{"id":14667,"date":"2024-02-28T15:42:50","date_gmt":"2024-02-28T14:42:50","guid":{"rendered":"https:\/\/quercus-rc.be\/?p=14667"},"modified":"2024-02-28T15:43:24","modified_gmt":"2024-02-28T14:43:24","slug":"pension-legale-vous-suffira","status":"publish","type":"post","link":"https:\/\/quercus-rc.be\/en\/2024\/02\/28\/pension-legale-vous-suffira\/","title":{"rendered":"Votre pension l\u00e9gale vous suffira-t-elle ?"},"content":{"rendered":"<p class=\"wp-block-paragraph\"><strong>La\u00a0r\u00e9ponse\u00a0est\u00a0simple\u00a0:\u00a0non\u00a0!<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Du moins, pour la plupart des Belges. Car la pension que vous recevez de l\u2019\u00c9tat est (nettement) inf\u00e9rieure \u00e0 votre dernier salaire et ne suffira pas pour maintenir votre niveau de vie. Pensez donc \u00e0 vous constituer une pension compl\u00e9mentaire. De quoi combler le foss\u00e9 et pr\u00e9server votre confort futur.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Posez-vous\u00a03\u00a0questions\u00a0!<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>1.\u00a0Quand\u00a0puis-je\u00a0prendre\u00a0ma\u00a0pension??<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019\u00e2ge l\u00e9gal de la pension est de 65 ans en Belgique. Une carri\u00e8re compl\u00e8te dure 45 ans.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En principe, la pension l\u00e9gale ou pension de retraite peut commencer le premier jour du mois qui suit celui o\u00f9 l&#8217;on atteint l\u2019\u00e2ge l\u00e9gal de la retraite. &nbsp;Par exemple, si vous atteignez l&#8217;\u00e2ge de 66 ans en mars&nbsp;2026, vous pouvez prendre votre retraite le 1er avril&nbsp;2026.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>Date<\/td><td>\u00c2ge l\u00e9gal de la pension<\/td><\/tr><tr><td>Jusqu\u2019au 31 janvier 2025<\/td><td>65 ans<\/td><\/tr><tr><td>Du 1er f\u00e9vrier 2025 jusqu\u2019au 31 janvier 2030<\/td><td>66 ans<\/td><\/tr><tr><td>\u00c0 partir du 1er f\u00e9vrier 2030<\/td><td>67 ans<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><em>\u00a02.\u00a0Quel\u00a0sera\u00a0le\u00a0montant\u00a0de\u00a0ma\u00a0pension\u00a0l\u00e9gale??<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Chaque Belge qui travaille a droit \u00e0 une pension l\u00e9gale. Le montant de votre pension d\u00e9pend de votre statut, de votre carri\u00e8re et de votre salaire. Il diff\u00e8re donc fortement d\u2019une personne \u00e0 l\u2019autre. Une pension minimale garantie est toutefois fix\u00e9e lorsque vous effectuez une carri\u00e8re compl\u00e8te. Vu que la plupart d\u2019entre nous ne travaillent pas 45 ann\u00e9es compl\u00e8tes, la pension moyenne effective est donc g\u00e9n\u00e9ralement inf\u00e9rieure \u00e0 la pension minimale.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>3.\u00a0De\u00a0combien\u00a0aurai-je\u00a0besoin\u00a0pour\u00a0ma\u00a0pension??<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le Belge vivra en moyenne&nbsp;<a href=\"https:\/\/statbel.fgov.be\/fr\/themes\/population\/mortalite-et-esperance-de-vie\/tables-de-mortalite-et-esperance-de-vie\">encore 23 ans<\/a>&nbsp;apr\u00e8s avoir pris sa retraite. Votre d\u00e9part \u00e0 la retraite rime heureusement avec une baisse d\u2019environ 10&nbsp;% des d\u00e9penses du m\u00e9nage. Un pensionn\u00e9 isol\u00e9 d\u00e9pense ainsi environ 1?733&nbsp;\u20ac par mois, tandis qu\u2019un couple pensionn\u00e9 d\u00e9pense 2?599&nbsp;\u20ac. Vos revenus diminuent toutefois de bien plus que 10&nbsp;%. La pension l\u00e9gale ne repr\u00e9sente m\u00eame pas la moiti\u00e9 du dernier salaire de la plupart des Belges.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Abordons ensemble ce sujet \u00e9pineux et \u00e9tablissons ensemble votre plan sur mesure&nbsp;!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp;<strong>Q<\/strong>uercus&nbsp;Risk &amp; Capital&nbsp;:&nbsp;<a href=\"mailto:contact@quercus-rc.be\">contact@quercus-rc.be<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>La\u00a0r\u00e9ponse\u00a0est\u00a0simple\u00a0:\u00a0non\u00a0! Du moins, pour la plupart des Belges. Car la pension que vous recevez de l\u2019\u00c9tat est (nettement) inf\u00e9rieure \u00e0 votre dernier salaire et ne suffira pas pour maintenir votre [&hellip;]<\/p>\n","protected":false},"author":103368777,"featured_media":14671,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_crdt_document":"","advanced_seo_description":"","jetpack_seo_html_title":"","jetpack_seo_noindex":false,"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[6412],"tags":[6425,6421,6426,6423,6391,6413],"class_list":["post-14667","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pension","tag-6425","tag-belgique","tag-calcul","tag-contrat","tag-fiscalite","tag-pension"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/quercus-rc.be\/wp-content\/uploads\/2024\/02\/pexels-andrea-piacquadio-3823494.jpg?fit=6100%2C4067&ssl=1","jetpack_likes_enabled":true,"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/pgPayC-3Oz","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/quercus-rc.be\/en\/wp-json\/wp\/v2\/posts\/14667","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/quercus-rc.be\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/quercus-rc.be\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/quercus-rc.be\/en\/wp-json\/wp\/v2\/users\/103368777"}],"replies":[{"embeddable":true,"href":"https:\/\/quercus-rc.be\/en\/wp-json\/wp\/v2\/comments?post=14667"}],"version-history":[{"count":4,"href":"https:\/\/quercus-rc.be\/en\/wp-json\/wp\/v2\/posts\/14667\/revisions"}],"predecessor-version":[{"id":14673,"href":"https:\/\/quercus-rc.be\/en\/wp-json\/wp\/v2\/posts\/14667\/revisions\/14673"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/quercus-rc.be\/en\/wp-json\/wp\/v2\/media\/14671"}],"wp:attachment":[{"href":"https:\/\/quercus-rc.be\/en\/wp-json\/wp\/v2\/media?parent=14667"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/quercus-rc.be\/en\/wp-json\/wp\/v2\/categories?post=14667"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/quercus-rc.be\/en\/wp-json\/wp\/v2\/tags?post=14667"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}