{"id":3697,"date":"2016-11-23T13:32:47","date_gmt":"2016-11-23T11:32:47","guid":{"rendered":"http:\/\/www.peoplesphere.be\/fr\/?p=3697"},"modified":"2016-11-23T13:32:47","modified_gmt":"2016-11-23T11:32:47","slug":"la-population-active-belge-mal-preparee-a-la-retraite","status":"publish","type":"post","link":"https:\/\/peoplesphere.be\/fr\/la-population-active-belge-mal-preparee-a-la-retraite\/","title":{"rendered":"La population active belge mal pr\u00e9par\u00e9e \u00e0 la retraite&#8230;"},"content":{"rendered":"<p>Au travers de son Observatoire <em>\u00ab\u00a0Les Belges et la pr\u00e9paration \u00e0 la pension\u00a0\u00bb<\/em> confi\u00e9 \u00e0 la soci\u00e9t\u00e9 d&rsquo;\u00e9tude IPSOS, la soci\u00e9t\u00e9 CPC Banque &amp; Assurance veut estimer le niveau de pr\u00e9paration des Belges \u00e0 la retraite. Les premiers r\u00e9sultats viennent d&rsquo;\u00eatre diffus\u00e9s.<!--more--><\/p>\n<p>Et ils confirment le comportement paradoxal de nos concitoyens qui ne parviennent pas vraiment \u00e0 se pr\u00e9parer \u00e0 un \u00e9v\u00e9nement pourtant certain. En effet, les conclusions soulignent que <em>\u00ab\u00a0pr\u00e8s de la moiti\u00e9 des Belges (48%) estime ne pas \u00eatre suffisamment pr\u00e9par\u00e9e \u00e0 sa pension.\u00a0A ce sentiment s\u2019ajoutent plusieurs d\u00e9ficits d\u2019information interpellants : outre une sous-estimation de l\u2019esp\u00e9rance de vie une fois pensionn\u00e9, une large majorit\u00e9 de Belges affiche un d\u00e9ficit d\u2019information tant sur la d\u00e9finition des 3 piliers de notre syst\u00e8me de pension que sur leur situation personnelle.\u00a0Par contre, tous les r\u00e9pondants ont une id\u00e9e pr\u00e9cise du niveau de vie souhait\u00e9 une fois pensionn\u00e9s: 9 Belges sur 10 estiment avoir besoin d\u2019au moins 60% de leur dernier salaire.\u00a0\u00bb<\/em><\/p>\n<p>Paradoxal, disions-nous? <em>\u00ab\u00a0Cependant, les Belges sont conscients de la probl\u00e9matique des pensions puisque 6 Belges sur 10 estiment que m\u00eame la pension compl\u00e9mentaire ne suffira pas \u00e0 garantir leur niveau de vie.\u00a0Pour r\u00e9duire le foss\u00e9 entre le niveau de vie souhait\u00e9 et l\u2019\u00e9rosion du montant des pensions, 1 Belge sur 2 a d\u00e9j\u00e0 pris les devants en souscrivant personnellement une \u00e9pargne-pension. Ceux-ci continuent de pl\u00e9bisciter les produits d\u2019\u00e9pargne offrant la s\u00e9curit\u00e9 : plus de la moiti\u00e9 des Belges d\u00e9clare ne pas vouloir prendre de risques financiers pour assurer sa pension.\u00a0\u00bb<\/em><\/p>\n<p><strong><em>Le Belge sous-estime son esp\u00e9rance de vie<\/em><\/strong><\/p>\n<p>Prendre conscience de son esp\u00e9rance de vie est d\u2019autant plus important que certaines d\u00e9penses ont tendance \u00e0 augmenter en fin de vie (soins de sant\u00e9, maison de repos, etc.). Pourtant, plus de 60% des Belges estiment ce temps de retraite \u00e0 moins de 15 ans. Pour Val\u00e9rie Flohimont, Professeur \u00e0 l\u2019Universit\u00e9 de Namur sp\u00e9cialis\u00e9e en mati\u00e8re de pension : <em>\u00ab\u00a0Devoir financer sa pension pendant 25 \u00e0 30 ans est plut\u00f4t \u00e0 l\u2019ordre du jour. Or, le Belge sous-estime nettement son esp\u00e9rance de vie. Une bonne partie de la discussion autour de la pension est d\u2019ailleurs en rapport avec cette notion du temps. Certains agissent dans l\u2019imm\u00e9diatet\u00e9 et ont tendance \u00e0 profiter de ce qu\u2019ils ont aujourd\u2019hui, sans mettre de c\u00f4t\u00e9 ; d\u2019autres pr\u00e9f\u00e8rent se limiter aujourd\u2019hui et pr\u00e9voir pour \u2018plus tard\u2019. Toutefois, si l\u2019objectif est de maintenir son niveau de vie, il faut tenir compte de l\u2019esp\u00e9rance de vie et anticiper sa pension aujourd\u2019hui.\u00a0\u00bb<\/em><\/p>\n<p><strong><em>D\u00e9ficit d\u2019information \u00e0 tous niveaux<\/em><\/strong><\/p>\n<p>Outre la m\u00e9connaissance de leur esp\u00e9rance de vie une fois pensionn\u00e9s, 7 Belges sur 10 (73%) n\u2019ont pas d\u2019id\u00e9e du montant de leur pension l\u00e9gale (1er pilier). Pour ce qui est de la pension compl\u00e9mentaire, 43% des Belges n\u2019en connaissent pas le montant.<\/p>\n<p>L\u2019Observatoire CBC r\u00e9v\u00e8le \u00e9galement que 8 Belges sur 10 ne connaissent pas le syst\u00e8me des pensions et ses 3 piliers. Pour Xavier Falla, Directeur du March\u00e9 des Particuliers de CBC Banque &amp; Assurance, <em>\u00ab\u00a0Le syst\u00e8me actuel des pensions bas\u00e9 sur les 3 piliers et le jargon utilis\u00e9 ne sont visiblement pas encore assimil\u00e9s et donc peu familiers des Belges. Cela renforce la n\u00e9bulosit\u00e9 du contexte actuel. Paradoxalement, et dans le m\u00eame temps, il est demand\u00e9 au citoyen de se mobiliser \u00e0 titre individuel pour constituer sa pension.\u00a0\u00bb<\/em><\/p>\n<p><strong><em>Mal inform\u00e9s mais pr\u00e9voyants&#8230;<\/em><\/strong><\/p>\n<p>La grande majorit\u00e9 des Belges &#8211; 9 sur 10 &#8211; estime avoir besoin d\u2019au moins 60% de son dernier salaire pour vivre une fois \u00e0 la retraite. Les experts soulignent cependant :<em> \u00ab\u00a0Cette estimation des Belges semble malheureusement peu r\u00e9aliste \u00e9tant donn\u00e9 qu\u2019il est admis qu\u2019une fois pensionn\u00e9, le Belge perd en moyenne 50% de ses revenus. Or, les co\u00fbts li\u00e9s \u00e0 l\u2019\u00e2ge et les envies ou besoins qu\u2019ont les pensionn\u00e9s g\u00e9n\u00e8rent un niveau de vie qui reste important. Si un couple n\u2019est pas en bonne sant\u00e9, il peut sous-estimer les co\u00fbts des soins. En bonne sant\u00e9, ces personnes auront quant \u00e0 elles d\u2019autres d\u00e9penses \u00e0 financer telles que les loisirs. Il est donc essentiel que le Belge anticipe et pr\u00e9pare sa retraite.\u00a0\u00bb<\/em><\/p>\n<p>Face \u00e0 ce niveau de vie souhait\u00e9, pr\u00e8s de 6 Belges sur 10 pensent que la pension compl\u00e9mentaire (2\u00e8me pilier) ne suffira pas pour le garantir. Et pour compenser, les Belges commencent \u00e0 miser sur l\u2019\u00e9pargne : 1 Belge sur 2 a souscrit personnellement une \u00e9pargne-pension individuelle (3\u00e8me pilier).<\/p>\n<p>Ces chiffres montrent que les Belges sont de plus en plus nombreux \u00e0 \u00eatre conscients de la probl\u00e9matique des pensions et qu\u2019il existe un besoin \u00e9vident de constituer une pension compl\u00e9mentaire \u00e0 titre individuel. Selon l\u2019Observatoire CBC, le top 3 des leviers pour compl\u00e9ter la pension l\u00e9gale consiste en des moyens individuels : assurance-\u00e9pargne pension (29%), compte \u00e9pargne-pension (26%) et placements financiers (20%).<\/p>\n<p>Les Belges pl\u00e9biscitent les produits d\u2019\u00e9pargne offrant la s\u00e9curit\u00e9. Plus de la moiti\u00e9 des Belges ne veulent pas prendre de risques financiers pour assurer leur pension. Ce sont les plus \u00e2g\u00e9s (63% des 55-65 ans) qui sont \u00e9videmment moins enclins \u00e0 prendre des risques. A l\u2019inverse, les 18-24 ans y semblent davantage dispos\u00e9s (56%). <em>\u00ab\u00a0L\u2019enqu\u00eate r\u00e9v\u00e8le que pr\u00e8s de la moiti\u00e9 des Belges (48%) estime ne pas \u00eatre suffisamment pr\u00e9par\u00e9e \u00e0 sa pension. Or, \u00e0 l\u2019inverse de cette perception, les Belges se mobilisent face \u00e0 la probl\u00e9matique des pensions dont ils sont bien conscients. Le d\u00e9fi pos\u00e9 par l\u2019\u00e9rosion des montants des pensions l\u00e9gales sera certainement plus grand encore pour les plus jeunes actifs. La bonne nouvelle : ils ont un horizon plus long et leur r\u00e9action rapide leur permettra de donner une r\u00e9ponse efficace \u00e0 cette probl\u00e9matique\u00a0\u00bb<\/em>, pr\u00e9cise Xavier Falla.<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Au travers de son Observatoire \u00ab\u00a0Les Belges et la pr\u00e9paration \u00e0 la pension\u00a0\u00bb confi\u00e9 \u00e0 la soci\u00e9t\u00e9 d&rsquo;\u00e9tude IPSOS, la soci\u00e9t\u00e9 CPC Banque &amp; Assurance veut estimer le niveau de pr\u00e9paration des Belges \u00e0 la retraite. Les premiers r\u00e9sultats viennent [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[65,10],"tags":[375,430,1044,1043,13,688],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>La population active belge mal pr\u00e9par\u00e9e \u00e0 la retraite... - Peoplesphere<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/peoplesphere.be\/fr\/la-population-active-belge-mal-preparee-a-la-retraite\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"La population active belge mal pr\u00e9par\u00e9e \u00e0 la retraite... - Peoplesphere\" \/>\n<meta property=\"og:description\" content=\"Au travers de son Observatoire \u00ab\u00a0Les Belges et la pr\u00e9paration \u00e0 la pension\u00a0\u00bb confi\u00e9 \u00e0 la soci\u00e9t\u00e9 d&rsquo;\u00e9tude IPSOS, la soci\u00e9t\u00e9 CPC Banque &amp; Assurance veut estimer le niveau de pr\u00e9paration des Belges \u00e0 la retraite. Les premiers r\u00e9sultats viennent [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/peoplesphere.be\/fr\/la-population-active-belge-mal-preparee-a-la-retraite\/\" \/>\n<meta property=\"og:site_name\" content=\"Peoplesphere\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/peoplesphere\" \/>\n<meta property=\"article:published_time\" content=\"2016-11-23T11:32:47+00:00\" \/>\n<meta property=\"og:image\" content=\"http:\/\/www.peoplesphere.be\/fr\/wp-content\/uploads\/2016\/07\/facebook-default-posting-1200x628px.jpg\" \/>\n<meta name=\"author\" content=\"Jean-Paul Erhard\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@PeoplesphereMag\" \/>\n<meta name=\"twitter:site\" content=\"@PeoplesphereMag\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Jean-Paul Erhard\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/peoplesphere.be\/fr\/la-population-active-belge-mal-preparee-a-la-retraite\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/peoplesphere.be\/fr\/la-population-active-belge-mal-preparee-a-la-retraite\/\"},\"author\":{\"name\":\"Jean-Paul Erhard\",\"@id\":\"https:\/\/peoplesphere.be\/fr\/#\/schema\/person\/7976225ff17988604334abb7b3536a7e\"},\"headline\":\"La population active belge mal pr\u00e9par\u00e9e \u00e0 la retraite&#8230;\",\"datePublished\":\"2016-11-23T11:32:47+00:00\",\"dateModified\":\"2016-11-23T11:32:47+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/peoplesphere.be\/fr\/la-population-active-belge-mal-preparee-a-la-retraite\/\"},\"wordCount\":1001,\"publisher\":{\"@id\":\"https:\/\/peoplesphere.be\/fr\/#organization\"},\"keywords\":[\"assurance groupe\",\"\u00e9pargne\",\"fin de carri\u00e8re\",\"observatoire\",\"Pension\",\"retraite\"],\"articleSection\":[\"Actualit\u00e9s\",\"Digital\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/peoplesphere.be\/fr\/la-population-active-belge-mal-preparee-a-la-retraite\/\",\"url\":\"https:\/\/peoplesphere.be\/fr\/la-population-active-belge-mal-preparee-a-la-retraite\/\",\"name\":\"La population active belge mal pr\u00e9par\u00e9e \u00e0 la retraite... - 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