{"id":60865,"date":"2024-08-02T16:33:43","date_gmt":"2024-08-02T14:33:43","guid":{"rendered":"https:\/\/www.fondapi.it\/rachat-du-fonds-de-pension\/"},"modified":"2025-11-12T08:43:24","modified_gmt":"2025-11-12T07:43:24","slug":"rachat-du-fonds-de-pension","status":"publish","type":"page","link":"https:\/\/www.fondapi.it\/fr\/comment-ca-fonctionne\/adhesion-des-travailleurs\/rachat-du-fonds-de-pension\/","title":{"rendered":"Rachat du fonds de pension"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"60865\" class=\"elementor elementor-60865 elementor-57015\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-66417d7f e-flex e-con-boxed e-con e-parent\" data-id=\"66417d7f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-312fe3cf e-flex e-con-boxed e-con e-child\" data-id=\"312fe3cf\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1a62d007 elementor-widget elementor-widget-jet-breadcrumbs\" data-id=\"1a62d007\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jet-breadcrumbs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-jet-breadcrumbs jet-blocks\">\n\t\t<div class=\"jet-breadcrumbs\">\n\t\t<div class=\"jet-breadcrumbs__content\">\n\t\t<div class=\"jet-breadcrumbs__wrap\"><div class=\"jet-breadcrumbs__item\"><a href=\"https:\/\/www.fondapi.it\/fr\/\" class=\"jet-breadcrumbs__item-link is-home\" rel=\"home\" title=\"Accueil\">Accueil<\/a><\/div>\n\t\t<\/div>\n\t\t<\/div>\n\t\t<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-348a1740 elementor-widget elementor-widget-html\" data-id=\"348a1740\" 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<script>document.addEventListener(\"DOMContentLoaded\", function() {\n  var observer = new MutationObserver(function(mutations) {\n    mutations.forEach(function(mutation) {\n      var link = document.querySelector(\".jet-breadcrumbs__item-link[title='Fondapi']\");\n      if (link) {\n        link.addEventListener(\"click\", function(event) {\n          event.preventDefault();\n        });\n      }\n    });\n  });\n\n  observer.observe(document.body, { childList: true, subtree: true });\n\n  var link = document.querySelector(\".jet-breadcrumbs__item-link[title='Fondapi']\");\n  if (link) {\n    link.addEventListener(\"click\", function(event) {\n      event.preventDefault();\n    });\n  }\n});\n<\/script>\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-27058b32 e-flex e-con-boxed e-con e-child\" data-id=\"27058b32\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-24df5e61 elementor-widget__width-auto elementor-widget elementor-widget-heading\" data-id=\"24df5e61\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">COMMENT \u00c7A FONCTIONNE<\/h6>\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\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-41de3130 e-flex e-con-boxed e-con e-parent\" data-id=\"41de3130\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-2c207b42 e-con-full e-flex e-con e-child\" data-id=\"2c207b42\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7fe4e4d elementor-widget elementor-widget-text-editor\" data-id=\"7fe4e4d\" data-element_type=\"widget\" data-e-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\t\t<p>La question que tout le monde se pose avant d&rsquo;adh\u00e9rer \u00e0 la retraite compl\u00e9mentaire est <em><strong>\u00ab Mais si je veux demander le rachat du fonds de pension avant la retraite, est-ce possible ? \u00bb<\/strong><\/em><\/p><p>La r\u00e9ponse, noir sur blanc, est <strong><em>\u00ab CERTAINEMENT \u00bb<\/em><\/strong>. Ne perdons plus de temps et voyons imm\u00e9diatement quand il est possible de demander le rachat du fonds de pension. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-94826e8 elementor-widget elementor-widget-heading\" data-id=\"94826e8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Rachat du fonds de pension : l'ABC<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-037ab35 elementor-widget elementor-widget-text-editor\" data-id=\"037ab35\" data-element_type=\"widget\" data-e-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\t\t<p>Commen\u00e7ons par les bases. Chez Fondapi, si nous d\u00e9cidons d&rsquo;adh\u00e9rer, <strong>nous versons notre indemnit\u00e9 de fin de carri\u00e8re<\/strong> plus une \u00e9ventuelle <strong>cotisation volontaire<\/strong> qui <strong>donne droit \u00e0 la contribution de l&rsquo;entreprise<\/strong>. <\/p><p><strong>Le c\u0153ur de tout le syst\u00e8me reste, cependant, l&rsquo;indemnit\u00e9 de fin de carri\u00e8re.<\/strong><\/p><p>Si l&rsquo;indemnit\u00e9 de fin de carri\u00e8re reste dans l&rsquo;entreprise, comme nous le savons, celle-ci <strong>est liquid\u00e9e<\/strong> par l&rsquo;entreprise elle-m\u00eame lorsque <strong>le contrat de travail prend fin.<\/strong><\/p><p><strong>Si je la verse \u00e0 Fondapi, la logique ne change pas<\/strong>. Lorsque la relation de travail est interrompue (licenciement, d\u00e9mission, etc.), je peux demander la liquidation de toute l&rsquo;indemnit\u00e9 de fin de carri\u00e8re vers\u00e9e au Fonds, de toutes les cotisations volontaires \u00e9ventuelles et de toutes les contributions \u00e9ventuelles de l&rsquo;entreprise. <br>Il s&rsquo;agit du <g id=\"gid_1\">rachat avant la retraite<\/g>. Examinons cela en d\u00e9tail.  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e5c5508 elementor-widget elementor-widget-button\" data-id=\"e5c5508\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.fondapi.it\/fr\/comment-ca-fonctionne\/adhesion-des-travailleurs\/rachat-du-fonds-de-pension\/rachats-et-prestation-de-retraite\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Demandez le rachat en ligne<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-537eeabe e-con-full e-flex e-con e-child\" data-id=\"537eeabe\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1f66d401 elementor-widget elementor-widget-image\" data-id=\"1f66d401\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1335\" height=\"2000\" src=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/riscatto.webp\" class=\"attachment-full size-full wp-image-60741\" alt=\"\" srcset=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/riscatto.webp 1335w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/riscatto-200x300.webp 200w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/riscatto-684x1024.webp 684w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/riscatto-768x1151.webp 768w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/riscatto-1025x1536.webp 1025w\" sizes=\"(max-width: 1335px) 100vw, 1335px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\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-3933a29 e-con-full e-flex e-con e-parent\" data-id=\"3933a29\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-903faaa elementor-hidden-mobile e-con-full e-flex e-con e-child\" data-id=\"903faaa\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8f886b1 e-flex e-con-boxed e-con e-parent\" data-id=\"8f886b1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6b3cc46 e-con-full e-flex e-con e-child\" data-id=\"6b3cc46\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-82dee71 e-con-full e-flex e-con e-child\" data-id=\"82dee71\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d0a37dd elementor-widget elementor-widget-heading\" data-id=\"d0a37dd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Rachat du fonds de pension avant la retraite<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d63699c elementor-widget elementor-widget-jet-accordion\" data-id=\"d63699c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jet-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"jet-accordion\" data-settings=\"{&quot;collapsible&quot;:false,&quot;ajaxTemplate&quot;:false,&quot;switchScrolling&quot;:false,&quot;switchScrollingTablet&quot;:false,&quot;switchScrollingMobile&quot;:false,&quot;switchScrollingOffset&quot;:{&quot;size&quot;:0,&quot;unit&quot;:&quot;px&quot;},&quot;switchScrollingOffsetTablet&quot;:{&quot;size&quot;:0,&quot;unit&quot;:&quot;px&quot;},&quot;switchScrollingOffsetMobile&quot;:{&quot;size&quot;:0,&quot;unit&quot;:&quot;px&quot;},&quot;switchScrollingDelay&quot;:500,&quot;switchScrollingDelayTablet&quot;:500,&quot;switchScrollingDelayMobile&quot;:500}\">\n\t\t\t<div class=\"jet-accordion__inner\">\n\t\t\t\t<div class=\" jet-accordion__item jet-toggle jet-toggle-move-up-effect \">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-2241\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"1\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-2241\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-left\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><\/div><div class=\"jet-toggle__label-text\">Il est possible de le demander pour les motifs suivants :<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-2241\" class=\"jet-toggle__content\" data-toggle=\"1\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\"><ul>\n<li>Licenciement<\/li>\n<li>D\u00e9mission<\/li>\n<li>Fin de contrat \u00e0 dur\u00e9e d\u00e9termin\u00e9e<\/li>\n<li>Nomination comme cadre dirigeant<\/li>\n<li>Modification de la convention collective appliqu\u00e9e par l&rsquo;entreprise<\/li>\n<\/ul>\n<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\" jet-accordion__item jet-toggle jet-toggle-move-up-effect \">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-2242\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"2\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-2242\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-left\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><\/div><div class=\"jet-toggle__label-text\">Vous pouvez demander :<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-2242\" class=\"jet-toggle__content\" data-toggle=\"2\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\"><ul>\n<li>Le <strong>100 % :<\/strong><br \/>de cette fa\u00e7on, je mets fin compl\u00e8tement \u00e0 la relation avec Fondapi<\/li>\n<li>Les <strong>80 % :<\/strong><br \/>Permet de maintenir active la relation avec Fondapi tout en rachetant la quasi-totalit\u00e9 des sommes.<br \/>Nous conseillons son utilisation uniquement dans certains cas particuliers (par exemple, lorsque l&rsquo;entreprise n&rsquo;a pas compl\u00e9t\u00e9 tous les versements en faveur de l&rsquo;adh\u00e9rent)<\/li>\n<\/ul>\n<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\" jet-accordion__item jet-toggle jet-toggle-move-up-effect \">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-2243\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"3\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-2243\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-left\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><\/div><div class=\"jet-toggle__label-text\">Avec quelle imposition ?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-2243\" class=\"jet-toggle__content\" data-toggle=\"3\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\"><p><strong>23 % fixe<\/strong> de taux d&rsquo;IRPEF<br \/>Donc le taux de base minimum. En entreprise, il commence en revanche \u00e0 23 % et augmente selon le montant de l&rsquo;indemnit\u00e9 de fin de carri\u00e8re. <\/p>\n<p><a href=\"https:\/\/www.fondapi.it\/fr\/rachat-du-fonds-de-pension\/schema-des-impositions-appliquees-aux-prestations\/\"><strong>CONSULTEZ LE SCH\u00c9MA D\u00c9TAILL\u00c9<\/strong><\/a><\/p>\n<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\" jet-accordion__item jet-toggle jet-toggle-move-up-effect \">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-2244\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"4\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-2244\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-left\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><\/div><div class=\"jet-toggle__label-text\">Y a-t-il des p\u00e9nalit\u00e9s ?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-2244\" class=\"jet-toggle__content\" data-toggle=\"4\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\"><p>Non. Fondapi applique uniquement un <strong>co\u00fbt de cl\u00f4ture du Fonds de 25 \u20ac.<\/strong> <\/p>\n<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\" jet-accordion__item jet-toggle jet-toggle-move-up-effect \">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-2245\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"5\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-2245\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-left\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><\/div><div class=\"jet-toggle__label-text\">Ce que vous devez communiquer<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-2245\" class=\"jet-toggle__content\" data-toggle=\"5\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\"><p>Vous ou votre entreprise devez communiquer uniquement le motif pour lequel vous avez perdu les conditions de participation \u00e0 Fondapi (<em>voir les motifs ci-dessus<\/em>)<\/p>\n<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-74e4e81 elementor-widget elementor-widget-heading\" data-id=\"74e4e81\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Pourquoi ce type de rachat est-il pr\u00e9vu ?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1d49af0 elementor-widget elementor-widget-text-editor\" data-id=\"1d49af0\" data-element_type=\"widget\" data-e-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\t\t<p>Tout ceci est possible car, rappelons-le, <strong>Fondapi est un fonds de pension n\u00e9goci\u00e9<\/strong>, donc, <strong>l&rsquo;adh\u00e9sion et le maintien dans le Fonds sont li\u00e9s \u00e0 la convention collective qui les a rendus possibles<\/strong>. Si la convention collective change, ou plus simplement si la relation de travail est interrompue et donc se termine, l&rsquo;adh\u00e9rent perd les conditions de participation et a la possibilit\u00e9 de demander le rachat total. <\/p><p><strong>Rappelons que c&rsquo;est une facult\u00e9 de l&rsquo;adh\u00e9rent et non une obligation<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-04071f6 elementor-widget elementor-widget-button\" data-id=\"04071f6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.fondapi.it\/fr\/comment-ca-fonctionne\/adhesion-des-travailleurs\/rachat-du-fonds-de-pension\/rachats-et-prestation-de-retraite\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Demandez le rachat en ligne<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\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-b5943bd e-con-full e-flex e-con e-parent\" data-id=\"b5943bd\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-8b004d0 elementor-hidden-mobile e-con-full e-flex e-con e-child\" data-id=\"8b004d0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-13e44f4 e-flex e-con-boxed e-con e-parent\" data-id=\"13e44f4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-651e4a3 e-con-full e-flex e-con e-child\" data-id=\"651e4a3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-f9c4eaa e-con-full e-flex e-con e-child\" data-id=\"f9c4eaa\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b56dc64 elementor-widget elementor-widget-heading\" data-id=\"b56dc64\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Rachat pour d\u00e9part \u00e0 la retraite<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a2f1f10 elementor-widget elementor-widget-text-editor\" data-id=\"a2f1f10\" data-element_type=\"widget\" data-e-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\t\t<p>Voyons maintenant ce qui se passe si nous amenons le fonds de pension \u00e0 son \u00e9ch\u00e9ance naturelle : <strong>la retraite<\/strong>.<\/p><p>\u00c9videmment, vous pouvez demander la liquidation de tout ce que vous avez accumul\u00e9 au cours de votre carri\u00e8re. Dans ce cas \u00e9galement, toutes les cotisations sont liquid\u00e9es, personnelles et de l&rsquo;entreprise, en plus de l&rsquo;indemnit\u00e9 de fin de carri\u00e8re et des rendements \u00e9ventuels. <\/p><p>La <strong>diff\u00e9rence fondamentale<\/strong>, probablement <strong>le plus grand avantage<\/strong> que la retraite compl\u00e9mentaire peut offrir \u00e0 ses adh\u00e9rents, est la <strong>fiscalit\u00e9 favorable pr\u00e9vue pour ce type de rachat<\/strong> du fonds de pension. <strong>Sensiblement plus basse<\/strong> par rapport \u00e0 la liquidation de l&rsquo;indemnit\u00e9 de fin de carri\u00e8re par l&rsquo;entreprise.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8c20fc1 elementor-widget elementor-widget-button\" data-id=\"8c20fc1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.fondapi.it\/fr\/comment-ca-fonctionne\/adhesion-des-travailleurs\/rachat-du-fonds-de-pension\/rachats-et-prestation-de-retraite\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Demandez le rachat en ligne<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0fda99e e-con-full e-flex e-con e-child\" data-id=\"0fda99e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f3be6f0 elementor-widget elementor-widget-heading\" data-id=\"f3be6f0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Rachat du fonds de pension pour d\u00e9part \u00e0 la retraite<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-835b699 elementor-widget elementor-widget-jet-accordion\" data-id=\"835b699\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jet-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"jet-accordion\" data-settings=\"{&quot;collapsible&quot;:false,&quot;ajaxTemplate&quot;:false,&quot;switchScrolling&quot;:false,&quot;switchScrollingTablet&quot;:false,&quot;switchScrollingMobile&quot;:false,&quot;switchScrollingOffset&quot;:{&quot;size&quot;:0,&quot;unit&quot;:&quot;px&quot;},&quot;switchScrollingOffsetTablet&quot;:{&quot;size&quot;:0,&quot;unit&quot;:&quot;px&quot;},&quot;switchScrollingOffsetMobile&quot;:{&quot;size&quot;:0,&quot;unit&quot;:&quot;px&quot;},&quot;switchScrollingDelay&quot;:500,&quot;switchScrollingDelayTablet&quot;:500,&quot;switchScrollingDelayMobile&quot;:500}\">\n\t\t\t<div class=\"jet-accordion__inner\">\n\t\t\t\t<div class=\" jet-accordion__item jet-toggle jet-toggle-move-up-effect \">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-1371\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"1\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-1371\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-left\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><\/div><div class=\"jet-toggle__label-text\">Quand puis-je le demander ?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-1371\" class=\"jet-toggle__content\" data-toggle=\"1\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\"><p>Il est possible de le demander lorsque l&rsquo;on atteint les conditions de retraite.<\/p>\n<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\" jet-accordion__item jet-toggle jet-toggle-move-up-effect \">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-1372\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"2\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-1372\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-left\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><\/div><div class=\"jet-toggle__label-text\">On peut demander :<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-1372\" class=\"jet-toggle__content\" data-toggle=\"2\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\"><ul>\n<li>Les <strong>100 %<\/strong> du capital accumul\u00e9 en une seule fois<br \/>si le total de la position ne d\u00e9passe pas le seuil d&rsquo;environ 100 mille \u20ac.<br \/>Le seuil varie selon l&rsquo;\u00e2ge, le genre et l&rsquo;allocation sociale INPS de l&rsquo;ann\u00e9e o\u00f9 la demande est faite. <br \/><a href=\"https:\/\/www.fondapi.it\/come-funziona\/adesione-lavoratori\/riscatto-fondo-pensione\/tabella-soglie-riscatto-per-pensionamento\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>ICI LE TABLEAU AVEC TOUS LES SEUILS.<\/strong><\/a><\/li>\n<li><strong>Au maximum 50 %<\/strong> du capital accumul\u00e9 en une seule fois et les <strong>50 % restants<\/strong> en rente<br \/>si le total de la position d\u00e9passe le seuil d&rsquo;environ 100 mille \u20ac.<br \/><a href=\"https:\/\/www.fondapi.it\/fr\/rachat-du-fonds-de-pension\/prestation-de-retraite-sous-forme-de-rente\/\"><strong>D\u00c9COUVREZ LA PRESTATION DE RETRAITE EN RENTE<\/strong><\/a><\/li>\n<\/ul>\n<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\" jet-accordion__item jet-toggle jet-toggle-move-up-effect \">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-1373\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"3\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-1373\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-left\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><\/div><div class=\"jet-toggle__label-text\">Quelle imposition est appliqu\u00e9e au rachat du fonds de pension pour d\u00e9part \u00e0 la retraite ?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-1373\" class=\"jet-toggle__content\" data-toggle=\"3\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\"><p>Avec l&rsquo;imposition super avantageuse du maximum 15 % qui peut descendre jusqu&rsquo;\u00e0 9 % (taux d&rsquo;IRPEF substitutif et d\u00e9finitif)<br \/>De plus, <strong>si l&rsquo;adh\u00e9rent est inscrit depuis plus de 15 ans<\/strong> \u00e0 la retraite compl\u00e9mentaire (donc dans le calcul sont consid\u00e9r\u00e9es aussi les \u00e9ventuelles inscriptions pr\u00e9c\u00e9dentes \u00e0 Fondapi) pour chaque ann\u00e9e apr\u00e8s la quinzi\u00e8me le fisc accorde une <strong>r\u00e9duction sur le taux appliqu\u00e9<\/strong> de 0,3 %.<\/p>\n<p><em>Ex. si j&rsquo;ai <strong>20 ans<\/strong> d&rsquo;inscription \u00e0 la retraite compl\u00e9mentaire et je pars \u00e0 la retraite, j&rsquo;ai le droit et l&rsquo;avantage d&rsquo;une imposition encore plus avantageuse \u00e9gale \u00e0 <strong>13,5 %<\/strong> (15 % \u2013 (0,3 % x 5 ans))<br \/>Si nous \u00e9tendons ce raisonnement sur un horizon de <strong>35 ans<\/strong> d&rsquo;inscription, nous arrivons \u00e0 l&rsquo;imposition minimale de <strong>9 %<br \/><\/strong><\/em><\/p>\n<p><a href=\"https:\/\/www.fondapi.it\/fr\/rachat-du-fonds-de-pension\/schema-des-impositions-appliquees-aux-prestations\/\"><strong>CONSULTEZ LE SCH\u00c9MA D\u00c9TAILL\u00c9<\/strong><\/a><\/p>\n<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\" jet-accordion__item jet-toggle jet-toggle-move-up-effect \">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-1374\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"4\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-1374\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-left\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><\/div><div class=\"jet-toggle__label-text\">Y a-t-il des p\u00e9nalit\u00e9s ou des co\u00fbts ?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-1374\" class=\"jet-toggle__content\" data-toggle=\"4\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\"><p>Uniquement le co\u00fbt de cl\u00f4ture du Fonds de 25 \u20ac<\/p>\n<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\" jet-accordion__item jet-toggle jet-toggle-move-up-effect \">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-1375\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"5\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-1375\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-left\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><\/div><div class=\"jet-toggle__label-text\">Que devez-vous communiquer ?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-1375\" class=\"jet-toggle__content\" data-toggle=\"5\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\"><ul>\n<li>L&rsquo;entreprise doit communiquer l&rsquo;interruption de la relation de travail pour d\u00e9part \u00e0 la retraite ;<\/li>\n<li>Vous devez joindre \u00e0 la demande la <strong>certification de l&rsquo;INPS (<em><a href=\"https:\/\/www.inps.it\/bussola\/visualizzadoc.aspx?svirtualurl=%2Fcircolari%2Fcircolare%20numero%2037%20del%2011-2-1984.htm\" target=\"_blank\" rel=\"noreferrer noopener\">formulaire TE 08<\/a><\/em>)<\/strong> qui atteste votre statut de retrait\u00e9<\/li>\n<\/ul>\n<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fbb0311 elementor-widget elementor-widget-heading\" data-id=\"fbb0311\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Prenons un exemple d'imposition pour le rachat du fonds de pension pour d\u00e9part \u00e0 la retraite<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e4e6693 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"e4e6693\" data-element_type=\"widget\" data-e-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\t\t<p>Travailleur avec <strong>35 ans d&rsquo;anciennet\u00e9 professionnelle<\/strong> et <strong>d&rsquo;inscription \u00e0 la retraite compl\u00e9mentaire<\/strong>.<\/p><p>Une indemnit\u00e9 de fin de carri\u00e8re accumul\u00e9e \u00e9gale \u00e0 <strong>85 000<\/strong> \u20ac<\/p><p>Imposition en entreprise : 85 000 \u20ac x <strong>24,36 %<\/strong> (IRPEF) = <strong>20 708 \u20ac d&rsquo;imp\u00f4t<\/strong>.<\/p><p>L&rsquo;indemnit\u00e9 de fin de carri\u00e8re nette qui est donc effectivement vers\u00e9e au retrait\u00e9 est de 64 292 \u20ac<\/p><p>Imposition avec le fonds de pension : 85 000 \u20ac x 9 % (IRPEF) = <strong>7 650 \u20ac d&rsquo;imp\u00f4t.<\/strong><\/p><p>L&rsquo;indemnit\u00e9 de fin de carri\u00e8re nette qui est donc effectivement vers\u00e9e au retrait\u00e9 est de 77 350 \u20ac<\/p><p><strong>Le travailleur qui a choisi il y a 35 ans de cotiser \u00e0 Fondapi a \u00e9conomis\u00e9 bien 13 MILLE EUROS d&rsquo;imp\u00f4ts (IRPEF)<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-75a9779 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"75a9779\" data-element_type=\"widget\" data-e-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\t\t<p>Sur <strong><a href=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/08\/SCHEMA-TASSAZIONE-PRESTAZIONI.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">ce document<\/a><\/strong>, il est \u00e9galement possible de consulter le sch\u00e9ma de tous les types de rachat qu&rsquo;il est possible de demander \u00e0 Fondapi.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\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-5508ae98 e-con-full e-flex e-con e-child\" data-id=\"5508ae98\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5503a710 elementor-widget elementor-widget-heading\" data-id=\"5503a710\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Vous avez encore des doutes ?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ca7598b elementor-widget elementor-widget-text-editor\" data-id=\"ca7598b\" data-element_type=\"widget\" data-e-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\t\t<p>R\u00e9servez un conseil t\u00e9l\u00e9phonique enti\u00e8rement gratuit et sans engagement ou envoyez un e-mail pour clarifier tout doute.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-615acfb3 e-con-full e-flex e-con e-child\" data-id=\"615acfb3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6864ffa1 elementor-widget elementor-widget-button\" data-id=\"6864ffa1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/forms.office.com\/e\/3TMS2B7AMy\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Parlez \u00e0 un expert<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7865244f elementor-widget elementor-widget-button\" data-id=\"7865244f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/form.jotform.com\/232203763321344\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Envoyez un e-mail<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\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>Home COMMENT \u00c7A FONCTIONNE La question que tout le monde se pose avant d&rsquo;adh\u00e9rer \u00e0 la retraite compl\u00e9mentaire est \u00ab Mais si je veux demander le rachat du fonds de pension avant la retraite, est-ce possible ? \u00bb La r\u00e9ponse, noir sur blanc, est \u00ab CERTAINEMENT \u00bb. Ne perdons plus de temps et voyons imm\u00e9diatement [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":61091,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-60865","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Rachat du fonds de pension - Fondapi<\/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:\/\/www.fondapi.it\/fr\/comment-ca-fonctionne\/adhesion-des-travailleurs\/rachat-du-fonds-de-pension\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Rachat du fonds de pension - Fondapi\" \/>\n<meta property=\"og:description\" content=\"Home COMMENT \u00c7A FONCTIONNE La question que tout le monde se pose avant d&rsquo;adh\u00e9rer \u00e0 la retraite compl\u00e9mentaire est \u00ab Mais si je veux demander le rachat du fonds de pension avant la retraite, est-ce possible ? \u00bb La r\u00e9ponse, noir sur blanc, est \u00ab CERTAINEMENT \u00bb. 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