{"id":2269,"date":"2026-09-15T07:54:26","date_gmt":"2026-09-15T07:54:26","guid":{"rendered":"https:\/\/invexa.swiss\/?p=2269"},"modified":"2026-09-15T09:25:44","modified_gmt":"2026-09-15T09:25:44","slug":"fixed-term-annuity","status":"publish","type":"post","link":"https:\/\/invexa.swiss\/en\/rente-certaine\/","title":{"rendered":"Fixed-Term Annuity: How It Works, Benefits, and Taxation"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"2269\" class=\"elementor elementor-2269\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1a46004 e-flex e-con-boxed e-con e-parent\" data-id=\"1a46004\" 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-6d663f9 e-con-full e-flex e-con e-child\" data-id=\"6d663f9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-be69d55 e-con-full e-flex e-con e-child\" data-id=\"be69d55\" 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-a02aad6 elementor-widget elementor-widget-heading\" data-id=\"a02aad6\" 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\">En bref : La rente certaine en Suisse<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-491b97b elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"491b97b\" 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=\"5bc1e4b2e8\"><path d=\"M 0 163 L 162.230469 163 L 162.230469 187.609375 L 0 187.609375 Z M 0 163 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"1ae224ed11\"><path d=\"M 187 0 L 212 0 L 212 162.722656 L 187 162.722656 Z M 187 0 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"bd96533006\"><path d=\"M 212.089844 187.441406 L 375 187.441406 L 375 212.488281 L 212.089844 212.488281 Z M 212.089844 187.441406 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"dd846df1dc\"><path d=\"M 162.230469 212.601562 L 187.125 212.601562 L 187.125 375 L 162.230469 375 Z M 162.230469 212.601562 \" 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162.996094 L 217.488281 179.6875 L 212.066406 187.472656 L 211.984375 187.609375 L 187.125 187.609375 L 201.558594 172.875 L 213.769531 160.417969 L 214.265625 160.496094 L 214.175781 160.011719 Z M 273.183594 99.761719 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 274.113281 274.558594 L 211.660156 230.101562 L 194.679688 217.996094 L 187.246094 212.722656 L 187.125 212.617188 L 187.125 187.609375 Z M 274.113281 274.558594 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><g clip-path=\"url(#dd846df1dc)\"><path fill=\"#071659\" d=\"M 187.125 212.8125 L 187.125 376.039062 L 162.675781 230.613281 L 179.90625 218.058594 Z M 187.125 212.8125 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 187.246094 212.722656 L 187.125 212.8125 L 187.125 212.617188 Z M 187.246094 212.722656 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 214.265625 160.496094 L 213.769531 160.417969 L 214.175781 160.011719 Z M 214.265625 160.496094 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.125 187.609375 L 172.6875 202.351562 L 160.492188 214.800781 L 160.089844 215.214844 L 101.066406 275.449219 L 145.144531 212.230469 L 156.78125 195.523438 L 162.183594 187.730469 L 162.289062 187.609375 Z M 187.125 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/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>Le principe :<\/strong> Versement d\u2019un revenu r\u00e9gulier et garanti sur une dur\u00e9e fixe (ex. 5 \u00e0 25 ans) en \u00e9change d'une prime unique.<\/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\" 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187.609375 Z M 187.125 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/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>Cadre l\u00e9gal :<\/strong> Log\u00e9e dans le pilier 3b (pr\u00e9voyance priv\u00e9e libre).<\/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><clipPath id=\"5bc1e4b2e8\"><path d=\"M 0 163 L 162.230469 163 L 162.230469 187.609375 L 0 187.609375 Z M 0 163 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"1ae224ed11\"><path d=\"M 187 0 L 212 0 L 212 162.722656 L 187 162.722656 Z M 187 0 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"bd96533006\"><path d=\"M 212.089844 187.441406 L 375 187.441406 L 375 212.488281 L 212.089844 212.488281 Z M 212.089844 187.441406 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"dd846df1dc\"><path d=\"M 162.230469 212.601562 L 187.125 212.601562 L 187.125 375 L 162.230469 375 Z M 162.230469 212.601562 \" clip-rule=\"nonzero\"><\/path><\/clipPath><\/defs><g clip-path=\"url(#5bc1e4b2e8)\"><path fill=\"#071659\" d=\"M 162.09375 187.609375 L -1.410156 187.609375 L 144.605469 163.078125 L 156.71875 180.050781 Z M 162.09375 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 187.125 162.398438 L 187.125 162.589844 L 186.996094 162.503906 Z M 187.125 162.398438 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 212.148438 187.609375 L 211.984375 187.609375 L 212.066406 187.472656 Z M 212.148438 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 162.289062 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212.148438 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 162.289062 187.609375 L 162.183594 187.730469 L 162.09375 187.609375 Z M 162.289062 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 273.183594 99.761719 L 229.121094 162.996094 L 217.488281 179.6875 L 212.066406 187.472656 L 211.984375 187.609375 L 187.125 187.609375 L 201.558594 172.875 L 213.769531 160.417969 L 214.265625 160.496094 L 214.175781 160.011719 Z M 273.183594 99.761719 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 274.113281 274.558594 L 211.660156 230.101562 L 194.679688 217.996094 L 187.246094 212.722656 L 187.125 212.617188 L 187.125 187.609375 Z M 274.113281 274.558594 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><g clip-path=\"url(#dd846df1dc)\"><path fill=\"#071659\" d=\"M 187.125 212.8125 L 187.125 376.039062 L 162.675781 230.613281 L 179.90625 218.058594 Z M 187.125 212.8125 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 187.246094 212.722656 L 187.125 212.8125 L 187.125 212.617188 Z M 187.246094 212.722656 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 214.265625 160.496094 L 213.769531 160.417969 L 214.175781 160.011719 Z M 214.265625 160.496094 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.125 187.609375 L 172.6875 202.351562 L 160.492188 214.800781 L 160.089844 215.214844 L 101.066406 275.449219 L 145.144531 212.230469 L 156.78125 195.523438 L 162.183594 187.730469 L 162.289062 187.609375 Z M 187.125 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/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>Pour qui ?<\/strong> Pour les profils tr\u00e8s prudents cherchant une s\u00e9curit\u00e9 absolue (ex: pont AVS).<\/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><clipPath id=\"5bc1e4b2e8\"><path d=\"M 0 163 L 162.230469 163 L 162.230469 187.609375 L 0 187.609375 Z M 0 163 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"1ae224ed11\"><path d=\"M 187 0 L 212 0 L 212 162.722656 L 187 162.722656 Z M 187 0 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"bd96533006\"><path d=\"M 212.089844 187.441406 L 375 187.441406 L 375 212.488281 L 212.089844 212.488281 Z M 212.089844 187.441406 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"dd846df1dc\"><path d=\"M 162.230469 212.601562 L 187.125 212.601562 L 187.125 375 L 162.230469 375 Z M 162.230469 212.601562 \" 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clip-path=\"url(#1ae224ed11)\"><path fill=\"#071659\" d=\"M 211.589844 144.605469 L 194.347656 157.152344 L 187.125 162.398438 L 187.125 -0.828125 Z M 211.589844 144.605469 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 214.265625 160.496094 L 213.769531 160.417969 L 214.175781 160.011719 Z M 214.265625 160.496094 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><g clip-path=\"url(#bd96533006)\"><path fill=\"#071659\" d=\"M 375.65625 187.609375 L 229.636719 212.132812 L 217.53125 195.152344 L 212.148438 187.609375 Z M 375.65625 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 212.148438 187.609375 L 211.984375 187.609375 L 212.066406 187.472656 Z M 212.148438 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.246094 212.722656 L 187.125 212.8125 L 187.125 212.617188 Z M 187.246094 212.722656 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 162.289062 187.609375 L 162.183594 187.730469 L 162.09375 187.609375 Z M 162.289062 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 187.125 162.398438 L 187.125 162.589844 L 186.996094 162.503906 Z M 187.125 162.398438 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.125 162.589844 L 187.125 187.609375 L 100.144531 100.675781 L 162.585938 145.109375 L 179.566406 157.214844 L 186.996094 162.503906 Z M 187.125 162.589844 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 212.148438 187.609375 L 211.984375 187.609375 L 212.066406 187.472656 Z M 212.148438 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 162.289062 187.609375 L 162.183594 187.730469 L 162.09375 187.609375 Z M 162.289062 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 273.183594 99.761719 L 229.121094 162.996094 L 217.488281 179.6875 L 212.066406 187.472656 L 211.984375 187.609375 L 187.125 187.609375 L 201.558594 172.875 L 213.769531 160.417969 L 214.265625 160.496094 L 214.175781 160.011719 Z M 273.183594 99.761719 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 274.113281 274.558594 L 211.660156 230.101562 L 194.679688 217.996094 L 187.246094 212.722656 L 187.125 212.617188 L 187.125 187.609375 Z M 274.113281 274.558594 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><g clip-path=\"url(#dd846df1dc)\"><path fill=\"#071659\" d=\"M 187.125 212.8125 L 187.125 376.039062 L 162.675781 230.613281 L 179.90625 218.058594 Z M 187.125 212.8125 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 187.246094 212.722656 L 187.125 212.8125 L 187.125 212.617188 Z M 187.246094 212.722656 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 214.265625 160.496094 L 213.769531 160.417969 L 214.175781 160.011719 Z M 214.265625 160.496094 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.125 187.609375 L 172.6875 202.351562 L 160.492188 214.800781 L 160.089844 215.214844 L 101.066406 275.449219 L 145.144531 212.230469 L 156.78125 195.523438 L 162.183594 187.730469 L 162.289062 187.609375 Z M 187.125 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/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>Points forts :<\/strong> S\u00e9curit\u00e9 du capital, taux d'int\u00e9r\u00eat technique garanti, et transmission int\u00e9grale des rentes restantes aux h\u00e9ritiers en cas 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\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"500\" zoomAndPan=\"magnify\" 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162.398438 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.125 162.589844 L 187.125 187.609375 L 100.144531 100.675781 L 162.585938 145.109375 L 179.566406 157.214844 L 186.996094 162.503906 Z M 187.125 162.589844 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 212.148438 187.609375 L 211.984375 187.609375 L 212.066406 187.472656 Z M 212.148438 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 162.289062 187.609375 L 162.183594 187.730469 L 162.09375 187.609375 Z M 162.289062 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 273.183594 99.761719 L 229.121094 162.996094 L 217.488281 179.6875 L 212.066406 187.472656 L 211.984375 187.609375 L 187.125 187.609375 L 201.558594 172.875 L 213.769531 160.417969 L 214.265625 160.496094 L 214.175781 160.011719 Z M 273.183594 99.761719 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 274.113281 274.558594 L 211.660156 230.101562 L 194.679688 217.996094 L 187.246094 212.722656 L 187.125 212.617188 L 187.125 187.609375 Z M 274.113281 274.558594 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><g clip-path=\"url(#dd846df1dc)\"><path fill=\"#071659\" d=\"M 187.125 212.8125 L 187.125 376.039062 L 162.675781 230.613281 L 179.90625 218.058594 Z M 187.125 212.8125 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 187.246094 212.722656 L 187.125 212.8125 L 187.125 212.617188 Z M 187.246094 212.722656 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 214.265625 160.496094 L 213.769531 160.417969 L 214.175781 160.011719 Z M 214.265625 160.496094 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.125 187.609375 L 172.6875 202.351562 L 160.492188 214.800781 L 160.089844 215.214844 L 101.066406 275.449219 L 145.144531 212.230469 L 156.78125 195.523438 L 162.183594 187.730469 L 162.289062 187.609375 Z M 187.125 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/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>Points faibles :<\/strong> Rendement faible, manque de flexibilit\u00e9 une fois le contrat sign\u00e9, inadapt\u00e9 \u00e0 la recherche de croissance du capital \u00e0 long terme.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3ce190c elementor-widget elementor-widget-heading\" data-id=\"3ce190c\" 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\">Comment fonctionne la rente certaine en Suisse ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3f2bd10 elementor-widget elementor-widget-text-editor\" data-id=\"3f2bd10\" 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 m\u00e9canisme de la rente certaine dans le <a href=\"https:\/\/invexa.swiss\/pilier-3b\/\">pilier 3b<\/a> repose sur un principe simple et contractuel : l\u2019assur\u00e9 verse un capital initial unique (la <strong>prime unique<\/strong>) \u00e0 une institution de pr\u00e9voyance ou un assureur sp\u00e9cialis\u00e9 en Suisse, comme les <strong>Rentes Genevoises<\/strong> ou les <strong>Retraites Populaires<\/strong>. En contrepartie, l\u2019organisme s\u2019engage \u00e0 verser un revenu r\u00e9gulier (mensuel, trimestriel ou annuel) selon des r\u00e8gles strictes d\u00e9finies d\u00e8s le d\u00e9part.<\/p><p>D\u00e8s la signature du contrat, plusieurs param\u00e8tres cl\u00e9s sont fix\u00e9s de mani\u00e8re d\u00e9finitive :<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-50b60c8 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"50b60c8\" 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\" 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274.558594 L 211.660156 230.101562 L 194.679688 217.996094 L 187.246094 212.722656 L 187.125 212.617188 L 187.125 187.609375 Z M 274.113281 274.558594 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><g clip-path=\"url(#dd846df1dc)\"><path fill=\"#071659\" d=\"M 187.125 212.8125 L 187.125 376.039062 L 162.675781 230.613281 L 179.90625 218.058594 Z M 187.125 212.8125 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 187.246094 212.722656 L 187.125 212.8125 L 187.125 212.617188 Z M 187.246094 212.722656 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 214.265625 160.496094 L 213.769531 160.417969 L 214.175781 160.011719 Z M 214.265625 160.496094 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.125 187.609375 L 172.6875 202.351562 L 160.492188 214.800781 L 160.089844 215.214844 L 101.066406 275.449219 L 145.144531 212.230469 L 156.78125 195.523438 L 162.183594 187.730469 L 162.289062 187.609375 Z M 187.125 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/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>Le choix de la dur\u00e9e :<\/strong> Contrairement \u00e0 la rente viag\u00e8re qui dure jusqu'au d\u00e9c\u00e8s, la rente certaine est programm\u00e9e sur une p\u00e9riode fixe, g\u00e9n\u00e9ralement comprise entre <strong>5 et 25 ans<\/strong>.<\/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><clipPath id=\"5bc1e4b2e8\"><path d=\"M 0 163 L 162.230469 163 L 162.230469 187.609375 L 0 187.609375 Z M 0 163 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"1ae224ed11\"><path d=\"M 187 0 L 212 0 L 212 162.722656 L 187 162.722656 Z M 187 0 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"bd96533006\"><path d=\"M 212.089844 187.441406 L 375 187.441406 L 375 212.488281 L 212.089844 212.488281 Z M 212.089844 187.441406 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"dd846df1dc\"><path d=\"M 162.230469 212.601562 L 187.125 212.601562 L 187.125 375 L 162.230469 375 Z M 162.230469 212.601562 \" clip-rule=\"nonzero\"><\/path><\/clipPath><\/defs><g clip-path=\"url(#5bc1e4b2e8)\"><path fill=\"#071659\" d=\"M 162.09375 187.609375 L -1.410156 187.609375 L 144.605469 163.078125 L 156.71875 180.050781 Z M 162.09375 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 187.125 162.398438 L 187.125 162.589844 L 186.996094 162.503906 Z M 187.125 162.398438 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 212.148438 187.609375 L 211.984375 187.609375 L 212.066406 187.472656 Z M 212.148438 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 162.289062 187.609375 L 162.183594 187.730469 L 162.09375 187.609375 Z M 162.289062 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 187.246094 212.722656 L 187.125 212.8125 L 187.125 212.617188 Z M 187.246094 212.722656 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><g clip-path=\"url(#1ae224ed11)\"><path fill=\"#071659\" d=\"M 211.589844 144.605469 L 194.347656 157.152344 L 187.125 162.398438 L 187.125 -0.828125 Z M 211.589844 144.605469 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 214.265625 160.496094 L 213.769531 160.417969 L 214.175781 160.011719 Z M 214.265625 160.496094 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><g clip-path=\"url(#bd96533006)\"><path fill=\"#071659\" d=\"M 375.65625 187.609375 L 229.636719 212.132812 L 217.53125 195.152344 L 212.148438 187.609375 Z M 375.65625 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 212.148438 187.609375 L 211.984375 187.609375 L 212.066406 187.472656 Z M 212.148438 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.246094 212.722656 L 187.125 212.8125 L 187.125 212.617188 Z M 187.246094 212.722656 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 162.289062 187.609375 L 162.183594 187.730469 L 162.09375 187.609375 Z M 162.289062 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 187.125 162.398438 L 187.125 162.589844 L 186.996094 162.503906 Z M 187.125 162.398438 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.125 162.589844 L 187.125 187.609375 L 100.144531 100.675781 L 162.585938 145.109375 L 179.566406 157.214844 L 186.996094 162.503906 Z M 187.125 162.589844 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 212.148438 187.609375 L 211.984375 187.609375 L 212.066406 187.472656 Z M 212.148438 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 162.289062 187.609375 L 162.183594 187.730469 L 162.09375 187.609375 Z M 162.289062 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 273.183594 99.761719 L 229.121094 162.996094 L 217.488281 179.6875 L 212.066406 187.472656 L 211.984375 187.609375 L 187.125 187.609375 L 201.558594 172.875 L 213.769531 160.417969 L 214.265625 160.496094 L 214.175781 160.011719 Z M 273.183594 99.761719 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 274.113281 274.558594 L 211.660156 230.101562 L 194.679688 217.996094 L 187.246094 212.722656 L 187.125 212.617188 L 187.125 187.609375 Z M 274.113281 274.558594 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><g clip-path=\"url(#dd846df1dc)\"><path fill=\"#071659\" d=\"M 187.125 212.8125 L 187.125 376.039062 L 162.675781 230.613281 L 179.90625 218.058594 Z M 187.125 212.8125 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 187.246094 212.722656 L 187.125 212.8125 L 187.125 212.617188 Z M 187.246094 212.722656 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 214.265625 160.496094 L 213.769531 160.417969 L 214.175781 160.011719 Z M 214.265625 160.496094 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.125 187.609375 L 172.6875 202.351562 L 160.492188 214.800781 L 160.089844 215.214844 L 101.066406 275.449219 L 145.144531 212.230469 L 156.78125 195.523438 L 162.183594 187.730469 L 162.289062 187.609375 Z M 187.125 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/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>Le moment du versement :<\/strong> Le flux de rentes peut d\u00e9buter imm\u00e9diatement apr\u00e8s le versement de la prime unique (rente imm\u00e9diate), ou \u00eatre planifi\u00e9 pour plus tard (rente diff\u00e9r\u00e9e), par exemple pour co\u00efncider avec l'arr\u00eat de la vie active.<\/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><clipPath id=\"5bc1e4b2e8\"><path d=\"M 0 163 L 162.230469 163 L 162.230469 187.609375 L 0 187.609375 Z M 0 163 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"1ae224ed11\"><path d=\"M 187 0 L 212 0 L 212 162.722656 L 187 162.722656 Z M 187 0 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"bd96533006\"><path d=\"M 212.089844 187.441406 L 375 187.441406 L 375 212.488281 L 212.089844 212.488281 Z M 212.089844 187.441406 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"dd846df1dc\"><path d=\"M 162.230469 212.601562 L 187.125 212.601562 L 187.125 375 L 162.230469 375 Z M 162.230469 212.601562 \" clip-rule=\"nonzero\"><\/path><\/clipPath><\/defs><g clip-path=\"url(#5bc1e4b2e8)\"><path fill=\"#071659\" d=\"M 162.09375 187.609375 L -1.410156 187.609375 L 144.605469 163.078125 L 156.71875 180.050781 Z M 162.09375 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 187.125 162.398438 L 187.125 162.589844 L 186.996094 162.503906 Z M 187.125 162.398438 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 212.148438 187.609375 L 211.984375 187.609375 L 212.066406 187.472656 Z M 212.148438 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 162.289062 187.609375 L 162.183594 187.730469 L 162.09375 187.609375 Z M 162.289062 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 187.246094 212.722656 L 187.125 212.8125 L 187.125 212.617188 Z M 187.246094 212.722656 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><g clip-path=\"url(#1ae224ed11)\"><path fill=\"#071659\" d=\"M 211.589844 144.605469 L 194.347656 157.152344 L 187.125 162.398438 L 187.125 -0.828125 Z M 211.589844 144.605469 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 214.265625 160.496094 L 213.769531 160.417969 L 214.175781 160.011719 Z M 214.265625 160.496094 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><g clip-path=\"url(#bd96533006)\"><path fill=\"#071659\" d=\"M 375.65625 187.609375 L 229.636719 212.132812 L 217.53125 195.152344 L 212.148438 187.609375 Z M 375.65625 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 212.148438 187.609375 L 211.984375 187.609375 L 212.066406 187.472656 Z M 212.148438 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.246094 212.722656 L 187.125 212.8125 L 187.125 212.617188 Z M 187.246094 212.722656 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 162.289062 187.609375 L 162.183594 187.730469 L 162.09375 187.609375 Z M 162.289062 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 187.125 162.398438 L 187.125 162.589844 L 186.996094 162.503906 Z M 187.125 162.398438 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.125 162.589844 L 187.125 187.609375 L 100.144531 100.675781 L 162.585938 145.109375 L 179.566406 157.214844 L 186.996094 162.503906 Z M 187.125 162.589844 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 212.148438 187.609375 L 211.984375 187.609375 L 212.066406 187.472656 Z M 212.148438 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 162.289062 187.609375 L 162.183594 187.730469 L 162.09375 187.609375 Z M 162.289062 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 273.183594 99.761719 L 229.121094 162.996094 L 217.488281 179.6875 L 212.066406 187.472656 L 211.984375 187.609375 L 187.125 187.609375 L 201.558594 172.875 L 213.769531 160.417969 L 214.265625 160.496094 L 214.175781 160.011719 Z M 273.183594 99.761719 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 274.113281 274.558594 L 211.660156 230.101562 L 194.679688 217.996094 L 187.246094 212.722656 L 187.125 212.617188 L 187.125 187.609375 Z M 274.113281 274.558594 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><g clip-path=\"url(#dd846df1dc)\"><path fill=\"#071659\" d=\"M 187.125 212.8125 L 187.125 376.039062 L 162.675781 230.613281 L 179.90625 218.058594 Z M 187.125 212.8125 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 187.246094 212.722656 L 187.125 212.8125 L 187.125 212.617188 Z M 187.246094 212.722656 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 214.265625 160.496094 L 213.769531 160.417969 L 214.175781 160.011719 Z M 214.265625 160.496094 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.125 187.609375 L 172.6875 202.351562 L 160.492188 214.800781 L 160.089844 215.214844 L 101.066406 275.449219 L 145.144531 212.230469 L 156.78125 195.523438 L 162.183594 187.730469 L 162.289062 187.609375 Z M 187.125 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/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>Le taux d'int\u00e9r\u00eat technique :<\/strong> C'est la pierre angulaire du syst\u00e8me. Il s'agit d'un taux fixe garanti par l'assureur pour toute la dur\u00e9e du contrat, rendant le placement <strong>totalement ind\u00e9pendant des fluctuations et des crises des march\u00e9s financiers<\/strong>.<\/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-f580435 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"f580435\" 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-fas-info-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.043 8 8 119.083 8 256c0 136.997 111.043 248 248 248s248-111.003 248-248C504 119.083 392.957 8 256 8zm0 110c23.196 0 42 18.804 42 42s-18.804 42-42 42-42-18.804-42-42 18.804-42 42-42zm56 254c0 6.627-5.373 12-12 12h-88c-6.627 0-12-5.373-12-12v-24c0-6.627 5.373-12 12-12h12v-64h-12c-6.627 0-12-5.373-12-12v-24c0-6.627 5.373-12 12-12h64c6.627 0 12 5.373 12 12v100h12c6.627 0 12 5.373 12 12v24z\"><\/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\">Ce fonctionnement offre une visibilit\u00e9 budg\u00e9taire absolue, mais implique aussi un engagement rigide : une fois le capital vers\u00e9 et le contrat valid\u00e9, il n'est g\u00e9n\u00e9ralement plus possible de modifier la dur\u00e9e ou de r\u00e9cup\u00e9rer l'int\u00e9gralit\u00e9 du capital de mani\u00e8re anticip\u00e9e sans p\u00e9nalit\u00e9s.<\/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-647f6e1 elementor-widget elementor-widget-heading\" data-id=\"647f6e1\" 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\">Les avantages cl\u00e9s par rapport aux autres placements<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d2d4122 elementor-widget elementor-widget-text-editor\" data-id=\"d2d4122\" 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 la rente certaine s\u00e9duit les \u00e9pargnants averses au risque, c&rsquo;est parce qu&rsquo;elle offre des caract\u00e9ristiques sp\u00e9cifiques que l&rsquo;on retrouve rarement combin\u00e9es dans d&rsquo;autres produits financiers :<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-622ce60 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"622ce60\" 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=\"5bc1e4b2e8\"><path d=\"M 0 163 L 162.230469 163 L 162.230469 187.609375 L 0 187.609375 Z M 0 163 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"1ae224ed11\"><path d=\"M 187 0 L 212 0 L 212 162.722656 L 187 162.722656 Z M 187 0 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"bd96533006\"><path d=\"M 212.089844 187.441406 L 375 187.441406 L 375 212.488281 L 212.089844 212.488281 Z M 212.089844 187.441406 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"dd846df1dc\"><path d=\"M 162.230469 212.601562 L 187.125 212.601562 L 187.125 375 L 162.230469 375 Z M 162.230469 212.601562 \" clip-rule=\"nonzero\"><\/path><\/clipPath><\/defs><g clip-path=\"url(#5bc1e4b2e8)\"><path fill=\"#071659\" d=\"M 162.09375 187.609375 L -1.410156 187.609375 L 144.605469 163.078125 L 156.71875 180.050781 Z M 162.09375 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 187.125 162.398438 L 187.125 162.589844 L 186.996094 162.503906 Z M 187.125 162.398438 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 212.148438 187.609375 L 211.984375 187.609375 L 212.066406 187.472656 Z M 212.148438 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 162.289062 187.609375 L 162.183594 187.730469 L 162.09375 187.609375 Z M 162.289062 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 187.246094 212.722656 L 187.125 212.8125 L 187.125 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212.617188 Z M 187.246094 212.722656 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 162.289062 187.609375 L 162.183594 187.730469 L 162.09375 187.609375 Z M 162.289062 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 187.125 162.398438 L 187.125 162.589844 L 186.996094 162.503906 Z M 187.125 162.398438 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.125 162.589844 L 187.125 187.609375 L 100.144531 100.675781 L 162.585938 145.109375 L 179.566406 157.214844 L 186.996094 162.503906 Z M 187.125 162.589844 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 212.148438 187.609375 L 211.984375 187.609375 L 212.066406 187.472656 Z M 212.148438 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 162.289062 187.609375 L 162.183594 187.730469 L 162.09375 187.609375 Z M 162.289062 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 273.183594 99.761719 L 229.121094 162.996094 L 217.488281 179.6875 L 212.066406 187.472656 L 211.984375 187.609375 L 187.125 187.609375 L 201.558594 172.875 L 213.769531 160.417969 L 214.265625 160.496094 L 214.175781 160.011719 Z M 273.183594 99.761719 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 274.113281 274.558594 L 211.660156 230.101562 L 194.679688 217.996094 L 187.246094 212.722656 L 187.125 212.617188 L 187.125 187.609375 Z M 274.113281 274.558594 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><g clip-path=\"url(#dd846df1dc)\"><path fill=\"#071659\" d=\"M 187.125 212.8125 L 187.125 376.039062 L 162.675781 230.613281 L 179.90625 218.058594 Z M 187.125 212.8125 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 187.246094 212.722656 L 187.125 212.8125 L 187.125 212.617188 Z M 187.246094 212.722656 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 214.265625 160.496094 L 213.769531 160.417969 L 214.175781 160.011719 Z M 214.265625 160.496094 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.125 187.609375 L 172.6875 202.351562 L 160.492188 214.800781 L 160.089844 215.214844 L 101.066406 275.449219 L 145.144531 212.230469 L 156.78125 195.523438 L 162.183594 187.730469 L 162.289062 187.609375 Z M 187.125 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/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>S\u00e9curit\u00e9 totale et pr\u00e9visibilit\u00e9 :<\/strong> Le capital investi et les int\u00e9r\u00eats sont enti\u00e8rement garantis par l'institution de pr\u00e9voyance. Aucun krach boursier ne viendra impacter le montant des versements pr\u00e9vus, offrant une tranquillit\u00e9 d'esprit totale aux profils prudents.<\/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><clipPath id=\"5bc1e4b2e8\"><path d=\"M 0 163 L 162.230469 163 L 162.230469 187.609375 L 0 187.609375 Z M 0 163 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"1ae224ed11\"><path d=\"M 187 0 L 212 0 L 212 162.722656 L 187 162.722656 Z M 187 0 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"bd96533006\"><path d=\"M 212.089844 187.441406 L 375 187.441406 L 375 212.488281 L 212.089844 212.488281 Z M 212.089844 187.441406 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"dd846df1dc\"><path d=\"M 162.230469 212.601562 L 187.125 212.601562 L 187.125 375 L 162.230469 375 Z M 162.230469 212.601562 \" clip-rule=\"nonzero\"><\/path><\/clipPath><\/defs><g clip-path=\"url(#5bc1e4b2e8)\"><path fill=\"#071659\" d=\"M 162.09375 187.609375 L -1.410156 187.609375 L 144.605469 163.078125 L 156.71875 180.050781 Z M 162.09375 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 187.125 162.398438 L 187.125 162.589844 L 186.996094 162.503906 Z M 187.125 162.398438 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 212.148438 187.609375 L 211.984375 187.609375 L 212.066406 187.472656 Z M 212.148438 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 162.289062 187.609375 L 162.183594 187.730469 L 162.09375 187.609375 Z M 162.289062 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path 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fill=\"#071659\" d=\"M 187.246094 212.722656 L 187.125 212.8125 L 187.125 212.617188 Z M 187.246094 212.722656 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 162.289062 187.609375 L 162.183594 187.730469 L 162.09375 187.609375 Z M 162.289062 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 187.125 162.398438 L 187.125 162.589844 L 186.996094 162.503906 Z M 187.125 162.398438 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.125 162.589844 L 187.125 187.609375 L 100.144531 100.675781 L 162.585938 145.109375 L 179.566406 157.214844 L 186.996094 162.503906 Z M 187.125 162.589844 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 212.148438 187.609375 L 211.984375 187.609375 L 212.066406 187.472656 Z M 212.148438 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 162.289062 187.609375 L 162.183594 187.730469 L 162.09375 187.609375 Z M 162.289062 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 273.183594 99.761719 L 229.121094 162.996094 L 217.488281 179.6875 L 212.066406 187.472656 L 211.984375 187.609375 L 187.125 187.609375 L 201.558594 172.875 L 213.769531 160.417969 L 214.265625 160.496094 L 214.175781 160.011719 Z M 273.183594 99.761719 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 274.113281 274.558594 L 211.660156 230.101562 L 194.679688 217.996094 L 187.246094 212.722656 L 187.125 212.617188 L 187.125 187.609375 Z M 274.113281 274.558594 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><g clip-path=\"url(#dd846df1dc)\"><path fill=\"#071659\" d=\"M 187.125 212.8125 L 187.125 376.039062 L 162.675781 230.613281 L 179.90625 218.058594 Z M 187.125 212.8125 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 187.246094 212.722656 L 187.125 212.8125 L 187.125 212.617188 Z M 187.246094 212.722656 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 214.265625 160.496094 L 213.769531 160.417969 L 214.175781 160.011719 Z M 214.265625 160.496094 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.125 187.609375 L 172.6875 202.351562 L 160.492188 214.800781 L 160.089844 215.214844 L 101.066406 275.449219 L 145.144531 212.230469 L 156.78125 195.523438 L 162.183594 187.730469 L 162.289062 187.609375 Z M 187.125 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/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>La transmission int\u00e9grale en cas de d\u00e9c\u00e8s (Le gros point fort) :<\/strong> C'est la diff\u00e9rence majeure avec la rente viag\u00e8re. Avec une rente viag\u00e8re classique, si le b\u00e9n\u00e9ficiaire d\u00e9c\u00e8de pr\u00e9matur\u00e9ment, l'assureur conserve g\u00e9n\u00e9ralement le solde du capital. \u00c0 l'inverse, avec la rente certaine, si vous d\u00e9c\u00e9dez avant la fin de la p\u00e9riode convenue, 100 % des rentes restantes sont vers\u00e9es aux b\u00e9n\u00e9ficiaires d\u00e9sign\u00e9s (conjoint, enfants, etc.).<\/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><clipPath id=\"5bc1e4b2e8\"><path d=\"M 0 163 L 162.230469 163 L 162.230469 187.609375 L 0 187.609375 Z M 0 163 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"1ae224ed11\"><path d=\"M 187 0 L 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fill=\"#071659\" d=\"M 212.148438 187.609375 L 211.984375 187.609375 L 212.066406 187.472656 Z M 212.148438 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 162.289062 187.609375 L 162.183594 187.730469 L 162.09375 187.609375 Z M 162.289062 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 273.183594 99.761719 L 229.121094 162.996094 L 217.488281 179.6875 L 212.066406 187.472656 L 211.984375 187.609375 L 187.125 187.609375 L 201.558594 172.875 L 213.769531 160.417969 L 214.265625 160.496094 L 214.175781 160.011719 Z M 273.183594 99.761719 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 274.113281 274.558594 L 211.660156 230.101562 L 194.679688 217.996094 L 187.246094 212.722656 L 187.125 212.617188 L 187.125 187.609375 Z M 274.113281 274.558594 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><g clip-path=\"url(#dd846df1dc)\"><path fill=\"#071659\" d=\"M 187.125 212.8125 L 187.125 376.039062 L 162.675781 230.613281 L 179.90625 218.058594 Z M 187.125 212.8125 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 187.246094 212.722656 L 187.125 212.8125 L 187.125 212.617188 Z M 187.246094 212.722656 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 214.265625 160.496094 L 213.769531 160.417969 L 214.175781 160.011719 Z M 214.265625 160.496094 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.125 187.609375 L 172.6875 202.351562 L 160.492188 214.800781 L 160.089844 215.214844 L 101.066406 275.449219 L 145.144531 212.230469 L 156.78125 195.523438 L 162.183594 187.730469 L 162.289062 187.609375 Z M 187.125 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/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>Id\u00e9al pour la transition (Pont AVS \/ Retraite anticip\u00e9e) :<\/strong> Gr\u00e2ce \u00e0 sa dur\u00e9e ajustable, elle s'av\u00e8re redoutable pour combler une p\u00e9riode pr\u00e9cise sans revenus professionnels, par exemple, pour financer un pont AVS entre l'arr\u00eat d'une activit\u00e9 \u00e0 60 ans et l'\u00e2ge l\u00e9gal de la retraite, ou pour lisser une transition douce vers la cessation d'activit\u00e9.<\/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-59a2546 elementor-widget elementor-widget-heading\" data-id=\"59a2546\" 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\">Les inconv\u00e9nients et limites de la rente certaine<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-78e01cb elementor-widget elementor-widget-text-editor\" data-id=\"78e01cb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tSi la rente certaine offre un niveau de s\u00e9curit\u00e9 \u00e9lev\u00e9, elle comporte des limites structurelles importantes qu&rsquo;il faut imp\u00e9rativement int\u00e9grer avant de s&rsquo;engager. Ce produit ne convient pas \u00e0 tous les profils d&rsquo;investisseurs en Suisse :\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-326b674 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"326b674\" 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=\"5bc1e4b2e8\"><path d=\"M 0 163 L 162.230469 163 L 162.230469 187.609375 L 0 187.609375 Z M 0 163 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"1ae224ed11\"><path d=\"M 187 0 L 212 0 L 212 162.722656 L 187 162.722656 Z M 187 0 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"bd96533006\"><path d=\"M 212.089844 187.441406 L 375 187.441406 L 375 212.488281 L 212.089844 212.488281 Z M 212.089844 187.441406 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"dd846df1dc\"><path d=\"M 162.230469 212.601562 L 187.125 212.601562 L 187.125 375 L 162.230469 375 Z M 162.230469 212.601562 \" clip-rule=\"nonzero\"><\/path><\/clipPath><\/defs><g clip-path=\"url(#5bc1e4b2e8)\"><path fill=\"#071659\" d=\"M 162.09375 187.609375 L -1.410156 187.609375 L 144.605469 163.078125 L 156.71875 180.050781 Z M 162.09375 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 187.125 162.398438 L 187.125 162.589844 L 186.996094 162.503906 Z M 187.125 162.398438 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 212.148438 187.609375 L 211.984375 187.609375 L 212.066406 187.472656 Z M 212.148438 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 162.289062 187.609375 L 162.183594 187.730469 L 162.09375 187.609375 Z M 162.289062 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 187.246094 212.722656 L 187.125 212.8125 L 187.125 212.617188 Z M 187.246094 212.722656 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><g clip-path=\"url(#1ae224ed11)\"><path fill=\"#071659\" d=\"M 211.589844 144.605469 L 194.347656 157.152344 L 187.125 162.398438 L 187.125 -0.828125 Z M 211.589844 144.605469 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 214.265625 160.496094 L 213.769531 160.417969 L 214.175781 160.011719 Z M 214.265625 160.496094 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><g clip-path=\"url(#bd96533006)\"><path fill=\"#071659\" d=\"M 375.65625 187.609375 L 229.636719 212.132812 L 217.53125 195.152344 L 212.148438 187.609375 Z M 375.65625 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 212.148438 187.609375 L 211.984375 187.609375 L 212.066406 187.472656 Z M 212.148438 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.246094 212.722656 L 187.125 212.8125 L 187.125 212.617188 Z M 187.246094 212.722656 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 162.289062 187.609375 L 162.183594 187.730469 L 162.09375 187.609375 Z M 162.289062 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 187.125 162.398438 L 187.125 162.589844 L 186.996094 162.503906 Z M 187.125 162.398438 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.125 162.589844 L 187.125 187.609375 L 100.144531 100.675781 L 162.585938 145.109375 L 179.566406 157.214844 L 186.996094 162.503906 Z M 187.125 162.589844 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 212.148438 187.609375 L 211.984375 187.609375 L 212.066406 187.472656 Z M 212.148438 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 162.289062 187.609375 L 162.183594 187.730469 L 162.09375 187.609375 Z M 162.289062 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 273.183594 99.761719 L 229.121094 162.996094 L 217.488281 179.6875 L 212.066406 187.472656 L 211.984375 187.609375 L 187.125 187.609375 L 201.558594 172.875 L 213.769531 160.417969 L 214.265625 160.496094 L 214.175781 160.011719 Z M 273.183594 99.761719 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 274.113281 274.558594 L 211.660156 230.101562 L 194.679688 217.996094 L 187.246094 212.722656 L 187.125 212.617188 L 187.125 187.609375 Z M 274.113281 274.558594 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><g clip-path=\"url(#dd846df1dc)\"><path fill=\"#071659\" d=\"M 187.125 212.8125 L 187.125 376.039062 L 162.675781 230.613281 L 179.90625 218.058594 Z M 187.125 212.8125 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 187.246094 212.722656 L 187.125 212.8125 L 187.125 212.617188 Z M 187.246094 212.722656 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 214.265625 160.496094 L 213.769531 160.417969 L 214.175781 160.011719 Z M 214.265625 160.496094 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.125 187.609375 L 172.6875 202.351562 L 160.492188 214.800781 L 160.089844 215.214844 L 101.066406 275.449219 L 145.144531 212.230469 L 156.78125 195.523438 L 162.183594 187.730469 L 162.289062 187.609375 Z M 187.125 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/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>Un rendement globalement faible :<\/strong> En contrepartie d'une garantie totale, le taux d'int\u00e9r\u00eat technique appliqu\u00e9 est g\u00e9n\u00e9ralement bas. Face \u00e0 l'inflation \u00e0 long terme, le pouvoir d'achat du capital initial s'\u00e9rode progressivement.<\/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><clipPath id=\"5bc1e4b2e8\"><path d=\"M 0 163 L 162.230469 163 L 162.230469 187.609375 L 0 187.609375 Z M 0 163 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"1ae224ed11\"><path d=\"M 187 0 L 212 0 L 212 162.722656 L 187 162.722656 Z M 187 0 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"bd96533006\"><path d=\"M 212.089844 187.441406 L 375 187.441406 L 375 212.488281 L 212.089844 212.488281 Z M 212.089844 187.441406 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"dd846df1dc\"><path d=\"M 162.230469 212.601562 L 187.125 212.601562 L 187.125 375 L 162.230469 375 Z M 162.230469 212.601562 \" clip-rule=\"nonzero\"><\/path><\/clipPath><\/defs><g clip-path=\"url(#5bc1e4b2e8)\"><path fill=\"#071659\" d=\"M 162.09375 187.609375 L -1.410156 187.609375 L 144.605469 163.078125 L 156.71875 180.050781 Z M 162.09375 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 187.125 162.398438 L 187.125 162.589844 L 186.996094 162.503906 Z M 187.125 162.398438 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 212.148438 187.609375 L 211.984375 187.609375 L 212.066406 187.472656 Z M 212.148438 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 162.289062 187.609375 L 162.183594 187.730469 L 162.09375 187.609375 Z M 162.289062 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path 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fill=\"#071659\" d=\"M 187.246094 212.722656 L 187.125 212.8125 L 187.125 212.617188 Z M 187.246094 212.722656 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 162.289062 187.609375 L 162.183594 187.730469 L 162.09375 187.609375 Z M 162.289062 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 187.125 162.398438 L 187.125 162.589844 L 186.996094 162.503906 Z M 187.125 162.398438 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.125 162.589844 L 187.125 187.609375 L 100.144531 100.675781 L 162.585938 145.109375 L 179.566406 157.214844 L 186.996094 162.503906 Z M 187.125 162.589844 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 212.148438 187.609375 L 211.984375 187.609375 L 212.066406 187.472656 Z M 212.148438 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 162.289062 187.609375 L 162.183594 187.730469 L 162.09375 187.609375 Z M 162.289062 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 273.183594 99.761719 L 229.121094 162.996094 L 217.488281 179.6875 L 212.066406 187.472656 L 211.984375 187.609375 L 187.125 187.609375 L 201.558594 172.875 L 213.769531 160.417969 L 214.265625 160.496094 L 214.175781 160.011719 Z M 273.183594 99.761719 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 274.113281 274.558594 L 211.660156 230.101562 L 194.679688 217.996094 L 187.246094 212.722656 L 187.125 212.617188 L 187.125 187.609375 Z M 274.113281 274.558594 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><g clip-path=\"url(#dd846df1dc)\"><path fill=\"#071659\" d=\"M 187.125 212.8125 L 187.125 376.039062 L 162.675781 230.613281 L 179.90625 218.058594 Z M 187.125 212.8125 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 187.246094 212.722656 L 187.125 212.8125 L 187.125 212.617188 Z M 187.246094 212.722656 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 214.265625 160.496094 L 213.769531 160.417969 L 214.175781 160.011719 Z M 214.265625 160.496094 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.125 187.609375 L 172.6875 202.351562 L 160.492188 214.800781 L 160.089844 215.214844 L 101.066406 275.449219 L 145.144531 212.230469 L 156.78125 195.523438 L 162.183594 187.730469 L 162.289062 187.609375 Z M 187.125 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/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>Une rigidit\u00e9 contractuelle totale :<\/strong> Une fois la prime unique vers\u00e9e et le contrat sign\u00e9, la d\u00e9cision est irr\u00e9versible. Il est le plus souvent impossible de modifier la dur\u00e9e, d'ajuster le montant des versements ou de r\u00e9cup\u00e9rer le capital en bloc de mani\u00e8re anticip\u00e9e sans subir de lourdes p\u00e9nalit\u00e9s de rachat.<\/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><clipPath id=\"5bc1e4b2e8\"><path d=\"M 0 163 L 162.230469 163 L 162.230469 187.609375 L 0 187.609375 Z M 0 163 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"1ae224ed11\"><path d=\"M 187 0 L 212 0 L 212 162.722656 L 187 162.722656 Z M 187 0 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"bd96533006\"><path d=\"M 212.089844 187.441406 L 375 187.441406 L 375 212.488281 L 212.089844 212.488281 Z M 212.089844 187.441406 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"dd846df1dc\"><path d=\"M 162.230469 212.601562 L 187.125 212.601562 L 187.125 375 L 162.230469 375 Z M 162.230469 212.601562 \" clip-rule=\"nonzero\"><\/path><\/clipPath><\/defs><g clip-path=\"url(#5bc1e4b2e8)\"><path fill=\"#071659\" d=\"M 162.09375 187.609375 L -1.410156 187.609375 L 144.605469 163.078125 L 156.71875 180.050781 Z M 162.09375 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 187.125 162.398438 L 187.125 162.589844 L 186.996094 162.503906 Z M 187.125 162.398438 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 212.148438 187.609375 L 211.984375 187.609375 L 212.066406 187.472656 Z M 212.148438 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 162.289062 187.609375 L 162.183594 187.730469 L 162.09375 187.609375 Z M 162.289062 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187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.246094 212.722656 L 187.125 212.8125 L 187.125 212.617188 Z M 187.246094 212.722656 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 162.289062 187.609375 L 162.183594 187.730469 L 162.09375 187.609375 Z M 162.289062 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 187.125 162.398438 L 187.125 162.589844 L 186.996094 162.503906 Z M 187.125 162.398438 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.125 162.589844 L 187.125 187.609375 L 100.144531 100.675781 L 162.585938 145.109375 L 179.566406 157.214844 L 186.996094 162.503906 Z M 187.125 162.589844 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 212.148438 187.609375 L 211.984375 187.609375 L 212.066406 187.472656 Z M 212.148438 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 162.289062 187.609375 L 162.183594 187.730469 L 162.09375 187.609375 Z M 162.289062 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 273.183594 99.761719 L 229.121094 162.996094 L 217.488281 179.6875 L 212.066406 187.472656 L 211.984375 187.609375 L 187.125 187.609375 L 201.558594 172.875 L 213.769531 160.417969 L 214.265625 160.496094 L 214.175781 160.011719 Z M 273.183594 99.761719 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 274.113281 274.558594 L 211.660156 230.101562 L 194.679688 217.996094 L 187.246094 212.722656 L 187.125 212.617188 L 187.125 187.609375 Z M 274.113281 274.558594 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><g clip-path=\"url(#dd846df1dc)\"><path fill=\"#071659\" d=\"M 187.125 212.8125 L 187.125 376.039062 L 162.675781 230.613281 L 179.90625 218.058594 Z M 187.125 212.8125 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 187.246094 212.722656 L 187.125 212.8125 L 187.125 212.617188 Z M 187.246094 212.722656 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 214.265625 160.496094 L 213.769531 160.417969 L 214.175781 160.011719 Z M 214.265625 160.496094 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.125 187.609375 L 172.6875 202.351562 L 160.492188 214.800781 L 160.089844 215.214844 L 101.066406 275.449219 L 145.144531 212.230469 L 156.78125 195.523438 L 162.183594 187.730469 L 162.289062 187.609375 Z M 187.125 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/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>Le risque de long\u00e9vit\u00e9 non couvert :<\/strong> Contrairement \u00e0 la rente viag\u00e8re qui verse de l'argent jusqu'au d\u00e9c\u00e8s (m\u00eame si vous vivez jusqu'\u00e0 100 ans), la rente certaine s'arr\u00eate net \u00e0 la fin de la p\u00e9riode convenue (par exemple apr\u00e8s 15 ans). Si vous vivez au-del\u00e0 de cette \u00e9ch\u00e9ance, ces revenus s'\u00e9teignent, ce qui peut cr\u00e9er un risque financier pour la fin de votre vie.<\/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><clipPath id=\"5bc1e4b2e8\"><path d=\"M 0 163 L 162.230469 163 L 162.230469 187.609375 L 0 187.609375 Z M 0 163 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"1ae224ed11\"><path d=\"M 187 0 L 212 0 L 212 162.722656 L 187 162.722656 Z M 187 0 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"bd96533006\"><path d=\"M 212.089844 187.441406 L 375 187.441406 L 375 212.488281 L 212.089844 212.488281 Z M 212.089844 187.441406 \" 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fill=\"#071659\" d=\"M 187.246094 212.722656 L 187.125 212.8125 L 187.125 212.617188 Z M 187.246094 212.722656 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 162.289062 187.609375 L 162.183594 187.730469 L 162.09375 187.609375 Z M 162.289062 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 187.125 162.398438 L 187.125 162.589844 L 186.996094 162.503906 Z M 187.125 162.398438 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.125 162.589844 L 187.125 187.609375 L 100.144531 100.675781 L 162.585938 145.109375 L 179.566406 157.214844 L 186.996094 162.503906 Z M 187.125 162.589844 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 212.148438 187.609375 L 211.984375 187.609375 L 212.066406 187.472656 Z M 212.148438 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 162.289062 187.609375 L 162.183594 187.730469 L 162.09375 187.609375 Z M 162.289062 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 273.183594 99.761719 L 229.121094 162.996094 L 217.488281 179.6875 L 212.066406 187.472656 L 211.984375 187.609375 L 187.125 187.609375 L 201.558594 172.875 L 213.769531 160.417969 L 214.265625 160.496094 L 214.175781 160.011719 Z M 273.183594 99.761719 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 274.113281 274.558594 L 211.660156 230.101562 L 194.679688 217.996094 L 187.246094 212.722656 L 187.125 212.617188 L 187.125 187.609375 Z M 274.113281 274.558594 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><g clip-path=\"url(#dd846df1dc)\"><path fill=\"#071659\" d=\"M 187.125 212.8125 L 187.125 376.039062 L 162.675781 230.613281 L 179.90625 218.058594 Z M 187.125 212.8125 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 187.246094 212.722656 L 187.125 212.8125 L 187.125 212.617188 Z M 187.246094 212.722656 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 214.265625 160.496094 L 213.769531 160.417969 L 214.175781 160.011719 Z M 214.265625 160.496094 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.125 187.609375 L 172.6875 202.351562 L 160.492188 214.800781 L 160.089844 215.214844 L 101.066406 275.449219 L 145.144531 212.230469 L 156.78125 195.523438 L 162.183594 187.730469 L 162.289062 187.609375 Z M 187.125 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/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>Le co\u00fbt d'opportunit\u00e9 :<\/strong> Immobiliser un capital cons\u00e9quent dans un produit \u00e0 rendement fixe prive l'investisseur d'autres opportunit\u00e9s potentiellement plus lucratives \u00e0 long terme, comme des placements en actions, dans l'immobilier ou via des plans de revenus diversifi\u00e9s.<\/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-f69f82c 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=\"f69f82c\" 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\tQuelle strat\u00e9gie adopter pour votre capital de retraite ?\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\tRente viag\u00e8re, plan de retrait ou investissement immobilier : chaque solution r\u00e9pond \u00e0 des besoins diff\u00e9rents.\n\nNos experts vous aident \u00e0 comparer objectivement les meilleures options du march\u00e9 suisse pour faire le bon choix.\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 une analyse patrimoniale\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 class=\"elementor-element elementor-element-4f831dd elementor-widget elementor-widget-heading\" data-id=\"4f831dd\" 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\">Focus sur la fiscalit\u00e9 avantageuse de la rente certaine en Suisse<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aff8615 elementor-widget elementor-widget-text-editor\" data-id=\"aff8615\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tEn Suisse, la fiscalit\u00e9 de la rente certaine log\u00e9e dans le 3e pilier B offre plusieurs avantages notables :\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f2029ac elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"f2029ac\" 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=\"5bc1e4b2e8\"><path d=\"M 0 163 L 162.230469 163 L 162.230469 187.609375 L 0 187.609375 Z M 0 163 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"1ae224ed11\"><path d=\"M 187 0 L 212 0 L 212 162.722656 L 187 162.722656 Z M 187 0 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"bd96533006\"><path d=\"M 212.089844 187.441406 L 375 187.441406 L 375 212.488281 L 212.089844 212.488281 Z M 212.089844 187.441406 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"dd846df1dc\"><path d=\"M 162.230469 212.601562 L 187.125 212.601562 L 187.125 375 L 162.230469 375 Z M 162.230469 212.601562 \" clip-rule=\"nonzero\"><\/path><\/clipPath><\/defs><g clip-path=\"url(#5bc1e4b2e8)\"><path fill=\"#071659\" d=\"M 162.09375 187.609375 L -1.410156 187.609375 L 144.605469 163.078125 L 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215.214844 L 101.066406 275.449219 L 145.144531 212.230469 L 156.78125 195.523438 L 162.183594 187.730469 L 162.289062 187.609375 Z M 187.125 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/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>Pas de droit de timbre f\u00e9d\u00e9ral :<\/strong> La prime unique vers\u00e9e au moment de la souscription n'est pas soumise au droit de timbre de 2,5 %, contrairement \u00e0 d'autres contrats d'assurance-vie.<\/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><clipPath id=\"5bc1e4b2e8\"><path d=\"M 0 163 L 162.230469 163 L 162.230469 187.609375 L 0 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100.144531 100.675781 L 162.585938 145.109375 L 179.566406 157.214844 L 186.996094 162.503906 Z M 187.125 162.589844 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 212.148438 187.609375 L 211.984375 187.609375 L 212.066406 187.472656 Z M 212.148438 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 162.289062 187.609375 L 162.183594 187.730469 L 162.09375 187.609375 Z M 162.289062 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 273.183594 99.761719 L 229.121094 162.996094 L 217.488281 179.6875 L 212.066406 187.472656 L 211.984375 187.609375 L 187.125 187.609375 L 201.558594 172.875 L 213.769531 160.417969 L 214.265625 160.496094 L 214.175781 160.011719 Z M 273.183594 99.761719 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 274.113281 274.558594 L 211.660156 230.101562 L 194.679688 217.996094 L 187.246094 212.722656 L 187.125 212.617188 L 187.125 187.609375 Z M 274.113281 274.558594 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><g clip-path=\"url(#dd846df1dc)\"><path fill=\"#071659\" d=\"M 187.125 212.8125 L 187.125 376.039062 L 162.675781 230.613281 L 179.90625 218.058594 Z M 187.125 212.8125 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 187.246094 212.722656 L 187.125 212.8125 L 187.125 212.617188 Z M 187.246094 212.722656 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 214.265625 160.496094 L 213.769531 160.417969 L 214.175781 160.011719 Z M 214.265625 160.496094 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.125 187.609375 L 172.6875 202.351562 L 160.492188 214.800781 L 160.089844 215.214844 L 101.066406 275.449219 L 145.144531 212.230469 L 156.78125 195.523438 L 162.183594 187.730469 L 162.289062 187.609375 Z M 187.125 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/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>Imposition all\u00e9g\u00e9e de la rente :<\/strong> Seule la part de rendement (les int\u00e9r\u00eats) est impos\u00e9e comme du revenu, le remboursement du capital \u00e9tant totalement exon\u00e9r\u00e9 d'imp\u00f4t (souvent moins de 30 % de la rente totale est effectivement 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\" 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=\"5bc1e4b2e8\"><path d=\"M 0 163 L 162.230469 163 L 162.230469 187.609375 L 0 187.609375 Z M 0 163 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"1ae224ed11\"><path d=\"M 187 0 L 212 0 L 212 162.722656 L 187 162.722656 Z M 187 0 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"bd96533006\"><path d=\"M 212.089844 187.441406 L 375 187.441406 L 375 212.488281 L 212.089844 212.488281 Z M 212.089844 187.441406 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"dd846df1dc\"><path d=\"M 162.230469 212.601562 L 187.125 212.601562 L 187.125 375 L 162.230469 375 Z M 162.230469 212.601562 \" clip-rule=\"nonzero\"><\/path><\/clipPath><\/defs><g clip-path=\"url(#5bc1e4b2e8)\"><path fill=\"#071659\" d=\"M 162.09375 187.609375 L -1.410156 187.609375 L 144.605469 163.078125 L 156.71875 180.050781 Z M 162.09375 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 187.125 162.398438 L 187.125 162.589844 L 186.996094 162.503906 Z M 187.125 162.398438 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 212.148438 187.609375 L 211.984375 187.609375 L 212.066406 187.472656 Z M 212.148438 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 162.289062 187.609375 L 162.183594 187.730469 L 162.09375 187.609375 Z M 162.289062 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 187.246094 212.722656 L 187.125 212.8125 L 187.125 212.617188 Z M 187.246094 212.722656 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><g clip-path=\"url(#1ae224ed11)\"><path fill=\"#071659\" d=\"M 211.589844 144.605469 L 194.347656 157.152344 L 187.125 162.398438 L 187.125 -0.828125 Z M 211.589844 144.605469 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 214.265625 160.496094 L 213.769531 160.417969 L 214.175781 160.011719 Z M 214.265625 160.496094 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><g clip-path=\"url(#bd96533006)\"><path fill=\"#071659\" d=\"M 375.65625 187.609375 L 229.636719 212.132812 L 217.53125 195.152344 L 212.148438 187.609375 Z M 375.65625 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 212.148438 187.609375 L 211.984375 187.609375 L 212.066406 187.472656 Z M 212.148438 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.246094 212.722656 L 187.125 212.8125 L 187.125 212.617188 Z M 187.246094 212.722656 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 162.289062 187.609375 L 162.183594 187.730469 L 162.09375 187.609375 Z M 162.289062 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 187.125 162.398438 L 187.125 162.589844 L 186.996094 162.503906 Z M 187.125 162.398438 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.125 162.589844 L 187.125 187.609375 L 100.144531 100.675781 L 162.585938 145.109375 L 179.566406 157.214844 L 186.996094 162.503906 Z M 187.125 162.589844 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 212.148438 187.609375 L 211.984375 187.609375 L 212.066406 187.472656 Z M 212.148438 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 162.289062 187.609375 L 162.183594 187.730469 L 162.09375 187.609375 Z M 162.289062 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 273.183594 99.761719 L 229.121094 162.996094 L 217.488281 179.6875 L 212.066406 187.472656 L 211.984375 187.609375 L 187.125 187.609375 L 201.558594 172.875 L 213.769531 160.417969 L 214.265625 160.496094 L 214.175781 160.011719 Z M 273.183594 99.761719 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 274.113281 274.558594 L 211.660156 230.101562 L 194.679688 217.996094 L 187.246094 212.722656 L 187.125 212.617188 L 187.125 187.609375 Z M 274.113281 274.558594 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><g clip-path=\"url(#dd846df1dc)\"><path fill=\"#071659\" d=\"M 187.125 212.8125 L 187.125 376.039062 L 162.675781 230.613281 L 179.90625 218.058594 Z M 187.125 212.8125 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 187.246094 212.722656 L 187.125 212.8125 L 187.125 212.617188 Z M 187.246094 212.722656 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 214.265625 160.496094 L 213.769531 160.417969 L 214.175781 160.011719 Z M 214.265625 160.496094 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.125 187.609375 L 172.6875 202.351562 L 160.492188 214.800781 L 160.089844 215.214844 L 101.066406 275.449219 L 145.144531 212.230469 L 156.78125 195.523438 L 162.183594 187.730469 L 162.289062 187.609375 Z M 187.125 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/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>Imp\u00f4t sur la fortune :<\/strong> Le capital investi n'est g\u00e9n\u00e9ralement pas compt\u00e9 dans la fortune imposable tant qu'il n'y a pas de rachat anticip\u00e9 du contrat.<\/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-5ec69ca elementor-widget elementor-widget-heading\" data-id=\"5ec69ca\" 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\">Alternatives \u00e0 la rente certaine<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d7fcce elementor-widget elementor-widget-text-editor\" data-id=\"2d7fcce\" 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>Puisque la rente certaine s\u2019adresse de mani\u00e8re stricte aux profils tr\u00e8s prudents cherchant une s\u00e9curit\u00e9 sur une p\u00e9riode fixe, elle ne correspond pas \u00e0 toutes les attentes. Selon vos priorit\u00e9s, qu&rsquo;il s&rsquo;agisse de chercher du rendement, une protection \u00e0 vie ou une flexibilit\u00e9 totale, plusieurs alternatives s&rsquo;offrent aux futurs retrait\u00e9s en Suisse :<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aa46f8d elementor-widget elementor-widget-heading\" data-id=\"aa46f8d\" 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. La rente viag\u00e8re traditionnelle<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-08e74d2 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"08e74d2\" 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>Pour qui ?<\/strong> Ceux qui craignent de vivre tr\u00e8s vieux et qui veulent l'assurance absolue de toucher un revenu jusqu'\u00e0 leur 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\"><strong>Le principe :<\/strong> En \u00e9change d\u2019une prime unique, l\u2019assureur s\u2019engage \u00e0 verser un revenu garanti \u00e0 vie, couvrant ainsi le risque de long\u00e9vit\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\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>Les avantages \/ limites :<\/strong> Contrairement \u00e0 la rente certaine, le versement ne s'arr\u00eate jamais, peu importe votre \u00e2ge. En contrepartie, le capital est d\u00e9finitivement acquis \u00e0 l'assureur en cas de d\u00e9c\u00e8s pr\u00e9matur\u00e9 (sauf clauses particuli\u00e8res d'options de restitution), et le contrat supporte le droit de timbre f\u00e9d\u00e9ral de 2,5 %.<\/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-735c41e elementor-widget elementor-widget-button\" data-id=\"735c41e\" 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\/rente-viagere\/\">\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-external-link-alt\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M432,320H400a16,16,0,0,0-16,16V448H64V128H208a16,16,0,0,0,16-16V80a16,16,0,0,0-16-16H48A48,48,0,0,0,0,112V464a48,48,0,0,0,48,48H400a48,48,0,0,0,48-48V336A16,16,0,0,0,432,320ZM488,0h-128c-21.37,0-32.05,25.91-17,41l35.73,35.73L135,320.37a24,24,0,0,0,0,34L157.67,377a24,24,0,0,0,34,0L435.28,133.32,471,169c15,15,41,4.5,41-17V24A24,24,0,0,0,488,0Z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Tout savoir sur la rente viag\u00e8re suisse<\/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-d1bbe0f elementor-widget elementor-widget-heading\" data-id=\"d1bbe0f\" 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. L'investissement immobilier et les SCPI (tr\u00e8s appr\u00e9ci\u00e9 des frontaliers)<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2fbd5e9 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"2fbd5e9\" 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>Pour qui ?<\/strong> Ceux qui souhaitent g\u00e9n\u00e9rer des revenus r\u00e9guliers tout en conservant leur capital immobilier intact et prot\u00e9g\u00e9 de l'inflation.<\/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>Le principe :<\/strong> Investir dans des fonds immobiliers suisses ou des SCPI (notamment fran\u00e7aises pour les frontaliers ou r\u00e9sidents cherchant de la diversification en euros) pour percevoir des distributions bas\u00e9es sur les loyers.<\/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>Les avantages \/ limites :<\/strong> Offre une protection naturelle contre l'inflation gr\u00e2ce \u00e0 l'indexation des loyers, et le non-\u00e9puisement du capital pr\u00e9sente un avantage majeur. Les limites r\u00e9sident dans le risque de change (si investissement en euros) et les frais de gestion.<\/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-cb3aeae elementor-widget elementor-widget-heading\" data-id=\"cb3aeae\" 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. Le plan de retraits \u00e9chelonn\u00e9s classiques<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-14ce525 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"14ce525\" 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>Pour qui ?<\/strong> Ceux qui exigent une libert\u00e9 totale d'acc\u00e8s \u00e0 leurs avoirs et refusent d'\u00eatre bloqu\u00e9s par un contrat rigide.<\/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>Le principe :<\/strong> Le capital reste plac\u00e9 sur un d\u00e9p\u00f4t ou un mandat, et l'\u00e9pargnant programme lui-m\u00eame des retraits p\u00e9riodiques pour compl\u00e9ter ses rentes AVS.<\/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>Les avantages \/ limites :<\/strong> Flexibilit\u00e9 maximale (modification ou arr\u00eat des retraits \u00e0 tout moment) et absence de droit de timbre. Le risque principal est de mal d\u00e9finir l'allocation, de calculer son train de vie et d'\u00e9puiser son capital trop rapidement, mais \u00e9galement d'\u00eatre victime des fluctuations.<\/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-11e1a9a elementor-widget elementor-widget-heading\" data-id=\"11e1a9a\" 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. Le plan de revenus personnalis\u00e9<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8bcdd4c elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"8bcdd4c\" 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>Pour qui ?<\/strong> La majorit\u00e9 des retrait\u00e9s cherchant le juste \u00e9quilibre entre s\u00e9curit\u00e9, performance des march\u00e9s et transmission.<\/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>Le principe :<\/strong> Structurer son capital de mani\u00e8re hybride, combinant une poche s\u00e9curis\u00e9e pour les d\u00e9penses courantes et une poche de rendement investie dans des fonds diversifi\u00e9s \u00e0 faibles frais.<\/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>Les avantages \/ limites :<\/strong> Pas de droit de timbre de 2,5 %, transmission int\u00e9grale du capital restant aux proches en cas de d\u00e9c\u00e8s, et grande flexibilit\u00e9 de retraits. En contrepartie, une exposition aux march\u00e9s financiers subsiste selon la part de risque choisie.<\/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-d020750 elementor-widget elementor-widget-heading\" data-id=\"d020750\" 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\">Simulateur &amp; calcul : Combien rapporte une rente certaine en Suisse ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-04a6115 elementor-widget elementor-widget-text-editor\" data-id=\"04a6115\" 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 calcul d&rsquo;une rente viag\u00e8re ne s&rsquo;improvise pas : il repose sur une \u00e9quation actuarielle rigoureuse utilis\u00e9e par l&rsquo;ensemble des compagnies d&rsquo;assurances en Suisse. Notre calculateur permet de comparer la rente certaine \u00e0 d&rsquo;autres alternatives et vous permet d&rsquo;\u00e9valuer pr\u00e9cis\u00e9ment si le rendement propos\u00e9 correspond \u00e0 vos besoins de retraite.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3e200e9 elementor-widget elementor-widget-html\" data-id=\"3e200e9\" 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\": \"WebApplication\",\n  \"name\": \"Simulateur de rente viag\u00e8re\",\n  \"description\": \"Estimez la rente annuelle et mensuelle g\u00e9n\u00e9r\u00e9e par un capital de pr\u00e9voyance selon la solution retenue : rente viag\u00e8re, rente certaine ou plan de revenus. Simulation bas\u00e9e sur les taux de conversion et hypoth\u00e8ses de rendement observ\u00e9s sur le march\u00e9 suisse.\",\n  \"url\": \"https:\/\/comparatif-3eme-pilier.ch\/rente-viagere-suisse\/\",\n  \"applicationCategory\": \"FinanceApplication\",\n  \"applicationSubCategory\": \"Retirement calculator\",\n  \"operatingSystem\": \"All\",\n  \"browserRequirements\": \"Requires JavaScript\",\n  \"inLanguage\": \"fr-CH\",\n  \"isAccessibleForFree\": true,\n  \"offers\": {\n    \"@type\": \"Offer\",\n    \"price\": \"0\",\n    \"priceCurrency\": \"CHF\"\n  },\n  \"featureList\": [\n    \"Simulation de rente viag\u00e8re (mixte, homme, femme)\",\n    \"Option de restitution du capital au d\u00e9c\u00e8s\",\n    \"Simulation de rente certaine sur dur\u00e9e fixe (10 \u00e0 25 ans)\",\n    \"Plan de revenus avec rendement param\u00e9trable\",\n    \"Prise en compte de la p\u00e9riode de diff\u00e9r\u00e9 avant versements\",\n    \"Visualisation graphique du cumul per\u00e7u ou du capital 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   <div class=\"rte-panel\">\n      <div class=\"rte-head\">\n        <h2>Simulateur de rente viag\u00e8re<\/h2>\n        <p>Estimez la rente g\u00e9n\u00e9r\u00e9e par votre capital, selon la solution choisie.<\/p>\n      <\/div>\n\n      <div class=\"rte-field\">\n        <div class=\"rte-label\">Type de solution<\/div>\n        <select id=\"rv-type\" class=\"rte-select\">\n          <option value=\"viagere\">Rente viag\u00e8re (\u00e0 vie)<\/option>\n          <option value=\"certaine\">Rente certaine (dur\u00e9e fixe)<\/option>\n          <option value=\"revenus\">Plan de revenus (capital + int\u00e9r\u00eats)<\/option>\n        <\/select>\n      <\/div>\n\n      <div class=\"rte-field\">\n        <div class=\"rte-label\">Capital investi<\/div>\n        <input id=\"rv-capital\" class=\"rte-input\" type=\"number\" value=\"200000\" min=\"10000\" max=\"5000000\" step=\"1000\">\n      <\/div>\n\n      <div class=\"rte-field\">\n        <div class=\"rte-label-row\"><span class=\"rte-label\">\u00c2ge actuel<\/span><span id=\"rv-age-value\">60 ans<\/span><\/div>\n        <input id=\"rv-age\" type=\"range\" min=\"40\" max=\"80\" value=\"60\">\n      <\/div>\n\n      <div class=\"rte-field\">\n        <div class=\"rte-label-row\"><span class=\"rte-label\">D\u00e9but des versements<\/span><span id=\"rv-start-value\">65 ans<\/span><\/div>\n        <input id=\"rv-start\" type=\"range\" min=\"60\" max=\"90\" value=\"65\">\n        <div class=\"rte-hint\">Le capital est suppos\u00e9 cro\u00eetre de 1,5&nbsp;%\/an jusqu'au d\u00e9but des versements.<\/div>\n      <\/div>\n\n      <div class=\"rte-field\" id=\"rv-sexe-field\">\n        <div class=\"rte-label\">Sexe assur\u00e9<\/div>\n        <div class=\"rte-switch\">\n          <label><input type=\"radio\" name=\"sexe\" value=\"mixte\" checked>Mixte<\/label>\n          <label><input type=\"radio\" name=\"sexe\" value=\"homme\">Homme<\/label>\n          <label><input type=\"radio\" name=\"sexe\" value=\"femme\">Femme<\/label>\n        <\/div>\n      <\/div>\n\n      <div class=\"rte-field\" id=\"rv-rest-field\">\n        <div class=\"rte-label\">Restitution du capital au d\u00e9c\u00e8s<\/div>\n        <div class=\"rte-switch\">\n          <label><input type=\"radio\" name=\"rest\" value=\"non\" checked>Non<\/label>\n          <label><input type=\"radio\" name=\"rest\" value=\"oui\">Oui<\/label>\n        <\/div>\n        <div class=\"rte-hint\">Avec restitution, le solde non consomm\u00e9 est vers\u00e9 aux b\u00e9n\u00e9ficiaires, ce qui r\u00e9duit la rente.<\/div>\n      <\/div>\n\n      <div class=\"rte-field\" id=\"rv-duration-field\">\n        <div class=\"rte-label\">Dur\u00e9e des versements<\/div>\n        <div class=\"rte-switch\">\n          <label><input type=\"radio\" name=\"duration\" value=\"10\">10 ans<\/label>\n          <label><input type=\"radio\" name=\"duration\" value=\"15\" checked>15 ans<\/label>\n          <label><input type=\"radio\" name=\"duration\" value=\"20\">20 ans<\/label>\n          <label><input type=\"radio\" name=\"duration\" value=\"25\">25 ans<\/label>\n        <\/div>\n      <\/div>\n\n      <div class=\"rte-field\" id=\"rv-yield-field\">\n        <div class=\"rte-label-row\"><span class=\"rte-label\">Rendement suppos\u00e9<\/span><span id=\"rv-yield-value\">2,0&nbsp;%<\/span><\/div>\n        <input id=\"rv-yield\" type=\"range\" min=\"0\" max=\"4\" step=\"0.25\" value=\"2\">\n        <div class=\"rte-hint\">Rendement net annuel appliqu\u00e9 au solde restant pendant les versements.<\/div>\n      <\/div>\n    <\/div>\n\n    <div>\n      <div class=\"rte-hero\">\n        <div class=\"rte-hero-top\">\n          <span class=\"rte-eyebrow\">Rente estim\u00e9e<\/span>\n          <span class=\"rte-context\" id=\"rv-context\">D\u00e8s <b>65 ans<\/b> \u00b7 Viag\u00e8re<\/span>\n        <\/div>\n\n        <div id=\"rte-year\">CHF \u2014<\/div>\n        <div class=\"rte-peryear\">par ann\u00e9e<\/div>\n        <div class=\"rte-rule\"><\/div>\n        <div id=\"rte-month\">\u2248 <b id=\"rv-month-b\">\u2014<\/b> par mois<\/div>\n\n        <div class=\"rte-datarow\" id=\"rv-datarow\"><\/div>\n      <\/div>\n\n      <div class=\"rte-chartblock\">\n        <div class=\"rte-chart-title\">\u00c9volution<\/div>\n        <div class=\"rte-chart-sub\" id=\"rv-chart-sub\">\u2014<\/div>\n        <div class=\"rte-cw\"><canvas id=\"rv-canvas\"><\/canvas><\/div>\n      <\/div>\n\n      <div class=\"rte-info\" id=\"rv-info\">\n        Simulation indicative bas\u00e9e sur des taux de conversion et hypoth\u00e8ses de rendement observ\u00e9s sur le march\u00e9 suisse. Les montants r\u00e9els d\u00e9pendent de l'assureur, des tables de mortalit\u00e9 en vigueur et des options contractuelles choisies.\n      <\/div>\n    <\/div>\n\n  <\/div>\n<\/div>\n\n<script>\n(function(){\nconst CURVE=[[55,3.8],[58,4.05],[60,4.3],[62,4.55],[65,4.9],[68,5.3],[70,5.7],[72,6.15],[75,6.8],[78,7.5],[80,8.3],[83,9.3],[85,10.5],[88,12],[90,13.5]];\nfunction interp(x){\n  if(x<=CURVE[0][0])return CURVE[0][1];\n  if(x>=CURVE[CURVE.length-1][0])return CURVE[CURVE.length-1][1];\n  for(let i=0;i<CURVE.length-1;i++){const[x0,y0]=CURVE[i],[x1,y1]=CURVE[i+1];if(x>=x0&&x<=x1)return y0+(y1-y0)*(x-x0)\/(x1-x0);}\n}\nfunction annuityFactor(r,n){return r===0?n:(1-Math.pow(1+r,-n))\/r;}\nconst fmt=n=>Math.round(n).toLocaleString('fr-CH').replace(\/\\u202f\/g,\"\\u2019\").replace(\/\\s\/g,\"\\u2019\");\nconst fmtCHF=n=>\"CHF\\u00a0\"+fmt(n);\n\nconst $=id=>document.getElementById(id);\nconst typeSel=$('rv-type'),capIn=$('rv-capital'),ageR=$('rv-age'),startR=$('rv-start'),yieldR=$('rv-yield');\nconst sexeField=$('rv-sexe-field'),restField=$('rv-rest-field'),durField=$('rv-duration-field'),yieldField=$('rv-yield-field');\n\nfunction setBg(s){const pct=((+s.value-+s.min)\/(+s.max-+s.min)*100).toFixed(1);s.style.setProperty('--p',pct+'%');}\n\nlet chart=null;\nfunction currentType(){return typeSel.value;}\n\nfunction toggleFields(){\n  const t=currentType();\n  sexeField.classList.toggle('rte-hidden', t!=='viagere');\n  restField.classList.toggle('rte-hidden', t!=='viagere');\n  durField.classList.toggle('rte-hidden', t==='viagere');\n  yieldField.classList.toggle('rte-hidden', t!=='revenus');\n}\n\nfunction dataItem(lb,vl){return `<div class=\"rte-dataitem\"><div class=\"lb\">${lb}<\/div><div class=\"vl\">${vl}<\/div><\/div>`;}\n\nfunction compute(){\n  const t=currentType();\n  const capital0=Math.max(1000,+capIn.value||0);\n  let ageNow=+ageR.value, ageStart=+startR.value;\n  if(ageStart<ageNow){ageStart=ageNow;startR.value=ageStart;}\n  startR.min=ageNow;\n  $('rv-age-value').textContent=ageNow+' ans';\n  $('rv-start-value').textContent=ageStart+' ans';\n  setBg(ageR);setBg(startR);setBg(yieldR);\n\n  const deferral=Math.max(0,ageStart-ageNow);\n  const growth=0.015;\n  const capitalAtStart=capital0*Math.pow(1+growth,deferral);\n\n  let renteAnnuelle=0, items=[], chartSub='', typeLabel='', labels=[],series=[];\n\n  if(t==='viagere'){\n    const sexe=document.querySelector('input[name=\"sexe\"]:checked').value;\n    const rest=document.querySelector('input[name=\"rest\"]:checked').value;\n    const genderAdj=sexe==='homme'?0.3:sexe==='femme'?-0.3:0;\n    let rate=interp(ageStart)+genderAdj;\n    if(rest==='oui')rate*=0.82;\n    renteAnnuelle=capitalAtStart*rate\/100;\n    typeLabel='Viag\u00e8re';\n    const breakeven=renteAnnuelle>0?capitalAtStart\/renteAnnuelle:0;\n    items=[\n      dataItem('Capital au d\u00e9but', fmtCHF(capitalAtStart)),\n      dataItem('Taux de conversion', rate.toFixed(2).replace('.',',')+'\\u00a0%'),\n      dataItem('R\u00e9cup\u00e9ration capital', '~'+Math.round(breakeven)+' ans')\n    ];\n    const n=35;\n    for(let i=0;i<=n;i++){labels.push(ageStart+i);series.push(Math.min(renteAnnuelle*i,capitalAtStart*3));}\n    chartSub='Cumul des rentes per\u00e7ues, compar\u00e9 au capital de d\u00e9part (ligne pointill\u00e9e)';\n    drawChart(labels,[{label:'Cumul per\u00e7u',data:series,color:'#5b70d1',fill:true},{label:'Capital',data:labels.map(()=>capitalAtStart),color:'#071659',dashed:true}]);\n  }\n  else if(t==='certaine'){\n    const n=+document.querySelector('input[name=\"duration\"]:checked').value;\n    const i=0.0125;\n    renteAnnuelle=capitalAtStart\/annuityFactor(i,n);\n    typeLabel='Certaine \\u00b7 '+n+' ans';\n    items=[\n      dataItem('Capital au d\u00e9but', fmtCHF(capitalAtStart)),\n      dataItem('Taux technique', (i*100).toFixed(2).replace('.',',')+'\\u00a0%'),\n      dataItem('Total vers\u00e9', fmtCHF(renteAnnuelle*n))\n    ];\n    for(let i2=0;i2<=n;i2++){labels.push(ageStart+i2);series.push(Math.min(renteAnnuelle*i2,capitalAtStart));}\n    chartSub='Cumul des rentes per\u00e7ues jusqu\\u2019au terme de la dur\u00e9e choisie';\n    drawChart(labels,[{label:'Cumul per\u00e7u',data:series,color:'#5b70d1',fill:true},{label:'Capital',data:labels.map(()=>capitalAtStart),color:'#071659',dashed:true}]);\n  }\n  else{\n    const n=+document.querySelector('input[name=\"duration\"]:checked').value;\n    const r=+yieldR.value\/100;\n    $('rv-yield-value').textContent=(+yieldR.value).toFixed(1).replace('.',',')+'\\u00a0%';\n    renteAnnuelle=capitalAtStart\/annuityFactor(r,n);\n    typeLabel='Plan de revenus \\u00b7 '+n+' ans';\n    items=[\n      dataItem('Capital au d\u00e9but', fmtCHF(capitalAtStart)),\n      dataItem('Rendement suppos\u00e9', (r*100).toFixed(2).replace('.',',')+'\\u00a0%'),\n      dataItem('Capital \u00e9puis\u00e9 \u00e0', (ageStart+n)+' ans')\n    ];\n    let solde=capitalAtStart;\n    labels.push(ageStart);series.push(solde);\n    for(let i2=1;i2<=n;i2++){solde=Math.max(0,solde*(1+r)-renteAnnuelle);labels.push(ageStart+i2);series.push(solde);}\n    chartSub='Capital restant au fil des versements';\n    drawChart(labels,[{label:'Capital restant',data:series,color:'#5b70d1',fill:true}]);\n  }\n\n  $('rte-year').textContent=fmtCHF(renteAnnuelle);\n  $('rv-month-b').textContent=fmtCHF(renteAnnuelle\/12);\n  $('rv-context').innerHTML='D\u00e8s <b>'+ageStart+' ans<\/b> \\u00b7 '+typeLabel;\n  $('rv-datarow').innerHTML=items.join('');\n  $('rv-chart-sub').textContent=chartSub;\n}\n\nfunction drawChart(labels,datasets){\n  const ctx=$('rv-canvas');\n  if(!window.Chart){return;}\n  const cdata={\n    labels,\n    datasets:datasets.map(d=>({\n      label:d.label,data:d.data,borderColor:d.color,\n      backgroundColor:d.fill?'rgba(91,112,209,0.10)':'transparent',\n      borderWidth:d.dashed?1.5:2.25,borderDash:d.dashed?[4,4]:[],\n      pointRadius:0,fill:!!d.fill,tension:0.35\n    }))\n  };\n  if(chart){chart.data=cdata;chart.update('none');return;}\n  chart=new Chart(ctx,{type:'line',data:cdata,options:{\n    responsive:true,maintainAspectRatio:false,animation:false,\n    plugins:{legend:{display:false},tooltip:{\n      backgroundColor:'#071659',padding:12,cornerRadius:10,titleFont:{family:'Manrope',weight:700},bodyFont:{family:'Manrope'},\n      callbacks:{title:items=>'\\u00c2ge '+items[0].label+' ans',label:item=>item.dataset.label+': '+fmtCHF(item.raw)}\n    }},\n    interaction:{mode:'index',intersect:false},\n    scales:{\n      x:{grid:{display:false},border:{display:false},ticks:{color:'#c2c7d6',font:{family:'Manrope',size:11},maxTicksLimit:7,maxRotation:0}},\n      y:{grid:{color:'rgba(0,0,0,0.045)'},border:{display:false},ticks:{color:'#c2c7d6',font:{family:'Manrope',size:11},maxTicksLimit:5,callback:v=>v>=1000?fmt(v\/1000)+'k':fmt(v)}}\n    }\n  }});\n}\n\n[typeSel,capIn,ageR,startR,yieldR].forEach(el=>el.addEventListener('input',()=>{toggleFields();compute();}));\ndocument.querySelectorAll('input[name=\"sexe\"],input[name=\"rest\"],input[name=\"duration\"]').forEach(el=>el.addEventListener('change',compute));\n\nconst sc=document.createElement('script');\nsc.src='https:\/\/cdnjs.cloudflare.com\/ajax\/libs\/Chart.js\/4.4.1\/chart.umd.min.js';\nsc.onload=()=>{toggleFields();compute();};\ndocument.head.appendChild(sc);\ntoggleFields();\nsetBg(ageR);setBg(startR);setBg(yieldR);\n})();\n<\/script>\n<\/body>\n<\/html>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a0ebf9d elementor-widget elementor-widget-text-editor\" data-id=\"a0ebf9d\" 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>Prenons un cas concret :<\/strong> en pla\u00e7ant 200&rsquo;000 CHF \u00e0 60 ans avec un d\u00e9but de versement \u00e0 65 ans, le capital atteint 215&rsquo;457 CHF gr\u00e2ce \u00e0 une croissance prudente de 1,5 % par an. Opter pour une rente certaine sur 15 ans avec un taux technique de 1,25 % g\u00e9n\u00e8re environ 1&rsquo;320 CHF par mois (CHF 15&rsquo;842 par an), soit un total de 237&rsquo;627 CHF vers\u00e9 sur la p\u00e9riode.<\/p><p>Contrairement \u00e0 la rente viag\u00e8re classique, si l&rsquo;assur\u00e9 d\u00e9c\u00e8de avant l&rsquo;\u00e9ch\u00e9ance, le solde des rentes restantes est int\u00e9gralement vers\u00e9 aux h\u00e9ritiers. En contrepartie, la limite r\u00e9side dans le fait que les versements s&rsquo;arr\u00eatent net \u00e0 la fin des 15 ans, obligeant l&rsquo;\u00e9pargnant \u00e0 anticiper la suite de ses revenus pour la suite de sa retraite.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-27e25d3 elementor-widget elementor-widget-heading\" data-id=\"27e25d3\" 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\">Pour qui est faite la rente certaine ? (Cas pratiques)<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b6e08dd elementor-widget elementor-widget-text-editor\" data-id=\"b6e08dd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tEn raison de ses caract\u00e9ristiques strictes, la rente certaine r\u00e9pond \u00e0 des besoins tr\u00e8s pr\u00e9cis en mati\u00e8re de planification financi\u00e8re en Suisse :\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ec29952 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"ec29952\" 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>Le futur retrait\u00e9 (Pont AVS) :<\/strong> Id\u00e9al pour combler l'\u00e9cart de revenus entre l'arr\u00eat anticip\u00e9 de l'activit\u00e9 professionnelle (par exemple \u00e0 60 ans) et l'arriv\u00e9e de l'AVS \u00e0 65 ans, en s'assurant un flux de tr\u00e9sorerie fixe et garanti sur cette p\u00e9riode pr\u00e9cise.<\/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>L'investisseur prudent :<\/strong> Parfait pour placer un capital important provenant d'un h\u00e9ritage ou de la vente d'un bien immobilier de mani\u00e8re totalement s\u00e9curis\u00e9e, \u00e0 l'abri des crises financi\u00e8res.<\/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 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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>La transmission patrimoniale :<\/strong> Utile pour structurer le versement d'un revenu r\u00e9gulier et s\u00e9curis\u00e9 \u00e0 des proches (comme des enfants ou des petits-enfants pour financer des \u00e9tudes), tout en encadrant strictement la dur\u00e9e de 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 class=\"elementor-element elementor-element-a1a6236 elementor-widget elementor-widget-heading\" data-id=\"a1a6236\" 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\">Conclusion<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-972c70e elementor-widget elementor-widget-text-editor\" data-id=\"972c70e\" 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 Suisse, la rente certaine est une solution id\u00e9ale pour les \u00e9pargnants prudents cherchant une s\u00e9curit\u00e9 absolue sur une p\u00e9riode fixe, notamment pour <a href=\"https:\/\/invexa.swiss\/rente-ou-capital-lpp-2eme-pilier\/\">placer un capital LPP<\/a> ou financer un pont <a href=\"https:\/\/invexa.swiss\/avs-rentes-montants-cotisations\/\">AVS<\/a>. Si ses garanties et sa fiscalit\u00e9 all\u00e9g\u00e9e constituent de vrais atouts, ses limites en mati\u00e8re de rendement et l&rsquo;arr\u00eat net des versements au terme du contrat imposent de bien l&rsquo;analyser.<\/p><p>Pour choisir la meilleure strat\u00e9gie entre rente certaine, plan de revenus ou r\u00e9investissement de votre rente ou capital selon votre profil, l&rsquo;utilisation d&rsquo;un <a href=\"https:\/\/invexa.swiss\/calculer-retraite-suisse\/\">simulateur de retraite<\/a> ou l&rsquo;avis d&rsquo;un expert en <a href=\"https:\/\/invexa.swiss\/retraite-suisse\/\">retraite suisse<\/a> reste la meilleure d\u00e9marche.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f34bd77 elementor-widget elementor-widget-heading\" data-id=\"f34bd77\" 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\">FAQ : Tout savoir sur la rente certaine en Suisse<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-86d616e elementor-widget elementor-widget-n-accordion\" data-id=\"86d616e\" 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-1410\" 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-1410\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Quelle est la diff\u00e9rence principale entre une rente certaine et une rente viag\u00e8re ? <\/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-1410\" class=\"elementor-element elementor-element-3033419 e-con-full e-flex e-con e-child\" data-id=\"3033419\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d2d1444 elementor-widget elementor-widget-text-editor\" data-id=\"d2d1444\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tLa rente certaine est vers\u00e9e pendant une dur\u00e9e fixe et d\u00e9termin\u00e9e (par exemple 15 ans), et le solde restant est transmis aux h\u00e9ritiers en cas de d\u00e9c\u00e8s. \u00c0 l&rsquo;inverse, la rente viag\u00e8re est vers\u00e9e \u00e0 vie jusqu&rsquo;au d\u00e9c\u00e8s du rentier, mais le capital est g\u00e9n\u00e9ralement acquis \u00e0 l&rsquo;assureur si le b\u00e9n\u00e9ficiaire d\u00e9c\u00e8de pr\u00e9matur\u00e9ment.\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-1411\" 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-1411\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> La rente certaine est-elle soumise au droit de timbre f\u00e9d\u00e9ral ? <\/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-1411\" class=\"elementor-element elementor-element-cde1197 e-con-full e-flex e-con e-child\" data-id=\"cde1197\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-75ddff8 elementor-widget elementor-widget-text-editor\" data-id=\"75ddff8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tNon. Contrairement \u00e0 la rente viag\u00e8re classique du 3e pilier B qui supporte un droit de timbre de 2,5 % sur la prime unique, la rente certaine en est totalement exon\u00e9r\u00e9e, ce qui repr\u00e9sente une \u00e9conomie imm\u00e9diate \u00e0 la souscription.\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-1412\" 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-1412\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Comment la rente certaine est-elle impos\u00e9e 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-1412\" class=\"elementor-element elementor-element-8b884ba e-con-full e-flex e-con e-child\" data-id=\"8b884ba\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dd7d33d elementor-widget elementor-widget-text-editor\" data-id=\"dd7d33d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tSeule la part de rendement (les int\u00e9r\u00eats techniques inclus dans les versements) est soumise \u00e0 l&rsquo;imp\u00f4t sur le revenu. Le remboursement progressif du capital est quant \u00e0 lui totalement exon\u00e9r\u00e9 d&rsquo;imp\u00f4t. De plus, le capital investi n&rsquo;est g\u00e9n\u00e9ralement pas compt\u00e9 dans la fortune imposable tant qu&rsquo;il n&rsquo;y a pas de rachat anticip\u00e9.\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-1413\" 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-1413\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Que se passe-t-il si je d\u00e9c\u00e8de avant la fin de la p\u00e9riode de versement ? <\/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-1413\" class=\"elementor-element elementor-element-1b5864d e-con-full e-flex e-con e-child\" data-id=\"1b5864d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3f20416 elementor-widget elementor-widget-text-editor\" data-id=\"3f20416\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tC&rsquo;est le grand avantage de ce produit : contrairement \u00e0 d&rsquo;autres rentes, 100 % des rentes restantes jusqu&rsquo;au terme du contrat sont vers\u00e9es directement aux b\u00e9n\u00e9ficiaires d\u00e9sign\u00e9s (conjoint, enfants, etc.).\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\":\"Quelle est la diff\\u00e9rence principale entre une rente certaine et une rente viag\\u00e8re ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"La rente certaine est vers\\u00e9e pendant une dur\\u00e9e fixe et d\\u00e9termin\\u00e9e (par exemple 15 ans), et le solde restant est transmis aux h\\u00e9ritiers en cas de d\\u00e9c\\u00e8s. \\u00c0 l&rsquo;inverse, la rente viag\\u00e8re est vers\\u00e9e \\u00e0 vie jusqu&rsquo;au d\\u00e9c\\u00e8s du rentier, mais le capital est g\\u00e9n\\u00e9ralement acquis \\u00e0 l&rsquo;assureur si le b\\u00e9n\\u00e9ficiaire d\\u00e9c\\u00e8de pr\\u00e9matur\\u00e9ment.\"}},{\"@type\":\"Question\",\"name\":\"La rente certaine est-elle soumise au droit de timbre f\\u00e9d\\u00e9ral ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Non. Contrairement \\u00e0 la rente viag\\u00e8re classique du 3e pilier B qui supporte un droit de timbre de 2,5 % sur la prime unique, la rente certaine en est totalement exon\\u00e9r\\u00e9e, ce qui repr\\u00e9sente une \\u00e9conomie imm\\u00e9diate \\u00e0 la souscription.\"}},{\"@type\":\"Question\",\"name\":\"Comment la rente certaine est-elle impos\\u00e9e en Suisse ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Seule la part de rendement (les int\\u00e9r\\u00eats techniques inclus dans les versements) est soumise \\u00e0 l&rsquo;imp\\u00f4t sur le revenu. Le remboursement progressif du capital est quant \\u00e0 lui totalement exon\\u00e9r\\u00e9 d&rsquo;imp\\u00f4t. De plus, le capital investi n&rsquo;est g\\u00e9n\\u00e9ralement pas compt\\u00e9 dans la fortune imposable tant qu&rsquo;il n&rsquo;y a pas de rachat anticip\\u00e9.\"}},{\"@type\":\"Question\",\"name\":\"Que se passe-t-il si je d\\u00e9c\\u00e8de avant la fin de la p\\u00e9riode de versement ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"C&rsquo;est le grand avantage de ce produit : contrairement \\u00e0 d&rsquo;autres rentes, 100 % des rentes restantes jusqu&rsquo;au terme du contrat sont vers\\u00e9es directement aux b\\u00e9n\\u00e9ficiaires d\\u00e9sign\\u00e9s (conjoint, enfants, etc.).\"}}]}<\/script>\n\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\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>La rente certaine en Suisse est un produit de pr\u00e9voyance priv\u00e9e qui s\u2019adresse aux profils tr\u00e8s prudents cherchant \u00e0 s\u00e9curiser un revenu fixe sur une dur\u00e9e d\u00e9termin\u00e9e en \u00e9change d&rsquo;une prime unique. Ce niveau de garantie rassure pour financer une transition vers la retraite, mais son rendement limit\u00e9 ne convient pas \u00e0 tout le monde.<\/p>","protected":false},"author":1,"featured_media":2270,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2269","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/posts\/2269","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/types\/post"}],"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=2269"}],"version-history":[{"count":12,"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/posts\/2269\/revisions"}],"predecessor-version":[{"id":2287,"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/posts\/2269\/revisions\/2287"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/media\/2270"}],"wp:attachment":[{"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/media?parent=2269"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/categories?post=2269"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/tags?post=2269"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}