{"id":6732,"date":"2015-01-01T00:00:00","date_gmt":"2014-12-31T23:00:00","guid":{"rendered":"https:\/\/mysavings.be\/centre-dinfo\/qu-entend-on-par\/"},"modified":"2021-04-14T16:58:31","modified_gmt":"2021-04-14T14:58:31","slug":"qu-entend-on-par","status":"publish","type":"info","link":"https:\/\/mysavings.be\/fr\/centre-dinfo\/qu-entend-on-par\/","title":{"rendered":"Qu’entend-on par"},"content":{"rendered":"

Deuxi\u00e8me Pilier<\/u><\/p>\n

Concernant les salari\u00e9s<\/strong>, le deuxi\u00e8me pilier se compose des assurances groupes et des fonds de pension que l\u2019employeur \u00e0 constitu\u00e9 pour ses salari\u00e9s (ou ceux qui ont \u00e9t\u00e9 mis en place au niveau des commissions paritaires sectorielles).
\nPratiquement, c\u2019est par le biais de votre employeur que vous constituerez votre deuxi\u00e8me pilier. En tant qu’employ\u00e9, vous devez \u00eatre inform\u00e9s de ce que votre employeur a vers\u00e9 pour vous dans le deuxi\u00e8me pilier. Chaque ann\u00e9e, vous devez recevoir un aper\u00e7u du capital qu\u2019a constitu\u00e9 votre employeur dans le cadre du deuxi\u00e8me pilier.<\/p>\n

Concernant les ind\u00e9pendants<\/strong>, le deuxi\u00e8me pilier\u00a0 comprend la pension compl\u00e9mentaire qu\u2019ils constituent dans le cadre de leur activit\u00e9 professionnelle. En tant qu\u2019ind\u00e9pendant, c\u2019est \u00e0 vous de prendre l\u2019initiative et de cotiser dans le cadre du deuxi\u00e8me pilier. Comme vous exercez votre activit\u00e9 d\u2019ind\u00e9pendant en soci\u00e9t\u00e9 ou en personne physique, d\u2019autres possibilit\u00e9s s\u2019offrent \u00e0 vous.<\/p>\n

Les fonctionnaires<\/strong> statutaires ne peuvent, en pratique, pas agr\u00e9menter leur deuxi\u00e8me pilier par le biais d\u2019assurances compl\u00e9mentaires, mais ils b\u00e9n\u00e9ficient de pensions l\u00e9gales plus \u00e9lev\u00e9es.<\/p>\n

Troisi\u00e8me Pilier<\/u><\/p>\n

Le troisi\u00e8me pilier<\/strong> se r\u00e9f\u00e8re \u00e0 des formules d\u2019\u00e9pargne individuelles et volontaires (assurance \u00e9pargne-pension, fonds d\u2019\u00e9pargne-pension, \u00e9pargne long-terme) qui b\u00e9n\u00e9ficient aussi de r\u00e9ductions d\u2019imp\u00f4t.<\/p>\n

Quatri\u00e8me Pilier<\/u><\/p>\n

En Belgique, certaines formes d\u2019\u00e9pargne et de placements ne donnent pas droit \u00e0 des avantages fiscaux. Ces derniers sont parfois d\u00e9sign\u00e9s comme formant le 4i\u00e8me pilier<\/strong>. Il s\u2019agit principalement de l\u2019\u00e9pargne libre et des placements.
\nL\u2019achat d\u2019une maison peut \u00eatre consid\u00e9r\u00e9 comme un acte contribuant \u00e0 la formation de votre 5e pilier. Cet achat peut vous permettre, une fois plus \u00e2g\u00e9, de maintenir votre niveau de vie. En effet, dans un premier temps, il est possible d\u2019y vivre sans devoir payer de loyer.\u00a0 Et en cas de revente, le produit de la vente vous permettra de maintenir votre niveau de vie pendant un certain temps.<\/p>\n

Les capitaux constitu\u00e9s dans le cadre du second, troisi\u00e8me et quatri\u00e8me pilier am\u00e9liorent donc votre niveau de vie apr\u00e8s votre pension. Il est souvent int\u00e9ressant de commencer t\u00f4t \u00e0 d\u00e9velopper un capital de pension qui r\u00e9pondra \u00e0 vos besoins financiers futurs.<\/p>\n","protected":false},"excerpt":{"rendered":"

Deuxi\u00e8me Pilier Concernant les salari\u00e9s, le deuxi\u00e8me pilier se compose des assurances groupes et des fonds de pension que l\u2019employeur \u00e0 constitu\u00e9 pour ses salari\u00e9s (ou ceux qui ont \u00e9t\u00e9 mis en place au niveau des commissions paritaires sectorielles). Pratiquement, c\u2019est par le biais de votre employeur que vous constituerez votre deuxi\u00e8me pilier. En tant […]<\/p>\n","protected":false},"author":1,"featured_media":8080,"template":"","class_list":["post-6732","info","type-info","status-publish","has-post-thumbnail","hentry","category-faq"],"acf":[],"yoast_head":"\nQu'entend-on par - MySavings<\/title>\n<meta name=\"description\" content=\"Deuxi\u00e8me Pilier Concernant les salari\u00e9s, le deuxi\u00e8me pilier se compose des assurances groupes et des fonds de pension que l\u2019employeur \u00e0 constitu\u00e9 pour ses\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/mysavings.be\/fr\/centre-dinfo\/qu-entend-on-par\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Qu'entend-on par - MySavings\" \/>\n<meta property=\"og:description\" content=\"Deuxi\u00e8me Pilier Concernant les salari\u00e9s, le deuxi\u00e8me pilier se compose des assurances groupes et des fonds de pension que l\u2019employeur \u00e0 constitu\u00e9 pour ses\" \/>\n<meta property=\"og:url\" content=\"https:\/\/mysavings.be\/fr\/centre-dinfo\/qu-entend-on-par\/\" \/>\n<meta property=\"og:site_name\" content=\"MySavings\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/MySavings.be\" \/>\n<meta property=\"article:modified_time\" content=\"2021-04-14T14:58:31+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/mysavings.be\/wp-content\/uploads\/2015\/01\/16-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2000\" \/>\n\t<meta property=\"og:image:height\" content=\"1600\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Dur\u00e9e de lecture est.\" \/>\n\t<meta name=\"twitter:data1\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/mysavings.be\\\/fr\\\/centre-dinfo\\\/qu-entend-on-par\\\/\",\"url\":\"https:\\\/\\\/mysavings.be\\\/fr\\\/centre-dinfo\\\/qu-entend-on-par\\\/\",\"name\":\"Qu'entend-on par - 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