{"id":1821,"date":"2025-10-11T10:42:00","date_gmt":"2025-10-11T08:42:00","guid":{"rendered":"https:\/\/leviroismasque.com\/?p=1821"},"modified":"2025-10-11T21:32:48","modified_gmt":"2025-10-11T19:32:48","slug":"puisquon-parle-des-retraites","status":"publish","type":"post","link":"https:\/\/leviroismasque.com\/index.php\/2025\/10\/11\/puisquon-parle-des-retraites\/","title":{"rendered":"Puisqu’on parle des retraites"},"content":{"rendered":"\n

Je relisais un article du quotidiens Ouest France relatant la r\u00e9cente gr\u00e8ve du 2 octobre:<\/p>\n\n\n\n

\"\"<\/figure><\/div>\n\n\n\n

Pass\u00e9 l’amusement que cinq lyc\u00e9ens seulement veuillent bloquer un grand \u00e9tablissement scolaire, plusieurs choses m\u2019interrogent dans leur courte argumentation.<\/p>\n\n\n\n

D\u00e9j\u00e0, parler des erreurs du pass\u00e9, toutes les g\u00e9n\u00e9rations ont pr\u00e9tendu avoir \u00e0 y faire face. Mais c’est tout de m\u00eame oublier que le niveau de vie n’a cess\u00e9 de s’am\u00e9liorer. Les lyc\u00e9ens peuvent ainsi b\u00e9n\u00e9ficier d’infrastructures et de moyens qui n’existaient pas dans le pass\u00e9.<\/p>\n\n\n\n

Ensuite, \u00eatre lyc\u00e9en et vouloir une retraite digne pose une \u00e9norme question. Comment peut-on d\u00e9j\u00e0 penser \u00e0 sa fin de vie quand on commence \u00e0 peine la sienne ?<\/p>\n\n\n\n

Et parler de droits… Des droits ne sont pas inn\u00e9s. Des droits se gagnent.<\/p>\n\n\n\n

Par exemple, une partie de nos revenu va \u00e0 la S\u00e9curit\u00e9 Sociale donc nous avons des droits \u00e0 \u00eatre soign\u00e9s.<\/p>\n\n\n\n

Et parler des droits \u00e0 la retraite…<\/p>\n\n\n\n

Pour ceux qui l’ignorent, il existe deux formes de retraite: la retraite par r\u00e9partition et la retraite par capitalisation.<\/p>\n\n\n\n

La retraite par r\u00e9partition<\/strong> se construit ainsi: ce sont les gens qui travaillent qui paient les pensions des retrait\u00e9s.<\/p>\n\n\n\n

L’installation totale s’est faite en 1947 en France. A l’\u00e9poque, on estime qu’il devait y avoir 10 actifs pour 1 retrait\u00e9 (avec \u00e0 l’\u00e9poque, une esp\u00e9rance de vie \u00e0 63 ans). Le ratio (on divise le nombre d’actifs par le nombre de retrait\u00e9s) a baiss\u00e9 d’environ 4,3 en 1965, puis 1,8 en 1997, et environ 1,4 aujourd\u2019hui. L’esp\u00e9rance de vie est de 83,6 ans donc 20 ans de plus qu’en 1947. Le nombre de pensionn\u00e9s a donc in\u00e9vitablement augment\u00e9. Il est de bonnes nouvelles qui apportent de nouveaux probl\u00e8mes.<\/p>\n\n\n\n

La retraite par capitalisation<\/strong> consiste \u00e0 \u00e9pargner, donc placer de l’argent, afin d’en b\u00e9n\u00e9ficier lors de l’arr\u00eat de son activit\u00e9. On peut l\u00e0 parler de droits.<\/p>\n\n\n\n

Donc il ne faut pas m\u00e9langer retraite par r\u00e9partition et droits.<\/strong><\/p>\n\n\n\n

Apr\u00e8s, quel est le syst\u00e8me le meilleur pour l’avenir ? Une bonne question qui attend votre r\u00e9ponse, merci. <\/p>\n\n\n\n

Y a t’il un moyen de sauver la retraite par r\u00e9partition ? Peut \u00eatre en ponctionnant plus les actifs ?<\/p>\n\n\n\n

Mon propos \u00e9tait l\u00e0 non de faire un choix mais de r\u00e9tablir le sens du vocabulaire et d’exposer les faits.<\/p>\n\n\n\n

https:\/\/evaluation.securite-sociale.fr\/home\/retraite\/1-6-ratio-de-dependance-demograp.html<\/a><\/p>\n\n\n\n

https:\/\/www.insee.fr\/fr\/statistiques\/2415121<\/a><\/p>\n\n\n\n

PS: J’ai beaucoup appr\u00e9ci\u00e9 la bonhommie du gendarme, tr\u00e8s compr\u00e9hensif, qui s’est charg\u00e9 de r\u00e9tablir la circulation. Les temps changent…<\/p>\n","protected":false},"excerpt":{"rendered":"

Je relisais un article du quotidiens Ouest France relatant la r\u00e9cente gr\u00e8ve du 2 octobre: Pass\u00e9 l’amusement que cinq lyc\u00e9ens seulement veuillent bloquer un grand \u00e9tablissement scolaire, plusieurs choses m\u2019interrogent dans leur courte argumentation. D\u00e9j\u00e0, parler des erreurs du pass\u00e9, toutes les g\u00e9n\u00e9rations ont pr\u00e9tendu avoir \u00e0 y faire face. Mais c’est tout de m\u00eame […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[1,11,16,19],"tags":[],"yoast_head":"\nPuisqu'on parle des retraites - Le Virois Masqu\u00e9<\/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:\/\/leviroismasque.com\/index.php\/2025\/10\/11\/puisquon-parle-des-retraites\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Puisqu'on parle des retraites - Le Virois Masqu\u00e9\" \/>\n<meta property=\"og:description\" content=\"Je relisais un article du quotidiens Ouest France relatant la r\u00e9cente gr\u00e8ve du 2 octobre: Pass\u00e9 l’amusement que cinq lyc\u00e9ens seulement veuillent bloquer un grand \u00e9tablissement scolaire, plusieurs choses m\u2019interrogent dans leur courte argumentation. D\u00e9j\u00e0, parler des erreurs du pass\u00e9, toutes les g\u00e9n\u00e9rations ont pr\u00e9tendu avoir \u00e0 y faire face. 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