{"id":882,"date":"2016-10-06T16:40:35","date_gmt":"2016-10-06T14:40:35","guid":{"rendered":"http:\/\/aic-giovannetti.info\/?p=882"},"modified":"2018-03-09T16:55:03","modified_gmt":"2018-03-09T15:55:03","slug":"la-retraite-madelin","status":"publish","type":"post","link":"https:\/\/aic-giovannetti.info\/index.php\/2016\/10\/06\/la-retraite-madelin\/","title":{"rendered":"La retraite Madelin"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_column_text]L\u2019allongement de l\u2019esp\u00e9rance de vie est une bonne nouvelle pour chacun de nous\u2026<\/p>\n<p>Mais le vieillissement de la population entra\u00eene de fortes interrogations sur la retraite et son financement.<\/p>\n<p>Depuis plus de 20 ans, les diff\u00e9rentes r\u00e9formes se traduisent toujours par une baisse des retraites obligatoires.<\/p>\n<p>Nous vivons plus longtemps\u2026 mais avec moins d\u2019actifs pour financer nos retraites.<\/p>\n<p>Exemple\u00a0:<\/p>\n<p>Monsieur Paul<\/p>\n<ul>\n<li>Artisan boulanger<\/li>\n<li>40 ans.<\/li>\n<li>Revenu brut de fin de carri\u00e8re estim\u00e9 \u00e0 50 000 \u20ac par an, soit 4 167 \u20ac par mois.<\/li>\n<\/ul>\n<p>Retraite estim\u00e9e \u00e0 65 ans : 23 693 \u20ac par an, soit 1 974 \u20ac par mois.<\/p>\n<p><u>Soit une perte de revenus de &#8211; 53 %<\/u><\/p>\n<p><strong>Aujourd\u2019hui, nous conseillons la constitution d\u2019\u00e9pargne retraite compl\u00e9mentaire pendant la p\u00e9riode d\u2019activit\u00e9, pour en percevoir les fruits (sous forme de rente) au moment de la retraite tout en b\u00e9n\u00e9ficiant<\/strong><strong> <u>d\u2019\u00e9conomies d\u2019imp\u00f4ts avec la loi Madelin.<\/u><\/strong><\/p>\n<p>Pour les travailleurs ind\u00e9pendants, les cotisations sont d\u00e9ductibles du b\u00e9n\u00e9fice imposable, dans le respect des limites en vigueur (article 154 bis du Code g\u00e9n\u00e9ral des imp\u00f4ts).<\/p>\n<p><u>Exemple<\/u> : pour un versement de 300 \u20ac par mois, soit 3 600 \u20ac \u00e0 l\u2019ann\u00e9e, l\u2019\u00e9conomie d\u2019imp\u00f4t s\u2019\u00e9l\u00e8ve \u00e0 1 080 \u20ac (hypoth\u00e8se de TMI (tranche marginale d\u2019imposition) de 30 %).<\/p>\n<p>Pour que l\u2019effort d\u2019\u00e9pargne profite \u00e9galement au conjoint et aux proches, il existe plusieurs options de rente.<\/p>\n<p>Pour plus d\u2019informations sur le <strong>contrat retraite Madelin<\/strong>, contactez-nous, sans engagement (bilan gratuit).<\/p>\n<p>(source : generali)<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column][vc_column_text]L\u2019allongement de l\u2019esp\u00e9rance de vie est une bonne nouvelle pour chacun de nous\u2026 Mais le vieillissement de la population entra\u00eene de fortes interrogations sur la retraite et son financement. Depuis plus de 20 ans, les diff\u00e9rentes r\u00e9formes se traduisent toujours par une baisse des retraites obligatoires. Nous vivons plus longtemps\u2026 mais avec moins d\u2019actifs pour [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[],"class_list":["post-882","post","type-post","status-publish","format-standard","hentry","category-actualite"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>La retraite Madelin - Courtier g\u00e9n\u00e9raliste en assurances, sp\u00e9cialiste des boulangers et des m\u00e9tiers de bouche<\/title>\n<meta name=\"description\" content=\"Un contrat retraite Madelin est vivement conseill\u00e9 pour vivre une retraite en toute s\u00e9r\u00e9nit\u00e9. 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