{"id":70355,"date":"2024-10-11T09:42:46","date_gmt":"2024-10-11T07:42:46","guid":{"rendered":"https:\/\/valoxy.org\/blog\/?p=70355"},"modified":"2026-05-22T14:46:51","modified_gmt":"2026-05-22T12:46:51","slug":"preparer-son-depart-a-la-retraite","status":"publish","type":"post","link":"https:\/\/valoxy.org\/blog\/preparer-son-depart-a-la-retraite\/","title":{"rendered":"Pr\u00e9parer son d\u00e9part \u00e0 la retraite"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">La r\u00e9forme des retraites est entr\u00e9e en vigueur \u00e0 l\u2019automne 2023. Elle porte progressivement l\u2019\u00e2ge \u201cl\u00e9gal\u201d de d\u00e9part de 62 \u00e0 64 ans. Mais cela ne change rien \u00e0 la n\u00e9cessit\u00e9 de bien anticiper, penser et pr\u00e9parer son d\u00e9part \u00e0 la retraite, selon chaque situation.<em><\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Valoxy, cabinet d\u2019expertise comptable dans les Hauts-de-France, revient dans cet article sur les diff\u00e9rentes hypoth\u00e8ses possibles, et les choix \u00e0 faire afin d\u2019adopter la bonne strat\u00e9gie.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#c0d234\" class=\"has-inline-color\">\u2014<\/mark><strong>Petit rappel<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Le montant de la retraite est fonction de plusieurs facteurs, dont les principaux sont :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>l\u2019\u00e2ge l\u00e9gal, pass\u00e9 de 62 \u00e0 64 ans dans la r\u00e9forme, pour les personnes n\u00e9es \u00e0 partir de 1968,<\/li>\n\n\n\n<li>le nombre de trimestres cotis\u00e9s (172 trimestres minimum pour les personnes n\u00e9es \u00e0 partir de 1968).<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">En dessous de ces seuils, des d\u00e9cotes sur le montant de la pension seront op\u00e9r\u00e9s. Voir notre article <a href=\"https:\/\/valoxy.org\/blog\/le-projet-de-reforme-des-retraites-de-2023\/\">Le projet de r\u00e9forme des retraites 2023<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cependant, il est tout \u00e0 fait possible d\u2019anticiper son d\u00e9part \u00e0 la retraite. De m\u00eame que l\u2019on peut aussi, lorsqu\u2019on n\u2019a pas l\u2019\u00e2ge ou le nombre de trimestres n\u00e9cessaires, continuer \u00e0 travailler afin d\u2019obtenir les trimestres manquants, et de percevoir sa retraite \u00e0 taux plein.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Il peut s\u2019agir de quelques trimestres, ou bien d\u2019attendre 67 ans r\u00e9volus et l\u2019attribution automatique de la retraite \u00e0 taux plein. (Et ce, m\u00eame si les 172 trimestres n\u2019ont pas \u00e9t\u00e9 acquis durant la carri\u00e8re professionnelle).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ainsi, selon le choix et la situation de chacun, deux possibilit\u00e9s se pr\u00e9sentent pour bien pr\u00e9parer son d\u00e9part \u00e0 la retraite&nbsp;: r\u00e9duire la voilure ou prolonger sa p\u00e9riode travaill\u00e9e et se rapprocher du taux plein.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#c0d234\" class=\"has-inline-color\">\u2014<\/mark><strong>R\u00e9duire la voilure<\/strong><\/h2>\n\n\n\n<h4 class=\"wp-block-heading\"><strong><em>La retraite progressive<\/em><\/strong><strong><\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">La retraite progressive est un arr\u00eat d\u2019activit\u00e9 <strong>en douceur 2 ans avant l\u2019\u00e2ge l\u00e9gal, soit 62 ans, <\/strong>sous r\u00e9serve d\u2019avoir cotis\u00e9 un minimum de 150 trimestres. Ce dispositif permet :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>de travailler \u00e0 temps partiel,<\/li>\n\n\n\n<li>et de percevoir une partie de sa pension de retraite de base et compl\u00e9mentaire,<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">et ce, jusqu\u2019\u00e0 l\u2019\u00e2ge l\u00e9gal.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La personne continue \u00e0 cotiser pour sa retraite. L\u2019activit\u00e9 salari\u00e9e doit \u00eatre comprise entre 40% et 80% (entre entre 50% et 90%&nbsp; pour les fonctionnaires) et permet ainsi de \u00ab&nbsp;lever le pied&nbsp;\u00bb. Le compl\u00e9ment est assur\u00e9 par la perception de la pension de retraite.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">De cette mani\u00e8re, le salari\u00e9 peut continuer \u00e0 cotiser pour obtenir le nombre de trimestres requis.<em> <\/em>Voir notre article <a href=\"https:\/\/valoxy.org\/blog\/la-retraite-progressive\/\">La retraite progressive<\/a>.<em><\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La retraite progressive aura des cons\u00e9quences sur le montant final de la pension&nbsp;:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>L\u2019impact sur la retraite de base sera faible dans la mesure o\u00f9 l\u2019on tient compte des 25 meilleures ann\u00e9es.<\/li>\n\n\n\n<li>L\u2019impact sera plus important pour la retraite compl\u00e9mentaire, puisque c\u2019est le nombre de points acquis qui importe.<\/li>\n\n\n\n<li>La pension vers\u00e9e est proportionnelle au temps partiel, et \u00e9gale \u00e0 : Rente enti\u00e8re * (100% &#8211; (quotit\u00e9 de travail \u00e0 temps partiel\/ dur\u00e9e l\u00e9gale applicable dans l\u2019entreprise).<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong><em>Cas particulier du dirigeant d<\/em><\/strong><strong><em>\u2019<\/em><\/strong><strong><em>entreprise<\/em><\/strong><strong><\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Le dirigeant d\u2019entreprise a la possibilit\u00e9 de moduler sa r\u00e9mun\u00e9ration. Dans l\u2019hypoth\u00e8se o\u00f9 il souhaiterait arr\u00eater de travailler avant ses 64 ans, et dans l\u2019hypoth\u00e8se o\u00f9 sa soci\u00e9t\u00e9 dispose, soit de liquidit\u00e9s, soit d\u2019actifs procurant des revenus, il peut envisager de piloter sa r\u00e9mun\u00e9ration, et d\u00e9cider d\u2019une r\u00e9mun\u00e9ration <strong>proche de 10 000 <\/strong><strong>\u20ac<\/strong> par an). Ce montant correspond au minimum demand\u00e9 par la S\u00e9curit\u00e9 sociale, augment\u00e9 de la taxe PUMa.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour valider 4 trimestres, il faut en effet avoir per\u00e7u une r\u00e9mun\u00e9ration de 6 800 \u20ac sur l\u2019ann\u00e9e (en une fois ou sur les 12 mois), auxquels s\u2019ajoute <a href=\"https:\/\/valoxy.org\/blog\/la-taxe-puma-protection-universelle-maladie\/\">la taxe PUMa (Protection Universelle Maladie)<\/a>, qui s&rsquo;applique si les revenus d\u2019activit\u00e9 professionnelle, salari\u00e9s ou non, sont&nbsp;inf\u00e9rieurs \u00e0 20% du PASS (Plafond Annuel de la S\u00e9curit\u00e9 Sociale), soit 20% de 46 368 \u20ac en 2024, ce qui donne un seuil de 9 273,6 \u20ac net imposable.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Instaur\u00e9e pour&nbsp;financer la Protection Universelle Maladie (PUMa), et mise en place le 1er janvier 2016, ce r\u00e9gime remplace la Couverture Maladie Universelle (CMU) et assure \u00e0 toute personne r\u00e9sidant de mani\u00e8re stable et r\u00e9guli\u00e8re en France la&nbsp;prise en charge de ses frais de sant\u00e9, sans condition de revenu ou d&rsquo;activit\u00e9 professionnelle.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cette r\u00e9mun\u00e9ration lui permettra d\u2019obtenir le nombre de trimestres n\u00e9cessaires (172 trimestres, voire plus, afin d\u2019augmenter le montant de sa pension :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>L\u2019impact au niveau de sa pension de retraite de base serait faible dans la mesure o\u00f9 celle-ci tient compte des 25 meilleures ann\u00e9es.<\/li>\n\n\n\n<li>L\u2019impact serait effectif sur la retraite compl\u00e9mentaire, puisqu\u2019ici, c\u2019est le nombre de points acquis qui importe.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">L\u00e0 encore, des nuances peuvent \u00eatre apport\u00e9es dans la mesure o\u00f9 :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>l\u2019int\u00e9ress\u00e9 peut b\u00e9n\u00e9ficier d\u2019une majoration des retraites de base et compl\u00e9mentaire \u00e0 partir de 3 enfants \u00e9lev\u00e9s, ou encore de racheter des trimestres, etc.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#c0d234\" class=\"has-inline-color\">\u2014<\/mark><strong>Obtention du taux plein et au-del\u00e0 <\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Dans l\u2019hypoth\u00e8se o\u00f9 le montant estim\u00e9 de la retraite \u00e0 l\u2019\u00e2ge l\u00e9gal n\u2019est pas suffisant, il est possible de continuer \u00e0 travailler jusqu\u2019\u00e0 obtenir le taux plein, voire aller au del\u00e0, et augmenter significativement le montant de la pension :<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong><em>Travailler plus longtemps<\/em><\/strong><strong><\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Dans ce cas, et en fonction de sa situation personnelle, le salari\u00e9 peut :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>viser les 172 trimestres en continuant \u00e0 travailler quelques mois suppl\u00e9mentaires, et partir avant 67 ans,<\/li>\n\n\n\n<li>travailler jusque 67 ans. C\u2019est en effet l\u2019\u00e2ge du taux plein automatique, que l\u2019on ait ou non cotis\u00e9 aux fameux 172 trimestres. Ce peut \u00eatre une option en cas de carri\u00e8re \u00ab&nbsp;fragment\u00e9e&nbsp;\u00bb.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong><em>Racheter des trimestres<\/em><\/strong><strong><\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Cette autre option r\u00e9side dans la possibilit\u00e9 de pouvoir racheter des trimestres manquants au titre des ann\u00e9es d\u2019\u00e9tudes ou au titre d\u2019ann\u00e9es incompl\u00e8tes (r\u00e9mun\u00e9ration minimum non acquise pour valider un trimestre par exemple). Voir nos articles :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/valoxy.org\/blog\/le-rachat-de-trimestres-de-retraite\/\">Le rachat de trimestres de retraite<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/valoxy.org\/blog\/trimestres-de-retraite-comment-obtenir-une-majoration\/\">Trimestres de retraite, comment obtenir une majoration ?<\/a><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#c0d234\" class=\"has-inline-color\">\u2014<\/mark><strong>Cumuler emploi et retraite<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Il existe deux dispositifs pour bien pr\u00e9parer son d\u00e9part \u00e0 la retraite, selon que la personne dispose ou non de tous ses trimestres. Voir notre article <a href=\"https:\/\/valoxy.org\/blog\/cumul-emploi-retraite-2\/\">Le cumul emploi-retraite<\/a>.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Le dispositif plafonn\u00e9&nbsp;:<\/strong> <\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Quand la personne a l\u2019\u00e2ge l\u00e9gal mais pas tous ses trimestres.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pas le droit de travailler pour l\u2019ancien employeur, ni m\u00eame pour sa propre entreprise pendant une dur\u00e9e de 6 mois,\n<ul class=\"wp-block-list\">\n<li>Montant de retraite \u201cd\u00e9cot\u00e9\u201d, et plafonnement des revenus :<ul><li>Retraite de base&nbsp;: le revenu professionnel et le total des pensions (base et compl\u00e9mentaire) doit \u00eatre inf\u00e9rieur \u00e0 la moyenne des 3 derniers mois ou 160% du SMIC sur la base de 1 820 h\/an.<\/li><\/ul>\n<ul class=\"wp-block-list\">\n<li>Retraite compl\u00e9mentaire&nbsp;: les revenus issus de la reprise d\u2019activit\u00e9 additionn\u00e9s aux retraites compl\u00e9mentaire ne doivent pas d\u00e9passer le plus grand des \u00e9l\u00e9ments suivants&nbsp;:<ul><li>160 % du Smic<\/li><\/ul><ul><li>Dernier salaire \u201cnormal\u201d d\u2019activit\u00e9 (hors IFC, hors prime exceptionnelle)<\/li><\/ul><ul><li>Salaire moyen des 10 derni\u00e8res ann\u00e9es d\u2019activit\u00e9<\/li><\/ul>\n<ul class=\"wp-block-list\">\n<li><strong>\u2014&gt; Le d\u00e9passement entra\u00eene la suppression de la retraite compl\u00e9mentaire pendant un an.<\/strong><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Le dispositif lib\u00e9ralis\u00e9 : <\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Quand la personne a l\u2019\u00e2ge l\u00e9gal et ses 172 trimestres valid\u00e9s,<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Cela permet de cumuler 100% de sa retraite et l\u2019ensemble des revenus professionnels<\/li>\n\n\n\n<li>Le dirigeant d\u2019entreprise qui prend sa retraite peut garder sa fonction,<\/li>\n\n\n\n<li>Il n\u2019y a pas de d\u00e9lai de carence<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Des simulations chiffr\u00e9es sont bien entendu indispensables pour en v\u00e9rifier l\u2019impact au niveau des retraites de base et compl\u00e9mentaire. Les simulations mettront \u00e9galement en avant l\u2019opportunit\u00e9 d\u2019avoir recours \u00e0 cette derni\u00e8re hypoth\u00e8se. N\u2019h\u00e9sitez pas \u00e0 vous rapprocher de nos experts en gestion patrimoniale !<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bien pr\u00e9parer son d\u00e9part \u00e0 la retraite ? Cet article vous a int\u00e9ress\u00e9 ? Dites-le nous dans les commentaires ci-apr\u00e8s ! Retrouvez aussi nos autres articles sur le blog de Valoxy :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/valoxy.org\/blog\/la-cotisation-volontaire-de-retraite\/\"><\/a><a href=\"https:\/\/valoxy.org\/blog\/la-retraite-anticipee\/\"><a href=\"https:\/\/valoxy.org\/blog\/le-depart-a-la-retraite\/\">Le d\u00e9part \u00e0 la retraite<\/a><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/valoxy.org\/blog\/preparer-sa-demande-de-retraite\/\">Pr\u00e9parer sa demande de retraite<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/valoxy.org\/blog\/levolution-du-systeme-de-retraite\/\">L\u2019\u00e9volution du syst\u00e8me de retraite<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/valoxy.org\/blog\/le-systeme-francais-de-retraite\/\">Le syst\u00e8me fran\u00e7ais de retraite<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/valoxy.org\/blog\/cve-contrat-de-valorisation-de-lexperience\/\"><\/a><a href=\"https:\/\/valoxy.org\/blog\/la-retraite-progressive-evolue\/\">La retraite progressive \u00e9volue<\/a><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>La r\u00e9forme des retraites est entr\u00e9e en vigueur \u00e0 l\u2019automne 2023. Elle porte progressivement l\u2019\u00e2ge \u201cl\u00e9gal\u201d de d\u00e9part de 62 \u00e0 64 ans. Mais cela ne change rien \u00e0 la n\u00e9cessit\u00e9 de bien anticiper, penser et pr\u00e9parer son d\u00e9part \u00e0&#8230;<\/p>\n","protected":false},"author":1,"featured_media":70356,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-70355","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>Pr\u00e9parer son d\u00e9part \u00e0 la retraite | Blog Valoxy - Expertise comptable<\/title>\n<meta name=\"description\" content=\"La r\u00e9forme des retraites porte progressivement l\u2019\u00e2ge \u201cl\u00e9gal\u201d de d\u00e9part de 62 \u00e0 64 ans. 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