{"id":877,"date":"2021-02-24T22:39:26","date_gmt":"2021-02-24T21:39:26","guid":{"rendered":"https:\/\/mysavings.be\/nos-produits\/la-regle-des-80-en-theorie\/"},"modified":"2024-02-16T17:53:22","modified_gmt":"2024-02-16T16:53:22","slug":"la-regle-des-80-en-theorie","status":"publish","type":"product","link":"https:\/\/mysavings.be\/fr\/nos-produits\/pension\/eip-assurance-groupe\/Information\/la-regle-des-80-en-theorie\/","title":{"rendered":"La r\u00e8gle des 80% : en th\u00e9orie"},"content":{"rendered":"<p>La constitution d\u2019une pension compl\u00e9mentaire au travers de leur soci\u00e9t\u00e9 est pour beaucoup de dirigeants d\u2019entreprise<strong> une des raisons principales <\/strong>de travailler en structure soci\u00e9taire. <strong>L\u2019augmentation du pr\u00e9compte mobilier\u00a0\u00e0 30%<\/strong>, apr\u00e8s d\u00e9duction de l\u2019imp\u00f4t des soci\u00e9t\u00e9s, fait du plan de pension financ\u00e9 par la soci\u00e9t\u00e9 l\u2019une des formes de r\u00e9mun\u00e9ration les plus int\u00e9ressantes fiscalement.<\/p>\n<p>La condition pour pouvoir b\u00e9n\u00e9ficier de cet avantage est de s\u2019octroyer, au moins <strong>sur base mensuelle, une r\u00e9mun\u00e9ration r\u00e9guli\u00e8re<\/strong>. Les avantages de toute nature (cotisations sociales pay\u00e9es par la soci\u00e9t\u00e9, voiture de soci\u00e9t\u00e9, gsm, internet, \u00e9lectricit\u00e9, chauffage, \u2026) sont pris en compte. Il est conseill\u00e9 d\u2019attribuer ces avantages de toute nature de mani\u00e8re mensuelle. Pour les cotisations sociales c&rsquo;est plus compliqu\u00e9 dans la mesure o\u00f9 vous les payez de mani\u00e8re trimestrielle, mais\u00a0le fisc accepte de les int\u00e9grer dans le calcul.<\/p>\n<p><strong>Pourquoi est-ce que l\u2019attribution d\u2019une r\u00e9mun\u00e9ration r\u00e9guli\u00e8re est-elle importante?<\/strong> Parce que celle-ci est prise comme base de calcul du montant maximal de pension que vous pouvez constituer au travers votre soci\u00e9t\u00e9 par versement des primes d\u00e9ductibles. Il s\u2019agit de la r\u00e8gle des 80%.\u00a0 Quelques exemples pour un dirigeant d&rsquo;entreprise avec une carri\u00e8re compl\u00e8te (40 ans), mari\u00e9 ou cohabitant l\u00e9gal.<\/p>\n<p>De quelles donn\u00e9es avons-nous besoin pour ce faire ?<\/p>\n<p>1. <strong style=\"letter-spacing: 0.025em;\"><u>R\u00e9mun\u00e9ration brute exacte pour 2020 :<\/u><\/strong><span style=\"letter-spacing: 0.025em;\"> via la fiche 281.20 (vous pouvez la t\u00e9l\u00e9charger sous Mes Documents via la plateforme <\/span><a style=\"letter-spacing: 0.025em;\" href=\"http:\/\/www.myminfin.be\">www.myminfin.be<\/a><span style=\"letter-spacing: 0.025em;\">)<\/span><\/p>\n<p>2. <strong style=\"letter-spacing: 0.025em;\"><u>R\u00e9mun\u00e9ration brute de l&rsquo;exercice en cours 2024<\/u><\/strong><span style=\"letter-spacing: 0.025em;\"> (avec ou sans rupture de l&rsquo;exercice et\/ou via un comptable) :<\/span><\/p>\n<p><span style=\"letter-spacing: 0.025em;\">3. <\/span>Pour calculer votre pension l\u00e9gale, nous avons besoin de la <strong><u>date exacte du d\u00e9but de chaque carri\u00e8re partielle professionnelle<\/u><\/strong> :<\/p>\n<ul>\n<li>Par exemple<\/li>\n<\/ul>\n<p style=\"padding-left: 40px;\">D\u00e9but en tant qu&#8217;employ\u00e9 : 1<sup>er<\/sup> octobre 2000<br \/>\nD\u00e9but de l&rsquo;activit\u00e9 ind\u00e9pendante : 1<sup>er<\/sup> avril 2009<\/p>\n<p>Cette information se trouve \u00e9galement sur <a href=\"http:\/\/www.mypension.be\">www.mypension.be<\/a>, dans l\u2019onglet \u00ab\u00a0Ma carri\u00e8re de pension\u00a0\u00bb, o\u00f9 vous pouvez ouvrir chaque statut.<\/p>\n<p>4. <strong style=\"letter-spacing: 0.025em;\"><u>D\u00e9tails de la pension compl\u00e9mentaire<\/u><\/strong><span style=\"letter-spacing: 0.025em;\"> que vous trouvez sur <\/span><a style=\"letter-spacing: 0.025em;\" href=\"http:\/\/www.mypension.be\">www.mypension.be<\/a><span style=\"letter-spacing: 0.025em;\"> dans l\u2019onglet \u00ab pension compl\u00e9mentaire \u00bb en t\u00e9l\u00e9chargeant \u00ab mon dossier complet 2023 \u00bb.<\/span><\/p>\n<p><span style=\"letter-spacing: 0.025em;\">5. <\/span><span style=\"letter-spacing: 0.025em;\">OPTIONNEL\u00a0: Montant exact de la pension l\u00e9gale selon MyPension (montant brut par mois, voir l&rsquo;onglet Mes plans de pension). Souvent, ce montant est inf\u00e9rieur \u00e0 celui calcul\u00e9 sur la base des 3 questions ci-dessus et vous pouvez choisir d&rsquo;utiliser ce montant inf\u00e9rieur dans votre calcul, ce qui vous permettra de vous constituer une pension compl\u00e9mentaire plus \u00e9lev\u00e9e.<\/span><\/p>\n<p>Il n&rsquo;y a pas de limite sur le capital maximal que vous pouvez constituer, vous devez cependant respecter la r\u00e8gle des 80%.\u00a0 <strong>Profitez<\/strong>\u00a0aujourd&rsquo;hui des <strong>r\u00e8gles actuelles <\/strong>et demandez-nous\u00a0conseil et accompagnement, sans aucun engagement.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>La constitution d\u2019une pension compl\u00e9mentaire au travers de leur soci\u00e9t\u00e9 est pour beaucoup de dirigeants d\u2019entreprise une des raisons principales de travailler en structure soci\u00e9taire. L\u2019augmentation du pr\u00e9compte mobilier\u00a0\u00e0 30%, apr\u00e8s d\u00e9duction de l\u2019imp\u00f4t des soci\u00e9t\u00e9s, fait du plan de pension financ\u00e9 par la soci\u00e9t\u00e9 l\u2019une des formes de r\u00e9mun\u00e9ration les plus int\u00e9ressantes fiscalement. La [&hellip;]<\/p>\n","protected":false},"featured_media":0,"parent":669,"menu_order":7,"template":"","class_list":["post-877","product","type-product","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>La r\u00e8gle des 80%: en th\u00e9orie | MySavings, votre expert pension<\/title>\n<meta name=\"description\" content=\"Optimisez votre r\u00e8gle des 80% ! 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