{"id":93922,"date":"2024-09-20T11:36:59","date_gmt":"2024-09-20T09:36:59","guid":{"rendered":"https:\/\/dexxter.be\/types-de-pension-complementaire-pour-les-independants\/"},"modified":"2026-05-15T13:20:34","modified_gmt":"2026-05-15T11:20:34","slug":"types-de-pension-complementaire-pour-les-independants","status":"publish","type":"post","link":"https:\/\/dexxter.be\/fr\/blog\/types-de-pension-complementaire-pour-les-independants\/","title":{"rendered":"Types de pension compl\u00e9mentaire pour les ind\u00e9pendants"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">La pension compl\u00e9mentaire priv\u00e9e pour ind\u00e9pendants (VAPZ)<br><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La VAPZ est une formule d&#8217;\u00e9pargne-pension tr\u00e8s pris\u00e9e des ind\u00e9pendants \u00e0 titre principal.<br><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Chaque ann\u00e9e, vous pouvez verser au maximum 8,17 % de vos revenus imposables sur le VAPZ (ordinaire), avec un plafond de 3 965,77 \u20ac en 2024.<br><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vous \u00eates ind\u00e9pendant \u00e0 titre compl\u00e9mentaire ? Alors vous pouvez encore en b\u00e9n\u00e9ficier si vous payez des cotisations sociales suffisamment \u00e9lev\u00e9es. Vous devez alors \u00eatre activ\u00e9 depuis au moins 3 ann\u00e9es et payer au moins 3 562,04 \u20ac (2024) annuels de cotisations sociales (le minimum de l&#8217;emploi principal).<br><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">La convention de pension pour les ind\u00e9pendants \u2696\ufe0f<br><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Vous avez atteint le montant maximum de votre PSPS mais vous souhaitez continuer \u00e0 \u00e9pargner pour votre pension ? Le POZ est alors une excellente option compl\u00e9mentaire pour tous les ind\u00e9pendants. Avec les m\u00eames conditions que le PSPS.<br><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.kbc.be\/entreprendre\/fr\/produits\/assurances\/assurer-vous-et-vos-collaborateurs\/vous-et-votre-famille\/cpti.html?zone=topnav\" target=\"_blank\" rel=\"noopener\">Pour en savoir plus sur le POZ, cliquez ici !<\/a><br><br><\/p>\n\n\n<style>.kb-row-layout-id55518_127e13-1a > .kt-row-column-wrap{align-content:center;}:where(.kb-row-layout-id55518_127e13-1a > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:center;}.kb-row-layout-id55518_127e13-1a > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:826px;margin-left:auto;margin-right:auto;padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-md, 2rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-md, 2rem);grid-template-columns:minmax(0, calc(30% - ((var(--global-kb-gap-md, 2rem) * 1 )\/2)))minmax(0, calc(70% - ((var(--global-kb-gap-md, 2rem) * 1 )\/2)));}.kb-row-layout-id55518_127e13-1a{border-top-left-radius:20px;border-top-right-radius:20px;border-bottom-right-radius:20px;border-bottom-left-radius:20px;overflow:clip;isolation:isolate;}.kb-row-layout-id55518_127e13-1a > .kt-row-layout-overlay{border-top-left-radius:20px;border-top-right-radius:20px;border-bottom-right-radius:20px;border-bottom-left-radius:20px;}.kb-row-layout-id55518_127e13-1a{background-color:#f0f4ff;}.kb-row-layout-id55518_127e13-1a > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id55518_127e13-1a > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr) minmax(0, 2fr);}}@media all and (max-width: 767px){.kb-row-layout-id55518_127e13-1a > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id55518_127e13-1a alignnone kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-right-golden kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-middle\">\n<style>.kadence-column55518_202598-70 > .kt-inside-inner-col{display:flex;}.kadence-column55518_202598-70 > .kt-inside-inner-col,.kadence-column55518_202598-70 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column55518_202598-70 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column55518_202598-70 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column55518_202598-70 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column55518_202598-70{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column55518_202598-70{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column55518_202598-70 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column55518_202598-70 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column55518_202598-70{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column55518_202598-70{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column55518_202598-70{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column55518_202598-70 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column55518_202598-70 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column55518_202598-70{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column55518_202598-70{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column55518_202598-70 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column55518_202598-70 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column55518_202598-70\"><div class=\"kt-inside-inner-col\">\n<figure class=\"wp-block-image size-full\"><img fetchpriority=\"high\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/dexxter.be\/wp-content\/uploads\/2024\/06\/13.png\" alt=\"\" class=\"wp-image-30304\"><\/figure>\n<\/div><\/div>\n\n\n<style>.kadence-column55518_2638f9-7a > .kt-inside-inner-col,.kadence-column55518_2638f9-7a > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column55518_2638f9-7a > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column55518_2638f9-7a > .kt-inside-inner-col{flex-direction:column;}.kadence-column55518_2638f9-7a > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column55518_2638f9-7a > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column55518_2638f9-7a{position:relative;}@media all and (max-width: 1024px){.kadence-column55518_2638f9-7a > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column55518_2638f9-7a > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column55518_2638f9-7a\"><div class=\"kt-inside-inner-col\">\n<p class=\"has-text-align-left wp-block-paragraph\"><strong>Vous voulez savoir quelles assurances sont d\u00e9ductibles des imp\u00f4ts ?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Alors voyez notre <a href=\"http:\/\/dexxter.be\/fr\/assurance-deductible-pour-les-travailleurs-independants\/\" data-type=\"post\" data-id=\"54555\">liste des assurances d\u00e9ductibles fiscalement pour les ind\u00e9pendants en emploi principal<\/a>!<br><\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<p class=\"wp-block-paragraph\"><br><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Vous voulez savoir quelles assurances sont d\u00e9ductibles des imp\u00f4ts ?<\/strong><br><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Alors voyez notre <a href=\"http:\/\/dexxter.be\/fr\/assurance-deductible-pour-les-travailleurs-independants\/\">liste des assurances d\u00e9ductibles fiscalement pour les ind\u00e9pendants en emploi principal<\/a>!<br><br><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">L&#8217;\u00e9pargne-pension : une option pour tout le monde<br><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Outre la VAPZ et la POZ, il existe \u00e9galement la formule classique de l&#8217;\u00e9pargne-pension. Cette forme d&#8217;\u00e9pargne-pension compl\u00e9mentaire est ouverte \u00e0 tous les Belges, que vous soyez ind\u00e9pendant ou non.<br><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En 2024, vous pouvez d\u00e9poser jusqu&#8217;\u00e0 1 020 \u20ac par ann\u00e9e et b\u00e9n\u00e9ficier d&#8217;une r\u00e9duction d&#8217;imp\u00f4t de 30 %. Ceux qui \u00e9pargnent jusqu&#8217;\u00e0 1 310 \u20ac par ann\u00e9e b\u00e9n\u00e9ficieront d&#8217;une r\u00e9duction d&#8217;imp\u00f4t de 25 %. Une piste suppl\u00e9mentaire int\u00e9ressante, surtout si vous maximisez d\u00e9j\u00e0 le VAPZ et le POZ. Pour plus d&#8217;informations, cliquez <a href=\"https:\/\/www.kbc.be\/particuliers\/fr\/epargne-pension\/plafonds-fiscaux.html?zone=topnav\" target=\"_blank\" rel=\"noopener\">ici<\/a>.<br><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">D&#8217;autres moyens d&#8217;\u00e9pargner<br><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Outre les formules d&#8217;\u00e9pargne-pension fiscalement avantageuses, il existe d&#8217;autres moyens de se constituer un joli capital pour vos vieux jours :<br><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Investir dans l&#8217;immobilier, par exemple dans sa propre maison \ud83c\udfe1<\/li>\n\n\n\n<li>Investir dans des actions, des obligations ou d&#8217;autres instruments financiers \ud83d\udcb9<\/li>\n\n\n\n<li>Se constituer un patrimoine professionnel ou priv\u00e9 \ud83d\udc77<br><br><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Bien que ces options offrent moins de garanties qu&#8217;un PSPS ou un POZ, elles peuvent \u00e9galement s&#8217;av\u00e9rer tr\u00e8s rentables dans de bonnes circonstances !<br><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Conclusion<br><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">En utilisant intelligemment les formules d&#8217;\u00e9pargne-pension disponibles telles que la VAPZ, la POZ et l&#8217;\u00e9pargne-pension classique, vous pouvez vous constituer un joli capital suppl\u00e9mentaire en plus de votre pension l\u00e9gale.<br><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Demandez \u00e0 un expert de vous aider \u00e0 \u00e9laborer un plan de pension bien pens\u00e9 et adapt\u00e9 \u00e0 vos besoins. Vous vous assurerez ainsi une s\u00e9curit\u00e9 financi\u00e8re et une tranquillit\u00e9 d&#8217;esprit, pour profiter pleinement de votre retraite bien m\u00e9rit\u00e9e ! \ud83c\udf89<br><\/p>\n\n\n<style>.kb-row-layout-id55518_109328-88 > .kt-row-column-wrap{align-content:center;}:where(.kb-row-layout-id55518_109328-88 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:center;}.kb-row-layout-id55518_109328-88 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:826px;margin-left:auto;margin-right:auto;padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-md, 2rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-md, 2rem);grid-template-columns:minmax(0, calc(30% - ((var(--global-kb-gap-md, 2rem) * 1 )\/2)))minmax(0, calc(70% - ((var(--global-kb-gap-md, 2rem) * 1 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kt-mobile-layout-row kt-row-valign-middle\">\n<style>.kadence-column55518_14838a-fb > .kt-inside-inner-col{display:flex;}.kadence-column55518_14838a-fb > .kt-inside-inner-col,.kadence-column55518_14838a-fb > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column55518_14838a-fb > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column55518_14838a-fb > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column55518_14838a-fb > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column55518_14838a-fb{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column55518_14838a-fb{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column55518_14838a-fb > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column55518_14838a-fb > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column55518_14838a-fb{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column55518_14838a-fb{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column55518_14838a-fb{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column55518_14838a-fb > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column55518_14838a-fb > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column55518_14838a-fb{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column55518_14838a-fb{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column55518_14838a-fb > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column55518_14838a-fb > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column55518_14838a-fb\"><div class=\"kt-inside-inner-col\">\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/dexxter.be\/wp-content\/uploads\/2024\/06\/14.png\" alt=\"\" class=\"wp-image-30303\"><\/figure>\n<\/div><\/div>\n\n\n<style>.kadence-column55518_5942f8-b7 > .kt-inside-inner-col,.kadence-column55518_5942f8-b7 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column55518_5942f8-b7 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column55518_5942f8-b7 > .kt-inside-inner-col{flex-direction:column;}.kadence-column55518_5942f8-b7 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column55518_5942f8-b7 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column55518_5942f8-b7{position:relative;}@media all and (max-width: 1024px){.kadence-column55518_5942f8-b7 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column55518_5942f8-b7 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column55518_5942f8-b7\"><div class=\"kt-inside-inner-col\">\n<p class=\"has-text-align-left wp-block-paragraph\"><strong>Le saviez-vous ?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vous voulez en savoir plus sur l&#8217;entrepreneuriat et la comptabilit\u00e9 ? Alors ne manquez pas de suivre un <a href=\"http:\/\/dexxter.be\/zelf-boekhouding-doen-webinars\/\">webinaire<\/a> et\/ou un <a href=\"http:\/\/dexxter.be\/cursus-zelf-boekhouden-als-eenmanszaak\/\">cours<\/a> <a href=\"http:\/\/dexxter.be\/zelf-boekhouding-doen-webinars\/\">gratuit<\/a>!<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<p class=\"wp-block-paragraph\"><br><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><br><\/p>\n","protected":false},"excerpt":{"rendered":"<p>La pension compl\u00e9mentaire priv\u00e9e pour ind\u00e9pendants (VAPZ) La VAPZ est une formule d&#8217;\u00e9pargne-pension tr\u00e8s pris\u00e9e des ind\u00e9pendants \u00e0 titre principal. Chaque ann\u00e9e, vous pouvez verser au maximum 8,17 % de vos revenus imposables sur le VAPZ (ordinaire), avec un plafond de 3 965,77 \u20ac en 2024. Vous \u00eates ind\u00e9pendant \u00e0 titre compl\u00e9mentaire ? Alors vous [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":30614,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[38],"tags":[73,72,71,63,64],"class_list":["post-93922","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-entreprise-individuelle","tag-independant-a-titre-complementaire","tag-independant-a-titre-principal","tag-pre-demarrage","tag-proprietaire","tag-tous"],"_links":{"self":[{"href":"https:\/\/dexxter.be\/fr\/wp-json\/wp\/v2\/posts\/93922","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/dexxter.be\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/dexxter.be\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/dexxter.be\/fr\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/dexxter.be\/fr\/wp-json\/wp\/v2\/comments?post=93922"}],"version-history":[{"count":1,"href":"https:\/\/dexxter.be\/fr\/wp-json\/wp\/v2\/posts\/93922\/revisions"}],"predecessor-version":[{"id":93923,"href":"https:\/\/dexxter.be\/fr\/wp-json\/wp\/v2\/posts\/93922\/revisions\/93923"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/dexxter.be\/fr\/wp-json\/wp\/v2\/media\/30614"}],"wp:attachment":[{"href":"https:\/\/dexxter.be\/fr\/wp-json\/wp\/v2\/media?parent=93922"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dexxter.be\/fr\/wp-json\/wp\/v2\/categories?post=93922"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dexxter.be\/fr\/wp-json\/wp\/v2\/tags?post=93922"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}