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Préparer sa retraite : Des outils de prévoyance vous permettant de préparer sereinement votre retraite | Patrimum

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Préparer sa retraite : Des outils de prévoyance vous permettant de préparer sereinement votre retraite

Une dégradation de l’ensemble des régimes sociaux est constatée… :

  • Durée de cotisation de plus en plus longue 
  • Revenus de remplacement en baisse 
  • Prise en charge des frais médicaux en chute 

Mais un certain nombre de dispositifs permettent de préparer et de compléter sa retraite car « Ne pas prévoir, c’est déjà gémir » (Léonard de Vinci)

Les divers dispositifs présentent des avantages fiscaux non négligeables.
Un audit permettra de déterminer vos besoins et d’adapter nos préconisations à votre situation et vos désirs.

Le PERP : Ouvert à tous à titre privé, salariés ou non, le PERP repose sur une épargne qui se termine à l'âge légal du départ en retraite par le versement d'une rente viagère, ou à titre exceptionnel d'un capital. A titre facultatif, le PERP couvre des garanties supplémentaires (invalidité, décès) qui bénéficient au souscripteur lui-même ou aux tiers désignés

La loi Madelin : un volet retraite et un volet prévoyance.

Le contrat Madelin Retraite fonctionne sur le principe de la capitalisation.
Chaque travailleur non salarié (TNS), professionnel libéral, artisan, commerçant, adhérent, effectue des versements sur son contrat Madelin. Le principal avantage est que ces sommes versées viennent en déduction du bénéfice imposable de la société. Ces sommes versées capitalisent, c'est-à-dire que, le contrat Madelin étant un contrat d'assurance-vie, les versements sont investis dans les fonds proposés par le contrat.

Une fois arrivée l'heure de la retraite, le travailleur non salarié transforme le capital ainsi constitué sur son contrat Madelin en rente en fonction de différents paramètres.

Pendant sa durée de vie, le contrat restera rachetable selon certaines situations de déblocage.

Plan d'Epargne Entreprise (PEE)
Les plans d'épargne salariale sont des plans sur lesquels sont placés les versements volontaires du salarié ou des primes (de participation, ou d'intéressement), éventuellement abondés par l'employeur (l'abondement réalisé par l'employeur au profit du salarié est exonéré d'impôt pour toutes ces parties).

Les sommes sont bloquées pendant 5 ans (possiblité de déblocage anticipé sous certaines conditions) et, au moment du déblocage, les plus-values réalisées sont exonérées d'imposition (hormis les prélèvements sociaux).

PERCO
Le Plan d'Epargne pour la Retraite COllectif est un produit d'épargne retraite collectif issu de la réforme Fillon sur les régimes de retraite.
Mis en place dans le cadre de l'entreprise, il a vocation à permettre aux salariés de se constituer une épargne avec sortie en rente viagère ou en capital, à des conditions fiscales avantageuses.

Dispositifs des Articles 39 et 82-83 du CGI
Les contrats d'épargne entreprise (article 82, article 83 et article 39 du Code général des impôts) sont ouverts au sein de l'entreprise à une catégorie donnée de salariés. Très proches des contrats d'assurance vie, c'est l'employeur qui verse des primes. Le salarié reçoit une rente viagère ou un capital au moment de son départ en retraite.

  Contrats article 82 Contrats article 83 Contrats article 39
Bénéficiaires Salariés choisis par l'entreprise (tous les salariés, une catégorie homogène ou un seul d'entre eux). Tous les salariés ou une catégorie homogène de salariés.
Souscription Individuelle à adhésion facultative. Collective à adhésion obligatoire.
Mise en place Convention, accord d'entreprise ou décision unilatérale de l'employeur. Contrat d'assurance de groupe. Convention, référendum, accord d'entreprise, ou décision unilatérale de l'employeur.
Cotisant L'entreprise et parfois le salarié. L'entreprise et/ou le salarié. L'entreprise exclusivement.
Sortie Capital ou rente viagère. Rente viagère. Rente viagère.
Fiscalité
(Impôt sur le Revenu)
Rente soumise au régime fiscal des rentes viagères à titre onéreux ;
Capital exonéré d'IR.
Rente imposable selon le régime des rentes viagères à titre onéreux.
Prélèvements sociaux Sur les revenus des sommes placées.