{"id":46,"date":"2025-12-19T17:03:45","date_gmt":"2025-12-19T17:03:45","guid":{"rendered":"https:\/\/gcn-patrimoine.fr\/actu\/?p=46"},"modified":"2025-12-19T17:03:45","modified_gmt":"2025-12-19T17:03:45","slug":"combien-vais-je-toucher-a-la-retraite","status":"publish","type":"post","link":"https:\/\/gcn-patrimoine.fr\/actu\/combien-vais-je-toucher-a-la-retraite\/","title":{"rendered":"Combien vais-je toucher \u00e0 la retraite ?"},"content":{"rendered":"<h2 data-start=\"792\" data-end=\"839\">\u00ab <strong data-start=\"794\" data-end=\"837\">Combien vais-je toucher \u00e0 la retraite ?<\/strong> \u00bb<\/h2>\n<p data-start=\"722\" data-end=\"790\">La retraite, une pr\u00e9occupation devenue centrale pour les Fran\u00e7ais<\/p>\n<p data-start=\"841\" data-end=\"1080\">Cette question, en apparence simple, est aujourd\u2019hui au c\u0153ur des pr\u00e9occupations des Fran\u00e7ais. Salari\u00e9s, fonctionnaires, ind\u00e9pendants, auto-entrepreneurs ou chefs d\u2019entreprise cherchent tous \u00e0 anticiper leur <strong data-start=\"1048\" data-end=\"1079\">niveau de vie \u00e0 la retraite<\/strong>.<\/p>\n<p data-start=\"1082\" data-end=\"1365\">L\u2019\u00e9poque o\u00f9 le syst\u00e8me public suffisait \u00e0 garantir une retraite confortable est r\u00e9volue. Inflation persistante, r\u00e9formes successives, incertitudes \u00e9conomiques : la retraite est devenue un <strong data-start=\"1270\" data-end=\"1324\">enjeu financier, personnel et psychologique majeur<\/strong>, qui ne peut plus \u00eatre laiss\u00e9 au hasard.<\/p>\n<h2 data-start=\"1372\" data-end=\"1436\">Un syst\u00e8me de retraite fran\u00e7ais devenu difficile \u00e0 comprendre<\/h2>\n<p data-start=\"1438\" data-end=\"1769\">Si les recherches li\u00e9es \u00e0 la retraite explosent sur Internet, c\u2019est aussi parce que le <strong data-start=\"1525\" data-end=\"1589\">syst\u00e8me de retraite fran\u00e7ais est devenu extr\u00eamement complexe<\/strong>.<br data-start=\"1590\" data-end=\"1593\" \/>R\u00e9gime de base, retraites compl\u00e9mentaires, trimestres, points, \u00e2ge l\u00e9gal, d\u00e9cote, surcote, carri\u00e8res longues\u2026 Peu de Fran\u00e7ais sont capables d\u2019en ma\u00eetriser seuls les m\u00e9canismes.<\/p>\n<p data-start=\"1771\" data-end=\"1868\">Pourtant, <strong data-start=\"1781\" data-end=\"1867\">trois param\u00e8tres cl\u00e9s d\u00e9terminent l\u2019essentiel du montant de la pension de retraite<\/strong>.<\/p>\n<h2 data-start=\"1875\" data-end=\"1934\">1. Le salaire moyen : le calcul des 25 meilleures ann\u00e9es<\/h2>\n<p data-start=\"1936\" data-end=\"2085\">Pour les salari\u00e9s du priv\u00e9, la retraite de base repose sur la moyenne des <strong data-start=\"2010\" data-end=\"2045\">25 meilleures ann\u00e9es de revenus<\/strong>, revaloris\u00e9es selon un indice officiel.<\/p>\n<p data-start=\"2087\" data-end=\"2164\">Ce mode de calcul favorise les carri\u00e8res lin\u00e9aires, mais p\u00e9nalise fortement :<\/p>\n<ul data-start=\"2165\" data-end=\"2276\">\n<li data-start=\"2165\" data-end=\"2191\">\n<p data-start=\"2167\" data-end=\"2191\">les p\u00e9riodes de ch\u00f4mage,<\/p>\n<\/li>\n<li data-start=\"2192\" data-end=\"2213\">\n<p data-start=\"2194\" data-end=\"2213\">les arr\u00eats maladie,<\/p>\n<\/li>\n<li data-start=\"2214\" data-end=\"2251\">\n<p data-start=\"2216\" data-end=\"2251\">les reconversions professionnelles,<\/p>\n<\/li>\n<li data-start=\"2252\" data-end=\"2276\">\n<p data-start=\"2254\" data-end=\"2276\">les carri\u00e8res hach\u00e9es.<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"2278\" data-end=\"2385\">De nombreux assur\u00e9s d\u00e9couvrent trop tard que leur <strong data-start=\"2328\" data-end=\"2384\">pension de retraite sera inf\u00e9rieure \u00e0 leurs attentes<\/strong>.<\/p>\n<h2 data-start=\"2392\" data-end=\"2441\">2. Le taux de liquidation : un maximum de 50 %<\/h2>\n<p data-start=\"2443\" data-end=\"2533\">Le taux plein de retraite est plafonn\u00e9 \u00e0 <strong data-start=\"2484\" data-end=\"2492\">50 %<\/strong> pour le r\u00e9gime de base, \u00e0 condition de :<\/p>\n<ul data-start=\"2534\" data-end=\"2619\">\n<li data-start=\"2534\" data-end=\"2577\">\n<p data-start=\"2536\" data-end=\"2577\">respecter l\u2019\u00e2ge l\u00e9gal de d\u00e9part (64 ans),<\/p>\n<\/li>\n<li data-start=\"2578\" data-end=\"2619\">\n<p data-start=\"2580\" data-end=\"2619\">valider le nombre de trimestres requis.<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"2621\" data-end=\"2810\">Le moindre trimestre manquant entra\u00eene une <strong data-start=\"2664\" data-end=\"2685\">d\u00e9cote d\u00e9finitive<\/strong>. \u00c0 l\u2019inverse, continuer \u00e0 travailler apr\u00e8s l\u2019\u00e2ge du taux plein permet de b\u00e9n\u00e9ficier d\u2019une <strong data-start=\"2776\" data-end=\"2787\">surcote<\/strong>, souvent sous-estim\u00e9e.<\/p>\n<h2 data-start=\"2817\" data-end=\"2865\">3. Les trimestres valid\u00e9s : un point critique<\/h2>\n<p data-start=\"2867\" data-end=\"2918\">Les erreurs de relev\u00e9 de carri\u00e8re sont fr\u00e9quentes :<\/p>\n<ul data-start=\"2919\" data-end=\"3052\">\n<li data-start=\"2919\" data-end=\"2952\">\n<p data-start=\"2921\" data-end=\"2952\">apprentissage non comptabilis\u00e9,<\/p>\n<\/li>\n<li data-start=\"2953\" data-end=\"2977\">\n<p data-start=\"2955\" data-end=\"2977\">cong\u00e9 parental oubli\u00e9,<\/p>\n<\/li>\n<li data-start=\"2978\" data-end=\"3016\">\n<p data-start=\"2980\" data-end=\"3016\">p\u00e9riodes \u00e0 l\u2019\u00e9tranger mal report\u00e9es,<\/p>\n<\/li>\n<li data-start=\"3017\" data-end=\"3052\">\n<p data-start=\"3019\" data-end=\"3052\">ch\u00f4mage ou alternance incomplets.<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"3054\" data-end=\"3256\">Ces anomalies peuvent entra\u00eener une <strong data-start=\"3090\" data-end=\"3116\">perte de pension \u00e0 vie<\/strong>, parfois de plusieurs centaines d\u2019euros par an. Heureusement, elles sont souvent corrigibles\u2026 \u00e0 condition de les d\u00e9tecter suffisamment t\u00f4t.<\/p>\n<h2 data-start=\"3263\" data-end=\"3314\"><a href=\"https:\/\/www.info-retraite.fr\/portail-info\/home.html\" target=\"_blank\" rel=\"noopener\">Info-Retraite.fr<\/a> : un outil utile mais incomplet<\/h2>\n<p data-start=\"3316\" data-end=\"3377\">Le portail officiel <a href=\"https:\/\/www.info-retraite.fr\/portail-info\/home.html\" target=\"_blank\" rel=\"noopener\"><strong data-start=\"3336\" data-end=\"3356\">Info-Retraite.fr<\/strong><\/a> permet d\u2019acc\u00e9der \u00e0 :<\/p>\n<ul data-start=\"3378\" data-end=\"3533\">\n<li data-start=\"3378\" data-end=\"3403\">\n<p data-start=\"3380\" data-end=\"3403\">son relev\u00e9 de carri\u00e8re,<\/p>\n<\/li>\n<li data-start=\"3404\" data-end=\"3429\">\n<p data-start=\"3406\" data-end=\"3429\">ses trimestres valid\u00e9s,<\/p>\n<\/li>\n<li data-start=\"3430\" data-end=\"3470\">\n<p data-start=\"3432\" data-end=\"3470\">ses points de retraite compl\u00e9mentaire,<\/p>\n<\/li>\n<li data-start=\"3471\" data-end=\"3502\">\n<p data-start=\"3473\" data-end=\"3502\">une estimation de sa pension,<\/p>\n<\/li>\n<li data-start=\"3503\" data-end=\"3533\">\n<p data-start=\"3505\" data-end=\"3533\">son \u00e2ge de d\u00e9part th\u00e9orique.<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"3535\" data-end=\"3638\">Cet outil constitue une <strong data-start=\"3559\" data-end=\"3588\">base d\u2019information fiable<\/strong>, mais reste limit\u00e9.<br data-start=\"3608\" data-end=\"3611\" \/>Il ne prend pas en compte :<\/p>\n<ul data-start=\"3639\" data-end=\"3763\">\n<li data-start=\"3639\" data-end=\"3672\">\n<p data-start=\"3641\" data-end=\"3672\">les investissements personnels,<\/p>\n<\/li>\n<li data-start=\"3673\" data-end=\"3695\">\n<p data-start=\"3675\" data-end=\"3695\">la fiscalit\u00e9 future,<\/p>\n<\/li>\n<li data-start=\"3696\" data-end=\"3726\">\n<p data-start=\"3698\" data-end=\"3726\">les revenus compl\u00e9mentaires,<\/p>\n<\/li>\n<li data-start=\"3727\" data-end=\"3763\">\n<p data-start=\"3729\" data-end=\"3763\">la strat\u00e9gie patrimoniale globale.<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"3765\" data-end=\"3838\">\ud83d\udc49 Il fournit une photographie, <strong data-start=\"3797\" data-end=\"3837\">pas un v\u00e9ritable diagnostic retraite<\/strong>.<\/p>\n<h2 data-start=\"3845\" data-end=\"3902\">Une baisse de revenus quasi syst\u00e9matique \u00e0 la retraite<\/h2>\n<p data-start=\"3904\" data-end=\"4086\">Pour la majorit\u00e9 des Fran\u00e7ais, le passage \u00e0 la retraite entra\u00eene une <strong data-start=\"3973\" data-end=\"4007\">baisse de revenus de 30 \u00e0 50 %<\/strong>. Les ind\u00e9pendants, auto-entrepreneurs et hauts revenus sont les plus impact\u00e9s.<\/p>\n<h3 data-start=\"4088\" data-end=\"4142\">Estimations courantes pour une carri\u00e8re compl\u00e8te :<\/h3>\n<div class=\"TyagGW_tableContainer\">\n<div class=\"group TyagGW_tableWrapper flex w-fit flex-col-reverse\" tabindex=\"-1\">\n<table class=\"w-fit min-w-(--thread-content-width)\" data-start=\"4144\" data-end=\"4387\">\n<thead data-start=\"4144\" data-end=\"4191\">\n<tr data-start=\"4144\" data-end=\"4191\">\n<th data-start=\"4144\" data-end=\"4166\" data-col-size=\"sm\">Salaire net mensuel<\/th>\n<th data-start=\"4166\" data-end=\"4191\" data-col-size=\"sm\">Pension nette estim\u00e9e<\/th>\n<\/tr>\n<\/thead>\n<tbody data-start=\"4238\" data-end=\"4387\">\n<tr data-start=\"4238\" data-end=\"4267\">\n<td data-start=\"4238\" data-end=\"4248\" data-col-size=\"sm\">1 800 \u20ac<\/td>\n<td data-col-size=\"sm\" data-start=\"4248\" data-end=\"4267\">1 150 \u2013 1 250 \u20ac<\/td>\n<\/tr>\n<tr data-start=\"4268\" data-end=\"4297\">\n<td data-start=\"4268\" data-end=\"4278\" data-col-size=\"sm\">2 500 \u20ac<\/td>\n<td data-col-size=\"sm\" data-start=\"4278\" data-end=\"4297\">1 450 \u2013 1 650 \u20ac<\/td>\n<\/tr>\n<tr data-start=\"4298\" data-end=\"4327\">\n<td data-start=\"4298\" data-end=\"4308\" data-col-size=\"sm\">3 000 \u20ac<\/td>\n<td data-col-size=\"sm\" data-start=\"4308\" data-end=\"4327\">1 750 \u2013 1 950 \u20ac<\/td>\n<\/tr>\n<tr data-start=\"4328\" data-end=\"4357\">\n<td data-start=\"4328\" data-end=\"4338\" data-col-size=\"sm\">4 000 \u20ac<\/td>\n<td data-col-size=\"sm\" data-start=\"4338\" data-end=\"4357\">2 200 \u2013 2 450 \u20ac<\/td>\n<\/tr>\n<tr data-start=\"4358\" data-end=\"4387\">\n<td data-start=\"4358\" data-end=\"4368\" data-col-size=\"sm\">5 000 \u20ac<\/td>\n<td data-col-size=\"sm\" data-start=\"4368\" data-end=\"4387\">2 650 \u2013 3 000 \u20ac<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<p data-start=\"4389\" data-end=\"4495\">Ces \u00e9carts rendent indispensable la mise en place de <strong data-start=\"4442\" data-end=\"4494\">solutions compl\u00e9mentaires \u00e0 la retraite publique<\/strong>.<\/p>\n<h2 data-start=\"4502\" data-end=\"4564\">Retraite des salari\u00e9s : encadr\u00e9e, mais souvent insuffisante<\/h2>\n<p data-start=\"4566\" data-end=\"4729\">Le syst\u00e8me salari\u00e9 offre une certaine stabilit\u00e9. Pourtant, m\u00eame avec une carri\u00e8re compl\u00e8te, la pension repr\u00e9sente rarement plus de <strong data-start=\"4697\" data-end=\"4728\">60 \u00e0 75 % du dernier revenu<\/strong>.<\/p>\n<p data-start=\"4731\" data-end=\"4885\">Les carri\u00e8res ascendantes sont particuli\u00e8rement p\u00e9nalis\u00e9es : les derni\u00e8res ann\u00e9es, souvent les mieux r\u00e9mun\u00e9r\u00e9es, sont peu prises en compte dans le calcul.<\/p>\n<p data-start=\"4887\" data-end=\"4971\">\ud83d\udc49 Un <strong data-start=\"4893\" data-end=\"4919\">compl\u00e9ment de retraite<\/strong> devient donc indispensable, m\u00eame pour les salari\u00e9s.<\/p>\n<h2 data-start=\"4978\" data-end=\"5057\">Retraite des ind\u00e9pendants et chefs d\u2019entreprise : une fragilit\u00e9 structurelle<\/h2>\n<p data-start=\"5059\" data-end=\"5136\">Chez les ind\u00e9pendants et auto-entrepreneurs, la retraite d\u00e9pend directement :<\/p>\n<ul data-start=\"5137\" data-end=\"5193\">\n<li data-start=\"5137\" data-end=\"5157\">\n<p data-start=\"5139\" data-end=\"5157\">du revenu d\u00e9clar\u00e9,<\/p>\n<\/li>\n<li data-start=\"5158\" data-end=\"5193\">\n<p data-start=\"5160\" data-end=\"5193\">ou du chiffre d\u2019affaires r\u00e9alis\u00e9.<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"5195\" data-end=\"5353\">Dans le r\u00e9gime micro-entrepreneur, des seuils pr\u00e9cis doivent \u00eatre atteints pour valider des trimestres. Une ann\u00e9e faible peut signifier <strong data-start=\"5331\" data-end=\"5352\">z\u00e9ro droit acquis<\/strong>.<\/p>\n<p data-start=\"5355\" data-end=\"5456\">Beaucoup de dirigeants optimisent leur fiscalit\u00e9 \u00e0 court terme\u2026 au d\u00e9triment de leur retraite future.<\/p>\n<h2 data-start=\"5463\" data-end=\"5510\">Comment am\u00e9liorer concr\u00e8tement sa retraite ?<\/h2>\n<p data-start=\"5512\" data-end=\"5550\">Plusieurs leviers efficaces existent :<\/p>\n<p data-start=\"5553\" data-end=\"5601\">\u2714\ufe0f V\u00e9rifier et corriger son relev\u00e9 de carri\u00e8re<\/p>\n<p data-start=\"5604\" data-end=\"5655\">\u2714\ufe0f Travailler quelques trimestres suppl\u00e9mentaires<\/p>\n<p data-start=\"5658\" data-end=\"5715\">\u2714\ufe0f Mettre en place un<a href=\"https:\/\/gcn-patrimoine.fr\/solutions-financieres\"> <strong data-start=\"5680\" data-end=\"5713\">Plan d\u2019\u00c9pargne Retraite (PER)<\/strong><\/a><\/p>\n<p data-start=\"5718\" data-end=\"5828\">\u2714\ufe0f Construire des <strong data-start=\"5736\" data-end=\"5763\">revenus compl\u00e9mentaires<\/strong> (<a href=\"https:\/\/gcn-patrimoine.fr\/solutions-immobilieres\">immobilier locatif<\/a>, <a href=\"https:\/\/gcn-patrimoine.fr\/solutions-financieres\">assurance-vie, SCPI<\/a>, <a href=\"https:\/\/gcn-patrimoine.fr\/solutions-financieres\">placements financiers<\/a>)<\/p>\n<p data-start=\"5830\" data-end=\"5939\">Ces solutions permettent de <strong data-start=\"5858\" data-end=\"5889\">s\u00e9curiser son niveau de vie<\/strong>, ind\u00e9pendamment des \u00e9volutions du syst\u00e8me public.<\/p>\n<h2 data-start=\"5946\" data-end=\"6005\">Pourquoi un accompagnement retraite est devenu essentiel<\/h2>\n<p data-start=\"6007\" data-end=\"6045\">Un accompagnement patrimonial permet :<\/p>\n<ul data-start=\"6046\" data-end=\"6208\">\n<li data-start=\"6046\" data-end=\"6088\">\n<p data-start=\"6048\" data-end=\"6088\">d\u2019estimer pr\u00e9cis\u00e9ment sa pension future,<\/p>\n<\/li>\n<li data-start=\"6089\" data-end=\"6123\">\n<p data-start=\"6091\" data-end=\"6123\">de mesurer la baisse de revenus,<\/p>\n<\/li>\n<li data-start=\"6124\" data-end=\"6169\">\n<p data-start=\"6126\" data-end=\"6169\">d\u2019identifier le besoin mensuel \u00e0 compenser,<\/p>\n<\/li>\n<li data-start=\"6170\" data-end=\"6208\">\n<p data-start=\"6172\" data-end=\"6208\">de construire une strat\u00e9gie adapt\u00e9e.<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"6210\" data-end=\"6279\">\ud83d\udc49 L\u2019objectif : <strong data-start=\"6226\" data-end=\"6278\">transformer l\u2019incertitude en plan d\u2019action clair<\/strong>.<\/p>\n<h2 data-start=\"6286\" data-end=\"6353\">Conclusion : anticiper sa retraite, c\u2019est prot\u00e9ger son avenir<\/h2>\n<p data-start=\"6355\" data-end=\"6512\">La question \u00ab Combien vais-je toucher \u00e0 la retraite ? \u00bb est devenue centrale.<br data-start=\"6432\" data-end=\"6435\" \/>Aucune pension publique ne garantit aujourd\u2019hui le maintien du niveau de vie.<\/p>\n<p data-start=\"6514\" data-end=\"6651\">Anticiper, structurer son \u00e9pargne et activer des revenus compl\u00e9mentaires ne sont plus des options, mais des <strong data-start=\"6622\" data-end=\"6650\">n\u00e9cessit\u00e9s patrimoniales<\/strong>.<\/p>\n<h3 data-start=\"6658\" data-end=\"6700\">\ud83c\udfaf Envie de s\u00e9curiser votre retraite ?<\/h3>\n<p data-start=\"6701\" data-end=\"6859\">Je vous accompagne dans la construction d\u2019un <a href=\"https:\/\/gcn-patrimoine.fr\/#approche\"><strong data-start=\"6746\" data-end=\"6794\">plan retraite clair, personnalis\u00e9 et durable<\/strong><\/a>, afin que votre retraite reste \u00e0 la hauteur de votre vie active.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00ab Combien vais-je toucher \u00e0 la retraite ? \u00bb La retraite, une pr\u00e9occupation devenue centrale pour les Fran\u00e7ais Cette question, en apparence simple, est aujourd\u2019hui au c\u0153ur des pr\u00e9occupations des Fran\u00e7ais. Salari\u00e9s, fonctionnaires, ind\u00e9pendants, auto-entrepreneurs ou chefs d\u2019entreprise cherchent tous \u00e0 anticiper leur niveau de vie \u00e0 la retraite. L\u2019\u00e9poque o\u00f9 le syst\u00e8me public suffisait [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":47,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[5],"tags":[],"class_list":["post-46","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-retraite"],"_links":{"self":[{"href":"https:\/\/gcn-patrimoine.fr\/actu\/wp-json\/wp\/v2\/posts\/46","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/gcn-patrimoine.fr\/actu\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/gcn-patrimoine.fr\/actu\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/gcn-patrimoine.fr\/actu\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/gcn-patrimoine.fr\/actu\/wp-json\/wp\/v2\/comments?post=46"}],"version-history":[{"count":3,"href":"https:\/\/gcn-patrimoine.fr\/actu\/wp-json\/wp\/v2\/posts\/46\/revisions"}],"predecessor-version":[{"id":50,"href":"https:\/\/gcn-patrimoine.fr\/actu\/wp-json\/wp\/v2\/posts\/46\/revisions\/50"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/gcn-patrimoine.fr\/actu\/wp-json\/wp\/v2\/media\/47"}],"wp:attachment":[{"href":"https:\/\/gcn-patrimoine.fr\/actu\/wp-json\/wp\/v2\/media?parent=46"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/gcn-patrimoine.fr\/actu\/wp-json\/wp\/v2\/categories?post=46"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/gcn-patrimoine.fr\/actu\/wp-json\/wp\/v2\/tags?post=46"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}