{"id":1072,"date":"2024-11-02T10:21:29","date_gmt":"2024-11-02T09:21:29","guid":{"rendered":"https:\/\/www.sequana-epargne.com\/sequana-epargne.com\/?page_id=1072"},"modified":"2025-01-27T19:21:17","modified_gmt":"2025-01-27T18:21:17","slug":"preparer-sa-retraite","status":"publish","type":"page","link":"https:\/\/www.sequana-epargne.com\/?page_id=1072","title":{"rendered":"Pr\u00e9parer sa retraite"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1072\" class=\"elementor elementor-1072\">\n\t\t\t\t<div class=\"elementor-element elementor-element-532a065 e-flex e-con-boxed e-con e-parent\" data-id=\"532a065\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-14c98cb elementor-widget elementor-widget-text-editor\" data-id=\"14c98cb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Des d\u00e9cisions importantes<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-32783e78 e-flex e-con-boxed e-con e-parent\" data-id=\"32783e78\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-88f22fb elementor-widget elementor-widget-text-editor\" data-id=\"88f22fb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Structurer efficacement une partie de son \u00e9pargne en vue de la <strong>retraite<\/strong> n\u00e9cessite \u00e0 la fois des <strong>estimations s\u00e9rieuses<\/strong> et des prises de <strong>d\u00e9cision importantes<\/strong>.\u00a0<\/p><p>Les <strong>estimations<\/strong> portent sur les <strong>revenus compl\u00e9mentaires<\/strong> dont on aura besoin une fois \u00e0 la retraite, sur le<strong> capital \u00e0 accumuler<\/strong> pour g\u00e9n\u00e9rer ce revenu, sur <strong>l&#8217;effort \u00e9pargne<\/strong> \u00e0 mettre en place pour l&#8217;obtenir.<\/p><p>Les <strong>d\u00e9cisions<\/strong> porteront sur la <strong>structuration de cet \u00e9pargne<\/strong>, essentiellement en terme de composition, o\u00f9 la partie accord\u00e9e aux actions sera d\u00e9terminante. En effet, sur toute p\u00e9riode d&#8217;au moins 10 ans et\u00a0<span style=\"font-family: Poppins; font-size: 20px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; text-align: var(--text-align);\">depuis plus de 200 ans<\/span><span style=\"font-size: 20px; text-align: var(--text-align);\">, l<strong>es actions sont\u00a0 la classe d&#8217;actifs qui permet d&#8217;obtenir les rendements plus plus \u00e9lev\u00e9s,<\/strong> surtout si elles sont g\u00e9r\u00e9es par des soci\u00e9t\u00e9s sp\u00e9cialis\u00e9es qui ont montr\u00e9, au cours des ann\u00e9es, leur capacit\u00e9 \u00e0 g\u00e9n\u00e9rer de la performance et \u00e0 contr\u00f4ler leurs risques. Toutefois, <strong>l&#8217;investissement dans les actions implique l&#8217;acceptation d&#8217;un certain niveau de risque \u00e0 plus court terme<\/strong>. Et en la mati\u00e8re, chaque \u00e9pargnant est unique, ainsi que pour l&#8217;optimisation entre les diff\u00e9rentes enveloppes disponibles : Plan d&#8217;Epargne Retraite, PEA, Assurance Vie. En fonction de votre niveau d&#8217;imposition actuel et futur, de vos choix en mati\u00e8re de succession, de la part en actions que vous souhaiterez, la r\u00e9partition optimale entre ces enveloppes ne sera pas la m\u00eame. <\/span><strong style=\"font-size: 20px; text-align: var(--text-align);\">C&#8217;est pourquoi nous vous proposons de vous rencontrer pour faire, avec vous, le tour de la question de fa\u00e7on totalement personnalis\u00e9e pour construire avec vous une solution sur mesure.\u00a0<\/strong><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a5abac0 e-flex e-con-boxed e-con e-parent\" data-id=\"a5abac0\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1b2020b elementor-widget elementor-widget-text-editor\" data-id=\"1b2020b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong><a href=\"mailto:contact@sequana-epargne.com\">contact@sequana-epargne.com<\/a><\/strong><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cddea02 e-flex e-con-boxed e-con e-parent\" data-id=\"cddea02\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-22bc403 elementor-widget elementor-widget-text-editor\" data-id=\"22bc403\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong>Calculer ses besoins futurs<\/strong><br \/>Pour un cadre dirigeant quadrag\u00e9naire, les projections actuelles pr\u00e9voient une baisse de revenu proche de 70% au moment du d\u00e9part \u00e0 la retraite. A combien peut-on estimer le montant de votre future pension de retraite ?Vos charges ne seront plus les m\u00eames : cr\u00e9dit immobilier rembours\u00e9, enfants devenus ind\u00e9pendants&#8230;\u00a0 de quel revenu compl\u00e9mentaire aurez-vous besoin ?\u00a0<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-65c5859 e-flex e-con-boxed e-con e-parent\" data-id=\"65c5859\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f9cf656 elementor-widget elementor-widget-text-editor\" data-id=\"f9cf656\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong>Calculer le capital n\u00e9cessaire<\/strong><br \/>Quel capital devez-vous accumuler pour, au moment de prendre votre retraite, g\u00e9n\u00e9rer le revenu compl\u00e9mentaire dont vous aurez besoin sur une p\u00e9riode de 20, 25 ou 30 ans ? Souhaitez-vous consommer l&#8217;int\u00e9gralit\u00e9 de ce capital ou en utiliser une partie pour effectuer des donations de votre vivant ou laisser un h\u00e9ritage \u00e0 vos enfants ou petits enfants ?\u00a0<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2332169 e-flex e-con-boxed e-con e-parent\" data-id=\"2332169\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8930e8a elementor-widget elementor-widget-text-editor\" data-id=\"8930e8a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong>Calculer mon effort d&#8217;\u00e9pargne<\/strong><br \/>Quel montant dois-je \u00e9pargner chaque mois pour me constituer le capital n\u00e9cessaire ? Dois-je effectuer un versement initial important ? Quelle r\u00e9partition entre les diff\u00e9rentes classes d&#8217;actifs ( actions, obligations&#8230;) pr\u00e9sente-t-elle la probabilit\u00e9 la plus \u00e9lev\u00e9e pour atteindre mon objectif ?<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-736d989 e-flex e-con-boxed e-con e-parent\" data-id=\"736d989\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-928192d elementor-widget elementor-widget-text-editor\" data-id=\"928192d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong>Mettre en place votre strat\u00e9gie d&#8217;\u00e9pargne<\/strong><br \/>Quel rendement viser pour mon \u00e9pargne ? Quels instruments choisir (actions, obligations, immobilier, investissements priv\u00e9s, fonds euro et garanti des assureurs&#8230;)\u00a0 et comment les r\u00e9partir au mieux compte tenu de ma propre perception du risque ? Comment optimiser la r\u00e9partion entre les diff\u00e9rentes enveloppes disponibles (Plan d&#8217;Epargne Retraite, Assurance-Vie, PEA&#8230;)<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Des d\u00e9cisions importantes Structurer efficacement une partie de son \u00e9pargne en vue de la retraite n\u00e9cessite \u00e0 la fois des estimations s\u00e9rieuses et des prises de d\u00e9cision importantes.\u00a0 Les estimations portent sur les revenus compl\u00e9mentaires dont on aura besoin une fois \u00e0 la retraite, sur le capital \u00e0 accumuler pour g\u00e9n\u00e9rer ce revenu, sur l&#8217;effort [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"ocean_post_layout":"","ocean_both_sidebars_style":"","ocean_both_sidebars_content_width":0,"ocean_both_sidebars_sidebars_width":0,"ocean_sidebar":"","ocean_second_sidebar":"","ocean_disable_margins":"enable","ocean_add_body_class":"","ocean_shortcode_before_top_bar":"","ocean_shortcode_after_top_bar":"","ocean_shortcode_before_header":"","ocean_shortcode_after_header":"","ocean_has_shortcode":"","ocean_shortcode_after_title":"","ocean_shortcode_before_footer_widgets":"","ocean_shortcode_after_footer_widgets":"","ocean_shortcode_before_footer_bottom":"","ocean_shortcode_after_footer_bottom":"","ocean_display_top_bar":"default","ocean_display_header":"default","ocean_header_style":"","ocean_center_header_left_menu":"","ocean_custom_header_template":"","ocean_custom_logo":0,"ocean_custom_retina_logo":0,"ocean_custom_logo_max_width":0,"ocean_custom_logo_tablet_max_width":0,"ocean_custom_logo_mobile_max_width":0,"ocean_custom_logo_max_height":0,"ocean_custom_logo_tablet_max_height":0,"ocean_custom_logo_mobile_max_height":0,"ocean_header_custom_menu":"","ocean_menu_typo_font_family":"","ocean_menu_typo_font_subset":"","ocean_menu_typo_font_size":0,"ocean_menu_typo_font_size_tablet":0,"ocean_menu_typo_font_size_mobile":0,"ocean_menu_typo_font_size_unit":"px","ocean_menu_typo_font_weight":"","ocean_menu_typo_font_weight_tablet":"","ocean_menu_typo_font_weight_mobile":"","ocean_menu_typo_transform":"","ocean_menu_typo_transform_tablet":"","ocean_menu_typo_transform_mobile":"","ocean_menu_typo_line_height":0,"ocean_menu_typo_line_height_tablet":0,"ocean_menu_typo_line_height_mobile":0,"ocean_menu_typo_line_height_unit":"","ocean_menu_typo_spacing":0,"ocean_menu_typo_spacing_tablet":0,"ocean_menu_typo_spacing_mobile":0,"ocean_menu_typo_spacing_unit":"","ocean_menu_link_color":"","ocean_menu_link_color_hover":"","ocean_menu_link_color_active":"","ocean_menu_link_background":"","ocean_menu_link_hover_background":"","ocean_menu_link_active_background":"","ocean_menu_social_links_bg":"","ocean_menu_social_hover_links_bg":"","ocean_menu_social_links_color":"","ocean_menu_social_hover_links_color":"","ocean_disable_title":"default","ocean_disable_heading":"default","ocean_post_title":"","ocean_post_subheading":"","ocean_post_title_style":"","ocean_post_title_background_color":"","ocean_post_title_background":0,"ocean_post_title_bg_image_position":"","ocean_post_title_bg_image_attachment":"","ocean_post_title_bg_image_repeat":"","ocean_post_title_bg_image_size":"","ocean_post_title_height":0,"ocean_post_title_bg_overlay":0.5,"ocean_post_title_bg_overlay_color":"","ocean_disable_breadcrumbs":"default","ocean_breadcrumbs_color":"","ocean_breadcrumbs_separator_color":"","ocean_breadcrumbs_links_color":"","ocean_breadcrumbs_links_hover_color":"","ocean_display_footer_widgets":"default","ocean_display_footer_bottom":"default","ocean_custom_footer_template":"","footnotes":""},"class_list":["post-1072","page","type-page","status-publish","hentry","entry"],"_links":{"self":[{"href":"https:\/\/www.sequana-epargne.com\/index.php?rest_route=\/wp\/v2\/pages\/1072","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.sequana-epargne.com\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.sequana-epargne.com\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.sequana-epargne.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.sequana-epargne.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1072"}],"version-history":[{"count":46,"href":"https:\/\/www.sequana-epargne.com\/index.php?rest_route=\/wp\/v2\/pages\/1072\/revisions"}],"predecessor-version":[{"id":2733,"href":"https:\/\/www.sequana-epargne.com\/index.php?rest_route=\/wp\/v2\/pages\/1072\/revisions\/2733"}],"wp:attachment":[{"href":"https:\/\/www.sequana-epargne.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1072"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}