{"id":5781,"date":"2025-10-22T16:06:49","date_gmt":"2025-10-22T14:06:49","guid":{"rendered":"https:\/\/pcbigouden.fr\/?page_id=5781"},"modified":"2026-02-03T18:02:45","modified_gmt":"2026-02-03T17:02:45","slug":"5-la-retraite","status":"publish","type":"page","link":"https:\/\/pcbigouden.fr\/?page_id=5781","title":{"rendered":"-5- La Retraite"},"content":{"rendered":"

\"\"<\/a>– Notre retraite par r\u00e9partition un mod\u00e8le issu de la mise en place de la s\u00e9curit\u00e9 sociale en 1945 –<\/h2>\n

Retraite par r\u00e9partition, par capitalisation, \u00e0 points… Y voir clair dans tout cela.<\/p>\n

R\u00e9partition ou capitalisation ,<\/span><\/p>\n

Dans le syst\u00e8me de retraite par\u00a0<\/span>r\u00e9partition chaque salari\u00e9 verse une cotisation \u00e0 une\u00a0 caisse de retraite. C<\/span>ette caisse de retraite paie les pensions des retrait\u00e9 du moment – qui ont eux m\u00eames cotis\u00e9 pendant toute leur vie active –<\/span><\/p>\n

\u00a0Dans le syst\u00e8me de retraite par capitalisation chaque salari\u00e9 place dans une banque une certaine somme <\/span>qui\u00a0 lui sera revers\u00e9e quand il prendra sa retraite.<\/span><\/p>\n

\u00a0IL fait donc confiance pendant toute sa p\u00e9riode d’activit\u00e9 \u00e0 une banque jusqu’au jour de so d\u00e9part \u00e0 la retraite. devrait en principe lui verser ce qu’elle luidoit.<\/span><\/p>\n

\u00a0Pendant ce temps la banque utilise son argent par exemple pour sp\u00e9culer.<\/span><\/p>\n

\u00a0c’est\u00a0 syst\u00e8me est dangereux car\u00a0 il repose sur la confiance faite au syst\u00e8me bancaire et on a vu au moment de la crise de subpries aux \u00c9tats-Unis des millions de retrait\u00e9s oblig\u00e9s de vendre leur maison car les banques les avaient ruin\u00e9s.<\/span><\/p>\n

 <\/p>\n

\u00a0Notre syst\u00e8me est \u00e0 r\u00e9partition l’argent recueilli par les cotisations et verser imm\u00e9diatement au retrait\u00e9 sans l’interm\u00e9diaire du syst\u00e8me bancaire ce qui est une garantie.<\/span><\/p>\n

C’est un syst\u00e8me qui a fait ses preuves . Pour qu’il soit en \u00e9quilibre il suffit de faire varier le taux de cotisations.<\/span><\/p>\n

\u00a0Mais dans le syst\u00e8me par r\u00e9prtition cette grande masse d’argent \u00e9chappe au syst\u00e8me bancaire ce qui pour lui est insupportable d’o\u00f9 les nombreuses attaques contre notre syst\u00e8me par les\u00a0 gouvernements successifs depuis des d\u00e9cennies.<\/span><\/p>\n

Nos articles \u00e0 propos de la retraite<\/a><\/p>\n

En compl\u00e9ment :<\/p>\n

Financer un syst\u00e8me de retraites digne du XXIe si\u00e8cle<\/a><\/p>\n

Abroger la r\u00e9forme Macron et mettre en place une autre politique, par Denis Durand, \u00e9conomiste<\/a><\/p>\n

 <\/p>\n

 <\/p>\n

 <\/p>\n

 <\/p>\n

 <\/p>\n

 <\/p>\n

\n

Notes :<\/span><\/p>\n

1 – La CSG a deux buts<\/b><\/span>
\nR\u00e9duire les cotisations sociales pour les patrons<\/b><\/span>
\nPrivatiser la s\u00e9curit\u00e9 sociale<\/b><\/span><\/p>\n

 <\/p>\n

2 – Il y a moins d\u2019actifs pour chaque retrait\u00e9, oui mais, en raison de la robotique et de l\u2019IA, la productivit\u00e9 a beaucoup augment\u00e9, ceci devrait se r\u00e9percuter davantage sur les salaires, donc sur les cotisations.<\/span><\/p>\n

D\u2019autre part le pourcentage du PIB consacr\u00e9 aux retraites est de l\u2019ordre de 14 % l\u2019augmenter de 1 % permettrait de r\u00e9gler le probl\u00e8me, c\u2019est compl\u00e9tement possible et raisonnable.<\/span>
\n6\u00a0% du PIB va aux dividendes\u00a0!<\/span><\/p>\n

Retour au sommaire de la s\u00e9rie COMPRENDRE<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

– Notre retraite par r\u00e9partition un mod\u00e8le issu de la mise en place de la s\u00e9curit\u00e9 sociale en 1945 – Retraite par r\u00e9partition, par capitalisation, \u00e0 points… Y voir clair dans tout cela. R\u00e9partition ou capitalisation , Dans le syst\u00e8me de retraite par\u00a0r\u00e9partition chaque salari\u00e9 verse une cotisation \u00e0 une\u00a0 caisse de retraite. Cette caisse … Continue reading -5- La Retraite<\/span><\/a><\/p>\n","protected":false},"author":6,"featured_media":0,"parent":5762,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-5781","page","type-page","status-publish","hentry"],"yoast_head":"\n-5- La Retraite - PCF Pays Bigouden<\/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:\/\/pcbigouden.fr\/?page_id=5781\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"-5- La Retraite - PCF Pays Bigouden\" \/>\n<meta property=\"og:description\" content=\"– Notre retraite par r\u00e9partition un mod\u00e8le issu de la mise en place de la s\u00e9curit\u00e9 sociale en 1945 – Retraite par r\u00e9partition, par capitalisation, \u00e0 points… Y voir clair dans tout cela. R\u00e9partition ou capitalisation , Dans le syst\u00e8me de retraite par\u00a0r\u00e9partition chaque salari\u00e9 verse une cotisation \u00e0 une\u00a0 caisse de retraite. 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