{"id":22353,"date":"2024-07-30T13:59:07","date_gmt":"2024-07-30T13:59:07","guid":{"rendered":"https:\/\/www.make-it-in-munich.com\/living-in-munich\/social-rights\/pension\/"},"modified":"2026-07-31T14:24:55","modified_gmt":"2026-07-31T14:24:55","slug":"retraite","status":"publish","type":"page","link":"https:\/\/www.make-it-in-munich.com\/fr\/vivre-a-munich\/droits-sociaux\/retraite\/","title":{"rendered":"Retraite"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"22353\" class=\"elementor elementor-22353 elementor-713\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ccdd124 e-con-full e-flex e-con e-parent\" data-id=\"ccdd124\" 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-29b424f elementor-widget elementor-widget-template\" data-id=\"29b424f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"22625\" class=\"elementor elementor-22625 elementor-849 elementor-849\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div data-dce-background-overlay-color=\"#FFFFFF00\" data-dce-background-image-url=\"https:\/\/www.make-it-in-munich.com\/wp-content\/uploads\/2024\/11\/LMU-Universitat-Munchen-Brunnen-1-\u00a9-Munchen-Tourismus-Andreas-Hedderegott.jpg\" class=\"elementor-element elementor-element-7483461 e-flex e-con-boxed e-con e-parent\" data-id=\"7483461\" 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<!-- dce invisible element bf702fb --><!-- dce invisible element 9a6f9f2 --><!-- dce invisible element 40c1201 --><!-- dce invisible element a7fb9a5 --><!-- dce invisible element 3f7b06b --><!-- hidden container 22353-c3b6cdf --><!-- hidden container 22353-6cd63b6 -->\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-dce-background-color=\"#FFCC00\" class=\"elementor-element elementor-element-c9e3898 elementor-hidden-tablet elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"c9e3898\" 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-c0241f3 e-con-full e-flex e-con e-child\" data-id=\"c0241f3\" 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-259b8cf elementor-widget elementor-widget-heading\" data-id=\"259b8cf\" 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<div class=\"elementor-heading-title elementor-size-default\">Le site officiel de Munich pour les professionnels qualifi\u00e9s et les jeunes talents \u00e9trangers.<\/div>\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-ad239f1 e-con-full e-flex e-con e-child\" data-id=\"ad239f1\" 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-d0a3147 dce_masking-none elementor-widget elementor-widget-image\" data-id=\"d0a3147\" 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=\"640\" height=\"126\" src=\"https:\/\/www.make-it-in-munich.com\/wp-content\/uploads\/2024\/10\/cityofmunich.png\" class=\"attachment-large size-large wp-image-22629\" alt=\"\" srcset=\"\/\/www.make-it-in-munich.com\/wp-content\/uploads\/2024\/10\/cityofmunich.png 640w, \/\/www.make-it-in-munich.com\/wp-content\/uploads\/2024\/10\/cityofmunich-300x59.png 300w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/>\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-8d2bc18 elementor-hidden-desktop elementor-hidden-laptop e-flex e-con-boxed e-con e-parent\" data-id=\"8d2bc18\" 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-51fef76 e-con-full e-flex e-con e-child\" data-id=\"51fef76\" 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-208cf5f elementor-widget elementor-widget-heading\" data-id=\"208cf5f\" 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<div class=\"elementor-heading-title elementor-size-default\">Le site officiel de Munich pour les professionnels qualifi\u00e9s et les jeunes talents \u00e9trangers.<\/div>\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-ca6a577 e-con-full e-flex e-con e-child\" data-id=\"ca6a577\" 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-8b10eec elementor-widget-mobile__width-initial dce_masking-none elementor-widget elementor-widget-image\" data-id=\"8b10eec\" 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=\"640\" height=\"126\" src=\"https:\/\/www.make-it-in-munich.com\/wp-content\/uploads\/2024\/10\/cityofmunich.png\" class=\"attachment-large size-large wp-image-22629\" alt=\"\" srcset=\"\/\/www.make-it-in-munich.com\/wp-content\/uploads\/2024\/10\/cityofmunich.png 640w, \/\/www.make-it-in-munich.com\/wp-content\/uploads\/2024\/10\/cityofmunich-300x59.png 300w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/>\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 data-dce-background-color=\"#FFFFFF\" class=\"elementor-element elementor-element-14a82c4 dc-has-condition dc-condition-equal e-flex e-con-boxed e-con e-parent\" data-id=\"14a82c4\" 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\t\t<div class=\"elementor-element elementor-element-d8a398c elementor-widget elementor-widget-jet-breadcrumbs\" data-id=\"d8a398c\" 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.make-it-in-munich.com\/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\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\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e20e881 e-flex e-con-boxed e-con e-parent\" data-id=\"e20e881\" 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-dccccc8 e-con-full e-flex e-con e-child\" data-id=\"dccccc8\" 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-0a96206 elementor-widget elementor-widget-heading\" data-id=\"0a96206\" 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<h2 class=\"elementor-heading-title elementor-size-default\">Retraite \u00e0 Munich : comment l'\u00c9tat vous aide-t-il ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div data-dce-text-color=\"#32372C\" class=\"elementor-element elementor-element-ad62daf elementor-widget elementor-widget-text-editor\" data-id=\"ad62daf\" 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><strong>Prendre sa retraite en toute s\u00e9curit\u00e9 financi\u00e8re peut \u00eatre un d\u00e9fi \u00e0 l&rsquo;heure actuelle. Nous avons rassembl\u00e9 quelques informations sur le syst\u00e8me de retraite allemand. <\/strong><\/p><p>Prenez cela au s\u00e9rieux : il est important de savoir quelles sont les mesures \u00e0 prendre &#8211; le plus t\u00f4t possible. Pour en savoir plus, cliquez ici. <\/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-b76a8d9 elementor-widget elementor-widget-button\" data-id=\"b76a8d9\" 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.make-it-in-munich.com\/fr\/vivre-a-munich\/vie-quotidienne\/services-de-sante-a-munich\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"25\" viewBox=\"0 0 24 25\" fill=\"none\"><path d=\"M9.08464 6.11035L8.3763 4.00619L9.16797 3.73535L9.8763 5.83952L9.08464 6.11035ZM12.043 5.13119V3.04785H12.8763V5.13119H12.043ZM15.8346 6.11035L15.043 5.83952L15.7513 3.73535L16.543 4.00619L15.8346 6.11035ZM4.20964 21.1937L4.04297 19.9437L8.4388 19.277C8.63326 19.2492 8.80351 19.1692 8.94964 19.037C9.09589 18.9048 9.20339 18.7417 9.27214 18.5479L9.95964 16.3395C10.0568 16.0479 10.0326 15.7701 9.88672 15.5062C9.74089 15.2423 9.51518 15.0756 9.20964 15.0062L8.5013 17.1937L7.3138 16.8187L9.16797 11.0062C9.22351 10.8256 9.23047 10.6451 9.1888 10.4645C9.14714 10.284 9.05684 10.1381 8.91797 10.027L5.98047 15.5687C5.78602 15.9437 5.50825 16.2423 5.14714 16.4645C4.78602 16.6867 4.39019 16.7979 3.95964 16.7979H3.29297V15.5479H3.95964C4.15172 15.5479 4.33068 15.4988 4.49651 15.4006C4.66234 15.3024 4.78894 15.164 4.8763 14.9854L8.45964 8.23535L9.3138 8.69369C9.78601 8.97148 10.1193 9.36035 10.3138 9.86035C10.5083 10.3604 10.5221 10.8742 10.3555 11.402L9.58464 13.8187C10.2235 13.9715 10.6923 14.3361 10.9909 14.9124C11.2895 15.4888 11.3416 16.0965 11.1471 16.7354L10.4596 18.9437C10.3208 19.3604 10.0881 19.7076 9.76172 19.9854C9.43534 20.2631 9.05684 20.4367 8.6263 20.5062L4.20964 21.1937ZM20.7096 21.1937L16.293 20.5062C15.8624 20.4367 15.4839 20.2631 15.1576 19.9854C14.8312 19.7076 14.5985 19.3604 14.4596 18.9437L13.7721 16.7354C13.5777 16.0965 13.6298 15.4888 13.9284 14.9124C14.227 14.3361 14.6958 13.9715 15.3346 13.8187L14.5638 11.402C14.3971 10.8742 14.411 10.3604 14.6055 9.86035C14.7999 9.36035 15.1333 8.97148 15.6055 8.69369L16.4596 8.23535L20.043 14.9854C20.1303 15.164 20.2569 15.3024 20.4228 15.4006C20.5886 15.4988 20.7676 15.5479 20.9596 15.5479H21.6263V16.7979H20.9596C20.5291 16.7979 20.1333 16.6867 19.7721 16.4645C19.411 16.2423 19.1333 15.9437 18.9388 15.5687L16.0013 10.027C15.8624 10.1381 15.7721 10.284 15.7305 10.4645C15.6888 10.6451 15.6958 10.8256 15.7513 11.0062L17.6055 16.8187L16.418 17.1937L15.7096 15.0062C15.4041 15.0756 15.1784 15.2423 15.0326 15.5062C14.8867 15.7701 14.8624 16.0479 14.9596 16.3395L15.6471 18.5479C15.7159 18.7417 15.8234 18.9048 15.9696 19.037C16.1158 19.1692 16.286 19.2492 16.4805 19.277L20.8763 19.9437L20.7096 21.1937Z\" fill=\"#32372C\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">A propos des services de sant\u00e9<\/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-1a87877 e-con-full e-flex e-con e-child\" data-id=\"1a87877\" 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-6ed8dbb elementor-widget__width-inherit dce_masking-none elementor-widget elementor-widget-image\" data-id=\"6ed8dbb\" 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\t<a href=\"https:\/\/make-it-in-munich.com\/wp-content\/uploads\/2024\/11\/Opa-mit-Enkelin-\u00a9-Munchen-Tourismus-Dominik-Parzinger-1.jpg\" data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-title=\"Opa mit Enkelin, \u00a9 Mu\u0308nchen Tourismus, Dominik Parzinger 1\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6MjIzNTUsInVybCI6Imh0dHBzOlwvXC93d3cubWFrZS1pdC1pbi1tdW5pY2guY29tXC93cC1jb250ZW50XC91cGxvYWRzXC8yMDI0XC8xMVwvT3BhLW1pdC1FbmtlbGluLVx1MDBhOS1NdW5jaGVuLVRvdXJpc211cy1Eb21pbmlrLVBhcnppbmdlci0xLmpwZyJ9\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"534\" src=\"https:\/\/www.make-it-in-munich.com\/wp-content\/uploads\/2024\/11\/Opa-mit-Enkelin-\u00a9-Munchen-Tourismus-Dominik-Parzinger-1.jpg\" class=\"attachment-large size-large wp-image-22355\" alt=\"\" srcset=\"\/\/www.make-it-in-munich.com\/wp-content\/uploads\/2024\/11\/Opa-mit-Enkelin-\u00a9-Munchen-Tourismus-Dominik-Parzinger-1.jpg 955w, \/\/www.make-it-in-munich.com\/wp-content\/uploads\/2024\/11\/Opa-mit-Enkelin-\u00a9-Munchen-Tourismus-Dominik-Parzinger-1-300x200.jpg 300w, \/\/www.make-it-in-munich.com\/wp-content\/uploads\/2024\/11\/Opa-mit-Enkelin-\u00a9-Munchen-Tourismus-Dominik-Parzinger-1-768x512.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\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 class=\"elementor-element elementor-element-63b8276 elementor-widget elementor-widget-text-editor\" data-id=\"63b8276\" 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>Source : Opa mit Enkelin, \u00a9 M\u00fcnchen Tourismus, Dominik Parzinger<\/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\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8cdc1a7 e-flex e-con-boxed e-con e-parent\" data-id=\"8cdc1a7\" 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-2dcb3e3 elementor-widget__width-inherit dce_masking-none elementor-widget elementor-widget-image\" data-id=\"2dcb3e3\" 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 decoding=\"async\" width=\"800\" height=\"534\" src=\"https:\/\/www.make-it-in-munich.com\/wp-content\/uploads\/2024\/11\/Rast-am-Monopteros-\u00a9-Munchen-Tourismus-Peter-Hutzler-1024x683.jpg\" class=\"attachment-large size-large wp-image-4680\" alt=\"\" srcset=\"\/\/www.make-it-in-munich.com\/wp-content\/uploads\/2024\/11\/Rast-am-Monopteros-\u00a9-Munchen-Tourismus-Peter-Hutzler-1024x683.jpg 1024w, \/\/www.make-it-in-munich.com\/wp-content\/uploads\/2024\/11\/Rast-am-Monopteros-\u00a9-Munchen-Tourismus-Peter-Hutzler-300x200.jpg 300w, \/\/www.make-it-in-munich.com\/wp-content\/uploads\/2024\/11\/Rast-am-Monopteros-\u00a9-Munchen-Tourismus-Peter-Hutzler-768x512.jpg 768w, \/\/www.make-it-in-munich.com\/wp-content\/uploads\/2024\/11\/Rast-am-Monopteros-\u00a9-Munchen-Tourismus-Peter-Hutzler.jpg 1500w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\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 class=\"elementor-element elementor-element-ba94d59 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"ba94d59\" 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>Source : Rast am Monopteros-\u00a9 M\u00fcnchen Tourismus, Peter Hutzler<\/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-4fa9991 e-con-full e-flex e-con e-child\" data-id=\"4fa9991\" 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-c98ad4b elementor-widget elementor-widget-text-editor\" data-id=\"c98ad4b\" 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>Comme nous l&rsquo;avons mentionn\u00e9 dans la section \u00ab <a href=\"https:\/\/www.make-it-in-germany.com\/en\/working-in-germany\/working-environment\/salary-taxes-social-security\" target=\"_blank\" rel=\"noopener\"><\/a><a href=\"https:\/\/www.make-it-in-munich.com\/fr\/travail-et-etudes\/travailler-a-munich\/\">Travailler \u00e0 Munich<\/a> \u00bb, diverses retenues sont effectu\u00e9es sur votre salaire brut. L&rsquo;une d&rsquo;entre elles est l&rsquo;assurance retraite l\u00e9gale, qui permet aux salari\u00e9s de percevoir une pension apr\u00e8s leur d\u00e9part \u00e0 la retraite. Le montant de cette pension est principalement d\u00e9termin\u00e9 par vos anciens revenus et le nombre d&rsquo;ann\u00e9es pendant lesquelles vous avez travaill\u00e9 en Allemagne.   <\/p><p><b>Le <a href=\"https:\/\/howtogermany.com\/finance\/pension\/retirement-and-pension-system\/\" target=\"_blank\" rel=\"noopener\">syst\u00e8me de retraite allemand<\/a> repose sur trois piliers :<\/b><\/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-362b337 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"362b337\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">1. Le syst\u00e8me d'assurance retraite g\u00e9r\u00e9 par l'\u00c9tat<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">  2. Les r\u00e9gimes d'entreprises priv\u00e9es<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">3. Les investissements de retraite des particuliers. <\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\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-f574f58 elementor-widget elementor-widget-text-editor\" data-id=\"f574f58\" 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>Plus de 85 % de la population active allemande d\u00e9pend de l&rsquo;assurance retraite publique (GRV) pour ses revenus de retraite. L&rsquo;assurance retraite publique allemande <a href=\"https:\/\/www.deutsche-rentenversicherung.de\/DRV\/EN\/Versicherung\/versicherung_index.html\" target=\"_blank\" rel=\"noopener\">(Deutsche Rentenversicherung)<\/a> propose des <a href=\"https:\/\/www.deutsche-rentenversicherung.de\/DRV\/EN\/Home\/home_node.html\" target=\"_blank\" rel=\"noopener\">pages explicatives en anglais<\/a> et dans d&rsquo;autres langues. Si vous habitez \u00e0 Munich, votre interlocuteur est la <a href=\"https:\/\/www.deutsche-rentenversicherung.de\/BayernSued\/DE\/Home\/home_node.html\" target=\"_blank\" rel=\"noopener\">Deutsche Rentenversicherung Bayern S\u00fcd<\/a>. (Page en allemand)  <\/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\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c1c577b e-flex e-con-boxed e-con e-parent\" data-id=\"c1c577b\" 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-c1eb53a elementor-widget elementor-widget-template\" data-id=\"c1eb53a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"22574\" class=\"elementor elementor-22574 elementor-4829 elementor-4829\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-770d6fc e-flex e-con-boxed e-con e-parent\" data-id=\"770d6fc\" 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-f36158c elementor-hidden-desktop elementor-hidden-laptop dce_masking-none elementor-widget elementor-widget-image\" data-id=\"f36158c\" 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 loading=\"lazy\" decoding=\"async\" width=\"84\" height=\"107\" src=\"https:\/\/www.make-it-in-munich.com\/wp-content\/uploads\/2024\/11\/Frame-1410104359.png\" class=\"attachment-large size-large wp-image-22482\" alt=\"\" \/>\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 class=\"elementor-element elementor-element-a5a7864 elementor-widget elementor-widget-heading\" data-id=\"a5a7864\" 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<h2 class=\"elementor-heading-title elementor-size-default\">Rencontrez-nous !<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d5d3210 e-con-full e-flex e-con e-child\" data-id=\"d5d3210\" 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-529c8e4 e-con-full e-flex e-con e-child\" data-id=\"529c8e4\" 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-efe904d elementor-widget elementor-widget-heading\" data-id=\"efe904d\" 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\">Avez-vous des questions sur Make it in Munich ?\nNous nous r\u00e9jouissons de vous rencontrer !\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div data-dce-text-color=\"#32372C\" class=\"elementor-element elementor-element-dc48c8c elementor-widget elementor-widget-text-editor\" data-id=\"dc48c8c\" 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>Vous y trouverez des \u00e9v\u00e9nements et des s\u00e9minaires en ligne qui vous aideront dans votre carri\u00e8re et vous permettront de vous installer \u00e0 Munich !<\/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-a70d852 e-con-full e-flex e-con e-child\" data-id=\"a70d852\" 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-20ecbec elementor-hidden-tablet elementor-hidden-mobile elementor-align-center elementor-widget elementor-widget-button\" data-id=\"20ecbec\" 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:\/\/make-it-in-munich.com\/about-us\/events\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"25\" viewBox=\"0 0 24 25\" fill=\"none\"><path d=\"M9.08464 6.11035L8.3763 4.00619L9.16797 3.73535L9.8763 5.83952L9.08464 6.11035ZM12.043 5.13119V3.04785H12.8763V5.13119H12.043ZM15.8346 6.11035L15.043 5.83952L15.7513 3.73535L16.543 4.00619L15.8346 6.11035ZM4.20964 21.1937L4.04297 19.9437L8.4388 19.277C8.63326 19.2492 8.80351 19.1692 8.94964 19.037C9.09589 18.9048 9.20339 18.7417 9.27214 18.5479L9.95964 16.3395C10.0568 16.0479 10.0326 15.7701 9.88672 15.5062C9.74089 15.2423 9.51518 15.0756 9.20964 15.0062L8.5013 17.1937L7.3138 16.8187L9.16797 11.0062C9.22351 10.8256 9.23047 10.6451 9.1888 10.4645C9.14714 10.284 9.05684 10.1381 8.91797 10.027L5.98047 15.5687C5.78602 15.9437 5.50825 16.2423 5.14714 16.4645C4.78602 16.6867 4.39019 16.7979 3.95964 16.7979H3.29297V15.5479H3.95964C4.15172 15.5479 4.33068 15.4988 4.49651 15.4006C4.66234 15.3024 4.78894 15.164 4.8763 14.9854L8.45964 8.23535L9.3138 8.69369C9.78601 8.97148 10.1193 9.36035 10.3138 9.86035C10.5083 10.3604 10.5221 10.8742 10.3555 11.402L9.58464 13.8187C10.2235 13.9715 10.6923 14.3361 10.9909 14.9124C11.2895 15.4888 11.3416 16.0965 11.1471 16.7354L10.4596 18.9437C10.3208 19.3604 10.0881 19.7076 9.76172 19.9854C9.43534 20.2631 9.05684 20.4367 8.6263 20.5062L4.20964 21.1937ZM20.7096 21.1937L16.293 20.5062C15.8624 20.4367 15.4839 20.2631 15.1576 19.9854C14.8312 19.7076 14.5985 19.3604 14.4596 18.9437L13.7721 16.7354C13.5777 16.0965 13.6298 15.4888 13.9284 14.9124C14.227 14.3361 14.6958 13.9715 15.3346 13.8187L14.5638 11.402C14.3971 10.8742 14.411 10.3604 14.6055 9.86035C14.7999 9.36035 15.1333 8.97148 15.6055 8.69369L16.4596 8.23535L20.043 14.9854C20.1303 15.164 20.2569 15.3024 20.4228 15.4006C20.5886 15.4988 20.7676 15.5479 20.9596 15.5479H21.6263V16.7979H20.9596C20.5291 16.7979 20.1333 16.6867 19.7721 16.4645C19.411 16.2423 19.1333 15.9437 18.9388 15.5687L16.0013 10.027C15.8624 10.1381 15.7721 10.284 15.7305 10.4645C15.6888 10.6451 15.6958 10.8256 15.7513 11.0062L17.6055 16.8187L16.418 17.1937L15.7096 15.0062C15.4041 15.0756 15.1784 15.2423 15.0326 15.5062C14.8867 15.7701 14.8624 16.0479 14.9596 16.3395L15.6471 18.5479C15.7159 18.7417 15.8234 18.9048 15.9696 19.037C16.1158 19.1692 16.286 19.2492 16.4805 19.277L20.8763 19.9437L20.7096 21.1937Z\" fill=\"#32372C\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Consultez nos \u00e9v\u00e9nements<\/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 class=\"elementor-element elementor-element-0cd7544 elementor-hidden-tablet elementor-hidden-mobile elementor-widget__width-inherit dce_masking-none elementor-widget elementor-widget-image\" data-id=\"0cd7544\" 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 loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"534\" src=\"https:\/\/www.make-it-in-munich.com\/wp-content\/uploads\/2024\/11\/Make-it-in-Munich-Shooting-4-1024x684.webp\" class=\"attachment-large size-large wp-image-3942\" alt=\"\" srcset=\"\/\/www.make-it-in-munich.com\/wp-content\/uploads\/2024\/11\/Make-it-in-Munich-Shooting-4-1024x684.webp 1024w, \/\/www.make-it-in-munich.com\/wp-content\/uploads\/2024\/11\/Make-it-in-Munich-Shooting-4-300x200.webp 300w, \/\/www.make-it-in-munich.com\/wp-content\/uploads\/2024\/11\/Make-it-in-Munich-Shooting-4-768x513.webp 768w, \/\/www.make-it-in-munich.com\/wp-content\/uploads\/2024\/11\/Make-it-in-Munich-Shooting-4-1536x1025.webp 1536w, \/\/www.make-it-in-munich.com\/wp-content\/uploads\/2024\/11\/Make-it-in-Munich-Shooting-4-2048x1367.webp 2048w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\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\t\t<\/div>\n\t\t\t\t<\/div>\n\t\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\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Retraite \u00e0 Munich : comment l&rsquo;\u00c9tat vous aide-t-il ? Prendre sa retraite en toute s\u00e9curit\u00e9 financi\u00e8re peut \u00eatre un d\u00e9fi \u00e0 l&rsquo;heure actuelle. Nous avons rassembl\u00e9 quelques informations sur le syst\u00e8me de retraite allemand. Prenez cela au s\u00e9rieux : il est important de savoir quelles sont les mesures \u00e0 prendre &#8211; le plus t\u00f4t possible.&hellip; <a class=\"continue\" href=\"https:\/\/www.make-it-in-munich.com\/fr\/vivre-a-munich\/droits-sociaux\/retraite\/\">Continue Reading<span> Retraite<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":21974,"parent":21972,"menu_order":4,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-22353","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Retraite \u00e0 Munich : comment l&#039;\u00c9tat vous aide-t-il ?<\/title>\n<meta name=\"description\" content=\"Prendre sa retraite en toute s\u00e9curit\u00e9 financi\u00e8re peut \u00eatre un d\u00e9fi \u00e0 l&#039;heure actuelle. 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