{"id":3198,"date":"2021-03-03T10:27:49","date_gmt":"2021-03-03T09:27:49","guid":{"rendered":"https:\/\/mysavings.be\/article\/demarrer-constitution-pension-complementaire\/"},"modified":"2021-05-10T13:08:16","modified_gmt":"2021-05-10T11:08:16","slug":"demarrer-constitution-pension-complementaire","status":"publish","type":"silo","link":"https:\/\/mysavings.be\/fr\/nos-produits\/pension\/pension-libre-complementaire-pour-salaries-plcs\/article\/demarrer-constitution-pension-complementaire\/","title":{"rendered":"D\u00e9marrer la constitution d&rsquo;une pension compl\u00e9mentaire"},"content":{"rendered":"<ul>\n<li>Estimez tout d\u2019abord de vos besoins \u00e0 la pension<\/li>\n<li>Commencez par vous poser<strong> la question de votre niveau de vie<\/strong>\u00a0? Une question difficile, de par notre exp\u00e9rience nous comptons sur un montant de 2.500 \u00e0 4.500 euro par mois (tout compris). Utilisez \u00e9ventuellement notre outil de calcul pour d\u00e9finir vos besoins de m\u00e9nage.<\/li>\n<li>Sur quelle <strong>pension l\u00e9gale<\/strong> pouvez-vous compter\u00a0? Connaissez-vous le montant ou faites une estimation avec le pensiom\u00e8tre.<\/li>\n<li>A combien s\u2019\u00e9l\u00e8ve <strong>la diff\u00e9rence<\/strong> par mois\u00a0? Exemple\u00a0: montant souhait\u00e9 3.500 euro, estimation pension l\u00e9gale 2.000 euro, diff\u00e9rence de 1.500 euro par mois.<\/li>\n<li>Calculez le capital dont vous avez besoin jusqu\u2019\u00e0 vos 85 ans par exemple avec notre outil de calcul.<img decoding=\"async\" style=\"float: right; height: 259px; margin: 20px; width: 388px;\" src=\"https:\/\/mysavings.be\/wp-content\/uploads\/2021\/03\/Madelief.jpg\" alt=\"Planification dans toutes ses formes\" \/><\/li>\n<\/ul>\n<ul>\n<li>Un capital de 100.000 euro donne sur une dur\u00e9e de 20 ans +- 500 euro extra par mois, tenant compte d\u2019un rendement net de 2%.<\/li>\n<li>Ou plus facilement, en faisant l\u2019hypoth\u00e8se que le rendement est tr\u00e8s faible ou inexistant en d\u00e9duisant l\u2019inflation, vous faites\u00a0: d\u00e9ficit mensuel x 12 x nombre d\u2019ann\u00e9es durant lesquelles vous aurez besoin d\u2019un suppl\u00e9ment.<\/li>\n<li>Soit 360.000 euro dans notre exemple.<\/li>\n<\/ul>\n<p><strong>Ceci est le capital que vous devez constituer pour votre pension. Comment allons-nous constituer ce capital\u00a0?<\/strong><\/p>\n<ul>\n<li>Utilisez vos r\u00e9serves d\u2019\u00e9pargne fiscale* et calculez votre capital \u00e0 terme avec nos outils de calcul.<\/li>\n<li>Compl\u00e9tez ceci avec une \u00e9pargne patrimoniale ou un plan d\u2019\u00e9pargne libre par mois.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>*Quelles sont les possibilit\u00e9s\u00a0? Il existe un certain nombre niches fiscales que vous pouvez utiliser. Celles-ci sont diff\u00e9rentes en fonction du statut social. <a href=\"https:\/\/mysavings.be\/fr\/nos-produits\/pension\/\">Voyez-ci apr\u00e8s\u00a0l&rsquo;aper\u00e7u.\u00a0<\/a><\/p>\n<p>Autres cas:<\/p>\n<ul>\n<li><a href=\"https:\/\/mysavings.be\/fr\/nos-produits\/pension\/pension-libre-complementaire\/article\/constituer-une-societe\/\">Pourquoi constituer une soci\u00e9t\u00e9?<\/a><\/li>\n<li><a href=\"https:\/\/mysavings.be\/fr\/centre-dinfo\/ma-protection-sociale-en-societe-de-management\/\">Ma protection sociale en soci\u00e9t\u00e9 de management: comment faire?<\/a><\/li>\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<\/ul>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Estimez tout d\u2019abord de vos besoins \u00e0 la pension Commencez par vous poser la question de votre niveau de vie\u00a0? Une question difficile, de par notre exp\u00e9rience nous comptons sur un montant de 2.500 \u00e0 4.500 euro par mois (tout compris). Utilisez \u00e9ventuellement notre outil de calcul pour d\u00e9finir vos besoins de m\u00e9nage. Sur quelle [&hellip;]<\/p>\n","protected":false},"featured_media":0,"parent":0,"menu_order":126,"template":"","class_list":["post-3198","silo","type-silo","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>D\u00e9marrer la constitution d&#039;une pension compl\u00e9mentaire - MySavings<\/title>\n<meta name=\"description\" content=\"Pension libre compl\u00e9mentaire | D\u00e9marrez la constitution d&#039;une pension compl\u00e9mentaire avec MySavings, votre expert pension\" \/>\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\/nos-produits\/pension\/pension-libre-complementaire-pour-salaries-plcs\/article\/demarrer-constitution-pension-complementaire\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"D\u00e9marrer la constitution d&#039;une pension compl\u00e9mentaire - 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