{"id":2448,"date":"2023-10-24T17:30:53","date_gmt":"2023-10-24T15:30:53","guid":{"rendered":"http:\/\/lex-dd.com\/wp\/patrimoine\/?page_id=2448"},"modified":"2023-11-06T10:16:01","modified_gmt":"2023-11-06T09:16:01","slug":"simulateur-de-retraite","status":"publish","type":"page","link":"https:\/\/lex-dd.com\/patrimoine\/simulateur-de-retraite\/","title":{"rendered":"Simulateur de Retraite"},"content":{"rendered":"<section data-bb-version=\"4.7.5\" id=\"bt_bb_section6a10d2a24a3a3\" class=\"bt_bb_section bt_bb_layout_boxed_1200 bt_bb_vertical_align_top bt_bb_top_spacing_extra_large bt_bb_bottom_spacing_large bt_bb_hidden_xs bt_bb_hidden_ms bt_bb_hidden_sm\" style=\";background-color:#e6aa3f;\" data-bt-override-class=\"{&quot;bt_bb_top_spacing_&quot;:{&quot;current_class&quot;:&quot;bt_bb_top_spacing_extra_large&quot;,&quot;xxl&quot;:&quot;extra_large&quot;},&quot;bt_bb_bottom_spacing_&quot;:{&quot;current_class&quot;:&quot;bt_bb_bottom_spacing_large&quot;,&quot;xxl&quot;:&quot;large&quot;}}\"><div class=\"bt_bb_background_image_holder_wrapper\"><div class=\"bt_bb_background_image_holder btLazyLoadBackground\"  data-background_image_src=\"https:\/\/lex-dd.com\/patrimoine\/wp-content\/uploads\/sites\/2\/2023\/10\/titre-1.png\" data-parallax-zoom-start=\"1\" data-parallax-zoom-end=\"1\" data-parallax-blur-start=\"0\" data-parallax-blur-end=\"0\" data-parallax-opacity-start=\"1\" data-parallax-opacity-end=\"1\" style=\" background-image: url(&#039;https:\/\/lex-dd.com\/patrimoine\/wp-content\/plugins\/bold-page-builder\/img\/blank.gif&#039;);\"><\/div><\/div><div class=\"bt_bb_port\"><div class=\"bt_bb_cell\"><div class=\"bt_bb_cell_inner\"><div class=\"bt_bb_row_wrapper\"><div  class=\"bt_bb_row bt_bb_column_gap_40\"  data-bt-override-class=\"{}\"><div  class=\"bt_bb_column col-xxl-6 col-xl-6 bt_bb_vertical_align_bottom bt_bb_align_left bt_bb_padding_normal bt_bb_animation_fade_in animate\"  data-width=\"6\" data-bt-override-class=\"{}\"><div class=\"bt_bb_column_content\"><div class=\"bt_bb_separator bt_bb_border_style_none bt_bb_bottom_spacing_normal\" data-bt-override-class=\"null\"><\/div><header data-bb-version=\"4.7.5\" class=\"bt_bb_headline bt_bb_subheadline_text_transform_default bt_bb_color_scheme_6 bt_bb_dash_top bt_bb_superheadline bt_bb_superheadline_outside bt_bb_size_large bt_bb_align_inherit\" style=\"; --primary-color:#ffffff; --secondary-color:#d3be87;\" data-bt-override-class=\"{&quot;bt_bb_size_&quot;:{&quot;current_class&quot;:&quot;bt_bb_size_large&quot;,&quot;xxl&quot;:&quot;large&quot;},&quot;bt_bb_align_&quot;:{&quot;current_class&quot;:&quot;bt_bb_align_inherit&quot;,&quot;xxl&quot;:&quot;inherit&quot;}}\"><div class=\"bt_bb_headline_superheadline_outside\"><span class=\"bt_bb_headline_superheadline\">retraite <\/span><\/div><h2 class=\"bt_bb_headline_tag\"><span class=\"bt_bb_headline_content\"><span><s><em>Pr\u00e9parez votre retraite en toute qui\u00e9tude<\/em><\/s><br \/>\r\n<\/span><\/span><\/h2><\/header><div class=\"bt_bb_separator bt_bb_border_style_none bt_bb_top_spacing_small bt_bb_bottom_spacing_normal\" data-bt-override-class=\"null\"><\/div><\/div><\/div><div  class=\"bt_bb_column col-xxl-6 col-xl-6 bt_bb_vertical_align_top bt_bb_align_left bt_bb_padding_normal\"  data-width=\"6\" data-bt-override-class=\"{}\"><div class=\"bt_bb_column_content\"><\/div><\/div><\/div><\/div><\/div><!-- cell_inner --><\/div><!-- cell --><\/div><!-- port --><\/section><section id=\"bt_bb_section6a10d2a24a6e3\" class=\"bt_bb_section bt_bb_color_scheme_1 bt_bb_layout_boxed_1200 bt_bb_vertical_align_top bt_bb_background_overlay_dark_solid bt_bb_top_spacing_large bt_bb_bottom_spacing_large bt_bb_hidden_md bt_bb_hidden_lg\" style=\"; --section-primary-color:#ffffff; --section-secondary-color:#191919;;background-color:#e6aa3f;\" data-bt-override-class=\"null\"><div class=\"bt_bb_port\"><div class=\"bt_bb_cell\"><div class=\"bt_bb_cell_inner\"><div class=\"bt_bb_row_wrapper\"><div  class=\"bt_bb_row bt_bb_column_gap_40\"  data-bt-override-class=\"{}\"><div  class=\"bt_bb_column col-xxl-12 col-xl-12 bt_bb_vertical_align_bottom bt_bb_align_left bt_bb_padding_normal bt_bb_animation_fade_in animate\"  data-width=\"12\" data-bt-override-class=\"{}\"><div class=\"bt_bb_column_content\"><div class=\"bt_bb_separator bt_bb_border_style_none bt_bb_top_spacing_medium bt_bb_bottom_spacing_normal\" data-bt-override-class=\"null\"><\/div><header data-bb-version=\"4.7.5\" class=\"bt_bb_headline bt_bb_subheadline_text_transform_default bt_bb_color_scheme_6 bt_bb_dash_top bt_bb_superheadline bt_bb_superheadline_outside bt_bb_size_large bt_bb_align_inherit\" style=\"; --primary-color:#ffffff; --secondary-color:#d3be87;\" data-bt-override-class=\"{&quot;bt_bb_size_&quot;:{&quot;current_class&quot;:&quot;bt_bb_size_large&quot;,&quot;xxl&quot;:&quot;large&quot;},&quot;bt_bb_align_&quot;:{&quot;current_class&quot;:&quot;bt_bb_align_inherit&quot;,&quot;xxl&quot;:&quot;inherit&quot;}}\"><div class=\"bt_bb_headline_superheadline_outside\"><span class=\"bt_bb_headline_superheadline\">retraite <\/span><\/div><h2 class=\"bt_bb_headline_tag\"><span class=\"bt_bb_headline_content\"><span><s><em>Pr\u00e9parez votre retraite en toute qui\u00e9tude<\/em><\/s><br \/>\r\n<\/span><\/span><\/h2><\/header><div class=\"bt_bb_separator bt_bb_border_style_none bt_bb_top_spacing_small bt_bb_bottom_spacing_normal\" data-bt-override-class=\"null\"><\/div><div class=\"bt_bb_separator bt_bb_border_style_none bt_bb_bottom_spacing_medium\" data-bt-override-class=\"null\"><\/div><\/div><\/div><\/div><\/div><\/div><!-- cell_inner --><\/div><!-- cell --><\/div><!-- port --><\/section><section id=\"bt_bb_section6a10d2a24a9c3\" class=\"bt_bb_section bt_bb_layout_boxed_1200 bt_bb_vertical_align_top bt_bb_top_spacing_large bt_bb_bottom_spacing_large\"  data-bt-override-class=\"null\"><div class=\"bt_bb_background_image_holder_wrapper\"><div class=\"bt_bb_background_image_holder btLazyLoadBackground\"  data-background_image_src=\"https:\/\/lex-dd.com\/patrimoine\/wp-content\/uploads\/sites\/2\/2019\/04\/bgn-passion.jpg\" data-parallax-zoom-start=\"1\" data-parallax-zoom-end=\"1\" data-parallax-blur-start=\"0\" data-parallax-blur-end=\"0\" data-parallax-opacity-start=\"1\" data-parallax-opacity-end=\"1\" style=\" background-image: url(&#039;https:\/\/lex-dd.com\/patrimoine\/wp-content\/plugins\/bold-page-builder\/img\/blank.gif&#039;);\"><\/div><\/div><div class=\"bt_bb_port\"><div class=\"bt_bb_cell\"><div class=\"bt_bb_cell_inner\"><div class=\"bt_bb_row_wrapper\"><div  class=\"bt_bb_row\"  data-bt-override-class=\"{}\"><div  class=\"bt_bb_column col-xxl-6 col-xl-6 bt_bb_vertical_align_top bt_bb_align_left bt_bb_padding_normal bt_bb_animation_fade_in bt_bb_animation_zoom_out animate\"  data-width=\"6\" data-bt-override-class=\"{}\"><div class=\"bt_bb_column_content\"><header class=\"bt_bb_headline bt_bb_dash_top bt_bb_subheadline bt_bb_size_large bt_bb_align_inherit\" data-bt-override-class=\"{&quot;bt_bb_size_&quot;:{&quot;current_class&quot;:&quot;bt_bb_size_large&quot;,&quot;xxl&quot;:&quot;large&quot;,&quot;xl&quot;:&quot;large&quot;},&quot;bt_bb_align_&quot;:{&quot;current_class&quot;:&quot;bt_bb_align_inherit&quot;,&quot;xxl&quot;:&quot;inherit&quot;,&quot;xl&quot;:&quot;inherit&quot;}}\"><h2 class=\"bt_bb_headline_tag\"><span class=\"bt_bb_headline_content\"><span><u>POURQUOI SIMULER SA RETRAITE ?<\/u><br \/>\r\n<\/span><\/span><\/h2><div class=\"bt_bb_headline_subheadline\">Le simulateur retraite vous permet de faire le point sur vos droits, d'estimer le montant de votre future retraite et d'envisager un \u00e2ge de d\u00e9part \u00e0 la retraite. Retrouvez le simulateur retraite et les autres services en ligne pour bien pr\u00e9parer votre retraite. Cet outil de simulation retraite affiche les droits que vous avez d\u00e9j\u00e0 obtenus aupr\u00e8s de vos caisses de retraite compl\u00e9mentaire. Puis il vous propose plusieurs sc\u00e9narios de d\u00e9roulement de carri\u00e8re. Cet outil en ligne vous permet de mesurer l\u2019incidence de votre \u00e2ge de d\u00e9part et de votre dur\u00e9e de cotisation sur le montant de votre future pension de retraite.<br \/>\r\n<\/div><\/header><div class=\"bt_bb_separator bt_bb_border_style_none bt_bb_bottom_spacing_normal bt_bb_hidden_md bt_bb_hidden_lg\" data-bt-override-class=\"null\"><\/div><\/div><\/div><div  class=\"bt_bb_column col-xxl-6 col-xl-6 bt_bb_vertical_align_top bt_bb_align_left bt_bb_padding_normal bt_bb_animation_fade_in bt_bb_animation_zoom_out animate\"  data-width=\"6\" data-bt-override-class=\"{}\"><div class=\"bt_bb_column_content\"><div data-bb-version=\"4.7.2\" class=\"bt_bb_image bt_bb_shape_square bt_bb_target_self bt_bb_align_inherit bt_bb_hover_style_simple bt_bb_content_display_always bt_bb_content_align_middle bt_bb_fill_background_color_full\" data-bt-override-class=\"{&quot;bt_bb_align_&quot;:{&quot;current_class&quot;:&quot;bt_bb_align_inherit&quot;,&quot;xxl&quot;:&quot;inherit&quot;},&quot;bt_bb_content_display_&quot;:{&quot;current_class&quot;:&quot;bt_bb_content_display_always&quot;,&quot;xxl&quot;:&quot;always&quot;}}\"><span><img width=\"1920\" height=\"1200\" src=\"https:\/\/lex-dd.com\/patrimoine\/wp-content\/uploads\/sites\/2\/2023\/10\/Estimer-sa-retraite-en-ligne.png\" class=\"attachment-full size-full\" alt=\"https:\/\/lex-dd.com\/patrimoine\/wp-content\/uploads\/sites\/2\/2023\/10\/Estimer-sa-retraite-en-ligne.png\" decoding=\"async\" data-full_image_src=\"https:\/\/lex-dd.com\/patrimoine\/wp-content\/uploads\/sites\/2\/2023\/10\/Estimer-sa-retraite-en-ligne.png\" title=\"Estimer-sa-retraite-en-ligne\" loading=\"lazy\" srcset=\"https:\/\/lex-dd.com\/patrimoine\/wp-content\/uploads\/sites\/2\/2023\/10\/Estimer-sa-retraite-en-ligne.png 1920w, https:\/\/lex-dd.com\/patrimoine\/wp-content\/uploads\/sites\/2\/2023\/10\/Estimer-sa-retraite-en-ligne-640x400.png 640w, https:\/\/lex-dd.com\/patrimoine\/wp-content\/uploads\/sites\/2\/2023\/10\/Estimer-sa-retraite-en-ligne-1280x800.png 1280w, https:\/\/lex-dd.com\/patrimoine\/wp-content\/uploads\/sites\/2\/2023\/10\/Estimer-sa-retraite-en-ligne-768x480.png 768w, https:\/\/lex-dd.com\/patrimoine\/wp-content\/uploads\/sites\/2\/2023\/10\/Estimer-sa-retraite-en-ligne-1536x960.png 1536w, https:\/\/lex-dd.com\/patrimoine\/wp-content\/uploads\/sites\/2\/2023\/10\/Estimer-sa-retraite-en-ligne-320x200.png 320w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/><\/span><\/div><\/div><\/div><\/div><\/div><div class=\"bt_bb_row_wrapper\"><div  class=\"bt_bb_row\"  data-bt-override-class=\"{}\"><div  class=\"bt_bb_column col-xxl-12 col-xl-12 bt_bb_vertical_align_top bt_bb_align_left bt_bb_padding_normal bt_bb_animation_fade_in animate\"  data-width=\"12\" data-bt-override-class=\"{}\"><div class=\"bt_bb_column_content\"><div class=\"bt_bb_separator bt_bb_border_style_none bt_bb_top_spacing_small bt_bb_bottom_spacing_medium\" style=\"; border-width: 2px; border-color: transparent; border-style: solid;\" data-bt-override-class=\"{&quot;bt_bb_top_spacing_&quot;:{&quot;current_class&quot;:&quot;bt_bb_top_spacing_small&quot;,&quot;xxl&quot;:&quot;small&quot;,&quot;xl&quot;:&quot;small&quot;},&quot;bt_bb_bottom_spacing_&quot;:{&quot;current_class&quot;:&quot;bt_bb_bottom_spacing_medium&quot;,&quot;xxl&quot;:&quot;medium&quot;,&quot;xl&quot;:&quot;medium&quot;}}\"><\/div><\/div><\/div><\/div><\/div><div class=\"bt_bb_row_wrapper\"><div  class=\"bt_bb_row\"  data-bt-override-class=\"{}\"><div  class=\"bt_bb_column col-xxl-12 col-xl-12 bt_bb_vertical_align_top bt_bb_align_left bt_bb_padding_normal\"  data-width=\"12\" data-bt-override-class=\"{}\"><div class=\"bt_bb_column_content\"><div class=\"bt_bb_row_wrapper\"><div  class=\"bt_bb_row_inner\"  data-bt-override-class=\"{}\"><div  class=\"bt_bb_column_inner col-xxl-12 col-xl-12 bt_bb_align_left bt_bb_vertical_align_top bt_bb_padding_normal bt_bb_animation_fade_in bt_bb_animation_zoom_out animate\"  data-width=\"12\" data-bt-override-class=\"{}\"><div class=\"bt_bb_column_inner_content\"><div  class=\"bt_bb_text\" ><h3 style=\"text-align: center;\"><strong><u>PENSION DE RETRAITE CNPS<\/u><\/strong><\/h3>\n<h5><\/h5>\n<h5><strong>Quelles sont les conditions \u00e0 remplir pour avoir droit \u00e0 cette pension ?<\/strong><\/h5>\n<ul>\n<li>Avoir atteint 60 ans ;<\/li>\n<li>Avoir accompli au moins quinze ans d\u2019activit\u00e9 salari\u00e9e ayant donn\u00e9 lieu \u00e0 des cotisations chez un ou plusieurs employeurs affili\u00e9s \u00e0 la CNPS ;<\/li>\n<li>Avoir cess\u00e9 toute activit\u00e9 salari\u00e9e.<\/li>\n<\/ul>\n<p>Le b\u00e9n\u00e9fice de la pension peut \u00eatre accord\u00e9 \u00e0 partir de 50 ans \u00e0 tout travailleur ayant rempli les deux derni\u00e8res conditions. Dans ce cas, la pension subit un abattement d\u00e9finitif de 5 % par ann\u00e9e d\u2019anticipation sauf pour le travailleur qui a acquis un taux de remplacement de 50 % ou qui est reconnu inapte \u00e0 tout travail dans les conditions fix\u00e9es par arr\u00eat\u00e9 du Ministre charg\u00e9 de la Pr\u00e9voyance Sociale.<\/p>\n<h5><strong>Quand est-elle pay\u00e9e et quel est le montant de cette pension ?\u00a0<\/strong><\/h5>\n<p>La pension est pay\u00e9e par mois et \u00e0 terme \u00e9chu. La pension de retraite est calcul\u00e9e en pourcentage des salaires soumis \u00e0 cotisation. Il est \u00e9gal au produit du salaire moyen des dix meilleures ann\u00e9es de la carri\u00e8re par le taux de remplacement. Le taux de remplacement est \u00e9gal au produit du taux de rendement annuel par la dur\u00e9e de la carri\u00e8re.<\/p>\n<p><strong>\u00a0<\/strong><strong>NB : <\/strong>Ce taux de rendement est de 1,33 % par an pour la p\u00e9riode de votre carri\u00e8re d\u00e9roul\u00e9e avant le 1er janvier 2000 et 1,70 % par an pour la p\u00e9riode d\u00e9roul\u00e9e \u00e0 partir de cette date.<\/p>\n<h5><strong>Quelle est la date de prise d\u2019effet de la pension de retraite ?<\/strong><\/h5>\n<p>La liquidation de la pension de retraite est effectu\u00e9e \u00e0 la demande du travailleur assortie d\u2019une justification de la cessation d\u2019activit\u00e9. Pour le travailleur qui d\u00e9pose la demande de liquidation de sa pension de retraite dans les six mois suivant sa cessation d\u2019activit\u00e9, la date d\u2019entr\u00e9e en jouissance est le premier jour du mois suivant cette cessation d\u2019activit\u00e9. Au-del\u00e0 de 6 mois, la date d\u2019entr\u00e9e en jouissance est fix\u00e9e au premier jour du mois suivant la date de d\u00e9p\u00f4t du dossier. Pour le conjoint survivant ou l\u2019orphelin du travailleur d\u00e9c\u00e9d\u00e9 en activit\u00e9, ce d\u00e9lai est port\u00e9 \u00e0 12 mois. Pour le conjoint survivant ou l\u2019orphelin d\u2019un retrait\u00e9, la date d\u2019entr\u00e9e en jouissance est fix\u00e9e au premier jour du mois suivant la date du d\u00e9c\u00e8s.<\/p>\n<\/div><div class=\"bt_bb_separator bt_bb_border_style_none bt_bb_bottom_spacing_normal\" data-bt-override-class=\"null\"><\/div><div class=\"bt_bb_separator bt_bb_border_style_none bt_bb_bottom_spacing_normal\" data-bt-override-class=\"null\"><\/div><div data-bb-version=\"4.7.5\" class=\"bt_bb_button bt_bb_color_scheme_3 bt_bb_icon_position_left bt_bb_style_outline bt_bb_size_medium bt_bb_width_inline bt_bb_shape_inherit bt_bb_target_self bt_bb_text_transform_inherit bt_bb_align_center\" style=\"; --primary-color:#d3be87; --secondary-color:#191919;\" data-bt-override-class=\"{&quot;bt_bb_size_&quot;:{&quot;current_class&quot;:&quot;bt_bb_size_medium&quot;,&quot;xxl&quot;:&quot;medium&quot;},&quot;bt_bb_align_&quot;:{&quot;current_class&quot;:&quot;bt_bb_align_center&quot;,&quot;xxl&quot;:&quot;center&quot;}}\"><a href=\"https:\/\/www.lex-dd.com\/wp\/patrimoine\/nous-contacter\" target=\"_self\" class=\"bt_bb_link\" title=\"Faites une simulation de votre retraite \"><span class=\"bt_bb_button_text\" >Faites une simulation de votre retraite <\/span><span  data-ico-fontawesome=\"&#xf1ec;\" class=\"bt_bb_icon_holder\"><\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><!-- cell_inner --><\/div><!-- cell --><\/div><!-- port --><\/section>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":2567,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":"","_joinchat":[]},"_links":{"self":[{"href":"https:\/\/lex-dd.com\/patrimoine\/wp-json\/wp\/v2\/pages\/2448"}],"collection":[{"href":"https:\/\/lex-dd.com\/patrimoine\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/lex-dd.com\/patrimoine\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/lex-dd.com\/patrimoine\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/lex-dd.com\/patrimoine\/wp-json\/wp\/v2\/comments?post=2448"}],"version-history":[{"count":6,"href":"https:\/\/lex-dd.com\/patrimoine\/wp-json\/wp\/v2\/pages\/2448\/revisions"}],"predecessor-version":[{"id":2770,"href":"https:\/\/lex-dd.com\/patrimoine\/wp-json\/wp\/v2\/pages\/2448\/revisions\/2770"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/lex-dd.com\/patrimoine\/wp-json\/wp\/v2\/media\/2567"}],"wp:attachment":[{"href":"https:\/\/lex-dd.com\/patrimoine\/wp-json\/wp\/v2\/media?parent=2448"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}