{"id":14702,"date":"2016-09-26T00:30:24","date_gmt":"2016-09-25T22:30:24","guid":{"rendered":"https:\/\/valoxy.org\/blog\/?p=14702"},"modified":"2024-09-26T16:59:25","modified_gmt":"2024-09-26T14:59:25","slug":"la-retraite-complementaire","status":"publish","type":"post","link":"https:\/\/valoxy.org\/blog\/la-retraite-complementaire\/","title":{"rendered":"La retraite compl\u00e9mentaire : tour d&rsquo;horizon !"},"content":{"rendered":"<p style=\"text-align: justify;\">Le calcul de la retraite de base pour les dirigeants d\u2019entreprise (et pour les assimil\u00e9s salari\u00e9s, car la formule de calcul est identique) est relativement faible. Il\u00a0 repr\u00e9sente, au mieux, 50% du revenu annuel moyen des 25 meilleures ann\u00e9es. Valoxy, cabinet d&rsquo;expertise comptable dans les Hauts de France, explique dans cet article le dispositif permettant de toucher une <strong>retraite compl\u00e9mentaire.<\/strong><\/p>\n<h2 style=\"text-align: justify;\">Les conditions d\u2019attribution de la retraite compl\u00e9mentaire<\/h2>\n<p style=\"text-align: justify;\">Pour les dirigeants d\u2019entreprises relevant du RSI, la retraite compl\u00e9mentaire peut \u00eatre vers\u00e9e si le g\u00e9rant a atteint l\u2019\u00e2ge l\u00e9gal du d\u00e9part \u00e0 la retraite. (62 ans pour les assur\u00e9s n\u00e9s \u00e0 partir de 1955).<\/p>\n<p><img decoding=\"async\" class=\"wp-image-7804 alignleft\" src=\"https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2014\/05\/economies-internet-300x240.jpg\" alt=\"Date de versement de la retraite\" width=\"138\" height=\"110\" \/><\/p>\n<p style=\"text-align: justify;\">Pour les salari\u00e9s et les assimil\u00e9s salari\u00e9s, la retraite compl\u00e9mentaire peut \u00eatre vers\u00e9e<\/p>\n<ul>\n<li style=\"text-align: justify;\">lorsque l\u2019assur\u00e9 a atteint l\u2019\u00e2ge l\u00e9gal pour partir en retraite<\/li>\n<li style=\"text-align: justify;\">et lorsque l\u2019assur\u00e9 a cess\u00e9 toute activit\u00e9 relevant du r\u00e9gime g\u00e9n\u00e9ral de la S\u00e9curit\u00e9 sociale, de r\u00e9gimes compl\u00e9mentaires (Agirc, Arrco) ou de certains r\u00e9gimes sp\u00e9ciaux.<\/li>\n<\/ul>\n<h2 style=\"text-align: justify;\">Le montant de la retraite compl\u00e9mentaire<\/h2>\n<p style=\"text-align: justify;\">Si le RSI verse la retraite compl\u00e9mentaire, on la calcule \u00e0 partir d\u2019un syst\u00e8me de points. Nombre total de point acquis X valeur du point \u00e0 la date de liquidation.<\/p>\n<p style=\"text-align: justify;\"><div class=\"encadre-style\">Le nombre de points s\u2019obtient par la formule suivante : <strong>cotisation annuelle \/ revenu annuel de r\u00e9f\u00e9rence.<\/div><\/strong><\/p>\n<p style=\"text-align: justify;\">La cotisation annuelle correspond \u00e0 la cotisation <strong>de 7% (8% pour les revenus sup\u00e9rieurs \u00e0 38\u00a0616 \u20ac)<\/strong> pay\u00e9e chaque ann\u00e9e par le dirigeant.<\/p>\n<h4 style=\"text-align: justify;\">Revenu annuel de r\u00e9f\u00e9rence<\/h4>\n<p style=\"text-align: justify;\">Le revenu annuel de r\u00e9f\u00e9rence d\u00e9signe la valeur d\u2019achat du point (ou prix d\u2019un point de retraite). Il sert \u00e0 calculer le nombre de points que l\u2019on acquiert chaque ann\u00e9e gr\u00e2ce \u00e0 ses cotisations \u00e0 un r\u00e9gime de retraite compl\u00e9mentaire. (Arrco ou Agirc). Cette valeur, fix\u00e9e chaque ann\u00e9e, <strong>est actuellement de 17,309 \u20ac. (09\/2016)<\/strong><\/p>\n<h4 style=\"text-align: justify;\">Valeur du point<\/h4>\n<p style=\"text-align: justify;\">Un d\u00e9cret fixe chaque ann\u00e9e la valeur des points \u00e0 la date de liquidation.\u00a0 (actuellement elle est de 1.178 \u20ac.) En multipliant ce montant par le nombre de points, on obtient <strong>la retraite compl\u00e9mentaire pour un an.<\/strong><\/p>\n<h4>Organismes compl\u00e9mentaires<\/h4>\n<p style=\"text-align: justify;\"><img decoding=\"async\" class=\" wp-image-11774 alignleft\" src=\"https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2015\/10\/pourcentage-gimp-70-1-246x300.jpg\" alt=\"Majoration du taux\" width=\"111\" height=\"135\" srcset=\"https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2015\/10\/pourcentage-gimp-70-1-246x300.jpg 246w, https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2015\/10\/pourcentage-gimp-70-1.jpg 294w\" sizes=\"(max-width: 111px) 100vw, 111px\" \/>Pour les salari\u00e9s et les assimil\u00e9s salari\u00e9s, le calcul de la retraite compl\u00e9mentaire passe par deux organismes. Il s&rsquo;agit de l\u2019AGIRC (Association G\u00e9n\u00e9rales des Institutions de Retraite des Cadres) et de l\u2019ARRCO (Association pour le R\u00e9gime de Retraite Compl\u00e9mentaire des Salari\u00e9s). Le m\u00e9canisme de calcul est identique \u00e0 celui du RSI. Et la retraite compl\u00e9mentaire annuelle \u00e9gale le<strong>\u00a0nombre total de points acquis X la valeur de service du point \u00e0 la date de liquidation.<\/strong><\/p>\n<p style=\"text-align: justify;\">Le nombre de points acquis par an \u00e9gale la cotisation annuelle pay\u00e9e \u00e0 l\u2019organisme \/ le salaire annuel de r\u00e9f\u00e9rence.<\/p>\n<p style=\"text-align: justify;\">En 2016, le salaire annuel de r\u00e9f\u00e9rence est de <strong>15.6556 \u20ac pour l\u2019ARRCO<\/strong> et de <strong>5.4455 \u20ac pour l\u2019AGIRC.<\/strong><\/p>\n<p style=\"text-align: justify;\">La valeur de service du point en 2016 est de <strong>0.4352 \u20ac pour l\u2019AGIRC<\/strong> et de <strong>1.2513 \u20ac pour l\u2019ARRCO.<\/strong><\/p>\n<h2 style=\"text-align: justify;\">Une retraite compl\u00e9mentaire \u00e0 taux plein ou minor\u00e9<\/h2>\n<p style=\"text-align: justify;\"><img decoding=\"async\" class=\"wp-image-10421 alignright\" src=\"https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2015\/04\/logo_rsi_quadri-300x129.jpg\" alt=\"La retraite compl\u00e9mentaire\" width=\"174\" height=\"75\" \/>Pour jouir d\u2019une retraite compl\u00e9mentaire \u00e0 taux plein au RSI, il faut avoir obtenu la retraite de base \u00e0 taux plein (et donc soit avoir le nombre de trimestres et \u00eatre \u00e2g\u00e9 de moins de 62 ans, soit \u00eatre \u00e2g\u00e9 de 67 ans et plus).<\/p>\n<p style=\"text-align: justify;\">De plus, elle peut \u00eatre minor\u00e9e si la retraite de base l\u2019est. (par exemple en cas de trimestres manquants m\u00eame si l\u2019\u00e2ge de d\u00e9part en retraite au taux plein est atteint).<\/p>\n<p style=\"text-align: justify;\">Pour que les salari\u00e9s et les assimil\u00e9s salari\u00e9s b\u00e9n\u00e9ficient d&rsquo;une retraite compl\u00e9mentaire \u00e0 taux plein, ils doivent disposer<strong> d\u2019une retraite de base \u00e0 taux plein.<\/strong> (ou \u00eatre reconnus inaptes au travail).<\/p>\n<p style=\"text-align: justify;\"><div class=\"encadre-style\">Des majorations sont envisageables si l\u2019assur\u00e9 doit supporter des charges de famille.<\/div><\/p>\n<p style=\"text-align: justify;\">La retraite compl\u00e9mentaire peut \u00eatre minor\u00e9e, s\u2019il manque \u00e0 l\u2019assur\u00e9 des trimestres pour atteindre la dur\u00e9e de r\u00e9f\u00e9rence requise.<\/p>\n<h2 style=\"text-align: justify;\">Conclusion<\/h2>\n<p style=\"text-align: justify;\">Le calcul du montant de la retraite pour les dirigeants d\u2019entreprises (et pour les salari\u00e9s) est complexe. C\u2019est pourquoi il doit s&rsquo;anticiper afin d\u2019\u00e9viter des d\u00e9convenues, notamment en mati\u00e8re de perte de pouvoir d\u2019achat. Et les g\u00e9rants d\u2019entreprises doivent \u00eatre particuli\u00e8rement vigilants.<\/p>\n<p>Retrouvez nos articles sur la retraite sur le blog de Valoxy :<\/p>\n<ul>\n<li><a class=\"mkd-pt-link\" href=\"https:\/\/valoxy.org\/blog\/calcul-retraite-dirigeant-tns\/\" target=\"_self\" rel=\"noopener noreferrer\">Dirigeant TNS: le calcul de votre retraite<\/a><\/li>\n<li><a class=\"mkd-pt-link\" href=\"https:\/\/valoxy.org\/blog\/le-systeme-francais-de-retraite\/\" target=\"_self\" rel=\"noopener noreferrer\">Le syst\u00e8me fran\u00e7ais de retraite<\/a><\/li>\n<li><a class=\"mkd-pt-link\" href=\"https:\/\/valoxy.org\/blog\/le-rachat-de-trimestres-de-retraite\/\" target=\"_self\" rel=\"noopener noreferrer\">Le rachat de trimestres de retraite<\/a><\/li>\n<li><a class=\"mkd-pt-link\" href=\"https:\/\/valoxy.org\/blog\/la-cotisation-volontaire-de-retraite\/\" target=\"_self\" rel=\"noopener\">La cotisation volontaire de retraite<\/a><\/li>\n<li><a class=\"mkd-pt-link\" href=\"https:\/\/valoxy.org\/blog\/retraite-complementaire-entreprise\/\" target=\"_self\" rel=\"noopener noreferrer\">La retraite suppl\u00e9mentaire d\u2019entreprise<\/a><\/li>\n<li><a class=\"mkd-pt-link\" href=\"https:\/\/valoxy.org\/blog\/la-retraite-progressive\/\" target=\"_self\" rel=\"noopener\">La retraite progressive<\/a><\/li>\n<li><a class=\"mkd-pt-link\" href=\"https:\/\/valoxy.org\/blog\/la-pension-de-reversion\/\" target=\"_self\" rel=\"noopener\">La pension de r\u00e9version<\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Le calcul de la retraite de base pour les dirigeants d\u2019entreprise (et pour les assimil\u00e9s salari\u00e9s, car la formule de calcul est identique) est relativement faible. Il\u00a0 repr\u00e9sente, au mieux, 50% du revenu annuel moyen des 25 meilleures ann\u00e9es. Valoxy,&#8230;<\/p>\n","protected":false},"author":1,"featured_media":13371,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-14702","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-social-rh"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>La retraite compl\u00e9mentaire: tour d&#039;horizon ! | Valoxy<\/title>\n<meta name=\"description\" content=\"Qu&#039;apporte la retraite compl\u00e9mentaire par rapport \u00e0 la retraite de base. Comment se calcule-t-elle ? 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