{"id":3870,"date":"2025-10-03T07:04:14","date_gmt":"2025-10-03T07:04:14","guid":{"rendered":"https:\/\/avefi.com\/?p=3870"},"modified":"2025-10-03T07:04:53","modified_gmt":"2025-10-03T07:04:53","slug":"retraite-progressive-cest-pour-qui","status":"publish","type":"post","link":"https:\/\/avefi.com\/?p=3870","title":{"rendered":"Retraite Progressive : C&rsquo;est pour qui?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"3870\" class=\"elementor elementor-3870\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-156cbf5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"156cbf5\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-60b21df\" data-id=\"60b21df\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-dfd4420 elementor-widget elementor-widget-html\" data-id=\"dfd4420\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<!DOCTYPE html>\r\n<html lang=\"fr\">\r\n<head>\r\n  <meta charset=\"UTF-8\">\r\n  <title>Newsletter Avefi - Cumul emploi-retraite<\/title>\r\n  <style>\r\n    body {\r\n      font-family: 'Segoe UI', sans-serif;\r\n      background-color: #ffffff;\r\n      color: #333;\r\n      margin: 0;\r\n      padding: 0;\r\n    }\r\n    .container {\r\n      max-width: 700px;\r\n      margin: auto;\r\n      padding: 20px;\r\n    }\r\n    .header {\r\n      text-align: center;\r\n      padding: 20px 0;\r\n    }\r\n    .header img {\r\n      max-width: 200px;\r\n    }\r\n    h1 {\r\n      color: #0c2340;\r\n      font-size: 26px;\r\n      border-bottom: 2px solid #FF6600;\r\n      padding-bottom: 10px;\r\n    }\r\n    h2 {\r\n      color: #FF6600;\r\n      margin-top: 30px;\r\n    }\r\n    h3 {\r\n      color: #0c2340;\r\n      margin-top: 20px;\r\n    }\r\n    p {\r\n      line-height: 1.6;\r\n      margin: 10px 0;\r\n    }\r\n    ul {\r\n      margin: 10px 0 10px 20px;\r\n    }\r\n    .highlight {\r\n      background-color: #fff5e6;\r\n      border-left: 5px solid #FF6600;\r\n      padding: 10px 15px;\r\n      margin: 20px 0;\r\n      border-radius: 5px;\r\n    }\r\n    .footer {\r\n      font-size: 13px;\r\n      color: #666;\r\n      margin-top: 40px;\r\n      border-top: 1px solid #ccc;\r\n      padding-top: 20px;\r\n    }\r\n    .contact-box {\r\n      background-color: #f8f8f8;\r\n      border-left: 5px solid #FF6600;\r\n      padding: 15px;\r\n      margin-top: 30px;\r\n      border-radius: 5px;\r\n    }\r\n    a {\r\n      color: #FF6600;\r\n      text-decoration: none;\r\n    }\r\n  <\/style>\r\n<\/head>\r\n<body>\r\n  <div class=\"container\">\r\n    <div class=\"header\">\r\n      <img decoding=\"async\" src=\"http:\/\/avefi.com\/wp-content\/uploads\/2018\/06\/cropped-Capture-d\u2019\u00e9cran-2018-06-15-\u00e0-10.19.23.png\" alt=\"Logo AVEFI\">\r\n    <\/div>\r\n\r\n    <h1>\ud83e\uddd3 Cumul revenus d'activit\u00e9 et pension de retraite : ce qu'il faut savoir<\/h1>\r\n\r\n    <p><strong>Mise \u00e0 jour juillet 2025 :<\/strong> L'\u00e2ge minimum pour b\u00e9n\u00e9ficier de la retraite progressive est abaiss\u00e9 \u00e0 <strong>60 ans<\/strong> \u00e0 compter du <strong>1er septembre 2025<\/strong>.<\/p>\r\n\r\n    <div class=\"highlight\">\r\n      Deux m\u00e9canismes permettent de combiner travail et pension :<br>\r\n      \ud83d\udd38 <strong>La retraite progressive<\/strong><br>\r\n      \ud83d\udd38 <strong>Le cumul emploi-retraite<\/strong>\r\n    <\/div>\r\n\r\n    <h2>1\ufe0f\u20e3 Retraite progressive<\/h2>\r\n\r\n    <h3>\ud83d\udd27 M\u00e9canisme<\/h3>\r\n    <p>Permet de continuer \u00e0 travailler \u00e0 temps partiel tout en percevant une <strong>partie de sa pension de retraite<\/strong>.<\/p>\r\n\r\n    <h3>\ud83d\udccb Conditions<\/h3>\r\n    <ul>\r\n      <li>\u00c0 partir de <strong>60 ans<\/strong> (au lieu de 62) et avec <strong>150 trimestres<\/strong> valid\u00e9s tous r\u00e9gimes confondus<\/li>\r\n      <li>Salari\u00e9s : activit\u00e9 \u00e0 temps partiel entre <strong>40 % et 80 %<\/strong><\/li>\r\n      <li>Non-salari\u00e9s : baisse des revenus entre <strong>20 % et 60 %<\/strong><\/li>\r\n      <li>Agriculteurs : r\u00e9duction de surface exploit\u00e9e<\/li>\r\n    <\/ul>\r\n\r\n    <h3>\ud83d\udcb0 Calcul de la pension partielle<\/h3>\r\n    <p>Un <strong>coefficient de fractionnement<\/strong> est appliqu\u00e9 :<\/p>\r\n    <ul>\r\n      <li><strong>Salari\u00e9s :<\/strong> (100 % - taux temps partiel)<\/li>\r\n      <li><strong>Exploitants agricoles :<\/strong> proportion de surface c\u00e9d\u00e9e<\/li>\r\n      <li><strong>Ind\u00e9pendants :<\/strong> proportion de revenu r\u00e9duit<\/li>\r\n    <\/ul>\r\n\r\n    <h3>\ud83c\udfaf Effets<\/h3>\r\n    <ul>\r\n      <li>G\u00e9n\u00e8re <strong>de nouveaux droits \u00e0 retraite<\/strong><\/li>\r\n      <li>Permet une <strong>transition en douceur<\/strong><\/li>\r\n      <li>Incompatible avec <strong>ASPA et ASI<\/strong><\/li>\r\n    <\/ul>\r\n\r\n    <h2>2\ufe0f\u20e3 Cumul emploi-retraite<\/h2>\r\n\r\n    <h3>\ud83d\udd27 M\u00e9canisme<\/h3>\r\n    <p>Permet de percevoir <strong>100 % de sa pension de retraite<\/strong> tout en exer\u00e7ant une activit\u00e9 r\u00e9mun\u00e9r\u00e9e.<\/p>\r\n\r\n    <h3>\ud83d\udccb Conditions<\/h3>\r\n    <p><strong>Deux r\u00e9gimes existent :<\/strong><\/p>\r\n\r\n    <h4>Cumul int\u00e9gral :<\/h4>\r\n    <ul>\r\n      <li>Cessation effective de l'activit\u00e9<\/li>\r\n      <li>Liquidation de <strong>toutes les pensions obligatoires<\/strong> (FR et \u00e9trang\u00e8res)<\/li>\r\n      <li>Atteinte de l\u2019\u00e2ge l\u00e9gal avec <strong>taux plein<\/strong> OU \u00e2ge de la fin de d\u00e9cote<\/li>\r\n    <\/ul>\r\n\r\n    <h4>Cumul limit\u00e9 :<\/h4>\r\n    <ul>\r\n      <li>Cessation d'activit\u00e9 obligatoire<\/li>\r\n      <li><strong>Conditions de ressources<\/strong><\/li>\r\n      <li>D\u00e9lai de <strong>6 mois<\/strong> si reprise d\u2019activit\u00e9 chez l\u2019ancien employeur (salari\u00e9s du r\u00e9gime g\u00e9n\u00e9ral, MSA, r\u00e9gimes sp\u00e9ciaux hors fonction publique)<\/li>\r\n    <\/ul>\r\n\r\n    <div class=\"highlight\">\r\n      <strong>Cas particulier :<\/strong><br>\r\n      Les professionnels de sant\u00e9 (m\u00e9decins, infirmiers...) exer\u00e7ant dans un <strong>d\u00e9sert m\u00e9dical<\/strong> peuvent b\u00e9n\u00e9ficier d\u2019un cumul <strong>int\u00e9gral imm\u00e9diat<\/strong>, sans carence.\r\n    <\/div>\r\n\r\n    <h3>\ud83c\udfaf Effets<\/h3>\r\n    <ul>\r\n      <li>Maintenir un revenu d\u2019activit\u00e9 compl\u00e9mentaire \u00e0 la retraite<\/li>\r\n      <li>Faire face aux r\u00e9formes et \u00e0 l\u2019inflation<\/li>\r\n      <li><strong>Acquisition de nouveaux droits<\/strong> pour les retraites liquid\u00e9es apr\u00e8s le 1er septembre 2023<\/li>\r\n    <\/ul>\r\n\r\n    <h2>\ud83d\udca1 Le conseil d'Avefi<\/h2>\r\n    <p>\r\n      <strong>Ces dispositifs m\u00e9ritent d\u2019\u00eatre optimis\u00e9s selon votre situation personnelle :<\/strong><br>\r\n      \u00e2ge, statut professionnel, objectifs de transmission ou de revenus. Contactez-nous pour r\u00e9aliser une \u00e9tude personnalis\u00e9e et \u00e9valuer l\u2019opportunit\u00e9 du cumul activit\u00e9 \/ retraite dans votre strat\u00e9gie patrimoniale.\r\n    <\/p>\r\n\r\n    <div class=\"contact-box\">\r\n      <strong>AVEFI - Conseil en Gestion de Patrimoine<\/strong><br>\r\n      \ud83d\udccd 18 bis rue Am\u00e9lie, 75007 Paris<br>\r\n      \ud83d\ude87 M\u00e9tro : La Tour-Maubourg (Ligne 8) \u2013 RER C : Invalides<br>\r\n      \ud83d\udcde T\u00e9l. : 01 77 13 78 35<br>\r\n      \ud83d\udce9 Email : <a href=\"mailto:contact@avefi.com\">contact@avefi.com<\/a> | <a href=\"mailto:gestion@avefi.com\">gestion@avefi.com<\/a><br>\r\n      \ud83c\udf10 Site : <a href=\"http:\/\/www.avefi.com\">www.avefi.com<\/a>\r\n    <\/div>\r\n\r\n    <div class=\"footer\">\r\n      <p><strong>Mentions l\u00e9gales :<\/strong> Ce document est une publication \u00e0 caract\u00e8re informatif et publicitaire. Il ne constitue pas un conseil personnalis\u00e9.<\/p>\r\n      <p><strong>Attention :<\/strong> Investir comporte des risques. Les performances pass\u00e9es ne pr\u00e9jugent pas des performances futures. Il est essentiel de bien comprendre les caract\u00e9ristiques des produits avant d\u2019investir.<\/p>\r\n      <p>\ud83d\udce9 Pour vous d\u00e9sabonner : <a href=\"mailto:contact@avefi.com?subject=D\u00e9sabonnement Newsletter\">contact@avefi.com<\/a><\/p>\r\n    <\/div>\r\n  <\/div>\r\n<\/body>\r\n<\/html>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-3870","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/avefi.com\/index.php?rest_route=\/wp\/v2\/posts\/3870","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/avefi.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/avefi.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/avefi.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/avefi.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=3870"}],"version-history":[{"count":3,"href":"https:\/\/avefi.com\/index.php?rest_route=\/wp\/v2\/posts\/3870\/revisions"}],"predecessor-version":[{"id":3873,"href":"https:\/\/avefi.com\/index.php?rest_route=\/wp\/v2\/posts\/3870\/revisions\/3873"}],"wp:attachment":[{"href":"https:\/\/avefi.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=3870"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/avefi.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=3870"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/avefi.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=3870"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}