{"id":4521,"date":"2021-07-14T17:05:26","date_gmt":"2021-07-14T15:05:26","guid":{"rendered":"https:\/\/pareto.be\/?post_type=silo&#038;p=4521"},"modified":"2025-08-19T09:28:35","modified_gmt":"2025-08-19T07:28:35","slug":"pension","status":"publish","type":"silo","link":"https:\/\/pareto.be\/fr\/tout-savoir\/pension\/","title":{"rendered":"Pension"},"content":{"rendered":"<h2 class=\"p1 medium-title\">Ma pension l\u00e9gale est-elle suffisante pour maintenir mon niveau de vie ?<\/h2>\n<p class=\"p1\">Toute personne qui travaille en Belgique a droit \u00e0 <strong><a href=\"https:\/\/pareto.be\/fr\/tout-savoir\/pension\/la-pension-legale\/\">une pension l\u00e9gale.<\/a><\/strong> Elle est calcul\u00e9e sur la base de la carri\u00e8re professionnelle mais elle est souvent insuffisante pour maintenir le niveau de vie. Il est donc n\u00e9cessaire de se constituer soi-m\u00eame un capital pension.<\/p>\n<h2 class=\"p1 medium-title\">Comment puis-je savoir de combien j&rsquo;ai besoin pour ma retraite ?<\/h2>\n<p class=\"p1\">La d\u00e9termination de vos besoins et l&rsquo;\u00e9laboration d&rsquo;un plan de pension appropri\u00e9 sont essentiels pour calculer le montant dont vous avez besoin pour \u00e9viter des soucis financiers pendant vos vieux jours. Les solutions \u00e0 mettre en \u0153uvre pour assurer la pr\u00e9servation de votre niveau de vie actuel n\u00e9cessitent une analyse personnelle et approfondie de votre situation.<\/p>\n<p class=\"p1\">Cette analyse comprend\u00a0: la cr\u00e9ation d\u2019un plan de pension, une projection de la pension l\u00e9gale et extra l\u00e9gale ainsi qu\u2019une \u00e9tude des niches fiscales \u00e9ventuelles.<\/p>\n<ul class=\"ul1\">\n<li class=\"li1\">\n<h3 class=\"small-title\"><span class=\"s1\">Qu&rsquo;est-ce que la cr\u00e9ation d\u2019un plan de pension?<\/span><\/h3>\n<\/li>\n<\/ul>\n<p class=\"p2\">Un plan de pension consiste \u00e0 \u00e9tablir un plan qui vous permettra d\u2019accumuler un capital suffisant pendant votre carri\u00e8re pour pouvoir maintenir votre niveau de vie apr\u00e8s la retraite. Il se compose donc de deux phases : l&rsquo;accumulation d&rsquo;un capital avant la retraite et la distribution de votre capital apr\u00e8s la retraite.<\/p>\n<ul class=\"ul1\">\n<li class=\"li1\">\n<h3 class=\"small-title\"><span class=\"s1\">Qu&rsquo;est-ce que la pension l\u00e9gale ? <\/span><\/h3>\n<\/li>\n<\/ul>\n<p class=\"p2\">Sur <a href=\"https:\/\/www.mypension.be\">https:\/\/www.mypension.be<\/a> (site du gouvernement), vous trouverez un aper\u00e7u de votre carri\u00e8re et du calcul de votre pension l\u00e9gale, ainsi que la date la plus proche \u00e0 laquelle vous pouvez prendre votre pension l\u00e9gale.<span class=\"Apple-converted-space\">\u00a0 <\/span>Si vous avez accumul\u00e9 des droits \u00e0 une pension dans diff\u00e9rents r\u00e9gimes (salari\u00e9, ind\u00e9pendant, fonctionnaire), vous trouverez \u00e9galement un aper\u00e7u pour chacun de ces r\u00e9gimes s\u00e9par\u00e9ment.<\/p>\n<p class=\"p2\">Ce site vous donne \u00e9galement une projection de ce que vous pouvez attendre comme pension l\u00e9gale \u00e0 la fois \u00e0 la date de retraite la plus proche et \u00e0 la date de retraite normale.<\/p>\n<ul class=\"ul1\">\n<li class=\"li1\">\n<h3 class=\"small-title\"><span class=\"s1\">Qu&rsquo;est-ce que la pension extra-l\u00e9gale ?<\/span><\/h3>\n<\/li>\n<\/ul>\n<p class=\"p2\">La pension extra-l\u00e9gale ou <strong><a href=\"https:\/\/pareto.be\/fr\/tout-savoir\/pension\/la-pension-complementaire\/\">la pension compl\u00e9mentaire<\/a><\/strong> comprend tous vos contrats EIP, PLCI, engagement individuel de pension interne, <a href=\"https:\/\/pareto.be\/fr\/tout-savoir\/pension\/assurance\/\"><strong>assurance<\/strong><\/a> de groupe et\/ou INAMI.<span class=\"Apple-converted-space\">\u00a0 <\/span>Vous pouvez \u00e9galement consulter le site <a href=\"https:\/\/www.mypension.be\">https:\/\/www.mypension.be<\/a>. Vous pouvez y trouver le montant que vous avez d\u00e9j\u00e0 accumul\u00e9 et le capital \u00e9ventuel en cas de d\u00e9c\u00e8s. Vous obtiendrez \u00e9galement une projection de ce que vous pouvez esp\u00e9rer recevoir chaque mois gr\u00e2ce \u00e0 ces <strong><a href=\"https:\/\/pareto.be\/fr\/tout-savoir\/pension\/epargnes\/\">\u00e9pargnes<\/a><\/strong> accumul\u00e9es pour votre pension compl\u00e9mentaire.<\/p>\n<ul class=\"ul1\">\n<li class=\"li1\">\n<h3 class=\"small-title\"><span class=\"s1\">Qu&rsquo;est-ce qu&rsquo;une \u00e9pargne-pension individuelle?<\/span><\/h3>\n<\/li>\n<\/ul>\n<p class=\"p2\">En vous constituant une \u00e9pargne-pension, vous vous constituez un capital pour votre retraite mais vous pouvez \u00e9galement b\u00e9n\u00e9ficier d&rsquo;un avantage fiscal. Le fait d\u2019\u00e9pargner via des placements d\u00e9ductible est particuli\u00e8rement int\u00e9ressante gr\u00e2ce aux avantages fiscaux dont vous pouvez b\u00e9n\u00e9ficier si vous remplissez certaines conditions. L\u2019impact fiscal permet de dynamiser le rendement de votre \u00e9pargne.<\/p>\n<ul class=\"ul1\">\n<li class=\"li1\">\n<h3 class=\"small-title\"><span class=\"s1\">En quoi consiste l&rsquo;\u00e9pargne individuelle ?<\/span><\/h3>\n<\/li>\n<\/ul>\n<p class=\"p2\">Le quatri\u00e8me pilier comprend tous les efforts que vous faites vous-m\u00eame pour vous constituer un petit plus, comme un compte d&rsquo;\u00e9pargne ou un investissement immobilier.<\/p>\n<h2 class=\"medium-title\">Vous souhaitez vous constituer un plan pension ?<\/h2>\n<p>Pareto est un planificateur financier dont l&rsquo;un des services est la r\u00e9alisation votre plan de pension afin que vous ne manquiez de rien pendant votre pension. Demandez votre <a href=\"https:\/\/pareto.be\/fr\/contact\/\">consultation gratuite<\/a> afin que nous puissions mieux comprendre vos attentes et besoins.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pension l\u00e9gale, pensions compl\u00e9mentaires, \u00e9pargnes, assurances&#8230;<\/p>\n","protected":false},"featured_media":3698,"parent":0,"menu_order":0,"template":"","class_list":["post-4521","silo","type-silo","status-publish","has-post-thumbnail","hentry"],"acf":{"silo_children":[4509,5343],"introduction":"<p class=\"p1\">En Belgique, la constitution d&rsquo;une pension repose sur <strong>quatre piliers<\/strong> : la pension l\u00e9gale, la pension extral\u00e9gale\/compl\u00e9mentaire ou l&rsquo;assurance groupe, le plan d&rsquo;\u00e9pargne-pension individuel et l&rsquo;\u00e9pargne\/investissements individuels.<\/p>\n<p class=\"p1\">Un certain nombre de questions se posent lorsqu&rsquo;on cherche un moyen de vivre une vie paisible et confortable pendant sa retraite et donc de se constituer une pension.<\/p>\n<h2 class=\"p1 medium-title\"><\/h2>\n"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Tout savoir sur la pension | Pareto, Family Office<\/title>\n<meta name=\"description\" content=\"Pension l\u00e9gale, pensions compl\u00e9mentaires, \u00e9pargnes, assurances... Retrouvez les conseils de nos experts Pareto.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/pareto.be\/fr\/tout-savoir\/pension\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Tout savoir sur la pension | Pareto, Family Office\" \/>\n<meta property=\"og:description\" content=\"Pension l\u00e9gale, pensions compl\u00e9mentaires, \u00e9pargnes, assurances... Retrouvez les conseils de nos experts Pareto.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/pareto.be\/fr\/tout-savoir\/pension\/\" \/>\n<meta property=\"og:site_name\" content=\"Pareto\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/MyPareto\" \/>\n<meta property=\"article:modified_time\" content=\"2025-08-19T07:28:35+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/pareto.be\/wp-content\/uploads\/2021\/06\/Pension-Pareto--scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1707\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Dur\u00e9e de lecture est.\" \/>\n\t<meta name=\"twitter:data1\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/pareto.be\\\/fr\\\/tout-savoir\\\/pension\\\/\",\"url\":\"https:\\\/\\\/pareto.be\\\/fr\\\/tout-savoir\\\/pension\\\/\",\"name\":\"Tout savoir sur la pension | Pareto, Family Office\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/pareto.be\\\/fr\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/pareto.be\\\/fr\\\/tout-savoir\\\/pension\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/pareto.be\\\/fr\\\/tout-savoir\\\/pension\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/pareto.be\\\/wp-content\\\/uploads\\\/2021\\\/06\\\/Pension-Pareto--scaled.jpg\",\"datePublished\":\"2021-07-14T15:05:26+00:00\",\"dateModified\":\"2025-08-19T07:28:35+00:00\",\"description\":\"Pension l\u00e9gale, pensions compl\u00e9mentaires, \u00e9pargnes, assurances... Retrouvez les conseils de nos experts Pareto.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/pareto.be\\\/fr\\\/tout-savoir\\\/pension\\\/#breadcrumb\"},\"inLanguage\":\"fr-BE\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/pareto.be\\\/fr\\\/tout-savoir\\\/pension\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-BE\",\"@id\":\"https:\\\/\\\/pareto.be\\\/fr\\\/tout-savoir\\\/pension\\\/#primaryimage\",\"url\":\"https:\\\/\\\/pareto.be\\\/wp-content\\\/uploads\\\/2021\\\/06\\\/Pension-Pareto--scaled.jpg\",\"contentUrl\":\"https:\\\/\\\/pareto.be\\\/wp-content\\\/uploads\\\/2021\\\/06\\\/Pension-Pareto--scaled.jpg\",\"width\":2560,\"height\":1707,\"caption\":\"Conseils en pension et r\u00e9alisation de plans de pension\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/pareto.be\\\/fr\\\/tout-savoir\\\/pension\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\\\/\\\/pareto.be\\\/fr\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Pension\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/pareto.be\\\/fr\\\/#website\",\"url\":\"https:\\\/\\\/pareto.be\\\/fr\\\/\",\"name\":\"Pareto\",\"description\":\"Planning for a better life\",\"publisher\":{\"@id\":\"https:\\\/\\\/pareto.be\\\/fr\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/pareto.be\\\/fr\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-BE\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/pareto.be\\\/fr\\\/#organization\",\"name\":\"Pareto\",\"url\":\"https:\\\/\\\/pareto.be\\\/fr\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-BE\",\"@id\":\"https:\\\/\\\/pareto.be\\\/fr\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/pareto.be\\\/wp-content\\\/uploads\\\/2021\\\/03\\\/logo-pareto.svg\",\"contentUrl\":\"https:\\\/\\\/pareto.be\\\/wp-content\\\/uploads\\\/2021\\\/03\\\/logo-pareto.svg\",\"width\":130,\"height\":53,\"caption\":\"Pareto\"},\"image\":{\"@id\":\"https:\\\/\\\/pareto.be\\\/fr\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/MyPareto\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/pareto-financial-partner\\\/\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Tout savoir sur la pension | Pareto, Family Office","description":"Pension l\u00e9gale, pensions compl\u00e9mentaires, \u00e9pargnes, assurances... Retrouvez les conseils de nos experts Pareto.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/pareto.be\/fr\/tout-savoir\/pension\/","og_locale":"fr_FR","og_type":"article","og_title":"Tout savoir sur la pension | Pareto, Family Office","og_description":"Pension l\u00e9gale, pensions compl\u00e9mentaires, \u00e9pargnes, assurances... Retrouvez les conseils de nos experts Pareto.","og_url":"https:\/\/pareto.be\/fr\/tout-savoir\/pension\/","og_site_name":"Pareto","article_publisher":"https:\/\/www.facebook.com\/MyPareto","article_modified_time":"2025-08-19T07:28:35+00:00","og_image":[{"width":2560,"height":1707,"url":"https:\/\/pareto.be\/wp-content\/uploads\/2021\/06\/Pension-Pareto--scaled.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_misc":{"Dur\u00e9e de lecture est.":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/pareto.be\/fr\/tout-savoir\/pension\/","url":"https:\/\/pareto.be\/fr\/tout-savoir\/pension\/","name":"Tout savoir sur la pension | Pareto, Family Office","isPartOf":{"@id":"https:\/\/pareto.be\/fr\/#website"},"primaryImageOfPage":{"@id":"https:\/\/pareto.be\/fr\/tout-savoir\/pension\/#primaryimage"},"image":{"@id":"https:\/\/pareto.be\/fr\/tout-savoir\/pension\/#primaryimage"},"thumbnailUrl":"https:\/\/pareto.be\/wp-content\/uploads\/2021\/06\/Pension-Pareto--scaled.jpg","datePublished":"2021-07-14T15:05:26+00:00","dateModified":"2025-08-19T07:28:35+00:00","description":"Pension l\u00e9gale, pensions compl\u00e9mentaires, \u00e9pargnes, assurances... Retrouvez les conseils de nos experts Pareto.","breadcrumb":{"@id":"https:\/\/pareto.be\/fr\/tout-savoir\/pension\/#breadcrumb"},"inLanguage":"fr-BE","potentialAction":[{"@type":"ReadAction","target":["https:\/\/pareto.be\/fr\/tout-savoir\/pension\/"]}]},{"@type":"ImageObject","inLanguage":"fr-BE","@id":"https:\/\/pareto.be\/fr\/tout-savoir\/pension\/#primaryimage","url":"https:\/\/pareto.be\/wp-content\/uploads\/2021\/06\/Pension-Pareto--scaled.jpg","contentUrl":"https:\/\/pareto.be\/wp-content\/uploads\/2021\/06\/Pension-Pareto--scaled.jpg","width":2560,"height":1707,"caption":"Conseils en pension et r\u00e9alisation de plans de pension"},{"@type":"BreadcrumbList","@id":"https:\/\/pareto.be\/fr\/tout-savoir\/pension\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/pareto.be\/fr\/"},{"@type":"ListItem","position":2,"name":"Pension"}]},{"@type":"WebSite","@id":"https:\/\/pareto.be\/fr\/#website","url":"https:\/\/pareto.be\/fr\/","name":"Pareto","description":"Planning for a better life","publisher":{"@id":"https:\/\/pareto.be\/fr\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/pareto.be\/fr\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-BE"},{"@type":"Organization","@id":"https:\/\/pareto.be\/fr\/#organization","name":"Pareto","url":"https:\/\/pareto.be\/fr\/","logo":{"@type":"ImageObject","inLanguage":"fr-BE","@id":"https:\/\/pareto.be\/fr\/#\/schema\/logo\/image\/","url":"https:\/\/pareto.be\/wp-content\/uploads\/2021\/03\/logo-pareto.svg","contentUrl":"https:\/\/pareto.be\/wp-content\/uploads\/2021\/03\/logo-pareto.svg","width":130,"height":53,"caption":"Pareto"},"image":{"@id":"https:\/\/pareto.be\/fr\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/MyPareto","https:\/\/www.linkedin.com\/company\/pareto-financial-partner\/"]}]}},"_links":{"self":[{"href":"https:\/\/pareto.be\/fr\/wp-json\/wp\/v2\/silo\/4521","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pareto.be\/fr\/wp-json\/wp\/v2\/silo"}],"about":[{"href":"https:\/\/pareto.be\/fr\/wp-json\/wp\/v2\/types\/silo"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/pareto.be\/fr\/wp-json\/wp\/v2\/media\/3698"}],"wp:attachment":[{"href":"https:\/\/pareto.be\/fr\/wp-json\/wp\/v2\/media?parent=4521"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}