<li>la <strong>pension compl\u00e9mentaire<\/strong>,<\/li>\n<li><strong>l\u2019\u00e9pargne individuelle<\/strong>.<\/li>\n<\/ul>\n<h2 style=\"text-align: justify;\"><strong>Ma pension l\u00e9gale<\/strong><\/h2>\n<p style=\"text-align: justify;\">Je g\u00e8re ma pension l\u00e9gale. \u00ab\u00a0Je g\u00e8re\u00a0?\u00a0\u00bb. Oui, il suffit de se <strong>rendre sur le site de l\u2019Office national des pensions (<\/strong><a href=\"http:\/\/www.onprvp.fgov.be\"><strong>www.onprvp.fgov.be<\/strong><\/a><strong>)<\/strong><strong> et de \u00ab\u00a0Calculer votre pension\u00a0\u00bb<\/strong> Attention, les montants indiqu\u00e9s sont des montants bruts. Si vous \u00eates ind\u00e9pendant, c\u2019est (scandaleusement) plus compliqu\u00e9, sur le site du moins. Et il vaut mieux t\u00e9l\u00e9phoner.<\/p>\n<h2 style=\"text-align: justify;\"><strong>Mon assurance de groupe, ma PCLI<\/strong><\/h2>\n<p style=\"text-align: justify;\">Dans ce cas, c\u2019est vous-m\u00eame (avec votre employeur si vous \u00eates salari\u00e9) qui cotisez. Lorsque rien n\u2019est pr\u00e9vu par le secteur ou l\u2019entreprise, il est impossible d\u2019acc\u00e9der \u00e0 ce deuxi\u00e8me pilier, sauf si on est ind\u00e9pendant. Pour les ind\u00e9pendants \u00e0 titre personnel, c\u2019est la pension compl\u00e9mentaire libre pour ind\u00e9pendants (PCLI) qui occupe le terrain. Les <strong>ind\u00e9pendants qui travaillent en soci\u00e9t\u00e9, peuvent recourir \u00e0 l\u2019assurance de groupe<\/strong> et, au niveau personnel, \u00e0 la PCLI. Il y a d\u00e9ductibilit\u00e9 fiscale \u00e0 chaque niveau. Attention, il n\u2019est plus possible aujourd\u2019hui de se constituer une r\u00e9serve de pension dans sa soci\u00e9t\u00e9, elle doit obligatoirement \u00eatre confi\u00e9e \u00e0 une compagnie d\u2019assurance.<\/p>\n<p style=\"text-align: justify;\"><a href=\"http:\/\/www.life-magazine.be\/fr\/wp-content\/uploads\/2015\/02\/Finance2.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-503 aligncenter\" src=\"http:\/\/www.life-magazine.be\/fr\/wp-content\/uploads\/2015\/02\/Finance2.jpg\" alt=\"Finance2\" width=\"452\" height=\"339\" srcset=\"https:\/\/www.fiftyandmemagazine.be\/fr\/wp-content\/uploads\/2015\/02\/Finance2.jpg 1000w, https:\/\/www.fiftyandmemagazine.be\/fr\/wp-content\/uploads\/2015\/02\/Finance2-768x576.jpg 768w\" sizes=\"auto, (max-width: 452px) 100vw, 452px\" \/><\/a><\/p>\n<h2 style=\"text-align: justify;\"><strong>Mon \u00e9pargne pension, mon assurance vie<\/strong><\/h2>\n<p style=\"text-align: justify;\">Produits de type individuel, <strong>l\u2019assurance pension &amp; l\u2019assurance vie vous donnent un rendement garanti.<\/strong> Mais ceux qui suivent l\u2019actualit\u00e9 du secteur savent que ce rendement garanti est menac\u00e9. Du fait du niveau actuel des taux d\u2019int\u00e9r\u00eat, les compagnies d\u2019assurance peinent \u00e0 le maintenir. Elles sont tenues l\u00e9galement de la maintenir, mais un lobbying est en cours pour l\u2019am\u00e9nager.<\/p>\n<h2 style=\"text-align: justify;\"><strong>Ma maison, mon \u00e9pargne<\/strong><\/h2>\n<p style=\"text-align: justify;\">Le quatri\u00e8me pilier rassemble l\u2019immobilier r\u00e9sidentiel et l\u2019\u00e9pargne individuelle soit comptes bancaires, obligations, actions, sicav, fonds de placement et contrats d\u2019assurance hors fiscalit\u00e9 (en Belgique et \u00e0 l\u2019\u00e9tranger). La totalit\u00e9 de<strong> l\u2019\u00e9pargne des belges s\u2019\u00e9l\u00e8ve \u00e0 plus de 240 milliards d\u2019euros\u00a0! <\/strong>En effet, le Belge \u00e9pargne beaucoup\u2026 par crainte de voir ses revenus chuter lorsqu\u2019il prendra sa retraite.<\/p>\n<hr \/>\n<p style=\"text-align: justify;\"><strong>Encore plus d\u2019informations sur <span style=\"color: #ff6600;\"><a style=\"color: #ff6600;\" href=\"http:\/\/www.belgium.be\/fr\/emploi\/pensions_et_fin_de_carriere\/\" target=\"_blank\">le portail des services publiques belges<\/a>.<\/span><\/strong><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p><span class=\"span-reading-time rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Reading Time: <\/span> <span class=\"rt-time\"> 2<\/span> <span class=\"rt-label rt-postfix\">minutes<\/span><\/span>Pour le Belge, sa pension c\u2019est comme sa maison : il ne s\u2019imagine pas vivre sans. Pourvu que ces quelques \u00e9claircissements apportent une pierre \u00e0 votre \u00e9difice ! <\/p>\n","protected":false},"author":2,"featured_media":1412,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[4],"tags":[853,762],"class_list":["post-502","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-droit-et-argent","tag-finance","tag-patrimoine"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Comment bien g\u00e9rer sa pension - LifeMAGAZINE<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fiftyandmemagazine.be\/fr\/droit-et-argent\/bien-gerer-sa-pension-quelques-cles\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Comment bien g\u00e9rer sa pension - LifeMAGAZINE\" \/>\n<meta property=\"og:description\" content=\"Reading Time:  2 minutesPour le Belge, sa pension c\u2019est comme sa maison : il ne s\u2019imagine pas vivre sans. 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