{"id":3197,"date":"2021-03-03T10:27:49","date_gmt":"2021-03-03T09:27:49","guid":{"rendered":"https:\/\/mysavings.be\/article\/ma-pension-complementaire-en-tant-qu-independant\/"},"modified":"2021-04-27T16:54:16","modified_gmt":"2021-04-27T14:54:16","slug":"ma-pension-complementaire-en-tant-qu-independant","status":"publish","type":"silo","link":"https:\/\/mysavings.be\/fr\/nos-produits\/pension\/pension-libre-complementaire\/article\/ma-pension-complementaire-en-tant-qu-independant\/","title":{"rendered":"Ma pension compl\u00e9mentaire en tant qu&rsquo;ind\u00e9pendant"},"content":{"rendered":"<p>Voici en r\u00e9sum\u00e9 les possibilit\u00e9s de d\u00e9duction fiscale dans le cadre de la constitution de votre pension:<\/p>\n<ul>\n<li><a href=\"https:\/\/mysavings.be\/fr\/nos-produits\/pension\/epargne-pension\/\">Epargne-pension<\/a><\/li>\n<li><a href=\"https:\/\/mysavings.be\/fr\/nos-produits\/pension\/epargne-a-long-terme\/\">Epargne \u00e0 long terme si vous n\u2019avez plus\/pas de cr\u00e9dit hypoth\u00e9caire en cours<\/a><\/li>\n<li><a href=\"https:\/\/mysavings.be\/fr\/nos-produits\/pension\/pension-libre-complementaire\/\">Pension libre compl\u00e9mentaire pour ind\u00e9pendants (PLCI)<\/a><\/li>\n<\/ul>\n<p>En tant qu\u2019ind\u00e9pendant, vous avez tout int\u00e9r\u00eat \u00e0 d\u00e9marrer avec la PLCI (pas de taxe \u00e0 l\u2019entr\u00e9e, d\u00e9ductible en tant que frais professionnels, r\u00e9cup\u00e9ration d\u2019imp\u00f4t de la tranche sup\u00e9rieure, diminution des cotisations sociales).<img decoding=\"async\" style=\"float: right; height: 247px; margin: 20px; width: 371px;\" src=\"https:\/\/mysavings.be\/wp-content\/uploads\/2021\/03\/Sprongvanrotsenmetzon.jpg\" alt=\"Comment constituer une pension comme ind\u00e9pendant?\" \/> Compl\u00e9tez par apr\u00e8s par\u00a0une \u00e9pargne-pension (pas de taxe d\u2019entr\u00e9e, 30% de r\u00e9duction d\u2019imp\u00f4ts) et enfin concluez une \u00e9pargne \u00e0 long terme (taxe \u00e0 l\u2019entr\u00e9e sur les primes, 30% de r\u00e9duction d\u2019imp\u00f4ts).<\/p>\n<p>Le d\u00e9savantage de ces formules d\u00e9ductibles fiscalement est la dur\u00e9e. Il vous faut en effet attendre vos 60 ans (et m\u00eame souvent vos 65 ans) pour disposer \u00e0 nouveau de cet argent. Cet inconv\u00e9nient est \u00e0 relativiser vu qu\u2019il s\u2019agit justement de se constituer une pension.<\/p>\n<p><strong>Vous pouvez \u00e9galement vous constituer un patrimoine via <a href=\"https:\/\/mysavings.be\/fr\/nos-produits\/epargner\/\">une \u00e9pargne libre<\/a><\/strong>, non d\u00e9ductible mais non tax\u00e9e en bout de course. Mettre un montant fixe mensuel de c\u00f4t\u00e9 est une mani\u00e8re optimale de vous constituer une poire pour la soif. Fixez-vous un objectif afin de vous \u00ab\u00a0forcer\u00a0\u00bb \u00e0 mettre de c\u00f4t\u00e9 et<strong> faites-le de mani\u00e8re syst\u00e9matique<\/strong>. Utilisez dans ce cadre des formules de placement \u00e0 long terme.<\/p>\n<p>Autres cas:<\/p>\n<ul>\n<li><a href=\"https:\/\/mysavings.be\/fr\/nos-produits\/s-assurer\/couverture-deces\/article\/je-souhaite-proteger-ma-famille\/\">Je souhaite prot\u00e9ger ma famille<\/a><\/li>\n<li><a href=\"https:\/\/mysavings.be\/fr\/nos-produits\/s-assurer\/revenu-garanti\/article\/ou-souscrire-mon-revenu-garanti\/\">O\u00f9 souscrire mon revenu garanti?<\/a><\/li>\n<li><a href=\"https:\/\/mysavings.be\/fr\/nos-produits\/pension\/pension-libre-complementaire-pour-salaries-plcs\/article\/demarrer-constitution-pension-complementaire\/\">D\u00e9marrer la constitution d&rsquo;une pension compl\u00e9mentaire.<\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Voici en r\u00e9sum\u00e9 les possibilit\u00e9s de d\u00e9duction fiscale dans le cadre de la constitution de votre pension: Epargne-pension Epargne \u00e0 long terme si vous n\u2019avez plus\/pas de cr\u00e9dit hypoth\u00e9caire en cours Pension libre compl\u00e9mentaire pour ind\u00e9pendants (PLCI) En tant qu\u2019ind\u00e9pendant, vous avez tout int\u00e9r\u00eat \u00e0 d\u00e9marrer avec la PLCI (pas de taxe \u00e0 l\u2019entr\u00e9e, d\u00e9ductible [&hellip;]<\/p>\n","protected":false},"featured_media":0,"parent":0,"menu_order":125,"template":"","class_list":["post-3197","silo","type-silo","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.6 - 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