{"id":6755,"date":"2017-06-28T00:00:00","date_gmt":"2017-06-27T22:00:00","guid":{"rendered":"https:\/\/mysavings.be\/centre-dinfo\/complement-a-ma-pension-legale\/"},"modified":"2021-04-07T17:40:08","modified_gmt":"2021-04-07T15:40:08","slug":"complement-a-ma-pension-legale","status":"publish","type":"info","link":"https:\/\/mysavings.be\/fr\/centre-dinfo\/complement-a-ma-pension-legale\/","title":{"rendered":"Compl\u00e9ment \u00e0 ma pension l\u00e9gale"},"content":{"rendered":"<p><strong>Plan d&rsquo;action:<\/strong><\/p>\n<ul>\n<li>\u200bD\u00e9finissez votre niveau de vie\u00a0: quels sont mes d\u00e9penses et mes besoins financiers\u00a0? Pensez \u00e0 votre logement, boire et manger, loisirs, transports, communications, sant\u00e9, assurances, \u2026<\/li>\n<li>Avez-vous des revenus autres que votre pension l\u00e9gale\u00a0? Loyers, rentes, \u2026<\/li>\n<li>La diff\u00e9rence est ce qu\u2019on appelle \u00ab\u00a0l&rsquo;\u00e9cart de pension\u00a0\u00bb. Cela signifie que vous devrez utilisez votre patrimoine.<\/li>\n<li>Calculez la diff\u00e9rence sur base annuelle et estimez le nombre d\u2019ann\u00e9es dont vous aurez besoin de ce montant, comptez 20 ans d\u2019esp\u00e9rance de vie \u00e0 partir de vos 65 ans, cela signifie qu\u2019un d\u00e9ficit de 1.000 euro\u00a0par mois, revient \u00e0 12.000 euro\u00a0par an pendant 20 ans\u00a0; soit un total de 240.000 euro.<\/li>\n<\/ul>\n<p><strong>\u00catre rentier ou vivre de ses int\u00e9r\u00eats n\u2019est plus d\u2019actualit\u00e9.<\/strong> Dans le pass\u00e9 cela se faisait par l\u2019encaissement d\u2019un coupon ou le paiement d\u2019int\u00e9r\u00eats, mais par la modification de la fiscalit\u00e9 (au d\u00e9triment des formules distribuant une rente) et les faibles int\u00e9r\u00eats, c&rsquo; est de plus en plus difficile aujourd\u2019hui.<\/p>\n<p><strong>Quels sont les alternatives\u00a0? Quels sont les conseils de MySavings?<\/strong><\/p>\n<p>Voyez votre patrimoine comme une tarte et au lieu de vivre des int\u00e9r\u00eats de celui-ci, faites un plan pour une p\u00e9riode d\u00e9termin\u00e9e (par exemple 8 ou 10 ans). Reprenons l\u2019exemple pr\u00e9cit\u00e9 o\u00f9 vous aviez besoin de 1.000 euro\u00a0par mois de compl\u00e9ment, cela repr\u00e9sente +- <strong>100.000 euro<\/strong>\u00a0\u00e0 mettre de c\u00f4t\u00e9 afin d\u2019avoir la certitude de b\u00e9n\u00e9ficier de ce revenu <strong>pendant 8 \u00e0 10 ans<\/strong>. Faites-le via un compte d\u2019\u00e9pargne ou un produit d\u2019assurance qui offre plus de s\u00e9curit\u00e9 et est sp\u00e9cialement con\u00e7u \u00e0 cet effet. Demandez ici une offre ou jetez un coup d\u2019\u0153il sur l\u2019aper\u00e7u des produits propos\u00e9s.<br \/>\nL\u2019avantage de cette m\u00e9thode\u00a0:<\/p>\n<ul>\n<li>Vous pouvez \u00eatre serein pour l\u2019avenir, car vous avez la certitude de toucher un revenu mensuel<\/li>\n<li>Vous pouvez prendre librement des d\u00e9cisions concernant le reste de votre patrimoine, car cette incertitude a disparu<\/li>\n<li>Vous investissez le reste au choix, rendement garanti, dynamique, en immobilier ou dans des produits structur\u00e9s, en fonction de votre profil d\u2019investisseur<\/li>\n<\/ul>\n<p>Pr\u00e9parez \u00e9ventuellement d\u00e9j\u00e0 votre \u00ab\u00a0deuxi\u00e8me\u00a0\u00bb p\u00e9riode de rentier, en immobilisant une partie dans par exemple une branche 21 (exon\u00e9ration de pr\u00e9compte mobilier au-del\u00e0 de 8 ans).<\/p>\n<ul>\n<li>C\u2019est un plan avec un horizon ad\u00e9quat (\u00e0 plus court terme cela offre trop peu de s\u00e9r\u00e9nit\u00e9 afin de prendre des d\u00e9cisions, \u00e0 plus long terme il y a trop de choses qui \u00e9volueront tel la fiscalit\u00e9, la situation priv\u00e9e, les besoins financiers, \u2026)<\/li>\n<\/ul>\n<p><strong>Vous le remarquez d\u00e9j\u00e0, la planification financi\u00e8re est une question de bon sens. Contactez-nous pour plus d\u2019information ou demandez un rendez-vous afin d\u2019adapter cela \u00e0 votre situation personnelle.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Plan d&rsquo;action: \u200bD\u00e9finissez votre niveau de vie\u00a0: quels sont mes d\u00e9penses et mes besoins financiers\u00a0? Pensez \u00e0 votre logement, boire et manger, loisirs, transports, communications, sant\u00e9, assurances, \u2026 Avez-vous des revenus autres que votre pension l\u00e9gale\u00a0? Loyers, rentes, \u2026 La diff\u00e9rence est ce qu\u2019on appelle \u00ab\u00a0l&rsquo;\u00e9cart de pension\u00a0\u00bb. Cela signifie que vous devrez utilisez votre [&hellip;]<\/p>\n","protected":false},"author":13,"featured_media":6894,"template":"","class_list":["post-6755","info","type-info","status-publish","has-post-thumbnail","hentry","category-news"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Compl\u00e9ment \u00e0 ma pension l\u00e9gale - MySavings<\/title>\n<meta name=\"description\" content=\"Plan d&#039;action: \u200bD\u00e9finissez votre niveau de vie\u00a0: quels sont mes d\u00e9penses et mes besoins financiers\u00a0? 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