{"id":360,"date":"2026-08-03T07:51:31","date_gmt":"2026-08-03T07:51:31","guid":{"rendered":"https:\/\/invexa.swiss\/?page_id=360"},"modified":"2026-08-29T09:51:01","modified_gmt":"2026-08-29T09:51:01","slug":"pillar-3a","status":"publish","type":"page","link":"https:\/\/invexa.swiss\/en\/pilier-3a\/","title":{"rendered":"Pillar 3a"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"360\" class=\"elementor elementor-360\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f5dfd6e e-flex e-con-boxed e-con e-parent\" data-id=\"f5dfd6e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-d7b2815 e-con-full e-flex e-con e-child\" data-id=\"d7b2815\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8d0d780 elementor-widget elementor-widget-heading\" data-id=\"8d0d780\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Pilier 3a en Suisse: guide de la pr\u00e9voyance li\u00e9e (2026)<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6f6aeca elementor-widget elementor-widget-text-editor\" data-id=\"6f6aeca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>En 2026, le pilier 3a en Suisse permet de d\u00e9duire jusqu&rsquo;\u00e0 <strong>7&rsquo;258 CHF<\/strong> et d&rsquo;effectuer des rachats r\u00e9troactifs pour la premi\u00e8re fois. Bien plus qu&rsquo;une simple d\u00e9duction fiscale, la pr\u00e9voyance li\u00e9e est un des leviers les plus importants dans la <strong>pr\u00e9paration de la retraite<\/strong>.<\/p><p>Ce guide ind\u00e9pendant d\u00e9crypte les nouvelles r\u00e8gles 2026, l&rsquo;optimisation des retraits et l&rsquo;arbitrage crucial entre banque et assurance pour prot\u00e9ger votre capital et votre famille.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c48c3c1 posts-slider elementor-mobile-align-justify elementor-widget-mobile__width-inherit elementor-widget elementor-widget-button\" data-id=\"c48c3c1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#en-bref\">\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 aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">D\u00e9couvrir le pilier 3a<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f76a119 elementor-mobile-align-justify elementor-align-left elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-widget elementor-widget-button\" data-id=\"f76a119\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"http:\/\/invexa.swiss\/planifier-un-rendez-vous\/\">\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\">Prendre rendez-vous<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a2545be e-con-full e-flex e-con e-child\" data-id=\"a2545be\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-e47ccb1 e-con-full e-flex e-con e-child\" data-id=\"e47ccb1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-51413d7 elementor-widget elementor-widget-spacer\" data-id=\"51413d7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-32a8919 e-con-full e-flex e-con e-child\" data-id=\"32a8919\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c299f1e elementor-blockquote--skin-quotation elementor-widget elementor-widget-blockquote\" data-id=\"c299f1e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"blockquote.default\">\n\t\t\t\t\t\t\t<blockquote class=\"elementor-blockquote\">\n\t\t\t<p class=\"elementor-blockquote__content\">\n\t\t\t\tLe pilier 3a est une strat\u00e9gie. Chez Invexa, nous vous conseillons de mani\u00e8re ind\u00e9pendante, avec des partenaires bancaires et assurantiels soigneusement s\u00e9lectionn\u00e9s.\t\t\t<\/p>\n\t\t\t\t\t<\/blockquote>\n\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-6c7f6a41 e-flex e-con-boxed e-con e-parent\" data-id=\"6c7f6a41\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-3ca1b9ea e-con-full e-flex e-con e-child\" data-id=\"3ca1b9ea\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f71535 posts-slider elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"f71535\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#definition\">\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\">D\u00e9finition<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-49ca7866 posts-slider elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"49ca7866\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#montants\">\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\">Montants<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1720d650 posts-slider elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"1720d650\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#fiscalite\">\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\">Fiscalit\u00e9<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4452a703 posts-slider elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"4452a703\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#retrait\">\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\">Retrait<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8baa274 posts-slider elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"8baa274\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#calculateur3a\">\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\">Calculateur 3a<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-17d29933 posts-slider elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"17d29933\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#faq\">\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\">FAQ<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\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<div class=\"elementor-element elementor-element-460df29e e-flex e-con-boxed e-con e-parent\" data-id=\"460df29e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-508903f5 e-con-full e-flex e-con e-child\" data-id=\"508903f5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-104b5abe elementor-widget elementor-widget-heading\" data-id=\"104b5abe\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"en-bref\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Le pilier 3a en bref<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ead0a12 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"ead0a12\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\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\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Le pilier 3a permet d\u2019<strong>\u00e9pargner pour la retraite<\/strong> tout en profitant d\u2019une <strong>d\u00e9duction fiscale<\/strong> annuelle.<\/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\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Plafond 2026: <strong>7'258 CHF<\/strong> pour les salari\u00e9s affili\u00e9s au 2\u1d49 pilier \/ jusqu\u2019\u00e0 <strong>36 288 CHF (20 % du revenu)<\/strong> pour les ind\u00e9pendants.<\/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\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Est \u00e9ligible toute personne exer\u00e7ant une <strong>activit\u00e9 lucrative soumise \u00e0 l\u2019AVS<\/strong>, y compris les frontaliers.<\/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\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Retrait possible entre <strong>\u22125 et +5 ans<\/strong> de la retraite ou avant sous conditions.<\/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\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Le capital retir\u00e9 est impos\u00e9 s\u00e9par\u00e9ment \u00e0 <strong>taux r\u00e9duit<\/strong>, selon le canton.<\/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\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Le capital 3a est <strong>exon\u00e9r\u00e9 d'imp\u00f4t sur la fortune<\/strong> toute la dur\u00e9e du contrat.<\/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\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Il est recommand\u00e9 d'<strong>ouvrir entre 3 et 5 comptes<\/strong> afin de les retirer sur plusieurs ann\u00e9es et ainsi r\u00e9duire la charge fiscale,<\/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<div class=\"elementor-element elementor-element-1acb3a41 e-con-full e-flex e-con e-child\" data-id=\"1acb3a41\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-32ea9484 elementor-widget elementor-widget-image\" data-id=\"32ea9484\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"536\" src=\"https:\/\/invexa.swiss\/wp-content\/uploads\/2026\/08\/Pilier-3a-dans-le-systeme-de-prevoyance-suisse-e1773732112503-1024x686.png\" class=\"attachment-large size-large wp-image-981\" alt=\"\" srcset=\"https:\/\/invexa.swiss\/wp-content\/uploads\/2026\/08\/Pilier-3a-dans-le-systeme-de-prevoyance-suisse-e1773732112503-1024x686.png 1024w, https:\/\/invexa.swiss\/wp-content\/uploads\/2026\/08\/Pilier-3a-dans-le-systeme-de-prevoyance-suisse-e1773732112503-300x201.png 300w, https:\/\/invexa.swiss\/wp-content\/uploads\/2026\/08\/Pilier-3a-dans-le-systeme-de-prevoyance-suisse-e1773732112503-768x514.png 768w, https:\/\/invexa.swiss\/wp-content\/uploads\/2026\/08\/Pilier-3a-dans-le-systeme-de-prevoyance-suisse-e1773732112503-1536x1028.png 1536w, https:\/\/invexa.swiss\/wp-content\/uploads\/2026\/08\/Pilier-3a-dans-le-systeme-de-prevoyance-suisse-e1773732112503.png 1613w\" 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 class=\"elementor-element elementor-element-7225a4a elementor-widget elementor-widget-text-editor\" data-id=\"7225a4a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><em>Sch\u00e9ma: La place du pilier 3a dans le syst\u00e8me de pr\u00e9voyance suisse<\/em><\/p>\t\t\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<div class=\"elementor-element elementor-element-439b42a2 e-flex e-con-boxed e-con e-parent\" data-id=\"439b42a2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6aa7089 e-con-full e-flex e-con e-child\" data-id=\"6aa7089\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-66c0b4db elementor-widget elementor-widget-heading\" data-id=\"66c0b4db\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"definition\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Qu\u2019est-ce que le pilier 3a ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7baa552 e-con-full e-flex e-con e-child\" data-id=\"7baa552\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-13459e2c elementor-widget elementor-widget-text-editor\" data-id=\"13459e2c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Introduit en 1972 dans la Constitution, le pilier 3a repr\u00e9sente la <strong>pr\u00e9voyance individuelle li\u00e9e<\/strong>. Il se caract\u00e9rise par son cadre fiscal avantageux et a pour but principal de <strong>pr\u00e9parer la retraite<\/strong>.<\/p><p>Cette pr\u00e9voyance priv\u00e9e repr\u00e9sente une <strong>\u00e9pargne volontaire<\/strong> qui vient compl\u00e9ter les<strong> deux premiers piliers (AVS et caisse de pensions)<\/strong> du <a href=\"http:\/\/invexa.swiss\/retraite-suisse\/\">syst\u00e8me de retraite suisse<\/a>\u00a0et qui, en contrepartie de <strong>d\u00e9ductions fiscales<\/strong>, pr\u00e9sente des restrictions sur les retraits. Les fonds accumul\u00e9s ne peuvent \u00eatre touch\u00e9s qu\u2019en cas de retraite, d\u2019invalidit\u00e9, de d\u00e9c\u00e8s, ou pour l\u2019achat d\u2019un premier logement, sous certaines conditions.<\/p>\t\t\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<div class=\"elementor-element elementor-element-165388f7 e-flex e-con-boxed e-con e-parent\" data-id=\"165388f7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-46ec2d77 e-con-full e-flex e-con e-child\" data-id=\"46ec2d77\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-670d3546 elementor-widget elementor-widget-heading\" data-id=\"670d3546\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Pilier 3a : avantages et inconv\u00e9nients<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-216ccec4 e-con-full e-flex e-con e-child\" data-id=\"216ccec4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-65303d09 e-con-full e-flex e-con e-child\" data-id=\"65303d09\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7747fc91 elementor-widget elementor-widget-heading\" data-id=\"7747fc91\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Avantages du pilier 3a<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a854118 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"a854118\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\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\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">D\u00e9ductions fiscales sur le revenu imposable<\/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\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">R\u00e9duction des imp\u00f4ts f\u00e9d\u00e9raux, cantonaux et communaux<\/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\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Compl\u00e9ment important \u00e0 la retraite (1er et 2e pilier)<\/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\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Rendement int\u00e9ressant via fonds de placement<\/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\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Imposition r\u00e9duite lors du retrait<\/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<div class=\"elementor-element elementor-element-56de32be e-con-full e-flex e-con e-child\" data-id=\"56de32be\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-159fd50b elementor-widget elementor-widget-heading\" data-id=\"159fd50b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Inconv\u00e9nients<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a4927cc elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"a4927cc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\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\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-times-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm0 448c-110.5 0-200-89.5-200-200S145.5 56 256 56s200 89.5 200 200-89.5 200-200 200zm101.8-262.2L295.6 256l62.2 62.2c4.7 4.7 4.7 12.3 0 17l-22.6 22.6c-4.7 4.7-12.3 4.7-17 0L256 295.6l-62.2 62.2c-4.7 4.7-12.3 4.7-17 0l-22.6-22.6c-4.7-4.7-4.7-12.3 0-17l62.2-62.2-62.2-62.2c-4.7-4.7-4.7-12.3 0-17l22.6-22.6c4.7-4.7 12.3-4.7 17 0l62.2 62.2 62.2-62.2c4.7-4.7 12.3-4.7 17 0l22.6 22.6c4.7 4.7 4.7 12.3 0 17z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Argent bloqu\u00e9 jusqu\u2019\u00e0 la retraite (exceptions limit\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\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-times-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm0 448c-110.5 0-200-89.5-200-200S145.5 56 256 56s200 89.5 200 200-89.5 200-200 200zm101.8-262.2L295.6 256l62.2 62.2c4.7 4.7 4.7 12.3 0 17l-22.6 22.6c-4.7 4.7-12.3 4.7-17 0L256 295.6l-62.2 62.2c-4.7 4.7-12.3 4.7-17 0l-22.6-22.6c-4.7-4.7-4.7-12.3 0-17l62.2-62.2-62.2-62.2c-4.7-4.7-4.7-12.3 0-17l22.6-22.6c4.7-4.7 12.3-4.7 17 0l62.2 62.2 62.2-62.2c4.7-4.7 12.3-4.7 17 0l22.6 22.6c4.7 4.7 4.7 12.3 0 17z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Plafond annuel de cotisation<\/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\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-times-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm0 448c-110.5 0-200-89.5-200-200S145.5 56 256 56s200 89.5 200 200-89.5 200-200 200zm101.8-262.2L295.6 256l62.2 62.2c4.7 4.7 4.7 12.3 0 17l-22.6 22.6c-4.7 4.7-12.3 4.7-17 0L256 295.6l-62.2 62.2c-4.7 4.7-12.3 4.7-17 0l-22.6-22.6c-4.7-4.7-4.7-12.3 0-17l62.2-62.2-62.2-62.2c-4.7-4.7-4.7-12.3 0-17l22.6-22.6c4.7-4.7 12.3-4.7 17 0l62.2 62.2 62.2-62.2c4.7-4.7 12.3-4.7 17 0l22.6 22.6c4.7 4.7 4.7 12.3 0 17z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Flexibilit\u00e9 limit\u00e9e<\/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\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-times-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm0 448c-110.5 0-200-89.5-200-200S145.5 56 256 56s200 89.5 200 200-89.5 200-200 200zm101.8-262.2L295.6 256l62.2 62.2c4.7 4.7 4.7 12.3 0 17l-22.6 22.6c-4.7 4.7-12.3 4.7-17 0L256 295.6l-62.2 62.2c-4.7 4.7-12.3 4.7-17 0l-22.6-22.6c-4.7-4.7-4.7-12.3 0-17l62.2-62.2-62.2-62.2c-4.7-4.7-4.7-12.3 0-17l22.6-22.6c4.7-4.7 12.3-4.7 17 0l62.2 62.2 62.2-62.2c4.7-4.7 12.3-4.7 17 0l22.6 22.6c4.7 4.7 4.7 12.3 0 17z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Imp\u00f4t \u00e0 payer lors du retrait du capital<\/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>\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-235d31b4 e-flex e-con-boxed e-con e-parent\" data-id=\"235d31b4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-74c7a159 e-con-full e-flex e-con e-child\" data-id=\"74c7a159\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5e519033 elementor-widget elementor-widget-heading\" data-id=\"5e519033\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"montants\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Combien puis-je cotiser dans mon pilier 3a en 2026 ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2432b9b2 e-con-full e-flex e-con e-child\" data-id=\"2432b9b2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1c235ac5 elementor-widget elementor-widget-text-editor\" data-id=\"1c235ac5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>En 2026, il est possible de verser les <strong>montants suivants<\/strong> dans la pr\u00e9voyance individuelle li\u00e9e:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d9b07f0 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"d9b07f0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\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\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Salari\u00e9 affili\u00e9 \u00e0 une caisse de pension:<\/strong> Jusqu'\u00e0 CHF 7'258 \/ an<\/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\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Ind\u00e9pendant ou salari\u00e9 non affili\u00e9 \u00e0 un caisse de pension:<\/strong> 20% du revenu, au maximum CHF 36'288<\/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\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-733d3a8e e-flex e-con-boxed e-con e-parent\" data-id=\"733d3a8e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-baa1d6a e-con-full e-flex e-con e-child\" data-id=\"baa1d6a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5845293c elementor-widget elementor-widget-heading\" data-id=\"5845293c\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"conditions\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Qui peut ouvrir un compte de pr\u00e9voyance li\u00e9e ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-49df0669 e-con-full e-flex e-con e-child\" data-id=\"49df0669\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4ca0ebb7 elementor-widget elementor-widget-text-editor\" data-id=\"4ca0ebb7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/www.bsv.admin.ch\/fr\/le-troisieme-pilier#Personnes-autoris%C3%A9es-%C3%A0-se-constituer-un-pilier-3a\" target=\"_blank\" rel=\"noopener\">Toute personne exer\u00e7ant une activit\u00e9 lucrative<\/a> soumise \u00e0 l&rsquo;AVS en Suisse peut ouvrir un pilier 3a. Cela inclut les salari\u00e9s, les ind\u00e9pendants, les b\u00e9n\u00e9ficiaires d&rsquo;une indemnit\u00e9 ch\u00f4mage, et les <a href=\"http:\/\/invexa.swiss\/3eme-pilier-frontalier\/\">frontaliers<\/a>.<\/p>\t\t\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<div class=\"elementor-element elementor-element-63635b18 e-flex e-con-boxed e-con e-parent\" data-id=\"63635b18\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-7bb5fa3f e-con-full e-flex e-con e-child\" data-id=\"7bb5fa3f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5ca1959e elementor-widget elementor-widget-heading\" data-id=\"5ca1959e\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"fiscalite\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Quels sont les avantages fiscaux du pilier 3a ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-42da7586 e-con-full e-flex e-con e-child\" data-id=\"42da7586\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-77a89770 elementor-widget elementor-widget-text-editor\" data-id=\"77a89770\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Les cotisations vers\u00e9es sont <strong>d\u00e9ductibles du revenu imposable<\/strong> au niveau f\u00e9d\u00e9ral, ce qui permet de r\u00e9duire l\u2019imposition annuelle.<\/p><p>De plus, durant le contrat, aucun imp\u00f4t sur la fortune ne sera pr\u00e9lev\u00e9, ce qui permet de faire fructifier le capital sans frais suppl\u00e9mentaires.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-268ce59b elementor-widget elementor-widget-image\" data-id=\"268ce59b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"450\" src=\"https:\/\/invexa.swiss\/wp-content\/uploads\/2026\/08\/Economies-dimpots-cumules-grace-au-pilier-3a-1024x576.png\" class=\"attachment-large size-large wp-image-983\" alt=\"\" srcset=\"https:\/\/invexa.swiss\/wp-content\/uploads\/2026\/08\/Economies-dimpots-cumules-grace-au-pilier-3a-1024x576.png 1024w, https:\/\/invexa.swiss\/wp-content\/uploads\/2026\/08\/Economies-dimpots-cumules-grace-au-pilier-3a-300x169.png 300w, https:\/\/invexa.swiss\/wp-content\/uploads\/2026\/08\/Economies-dimpots-cumules-grace-au-pilier-3a-768x432.png 768w, https:\/\/invexa.swiss\/wp-content\/uploads\/2026\/08\/Economies-dimpots-cumules-grace-au-pilier-3a-1536x864.png 1536w, https:\/\/invexa.swiss\/wp-content\/uploads\/2026\/08\/Economies-dimpots-cumules-grace-au-pilier-3a.png 1920w\" 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 class=\"elementor-element elementor-element-66320476 elementor-widget elementor-widget-text-editor\" data-id=\"66320476\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><em>Graphique: Economies d\u2019imp\u00f4ts cumul\u00e9s gr\u00e2ce aux versements dans le pilier 3a<\/em><\/p><p>Sur un an, vous pourriez potentiellement <strong>\u00e9conomiser 2&rsquo;240 CHF d&rsquo;imp\u00f4ts<\/strong>. Sur cinq ans, cela repr\u00e9senterait environ <strong>11&rsquo;200 CHF<\/strong> d&rsquo;imp\u00f4ts \u00e9conomis\u00e9s.<\/p><p>Sc\u00e9nario: c\u00e9libataire r\u00e9sident \u00e0 Gen\u00e8ve et gagnant un revenu brut de 100&rsquo;000 CHF.<\/p>\t\t\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<div class=\"elementor-element elementor-element-7f7eb7d e-flex e-con-boxed e-con e-parent\" data-id=\"7f7eb7d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-75d39102 e-con-full e-flex e-con e-child\" data-id=\"75d39102\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-76df8af7 elementor-widget elementor-widget-heading\" data-id=\"76df8af7\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"calcul-fiscal\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Comment calculer la d\u00e9duction fiscale dans le pilier 3a ?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6643ba71 e-con-full e-flex e-con e-child\" data-id=\"6643ba71\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6f3c05e4 elementor-widget elementor-widget-text-editor\" data-id=\"6f3c05e4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Pour calculer la d\u00e9duction fiscale dont vous b\u00e9n\u00e9ficierez, vous devrez conna\u00eetre votre taux marginal d&rsquo;imposition. Prenons cet exemple:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-42ed89d5 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"42ed89d5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\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\"><b>Canton:<\/b> Gen\u00e8ve (GE)<\/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\"><b>Commune:<\/b> Gen\u00e8ve (1205)<\/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\"><b>Nombre d'enfants \u00e0 charge:<\/b> 2<\/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<div class=\"elementor-element elementor-element-15b255cb e-con-full e-flex e-con e-child\" data-id=\"15b255cb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-261f0d61 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"261f0d61\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\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. <b>Revenu annuel net:<\/b> 90'000 CHF<\/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. <b>Versement 3a:<\/b> \u20137\u2019258 CHF<\/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. <b>Autres d\u00e9ductions fiscales (forfaitaires):<\/b> -52'594 CHF<\/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\">4. <b>Revenu imposable:<\/b> env. 70'500 CHF<\/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\">5<b>. Revenu imposable:<\/b> Taux cantonal : 148.5 %<\/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\">6. <b>Taux communal (ville de Gen\u00e8ve):<\/b> 45.5 %<\/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\">7<b>. Total :<\/b> 194 %<\/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 class=\"elementor-element elementor-element-2e492c4a elementor-widget elementor-widget-text-editor\" data-id=\"2e492c4a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Apr\u00e8s application de ces taux et du bar\u00e8me fiscal progressif du canton, on obtient:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6af4f301 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"6af4f301\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\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\">8.<b> Total imp\u00f4ts avec 3a:<\/b> 1692 CHF<\/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\">9. <b>Total imp\u00f4ts sans 3a:<\/b> 3\u2019049 CHF<\/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 class=\"elementor-element elementor-element-58709609 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"58709609\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\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\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Autrement dit, en versant 7\u2019258 CHF dans votre pilier 3a, vous pourriez r\u00e9duire vos imp\u00f4ts d\u2019environ <b>1\u2019350 CHF par an<\/b> \u00e0 Gen\u00e8ve.<\/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\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Cela repr\u00e9sente pr\u00e8s de <b>19 % d\u2019\u00e9conomie<\/b> sur votre versement.<\/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>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5cbe0301 e-flex e-con-boxed e-con e-parent\" data-id=\"5cbe0301\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-448f57b6 e-con-full e-flex e-con e-child\" data-id=\"448f57b6\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5b51b31a elementor-widget elementor-widget-heading\" data-id=\"5b51b31a\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"banque-ou-assurance\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Choisir entre un pilier 3a en banque ou en assurance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3dbddf97 elementor-widget elementor-widget-text-editor\" data-id=\"3dbddf97\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Il existe une multitude de possibilit\u00e9s dans la <strong>pr\u00e9voyance li\u00e9e<\/strong>. On distingue d&rsquo;abord deux grandes cat\u00e9gories: le <strong><a href=\"http:\/\/invexa.swiss\/3eme-pilier-banque-ou-assurance\/\">pilier 3a en banque et le pilier 3a en assurance<\/a><\/strong>.<\/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-5a049ba8 e-con-full e-flex e-con e-child\" data-id=\"5a049ba8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1c0dc62 elementor-widget elementor-widget-html\" data-id=\"1c0dc62\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"Table\",\n  \"name\": \"Comparatif 3\u00e8me pilier assurance vs banque en Suisse 2026\",\n  \"description\": \"Tableau comparatif complet entre pilier 3a en assurance et pilier 3a en banque : versements, placements, couvertures, garanties et avantages.\",\n  \"keywords\": [\"3a assurance ou banque\", \"pilier 3a comparatif assurance banque\", \"3\u00e8me pilier banque assurance suisse\", \"pr\u00e9voyance 3a suisse 2026\"]\n}\n<\/script>\n<div class=\"t\">\n  <table style=\"table-layout:fixed;\">\n    <colgroup>\n      <col style=\"width:25%;\">\n      <col style=\"width:37.5%;\">\n      <col style=\"width:37.5%;\">\n    <\/colgroup>\n    <caption style=\"display:none\">Comparatif 3\u00e8me pilier assurance vs banque en Suisse 2026 \u2014 versements, placements, couvertures, garanties et avantages<\/caption>\n    <thead>\n      <tr>\n        <th scope=\"col\">Crit\u00e8res<\/th>\n        <th scope=\"col\">3A assurance<\/th>\n        <th scope=\"col\">3A banque<\/th>\n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr>\n        <td>Fr\u00e9quence des versements<\/td>\n        <td data-label=\"3A assurance\">D\u00e9termin\u00e9e \u00e0 l'avance<\/td>\n        <td data-label=\"3A banque\"><span class=\"frais-low\">Flexible<\/span><\/td>\n      <\/tr>\n      <tr>\n        <td>Type de placement<\/td>\n        <td data-label=\"3A assurance\">Classique (\u00e9pargne simple), Mixte (\u00e9pargne\/risque), jusqu'\u00e0 100 % fonds<\/td>\n        <td data-label=\"3A banque\">Classique (\u00e9pargne simple), jusqu'\u00e0 100 % fonds<\/td>\n      <\/tr>\n      <tr>\n        <td>Exc\u00e9dents<\/td>\n        <td data-label=\"3A assurance\"><span class=\"frais-low\">Participation aux exc\u00e9dents<\/span><\/td>\n        <td data-label=\"3A banque\">Aucune participation aux exc\u00e9dents<\/td>\n      <\/tr>\n      <tr>\n        <td>Couverture possible<\/td>\n        <td data-label=\"3A assurance\"><span class=\"frais-low\">Cas d\u00e9c\u00e8s, cas invalidit\u00e9<\/span><\/td>\n        <td data-label=\"3A banque\">Aucune<\/td>\n      <\/tr>\n      <tr>\n        <td>Garantie en cas de faillite<\/td>\n        <td data-label=\"3A assurance\"><span class=\"frais-low\">Montant garanti \u00e0 100 %<\/span><\/td>\n        <td data-label=\"3A banque\">Montant garanti jusqu'\u00e0 CHF 100'000<\/td>\n      <\/tr>\n      <tr>\n        <td>Lib\u00e9ration des primes en cas d'IG<\/td>\n        <td data-label=\"3A assurance\"><span class=\"frais-low\">Possible<\/span><\/td>\n        <td data-label=\"3A banque\">Aucune<\/td>\n      <\/tr>\n      <tr>\n        <td>Horizon de placement<\/td>\n        <td data-label=\"3A assurance\">Moyen \u00e0 long terme uniquement<\/td>\n        <td data-label=\"3A banque\"><span class=\"frais-low\">Court (compte), moyen \u00e0 long terme (fonds)<\/span><\/td>\n      <\/tr>\n      <tr>\n        <td>Part de capital garanti<\/td>\n        <td data-label=\"3A assurance\"><span class=\"frais-low\">Possible<\/span><\/td>\n        <td data-label=\"3A banque\">Aucun<\/td>\n      <\/tr>\n      <tr>\n        <td>Mise en gage<\/td>\n        <td data-label=\"3A assurance\">Possible<\/td>\n        <td data-label=\"3A banque\">Possible<\/td>\n      <\/tr>\n      <tr>\n        <td>Avantages principaux<\/td>\n        <td data-label=\"3A assurance\">Couvertures d'assurance, continuit\u00e9 de l'\u00e9pargne en cas d'IG, participation aux exc\u00e9dents, garantie des montants<\/td>\n        <td data-label=\"3A banque\">Valeur de rachat sup\u00e9rieure, meilleur rendement court terme apr\u00e8s d\u00e9duction des frais, flexibilit\u00e9 des versements<\/td>\n      <\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-259b8fa8 elementor-widget elementor-widget-image\" data-id=\"259b8fa8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"450\" src=\"https:\/\/invexa.swiss\/wp-content\/uploads\/2026\/08\/3eme-pilier-en-banque-vs-assurance-1024x576.png\" class=\"attachment-large size-large wp-image-984\" alt=\"\" srcset=\"https:\/\/invexa.swiss\/wp-content\/uploads\/2026\/08\/3eme-pilier-en-banque-vs-assurance-1024x576.png 1024w, https:\/\/invexa.swiss\/wp-content\/uploads\/2026\/08\/3eme-pilier-en-banque-vs-assurance-300x169.png 300w, https:\/\/invexa.swiss\/wp-content\/uploads\/2026\/08\/3eme-pilier-en-banque-vs-assurance-768x432.png 768w, https:\/\/invexa.swiss\/wp-content\/uploads\/2026\/08\/3eme-pilier-en-banque-vs-assurance.png 1440w\" 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 class=\"elementor-element elementor-element-5f2d531c elementor-widget elementor-widget-text-editor\" data-id=\"5f2d531c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><em>Sch\u00e9ma: Possibilit\u00e9s de placement en banque et en assurance dans le pilier 3a<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7a2981c6 e-con-full e-flex e-con e-child\" data-id=\"7a2981c6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-61da9881 elementor-widget elementor-widget-heading\" data-id=\"61da9881\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Frais: assurance VS banque<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-242ab2e7 elementor-widget elementor-widget-text-editor\" data-id=\"242ab2e7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Une bonne assurance 3a li\u00e9e \u00e0 des fonds est la plupart du temps <strong>moins ch\u00e8re<\/strong> qu&rsquo;un pilier 3a bancaire sur le long-terme. En assurance, les frais sont cependant pr\u00e9lev\u00e9s en d\u00e9but de contrat. C&rsquo;est un \u00e9l\u00e9ment qui doit \u00eatre pris en compte en cas de d\u00e9sir de retrait anticip\u00e9.<\/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-24ac6ba0 e-flex e-con-boxed e-con e-parent\" data-id=\"24ac6ba0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-25b91fc1 e-con-full e-flex e-con e-child\" data-id=\"25b91fc1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5a854262 elementor-widget elementor-widget-heading\" data-id=\"5a854262\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"retrait\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Retrait du pilier 3a : les conditions de versement anticip\u00e9<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-464b8578 elementor-widget elementor-widget-text-editor\" data-id=\"464b8578\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Les <a href=\"https:\/\/www.bsv.admin.ch\/bsv\/fr\/home\/assurances-sociales\/bv\/grundlagen-und-gesetze\/grundlagen\/gebundene-selbstvorsorge.html\" target=\"_blank\" rel=\"noopener\">conditions de retrait anticip\u00e9<\/a> du pilier 3a sont strictement encadr\u00e9es pour garantir que l\u2019\u00e9pargne reste destin\u00e9e \u00e0 la pr\u00e9voyance et \u00e0 la retraite. Voici un d\u00e9tail des diff\u00e9rentes situations dans lesquelles il est possible de proc\u00e9der \u00e0 un versement anticip\u00e9, que ce soit partiellement ou totalement :<\/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-aacf56c e-con-full e-flex e-con e-child\" data-id=\"aacf56c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5bfe4592 elementor-widget elementor-widget-heading\" data-id=\"5bfe4592\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">1. \u00c2ge de la retraite<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-75d2ed95 elementor-widget elementor-widget-text-editor\" data-id=\"75d2ed95\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>\u00a0Les prestations de vieillesse peuvent \u00eatre vers\u00e9es au plus t\u00f4t <strong>5 ans<\/strong> avant que l&rsquo;assur\u00e9 n&rsquo;atteigne l&rsquo;\u00e2ge ordinaire de la retraite de l&rsquo;AVS (\u00ab \u00e2ge de r\u00e9f\u00e9rence \u00bb) et au plus tard cinq ans apr\u00e8s.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-238799eb elementor-widget elementor-widget-heading\" data-id=\"238799eb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">2. Rachat de cotisations du 2e pilier<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3799d08b elementor-widget elementor-widget-text-editor\" data-id=\"3799d08b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Le versement anticip\u00e9 est autoris\u00e9 lorsque l&rsquo;\u00e9pargne du pilier 3a sert \u00e0 <strong>racheter des cotisations<\/strong> dans une institution de pr\u00e9voyance du 2e pilier. Cette option permet de compl\u00e9ter ou de r\u00e9gulariser le capital de la pr\u00e9voyance professionnelle en cas de <strong>lacunes<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5774afce elementor-widget elementor-widget-heading\" data-id=\"5774afce\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">3. Lors de la perception d'une rente AI compl\u00e8te<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-35e89cc3 elementor-widget elementor-widget-text-editor\" data-id=\"35e89cc3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>\u00a0Si le preneur de pr\u00e9voyance est mis au b\u00e9n\u00e9fice d&rsquo;une rente enti\u00e8re d&rsquo;invalidit\u00e9 de l&rsquo;AI et que le risque d&rsquo;invalidit\u00e9 n&rsquo;est pas assur\u00e9 par la pr\u00e9voyance, le versement anticip\u00e9 peut \u00eatre activ\u00e9.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-65836ec6 elementor-widget elementor-widget-heading\" data-id=\"65836ec6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">4. Changement d\u2019activit\u00e9 lucrative ind\u00e9pendante<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3771e21d elementor-widget elementor-widget-text-editor\" data-id=\"3771e21d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Le versement anticip\u00e9 est \u00e9galement envisageable pour le preneur de pr\u00e9voyance qui change d\u2019activit\u00e9 lucrative ind\u00e9pendante. Cela permet de disposer de liquidit\u00e9s n\u00e9cessaires pour accompagner sa<strong> transition professionnelle<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5293dc66 elementor-widget elementor-widget-heading\" data-id=\"5293dc66\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">5. Lancement d'une activit\u00e9 ind\u00e9pendante<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1f16ad5f elementor-widget elementor-widget-text-editor\" data-id=\"1f16ad5f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Dans le cas o\u00f9 le preneur de pr\u00e9voyance s\u2019\u00e9tablit \u00e0 son <strong>propre compte<\/strong>, le retrait anticip\u00e9 peut \u00eatre sollicit\u00e9. L\u2019objectif est d\u2019apporter un soutien financier lors du d\u00e9marrage d\u2019une activit\u00e9 ind\u00e9pendante ou entrepreneuriale, souvent crucial dans les premi\u00e8res phases de cr\u00e9ation d\u2019entreprise.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4312f9c5 elementor-widget elementor-widget-heading\" data-id=\"4312f9c5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">6. D\u00e9part d\u00e9finitif de la Suisse<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-662c40f9 elementor-widget elementor-widget-text-editor\" data-id=\"662c40f9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Si le preneur de pr\u00e9voyance <strong>quitte d\u00e9finitivement la Suisse<\/strong>, il peut proc\u00e9der \u00e0 un retrait anticip\u00e9 de ses fonds. Cette disposition vise \u00e0 permettre \u00e0 l\u2019assur\u00e9 de disposer de son \u00e9pargne lorsqu\u2019il s\u2019installe \u00e0 l\u2019\u00e9tranger.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-306ca7f6 elementor-widget elementor-widget-heading\" data-id=\"306ca7f6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">7. Acquisition d\u2019un logement ou remboursement d'un pr\u00eat hypoth\u00e9caire<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5837c35f elementor-widget elementor-widget-text-editor\" data-id=\"5837c35f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Le versement anticip\u00e9 est \u00e9galement possible lorsque les fonds sont utilis\u00e9s pour acqu\u00e9rir un logement en propri\u00e9t\u00e9 pour ses <strong>propres besoins<\/strong> ou pour rembourser des pr\u00eats hypoth\u00e9caires. Cette condition facilite l\u2019accession \u00e0 la propri\u00e9t\u00e9, en permettant aux assur\u00e9s d\u2019utiliser leur \u00e9pargne de mani\u00e8re concr\u00e8te dans le cadre d\u2019un projet immobilier.<\/p>\t\t\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<div class=\"elementor-element elementor-element-6595da1 e-flex e-con-boxed e-con e-parent\" data-id=\"6595da1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-f1f35f8 e-con-full e-flex e-con e-child\" data-id=\"f1f35f8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e594537 elementor-widget elementor-widget-heading\" data-id=\"e594537\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Imp\u00f4t lors du retrait<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fa45739 elementor-widget elementor-widget-text-editor\" data-id=\"fa45739\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Le retrait d&rsquo;un 3\u00e8me pilier li\u00e9 (3a) en Suisse est soumis \u00e0 un<strong> imp\u00f4t unique sur les prestations en capital<\/strong> (tout comme l&rsquo;<a href=\"http:\/\/invexa.swiss\/impot-retrait-2eme-pilier\/\">imp\u00f4t sur le retrait du 2\u00e8me pilier<\/a>), pr\u00e9lev\u00e9 s\u00e9par\u00e9ment du revenu ordinaire \u00e0 un taux r\u00e9duit. Cet imp\u00f4t varie selon le canton, la commune et le montant retir\u00e9. Un compte 3a doit toujours \u00eatre retir\u00e9 en entier.<\/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-c565b60 e-con-full e-flex e-con e-child\" data-id=\"c565b60\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f967d59 elementor-widget elementor-widget-heading\" data-id=\"f967d59\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Comment \u00e7a marche ?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-acee3a1 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"acee3a1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\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\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>Imposition s\u00e9par\u00e9e :<\/b> Le capital retir\u00e9 n'est pas additionn\u00e9 au salaire de l'ann\u00e9e, mais il est tax\u00e9 selon le bar\u00e8me propre aux prestations de pr\u00e9voyance.<\/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\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>Taux r\u00e9duit :<\/b> L'imp\u00f4t f\u00e9d\u00e9ral direct est calcul\u00e9 environ \u00e0 1\/5e (20 %) du taux ordinaire dans la plupart des cantons. Les cantons appliquent \u00e9galement des bar\u00e8mes privil\u00e9gi\u00e9s et progressifs moins \u00e9lev\u00e9s.<\/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\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>Cumul des retraits :<\/b> Les retraits d'une m\u00eame ann\u00e9e (provenant d'autres comptes 3a ou du 2\u00e8me pilier) sont additionn\u00e9s pour calculer la progressivit\u00e9 de l'imp\u00f4t.<\/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 class=\"elementor-element elementor-element-29b6437 elementor-widget elementor-widget-heading\" data-id=\"29b6437\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Comment r\u00e9duire la charge fiscale ?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d839f2d elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"d839f2d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\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\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>\u00c9chelonner les retraits :<\/b> Ouvrir plusieurs comptes 3a au fil des ans et les vider sur des ann\u00e9es diff\u00e9rentes (d\u00e8s 5 ans avant l'\u00e2ge AVS, ou jusqu'\u00e0 5 ans apr\u00e8s si vous travaillez encore).<\/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\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>Attention aux conjoints :<\/b> Coordonner les retraits si vous \u00eates mari\u00e9s, car les montants per\u00e7us la m\u00eame ann\u00e9e s'additionnent dans la plupart des cantons.<\/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\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-561608ec e-flex e-con-boxed e-con e-parent\" data-id=\"561608ec\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-45fa1658 e-con-full e-flex e-con e-child\" data-id=\"45fa1658\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-22fcfc51 elementor-widget elementor-widget-heading\" data-id=\"22fcfc51\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Combien de comptes 3a puis-je d\u00e9tenir ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-56ab0ab3 e-con-full e-flex e-con e-child\" data-id=\"56ab0ab3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4c2d009b elementor-widget elementor-widget-text-editor\" data-id=\"4c2d009b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Il n&rsquo;existe <strong>pas de limite l\u00e9gale<\/strong> quant au nombre de comptes 3a que vous pouvez d\u00e9tenir. En pratique, vous pouvez ouvrir plusieurs comptes, par exemple un compte bancaire et un contrat d&rsquo;assurance-vie.<\/p><p>Toutefois, le plafond annuel de cotisation reste unique et s&rsquo;applique au cumul de tous vos versements, ce qui signifie que le montant total d\u00e9pos\u00e9 ne peut d\u00e9passer le plafond fix\u00e9 par la loi.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-24ca195a elementor-cta--layout-image-left elementor-cta--skin-classic elementor-animated-content elementor-bg-transform elementor-bg-transform-zoom-in elementor-widget elementor-widget-call-to-action\" data-id=\"24ca195a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"call-to-action.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-cta\">\n\t\t\t\t\t\t\t<div class=\"elementor-cta__content\">\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-cta__title elementor-cta__content-item elementor-content-item\">\n\t\t\t\t\t\tOptimisez votre pilier 3a\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-cta__description elementor-cta__content-item elementor-content-item\">\n\t\t\t\t\t\tVous souhaitez \u00eatre s\u00fbr de choisir la solution la plus avantageuse pour votre \u00e9pargne ? R\u00e9servez un rendez-vous gratuit de 15 minutes avec un expert en pr\u00e9voyance. Nous comparons objectivement les offres du march\u00e9 pour vous guider vers la solution la mieux adapt\u00e9e \u00e0 vos objectifs.\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-cta__button-wrapper elementor-cta__content-item elementor-content-item \">\n\t\t\t\t\t<a class=\"elementor-cta__button elementor-button elementor-size-\" href=\"http:\/\/invexa.swiss\/planifier-un-rendez-vous\/\">\n\t\t\t\t\t\tPlanifier un rendez-vous gratuit\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\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<div class=\"elementor-element elementor-element-68ca107a e-flex e-con-boxed e-con e-parent\" data-id=\"68ca107a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-3031be3c e-con-full e-flex e-con e-child\" data-id=\"3031be3c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4ef0b9ba elementor-widget elementor-widget-heading\" data-id=\"4ef0b9ba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Succession et clause b\u00e9n\u00e9ficiaire<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-54e50f00 e-con-full e-flex e-con e-child\" data-id=\"54e50f00\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6e4eb38a elementor-widget elementor-widget-text-editor\" data-id=\"6e4eb38a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tDans la pr\u00e9voyance li\u00e9e (pilier 3a), la clause b\u00e9n\u00e9ficiaire est strictement encadr\u00e9e par l\u2019art. 2 OPP 3. En cas de d\u00e9c\u00e8s, les avoirs ne tombent pas automatiquement dans la succession, mais sont vers\u00e9s aux personnes d\u00e9sign\u00e9es par la loi, dans un ordre pr\u00e9d\u00e9fini:\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1300ee79 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"1300ee79\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\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 <b>conjoint survivant<\/b> ou le partenaire enregistr\u00e9,<\/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 <b>descendants directs<\/b>, la personne ayant v\u00e9cu en concubinage avec le d\u00e9funt depuis au moins cinq ans, ou celle \u00e0 l\u2019entretien de qui le d\u00e9funt subvenait de mani\u00e8re substantielle,<\/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 parents,<\/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\">4. Les fr\u00e8res et s\u0153urs,<\/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\">5. les autres h\u00e9ritiers l\u00e9gaux.<\/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 class=\"elementor-element elementor-element-427dbf39 elementor-widget elementor-widget-text-editor\" data-id=\"427dbf39\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>L\u2019assur\u00e9 peut toutefois <strong>affiner cette hi\u00e9rarchie<\/strong> dans une certaine mesure. Par exemple, il peut choisir et <strong>r\u00e9partir<\/strong> librement les quotes-parts entre les personnes figurant au chiffre 2 (enfants, concubin, personnes \u00e0 charge). De m\u00eame, il peut <strong>modifier l\u2019ordre<\/strong> entre les cat\u00e9gories 3 \u00e0 5.<\/p><p>En revanche, le <strong>conjoint<\/strong> ou partenaire enregistr\u00e9 survivant reste <strong>prioritaire<\/strong> tant que la loi n\u2019a pas \u00e9volu\u00e9. \u00c0 noter que le Parlement et le <strong>Conseil f\u00e9d\u00e9ral<\/strong> examinent actuellement une r\u00e9forme de l\u2019OPP 3 qui devrait offrir plus de flexibilit\u00e9 dans la d\u00e9signation des b\u00e9n\u00e9ficiaires \u00e0 partir de 2027, notamment la possibilit\u00e9 de privil\u00e9gier les enfants m\u00eame en pr\u00e9sence d\u2019un conjoint.<\/p>\t\t\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<div class=\"elementor-element elementor-element-72dbed8e e-flex e-con-boxed e-con e-parent\" data-id=\"72dbed8e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-f0a0661 e-con-full e-flex e-con e-child\" data-id=\"f0a0661\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-52583f63 elementor-widget elementor-widget-heading\" data-id=\"52583f63\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Devenir propri\u00e9taire gr\u00e2ce au pilier 3a<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-57718f47 e-con-full e-flex e-con e-child\" data-id=\"57718f47\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-eaae882 elementor-widget elementor-widget-text-editor\" data-id=\"eaae882\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tUtiliser son 3\u00e8me pilier pour l&rsquo;achat immobilier est l&rsquo;une des strat\u00e9gies les plus courantes en Suisse pour constituer les fonds propres n\u00e9cessaires (g\u00e9n\u00e9ralement 20% du prix d&rsquo;achat). Cependant, deux options s&rsquo;offrent \u00e0 vous, avec des cons\u00e9quences fiscales et financi\u00e8res radicalement diff\u00e9rentes.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d75740c elementor-widget elementor-widget-heading\" data-id=\"d75740c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Le retrait anticip\u00e9 (EPL)<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-19ce9d2f elementor-widget elementor-widget-text-editor\" data-id=\"19ce9d2f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Le retrait au titre de l&rsquo;<a href=\"https:\/\/www.fedlex.admin.ch\/eli\/cc\/1994\/2379_2379_2379\/fr\" target=\"_blank\" rel=\"noopener\">Encouragement \u00e0 la Propri\u00e9t\u00e9 Logement (EPL)<\/a> permet de retirer tout ou partie de votre capital 3a pour financer votre r\u00e9sidence principale.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-49ffb785 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"49ffb785\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\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\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Avantages :<\/strong> Vous augmentez votre apport personnel, ce qui r\u00e9duit le montant de votre dette hypoth\u00e9caire et, par cons\u00e9quent, vos charges d'int\u00e9r\u00eats mensuelles.<\/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\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-times-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm0 448c-110.5 0-200-89.5-200-200S145.5 56 256 56s200 89.5 200 200-89.5 200-200 200zm101.8-262.2L295.6 256l62.2 62.2c4.7 4.7 4.7 12.3 0 17l-22.6 22.6c-4.7 4.7-12.3 4.7-17 0L256 295.6l-62.2 62.2c-4.7 4.7-12.3 4.7-17 0l-22.6-22.6c-4.7-4.7-4.7-12.3 0-17l62.2-62.2-62.2-62.2c-4.7-4.7-4.7-12.3 0-17l22.6-22.6c4.7-4.7 12.3-4.7 17 0l62.2 62.2 62.2-62.2c4.7-4.7 12.3-4.7 17 0l22.6 22.6c4.7 4.7 4.7 12.3 0 17z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Inconv\u00e9nients :<\/strong> Le capital retir\u00e9 est imm\u00e9diatement soumis \u00e0 l'imp\u00f4t sur le retrait de pr\u00e9voyance (\u00e0 un taux r\u00e9duit, s\u00e9par\u00e9 de vos autres revenus). De plus, vous r\u00e9duisez votre couverture de pr\u00e9voyance pour la retraite.<\/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\"><strong>R\u00e8gle d'or :<\/strong> Vous pouvez effectuer un retrait tous les 5 ans.<\/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 class=\"elementor-element elementor-element-23b45dc7 elementor-widget elementor-widget-heading\" data-id=\"23b45dc7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Le nantissement (mise en gage)<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6801f6b5 elementor-widget elementor-widget-text-editor\" data-id=\"6801f6b5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Le <strong>nantissement du 3\u00e8me pilier<\/strong> consiste \u00e0 utiliser votre contrat comme <strong>garantie aupr\u00e8s de la banque<\/strong>, sans retirer l&rsquo;argent.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-57814948 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"57814948\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\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\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Avantages :<\/strong> Votre capital continue de fructifier et de g\u00e9n\u00e9rer des int\u00e9r\u00eats (ou des rendements de fonds de placement). Surtout, vous \u00e9vitez l'imposition imm\u00e9diate li\u00e9e au retrait. Cela permet souvent de maintenir une dette plus \u00e9lev\u00e9e, ce qui est paradoxalement avantageux pour la d\u00e9duction fiscale des int\u00e9r\u00eats passifs sur votre d\u00e9claration d'imp\u00f4ts.<\/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\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-times-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm0 448c-110.5 0-200-89.5-200-200S145.5 56 256 56s200 89.5 200 200-89.5 200-200 200zm101.8-262.2L295.6 256l62.2 62.2c4.7 4.7 4.7 12.3 0 17l-22.6 22.6c-4.7 4.7-12.3 4.7-17 0L256 295.6l-62.2 62.2c-4.7 4.7-12.3 4.7-17 0l-22.6-22.6c-4.7-4.7-4.7-12.3 0-17l62.2-62.2-62.2-62.2c-4.7-4.7-4.7-12.3 0-17l22.6-22.6c4.7-4.7 12.3-4.7 17 0l62.2 62.2 62.2-62.2c4.7-4.7 12.3-4.7 17 0l22.6 22.6c4.7 4.7 4.7 12.3 0 17z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Inconv\u00e9nients :<\/strong> Vos mensualit\u00e9s hypoth\u00e9caires seront plus \u00e9lev\u00e9es puisque la dette n'est pas rembours\u00e9e par le capital du 3a.<\/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\"><strong>Utilit\u00e9 :<\/strong> C'est la solution privil\u00e9gi\u00e9e pour ceux qui ont un rendement de placement sup\u00e9rieur au taux de l'hypoth\u00e8que.<\/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 class=\"elementor-element elementor-element-3e6aa92c elementor-widget elementor-widget-heading\" data-id=\"3e6aa92c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Quelle solution choisir en 2026 ?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4b4516a9 elementor-widget elementor-widget-text-editor\" data-id=\"4b4516a9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Le choix d\u00e9pend principalement des taux hypoth\u00e9caires actuels et de votre charge fiscale. Si les taux sont bas, le <strong>nantissement<\/strong> est souvent math\u00e9matiquement sup\u00e9rieur. Si vous souhaitez minimiser vos charges mensuelles au maximum, le <strong>retrait<\/strong> est plus indiqu\u00e9.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fa24354 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"fa24354\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\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\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"500\" zoomAndPan=\"magnify\" viewBox=\"0 0 375 374.999991\" height=\"500\" preserveAspectRatio=\"xMidYMid meet\"><defs><clipPath id=\"e7a1bad639\"><path d=\"M 9.207031 9.207031 L 365.457031 9.207031 L 365.457031 365.457031 L 9.207031 365.457031 Z M 9.207031 9.207031 \" clip-rule=\"nonzero\"><\/path><\/clipPath><\/defs><g clip-path=\"url(#e7a1bad639)\"><path fill=\"#41bc6e\" d=\"M 165.246094 257.816406 C 161.804688 257.816406 158.507812 256.445312 156.089844 253.996094 L 90.425781 187.664062 L 108.730469 169.535156 L 165.097656 226.472656 L 266.136719 121.164062 L 284.734375 139.003906 L 174.539062 253.851562 C 172.132812 256.355469 168.816406 257.789062 165.34375 257.816406 L 165.242188 257.816406 Z M 365.808594 187.507812 C 365.808594 89.191406 285.824219 9.207031 187.507812 9.207031 C 136.644531 9.207031 88.074219 31.019531 54.25 69.042969 L 73.503906 86.164062 C 102.441406 53.636719 143.992188 34.976562 187.507812 34.976562 C 271.613281 34.976562 340.039062 103.402344 340.039062 187.507812 C 340.039062 271.613281 271.613281 340.046875 187.507812 340.046875 C 103.402344 340.046875 34.976562 271.617188 34.976562 187.507812 C 34.976562 168.476562 38.429688 149.917969 45.242188 132.355469 L 21.222656 123.03125 C 13.246094 143.585938 9.207031 165.273438 9.207031 187.507812 C 9.207031 285.824219 89.191406 365.8125 187.507812 365.8125 C 285.824219 365.8125 365.808594 285.824219 365.808594 187.507812 Z M 365.808594 187.507812 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Il est \u00e9galement possible de combiner les deux. Par exemple, retirer une partie pour atteindre les 20% de fonds propres et nantir le reste pour garantir l'amortissement indirect de votre pr\u00eat.<\/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\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2b1a5a72 e-flex e-con-boxed e-con e-parent\" data-id=\"2b1a5a72\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-45f5e9cc e-con-full e-flex e-con e-child\" data-id=\"45f5e9cc\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1ee93a17 elementor-widget elementor-widget-heading\" data-id=\"1ee93a17\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Rachat pilier 3a : comment combler ses lacunes de cotisations d\u00e8s 2026 ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-97515f6 e-con-full e-flex e-con e-child\" data-id=\"97515f6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5656a41f elementor-widget elementor-widget-text-editor\" data-id=\"5656a41f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>\u00c0 partir de 2025, le pilier 3a permet de <a href=\"http:\/\/invexa.swiss\/rachat-3eme-pilier\/\">racheter les cotisations non vers\u00e9es<\/a> des ann\u00e9es pr\u00e9c\u00e9dentes, offrant une opportunit\u00e9 d\u2019optimisation fiscale et de planification de retraite.<\/p><p>Les premiers rachats seront possibles <strong>d\u00e8s 2026<\/strong> pour combler les lacunes de 2025, avec une r\u00e9troactivit\u00e9 maximale de <strong>10 ans<\/strong>. Le montant annuel maximal de rachat est de <strong>7\u2019258 CHF<\/strong> (salari\u00e9s et ind\u00e9pendants), enti\u00e8rement d\u00e9ductible du revenu imposable.<\/p><p>Les conditions incluent un revenu soumis \u00e0 l\u2019AVS et le versement de la cotisation annuelle compl\u00e8te. Cette mesure s\u2019ajoute aux possibilit\u00e9s de transfert vers le 2\u00e8me pilier et constitue un outil strat\u00e9gique pour augmenter ses \u00e9conomies retraite tout en r\u00e9duisant ses imp\u00f4ts.<\/p>\t\t\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<div class=\"elementor-element elementor-element-a21bc15 e-flex e-con-boxed e-con e-parent\" data-id=\"a21bc15\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-7eca27f e-con-full e-flex e-con e-child\" data-id=\"7eca27f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2e777d8b elementor-widget elementor-widget-heading\" data-id=\"2e777d8b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Pilier 3a vs 3b: lequel choisir ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9c6bfbf e-con-full e-flex e-con e-child\" data-id=\"9c6bfbf\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-58dd29b0 elementor-widget elementor-widget-text-editor\" data-id=\"58dd29b0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"0\" data-end=\"244\">Deux variantes existent dans le <a href=\"http:\/\/invexa.swiss\/3eme-pilier\/\">3\u00e8me pilier (pr\u00e9voyance priv\u00e9e)<\/a>. Le pilier 3a est une <strong>\u00e9pargne retraite li\u00e9e<\/strong>, offrant d&rsquo;importantes d\u00e9ductions fiscales. Les fonds y sont bloqu\u00e9s et ne peuvent \u00eatre retir\u00e9s qu\u2019en cas d\u2019\u00e9v\u00e9nements sp\u00e9cifiques (retraite, achat de logement, invalidit\u00e9, d\u00e9part d\u00e9finitif de Suisse).<\/p><p data-start=\"246\" data-end=\"474\" data-is-last-node=\"\" data-is-only-node=\"\">Le <a href=\"http:\/\/invexa.swiss\/pilier-3b\/\">pilier 3b<\/a>, aussi appel\u00e9 <strong>pr\u00e9voyance libre<\/strong>, est, quant \u00e0 lui, une <strong>\u00e9pargne compl\u00e9mentaire<\/strong> plus flexible, sans contrainte d\u2019utilisation stricte. Bien qu\u2019il b\u00e9n\u00e9ficie de moins d\u2019avantages fiscaux lorsqu&rsquo;il est souscrit en assurance, il permet de disposer librement de ses fonds pour divers projets. En bref, faire la <strong><a href=\"http:\/\/invexa.swiss\/pilier-3a-ou-3b\/\">diff\u00e9rence entre un 3a et un 3b<\/a><\/strong> repose principalement dans la flexibilit\u00e9 ainsi que les d\u00e9ductions fiscales \u00e0 exploiter.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d346b98 elementor-cta--layout-image-left elementor-cta--skin-classic elementor-animated-content elementor-bg-transform elementor-bg-transform-zoom-in elementor-widget elementor-widget-call-to-action\" data-id=\"2d346b98\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"call-to-action.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-cta\">\n\t\t\t\t\t\t\t<div class=\"elementor-cta__content\">\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-cta__title elementor-cta__content-item elementor-content-item\">\n\t\t\t\t\t\tComparer les solutions du pilier 3a\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-cta__description elementor-cta__content-item elementor-content-item\">\n\t\t\t\t\t\tPour comparer les meilleures offres actuelles, demandez votre devis 3\u00e8me pilier personnalis\u00e9.\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-cta__button-wrapper elementor-cta__content-item elementor-content-item \">\n\t\t\t\t\t<a class=\"elementor-cta__button elementor-button elementor-size-\" href=\"http:\/\/contact\">\n\t\t\t\t\t\tObtenir un devis 3\u00e8me pilier\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\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<div class=\"elementor-element elementor-element-6e9d9dfc e-flex e-con-boxed e-con e-parent\" data-id=\"6e9d9dfc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-1cae552d e-con-full e-flex e-con e-child\" data-id=\"1cae552d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2938a427 elementor-widget elementor-widget-heading\" data-id=\"2938a427\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Cas particuliers : imp\u00f4t \u00e0 la source<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-210d465d e-con-full e-flex e-con e-child\" data-id=\"210d465d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2b3fba0e elementor-widget elementor-widget-text-editor\" data-id=\"2b3fba0e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Contrairement aux id\u00e9es re\u00e7ues, le pilier 3a n&rsquo;est pas r\u00e9serv\u00e9 aux d\u00e9tenteurs d&rsquo;un permis C ou aux Suisses. Cependant, pour les personnes impos\u00e9es \u00e0 la source (permis B, L ou frontaliers), l&rsquo;<strong>avantage fiscal n&rsquo;est pas automatique<\/strong> et n\u00e9cessite une d\u00e9marche active.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-27f8ee2b elementor-widget elementor-widget-heading\" data-id=\"27f8ee2b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Titulaires d'un permis B (r\u00e9sidents)<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7657b485 elementor-widget elementor-widget-text-editor\" data-id=\"7657b485\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Si vous \u00eates impos\u00e9 \u00e0 la source et gagnez moins de CHF 120&rsquo;000 par an, vos d\u00e9ductions 3a ne sont pas prises en compte dans votre bar\u00e8me mensuel.<\/p><p><strong>La solution:<\/strong> Vous devez demander une Taxation Ordinaire Ult\u00e9rieure (TOU) avant le 31 mars de l&rsquo;ann\u00e9e suivante<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5a8a3610 elementor-widget elementor-widget-heading\" data-id=\"5a8a3610\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Travailleurs frontaliers<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-679e5769 elementor-widget elementor-widget-text-editor\" data-id=\"679e5769\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Pour les frontaliers, le pilier 3a reste un excellent outil de pr\u00e9voyance, mais son int\u00e9r\u00eat fiscal d\u00e9pend de votre statut de <a href=\"https:\/\/www.ge.ch\/demande-rectification-taxation-ordinaire-ulterieure\/determiner-statut-quasi-resident\" target=\"_blank\" rel=\"noopener\">quasi-r\u00e9sident (Gen\u00e8ve)<\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-29425559 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"29425559\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\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\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Statut de quasi-r\u00e9sident :<\/strong> Si au moins 90% de vos revenus mondiaux proviennent de Suisse, vous pouvez demander la TOU et d\u00e9duire l'int\u00e9gralit\u00e9 de vos versements 3a<\/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\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Non quasi-r\u00e9sident :<\/strong> Si vous ne remplissez pas cette condition de 90% (par exemple, si votre conjoint travaille en France avec un revenu \u00e9lev\u00e9), les versements au pilier 3a ne seront pas d\u00e9ductibles de vos imp\u00f4ts suisses. Dans ce cas, l'int\u00e9r\u00eat est purement patrimonial et non fiscal.<\/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 class=\"elementor-element elementor-element-66fe3528 elementor-widget elementor-widget-text-editor\" data-id=\"66fe3528\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>N&rsquo;oubliez pas qu&rsquo;il est d\u00e9sormais possible d&rsquo;effectuer des rachats r\u00e9troactifs pour combler vos lacunes de cotisations des ann\u00e9es pr\u00e9c\u00e9dentes (sous conditions). Cette opportunit\u00e9 est \u00e9galement ouverte aux \u00ab\u00a0sourciers\u00a0\u00bb via la proc\u00e9dure TOU.<\/p>\t\t\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<div class=\"elementor-element elementor-element-6e60cf21 e-flex e-con-boxed e-con e-parent\" data-id=\"6e60cf21\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-5030f431 e-con-full e-flex e-con e-child\" data-id=\"5030f431\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-573e30a elementor-widget elementor-widget-heading\" data-id=\"573e30a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Quel pilier 3a choisir selon votre situation ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-11a43bd9 elementor-widget elementor-widget-text-editor\" data-id=\"11a43bd9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Choisir le meilleur pilier 3a en Suisse d\u00e9pend de votre profil, votre \u00e2ge et vos besoins en mati\u00e8re de pr\u00e9voyance. Pour vous aider \u00e0 identifier rapidement quelle solution correspond le mieux \u00e0 votre situation, nous avons cr\u00e9\u00e9 une matrice compl\u00e8te suivie d&rsquo;explications d\u00e9taill\u00e9es pour chaque profil.<\/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-5f1aa3c4 e-con-full e-flex e-con e-child\" data-id=\"5f1aa3c4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-589c38ca elementor-widget elementor-widget-html\" data-id=\"589c38ca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"Table\",\n  \"name\": \"3\u00e8me pilier recommand\u00e9 selon votre profil en Suisse 2026\",\n  \"description\": \"Tableau d'aide \u00e0 la d\u00e9cision pour choisir entre pilier 3a en banque ou en assurance selon le profil : salari\u00e9, famille, ind\u00e9pendant, frontalier et proche retraite.\",\n  \"keywords\": [\"3\u00e8me pilier selon profil\", \"3a banque ou assurance quel profil\", \"pilier 3a recommandation suisse\", \"3\u00e8me pilier ind\u00e9pendant frontalier famille\"]\n}\n<\/script>\n<div class=\"t\">\n  <table style=\"table-layout:fixed;\">\n    <colgroup>\n      <col style=\"width:20%;\">\n      <col style=\"width:25%;\">\n      <col style=\"width:25%;\">\n      <col style=\"width:15%;\">\n    <\/colgroup>\n    <caption style=\"display:none\">3\u00e8me pilier recommand\u00e9 selon votre profil en Suisse 2026 \u2014 solution, protection et priorit\u00e9<\/caption>\n    <thead>\n      <tr>\n        <th scope=\"col\">Profil<\/th>\n        <th scope=\"col\">Solution recommand\u00e9e<\/th>\n        <th scope=\"col\">Protection \u00e0 inclure<\/th>\n        <th scope=\"col\">Priorit\u00e9<\/th>\n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr>\n        <td>Salari\u00e9 c\u00e9libataire < 40 ans<\/td>\n        <td data-label=\"Solution recommand\u00e9e\">Assurance 3a + Banque 3a (fonds)<\/td>\n        <td data-label=\"Protection \u00e0 inclure\">Incapacit\u00e9 de gain maladie<\/td>\n        <td data-label=\"Priorit\u00e9\">Protection + Performance<\/td>\n      <\/tr>\n      <tr>\n        <td>Famille avec enfants<\/td>\n        <td data-label=\"Solution recommand\u00e9e\">Assurance 3a prioritaire + Banque 3a (fonds ou capital garanti)<\/td>\n        <td data-label=\"Protection \u00e0 inclure\">D\u00e9c\u00e8s + Invalidit\u00e9 maladie<\/td>\n        <td data-label=\"Priorit\u00e9\">Protection familiale<\/td>\n      <\/tr>\n      <tr>\n        <td>Ind\u00e9pendant sans LPP<\/td>\n        <td data-label=\"Solution recommand\u00e9e\">Assurance 3a (fonds)<\/td>\n        <td data-label=\"Protection \u00e0 inclure\">D\u00e9c\u00e8s + Invalidit\u00e9 maladie et accident<\/td>\n        <td data-label=\"Priorit\u00e9\">Protection + Fiscalit\u00e9<\/td>\n      <\/tr>\n      <tr>\n        <td>Frontalier (quasi-r\u00e9sident)<\/td>\n        <td data-label=\"Solution recommand\u00e9e\">Banque 3a (fonds ou compte r\u00e9mun\u00e9r\u00e9 selon horizon)<\/td>\n        <td data-label=\"Protection \u00e0 inclure\">Impossible en Suisse<\/td>\n        <td data-label=\"Priorit\u00e9\">Flexibilit\u00e9 + Fiscalit\u00e9<\/td>\n      <\/tr>\n      <tr>\n        <td>Proche retraite < 10 ans<\/td>\n        <td data-label=\"Solution recommand\u00e9e\">Banque 3a uniquement (compte r\u00e9mun\u00e9r\u00e9 ou faible % d'actions)<\/td>\n        <td data-label=\"Protection \u00e0 inclure\">Trop co\u00fbteux<\/td>\n        <td data-label=\"Priorit\u00e9\">Pr\u00e9servation capital<\/td>\n      <\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2e32b33a elementor-widget elementor-widget-text-editor\" data-id=\"2e32b33a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Dans la pratique, il n\u2019existe pas de solution universelle en mati\u00e8re de pilier 3a. Le choix d\u00e9pend principalement de l\u2019<strong>\u00e2ge<\/strong>, de la <strong>situation familiale<\/strong>, du <strong>statut professionnel<\/strong> et de l\u2019<strong>horizon de placement<\/strong>. Une combinaison entre plusieurs solutions bancaires et assurantielles permet souvent d\u2019optimiser \u00e0 la fois la flexibilit\u00e9, la protection et les avantages fiscaux.<\/p><p>Une analyse personnalis\u00e9e reste indispensable afin d\u2019adapter la strat\u00e9gie de pr\u00e9voyance aux besoins r\u00e9els et d\u2019\u00e9viter des d\u00e9cisions inadapt\u00e9es sur le long terme.<\/p>\t\t\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<div class=\"elementor-element elementor-element-31642a87 e-flex e-con-boxed e-con e-parent\" data-id=\"31642a87\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4a88ee65 elementor-widget elementor-widget-heading\" data-id=\"4a88ee65\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"calculateur3a\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Calculez votre potentiel de rendement<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-43b3f268 elementor-widget elementor-widget-text-editor\" data-id=\"43b3f268\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>D\u00e9couvrez ce que vous pouvez potentiellement \u00e9conomiser d&rsquo;ici votre retraite gr\u00e2ce \u00e0 une solution 3a.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-52f59a20 elementor-widget elementor-widget-html\" data-id=\"52f59a20\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!-- HTML for Pilier 3a Projection Simulator -->\n<div id=\"simu3a-wrapper\">\n  <div class=\"simu3a-container\">\n    <!-- Left side: Inputs -->\n    <div class=\"simu3a-inputs\">\n      <div class=\"input-group\">\n        <label>Genre<\/label>\n        <div class=\"radio-group\">\n          <label><input type=\"radio\" name=\"gender\" value=\"homme\" checked> Homme<\/label>\n          <label><input type=\"radio\" name=\"gender\" value=\"femme\"> Femme<\/label>\n        <\/div>\n      <\/div>\n\n      <div class=\"input-group\">\n        <label>Statut<\/label>\n        <div class=\"radio-group\">\n          <label><input type=\"radio\" name=\"status\" value=\"employe\" checked> Employ\u00e9<\/label>\n          <label><input type=\"radio\" name=\"status\" value=\"independant\"> Ind\u00e9pendant<\/label>\n        <\/div>\n      <\/div>\n\n      <div class=\"input-group\">\n        <label for=\"age\">\u00c2ge actuel : <span id=\"age-val\">35<\/span> ans<\/label>\n        <input type=\"range\" id=\"age\" min=\"18\" max=\"64\" value=\"35\">\n        <input type=\"number\" id=\"age-num\" value=\"35\">\n      <\/div>\n\n      <div class=\"input-group\">\n        <label for=\"initial\">Montant initial (CHF) : <span id=\"initial-val\">10000<\/span><\/label>\n        <input type=\"range\" id=\"initial\" min=\"0\" max=\"100000\" step=\"1000\" value=\"10000\">\n        <input type=\"number\" id=\"initial-num\" value=\"10000\">\n      <\/div>\n\n      <div class=\"input-group\">\n        <label for=\"annual\">Cotisation annuelle (CHF) : <span id=\"annual-val\">7056<\/span><\/label>\n        <input type=\"range\" id=\"annual\" min=\"0\" max=\"7258\" step=\"100\" value=\"7258\">\n        <input type=\"number\" id=\"annual-num\" value=\"7258\">\n      <\/div>\n\n      <div class=\"input-group\">\n        <label>Strat\u00e9gie d'investissement<\/label>\n        <div class=\"strategy-buttons\">\n          <button class=\"strategy-btn\" data-base=\"0.005\">Epargne<\/button>\n          <button class=\"strategy-btn\" data-base=\"0.015\">Prudent<\/button>\n          <button class=\"strategy-btn\" data-base=\"0.03\">\u00c9quilibr\u00e9<\/button>\n          <button class=\"strategy-btn\" data-base=\"0.045\">Dynamique<\/button>\n          <button class=\"strategy-btn\" data-base=\"0.06\">Ambitieux<\/button>\n        <\/div>\n      <\/div>\n    <\/div>\n\n    <!-- Right side: Chart -->\n    <div class=\"simu3a-chart\">\n      <canvas id=\"chart3a\"><\/canvas>\n      <div class=\"result-blocks\">\n        <div class=\"result-block\" id=\"result-pessimiste\"><\/div>\n        <div class=\"result-block\" id=\"result-probable\"><\/div>\n        <div class=\"result-block\" id=\"result-optimiste\"><\/div>\n      <\/div>\n      <div id=\"chart-summary\"><\/div>\n    <\/div>\n  <\/div>\n\n  <!-- Disclaimer -->\n  <p class=\"disclaimer\">Les performances pass\u00e9es ou simul\u00e9es ne garantissent pas les performances futures. Cette projection est donn\u00e9e \u00e0 titre purement indicatif.<\/p>\n<\/div>\n\n<script src=\"https:\/\/cdn.jsdelivr.net\/npm\/chart.js\"><\/script>\n<script>\n\/\/ JS for Pilier 3a Simulator\n\ndocument.addEventListener(\"DOMContentLoaded\", function () {\n  const ageSlider = document.getElementById('age');\n  const ageNum = document.getElementById('age-num');\n  const initialSlider = document.getElementById('initial');\n  const initialNum = document.getElementById('initial-num');\n  const annualSlider = document.getElementById('annual');\n  const annualNum = document.getElementById('annual-num');\n  const resultPess = document.getElementById('result-pessimiste');\n  const resultProb = document.getElementById('result-probable');\n  const resultOpti = document.getElementById('result-optimiste');\n\n  const updateSliderBackground = (slider) => {\n    const val = ((slider.value - slider.min) \/ (slider.max - slider.min)) * 100;\n    slider.style.setProperty('--progress', `${val}%`);\n  };\n\n  document.querySelectorAll('input[type=\"range\"]').forEach(slider => {\n    updateSliderBackground(slider);\n    slider.addEventListener('input', () => updateSliderBackground(slider));\n  });\n\n  const sync = (range, number, labelId) => {\n    const label = document.getElementById(labelId);\n    range.addEventListener('input', () => {\n      number.value = range.value;\n      if (label) label.textContent = range.value;\n      updateSliderBackground(range);\n      updateChart();\n    });\n    number.addEventListener('input', () => {\n      range.value = number.value;\n      if (label) label.textContent = number.value;\n      updateSliderBackground(range);\n      updateChart();\n    });\n  };\n\n  sync(ageSlider, ageNum, 'age-val');\n  sync(initialSlider, initialNum, 'initial-val');\n  sync(annualSlider, annualNum, 'annual-val');\n\n  document.querySelectorAll('input[name=\"status\"]').forEach(el => {\n    el.addEventListener('change', () => {\n      const max = el.value === 'employe' ? 7258 : 36288;\n      annualSlider.max = max;\n      annualNum.max = max;\n      if (+annualSlider.value > max) {\n        annualSlider.value = max;\n        annualNum.value = max;\n      }\n      updateSliderBackground(annualSlider);\n      updateChart();\n    });\n  });\n\n  let selectedBaseReturn = 0.03;\n  const strategyBtns = document.querySelectorAll('.strategy-btn');\n  strategyBtns.forEach(btn => {\n    btn.addEventListener('click', () => {\n      strategyBtns.forEach(b => b.classList.remove('active'));\n      btn.classList.add('active');\n      selectedBaseReturn = parseFloat(btn.dataset.base);\n      updateChart();\n    });\n  });\n  strategyBtns[2].click();\n\n  function computeProjection(initial, annual, years, rate) {\n    let values = [], total = initial;\n    for (let i = 0; i <= years; i++) {\n      if (i > 0) total = total * (1 + rate) + annual;\n      values.push(Math.round(total));\n    }\n    return values;\n  }\n\n  const ctx = document.getElementById('chart3a').getContext('2d');\n  const chart = new Chart(ctx, {\n    type: 'line',\n    data: {\n      labels: [],\n      datasets: [\n        { label: 'Pessimiste', data: [], borderColor: '#071659', fill: false, tension: 0.3 },\n        { label: 'Probable', data: [], borderColor: '#5B70D1', fill: false, tension: 0.3 },\n        { label: 'Optimiste', data: [], borderColor: '#B5E0F8', fill: false, tension: 0.3 }\n      ]\n    },\n    options: {\n      responsive: true,\n      maintainAspectRatio: false,\n      plugins: {\n        legend: { position: 'top', labels: { font: { family: 'Manrope' } } },\n        tooltip: {\n          mode: 'index',\n          intersect: false,\n          bodyFont: { family: 'Manrope' },\n          titleFont: { family: 'Manrope' }\n        }\n      },\n      interaction: {\n        mode: 'index',\n        intersect: false\n      },\n      scales: {\n        x: {\n          title: { display: true, text: '\u00c2ge', font: { family: 'Manrope' } },\n          ticks: {\n            callback: function(value, index) {\n              return index % 5 === 0 ? this.getLabelForValue(value) : '';\n            },\n            font: { family: 'Manrope' }\n          },\n          grid: { display: false }\n        },\n        y: {\n          beginAtZero: true,\n          title: { display: true, text: 'Capital projet\u00e9 (CHF)', font: { family: 'Manrope' } },\n          ticks: { font: { family: 'Manrope' } },\n          grid: { drawBorder: false, color: '#E5E7EB' }\n        }\n      }\n    }\n  });\n\n  function updateChart() {\n    const age = parseInt(ageSlider.value);\n    const initial = parseFloat(initialSlider.value);\n    const annual = parseFloat(annualSlider.value);\n    const gender = document.querySelector('input[name=\"gender\"]:checked').value;\n    const years = (gender === 'femme' ? 64 : 65) - age;\n    const labels = Array.from({ length: years + 1 }, (_, i) => age + i);\n\n    const dataPess = computeProjection(initial, annual, years, selectedBaseReturn - 0.015);\n    const dataProb = computeProjection(initial, annual, years, selectedBaseReturn);\n    const dataOpti = computeProjection(initial, annual, years, selectedBaseReturn + 0.015);\n\n    chart.data.labels = labels;\n    chart.data.datasets[0].data = dataPess;\n    chart.data.datasets[1].data = dataProb;\n    chart.data.datasets[2].data = dataOpti;\n    chart.update();\n\n     resultPess.innerHTML = `<div style=\"font-size:14px; font-family: Manrope;\">Sc\u00e9nario pessimiste<\/div><div style=\"font-size:25px; font-weight:bold; font-family: Manrope;\">${dataPess.at(-1).toLocaleString('fr-CH')} CHF<\/div>`;\n    resultProb.innerHTML = `<div style=\"font-size:14px; font-family: Manrope;\">Sc\u00e9nario probable<\/div><div style=\"font-size:25px; font-weight:bold; font-family: Manrope;\">${dataProb.at(-1).toLocaleString('fr-CH')} CHF<\/div>`;\n    resultOpti.innerHTML = `<div style=\"font-size:14px; font-family: Manrope;\">Sc\u00e9nario optimiste<\/div><div style=\"font-size:25px; font-weight:bold; font-family: Manrope;\">${dataOpti.at(-1).toLocaleString('fr-CH')} CHF<\/div>`;\n  }\n\n  updateChart();\n});\n<\/script>\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-33d3177d e-flex e-con-boxed e-con e-parent\" data-id=\"33d3177d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-350beef5 e-con-full e-flex e-con e-child\" data-id=\"350beef5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-316888ed elementor-widget elementor-widget-heading\" data-id=\"316888ed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Nous vous conseillons<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-40a79f4b e-con-full e-flex e-con e-child\" data-id=\"40a79f4b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2406943f elementor-widget elementor-widget-text-editor\" data-id=\"2406943f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Souscrire un pilier 3a est une d\u00e9cision importante qui m\u00e9rite une analyse approfondie. Il est essentiel de d\u00e9finir votre <strong>profil<\/strong> et vos <strong>besoins<\/strong> avant de s\u00e9lectionner et comparer les diff\u00e9rentes solutions disponibles. Les <strong>frais et conditions<\/strong> peuvent en effet varier consid\u00e9rablement d\u2019un prestataire \u00e0 l\u2019autre, ce qui peut avoir un impact significatif sur votre rendement \u00e0 long terme.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cab841f posts-slider elementor-mobile-align-justify elementor-widget-mobile__width-inherit elementor-widget elementor-widget-button\" data-id=\"cab841f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#contact\">\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 aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Planifier un conseil<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\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<div class=\"elementor-element elementor-element-1b317c8f e-flex e-con-boxed e-con e-parent\" data-id=\"1b317c8f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-705ecdde e-con-full e-flex e-con e-child\" data-id=\"705ecdde\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-768c99e0 elementor-widget elementor-widget-heading\" data-id=\"768c99e0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Checklist 2026 : 5 \u00e9tapes pour ouvrir votre pilier 3a<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-53221618 e-con-full e-flex e-con e-child\" data-id=\"53221618\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-423fa1c elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"423fa1c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\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\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"500\" zoomAndPan=\"magnify\" viewBox=\"0 0 375 374.999991\" height=\"500\" preserveAspectRatio=\"xMidYMid meet\"><defs><g><\/g><clipPath id=\"f4cf4df6c6\"><rect x=\"0\" width=\"139\" y=\"0\" height=\"375\"><\/rect><\/clipPath><\/defs><g transform=\"matrix(1, 0, 0, 1, 118, 0)\"><g clip-path=\"url(#f4cf4df6c6)\"><g fill=\"#071659\" fill-opacity=\"1\"><g transform=\"translate(0.552694, 348.036103)\"><g><path d=\"M 31.734375 0 L 31.734375 -6.921875 C 42.117188 -23.847656 47.3125 -70.382812 47.3125 -146.53125 L 47.3125 -290.171875 C 43.070312 -287.484375 36.722656 -285.082031 28.265625 -282.96875 C 19.804688 -280.851562 13.460938 -279.796875 9.234375 -279.796875 L 9.234375 -290.171875 C 18.078125 -290.941406 28.171875 -292.863281 39.515625 -295.9375 C 50.859375 -299.019531 62.007812 -302.769531 72.96875 -307.1875 C 83.9375 -311.613281 93.070312 -316.132812 100.375 -320.75 L 107.296875 -320.75 L 107.296875 -146.53125 C 107.296875 -108.84375 108.640625 -78.171875 111.328125 -54.515625 C 114.023438 -30.859375 117.679688 -14.992188 122.296875 -6.921875 L 122.296875 0 Z M 31.734375 0 \"><\/path><\/g><\/g><\/g><\/g><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>V\u00e9rifiez votre \u00e9ligibilit\u00e9 AVS : <\/strong> Assurez-vous d'avoir un revenu lucratif soumis \u00e0 l'AVS en 2026. Si vous \u00eates frontalier, v\u00e9rifiez si vous ou votre foyer atteignez le seuil de 90% de revenus suisses pour b\u00e9n\u00e9ficier de la d\u00e9duction fiscale (quasi-r\u00e9sidence).<\/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\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"500\" zoomAndPan=\"magnify\" viewBox=\"0 0 375 374.999991\" height=\"500\" preserveAspectRatio=\"xMidYMid meet\"><defs><g><\/g><clipPath id=\"4781e0adf0\"><rect x=\"0\" width=\"330\" y=\"0\" height=\"375\"><\/rect><\/clipPath><\/defs><g transform=\"matrix(1, 0, 0, 1, 23, 0)\"><g clip-path=\"url(#4781e0adf0)\"><g fill=\"#071659\" fill-opacity=\"1\"><g transform=\"translate(0.363061, 348.036103)\"><g><path d=\"M 4.609375 0 L 3.46875 -5.765625 L 53.65625 -31.15625 C 75.570312 -41.925781 97.488281 -53.65625 119.40625 -66.34375 C 141.332031 -79.03125 161.332031 -92.96875 179.40625 -108.15625 C 197.488281 -123.351562 212.007812 -139.601562 222.96875 -156.90625 C 233.925781 -174.21875 239.40625 -192.875 239.40625 -212.875 C 239.40625 -232.875 234.597656 -249.988281 224.984375 -264.21875 C 215.367188 -278.445312 202.390625 -289.3125 186.046875 -296.8125 C 169.703125 -304.3125 151.335938 -308.0625 130.953125 -308.0625 C 116.335938 -308.0625 102.109375 -305.175781 88.265625 -299.40625 C 74.421875 -293.632812 63.070312 -285.269531 54.21875 -274.3125 C 45.375 -263.351562 40.953125 -249.796875 40.953125 -233.640625 C 40.953125 -215.566406 47.296875 -201.429688 59.984375 -191.234375 C 72.679688 -181.046875 86.722656 -175.953125 102.109375 -175.953125 C 115.566406 -175.953125 126.046875 -179.601562 133.546875 -186.90625 C 141.046875 -194.21875 144.796875 -203.644531 144.796875 -215.1875 C 144.796875 -224.03125 141.910156 -232.203125 136.140625 -239.703125 C 130.378906 -247.203125 120.957031 -249.988281 107.875 -248.0625 L 107.296875 -252.09375 C 108.066406 -252.863281 110.46875 -253.828125 114.5 -254.984375 C 118.539062 -256.140625 123.253906 -256.71875 128.640625 -256.71875 C 140.179688 -256.71875 149.988281 -254.023438 158.0625 -248.640625 C 166.144531 -243.253906 172.300781 -236.519531 176.53125 -228.4375 C 180.757812 -220.363281 182.875 -212.097656 182.875 -203.640625 C 182.875 -186.722656 176.046875 -171.628906 162.390625 -158.359375 C 148.742188 -145.085938 129.992188 -138.453125 106.140625 -138.453125 C 90.378906 -138.453125 75.476562 -141.910156 61.4375 -148.828125 C 47.394531 -155.753906 36.144531 -165.367188 27.6875 -177.671875 C 19.226562 -189.984375 15 -204.21875 15 -220.375 C 15 -240.757812 20.957031 -258.738281 32.875 -274.3125 C 44.800781 -289.882812 60.957031 -302.09375 81.34375 -310.9375 C 101.726562 -319.789062 124.421875 -324.21875 149.421875 -324.21875 C 178.265625 -324.21875 203.644531 -319.789062 225.5625 -310.9375 C 247.488281 -302.09375 264.695312 -289.398438 277.1875 -272.859375 C 289.6875 -256.328125 295.9375 -236.523438 295.9375 -213.453125 C 295.9375 -195.367188 291.515625 -178.347656 282.671875 -162.390625 C 273.828125 -146.429688 261.804688 -131.816406 246.609375 -118.546875 C 231.421875 -105.273438 214.5 -93.351562 195.84375 -82.78125 C 177.195312 -72.207031 158.066406 -63.171875 138.453125 -55.671875 C 118.835938 -48.171875 99.992188 -42.304688 81.921875 -38.078125 L 81.921875 -34.03125 L 205.953125 -34.03125 C 230.566406 -34.03125 250.945312 -38.164062 267.09375 -46.4375 C 283.25 -54.707031 292.484375 -69.421875 294.796875 -90.578125 L 302.296875 -90.578125 L 294.796875 0 Z M 4.609375 0 \"><\/path><\/g><\/g><\/g><\/g><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Effectuer un audit \"Banque et\/ou assurance\" :<\/strong> Ne choisissez pas par d\u00e9faut. V\u00e9rifiez si vous avez besoin d'une simple \u00e9pargne ou si votre situation n\u00e9cessite une couverture en cas d'incapacit\u00e9 de gain ou de d\u00e9c\u00e8s. Combiner les deux est souvent la solution la plus intelligente.<\/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\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"500\" zoomAndPan=\"magnify\" viewBox=\"0 0 375 374.999991\" height=\"500\" preserveAspectRatio=\"xMidYMid meet\"><defs><g><\/g><clipPath id=\"6ab3ba5a4b\"><rect x=\"0\" width=\"339\" y=\"0\" height=\"375\"><\/rect><\/clipPath><\/defs><g transform=\"matrix(1, 0, 0, 1, 23, 0)\"><g clip-path=\"url(#6ab3ba5a4b)\"><g fill=\"#071659\" fill-opacity=\"1\"><g transform=\"translate(0.160917, 288.78215)\"><g><path d=\"M 164.328125 81.90625 C 135.003906 81.90625 108.960938 77.1875 86.203125 67.75 C 63.453125 58.3125 45.585938 44.910156 32.609375 27.546875 C 19.628906 10.191406 13.140625 -10.28125 13.140625 -33.875 C 13.140625 -52.082031 17.601562 -67.585938 26.53125 -80.390625 C 35.46875 -93.203125 47.015625 -102.976562 61.171875 -109.71875 C 75.335938 -116.457031 90.171875 -119.828125 105.671875 -119.828125 C 132.304688 -119.828125 153.375 -113.085938 168.875 -99.609375 C 184.382812 -86.128906 192.140625 -69.441406 192.140625 -49.546875 C 192.140625 -35.054688 187.082031 -22.835938 176.96875 -12.890625 C 166.851562 -2.953125 154.882812 2.015625 141.0625 2.015625 C 135.675781 2.015625 130.535156 1.257812 125.640625 -0.25 C 120.753906 -1.769531 116.960938 -3.707031 114.265625 -6.0625 L 114.78125 -9.609375 C 125.226562 -5.566406 134.832031 -6.15625 143.59375 -11.375 C 152.363281 -16.601562 156.75 -24.78125 156.75 -35.90625 C 156.75 -47.695312 151.859375 -57.804688 142.078125 -66.234375 C 132.304688 -74.660156 118.65625 -78.875 101.125 -78.875 C 83.59375 -78.875 68.675781 -73.476562 56.375 -62.6875 C 44.070312 -51.90625 37.921875 -37.078125 37.921875 -18.203125 C 37.921875 6.742188 47.441406 26.460938 66.484375 40.953125 C 85.535156 55.453125 111.070312 62.703125 143.09375 62.703125 C 165.675781 62.703125 186.65625 57.976562 206.03125 48.53125 C 225.414062 39.09375 241.007812 26.285156 252.8125 10.109375 C 264.613281 -6.066406 270.515625 -24.4375 270.515625 -45 C 270.515625 -75 260.316406 -99.097656 239.921875 -117.296875 C 219.523438 -135.503906 191.460938 -145.28125 155.734375 -146.625 C 148.992188 -143.257812 141.914062 -141.578125 134.5 -141.578125 C 130.445312 -141.578125 126.820312 -142.503906 123.625 -144.359375 C 120.425781 -146.210938 118.828125 -149.160156 118.828125 -153.203125 C 118.828125 -156.910156 120.425781 -159.773438 123.625 -161.796875 C 126.820312 -163.816406 130.445312 -164.828125 134.5 -164.828125 C 139.21875 -164.828125 144.269531 -164.148438 149.65625 -162.796875 C 155.050781 -161.453125 160.28125 -159.265625 165.34375 -156.234375 C 183.207031 -158.929688 198.207031 -165.757812 210.34375 -176.71875 C 222.476562 -187.675781 228.546875 -200.738281 228.546875 -215.90625 C 228.546875 -233.09375 222.222656 -246.65625 209.578125 -256.59375 C 196.941406 -266.539062 179.160156 -271.515625 156.234375 -271.515625 C 142.410156 -271.515625 129.769531 -268.394531 118.3125 -262.15625 C 106.851562 -255.925781 97.835938 -247.332031 91.265625 -236.375 C 84.691406 -225.425781 81.40625 -212.867188 81.40625 -198.703125 L 73.828125 -198.703125 L 74.328125 -260.390625 C 85.109375 -267.472656 98.421875 -273.203125 114.265625 -277.578125 C 130.109375 -281.960938 146.628906 -284.15625 163.828125 -284.15625 C 186.410156 -284.15625 206.128906 -281.117188 222.984375 -275.046875 C 239.835938 -268.984375 252.984375 -260.8125 262.421875 -250.53125 C 271.859375 -240.25 276.578125 -228.707031 276.578125 -215.90625 C 276.578125 -199.382812 270.085938 -185.644531 257.109375 -174.6875 C 244.128906 -163.738281 225.675781 -156.914062 201.75 -154.21875 L 201.75 -149.671875 C 240.175781 -148.316406 270.257812 -137.359375 292 -116.796875 C 313.738281 -96.234375 324.609375 -69.941406 324.609375 -37.921875 C 324.609375 -21.742188 320.394531 -6.410156 311.96875 8.078125 C 303.539062 22.578125 291.992188 35.390625 277.328125 46.515625 C 262.671875 57.640625 245.648438 66.316406 226.265625 72.546875 C 206.878906 78.785156 186.234375 81.90625 164.328125 81.90625 Z M 164.328125 81.90625 \"><\/path><\/g><\/g><\/g><\/g><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Planifier vos rachats de lacunes (Nouveaut\u00e9 2026) :<\/strong> C'est l'ann\u00e9e charni\u00e8re pour combler vos ann\u00e9es manquantes. Calculez le montant optimal de rachat pour maximiser votre gain fiscal sans d\u00e9passer vos capacit\u00e9s de tr\u00e9sorerie.<\/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\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"500\" zoomAndPan=\"magnify\" viewBox=\"0 0 375 374.999991\" height=\"500\" preserveAspectRatio=\"xMidYMid meet\"><defs><g><\/g><clipPath id=\"7345379f18\"><rect x=\"0\" width=\"318\" y=\"0\" height=\"375\"><\/rect><\/clipPath><\/defs><g transform=\"matrix(1, 0, 0, 1, 24, 0)\"><g clip-path=\"url(#7345379f18)\"><g fill=\"#071659\" fill-opacity=\"1\"><g transform=\"translate(9.779339, 288.78215)\"><g><path d=\"M 171.90625 75.84375 L 171.90625 69.78125 C 177.644531 59.332031 181.523438 36.070312 183.546875 0 L 1.515625 0 L -1.015625 -6.0625 L 198.703125 -278.09375 L 237.640625 -278.09375 L 237.640625 -26.796875 L 294.78125 -26.796875 L 288.203125 0 L 239.15625 0 C 241.175781 36.070312 245.054688 59.332031 250.796875 69.78125 L 250.796875 75.84375 Z M 34.375 -26.796875 L 185.0625 -26.796875 L 185.0625 -231.078125 L 182.03125 -231.078125 L 33.375 -29.828125 Z M 34.375 -26.796875 \"><\/path><\/g><\/g><\/g><\/g><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Optimiser le fractionnement (Multi-comptes) : <\/strong>Pour \u00e9viter une imposition massive lors du retrait, il est crucial d'ouvrir plusieurs comptes 3a. Nous planifions ensemble les dates de retrait \u00e9chelonn\u00e9es sur 5 ans pour r\u00e9duire la progression fiscale.<\/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\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"500\" zoomAndPan=\"magnify\" viewBox=\"0 0 375 374.999991\" height=\"500\" preserveAspectRatio=\"xMidYMid meet\"><defs><g><\/g><clipPath id=\"b606b49db5\"><rect x=\"0\" width=\"319\" y=\"0\" height=\"375\"><\/rect><\/clipPath><\/defs><g transform=\"matrix(1, 0, 0, 1, 28, 0)\"><g clip-path=\"url(#b606b49db5)\"><g fill=\"#071659\" fill-opacity=\"1\"><g transform=\"translate(0.981315, 288.78215)\"><g><path d=\"M 153.203125 81.90625 C 126.578125 81.90625 102.726562 77.691406 81.65625 69.265625 C 60.59375 60.835938 43.90625 48.703125 31.59375 32.859375 C 19.289062 17.015625 13.140625 -1.859375 13.140625 -23.765625 C 13.140625 -40.617188 17.351562 -54.859375 25.78125 -66.484375 C 34.207031 -78.117188 45.078125 -87.050781 58.390625 -93.28125 C 71.710938 -99.519531 85.617188 -102.640625 100.109375 -102.640625 C 125.054688 -102.640625 144.773438 -96.488281 159.265625 -84.1875 C 173.765625 -71.882812 181.015625 -56.800781 181.015625 -38.9375 C 181.015625 -26.125 176.378906 -15.25 167.109375 -6.3125 C 157.835938 2.613281 146.796875 7.078125 133.984375 7.078125 C 128.929688 7.078125 124.210938 6.316406 119.828125 4.796875 C 115.453125 3.285156 111.914062 1.6875 109.21875 0 L 109.71875 -3.546875 C 119.832031 0.503906 129.1875 -0.078125 137.78125 -5.296875 C 146.375 -10.523438 150.671875 -18.367188 150.671875 -28.828125 C 150.671875 -40.285156 145.953125 -49.972656 136.515625 -57.890625 C 127.078125 -65.816406 113.929688 -69.78125 97.078125 -69.78125 C 79.890625 -69.78125 65.3125 -64.640625 53.34375 -54.359375 C 41.375 -44.078125 35.390625 -29.832031 35.390625 -11.625 C 35.390625 11.96875 44.660156 30.925781 63.203125 45.25 C 81.742188 59.582031 106.351562 66.75 137.03125 66.75 C 158.601562 66.75 177.898438 62.28125 194.921875 53.34375 C 211.941406 44.40625 225.335938 32.097656 235.109375 16.421875 C 244.890625 0.753906 249.78125 -17.191406 249.78125 -37.421875 C 249.78125 -65.398438 241.519531 -88.234375 225 -105.921875 C 208.488281 -123.617188 185.648438 -136.765625 156.484375 -145.359375 C 127.328125 -153.960938 93.707031 -158.769531 55.625 -159.78125 L 78.375 -278.09375 L 259.890625 -278.09375 L 253.3125 -244.71875 L 89.5 -244.71875 L 79.390625 -182.03125 C 125.566406 -184.050781 165.507812 -179.75 199.21875 -169.125 C 232.925781 -158.507812 258.878906 -142.582031 277.078125 -121.34375 C 295.285156 -100.113281 304.390625 -74.5 304.390625 -44.5 C 304.390625 -28.988281 300.847656 -13.734375 293.765625 1.265625 C 286.691406 16.265625 276.582031 29.832031 263.4375 41.96875 C 250.289062 54.101562 234.445312 63.789062 215.90625 71.03125 C 197.363281 78.28125 176.460938 81.90625 153.203125 81.90625 Z M 153.203125 81.90625 \"><\/path><\/g><\/g><\/g><\/g><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Automatisez votre versement : <\/strong>Ne versez pas tout le 31 d\u00e9cembre. Mettez en place un ordre permanent (ex: 604.85 CHF \/ mois pour atteindre le plafond de 7'258 CHF). Cela vous permet de lisser votre prix d'entr\u00e9e sur les march\u00e9s si vous investissez dans des fonds.<\/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\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4fc00793 e-flex e-con-boxed e-con e-parent\" data-id=\"4fc00793\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-41739dd e-con-full e-flex e-con e-child\" data-id=\"41739dd\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-445e7206 elementor-widget elementor-widget-heading\" data-id=\"445e7206\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Questions fr\u00e9quentes<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7439bb36 e-con-full e-flex e-con e-child\" data-id=\"7439bb36\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dae0ca2 elementor-widget elementor-widget-n-accordion\" data-id=\"dae0ca2\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2290\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-2290\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Qu\u2019est-ce que le pilier 3a ? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M34.9 289.5l-22.2-22.2c-9.4-9.4-9.4-24.6 0-33.9L207 39c9.4-9.4 24.6-9.4 33.9 0l194.3 194.3c9.4 9.4 9.4 24.6 0 33.9L413 289.4c-9.5 9.5-25 9.3-34.3-.4L264 168.6V456c0 13.3-10.7 24-24 24h-32c-13.3 0-24-10.7-24-24V168.6L69.2 289.1c-9.3 9.8-24.8 10-34.3.4z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M413.1 222.5l22.2 22.2c9.4 9.4 9.4 24.6 0 33.9L241 473c-9.4 9.4-24.6 9.4-33.9 0L12.7 278.6c-9.4-9.4-9.4-24.6 0-33.9l22.2-22.2c9.5-9.5 25-9.3 34.3.4L184 343.4V56c0-13.3 10.7-24 24-24h32c13.3 0 24 10.7 24 24v287.4l114.8-120.5c9.3-9.8 24.8-10 34.3-.4z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2290\" class=\"elementor-element elementor-element-c8a09b8 e-con-full e-flex e-con e-child\" data-id=\"c8a09b8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d9c367e elementor-widget elementor-widget-text-editor\" data-id=\"d9c367e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Le pilier 3a est une forme de <strong>pr\u00e9voyance individuelle li\u00e9e<\/strong> en Suisse. Il permet d\u2019\u00e9pargner en vue de la retraite tout en b\u00e9n\u00e9ficiant d\u2019avantages fiscaux. Il est soumis \u00e0 des conditions strictes quant aux b\u00e9n\u00e9ficiaires, aux montants vers\u00e9s et aux possibilit\u00e9s de retrait.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2291\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2291\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Qui peut cotiser au pilier 3a ? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M34.9 289.5l-22.2-22.2c-9.4-9.4-9.4-24.6 0-33.9L207 39c9.4-9.4 24.6-9.4 33.9 0l194.3 194.3c9.4 9.4 9.4 24.6 0 33.9L413 289.4c-9.5 9.5-25 9.3-34.3-.4L264 168.6V456c0 13.3-10.7 24-24 24h-32c-13.3 0-24-10.7-24-24V168.6L69.2 289.1c-9.3 9.8-24.8 10-34.3.4z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M413.1 222.5l22.2 22.2c9.4 9.4 9.4 24.6 0 33.9L241 473c-9.4 9.4-24.6 9.4-33.9 0L12.7 278.6c-9.4-9.4-9.4-24.6 0-33.9l22.2-22.2c9.5-9.5 25-9.3 34.3.4L184 343.4V56c0-13.3 10.7-24 24-24h32c13.3 0 24 10.7 24 24v287.4l114.8-120.5c9.3-9.8 24.8-10 34.3-.4z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2291\" class=\"elementor-element elementor-element-b34b610 e-con-full e-flex e-con e-child\" data-id=\"b34b610\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ccbf922 elementor-widget elementor-widget-text-editor\" data-id=\"ccbf922\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Toute personne qui exerce une activit\u00e9 lucrative en Suisse et verse des cotisations \u00e0 l\u2019AVS peut cotiser au pilier 3a. Cela inclut :<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cbeab45 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"cbeab45\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\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\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Les salari\u00e9s,<\/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\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Les frontaliers,<\/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\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Les ind\u00e9pendants,<\/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\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Les personnes au ch\u00f4mage sous certaines conditions.<\/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\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2292\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2292\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> \u00c0 quoi sert le pilier 3a ? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M34.9 289.5l-22.2-22.2c-9.4-9.4-9.4-24.6 0-33.9L207 39c9.4-9.4 24.6-9.4 33.9 0l194.3 194.3c9.4 9.4 9.4 24.6 0 33.9L413 289.4c-9.5 9.5-25 9.3-34.3-.4L264 168.6V456c0 13.3-10.7 24-24 24h-32c-13.3 0-24-10.7-24-24V168.6L69.2 289.1c-9.3 9.8-24.8 10-34.3.4z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M413.1 222.5l22.2 22.2c9.4 9.4 9.4 24.6 0 33.9L241 473c-9.4 9.4-24.6 9.4-33.9 0L12.7 278.6c-9.4-9.4-9.4-24.6 0-33.9l22.2-22.2c9.5-9.5 25-9.3 34.3.4L184 343.4V56c0-13.3 10.7-24 24-24h32c13.3 0 24 10.7 24 24v287.4l114.8-120.5c9.3-9.8 24.8-10 34.3-.4z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2292\" class=\"elementor-element elementor-element-1717373 e-con-full e-flex e-con e-child\" data-id=\"1717373\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b8a03cc elementor-widget elementor-widget-text-editor\" data-id=\"b8a03cc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Le pilier 3a permet :<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3c08742 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"3c08742\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\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\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">De compl\u00e9ter les rentes AVS et LPP,<\/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\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">De se prot\u00e9ger contre les risques d'invalidit\u00e9 et de d\u00e9c\u00e8s<\/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\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">De r\u00e9duire son revenu imposable (gr\u00e2ce \u00e0 la d\u00e9duction fiscale),<\/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\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">De se constituer un patrimoine \u00e0 long-terme<\/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\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">De financer un projet immobilier ou un passage \u00e0 l\u2019ind\u00e9pendance.<\/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\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2293\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2293\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Le pilier 3a est-il impos\u00e9 \u00e0 la sortie ? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M34.9 289.5l-22.2-22.2c-9.4-9.4-9.4-24.6 0-33.9L207 39c9.4-9.4 24.6-9.4 33.9 0l194.3 194.3c9.4 9.4 9.4 24.6 0 33.9L413 289.4c-9.5 9.5-25 9.3-34.3-.4L264 168.6V456c0 13.3-10.7 24-24 24h-32c-13.3 0-24-10.7-24-24V168.6L69.2 289.1c-9.3 9.8-24.8 10-34.3.4z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M413.1 222.5l22.2 22.2c9.4 9.4 9.4 24.6 0 33.9L241 473c-9.4 9.4-24.6 9.4-33.9 0L12.7 278.6c-9.4-9.4-9.4-24.6 0-33.9l22.2-22.2c9.5-9.5 25-9.3 34.3.4L184 343.4V56c0-13.3 10.7-24 24-24h32c13.3 0 24 10.7 24 24v287.4l114.8-120.5c9.3-9.8 24.8-10 34.3-.4z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2293\" class=\"elementor-element elementor-element-7986b9d e-con-full e-flex e-con e-child\" data-id=\"7986b9d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8ab2db3 elementor-widget elementor-widget-text-editor\" data-id=\"8ab2db3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Oui, mais \u00e0 un taux r\u00e9duit \u00e0 environ 1\/5 du taux d\u2019imposition, s\u00e9par\u00e9ment du reste des revenus.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2294\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2294\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Jusqu'\u00e0 quand puis-je verser ma cotisation dans le 3a ? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M34.9 289.5l-22.2-22.2c-9.4-9.4-9.4-24.6 0-33.9L207 39c9.4-9.4 24.6-9.4 33.9 0l194.3 194.3c9.4 9.4 9.4 24.6 0 33.9L413 289.4c-9.5 9.5-25 9.3-34.3-.4L264 168.6V456c0 13.3-10.7 24-24 24h-32c-13.3 0-24-10.7-24-24V168.6L69.2 289.1c-9.3 9.8-24.8 10-34.3.4z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M413.1 222.5l22.2 22.2c9.4 9.4 9.4 24.6 0 33.9L241 473c-9.4 9.4-24.6 9.4-33.9 0L12.7 278.6c-9.4-9.4-9.4-24.6 0-33.9l22.2-22.2c9.5-9.5 25-9.3 34.3.4L184 343.4V56c0-13.3 10.7-24 24-24h32c13.3 0 24 10.7 24 24v287.4l114.8-120.5c9.3-9.8 24.8-10 34.3-.4z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2294\" class=\"elementor-element elementor-element-44645c0 e-con-full e-flex e-con e-child\" data-id=\"44645c0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ba1ad48 elementor-widget elementor-widget-text-editor\" data-id=\"ba1ad48\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tVous devez effectuer des versements dans le pilier 3a au plus tard le 31 d\u00e9cembre pour \u00eatre d\u00e9ductibles fiscalement de l\u2019ann\u00e9e en cours.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2295\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"6\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2295\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Qui cotise au 2\u00e8me pilier ? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M34.9 289.5l-22.2-22.2c-9.4-9.4-9.4-24.6 0-33.9L207 39c9.4-9.4 24.6-9.4 33.9 0l194.3 194.3c9.4 9.4 9.4 24.6 0 33.9L413 289.4c-9.5 9.5-25 9.3-34.3-.4L264 168.6V456c0 13.3-10.7 24-24 24h-32c-13.3 0-24-10.7-24-24V168.6L69.2 289.1c-9.3 9.8-24.8 10-34.3.4z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M413.1 222.5l22.2 22.2c9.4 9.4 9.4 24.6 0 33.9L241 473c-9.4 9.4-24.6 9.4-33.9 0L12.7 278.6c-9.4-9.4-9.4-24.6 0-33.9l22.2-22.2c9.5-9.5 25-9.3 34.3.4L184 343.4V56c0-13.3 10.7-24 24-24h32c13.3 0 24 10.7 24 24v287.4l114.8-120.5c9.3-9.8 24.8-10 34.3-.4z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2295\" class=\"elementor-element elementor-element-773db07 e-con-full e-flex e-con e-child\" data-id=\"773db07\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d8e9e7e elementor-widget elementor-widget-text-editor\" data-id=\"d8e9e7e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Tous les salari\u00e9s de <strong>17 ans<\/strong> ou plus dont le revenu annuel d\u00e9passe <strong>CHF 22\u2019680<\/strong> (en 2026). Les ind\u00e9pendants peuvent s\u2019y affilier volontairement.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2296\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"7\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2296\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Comment d\u00e9bloquer son 2eme pilier en Suisse ? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M34.9 289.5l-22.2-22.2c-9.4-9.4-9.4-24.6 0-33.9L207 39c9.4-9.4 24.6-9.4 33.9 0l194.3 194.3c9.4 9.4 9.4 24.6 0 33.9L413 289.4c-9.5 9.5-25 9.3-34.3-.4L264 168.6V456c0 13.3-10.7 24-24 24h-32c-13.3 0-24-10.7-24-24V168.6L69.2 289.1c-9.3 9.8-24.8 10-34.3.4z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M413.1 222.5l22.2 22.2c9.4 9.4 9.4 24.6 0 33.9L241 473c-9.4 9.4-24.6 9.4-33.9 0L12.7 278.6c-9.4-9.4-9.4-24.6 0-33.9l22.2-22.2c9.5-9.5 25-9.3 34.3.4L184 343.4V56c0-13.3 10.7-24 24-24h32c13.3 0 24 10.7 24 24v287.4l114.8-120.5c9.3-9.8 24.8-10 34.3-.4z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2296\" class=\"elementor-element elementor-element-3dce94c e-con-full e-flex e-con e-child\" data-id=\"3dce94c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5c1bbf5 elementor-widget elementor-widget-text-editor\" data-id=\"5c1bbf5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Vous pouvez <strong>d\u00e9bloquer<\/strong> votre 2\u00e8me pilier en Suisse \u00e0 la retraite ou plus t\u00f4t pour acheter un logement, devenir ind\u00e9pendant ou quitter d\u00e9finitivement le pays.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Qu\\u2019est-ce que le pilier 3a ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Le pilier 3a est une forme de pr\\u00e9voyance individuelle li\\u00e9e en Suisse. Il permet d\\u2019\\u00e9pargner en vue de la retraite tout en b\\u00e9n\\u00e9ficiant d\\u2019avantages fiscaux. Il est soumis \\u00e0 des conditions strictes quant aux b\\u00e9n\\u00e9ficiaires, aux montants vers\\u00e9s et aux possibilit\\u00e9s de retrait.\"}},{\"@type\":\"Question\",\"name\":\"Qui peut cotiser au pilier 3a ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Toute personne qui exerce une activit\\u00e9 lucrative en Suisse et verse des cotisations \\u00e0 l\\u2019AVS peut cotiser au pilier 3a. Cela inclut :\\t\\t\\t\\t\\t\\t\\t\\t\\n\\t\\t\\t\\t\\n\\t\\t\\t\\t\\t\\t\\t\\n\\t\\t\\t\\t\\t\\t\\t\\n\\t\\t\\t\\t\\t\\t\\t\\t\\t\\t\\t\\n\\t\\t\\t\\t\\t\\t\\t\\t\\t\\t\\t\\t\\t\\n\\t\\t\\t\\t\\t\\t\\t\\t\\t\\tLes salari\\u00e9s,\\n\\t\\t\\t\\t\\t\\t\\t\\t\\t\\n\\t\\t\\t\\t\\t\\t\\t\\t\\n\\t\\t\\t\\t\\t\\t\\t\\t\\t\\t\\t\\n\\t\\t\\t\\t\\t\\t\\t\\t\\t\\t\\t\\t\\t\\n\\t\\t\\t\\t\\t\\t\\t\\t\\t\\tLes frontaliers,\\n\\t\\t\\t\\t\\t\\t\\t\\t\\t\\n\\t\\t\\t\\t\\t\\t\\t\\t\\n\\t\\t\\t\\t\\t\\t\\t\\t\\t\\t\\t\\n\\t\\t\\t\\t\\t\\t\\t\\t\\t\\t\\t\\t\\t\\n\\t\\t\\t\\t\\t\\t\\t\\t\\t\\tLes ind\\u00e9pendants,\\n\\t\\t\\t\\t\\t\\t\\t\\t\\t\\n\\t\\t\\t\\t\\t\\t\\t\\t\\n\\t\\t\\t\\t\\t\\t\\t\\t\\t\\t\\t\\n\\t\\t\\t\\t\\t\\t\\t\\t\\t\\t\\t\\t\\t\\n\\t\\t\\t\\t\\t\\t\\t\\t\\t\\tLes personnes au ch\\u00f4mage sous certaines conditions.\"}},{\"@type\":\"Question\",\"name\":\"\\u00c0 quoi sert le pilier 3a ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Le pilier 3a permet :\\t\\t\\t\\t\\t\\t\\t\\t\\n\\t\\t\\t\\t\\n\\t\\t\\t\\t\\t\\t\\t\\n\\t\\t\\t\\t\\t\\t\\t\\n\\t\\t\\t\\t\\t\\t\\t\\t\\t\\t\\t\\n\\t\\t\\t\\t\\t\\t\\t\\t\\t\\t\\t\\t\\t\\n\\t\\t\\t\\t\\t\\t\\t\\t\\t\\tDe compl\\u00e9ter les rentes AVS et LPP,\\n\\t\\t\\t\\t\\t\\t\\t\\t\\t\\n\\t\\t\\t\\t\\t\\t\\t\\t\\n\\t\\t\\t\\t\\t\\t\\t\\t\\t\\t\\t\\n\\t\\t\\t\\t\\t\\t\\t\\t\\t\\t\\t\\t\\t\\n\\t\\t\\t\\t\\t\\t\\t\\t\\t\\tDe se prot\\u00e9ger contre les risques d'invalidit\\u00e9 et de d\\u00e9c\\u00e8s\\n\\t\\t\\t\\t\\t\\t\\t\\t\\t\\n\\t\\t\\t\\t\\t\\t\\t\\t\\n\\t\\t\\t\\t\\t\\t\\t\\t\\t\\t\\t\\n\\t\\t\\t\\t\\t\\t\\t\\t\\t\\t\\t\\t\\t\\n\\t\\t\\t\\t\\t\\t\\t\\t\\t\\tDe r\\u00e9duire son revenu imposable (gr\\u00e2ce \\u00e0 la d\\u00e9duction fiscale),\\n\\t\\t\\t\\t\\t\\t\\t\\t\\t\\n\\t\\t\\t\\t\\t\\t\\t\\t\\n\\t\\t\\t\\t\\t\\t\\t\\t\\t\\t\\t\\n\\t\\t\\t\\t\\t\\t\\t\\t\\t\\t\\t\\t\\t\\n\\t\\t\\t\\t\\t\\t\\t\\t\\t\\tDe se constituer un patrimoine \\u00e0 long-terme\\n\\t\\t\\t\\t\\t\\t\\t\\t\\t\\n\\t\\t\\t\\t\\t\\t\\t\\t\\n\\t\\t\\t\\t\\t\\t\\t\\t\\t\\t\\t\\n\\t\\t\\t\\t\\t\\t\\t\\t\\t\\t\\t\\t\\t\\n\\t\\t\\t\\t\\t\\t\\t\\t\\t\\tDe financer un projet immobilier ou un passage \\u00e0 l\\u2019ind\\u00e9pendance.\"}},{\"@type\":\"Question\",\"name\":\"Le pilier 3a est-il impos\\u00e9 \\u00e0 la sortie ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui, mais \\u00e0 un taux r\\u00e9duit \\u00e0 environ 1\\\/5 du taux d\\u2019imposition, s\\u00e9par\\u00e9ment du reste des revenus.\"}},{\"@type\":\"Question\",\"name\":\"Jusqu'\\u00e0 quand puis-je verser ma cotisation dans le 3a ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Vous devez effectuer des versements dans le pilier 3a au plus tard le 31 d\\u00e9cembre pour \\u00eatre d\\u00e9ductibles fiscalement de l\\u2019ann\\u00e9e en cours.\"}},{\"@type\":\"Question\",\"name\":\"Qui cotise au 2\\u00e8me pilier ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Tous les salari\\u00e9s de 17 ans ou plus dont le revenu annuel d\\u00e9passe CHF 22\\u2019680 (en 2026). Les ind\\u00e9pendants peuvent s\\u2019y affilier volontairement.\"}},{\"@type\":\"Question\",\"name\":\"Comment d\\u00e9bloquer son 2eme pilier en Suisse ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Vous pouvez d\\u00e9bloquer votre 2\\u00e8me pilier en Suisse \\u00e0 la retraite ou plus t\\u00f4t pour acheter un logement, devenir ind\\u00e9pendant ou quitter d\\u00e9finitivement le pays.\"}}]}<\/script>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-79dc9344 elementor-author-box--layout-image-left elementor-author-box--name-yes elementor-author-box--biography-yes elementor-widget elementor-widget-author-box\" data-id=\"79dc9344\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"author-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-author-box\">\n\t\t\t\n\t\t\t<div class=\"elementor-author-box__text\">\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/invexa.swiss\" target=\"_blank\">\n\t\t\t\t\t\t<h4 class=\"elementor-author-box__name\">\n\t\t\t\t\t\t\tClaire Fivaz\t\t\t\t\t\t<\/h4>\n\t\t\t\t\t<\/a>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-author-box__bio\">\n\t\t\t\t\t\tClaire Fivaz est conseill\u00e8re certifi\u00e9e IAF en assurance, pr\u00e9voyance et gestion de patrimoine, enregistr\u00e9e aupr\u00e8s de la FINMA (<a href=\"https:\/\/www.finma.ch\/fr\/autorisation\/intermediation-dassurance\/registersuche\/F01518014\" target=\"_blank\" rel=\"noopener noreferrer\">N\u00b0 F01518014<\/a>) et membre de l'Association Romande des Interm\u00e9diaires Financiers (ARIF, <a href=\"https:\/\/registre.arif.ch\/fr\/registre\/Fivaz\/Claire\/\" target=\"_blank\" rel=\"noopener noreferrer\">N\u00b0 19065<\/a>). Forte de plusieurs ann\u00e9es d'exp\u00e9rience en pr\u00e9voyance individuelle et professionnelle en Suisse, elle accompagne ses clients dans la planification de leur retraite et la gestion de leur patrimoine financier. Elle est \u00e9galement dipl\u00f4m\u00e9e d'un Bachelor en International Business Management de la HEG Gen\u00e8ve.\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\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\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-67c22b7 e-flex e-con-boxed e-con e-parent\" data-id=\"67c22b7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-7a0fbf3 e-con-full e-flex e-con e-child\" data-id=\"7a0fbf3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6ee90e7 elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"6ee90e7\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"contact\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Demandez un conseil pour le pilier 3a<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-55f317b elementor-widget elementor-widget-text-editor\" data-id=\"55f317b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Planifiez un rendez-vous<\/strong> sans engagement avec nos experts pour d\u00e9couvrir les <strong>solutions 3a<\/strong>, analyser vos besoins et comparer objectivement les meilleures options du march\u00e9.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0207fab elementor-widget__width-inherit elementor-widget elementor-widget-html\" data-id=\"0207fab\" data-element_type=\"widget\" data-e-type=\"widget\" data-no-translation=\"\" data-widget_type=\"html.default\">\n\t\t\t\t\t<style>.elementor-element-0207fab{display:none !important}<\/style>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4b39d86 elementor-widget__width-inherit elementor-widget elementor-widget-html\" data-id=\"4b39d86\" data-element_type=\"widget\" data-e-type=\"widget\" data-no-translation=\"\" data-widget_type=\"html.default\">\n\t\t\t\t\t<script src=\"https:\/\/js-eu1.hsforms.net\/forms\/embed\/146715982.js\" defer><\/script>\n<div class=\"hs-form-frame\" data-region=\"eu1\" data-form-id=\"764f0011-a9c8-4379-afa8-56856a625f97\" data-portal-id=\"146715982\"><\/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<div class=\"elementor-element elementor-element-09bd286 e-flex e-con-boxed e-con e-parent\" data-id=\"09bd286\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-aad1460 e-con-full e-flex e-con e-child\" data-id=\"aad1460\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7fcc5b3 elementor-widget elementor-widget-heading\" data-id=\"7fcc5b3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Tout savoir sur le pilier 3a<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-890574f elementor-widget elementor-widget-text-editor\" data-id=\"890574f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Pour aller plus loin, d\u00e9couvrez nos articles sur le pilier 3a, r\u00e9dig\u00e9s par nos experts.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-53eaef9 posts-slider elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"53eaef9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/invexa.swiss\/blog\/\">\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 aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Vers le blog<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5302330 posts-slider elementor-grid-4 elementor-grid-tablet-2 elementor-grid-mobile-1 elementor-posts--thumbnail-top elementor-widget elementor-widget-posts\" data-id=\"5302330\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;classic_row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:9,&quot;sizes&quot;:[]},&quot;classic_row_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:7,&quot;sizes&quot;:[]},&quot;classic_columns&quot;:&quot;4&quot;,&quot;classic_columns_tablet&quot;:&quot;2&quot;,&quot;classic_columns_mobile&quot;:&quot;1&quot;,&quot;classic_row_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"posts.classic\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-posts-container elementor-posts elementor-posts--skin-classic elementor-grid\" role=\"list\">\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-522 post type-post status-publish format-standard has-post-thumbnail hentry category-prevoyance category-fiscalite tag-3a tag-3eme-pilier\" role=\"listitem\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/invexa.swiss\/en\/rachat-3eme-pilier\/\" tabindex=\"-1\">\n\t\t\t<div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"768\" src=\"https:\/\/invexa.swiss\/wp-content\/uploads\/2026\/08\/Rachat-3eme-pilier-768x768.png\" class=\"attachment-medium_large size-medium_large wp-image-1148\" alt=\"Rachat 3\u00e8me pilier\" srcset=\"https:\/\/invexa.swiss\/wp-content\/uploads\/2026\/08\/Rachat-3eme-pilier-768x768.png 768w, https:\/\/invexa.swiss\/wp-content\/uploads\/2026\/08\/Rachat-3eme-pilier-300x300.png 300w, https:\/\/invexa.swiss\/wp-content\/uploads\/2026\/08\/Rachat-3eme-pilier-1024x1024.png 1024w, https:\/\/invexa.swiss\/wp-content\/uploads\/2026\/08\/Rachat-3eme-pilier-150x150.png 150w, https:\/\/invexa.swiss\/wp-content\/uploads\/2026\/08\/Rachat-3eme-pilier-1536x1536.png 1536w, https:\/\/invexa.swiss\/wp-content\/uploads\/2026\/08\/Rachat-3eme-pilier.png 2000w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h4 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/invexa.swiss\/en\/rachat-3eme-pilier\/\">\n\t\t\t\tRachat 3\u00e8me pilier : Comment \u00e7a marche ?\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\t\t<div class=\"elementor-post__meta-data\">\n\t\t\t\t\t<span class=\"elementor-post-date\">\n\t\t\tAugust 6, 2026\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/invexa.swiss\/en\/rachat-3eme-pilier\/\" aria-label=\"Read more about Rachat 3\u00e8me pilier : Comment \u00e7a marche ?\" tabindex=\"-1\" target=\"_blank\">\n\t\t\tEn savoir plus &#8594;\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-400 post type-post status-publish format-standard has-post-thumbnail hentry category-prevoyance tag-3a tag-3eme-pilier tag-frontalier\" role=\"listitem\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/invexa.swiss\/en\/3eme-pilier-frontalier\/\" tabindex=\"-1\">\n\t\t\t<div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"768\" src=\"https:\/\/invexa.swiss\/wp-content\/uploads\/2026\/08\/3eme-pilier-frontalier-768x768.png\" class=\"attachment-medium_large size-medium_large wp-image-860\" alt=\"3\u00e8me pilier frontalier\" srcset=\"https:\/\/invexa.swiss\/wp-content\/uploads\/2026\/08\/3eme-pilier-frontalier-768x768.png 768w, https:\/\/invexa.swiss\/wp-content\/uploads\/2026\/08\/3eme-pilier-frontalier-300x300.png 300w, https:\/\/invexa.swiss\/wp-content\/uploads\/2026\/08\/3eme-pilier-frontalier-1024x1024.png 1024w, https:\/\/invexa.swiss\/wp-content\/uploads\/2026\/08\/3eme-pilier-frontalier-150x150.png 150w, https:\/\/invexa.swiss\/wp-content\/uploads\/2026\/08\/3eme-pilier-frontalier-1536x1536.png 1536w, https:\/\/invexa.swiss\/wp-content\/uploads\/2026\/08\/3eme-pilier-frontalier.png 2000w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h4 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/invexa.swiss\/en\/3eme-pilier-frontalier\/\">\n\t\t\t\t3\u00e8me pilier pour les travailleurs frontaliers en Suisse\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\t\t<div class=\"elementor-post__meta-data\">\n\t\t\t\t\t<span class=\"elementor-post-date\">\n\t\t\tAugust 3, 2026\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/invexa.swiss\/en\/3eme-pilier-frontalier\/\" aria-label=\"Read more about 3\u00e8me pilier pour les travailleurs frontaliers en Suisse\" tabindex=\"-1\" target=\"_blank\">\n\t\t\tEn savoir plus &#8594;\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-396 post type-post status-publish format-standard has-post-thumbnail hentry category-retraite tag-2eme-pilier tag-3a tag-3b tag-3eme-pilier tag-avs tag-frontalier tag-lpp\" role=\"listitem\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/invexa.swiss\/en\/recuperer-retraite-suisse\/\" tabindex=\"-1\">\n\t\t\t<div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"768\" src=\"https:\/\/invexa.swiss\/wp-content\/uploads\/2026\/08\/Recuperer-sa-retraite-suisse-768x768.png\" class=\"attachment-medium_large size-medium_large wp-image-883\" alt=\"R\u00e9cup\u00e9rer sa retraite suisse\" srcset=\"https:\/\/invexa.swiss\/wp-content\/uploads\/2026\/08\/Recuperer-sa-retraite-suisse-768x768.png 768w, 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srcset=\"https:\/\/invexa.swiss\/wp-content\/uploads\/2026\/08\/Age-de-la-Retraite-en-Suisse-768x768.png 768w, https:\/\/invexa.swiss\/wp-content\/uploads\/2026\/08\/Age-de-la-Retraite-en-Suisse-300x300.png 300w, https:\/\/invexa.swiss\/wp-content\/uploads\/2026\/08\/Age-de-la-Retraite-en-Suisse-1024x1024.png 1024w, https:\/\/invexa.swiss\/wp-content\/uploads\/2026\/08\/Age-de-la-Retraite-en-Suisse-150x150.png 150w, https:\/\/invexa.swiss\/wp-content\/uploads\/2026\/08\/Age-de-la-Retraite-en-Suisse-1536x1536.png 1536w, https:\/\/invexa.swiss\/wp-content\/uploads\/2026\/08\/Age-de-la-Retraite-en-Suisse.png 2000w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h4 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/invexa.swiss\/en\/age-de-la-retraite-en-suisse\/\">\n\t\t\t\t\u00c2ge de la Retraite en Suisse : Guide complet et r\u00e9forme AVS 21\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\t\t<div class=\"elementor-post__meta-data\">\n\t\t\t\t\t<span class=\"elementor-post-date\">\n\t\t\tAugust 3, 2026\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/invexa.swiss\/en\/age-de-la-retraite-en-suisse\/\" aria-label=\"Read more about \u00c2ge de la Retraite en Suisse : Guide complet et r\u00e9forme AVS 21\" tabindex=\"-1\" target=\"_blank\">\n\t\t\tEn savoir plus &#8594;\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\n\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","protected":false},"excerpt":{"rendered":"<p>En 2026, le pilier 3a en Suisse franchit une \u00e9tape historique avec un plafond \u00e0 7&rsquo;258 CHF et l&rsquo;arriv\u00e9e des rachats r\u00e9troactifs. Bien plus qu&rsquo;une simple d\u00e9duction fiscale, la pr\u00e9voyance li\u00e9e est un levier de gestion de fortune. Ce guide d&rsquo;expert d\u00e9crypte les nouvelles r\u00e8gles 2026, l&rsquo;optimisation des retraits et l&rsquo;arbitrage crucial entre banque et assurance pour prot\u00e9ger votre capital et votre famille.<\/p>","protected":false},"author":1,"featured_media":1034,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false,"footnotes":""},"class_list":["post-360","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/pages\/360","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/comments?post=360"}],"version-history":[{"count":26,"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/pages\/360\/revisions"}],"predecessor-version":[{"id":2167,"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/pages\/360\/revisions\/2167"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/media\/1034"}],"wp:attachment":[{"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/media?parent=360"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}