{"id":29302,"date":"2013-09-26T20:00:00","date_gmt":"2013-09-27T04:00:00","guid":{"rendered":"https:\/\/frenchdistrict.com\/californie-sud\/articles\/systeme-retraite-etats-unis-infos-expatries\/"},"modified":"2020-11-12T11:18:00","modified_gmt":"2020-11-12T19:18:00","slug":"systeme-retraite-etats-unis-infos-expatries","status":"publish","type":"post","link":"https:\/\/frenchdistrict.com\/californie-sud\/articles\/systeme-retraite-etats-unis-infos-expatries\/","title":{"rendered":"Le syst\u00e8me de retraite aux \u00c9tats-Unis"},"content":{"rendered":"<h2>Le cumul des retraites fran\u00e7aises et am\u00e9ricaines<\/h2>\n<p>Vous avez travaill\u00e9 et cotis\u00e9 en France mais maintenant vous r\u00e9sidez aux \u00c9tats-Unis et il convient d&#8217;\u00e9tudier le <strong>syst\u00e8me de retraite am\u00e9ricain<\/strong>. Sachez que vos droits acquis en France et aux \u00c9tats-Unis b\u00e9n\u00e9ficient d&#8217;une <strong>convention bilat\u00e9rale de S\u00e9curit\u00e9 Sociale<\/strong> vous permettant de faire reconnaitre vos annuit\u00e9s dans les deux syst\u00e8mes et de <strong>cumuler les droits des 2 syst\u00e8mes de retraite<\/strong>.<\/p>\n<p>Sachez aussi\u00a0que les\u00a0<strong>conseillers retraite d\u2019Expertise et Optimisation Retraite<\/strong> peuvent vous accompagner pour un calcul retraite, bilan retraite et des infos sur votre situation et accomplir les d\u00e9marches n\u00e9cessaires aupr\u00e8s des administrations pour prendre sa retraite car la retraite d\u2019expatri\u00e9 est une affaire complexe.<\/p>\n<h2>R\u00e9partition ou capitalisation\u00a0?<\/h2>\n<h3>Mettre de c\u00f4t\u00e9 pour les retrait\u00e9s\u00a0d&#8217;aujourd&#8217;hui : la r\u00e9partition<\/h3>\n\r\n\t<div class=\"sponsor__article sponsor__article--left\">\r\n\t\t<div class=\"inner\">\r\n\t\t\t<div class=\"sponsor__by\">Pr&eacute;sent&eacute; par...<\/div>\r\n\t\t\t<div>\r\n\t\t\t\t<a href=\"https:\/\/frenchdistrict.com\/presentez-entreprise\/\" target=\"_blank\">\r\n\t\t\t\t<div class=\"sponsor__illus\"><img decoding=\"async\" src=\"https:\/\/frenchdistrict.com\/californie-sud\/wp-content\/uploads\/sites\/5\/2024\/05\/french-district-referencez-entreprise_9145233.png\" alt=\"French District\" \/><\/div>\r\n\t\t\t\t<div class=\"sponsor__content\">\r\n\t\t\t\t\t<p class=\"sponsor__title\">French District<\/p>\r\n\t\t\t\t\t<div class=\"sponsor__slogan\">French District : Le lien entre les entreprises et les expatri\u00e9s.<\/div>\r\n\t\t\t\t\t<div class=\"vce-button vce-button--small\" style=\"background-color: #444444;\"><i class=\"fa fa-hand-o-right\" aria-hidden=\"true\">&nbsp;<\/i>French District<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<\/a>\r\n\t\t\t<\/div>\t\t\r\n\t\t<\/div>\r\n\t<\/div>Le <strong>syst\u00e8me de retraite<\/strong> par <strong>r\u00e9partition<\/strong> ob\u00e9it \u00e0 une r\u00e8gle simple\u00a0: les travailleurs d&#8217;aujourd&#8217;hui financent le syst\u00e8me de retraite actuel, donc les salari\u00e9s financent les pensions des retrait\u00e9s.<\/p>\n<p>L\u2019\u00e9quilibre de cette <strong>solidarit\u00e9 interg\u00e9n\u00e9rationnelle<\/strong> repose alors sur une bonne proportion entre le nombre de cotisants et le nombre de retrait\u00e9s (donc sur le pourcentage de la population qui est active) mais \u00e9galement sur la croissance globale du pays.<br \/>\nLa plupart des pays d\u2019Europe, dont la France, utilisent un syst\u00e8me de retraite par r\u00e9partition.<\/p>\n<h3>Mettre de c\u00f4t\u00e9 aujourd\u2019hui pour sa propre retraite : la capitalisation<\/h3>\n<p>Le syst\u00e8me de retraite par <strong>capitalisation<\/strong> implique que chaque travailleur mette de c\u00f4t\u00e9 pour sa propre retraite.<br \/>\nL\u2019argent r\u00e9colt\u00e9 est ensuite plac\u00e9 et le taux d\u2019int\u00e9r\u00eat d\u00e9termine la somme finale. La capitalisation est effectu\u00e9e individuellement (les fonds sont plac\u00e9s sur un <strong>compte bancaire<\/strong> ou investis dans de l\u2019immobilier\u2026), ou confi\u00e9e \u00e0 un gestionnaire (<strong>fond de placement<\/strong>, <strong>fond de pension<\/strong>\u2026).<\/p>\n<h3>Au milieu : le syst\u00e8me am\u00e9ricain &#8211;\u00a0<em>Pay as you go<\/em><\/h3>\n<p>Le syst\u00e8me est mixte\u00a0: \u00ab\u00a0<strong><em>pay as you go<\/em><\/strong>\u00a0\u00bb, c&#8217;est \u00e0 dire qu&#8217;il utilise le principe de la r\u00e9partition pour le r\u00e9gime de base fourni par la Social Security, et celui de la capitalisation concernant les fonds de pension professionnels auxquels les travailleurs peuvent \u00e9galement souscrire.<\/p>\n<h2>Le r\u00e9gime de base\u00a0: la Social Security<\/h2>\n<h3>Le Social Security Act de 1935 et la mise en place de l\u2019OASI<\/h3>\n<p>Depuis 1935 et le <em>Social Security Act<\/em> de Franklin Roosevelt, les Am\u00e9ricains sont prot\u00e9g\u00e9s par un r\u00e9gime de base appel\u00e9 l\u2019OASI \u2013 le \u00ab\u00a0<em>Old Age Survivor Insurance<\/em>\u00a0\u00bb. Ce syst\u00e8me couvre aujourd\u2019hui environ 96% de la population.<\/p>\n<p>Ce syst\u00e8me \u00ab\u00a0<em>pay as you go<\/em>\u00a0\u00bb, ou \u00ab\u00a0<em>pay as you earn<\/em>\u00a0\u00bb est simple\u00a0: la <em>FICA Tax<\/em>\u00a0(<em>Federal Income Contribution Act Tax<\/em>, aussi connue sous le nom de <strong><em>Social Security Tax<\/em><\/strong>) est pr\u00e9lev\u00e9e sur le salaire des employ\u00e9s ou directement sur les revenus d\u2019un employeur. Ces taxes sont automatiquement d\u00e9duites des salaires et des revenus des travailleurs, m\u00eame s\u2019ils ne comptent jamais b\u00e9n\u00e9ficier de leur <strong>retraite<\/strong> aux \u00c9tats-Unis.<\/p>\n<h3>Papy fait de la r\u00e9sistance<\/h3>\n<p>Il n\u2019y a pas d\u2019\u00e2ge l\u00e9gal auquel un Am\u00e9ricain peut (ou doit) d\u00e9poser les armes\u00a0: un assur\u00e9 peut prendre sa retraite entre 62 et 70 ans.<\/p>\n<h3>Touche pas \u00e0 ma retraite !<\/h3>\n<ul>\n<li>Un travailleur sait \u00e0 l\u2019avance \u00e0 quel \u00e2ge il pourra b\u00e9n\u00e9ficier de sa retraite de base \u00e0 taux plein \u00ab\u00a0<em>full social security benefits\u00a0\u00bb<\/em>, car elle est calcul\u00e9e en fonction de son <strong>ann\u00e9e de naissance<\/strong>.<\/li>\n<\/ul>\n<ul>\n<li>Un travailleur conna\u00eet \u00e9galement les modifications qui seront effectu\u00e9es au montant de sa retraite s\u2019il part en <strong>retraite anticip\u00e9e<\/strong> ou <strong>tardive<\/strong> en fonction de son ann\u00e9e de naissance.<\/li>\n<\/ul>\n<h3>Calcul de la pension de retraite<\/h3>\n<p><strong>Ce qu&#8217;il faut savoir :<\/strong><\/p>\n<ul>\n<li>La pension est proportionnelle au <strong>salaire de r\u00e9f\u00e9rence<\/strong> et d\u00e9pend de la dur\u00e9e pendant laquelle l\u2019assur\u00e9 a cotis\u00e9. Ce salaire de r\u00e9f\u00e9rence est calcul\u00e9 d\u2019apr\u00e8s les 420 meilleures r\u00e9mun\u00e9rations mensuelles (35 ans de labeur).<\/li>\n<li>La dur\u00e9e d\u2019assurance est calcul\u00e9e en trimestres qui sont appel\u00e9s \u00ab\u00a0<em>credits<\/em>\u00a0\u00bb.\n<ul>\n<li>40 cr\u00e9dits :\u00a0Il faut avoir obtenu au moins 40 cr\u00e9dits (donc 40 trimestres de cotisation) pour pr\u00e9tendre au versement de la <strong>retraite<\/strong> de base.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>En 2015, un travailleur recevait un cr\u00e9dit d\u00e8s qu\u2019il gagnait <strong>1,220$<\/strong>, avec un maximum de 4 cr\u00e9dits par an, soit 4,880$. Cependant, certaines professions se voient appliquer un r\u00e9gime diff\u00e9rent.<\/p>\n<ul>\n<li>Calcul sur les r\u00e9mun\u00e9rations mensuelles<br \/>\nLe salaire de r\u00e9f\u00e9rence est donc calcul\u00e9 sur les gains mensuels et non annuels, ce qui avantage les travailleurs qui ont connu des courtes p\u00e9riodes de ch\u00f4mage et facilite les changements d\u2019emplois.<\/li>\n<\/ul>\n<h2>Les fonds de retraite professionnels<\/h2>\n<p>Le syst\u00e8me de <strong>retraite<\/strong> am\u00e9ricain de la <em>Social Security<\/em> existe mais la plupart des cadres cotisent \u00e9galement \u00e0 des fonds de pensions professionnels, souscrits gr\u00e2ce \u00e0 leur entreprise.<\/p>\n<p>Les pensions d\u00e9pendent bien entendu de <strong>l\u2019emploi<\/strong> du retrait\u00e9, et sont g\u00e9r\u00e9es par les employeurs. Ces sommes sont souvent plac\u00e9es, et le retrait\u00e9 en dispose \u00e0 sa retraite soit sous la forme d\u2019un <strong>capital,<\/strong> soit sous la forme d\u2019une <strong>rente viag\u00e8re<\/strong>.<\/p>\n<h3>Defined Contribution Plans<\/h3>\n\r\n\t<div class=\"sponsor__article sponsor__article--left\">\r\n\t\t<div class=\"inner\">\r\n\t\t\t<div class=\"sponsor__by\">Pr&eacute;sent&eacute; par...<\/div>\r\n\t\t\t<div>\r\n\t\t\t\t<a href=\"https:\/\/frenchdistrict.com\/presentez-entreprise\/\" target=\"_blank\">\r\n\t\t\t\t<div class=\"sponsor__illus\"><img decoding=\"async\" src=\"https:\/\/frenchdistrict.com\/californie-sud\/wp-content\/uploads\/sites\/5\/2024\/05\/french-district-referencez-entreprise_9145233.png\" alt=\"French District\" \/><\/div>\r\n\t\t\t\t<div class=\"sponsor__content\">\r\n\t\t\t\t\t<p class=\"sponsor__title\">French District<\/p>\r\n\t\t\t\t\t<div class=\"sponsor__slogan\">French District : Le lien entre les entreprises et les expatri\u00e9s.<\/div>\r\n\t\t\t\t\t<div class=\"vce-button vce-button--small\" style=\"background-color: #444444;\"><i class=\"fa fa-hand-o-right\" aria-hidden=\"true\">&nbsp;<\/i>French District<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<\/a>\r\n\t\t\t<\/div>\t\t\r\n\t\t<\/div>\r\n\t<\/div>Le <em>Defined Contribution Plan<\/em> ne promet aucun montant sp\u00e9cifique, et \u00e0 la fois l\u2019employ\u00e9 et\/ou l\u2019employeur contribuent \u00e0 son instauration.<br \/>\nCela consiste la plupart du temps en une contribution fixe de l\u2019employeur, comme 5% des revenus annuels, qui sont souvent plac\u00e9s. Le montant total d\u00e9pendra alors des fluctuations du march\u00e9. L\u2019un des plans les plus connus est le <strong>401 (k)<\/strong>, dont il existe 4 diff\u00e9rentes sortes.<\/p>\n<ul>\n<li>Le 401 (k) simple est le \u00ab\u00a0<em>Traditional<\/em>\u00a0\u00bb\u00a0: l\u2019employ\u00e9 effectue des contributions \u00e0 partir de son salaire brut (before taxes are taken out). Ces contributions sont ensuite plac\u00e9es sur un compte 401 (k) et l\u2019employ\u00e9 choisit la fa\u00e7on dont il souhaite investir les sommes. Parfois, l\u2019employeur effectue \u00e9galement des versements (\u00ab\u00a0<em>matching contributions<\/em>\u00a0\u00bb), jusqu\u2019\u00e0 un certain pourcentage.<\/li>\n<\/ul>\n<p><span style=\"text-decoration: underline\">Les 3 autres sortes de 401 (k)<\/span>\u00a0:<\/p>\n<ul>\n<li><em>Safe Harbor<\/em> 401 (k)\u00a0: Similaire au <em>Traditional,<\/em> \u00e0 la diff\u00e9rence que l&#8217;employeur effectue des apports pour chaque employ\u00e9, qui sont imm\u00e9diatement investis \u00e0 100%.<\/li>\n<li><em>SIMPLE<\/em> 401 (k)\u00a0: Pour les PME de moins de 100 employ\u00e9s.<\/li>\n<li><em>Automatic enrollment<\/em> 401 (k)\u00a0: les employeurs enregistrent leurs employ\u00e9s dans un plan (style 401 k) et placent les versements d\u00e9duits de leurs salaires sur des comptes d\u2019investissement sp\u00e9ciaux.<\/li>\n<\/ul>\n<h2>C&#8217;est moi qui g\u00e8re ! Le cas des IRA<\/h2>\n<p>Le Compte Individuel d&#8217;\u00e9pargne Retraite (Individual REtirement Account &#8211; IRA) est un plan d&#8217;\u00e9pargne am\u00e9ricain destin\u00e9 \u00e0 cotiser pour sa retraite. Contrairement \u00e0 d&#8217;autres types d&#8217;\u00e9pargnes qui impliquent un employeur, l&#8217;IRA, lui, est enti\u00e8rement g\u00e9r\u00e9 par le titulaire du plan.<\/p>\n<p>Il existe deux types d&#8217;IRA, et le type de compte de retraite individuel (IRA) que vous choisissez peut affecter de mani\u00e8re significative votre \u00e9pargne \u00e0 long terme et celle de votre famille. Il est donc utile de comprendre les diff\u00e9rences entre les IRA traditionnels et les IRA Roth afin de s\u00e9lectionner le meilleur pour vous.<\/p>\n<p dir=\"ltr\">Les IRA traditionnels et Roth offrent des all\u00e8gements fiscaux g\u00e9n\u00e9reux. Mais tout est question de timing :<\/p>\n<p dir=\"ltr\"><strong>Les contributions traditionnelles \u00e0 l&#8217;IRA<\/strong> sont d\u00e9ductibles sur vos d\u00e9clarations d\u2018imp\u00f4ts f\u00e9d\u00e9raux et locaux pour l&#8217;ann\u00e9e o\u00f9 vous faites la contribution.\u00a0<br class=\"m_2881339363047860610gmail-kix-line-break\" \/>Avec les IRA traditionnels, vous \u00e9vitez les taxes sur l\u2019argent que vous mettez dans le compte.\u00a0N\u00e9anmoins, \u00e0 l&#8217;\u00e2ge de la retraite, les revenus du compte d&#8217;\u00e9pargne sont imposables.<\/p>\n<p dir=\"ltr\"><strong>Les Roth IRA<\/strong> n&#8217;offrent aucun all\u00e9gement fiscal pour les cotisations, mais les gains et les retraits sont g\u00e9n\u00e9ralement exempts d&#8217;imp\u00f4t. Les contributions de Roth IRA \u00e9tant effectu\u00e9es apr\u00e8s imp\u00f4t, il est bon de tirer parti de la croissance non taxable, en particulier si vous vous trouvez dans une tranche d&#8217;imposition inf\u00e9rieure aujourd&#8217;hui.<\/p>\n<h3>Defined Benefit Plans<\/h3>\n<p>Ces plans sont aliment\u00e9s par l\u2019employeur. Il peut \u00e9tablir un montant exact, vers\u00e9 tous les mois\u00a0; ou alors, et c\u2019est plus commun, calculer les b\u00e9n\u00e9fices en fonction des ann\u00e9es d\u2019anciennet\u00e9 et du salaire mensuel.<\/p>\n<h2>Etre un retrait\u00e9&#8230; actif<\/h2>\n<p>Aux <strong>\u00c9tats-Unis<\/strong>, et m\u00eame \u00e0 l&#8217;\u00e2ge de la retraite, le travail reste un droit, et il n\u2019est pas rare qu\u2019un retrait\u00e9 ait une activit\u00e9 d\u2019appoint, soit pour garder l&#8217;esprit alerte et l&#8217;\u0153il vif&#8230; soit pour mettre du beurre dans les \u00e9pinards.<\/p>\n<p>En cas de cumul d\u2019un salaire et de sa <strong>pension retraite<\/strong>, le \u00ab retra-ctif \u00bb voit sa pension r\u00e9duite de mani\u00e8re temporaire car, ayant travaill\u00e9 davantage, le retrait\u00e9 voit ensuite le nombre de ses cr\u00e9dits augment\u00e9s, et le montant de sa pension recalcul\u00e9.<\/p>\n<h2>Bon \u00e0 savoir<\/h2>\n<h3>L\u2019option des employeurs<\/h3>\n<p>Les employeurs ne sont pas oblig\u00e9s de procurer un <strong>plan de<\/strong> <strong>retraite<\/strong> \u00e0 leurs employ\u00e9s\u00a0: cela n\u2019est pas requis par la loi F\u00e9d\u00e9rale.<\/p>\n<h3>Department of Labor<\/h3>\n<p>Les diff\u00e9rends li\u00e9s aux retraites sont g\u00e9r\u00e9s par le <strong>minist\u00e8re du Travail<\/strong>. C&#8217;est notamment l\u2019autorit\u00e9 qui r\u00e8gle les probl\u00e8mes d\u2019application et d\u2019interpr\u00e9tation de l\u2019ERISA, un acte datant de 1974 qui vise \u00e0 prot\u00e9ger les cotisations de retraites d&#8217;\u00e9ventuels d\u00e9tournements.<\/p>\n<h3>IRS\u00a0: Internal Revenue Service<\/h3>\n<p>L\u2019IRS est l\u2019autorit\u00e9 qui d\u00e9finit les retraites en mati\u00e8re de taxes.<\/p>\n<h3>Plan administrator<\/h3>\n<p>Pour des infos suppl\u00e9mentaires, s\u2019adresser \u00e0 son \u00ab\u00a0<em>plan administrator<\/em>\u00a0\u00bb, le bureau des RH ou son employeur. Ces renseignements sont g\u00e9n\u00e9ralement disponibles dans le \u00ab\u00a0<em>Summary Plan Description\u00a0<\/em>\u00bb.<\/p>\n<h2><strong>Infos pratiques\u00a0<\/strong><\/h2>\n<p>Site officiel du \u00ab<em>\u00a0US Department of Labor \u2013 Retirement Plans, Benefits and Savings<\/em>\u00a0\u00bb\u00a0:<\/p>\n<p>Si vous voulez creuser la question des types de plans retraites existants :<br \/>\n<i class=\"fa fa-link\" aria-hidden=\"true\"><\/i> <a href=\"http:\/\/www.dol.gov\/dol\/topic\/retirement\/typesofplans.htm#.ULUs_I45Ss8\" target=\"_blank\" rel=\"noopener noreferrer\">Dol.gov\/Dol\/Topic\/Retirement\/TypesofPlans.htm<\/a>.<\/p>\n<h2>Vous \u00eates \u00e0 la recherche d\u2019un expert en fiscalit\u00e9 des retraites?<br \/>\nContactez Jade Fiducial.<\/h2>\n<a name=\"contactfd\" style=\"display: block;position: relative;top: -150px;visibility: hidden;\"><\/a><script type=\"text\/javascript\">\n\/* <![CDATA[ *\/\nvar 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