{"id":274,"date":"2026-07-28T09:38:08","date_gmt":"2026-07-28T09:38:08","guid":{"rendered":"https:\/\/invexa.swiss\/?p=274"},"modified":"2026-09-09T15:55:05","modified_gmt":"2026-09-09T15:55:05","slug":"calculate-swiss-pension","status":"publish","type":"post","link":"https:\/\/invexa.swiss\/en\/calculer-retraite-suisse\/","title":{"rendered":"Swiss Retirement Calculator: Free AVS\/OASI, LPP, and Pillar 3 Simulator"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"274\" class=\"elementor elementor-274\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8e38bd7 e-flex e-con-boxed e-con e-parent\" data-id=\"8e38bd7\" 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-df7eed9 e-con-full e-flex e-con e-child\" data-id=\"df7eed9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a14ae06 elementor-widget elementor-widget-html\" data-id=\"a14ae06\" 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  \"@graph\": [\n    {\n      \"@type\": \"SoftwareApplication\",\n      \"name\": \"Simulateur Retraite Suisse 2026 \u2014 Invexa\",\n      \"applicationCategory\": \"FinanceApplication\",\n      \"operatingSystem\": \"Web\",\n      \"inLanguage\": \"fr-CH\",\n      \"description\": \"Calculateur gratuit de retraite en Suisse : rente AVS, caisse de pension LPP et 3e pilier. 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!important;letter-spacing:.1em !important;text-transform:uppercase !important;color:var(--light) !important;margin-bottom:4px !important;display:block !important;}\n.rr-val{font-size:15px !important;font-weight:800 !important;color:var(--navy) !important;display:block !important;}\n.rr-val.red{color:var(--red) !important;}\n.rr-val.green{color:var(--green) !important;}\n.res-alert-gap{display:flex !important;gap:13px !important;background:#FEF0EF !important;border:1px solid #F5C6C6 !important;border-radius:12px !important;padding:18px !important;margin-bottom:20px !important;}\n.res-alert-gap i{font-size:20px !important;color:var(--red) !important;flex-shrink:0 !important;margin-top:1px !important;}\n.res-alert-gap h3{font-size:15px !important;font-weight:700 !important;color:var(--red) !important;margin:0 0 4px !important;}\n.res-alert-gap p{font-size:13px !important;color:#7B2020 !important;line-height:1.55 !important;margin:0 !important;}\n.res-alert-ok{display:flex 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li:last-child{border-bottom:0 !important;}\n.tck-dot{width:22px !important;height:22px !important;min-width:22px !important;border-radius:50% !important;background:#E6F4EE !important;display:flex !important;align-items:center !important;justify-content:center !important;}\n.tck-dot i{font-size:9px !important;color:var(--green) !important;}\n.thanks-cta{display:inline-flex !important;align-items:center !important;gap:10px !important;background:var(--navy) !important;color:#fff !important;border-radius:var(--radius-pill) !important;padding:14px 28px !important;font-size:15px !important;font-weight:700 !important;text-decoration:none !important;transition:all .14s !important;}\n.thanks-cta:hover{background:var(--navy-dark) !important;transform:translateY(-1px) !important;}\n.thanks-cta i,.thanks-cta span{color:#fff !important;}\n@media(max-width:720px){\n  .sim-layout{display:block !important;}\n  .sim-card{padding:26px 22px 22px !important;border-radius:16px !important;}\n  .sim-title{font-size:22px !important;}\n  .cg2,.sim-row,.lf-grid{grid-template-columns:1fr !important;}\n  .ptiles{grid-template-columns:repeat(2,1fr) !important;}\n  .pillar-row{grid-template-columns:1fr 1fr !important;}\n  .res-recap{grid-template-columns:1fr 1fr !important;}\n  .scenarios{grid-template-columns:1fr !important;}\n}\n\/* \u2500\u2500 Ic\u00f4nes SVG Invexa (mask-image : un seul fichier par ic\u00f4ne, recolor\u00e9 automatiquement navy\/blanc selon l'\u00e9tat) \u2500\u2500 *\/\n.ivx{display:inline-block !important;width:1em !important;height:1em !important;background-color:currentColor !important;vertical-align:middle !important;-webkit-mask-repeat:no-repeat !important;mask-repeat:no-repeat !important;-webkit-mask-position:center !important;mask-position:center !important;-webkit-mask-size:contain !important;mask-size:contain !important;}\n.ivx-homme{-webkit-mask-image:url(https:\/\/invexa.swiss\/wp-content\/uploads\/2026\/08\/Icone-homme.svg) !important;mask-image:url(https:\/\/invexa.swiss\/wp-content\/uploads\/2026\/08\/Icone-homme.svg) !important;}\n.ivx-femme{-webkit-mask-image:url(https:\/\/invexa.swiss\/wp-content\/uploads\/2026\/08\/Icone-femme.svg) !important;mask-image:url(https:\/\/invexa.swiss\/wp-content\/uploads\/2026\/08\/Icone-femme.svg) !important;}\n.ivx-employe{-webkit-mask-image:url(https:\/\/invexa.swiss\/wp-content\/uploads\/2026\/08\/Icone-Employe.svg) !important;mask-image:url(https:\/\/invexa.swiss\/wp-content\/uploads\/2026\/08\/Icone-Employe.svg) !important;}\n.ivx-independant{-webkit-mask-image:url(https:\/\/invexa.swiss\/wp-content\/uploads\/2026\/08\/Icone-Independant.svg) !important;mask-image:url(https:\/\/invexa.swiss\/wp-content\/uploads\/2026\/08\/Icone-Independant.svg) !important;}\n.ivx-conservateur{-webkit-mask-image:url(https:\/\/invexa.swiss\/wp-content\/uploads\/2026\/08\/Icone-conservateur.svg) !important;mask-image:url(https:\/\/invexa.swiss\/wp-content\/uploads\/2026\/08\/Icone-conservateur.svg) !important;}\n.ivx-equilibre{-webkit-mask-image:url(https:\/\/invexa.swiss\/wp-content\/uploads\/2026\/08\/Icone-equilibre.svg) !important;mask-image:url(https:\/\/invexa.swiss\/wp-content\/uploads\/2026\/08\/Icone-equilibre.svg) !important;}\n.ivx-dynamique{-webkit-mask-image:url(https:\/\/invexa.swiss\/wp-content\/uploads\/2026\/08\/Icone-dynamique.svg) !important;mask-image:url(https:\/\/invexa.swiss\/wp-content\/uploads\/2026\/08\/Icone-dynamique.svg) !important;}\n.ivx-equity{-webkit-mask-image:url(https:\/\/invexa.swiss\/wp-content\/uploads\/2026\/08\/Icone-equity.svg) !important;mask-image:url(https:\/\/invexa.swiss\/wp-content\/uploads\/2026\/08\/Icone-equity.svg) !important;}\n.ivx-check{-webkit-mask-image:url(https:\/\/invexa.swiss\/wp-content\/uploads\/2026\/07\/Invexa-square2.svg) !important;mask-image:url(https:\/\/invexa.swiss\/wp-content\/uploads\/2026\/07\/Invexa-square2.svg) !important;}\n<\/style>\n<div class=\"sim\" id=\"simroot\">\n\n  <div class=\"sim-topbar\">\n    <div class=\"sim-secure\"><i class=\"fa-solid fa-shield-halved\"><\/i> Donn\u00e9es s\u00e9curis\u00e9es et confidentielles<\/div>\n    <div class=\"sim-stepcount\" id=\"simsc\">\u00c9tape 1 \/ 9<\/div>\n  <\/div>\n\n  <div class=\"sim-layout\">\n  <div id=\"simscreens\">\n\n  <!-- \u2550\u2550\u2550 S1: PROFIL \u2550\u2550\u2550 -->\n  <div class=\"sim-screen active\" id=\"ss1\">\n    <div class=\"sim-card\">\n      <div class=\"sim-card-wm\">01<\/div>\n      <h2 class=\"sim-title\">Quel est votre profil ?<\/h2>\n      <p class=\"sim-subtitle\">Pour personnaliser votre simulation, commen\u00e7ons par quelques informations de base.<\/p>\n      <div class=\"cg2\">\n        <button class=\"choice\" data-k=\"gender\" data-v=\"homme\">\n          <div class=\"choice-ico\"><i class=\"ivx ivx-homme\"><\/i><\/div>\n          <div class=\"choice-body\"><span class=\"choice-label\">Homme<\/span><span class=\"choice-desc\">Retraite ordinaire \u00e0 65 ans<\/span><\/div>\n          <div class=\"choice-chk\"><i class=\"ivx ivx-check\"><\/i><\/div>\n        <\/button>\n        <button class=\"choice\" data-k=\"gender\" data-v=\"femme\">\n          <div class=\"choice-ico\"><i class=\"ivx ivx-femme\"><\/i><\/div>\n          <div class=\"choice-body\"><span class=\"choice-label\">Femme<\/span><span class=\"choice-desc\">Retraite ordinaire \u00e0 65 ans<\/span><\/div>\n          <div class=\"choice-chk\"><i class=\"ivx ivx-check\"><\/i><\/div>\n        <\/button>\n      <\/div>\n      <div class=\"sim-info\"><i class=\"fa-solid fa-circle-info\"><\/i><p>Depuis la r\u00e9forme AVS 21, l'\u00e2ge de r\u00e9f\u00e9rence est <strong>65 ans pour tous<\/strong>. Votre trajectoire de carri\u00e8re influence vos projections AVS.<\/p><\/div>\n      <div class=\"sim-err\" id=\"e1\"><i class=\"fa-solid fa-triangle-exclamation\"><\/i> Veuillez s\u00e9lectionner votre profil<\/div>\n      <div class=\"sim-nav\"><div><\/div><button class=\"sim-next\" onclick=\"nxt(1)\"><span class=\"spin\"><\/span><span class=\"btn-lbl\">Commencer<\/span><i class=\"fa-solid fa-arrow-right\"><\/i><\/button><\/div>\n    <\/div>\n  <\/div>\n\n  <!-- \u2550\u2550\u2550 S2: AGE + STATUT \u2550\u2550\u2550 -->\n  <div class=\"sim-screen\" id=\"ss2\">\n    <div class=\"sim-card\">\n      <div class=\"sim-card-wm\">02<\/div>\n      <h2 class=\"sim-title\">Votre situation personnelle<\/h2>\n      <p class=\"sim-subtitle\">Votre \u00e2ge, votre d\u00e9part pr\u00e9vu \u00e0 la retraite et votre statut professionnel.<\/p>\n\n      <div class=\"sim-row\">\n        <div class=\"sim-field\">\n          <label class=\"sim-label\">Votre \u00e2ge actuel<\/label>\n          <input class=\"sim-inp\" type=\"number\" id=\"f-age\" placeholder=\"45\" min=\"18\" max=\"64\" inputmode=\"numeric\">\n          <div class=\"sim-err\" id=\"e2a\"><i class=\"fa-solid fa-triangle-exclamation\"><\/i> \u00c2ge entre 18 et 64 ans requis<\/div>\n        <\/div>\n        <div class=\"sim-field\">\n          <label class=\"sim-label\">\u00c2ge de d\u00e9part souhait\u00e9<\/label>\n          <input class=\"sim-inp\" type=\"number\" id=\"f-retage\" value=\"65\" min=\"63\" max=\"70\" inputmode=\"numeric\" oninput=\"onRetInput()\">\n          <div class=\"presets\" id=\"ret-presets\">\n            <button class=\"preset\" onclick=\"setRet(63)\">63<\/button>\n            <button class=\"preset\" onclick=\"setRet(64)\">64<\/button>\n            <button class=\"preset sel\" onclick=\"setRet(65)\">65<\/button>\n            <button class=\"preset\" onclick=\"setRet(70)\">70<\/button>\n          <\/div>\n          <div class=\"sim-err\" id=\"e2b\"><i class=\"fa-solid fa-triangle-exclamation\"><\/i> Entre 63 et 70 ans, et sup\u00e9rieur \u00e0 votre \u00e2ge<\/div>\n        <\/div>\n      <\/div>\n\n      <div class=\"sim-field\">\n        <label class=\"sim-label\">Statut professionnel<\/label>\n        <div class=\"cg2\">\n          <button class=\"choice\" data-k=\"employment\" data-v=\"employe\">\n            <div class=\"choice-ico\"><i class=\"ivx ivx-employe\"><\/i><\/div>\n            <div class=\"choice-body\"><span class=\"choice-label\">Salari\u00e9(e)<\/span><span class=\"choice-desc\">Plafond 3a : CHF 7'258\/an<\/span><\/div>\n            <div class=\"choice-chk\"><i class=\"ivx ivx-check\"><\/i><\/div>\n          <\/button>\n          <button class=\"choice\" data-k=\"employment\" data-v=\"independant\">\n            <div class=\"choice-ico\"><i class=\"ivx ivx-independant\"><\/i><\/div>\n            <div class=\"choice-body\"><span class=\"choice-label\">Ind\u00e9pendant(e)<\/span><span class=\"choice-desc\">Plafond 3a : CHF 36'288\/an<\/span><\/div>\n            <div class=\"choice-chk\"><i class=\"ivx ivx-check\"><\/i><\/div>\n          <\/button>\n        <\/div>\n        <div class=\"sim-err\" id=\"e2c\"><i class=\"fa-solid fa-triangle-exclamation\"><\/i> Veuillez s\u00e9lectionner votre statut<\/div>\n      <\/div>\n\n      <div class=\"sim-info\"><i class=\"fa-solid fa-circle-info\"><\/i><p>Anticiper la retraite r\u00e9duit la rente AVS d\u00e9finitivement. La reporter de 1 \u00e0 5 ans l'augmente jusqu'\u00e0 <strong>+31.5%<\/strong>.<\/p><\/div>\n      <div class=\"sim-nav\">\n        <button class=\"sim-back\" onclick=\"bck(2)\"><i class=\"fa-solid fa-arrow-left\"><\/i> Retour<\/button>\n        <button class=\"sim-next\" onclick=\"nxt(2)\"><span class=\"spin\"><\/span><span class=\"btn-lbl\">Continuer<\/span><i class=\"fa-solid fa-arrow-right\"><\/i><\/button>\n      <\/div>\n    <\/div>\n  <\/div>\n\n  <!-- \u2550\u2550\u2550 S3: SALAIRE \u2550\u2550\u2550 -->\n  <div class=\"sim-screen\" id=\"ss3\">\n    <div class=\"sim-card\">\n      <div class=\"sim-card-wm\">03<\/div>\n      <h2 class=\"sim-title\">Votre revenu<\/h2>\n      <p class=\"sim-subtitle\">Ces informations servent \u00e0 calculer vos cotisations AVS, LPP et votre \u00e9conomie fiscale potentielle.<\/p>\n\n      <div class=\"sim-row\">\n        <div class=\"sim-field\">\n          <label class=\"sim-label\">Salaire brut mensuel<\/label>\n          <div class=\"sim-inp-wrap\"><span class=\"sim-inp-pre\">CHF<\/span><input type=\"number\" id=\"f-salary\" placeholder=\"7 500\" min=\"1000\" max=\"200000\" inputmode=\"numeric\"><\/div>\n        <\/div>\n        <div class=\"sim-field\">\n          <label class=\"sim-label\">B\u00e9n\u00e9ficiez-vous d'un 13e mois ?<\/label>\n          <div class=\"toggle-row\">\n            <button class=\"tbtn on\" id=\"t13-oui\" onclick=\"setT('13','oui')\">Oui<\/button>\n            <button class=\"tbtn\" id=\"t13-non\" onclick=\"setT('13','non')\">Non<\/button>\n          <\/div>\n        <\/div>\n      <\/div>\n      <div class=\"sim-err\" id=\"e3a\"><i class=\"fa-solid fa-triangle-exclamation\"><\/i> Veuillez saisir votre salaire mensuel<\/div>\n\n      <div class=\"sim-nav\">\n        <button class=\"sim-back\" onclick=\"bck(3)\"><i class=\"fa-solid fa-arrow-left\"><\/i> Retour<\/button>\n        <button class=\"sim-next\" onclick=\"nxt(3)\"><span class=\"spin\"><\/span><span class=\"btn-lbl\">Continuer<\/span><i class=\"fa-solid fa-arrow-right\"><\/i><\/button>\n      <\/div>\n    <\/div>\n  <\/div>\n\n  <!-- \u2550\u2550\u2550 S4: AVS \u2550\u2550\u2550 -->\n  <div class=\"sim-screen\" id=\"ss4\">\n    <div class=\"sim-card\">\n      <div class=\"sim-card-wm\">04<\/div>\n      <h2 class=\"sim-title\">Votre 1er pilier (AVS)<\/h2>\n      <p class=\"sim-subtitle\">Le nombre d'ann\u00e9es de cotisation d\u00e9termine votre rente de base. Une ann\u00e9e manquante r\u00e9duit la rente d'environ 2.3%.<\/p>\n\n      <div class=\"sim-field\">\n        <label class=\"sim-label\">Combien d'ann\u00e9es avez-vous cotis\u00e9 \u00e0 l'AVS ?<\/label>\n        <div class=\"bignr-wrap\">\n          <input class=\"bignr\" type=\"number\" id=\"f-avs-years\" value=\"44\" min=\"1\" max=\"44\" inputmode=\"numeric\" oninput=\"onAvsInput()\">\n          <span class=\"bignr-suf\">ans cotis\u00e9s<\/span>\n        <\/div>\n        <div class=\"presets\" id=\"avs-presets\" style=\"margin-top:14px;\"><\/div>\n        <span class=\"bignr-hint\" id=\"avs-hint\">Carri\u00e8re compl\u00e8te \u2014 rente <strong>sans r\u00e9duction<\/strong><\/span>\n        <div class=\"sim-err\" id=\"e4\"><i class=\"fa-solid fa-triangle-exclamation\"><\/i> Nombre d'ann\u00e9es invalide (1 \u00e0 44)<\/div>\n      <\/div>\n\n      <div class=\"sim-info\"><i class=\"fa-solid fa-circle-info\"><\/i><p>Pour une rente compl\u00e8te (\u00e9chelle 44), il faut avoir cotis\u00e9 <strong>44 ans<\/strong> sans interruption. Les ann\u00e9es pass\u00e9es \u00e0 l'\u00e9tranger peuvent cr\u00e9er des lacunes.<\/p><\/div>\n      <div class=\"sim-nav\">\n        <button class=\"sim-back\" onclick=\"bck(4)\"><i class=\"fa-solid fa-arrow-left\"><\/i> Retour<\/button>\n        <button class=\"sim-next\" onclick=\"nxt(4)\"><span class=\"spin\"><\/span><span class=\"btn-lbl\">Continuer<\/span><i class=\"fa-solid fa-arrow-right\"><\/i><\/button>\n      <\/div>\n    <\/div>\n  <\/div>\n\n  <!-- \u2550\u2550\u2550 S5: LPP \u2550\u2550\u2550 -->\n  <div class=\"sim-screen\" id=\"ss5\">\n    <div class=\"sim-card\">\n      <div class=\"sim-card-wm\">05<\/div>\n      <h2 class=\"sim-title\">Votre 2e pilier (LPP)<\/h2>\n      <p class=\"sim-subtitle\">La caisse de pension est souvent votre plus grande source de revenu \u00e0 la retraite. Plus vous avez d'informations, plus la simulation sera pr\u00e9cise.<\/p>\n\n      <div class=\"sim-field\">\n        <label class=\"sim-label\">Connaissez-vous vos avoirs actuels dans votre caisse de pension ?<\/label>\n        <div class=\"toggle-row\">\n          <button class=\"tbtn on\" id=\"tlpp-oui\" onclick=\"setT('lpp','oui')\">Oui, je les connais<\/button>\n          <button class=\"tbtn\" id=\"tlpp-non\" onclick=\"setT('lpp','non')\">Non, estimer pour moi<\/button>\n        <\/div>\n        <div class=\"sim-info\" style=\"margin-top:12px;\"><i class=\"fa-solid fa-circle-info\"><\/i><p>Vos avoirs figurent sur votre <strong>attestation de pr\u00e9voyance<\/strong> annuelle (re\u00e7ue en d\u00e9but d'ann\u00e9e). Si vous ne l'avez pas sous la main, nous estimons sur la base de votre salaire.<\/p><\/div>\n      <\/div>\n\n      <div id=\"lpp-known-fields\">\n        <div class=\"sim-row\">\n          <div class=\"sim-field\">\n            <label class=\"sim-label\">Capital LPP actuel <span class=\"sim-opt\">(optionnel)<\/span><\/label>\n            <div class=\"sim-inp-wrap\"><span class=\"sim-inp-pre\">CHF<\/span><input type=\"number\" id=\"f-lpp-capital\" placeholder=\"80 000\" min=\"0\" inputmode=\"numeric\"><\/div>\n          <\/div>\n          <div class=\"sim-field\">\n            <label class=\"sim-label\">\n              <span class=\"tipwrap\">\n                Rente LPP projet\u00e9e <span class=\"sim-opt\">(optionnel)<\/span>\n                <span class=\"tipicon\"><i class=\"fa-solid fa-info\"><\/i><\/span>\n                <span class=\"tipbox\">Figurant sur votre attestation de pr\u00e9voyance sous \u00ab rente de vieillesse projet\u00e9e \u00bb.<\/span>\n              <\/span>\n            <\/label>\n            <div class=\"sim-inp-wrap\"><span class=\"sim-inp-pre\">CHF \/ mois<\/span><input type=\"number\" id=\"f-lpp-rente\" placeholder=\"2 500\" min=\"0\" inputmode=\"numeric\"><\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n\n      <div class=\"sim-field\">\n        <label class=\"sim-label\">Avoirs de libre passage <span class=\"sim-opt\">(optionnel)<\/span><\/label>\n        <div class=\"sim-inp-wrap\"><span class=\"sim-inp-pre\">CHF<\/span><input type=\"number\" id=\"f-vested\" placeholder=\"0\" min=\"0\" value=\"0\" inputmode=\"numeric\"><\/div>\n        <div class=\"sim-info\" style=\"margin-top:10px;\"><i class=\"fa-solid fa-circle-info\"><\/i><p>Si vous avez quitt\u00e9 un emploi sans rejoindre une nouvelle caisse, votre avoir a \u00e9t\u00e9 transf\u00e9r\u00e9 sur un <strong>compte de libre passage<\/strong>. Ce montant s'ajoute \u00e0 votre LPP.<\/p><\/div>\n      <\/div>\n\n      <div class=\"sim-nav\">\n        <button class=\"sim-back\" onclick=\"bck(5)\"><i class=\"fa-solid fa-arrow-left\"><\/i> Retour<\/button>\n        <button class=\"sim-next\" onclick=\"nxt(5)\"><span class=\"spin\"><\/span><span class=\"btn-lbl\">Continuer<\/span><i class=\"fa-solid fa-arrow-right\"><\/i><\/button>\n      <\/div>\n    <\/div>\n  <\/div>\n\n  <!-- \u2550\u2550\u2550 S6: 3E PILIER \u2550\u2550\u2550 -->\n  <div class=\"sim-screen\" id=\"ss6\">\n    <div class=\"sim-card\">\n      <div class=\"sim-card-wm\">06<\/div>\n      <h2 class=\"sim-title\">Votre 3e pilier<\/h2>\n      <p class=\"sim-subtitle\">Le 3e pilier est votre levier principal pour combler une lacune de pr\u00e9voyance et r\u00e9duire vos imp\u00f4ts.<\/p>\n\n      <div class=\"sim-section\"><i class=\"fa-solid fa-lock\"><\/i> Pilier 3a \u2014 d\u00e9ductible fiscalement<\/div>\n\n      <div class=\"sim-row\">\n        <div class=\"sim-field\">\n          <label class=\"sim-label\">Avoirs 3a existants <span class=\"sim-opt\">(optionnel)<\/span><\/label>\n          <div class=\"sim-inp-wrap\"><span class=\"sim-inp-pre\">CHF<\/span><input type=\"number\" id=\"f-3a-stock\" placeholder=\"25 000\" min=\"0\" value=\"0\" inputmode=\"numeric\"><\/div>\n        <\/div>\n        <div class=\"sim-field\">\n          <label class=\"sim-label\">Versements annuels 3a <span class=\"sim-opt\">(optionnel)<\/span><\/label>\n          <div class=\"sim-inp-wrap\"><span class=\"sim-inp-pre\">CHF \/ an<\/span><input type=\"number\" id=\"f-3a-annual\" placeholder=\"7 258\" min=\"0\" value=\"0\" inputmode=\"numeric\"><\/div>\n        <\/div>\n      <\/div>\n      <div class=\"sim-info\" style=\"margin-bottom:24px;\"><i class=\"fa-solid fa-circle-info\"><\/i><p>Plafond 2025 : <strong>CHF 7'258\/an<\/strong> pour les salari\u00e9s, <strong>CHF 36'288\/an<\/strong> pour les ind\u00e9pendants sans 2e pilier.<\/p><\/div>\n\n      <div class=\"sim-section\"><i class=\"fa-solid fa-unlock\"><\/i> Pilier 3b \u2014 \u00e9pargne libre<\/div>\n\n      <div class=\"sim-row\">\n        <div class=\"sim-field\">\n          <label class=\"sim-label\">Avoirs 3b existants <span class=\"sim-opt\">(optionnel)<\/span><\/label>\n          <div class=\"sim-inp-wrap\"><span class=\"sim-inp-pre\">CHF<\/span><input type=\"number\" id=\"f-3b-stock\" placeholder=\"10 000\" min=\"0\" value=\"0\" inputmode=\"numeric\"><\/div>\n        <\/div>\n        <div class=\"sim-field\">\n          <label class=\"sim-label\">\u00c9pargne mensuelle 3b <span class=\"sim-opt\">(optionnel)<\/span><\/label>\n          <div class=\"sim-inp-wrap\"><span class=\"sim-inp-pre\">CHF \/ mois<\/span><input type=\"number\" id=\"f-3b-monthly\" placeholder=\"300\" min=\"0\" value=\"0\" inputmode=\"numeric\"><\/div>\n        <\/div>\n      <\/div>\n\n      <div class=\"sim-section\"><i class=\"fa-solid fa-chart-line\"><\/i> Profil d'investissement (3a)<\/div>\n\n      <div class=\"ptiles\">\n        <button class=\"ptile\" data-prof=\"conservateur\">\n          <div class=\"ptile-chk\"><i class=\"ivx ivx-check\"><\/i><\/div>\n          <div class=\"ptile-ico\"><i class=\"ivx ivx-conservateur\"><\/i><\/div>\n          <span class=\"ptile-lbl\">Conservateur<\/span><span class=\"ptile-sub\">~2% \/ an<\/span>\n        <\/button>\n        <button class=\"ptile sel\" data-prof=\"equilibre\">\n          <div class=\"ptile-chk\"><i class=\"ivx ivx-check\"><\/i><\/div>\n          <div class=\"ptile-ico\"><i class=\"ivx ivx-equilibre\"><\/i><\/div>\n          <span class=\"ptile-lbl\">\u00c9quilibr\u00e9<\/span><span class=\"ptile-sub\">~3.5% \/ an<\/span>\n        <\/button>\n        <button class=\"ptile rec\" data-prof=\"dynamique\">\n          <div class=\"ptile-chk\"><i class=\"ivx ivx-check\"><\/i><\/div>\n          <div class=\"ptile-ico\"><i class=\"ivx ivx-dynamique\"><\/i><\/div>\n          <span class=\"ptile-lbl\">Dynamique<\/span><span class=\"ptile-sub\">~5.5% \/ an<\/span>\n        <\/button>\n        <button class=\"ptile\" data-prof=\"tres-dynamique\">\n          <div class=\"ptile-chk\"><i class=\"ivx ivx-check\"><\/i><\/div>\n          <div class=\"ptile-ico\"><i class=\"ivx ivx-equity\"><\/i><\/div>\n          <span class=\"ptile-lbl\">Tr\u00e8s dynamique<\/span><span class=\"ptile-sub\">~7.5% \/ an<\/span>\n        <\/button>\n      <\/div>\n\n      <div class=\"sim-nav\">\n        <button class=\"sim-back\" onclick=\"bck(6)\"><i class=\"fa-solid fa-arrow-left\"><\/i> Retour<\/button>\n        <button class=\"sim-next\" onclick=\"nxt(6)\"><span class=\"spin\"><\/span><span class=\"btn-lbl\">Continuer<\/span><i class=\"fa-solid fa-arrow-right\"><\/i><\/button>\n      <\/div>\n    <\/div>\n  <\/div>\n\n  <!-- \u2550\u2550\u2550 S7: CANTON \u2550\u2550\u2550 -->\n  <div class=\"sim-screen\" id=\"ss7\">\n    <div class=\"sim-card\">\n      <div class=\"sim-card-wm\">07<\/div>\n      <h2 class=\"sim-title\">Dans quel canton r\u00e9sidez-vous ?<\/h2>\n      <p class=\"sim-subtitle\">Votre canton d\u00e9termine votre taux marginal d'imposition et donc le montant r\u00e9el de votre \u00e9conomie fiscale sur le 3a.<\/p>\n\n      <div class=\"sim-field\">\n        <label class=\"sim-label\">Tapez votre canton<\/label>\n        <div class=\"canton-wrap\">\n          <input class=\"canton-inp\" type=\"text\" id=\"f-canton\" placeholder=\"Ex: Vaud, Gen\u00e8ve, Zurich\u2026\" autocomplete=\"off\">\n          <div class=\"canton-dd\" id=\"canton-dd\"><\/div>\n        <\/div>\n        <div class=\"canton-ok\" id=\"canton-ok\"><i class=\"fa-solid fa-circle-check\"><\/i><span id=\"canton-ok-txt\"><\/span><\/div>\n        <div class=\"sim-info\" style=\"margin-top:16px;\"><i class=\"fa-solid fa-circle-info\"><\/i><p>Le taux marginal varie de <strong>~16% (Zoug)<\/strong> \u00e0 <strong>~40% (Gen\u00e8ve)<\/strong>. Il d\u00e9termine votre \u00e9conomie fiscale r\u00e9elle sur vos versements 3a.<\/p><\/div>\n        <div class=\"sim-err\" id=\"e7\"><i class=\"fa-solid fa-triangle-exclamation\"><\/i> Veuillez s\u00e9lectionner votre canton dans la liste<\/div>\n      <\/div>\n\n      <div class=\"sim-nav\">\n        <button class=\"sim-back\" onclick=\"bck(7)\"><i class=\"fa-solid fa-arrow-left\"><\/i> Retour<\/button>\n        <button class=\"sim-next\" onclick=\"nxt(7)\"><span class=\"spin\"><\/span><span class=\"btn-lbl\">Continuer<\/span><i class=\"fa-solid fa-arrow-right\"><\/i><\/button>\n      <\/div>\n    <\/div>\n  <\/div>\n\n  <!-- \u2550\u2550\u2550 S8: OBJECTIF \u2550\u2550\u2550 -->\n  <div class=\"sim-screen\" id=\"ss8\">\n    <div class=\"sim-card\">\n      <div class=\"sim-card-wm\">08<\/div>\n      <h2 class=\"sim-title\">Quel est votre objectif de vie \u00e0 la retraite ?<\/h2>\n      <p class=\"sim-subtitle\">Choisissez le niveau de revenu que vous souhaitez maintenir. Cela d\u00e9finit votre cible et r\u00e9v\u00e8le votre lacune de pr\u00e9voyance.<\/p>\n\n      <div class=\"sim-field\">\n        <label class=\"sim-label\">Revenu mensuel souhait\u00e9 \u00e0 la retraite<\/label>\n        <div class=\"slider-track\">\n          <input type=\"range\" class=\"sim-slider\" id=\"f-target\" min=\"50\" max=\"100\" value=\"80\" oninput=\"onSlider()\">\n        <\/div>\n        <div class=\"slider-marks\"><span>50%<\/span><span>60%<\/span><span>70%<\/span><span>80%<\/span><span>90%<\/span><span>100%<\/span><\/div>\n        <div class=\"slider-display\">\n          <span class=\"slider-val\" id=\"slider-pct\">80%<\/span>\n          <span class=\"slider-sub\" id=\"slider-chf\">de votre salaire actuel<\/span>\n        <\/div>\n        <div class=\"sim-info\" style=\"margin-top:16px;\"><i class=\"fa-solid fa-circle-info\"><\/i><p>Les experts recommandent <strong>70 \u00e0 80% du dernier salaire<\/strong> pour maintenir votre niveau de vie. C'est la base du calcul de votre lacune de pr\u00e9voyance.<\/p><\/div>\n      <\/div>\n\n      <div class=\"sim-nav\">\n        <button class=\"sim-back\" onclick=\"bck(8)\"><i class=\"fa-solid fa-arrow-left\"><\/i> Retour<\/button>\n        <button class=\"sim-next\" onclick=\"nxt(8)\"><span class=\"spin\"><\/span><span class=\"btn-lbl\">Voir mes r\u00e9sultats<\/span><i class=\"fa-solid fa-arrow-right\"><\/i><\/button>\n      <\/div>\n    <\/div>\n  <\/div>\n\n  <!-- \u2550\u2550\u2550 S9: R\u00c9SULTATS \u2550\u2550\u2550 -->\n  <div class=\"sim-screen\" id=\"ss9\">\n    <div class=\"sim-card\">\n      <div class=\"sim-card-wm\">09<\/div>\n      <h2 class=\"sim-title\">Votre simulation retraite<\/h2>\n\n      <button class=\"edit-btn\" onclick=\"goTo(2)\"><i class=\"fa-solid fa-pencil\"><\/i> Modifier mes donn\u00e9es<\/button>\n\n      <!-- Hero -->\n      <div class=\"res-hero\">\n        <span class=\"rh-lbl\">Taux de remplacement estim\u00e9<\/span>\n        <span class=\"rh-val\" id=\"res-rate\">0%<\/span>\n        <span class=\"rh-sub\" id=\"res-sub\">objectif : 80%<\/span>\n      <\/div>\n\n      <!-- Alert -->\n      <div id=\"res-alert\"><\/div>\n\n      <!-- Pillars inline -->\n      <div class=\"pillar-row\" id=\"res-pillars\"><\/div>\n\n      <!-- Bar -->\n      <div class=\"res-bar-wrap\">\n        <span class=\"res-bar-lbl\">Composition du revenu mensuel estim\u00e9 \u00e0 la retraite (CHF \/ mois)<\/span>\n        <div class=\"res-bar\" id=\"res-bar\"><\/div>\n        <div class=\"bar-legend\">\n          <div class=\"leg-item\"><div class=\"leg-dot\" style=\"background:var(--navy);\"><\/div>AVS (1er pilier)<\/div>\n          <div class=\"leg-item\"><div class=\"leg-dot\" style=\"background:var(--purple);\"><\/div>LPP (2e pilier)<\/div>\n          <div class=\"leg-item\"><div class=\"leg-dot\" style=\"background:var(--green);\"><\/div>3e pilier<\/div>\n          <div class=\"leg-item\"><div class=\"leg-dot\" style=\"background:var(--red);\"><\/div>Lacune<\/div>\n        <\/div>\n      <\/div>\n\n      <!-- Recap -->\n      <div class=\"res-recap\">\n        <div class=\"rr-cell\"><span class=\"rr-lbl\">Revenu estim\u00e9 \/ mois<\/span><span class=\"rr-val\" id=\"rc-monthly\"><\/span><\/div>\n        <div class=\"rr-cell\"><span class=\"rr-lbl\">Objectif \/ mois<\/span><span class=\"rr-val\" id=\"rc-target\"><\/span><\/div>\n        <div class=\"rr-cell\"><span class=\"rr-lbl\">Lacune \/ mois<\/span><span class=\"rr-val\" id=\"rc-gap\"><\/span><\/div>\n      <\/div>\n\n      <!-- Chart -->\n      <div class=\"chart-card\">\n        <div class=\"chart-head\">\n          <span class=\"chart-title\">Projection du capital 3e pilier<\/span>\n          <div class=\"chart-leg\">\n            <div class=\"cl-i\"><div class=\"cl-dot\" style=\"background:var(--navy);\"><\/div>Pessimiste<\/div>\n            <div class=\"cl-i\"><div class=\"cl-dot\" style=\"background:var(--purple);\"><\/div>Probable<\/div>\n            <div class=\"cl-i\"><div class=\"cl-dot\" style=\"background:var(--green);\"><\/div>Optimiste<\/div>\n          <\/div>\n        <\/div>\n        <div class=\"chart-canvas\"><canvas id=\"proj-chart\"><\/canvas><\/div>\n      <\/div>\n\n      <!-- Scenarios -->\n      <div class=\"scenarios\">\n        <div class=\"sc-card\"><div class=\"sc-dot\" style=\"background:var(--navy);\"><\/div><span class=\"sc-lbl\">Pessimiste<\/span><span class=\"sc-val\" id=\"sc-p\"><\/span><span class=\"sc-rate\" id=\"sc-pr\"><\/span><\/div>\n        <div class=\"sc-card\"><div class=\"sc-dot\" style=\"background:var(--purple);\"><\/div><span class=\"sc-lbl\">Probable<\/span><span class=\"sc-val\" id=\"sc-m\"><\/span><span class=\"sc-rate\" id=\"sc-mr\"><\/span><\/div>\n        <div class=\"sc-card\"><div class=\"sc-dot\" style=\"background:var(--green);\"><\/div><span class=\"sc-lbl\">Optimiste<\/span><span class=\"sc-val\" id=\"sc-o\"><\/span><span class=\"sc-rate\" id=\"sc-or\"><\/span><\/div>\n      <\/div>\n\n      <!-- Lead Form -->\n      <div class=\"lf-box\">\n        <span class=\"lf-title\">Obtenez votre analyse personnalis\u00e9e gratuite<\/span>\n        <span class=\"lf-sub\">Un conseiller en pr\u00e9voyance analyse votre dossier et vous contacte sous <strong>24h<\/strong> avec des recommandations concr\u00e8tes.<\/span>\n\n        <div class=\"res-recap\" style=\"margin-bottom:20px;\">\n          <div class=\"rr-cell\"><span class=\"rr-lbl\">Salaire<\/span><span class=\"rr-val\" id=\"lf-sal\"><\/span><\/div>\n          <div class=\"rr-cell\"><span class=\"rr-lbl\">Canton<\/span><span class=\"rr-val\" id=\"lf-can\">Non renseign\u00e9<\/span><\/div>\n          <div class=\"rr-cell\"><span class=\"rr-lbl\">Lacune \/ mois<\/span><span class=\"rr-val\" id=\"lf-gap\"><\/span><\/div>\n        <\/div>\n\n        <div class=\"lf-grid\">\n          <div class=\"lf-field\"><label class=\"lf-lbl\">Pr\u00e9nom<\/label><input class=\"lf-inp\" type=\"text\" id=\"lf-fn\" placeholder=\"Pr\u00e9nom\" autocomplete=\"given-name\"><\/div>\n          <div class=\"lf-field\"><label class=\"lf-lbl\">Nom<\/label><input class=\"lf-inp\" type=\"text\" id=\"lf-ln\" placeholder=\"Nom\" autocomplete=\"family-name\"><\/div>\n          <div class=\"lf-field lf-full\"><label class=\"lf-lbl\">Adresse e-mail<\/label><input class=\"lf-inp\" type=\"email\" id=\"lf-em\" placeholder=\"vous@exemple.ch\" autocomplete=\"email\"><\/div>\n          <div class=\"lf-field lf-full\">\n            <label class=\"lf-lbl\">T\u00e9l\u00e9phone<\/label>\n            <div class=\"lf-phone\">\n              <div class=\"lf-pfx\"><span id=\"pfx-flag\">\ud83c\udde8\ud83c\udded<\/span><span id=\"pfx-code\"> +41<\/span><select id=\"pfx-sel\" onchange=\"updPfx()\"><option value=\"+41\" data-f=\"\ud83c\udde8\ud83c\udded\">Suisse<\/option><option value=\"+33\" data-f=\"\ud83c\uddeb\ud83c\uddf7\">France<\/option><option value=\"+49\" data-f=\"\ud83c\udde9\ud83c\uddea\">Allemagne<\/option><option value=\"+39\" data-f=\"\ud83c\uddee\ud83c\uddf9\">Italie<\/option><option value=\"+351\" data-f=\"\ud83c\uddf5\ud83c\uddf9\">Portugal<\/option><option value=\"+32\" data-f=\"\ud83c\udde7\ud83c\uddea\">Belgique<\/option><option value=\"+44\" data-f=\"\ud83c\uddec\ud83c\udde7\">Royaume-Uni<\/option><\/select><\/div>\n              <input class=\"lf-num\" type=\"tel\" id=\"lf-ph\" placeholder=\"79 123 45 67\" autocomplete=\"tel\">\n            <\/div>\n          <\/div>\n        <\/div>\n        <span class=\"lf-sep\">Adresse postale<\/span>\n        <div class=\"lf-grid\">\n          <div class=\"lf-field lf-full\"><label class=\"lf-lbl\">Rue et num\u00e9ro<\/label><input class=\"lf-inp\" type=\"text\" id=\"lf-addr\" placeholder=\"Rue de la Paix 12\" autocomplete=\"street-address\"><\/div>\n          <div class=\"lf-field\"><label class=\"lf-lbl\">Code postal<\/label><input class=\"lf-inp\" type=\"text\" id=\"lf-zip\" placeholder=\"1000\" maxlength=\"4\" inputmode=\"numeric\" autocomplete=\"postal-code\"><\/div>\n          <div class=\"lf-field\"><label class=\"lf-lbl\">Localit\u00e9<\/label><input class=\"lf-inp\" type=\"text\" id=\"lf-city\" placeholder=\"Lausanne\" autocomplete=\"address-level2\"><\/div>\n        <\/div>\n        <div class=\"lf-err\" id=\"lf-err\"><\/div>\n        <button class=\"lf-cta\" id=\"sub-btn\" onclick=\"ix3Sub()\"><span class=\"spin\"><\/span><span class=\"btn-lbl\">Recevoir mon bilan retraite gratuit<\/span><i class=\"fa-solid fa-arrow-right\"><\/i><\/button>\n        <div class=\"lf-note\"><i class=\"fa-solid fa-shield-halved\"><\/i> Sans engagement \u00b7 Donn\u00e9es confidentielles \u00b7 R\u00e9vocable \u00e0 tout moment<\/div>\n      <\/div>\n\n      <div class=\"sim-nav\">\n        <button class=\"sim-back\" onclick=\"bck(9)\"><i class=\"fa-solid fa-arrow-left\"><\/i> Modifier mes r\u00e9ponses<\/button>\n        <div><\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n\n  <!-- \u2550\u2550\u2550 S10: MERCI \u2550\u2550\u2550 -->\n  <div class=\"sim-screen\" id=\"ss10\">\n    <div class=\"sim-card\">\n      <div class=\"thanks\">\n        <div class=\"thanks-badge\"><i class=\"fa-solid fa-check\"><\/i><\/div>\n        <span class=\"thanks-h\">Demande envoy\u00e9e !<\/span>\n        <span class=\"thanks-p\">Un expert analyse votre profil et vous contacte dans les <strong>24 heures<\/strong> avec votre bilan personnalis\u00e9.<\/span>\n        <ul class=\"thanks-list\">\n          <li><div class=\"tck-dot\"><i class=\"fa-solid fa-check\"><\/i><\/div>Analyse compl\u00e8te AVS, LPP et 3e pilier personnalis\u00e9e<\/li>\n          <li><div class=\"tck-dot\"><i class=\"fa-solid fa-check\"><\/i><\/div>Strat\u00e9gies concr\u00e8tes pour combler votre lacune de pr\u00e9voyance<\/li>\n          <li><div class=\"tck-dot\"><i class=\"fa-solid fa-check\"><\/i><\/div>Estimation de votre \u00e9conomie fiscale selon votre canton<\/li>\n        <\/ul>\n        <a class=\"thanks-cta\" href=\"https:\/\/comparatif-3eme-pilier.ch\/planifier-un-rendez-vous\/\" target=\"_blank\" rel=\"noopener\">\n          <i class=\"fa-regular fa-calendar\"><\/i><span>Planifier un RDV gratuit de 15 min<\/span>\n        <\/a>\n      <\/div>\n    <\/div>\n  <\/div>\n\n  <\/div><!-- \/screens -->\n\n  <!-- \u2550\u2550\u2550 SIDEBAR (dummy values pre-filled for SEO) \u2550\u2550\u2550 -->\n  <aside class=\"sim-sb\">\n    <div class=\"sb-progress\">\n      <div class=\"sb-track\"><div class=\"sb-fill\" id=\"sb-fill\"><\/div><\/div>\n      <div class=\"sb-prow\">\n        <span class=\"sb-plbl\" id=\"sb-step-lbl\">\u00c9tape 1 \/ 9<\/span>\n        <span class=\"sb-ppct\" id=\"sb-pct\">0%<\/span>\n      <\/div>\n    <\/div>\n\n    <span class=\"sb-section-lbl\">Votre simulation<\/span>\n\n    <div class=\"sb-kpi\">\n      <div class=\"sb-kpi-ico\" style=\"background:#E6EEF8 !important;\"><i class=\"fa-solid fa-landmark\" style=\"color:#0B1C4E !important;\"><\/i><\/div>\n      <div class=\"sb-kpi-body\">\n        <span class=\"sb-klbl\">Profil<\/span>\n        <span class=\"sb-kval\" id=\"sb-profil\">Femme, 65 ans<\/span>\n      <\/div>\n    <\/div>\n    <div class=\"sb-kpi\">\n      <div class=\"sb-kpi-ico\" style=\"background:#E6EEF8 !important;\"><i class=\"fa-solid fa-landmark\" style=\"color:#0B1C4E !important;\"><\/i><\/div>\n      <div class=\"sb-kpi-body\">\n        <span class=\"sb-klbl\">AVS \u2014 1er pilier<\/span>\n        <span class=\"sb-kval\" id=\"sb-avs\">CHF 2'520 \/ mois<\/span>\n      <\/div>\n    <\/div>\n    <div class=\"sb-kpi\">\n      <div class=\"sb-kpi-ico\" style=\"background:#EDE8F5 !important;\"><i class=\"fa-solid fa-building-columns\" style=\"color:#6B46C1 !important;\"><\/i><\/div>\n      <div class=\"sb-kpi-body\">\n        <span class=\"sb-klbl\">LPP \u2014 2e pilier<\/span>\n        <span class=\"sb-kval\" id=\"sb-lpp\">CHF 2'000 \/ mois<\/span>\n      <\/div>\n    <\/div>\n    <div class=\"sb-kpi\">\n      <div class=\"sb-kpi-ico\" style=\"background:#E6F4EE !important;\"><i class=\"fa-solid fa-piggy-bank\" style=\"color:#0E8A5F !important;\"><\/i><\/div>\n      <div class=\"sb-kpi-body\">\n        <span class=\"sb-klbl\">3e pilier<\/span>\n        <span class=\"sb-kval\" id=\"sb-3p\">CHF 50'000<\/span>\n      <\/div>\n    <\/div>\n    <div class=\"sb-kpi\">\n      <div class=\"sb-kpi-ico\" style=\"background:#F0F7FF !important;\"><i class=\"fa-solid fa-bullseye\" style=\"color:#2B7BA8 !important;\"><\/i><\/div>\n      <div class=\"sb-kpi-body\">\n        <span class=\"sb-klbl\">Objectif mensuel<\/span>\n        <span class=\"sb-kval\" id=\"sb-target\">CHF 6'500 \/ mois<\/span>\n      <\/div>\n    <\/div>\n    <div class=\"sb-kpi sb-kpi-last\">\n      <div class=\"sb-kpi-ico\" style=\"background:#FDEAEA !important;\"><i class=\"fa-solid fa-chart-pie\" style=\"color:#C0392B !important;\"><\/i><\/div>\n      <div class=\"sb-kpi-body\">\n        <span class=\"sb-klbl\">Lacune mensuelle<\/span>\n        <span class=\"sb-kval red\" id=\"sb-gap\">CHF 1'980 \/ mois<\/span>\n      <\/div>\n    <\/div>\n\n    <div class=\"sb-footer\">\n      <i class=\"fa-solid fa-shield-halved\"><\/i> Donn\u00e9es confidentielles\n    <\/div>\n  <\/aside>\n\n  <\/div><!-- \/layout -->\n<\/div><!-- \/sim -->\n\n<script>\n(function(){\n'use strict';\n\nvar S={gender:null,age:null,retAge:65,salary:null,has13:true,employment:null,\n  avsYears:44,lppKnown:true,lppCapital:0,lppRente:0,vested:0,\n  p3aStock:0,p3aAnnual:0,p3bStock:0,p3bMonthly:0,profile:'equilibre',\n  canton:null,taxRate:0,targetRate:80};\nvar TG={'13':'oui','lpp':'oui'};\nvar CUR=1,TOTAL=9,projChart=null;\n\nvar TAX={AG:28,AI:18,AR:24,BE:33,BL:29,BS:32,FR:30,GE:40,GL:22,GR:25,JU:35,LU:24,NE:37,NW:18,OW:19,SG:26,SH:27,SO:29,SZ:19,TG:25,TI:30,UR:20,VD:38,VS:32,ZG:16,ZH:32};\nvar CN={AG:'Argovie',AI:'App. 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if(v>=44)el.innerHTML='Carri\u00e8re compl\u00e8te \u2014 rente <strong>sans r\u00e9duction<\/strong>';\n  else if(v>0){var p=Math.round((1-v\/44)*100);el.innerHTML='<strong>'+v+' ans<\/strong> cotis\u00e9s \u2014 rente r\u00e9duite d\\'environ <strong>'+p+'%<\/strong>';}\n  else el.textContent='';\n}\n\ndocument.addEventListener('click',function(e){\n  var c=e.target.closest('.choice[data-k]');\n  if(c){\n    var k=c.dataset.k,v=c.dataset.v;\n    var parent=c.closest('.cg2,.cg1');\n    if(parent)parent.querySelectorAll('.choice').forEach(function(x){x.classList.remove('sel');});\n    c.classList.add('sel');S[k]=v;\n    err('e1',false);err('e2c',false);\n    if(k==='gender')setTimeout(function(){nxt(1);},280);\n    updSidebar();return;\n  }\n  var p=e.target.closest('.ptile[data-prof]');\n  if(p){\n    document.querySelectorAll('.ptile').forEach(function(x){x.classList.remove('sel');});\n    p.classList.add('sel');S.profile=p.dataset.prof;updSidebar();return;\n  }\n  var dd=g('canton-dd');\n  if(dd&&!dd.contains(e.target)&&e.target!==g('f-canton'))dd.classList.remove('open');\n});\n\nvar cIn=g('f-canton'),cDd=g('canton-dd');\ncIn.addEventListener('input',function(){\n  var q=this.value.trim().toLowerCase();\n  if(!q){cDd.classList.remove('open');return;}\n  var res=Object.keys(CN).filter(function(k){return CN[k].toLowerCase().indexOf(q)>=0||k.toLowerCase().startsWith(q);});\n  if(!res.length){cDd.classList.remove('open');return;}\n  cDd.innerHTML=res.map(function(k){return'<div class=\"canton-opt\" onmousedown=\"event.preventDefault()\" onclick=\"selCanton(\\''+k+'\\')\"><span>'+CN[k]+'<\/span><span class=\"canton-code\">'+k+' \u00b7 ~'+TAX[k]+'%<\/span><\/div>';}).join('');\n  cDd.classList.add('open');\n});\nwindow.selCanton=function(c){\n  S.canton=c;S.taxRate=TAX[c]||30;\n  cIn.value=CN[c]+' ('+c+')';cDd.classList.remove('open');\n  var ok=g('canton-ok');if(ok)ok.style.display='flex';\n  var t=g('canton-ok-txt');if(t)t.textContent=CN[c]+' \u00b7 Taux marginal ~'+S.taxRate+'%';\n  err('e7',false);updSidebar();\n};\n\nwindow.onSlider=function(){\n  var v=parseInt(g('f-target').value);S.targetRate=v;\n  g('slider-pct').textContent=v+'%';\n  if(S.salary)g('slider-chf').textContent='soit CHF '+fmt(Math.round(S.salary*v\/100))+' \/ mois';\n  updateSliderFill();\n  updSidebar();\n};\n\nwindow.updPfx=function(){\n  var s=g('pfx-sel'),o=s.options[s.selectedIndex];\n  g('pfx-flag').textContent=o.getAttribute('data-f')||'';\n  g('pfx-code').textContent=' '+s.value;\n};\n\nfunction calcAVS(){\n  var ann=(S.salary||0)*12*(S.has13?13\/12:1),rent=1260;\n  for(var i=0;i<AVS_TBL.length;i++){if(ann<=AVS_TBL[i][0]){rent=AVS_TBL[i][1];break;}if(i===AVS_TBL.length-1)rent=2520;}\n  var ratio=Math.min(1,(S.avsYears||44)\/44);\n  var diff=(S.retAge||65)-65,adj=1;\n  if(diff<0)adj=Math.max(0.5,1-Math.abs(diff)*12*0.00567);\n  else if(diff>0){var sp=[0,0.052,0.108,0.171,0.240,0.315];adj=1+(sp[Math.min(5,diff)]||0.315);}\n  return Math.round(rent*ratio*adj);\n}\nfunction calcLPP(){\n  if(S.lppRente>0)return S.lppRente;\n  if(TG['lpp']==='oui'&&S.lppCapital>0){\n    var y=Math.max(0,(S.retAge||65)-(S.age||35));\n    return Math.round((S.lppCapital+(S.vested||0))*Math.pow(1.015,y)*0.068\/12);\n  }\n  \/\/ Estimation simplifi\u00e9e : rente LPP \u2248 40% du salaire brut mensuel\n  return Math.round((S.salary||0)*0.40);\n}\nfunction prj(ann,stk,r,y){var c=stk;for(var i=0;i<y;i++)c=c*(1+r)+ann;return Math.round(c);}\nfunction cap3a(){var r=RATES[S.profile]||0.035,y=Math.max(0,(S.retAge||65)-(S.age||35));return prj(S.p3aAnnual||0,S.p3aStock||0,r,y);}\nfunction cap3b(){var y=Math.max(0,(S.retAge||65)-(S.age||35)),c=(S.p3bStock||0)*Math.pow(1.01,y);if(y>0)c+=((S.p3bMonthly||0)*12)*((Math.pow(1.01,y)-1)\/0.01);return Math.round(c);}\n\nfunction updSidebar(){\n  var pct=Math.round((CUR-1)\/(TOTAL-1)*100);\n  var f=g('sb-fill');if(f)f.style.width=Math.max(4,pct)+'%';\n  var sl=g('sb-step-lbl');if(sl)sl.textContent='\u00c9tape '+Math.min(CUR,TOTAL)+' \/ '+TOTAL;\n  var sp=g('sb-pct');if(sp)sp.textContent=pct+'%';\n  function kv(id,txt,cls){var el=g(id);if(!el)return;el.textContent=txt;el.className='sb-kval'+(cls?' '+cls:'');}\n  if(S.gender&&S.age){kv('sb-profil',(S.gender==='homme'?'Homme':'Femme')+', '+S.age+' ans','');}\n  if(!S.salary||!S.age)return;\n  var avs=calcAVS(),lpp=calcLPP(),c3a=cap3a(),c3b=cap3b();\n  var dur=Math.max(1,(85-(S.retAge||65))*12);\n  var m3a=c3a>0?Math.round(c3a\/dur):0,m3b=c3b>0?Math.round(c3b\/dur):0;\n  var tot3=m3a+m3b,tot=avs+lpp+tot3;\n  var tgt=Math.round(S.salary*(S.targetRate\/100)),gap=Math.max(0,tgt-tot);\n  kv('sb-avs','CHF '+fmt(avs)+' \/ mois','');\n  kv('sb-lpp','CHF '+fmt(lpp)+' \/ mois','');\n  kv('sb-3p',tot3>0?'CHF '+fmt(tot3)+' \/ mois':'CHF 50\\'000','');\n  kv('sb-target',S.salary?'CHF '+fmt(tgt)+' \/ mois':'CHF 6\\'500 \/ mois','');\n  kv('sb-gap',gap>0?'CHF '+fmt(gap)+' \/ mois':'Aucune lacune',gap>0?'red':'green');\n}\n\nfunction valid(n){\n  if(n===1){if(!S.gender){err('e1',true);return false;}err('e1',false);return true;}\n  if(n===2){\n    var ok=true;\n    var a=parseInt(g('f-age').value);\n    if(!a||a<18||a>64){err('e2a',true);ok=false;}else{err('e2a',false);S.age=a;}\n    var r=parseInt(g('f-retage').value);\n    if(!r||r<63||r>70||(S.age&&r<=S.age)){err('e2b',true);ok=false;}else{err('e2b',false);S.retAge=r;}\n    if(!S.employment){err('e2c',true);ok=false;}else err('e2c',false);\n    return ok;\n  }\n  if(n===3){\n    var sal=parseFloat(g('f-salary').value);\n    if(!sal||sal<100){err('e3a',true);return false;}\n    err('e3a',false);S.salary=sal;S.has13=TG['13']==='oui';return true;\n  }\n  if(n===4){\n    var y=parseInt(g('f-avs-years').value);\n    if(!y||y<1||y>44){err('e4',true);return false;}\n    err('e4',false);S.avsYears=y;return true;\n  }\n  if(n===5){\n    S.lppKnown=TG['lpp']==='oui';\n    S.lppCapital=parseFloat(g('f-lpp-capital').value)||0;\n    S.lppRente=parseFloat(g('f-lpp-rente').value)||0;\n    S.vested=parseFloat(g('f-vested').value)||0;\n    return true;\n  }\n  if(n===6){\n    S.p3aStock=parseFloat(g('f-3a-stock').value)||0;\n    S.p3aAnnual=parseFloat(g('f-3a-annual').value)||0;\n    S.p3bStock=parseFloat(g('f-3b-stock').value)||0;\n    S.p3bMonthly=parseFloat(g('f-3b-monthly').value)||0;\n    var sel=document.querySelector('.ptile.sel');S.profile=sel?sel.dataset.prof:'equilibre';\n    return true;\n  }\n  if(n===7){if(!S.canton){err('e7',true);return false;}err('e7',false);return true;}\n  if(n===8){S.targetRate=parseInt(g('f-target').value)||80;return true;}\n  return true;\n}\n\nfunction buildResults(){\n  var avs=calcAVS(),lpp=calcLPP(),c3a=cap3a(),c3b=cap3b();\n  var dur=Math.max(1,(85-(S.retAge||65))*12);\n  var m3a=c3a>0?Math.round(c3a\/dur):0,m3b=c3b>0?Math.round(c3b\/dur):0;\n  var tot3=m3a+m3b,tot=avs+lpp+tot3;\n  var tgt=Math.round((S.salary||0)*(S.targetRate\/100)),gap=Math.max(0,tgt-tot);\n  var rate=S.salary?Math.round(tot\/S.salary*100):0;\n\n  g('res-rate').textContent=rate+'%';\n  g('res-sub').textContent='objectif : '+S.targetRate+'% de votre salaire';\n\n  var ab=g('res-alert');\n  if(gap>0){\n    ab.innerHTML='<div class=\"res-alert-gap\"><i class=\"fa-solid fa-triangle-exclamation\"><\/i><div><h3>Lacune de pr\u00e9voyance : CHF '+fmt(gap)+' \/ mois<\/h3><p>Il vous manque <strong>CHF '+fmt(gap*12)+' par an<\/strong> pour atteindre votre objectif de '+S.targetRate+'% de remplacement. Le 3e pilier est le principal levier pour combler cet \u00e9cart tout en r\u00e9duisant vos imp\u00f4ts.<\/p><\/div><\/div>';\n  } else {\n    ab.innerHTML='<div class=\"res-alert-ok\"><i class=\"fa-solid fa-circle-check\"><\/i><p><strong>Excellente nouvelle !<\/strong> Vos revenus estim\u00e9s couvrent votre objectif de '+S.targetRate+'% de remplacement. Un conseiller peut encore identifier des optimisations fiscales pour vous.<\/p><\/div>';\n  }\n\n  var pd=[\n    {ico:'fa-landmark',bg:'#E6EEF8',ic:'#0B1C4E',lbl:'AVS \u2014 1er pilier',amt:avs,sub:'Rente mensuelle'},\n    {ico:'fa-building-columns',bg:'#EDE8F5',ic:'#6B46C1',lbl:'LPP \u2014 2e pilier',amt:lpp,sub:'Rente mensuelle'},\n    {ico:'fa-piggy-bank',bg:'#E6F4EE',ic:'#0E8A5F',lbl:'3e pilier',amt:tot3,sub:'Capital CHF '+fmtK(c3a+c3b)}\n  ];\n  if(gap>0)pd.push({ico:'fa-circle-exclamation',bg:'#FDEAEA',ic:'#C0392B',lbl:'Lacune',amt:gap,sub:'\u00e0 combler \/ mois',gap:true});\n\n  var pr=g('res-pillars');\n  pr.style.gridTemplateColumns='repeat('+pd.length+',1fr)';\n  pr.innerHTML=pd.map(function(p){\n    return'<div class=\"pillar-card'+(p.gap?' gap-card':'')+'\"><div class=\"pc-ico\" style=\"background:'+p.bg+';\"><i class=\"fa-solid '+p.ico+'\" style=\"color:'+p.ic+';\"><\/i><\/div><span class=\"pc-name\">'+p.lbl+'<\/span><span class=\"pc-amt\">CHF '+fmt(p.amt)+'<\/span><span class=\"pc-sub\">'+p.sub+'<\/span><\/div>';\n  }).join('');\n\n  var bar=g('res-bar');\n  var segs=[{cl:'bs-avs',v:avs,l:'AVS '+fmt(avs)},{cl:'bs-lpp',v:lpp,l:'LPP '+fmt(lpp)},{cl:'bs-3p',v:tot3,l:'3P '+fmt(tot3)},{cl:'bs-gap',v:gap,l:'Lacune '+fmt(gap)}];\n  bar.innerHTML=segs.filter(function(s){return s.v>0;}).map(function(s){return'<div class=\"bseg '+s.cl+'\" style=\"flex:'+s.v+';\"><span>'+s.l+'<\/span><\/div>';}).join('');\n\n  g('rc-monthly').textContent='CHF '+fmt(tot)+' \/ mois';\n  g('rc-target').textContent='CHF '+fmt(tgt)+' \/ mois';\n  var rcg=g('rc-gap');rcg.textContent=gap>0?'CHF '+fmt(gap)+' \/ mois':'Aucune lacune';rcg.className='rr-val '+(gap>0?'red':'green');\n\n  var r=RATES[S.profile]||0.035,rp=Math.max(0.005,r-0.015),ro=r+0.015;\n  var yrs=Math.max(1,(S.retAge||65)-(S.age||35));\n  var labels=[],dp=[],dm=[],doo=[];\n  for(var i=0;i<=yrs;i++){labels.push(2026+i);dp.push(prj(S.p3aAnnual||0,S.p3aStock||0,rp,i));dm.push(prj(S.p3aAnnual||0,S.p3aStock||0,r,i));doo.push(prj(S.p3aAnnual||0,S.p3aStock||0,ro,i));}\n  if(projChart)projChart.destroy();\n  projChart=new Chart(g('proj-chart'),{type:'line',data:{labels:labels,datasets:[\n    {label:'Optimiste',data:doo,borderColor:'#0E8A5F',borderWidth:1.5,pointRadius:0,fill:false,tension:0.4},\n    {label:'Probable',data:dm,borderColor:'#6B46C1',borderWidth:2.5,pointRadius:0,fill:false,tension:0.4},\n    {label:'Pessimiste',data:dp,borderColor:'#0B1C4E',borderWidth:1.5,pointRadius:0,fill:false,tension:0.4}\n  ]},options:{responsive:true,maintainAspectRatio:false,animation:{duration:800},plugins:{legend:{display:false},tooltip:{callbacks:{label:function(ctx){return ctx.dataset.label+': CHF '+fmt(ctx.raw);}}}},scales:{x:{display:true,ticks:{maxTicksLimit:6,font:{size:10},color:'#8A93A6'},grid:{display:false}},y:{display:true,ticks:{callback:function(v){return 'CHF '+fmtK(v);},font:{size:10},color:'#8A93A6'},grid:{color:'#F3F4F6'}}}}});\n\n  g('sc-p').textContent='CHF '+fmtK(prj(S.p3aAnnual||0,S.p3aStock||0,rp,yrs));\n  g('sc-m').textContent='CHF '+fmtK(prj(S.p3aAnnual||0,S.p3aStock||0,r,yrs));\n  g('sc-o').textContent='CHF '+fmtK(prj(S.p3aAnnual||0,S.p3aStock||0,ro,yrs));\n  g('sc-pr').textContent=(rp*100).toFixed(1)+'% \/ an';\n  g('sc-mr').textContent=(r*100).toFixed(1)+'% \/ an';\n  g('sc-or').textContent=(ro*100).toFixed(1)+'% \/ an';\n\n  g('lf-sal').textContent='CHF '+fmt(S.salary||0);\n  var lfc=g('lf-can');if(lfc)lfc.textContent=S.canton?CN[S.canton]:'Non renseign\u00e9';\n  var lfg=g('lf-gap');if(lfg){lfg.textContent=gap>0?'CHF '+fmt(gap)+' \/ mois':'Aucune lacune';lfg.className='rr-val '+(gap>0?'red':'green');}\n\n  updSidebar();\n}\n\nwindow.ix3Sub=function(){\n  var fn=g('lf-fn').value.trim(),ln=g('lf-ln').value.trim(),em=g('lf-em').value.trim(),ph=g('lf-ph').value.trim();\n  var pfx=g('pfx-code').textContent.trim();\n  var addr=g('lf-addr').value.trim(),zip=g('lf-zip').value.trim(),city=g('lf-city').value.trim();\n  var errEl=g('lf-err');errEl.classList.remove('on');\n  if(!fn||!ln){errEl.textContent='Pr\u00e9nom et nom requis.';errEl.classList.add('on');return;}\n  if(!\/^[^\\s@]+@[^\\s@]+\\.[^\\s@]+$\/.test(em)){errEl.textContent='Adresse e-mail invalide.';errEl.classList.add('on');return;}\n  if(!ph||ph.replace(\/\\D\/g,'').length<6){errEl.textContent='Num\u00e9ro de t\u00e9l\u00e9phone invalide.';errEl.classList.add('on');return;}\n  var btn=g('sub-btn');btn.classList.add('is-loading');\n\n  var avs=calcAVS(),lpp=calcLPP(),c3a=cap3a(),c3b=cap3b();\n  var dur=Math.max(1,(85-(S.retAge||65))*12);\n  var m3a=c3a>0?Math.round(c3a\/dur):0,m3b=c3b>0?Math.round(c3b\/dur):0;\n  var tot3=m3a+m3b,tot=avs+lpp+tot3;\n  var tgt=Math.round((S.salary||0)*(S.targetRate\/100)),gap=Math.max(0,tgt-tot);\n  var rate=S.salary?Math.round(tot\/S.salary*100):0;\n\n  var hsPayload={submittedAt:String(Date.now()),fields:[\n    {objectTypeId:'0-1',name:'email',value:em},\n    {objectTypeId:'0-1',name:'firstname',value:fn},\n    {objectTypeId:'0-1',name:'lastname',value:ln},\n    {objectTypeId:'0-1',name:'phone',value:pfx+' '+ph},\n    {objectTypeId:'0-1',name:'address',value:addr+(zip?' '+zip:'')+(city?' '+city:'')},\n    {objectTypeId:'0-1',name:'zip',value:zip},\n    {objectTypeId:'0-1',name:'city',value:city},\n    {objectTypeId:'0-1',name:'state',value:S.canton?CN[S.canton]:''},\n    {objectTypeId:'0-1',name:'gender',value:S.gender||''},\n    {objectTypeId:'0-1',name:'chemployed',value:S.employment||''},\n    {objectTypeId:'0-1',name:'salary',value:S.salary?String(S.salary):'non renseign\u00e9'},\n    {objectTypeId:'0-1',name:'has_13th',value:S.has13?'oui':'non'},\n    {objectTypeId:'0-1',name:'ret_age',value:String(S.retAge||65)},\n    {objectTypeId:'0-1',name:'avs_years',value:String(S.avsYears||44)},\n    {objectTypeId:'0-1',name:'lpp_capital',value:S.lppCapital?String(S.lppCapital):'non renseign\u00e9'},\n    {objectTypeId:'0-1',name:'lpp_rente',value:S.lppRente?String(S.lppRente):'non renseign\u00e9'},\n    {objectTypeId:'0-1',name:'lpp_vested',value:S.vested?String(S.vested):'0'},\n    {objectTypeId:'0-1',name:'p3a_stock',value:S.p3aStock?String(S.p3aStock):'0'},\n    {objectTypeId:'0-1',name:'p3a_annual',value:S.p3aAnnual?String(S.p3aAnnual):'0'},\n    {objectTypeId:'0-1',name:'p3b_stock',value:S.p3bStock?String(S.p3bStock):'0'},\n    {objectTypeId:'0-1',name:'p3b_monthly',value:S.p3bMonthly?String(S.p3bMonthly):'0'},\n    {objectTypeId:'0-1',name:'pillar3a_existing',value:S.p3aStock>0?'oui':'non'},\n    {objectTypeId:'0-1',name:'pillar3a_monthly_savings',value:String(Math.round((S.p3aAnnual||0)\/12))},\n    {objectTypeId:'0-1',name:'pillar3a_goals',value:'retraite'},\n    {objectTypeId:'0-1',name:'pillar3a_profile',value:S.profile||'equilibre'},\n    {objectTypeId:'0-1',name:'pillar3a_tax_rate',value:String(S.taxRate||0)},\n    {objectTypeId:'0-1',name:'target_rate',value:String(S.targetRate||80)},\n    {objectTypeId:'0-1',name:'date_of_birth',value:S.age?String(new Date((2026-S.age)+'-01-01').getTime()):''},\n    {objectTypeId:'0-1',name:'result_avs_monthly',value:String(avs)},\n    {objectTypeId:'0-1',name:'result_lpp_monthly',value:String(lpp)},\n    {objectTypeId:'0-1',name:'result_3p_monthly',value:String(tot3)},\n    {objectTypeId:'0-1',name:'result_total_monthly',value:String(tot)},\n    {objectTypeId:'0-1',name:'result_target_monthly',value:String(tgt)},\n    {objectTypeId:'0-1',name:'result_gap_monthly',value:String(gap)},\n    {objectTypeId:'0-1',name:'result_replacement_rate',value:String(rate)},\n    {objectTypeId:'0-1',name:'hs_lead_status',value:'NEW'}\n  ],context:{hutk:(document.cookie.match(\/(^| )hubspotutk=([^;]+)\/)||[])[2]||'',pageUri:window.location.href,pageName:'Simulateur Retraite Suisse'},\n  legalConsentOptions:{consent:{consentToProcess:true,text:\"J'accepte qu'Invexa S\u00e0rl me contacte pour mon bilan retraite.\"}}};\n\n  var wpPayload={\n    firstname:fn,lastname:ln,email:em,phone:pfx+' '+ph,\n    address:addr,zip:zip,city:city,\n    canton:S.canton||'',canton_name:S.canton?CN[S.canton]:'',\n    gender:S.gender||'',age:S.age||0,ret_age:S.retAge||65,\n    employment:S.employment||'',salary:S.salary||0,has_13th:S.has13?1:0,\n    avs_years:S.avsYears||0,avs_rente:avs,\n    lpp_capital:S.lppCapital||0,lpp_rente:lpp,lpp_vested:S.vested||0,\n    p3a_stock:S.p3aStock||0,p3a_annual:S.p3aAnnual||0,\n    p3b_stock:S.p3bStock||0,p3b_monthly:S.p3bMonthly||0,\n    investor_profile:S.profile||'equilibre',\n    tax_rate:S.taxRate||0,target_rate:S.targetRate||80,\n    result_avs_monthly:avs,result_lpp_monthly:lpp,\n    result_3p_monthly:tot3,result_total_monthly:tot,\n    result_target_monthly:tgt,result_gap_monthly:gap,\n    result_replacement_rate:rate,\n    page_url:window.location.href\n  };\n\n  var hsReq=fetch('https:\/\/api-eu1.hsforms.com\/submissions\/v3\/integration\/submit\/'+HS_P+'\/'+HS_F,{method:'POST',headers:{'Content-Type':'application\/json'},body:JSON.stringify(hsPayload)}).then(function(r){return r.json();}).then(function(d){console.log('[HubSpot response]',JSON.stringify(d));}).catch(function(e){console.error('[HubSpot error]',e);});\n  var wpReq=fetch('https:\/\/comparatif-3eme-pilier.ch\/wp-json\/invexa\/v1\/save-lead',{method:'POST',headers:{'Content-Type':'application\/json'},body:JSON.stringify(wpPayload)}).catch(function(){});\n\n  Promise.all([hsReq,wpReq]).finally(function(){btn.classList.remove('is-loading');goTo(10);});\n}\nupdateSliderFill();\n})();\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1ed3aeb elementor-widget elementor-widget-heading\" data-id=\"1ed3aeb\" 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 calculer sa retraite en Suisse ? Comprendre le syst\u00e8me des 3 piliers<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aa7950a elementor-widget elementor-widget-heading\" data-id=\"aa7950a\" 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. Le 1er pilier (AVS) : La pr\u00e9voyance d'\u00c9tat<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2a04944 elementor-widget elementor-widget-text-editor\" data-id=\"2a04944\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>L&rsquo;<a href=\"http:\/\/invexa.swiss\/avs-rentes-montants-cotisations\/\">Assurance-Vieillesse et Survivants (AVS)<\/a> vise \u00e0 couvrir les besoins vitaux de base. Son montant d\u00e9pend du nombre d&rsquo;ann\u00e9es de cotisation effectu\u00e9es et de votre revenu annuel moyen d\u00e9terminant.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b5cd9ce elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"b5cd9ce\" 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>Rente minimale :<\/strong> CHF 1'260 par mois (pour une dur\u00e9e de cotisation compl\u00e8te).<\/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>Rente maximale :<\/strong> CHF 2'520 par mois pour une personne seule.<\/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>Plafond pour couple mari\u00e9 :<\/strong> CHF 3'780 par mois (plafonn\u00e9 \u00e0 150 % de la rente maximale).<\/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-3a6bd70 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"3a6bd70\" 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\"><strong>Avertissement :<\/strong> Chaque ann\u00e9e de cotisation manquante (lacune AVS) entra\u00eene une r\u00e9duction d\u00e9finitive de votre rente d'environ 2,3 %.<\/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-9da768e elementor-widget elementor-widget-heading\" data-id=\"9da768e\" 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. Le 2e pilier (LPP) : La pr\u00e9voyance professionnelle<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9616ba9 elementor-widget elementor-widget-text-editor\" data-id=\"9616ba9\" 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>La <a href=\"http:\/\/invexa.swiss\/2eme-pilier\/\">caisse de pension<\/a> vient compl\u00e9ter l&rsquo;AVS afin de maintenir votre niveau de vie ant\u00e9rieur. Les cotisations sont pr\u00e9lev\u00e9es directement sur votre salaire et pay\u00e9es \u00e0 parts \u00e9gales par vous et votre employeur.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-273f762 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"273f762\" 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>Capital accumul\u00e9 :<\/strong> Il s'agit de la somme globale vers\u00e9e sur votre compte LPP tout au long de votre carri\u00e8re, augment\u00e9e des int\u00e9r\u00eats.<\/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>Rente LPP annuelle :<\/strong> Elle s'obtient en multipliant votre capital LPP au moment du d\u00e9part par le taux de conversion (le taux l\u00e9gal minimal est de 6,8 % pour la part obligatoire).<\/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-177ea3c elementor-widget elementor-widget-heading\" data-id=\"177ea3c\" 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 3e pilier (3a \/ 3b) : La pr\u00e9voyance priv\u00e9e<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b59e7fc elementor-widget elementor-widget-text-editor\" data-id=\"b59e7fc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>L&rsquo;\u00e9pargne priv\u00e9e (<a href=\"http:\/\/invexa.swiss\/pilier-3a\/\">pilier 3a<\/a> et <a href=\"http:\/\/invexa.swiss\/pilier-3b\/\">pilier 3b<\/a>) est le levier individuel indispensable pour combler l&rsquo;\u00e9cart entre vos rentes (AVS + LPP) et votre dernier salaire.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-43fc824 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"43fc824\" 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>3e pilier li\u00e9 (3a) :<\/strong> \u00c9pargne d\u00e9ductible des imp\u00f4ts. Le plafond annuel s'\u00e9l\u00e8ve \u00e0 CHF 7'258 pour les salari\u00e9s rattach\u00e9s \u00e0 une caisse de pension, et jusqu'\u00e0 CHF 36'288 (max. 20 % du revenu net) pour les ind\u00e9pendants sans 2e pilier.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>3e pilier libre (3b) :<\/strong> \u00c9pargne flexible non plafonn\u00e9e (comptes bancaires, assurances-vie, investissements).<\/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-831bba7 elementor-widget elementor-widget-heading\" data-id=\"831bba7\" 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\">La formule globale du calcul de retraite<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5fd96a3 elementor-widget elementor-widget-html\" data-id=\"5fd96a3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"Table\",\n  \"name\": \"Composition du revenu \u00e0 la retraite en Suisse \u2014 les 3 piliers\",\n  \"description\": \"R\u00e9partition du revenu \u00e0 la retraite en Suisse selon les trois piliers : AVS, LPP et 3\u00e8me pilier, avec l'objectif de couvrir 70 \u00e0 80 % du dernier salaire.\",\n  \"keywords\": [\"revenu retraite suisse 3 piliers\", \"composition retraite AVS LPP 3a\", \"lacune pr\u00e9voyance suisse\", \"objectif revenu retraite suisse\"]\n}\n<\/script>\n<div class=\"t\">\n  <table style=\"table-layout:fixed;\">\n    <colgroup>\n      <col style=\"width:20%;\">\n      <col style=\"width:25%;\">\n      <col style=\"width:55%;\">\n    <\/colgroup>\n    <caption style=\"display:none\">Composition du revenu \u00e0 la retraite en Suisse \u2014 AVS, LPP et 3\u00e8me pilier<\/caption>\n    <thead>\n      <tr>\n        <th scope=\"col\">Composante<\/th>\n        <th scope=\"col\">Source<\/th>\n        <th scope=\"col\">Objectif<\/th>\n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr>\n        <td>Rente AVS<\/td>\n        <td data-label=\"Source\">\u00c9tat (1er pilier)<\/td>\n        <td data-label=\"Objectif\">Couvrir le minimum vital<\/td>\n      <\/tr>\n      <tr>\n        <td>+ Rente LPP<\/td>\n        <td data-label=\"Source\">Employeur (2\u00e8me pilier)<\/td>\n        <td data-label=\"Objectif\">Maintenir le niveau de vie habituel<\/td>\n      <\/tr>\n      <tr>\n        <td>+ Capital 3\u00e8me pilier<\/td>\n        <td data-label=\"Source\">\u00c9pargne priv\u00e9e (3a\/3b)<\/td>\n        <td data-label=\"Objectif\">Combler la lacune de pr\u00e9voyance<\/td>\n      <\/tr>\n      <tr>\n        <td>= Revenu total \u00e0 la retraite<\/td>\n        <td data-label=\"Source\">Total des 3 piliers<\/td>\n        <td data-label=\"Objectif\"><span class=\"frais-low\">Cible : 70 % \u00e0 80 % du dernier salaire<\/span><\/td>\n      <\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d06564e elementor-widget elementor-widget-heading\" data-id=\"d06564e\" 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\">R\u00e9duire sa lacune de pr\u00e9voyance et anticiper sa retraite<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8db32d4 elementor-widget elementor-widget-text-editor\" data-id=\"8db32d4\" 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>Anticiper son d\u00e9part ou combler un manque \u00e0 gagner \u00e0 sa <a href=\"https:\/\/invexa.swiss\/retraite-suisse\/\">retraite suisse<\/a> demande de conna\u00eetre les leviers d&rsquo;action \u00e0 votre disposition. Que vous visiez un d\u00e9part \u00e0 63 ans ou simplement un maintien optimal de votre niveau de vie, deux param\u00e8tres sont d\u00e9terminants.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2137313 elementor-widget elementor-widget-heading\" data-id=\"2137313\" 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\">La formule globale du calcul de retraite<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-454df0d elementor-widget elementor-widget-text-editor\" data-id=\"454df0d\" 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>La lacune de pr\u00e9voyance correspond \u00e0 l&rsquo;\u00e9cart entre le revenu souhait\u00e9 \u00e0 la retraite (en g\u00e9n\u00e9ral <strong>70 % \u00e0 80 % de votre dernier salaire brut<\/strong>) et le total r\u00e9el vers\u00e9 par vos 1er et 2e piliers.<\/p><p>Cette baisse de revenu s&rsquo;explique par plusieurs facteurs fr\u00e9quents :<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-71558c6 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"71558c6\" 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\">Des interruptions de carri\u00e8re (\u00e9tudes prolong\u00e9es, cong\u00e9 parental, ch\u00f4mage).<\/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\">Une arriv\u00e9e tardive en Suisse ou des ann\u00e9es travaill\u00e9es \u00e0 l'\u00e9tranger.<\/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\">Un travail \u00e0 temps partiel ou des augmentations de salaire non couvertes r\u00e9troactivement.<\/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-acc4b4a elementor-widget elementor-widget-heading\" data-id=\"acc4b4a\" 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\">Simulation et calcul de retraite anticip\u00e9e en Suisse<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-54b46e6 elementor-widget elementor-widget-text-editor\" data-id=\"54b46e6\" 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>Partir \u00e0 la retraite avant l&rsquo;<a href=\"https:\/\/invexa.swiss\/age-de-la-retraite-en-suisse\/\">\u00e2ge de r\u00e9f\u00e9rence<\/a> de 65 ans (fix\u00e9 par la r\u00e9forme AVS 21) a un impact financier direct sur vos deux premiers piliers :<\/p><p><strong>1. La r\u00e9duction de la rente AVS<\/strong><\/p><p>Il est possible d&rsquo;<a href=\"http:\/\/invexa.swiss\/retraite-anticipee-suisse\/\">anticiper sa rente AVS<\/a> entre 1 mois et 2 ans (d\u00e8s 63 ans). En contrepartie, la rente subit une r\u00e9duction viag\u00e8re (d\u00e9finitive) :<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7fb9be2 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"7fb9be2\" 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>1 an d'anticipation :<\/strong> baisse de 6,8 %<\/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>2 ans d'anticipation :<\/strong> baisse de 13,6 %.<\/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-2c6e158 elementor-widget elementor-widget-text-editor\" data-id=\"2c6e158\" 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>2. La baisse du capital et du taux de conversion LPP<\/strong><\/p><p>En partant plus t\u00f4t, vous stoppez pr\u00e9matur\u00e9ment vos cotisations et r\u00e9duisez la dur\u00e9e de capitalisation de votre 2e pilier. De plus, les caisses de pension appliquent un taux de conversion plus bas pour recalculer la rente d&rsquo;un d\u00e9part anticip\u00e9.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-836ba2b elementor-widget elementor-widget-heading\" data-id=\"836ba2b\" 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\">Fiscalit\u00e9 &amp; imp\u00f4t sur les retraits<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-466c919 elementor-widget elementor-widget-text-editor\" data-id=\"466c919\" 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>Fiscalit\u00e9 de la retraite : quel imp\u00f4t sur vos retraits de capital ?<\/strong><\/p><p>En Suisse, le retrait du capital de votre 2e et 3e pilier est impos\u00e9 s\u00e9par\u00e9ment des autres revenus \u00e0 un taux r\u00e9duit privil\u00e9gi\u00e9. Le montant exact de l&rsquo;imp\u00f4t varie fortement selon votre canton de r\u00e9sidence et le montant total retir\u00e9.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0e96ce2 elementor-widget elementor-widget-button\" data-id=\"0e96ce2\" 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\/pilier-3a\/\">\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 l'imp\u00f4t sur les prestations en capital<\/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-98805c1 elementor-widget elementor-widget-heading\" data-id=\"98805c1\" 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\">\u00c9chelonnement des retraits en capital<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6e42505 elementor-widget elementor-widget-text-editor\" data-id=\"6e42505\" 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>L&rsquo;\u00e9chelonnement du 3e pilier pour r\u00e9duire la charge fiscale<\/strong><\/p><p>Pour \u00e9viter de subir la progressivit\u00e9 de l&rsquo;imp\u00f4t lors du retrait de vos avoirs 3a et LPP, il est fortement conseill\u00e9 d&rsquo;\u00e9taler la fermeture de vos comptes sur plusieurs ann\u00e9es (jusqu&rsquo;\u00e0 5 ans avant l&rsquo;\u00e2ge officiel).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d1e48f7 elementor-widget elementor-widget-heading\" data-id=\"d1e48f7\" 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\">Frontaliers &amp; expatri\u00e9s<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7f70127 elementor-widget elementor-widget-text-editor\" data-id=\"7f70127\" 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>Vous \u00eates frontalier ou vous avez travaill\u00e9 \u00e0 l&rsquo;\u00e9tranger ?<\/strong><\/p><p>Le calcul de la <a href=\"https:\/\/invexa.swiss\/retraite-frontaliers-suisse\/\">retraite suisse pour les r\u00e9sidents en France<\/a> (ou hors de Suisse) r\u00e9pond \u00e0 des conventions de double imposition et \u00e0 des r\u00e8gles d&rsquo;exportation de rentes sp\u00e9cifiques (notamment pour l&rsquo;AVS et le retrait du capital LPP).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5b8d40e elementor-widget elementor-widget-heading\" data-id=\"5b8d40e\" 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\">Choix LPP : Capital ou rente ?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f60ffc7 elementor-widget elementor-widget-text-editor\" data-id=\"f60ffc7\" 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>2e pilier : Faut-il choisir la rente ou le retrait en capital ?<\/strong><\/p><p>Lors de votre d\u00e9part \u00e0 la retraite, vous devrez d\u00e9cider s&rsquo;il vaut mieux toucher une <a href=\"https:\/\/invexa.swiss\/rente-viagere\/\">rente viag\u00e8re<\/a> mensuelle, retirer la totalit\u00e9 de votre capital LPP, ou opter pour une solution mixte. La d\u00e9cision d\u00e9pend de votre sant\u00e9, de vos h\u00e9ritiers et de votre tol\u00e9rance au risque.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dea7dfd elementor-widget elementor-widget-button\" data-id=\"dea7dfd\" 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-ou-capital-lpp-2eme-pilier\/\">\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\">Comparatif complet : Rente ou capital LPP, quelle option choisir ?<\/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-4d7b5b0 elementor-widget elementor-widget-heading\" data-id=\"4d7b5b0\" 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\">Rachats LPP (2e pilier)<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b6dda10 elementor-widget elementor-widget-text-editor\" data-id=\"b6dda10\" 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>Combler ses lacunes avec des rachats dans la caisse de pension<\/strong><\/p><p>Injecter du capital sous forme de rachat volontaire dans votre 2e pilier permet de d\u00e9duire 100 % du montant vers\u00e9 de votre revenu imposable tout en augmentant vos prestations futures.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b47f0c8 elementor-widget elementor-widget-button\" data-id=\"b47f0c8\" 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\/rachat-2eme-pilier\/\">\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\">D\u00e9couvrez comment optimiser votre pr\u00e9voyance gr\u00e2ce aux rachats LPP<\/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-b228c48 elementor-widget elementor-widget-heading\" data-id=\"b228c48\" 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\">Les 3 leviers pour combler l'\u00e9cart financier<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-257aaaf elementor-widget elementor-widget-text-editor\" data-id=\"257aaaf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tPour compenser une retraite anticip\u00e9e ou r\u00e9sorber une lacune de pr\u00e9voyance, trois solutions principales existent :\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-370676a elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"370676a\" 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>Maximiser les versements sur le 3e pilier 3a :<\/strong> Alimenter chaque ann\u00e9e votre compte jusqu'au plafond l\u00e9gal (CHF 7'258) permet de constituer un capital d\u00e9di\u00e9 tout en r\u00e9duisant imm\u00e9diatement votre charge fiscale annuelle. Proc\u00e9dez \u00e0 des rachats d\u00e8s 2026 si vous n'avez pas vers\u00e9 le maximum en 2025.<\/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 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291.515625 -178.347656 282.671875 -162.390625 C 273.828125 -146.429688 261.804688 -131.816406 246.609375 -118.546875 C 231.421875 -105.273438 214.5 -93.351562 195.84375 -82.78125 C 177.195312 -72.207031 158.066406 -63.171875 138.453125 -55.671875 C 118.835938 -48.171875 99.992188 -42.304688 81.921875 -38.078125 L 81.921875 -34.03125 L 205.953125 -34.03125 C 230.566406 -34.03125 250.945312 -38.164062 267.09375 -46.4375 C 283.25 -54.707031 292.484375 -69.421875 294.796875 -90.578125 L 302.296875 -90.578125 L 294.796875 0 Z M 4.609375 0 \"><\/path><\/g><\/g><\/g><\/g><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Effectuer des rachats LPP (2e pilier) :<\/strong> Si vous avez des lacunes dans votre caisse de pension, injecter du capital sous forme de rachat volontaire est int\u00e9gralement d\u00e9ductible de votre revenu imposable et augmente directement vos prestations futures.<\/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 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39.09375 241.007812 26.285156 252.8125 10.109375 C 264.613281 -6.066406 270.515625 -24.4375 270.515625 -45 C 270.515625 -75 260.316406 -99.097656 239.921875 -117.296875 C 219.523438 -135.503906 191.460938 -145.28125 155.734375 -146.625 C 148.992188 -143.257812 141.914062 -141.578125 134.5 -141.578125 C 130.445312 -141.578125 126.820312 -142.503906 123.625 -144.359375 C 120.425781 -146.210938 118.828125 -149.160156 118.828125 -153.203125 C 118.828125 -156.910156 120.425781 -159.773438 123.625 -161.796875 C 126.820312 -163.816406 130.445312 -164.828125 134.5 -164.828125 C 139.21875 -164.828125 144.269531 -164.148438 149.65625 -162.796875 C 155.050781 -161.453125 160.28125 -159.265625 165.34375 -156.234375 C 183.207031 -158.929688 198.207031 -165.757812 210.34375 -176.71875 C 222.476562 -187.675781 228.546875 -200.738281 228.546875 -215.90625 C 228.546875 -233.09375 222.222656 -246.65625 209.578125 -256.59375 C 196.941406 -266.539062 179.160156 -271.515625 156.234375 -271.515625 C 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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>Mettre en place une rente pont :<\/strong> Utiliser un capital priv\u00e9 (3e pilier 3b ou \u00e9pargne libre) pour financer la p\u00e9riode de transition entre la fin de votre activit\u00e9 professionnelle et l'acc\u00e8s \u00e0 vos rentes officielles.<\/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-825dcf0 elementor-widget elementor-widget-heading\" data-id=\"825dcf0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Questions fr\u00e9quentes<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d28dab5 elementor-widget elementor-widget-n-accordion\" data-id=\"d28dab5\" 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-2200\" 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-2200\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Comment calculer sa retraite 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-2200\" class=\"elementor-element elementor-element-0603a46 e-con-full e-flex e-con e-child\" data-id=\"0603a46\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b94e8a2 elementor-widget elementor-widget-text-editor\" data-id=\"b94e8a2\" 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 s&rsquo;effectue en additionnant les prestations estim\u00e9es de vos trois piliers : la rente d&rsquo;\u00c9tat (<strong>AVS<\/strong>), la rente ou le capital de votre caisse de pension (<strong>LPP<\/strong>) et l&rsquo;\u00e9pargne accumul\u00e9e sur votre <a href=\"http:\/\/invexa.swiss\/3eme-pilier\/\">pr\u00e9voyance priv\u00e9e (3e pilier)<\/a>. Notre simulateur prend en compte votre \u00e2ge, votre canton, votre salaire et vos avoirs actuels pour projeter votre revenu futur et identifier votre lacune de pr\u00e9voyance.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2201\" 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-2201\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Quel est le montant maximal de la rente AVS ? <\/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-2201\" class=\"elementor-element elementor-element-77d1894 e-con-full e-flex e-con e-child\" data-id=\"77d1894\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-098c7bb elementor-widget elementor-widget-text-editor\" data-id=\"098c7bb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Pour une personne seule disposant d&rsquo;une dur\u00e9e de cotisation compl\u00e8te (44 ans sans lacune), la rente AVS individuelle s&rsquo;\u00e9l\u00e8ve \u00e0 <strong>CHF 2&rsquo;520 par mois<\/strong> (CHF 30&rsquo;240 par an). La rente minimale est de <strong>CHF 1&rsquo;260 par mois<\/strong>. Pour un couple mari\u00e9, le total des deux rentes individuelles est plafonn\u00e9 \u00e0 150 % de la rente maximale, soit <strong>CHF 3&rsquo;780 par mois<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2202\" 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-2202\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> \u00c0 quel \u00e2ge peut-on partir \u00e0 la retraite 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-2202\" class=\"elementor-element elementor-element-6f83742 e-con-full e-flex e-con e-child\" data-id=\"6f83742\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fdcc66b elementor-widget elementor-widget-text-editor\" data-id=\"fdcc66b\" 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>Suite \u00e0 l&rsquo;entr\u00e9e en vigueur de la r\u00e9forme AVS 21, l&rsquo;\u00e2ge de r\u00e9f\u00e9rence l\u00e9gal est fix\u00e9 \u00e0 <strong>65 ans<\/strong> pour les hommes et les femmes. Un d\u00e9part anticip\u00e9 est possible d\u00e8s <strong>63 ans<\/strong>, mais il entra\u00eene une baisse d\u00e9finitive de vos rentes. \u00c0 l&rsquo;inverse, vous pouvez ajourner le versement de votre rente AVS jusqu&rsquo;\u00e0 <strong>70 ans<\/strong>, ce qui g\u00e9n\u00e8re un suppl\u00e9ment viager sur votre rente (de +5,2 % \u00e0 +31,5 %).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2203\" 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-2203\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Quel est l'impact d'une retraite anticip\u00e9e sur mes rentes ? <\/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-2203\" class=\"elementor-element elementor-element-a6f772a e-con-full e-flex e-con e-child\" data-id=\"a6f772a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3c09539 elementor-widget elementor-widget-text-editor\" data-id=\"3c09539\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tUn d\u00e9part \u00e0 la retraite anticip\u00e9e a un double impact financier :\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e3fc124 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"e3fc124\" 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>Sur l'AVS :<\/strong> Anticiper le versement de 1 \u00e0 2 ans r\u00e9duit votre rente de fa\u00e7on d\u00e9finitive (entre 3,4 % et 13,6 % selon les cas).<\/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>Sur la LPP :<\/strong> Vous accumulez moins de capital, manquez des ann\u00e9es d'int\u00e9r\u00eats, et la caisse de pension applique un taux de conversion plus faible.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2204\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2204\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Combien peut-on verser sur le pilier 3a ? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M34.9 289.5l-22.2-22.2c-9.4-9.4-9.4-24.6 0-33.9L207 39c9.4-9.4 24.6-9.4 33.9 0l194.3 194.3c9.4 9.4 9.4 24.6 0 33.9L413 289.4c-9.5 9.5-25 9.3-34.3-.4L264 168.6V456c0 13.3-10.7 24-24 24h-32c-13.3 0-24-10.7-24-24V168.6L69.2 289.1c-9.3 9.8-24.8 10-34.3.4z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M413.1 222.5l22.2 22.2c9.4 9.4 9.4 24.6 0 33.9L241 473c-9.4 9.4-24.6 9.4-33.9 0L12.7 278.6c-9.4-9.4-9.4-24.6 0-33.9l22.2-22.2c9.5-9.5 25-9.3 34.3.4L184 343.4V56c0-13.3 10.7-24 24-24h32c13.3 0 24 10.7 24 24v287.4l114.8-120.5c9.3-9.8 24.8-10 34.3-.4z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2204\" class=\"elementor-element elementor-element-84316d5 e-con-full e-flex e-con e-child\" data-id=\"84316d5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1c71077 elementor-widget elementor-widget-text-editor\" data-id=\"1c71077\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tLe plafond l\u00e9gal de versement sur le 3e pilier 3a d\u00e9pend de votre statut professionnel :\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7ee1498 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"7ee1498\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Salari\u00e9 affili\u00e9 \u00e0 une caisse de pension (LPP) :<\/strong> CHF 7'258 par an.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Ind\u00e9pendant sans caisse de pension :<\/strong> Jusqu'\u00e0 20 % du revenu net de l'ind\u00e9pendant, plafonn\u00e9 \u00e0 CHF 36'288 par an.<\/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-4228007 elementor-widget elementor-widget-text-editor\" data-id=\"4228007\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>L&rsquo;ensemble de ces versements est int\u00e9gralement d\u00e9ductible de votre revenu imposable.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2205\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"6\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2205\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Qu'est-ce que le taux de conversion LPP ? <\/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-2205\" class=\"elementor-element elementor-element-6d25f56 e-con-full e-flex e-con e-child\" data-id=\"6d25f56\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-651c5ac elementor-widget elementor-widget-text-editor\" data-id=\"651c5ac\" 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 taux de conversion est le pourcentage utilis\u00e9 par votre caisse de pension pour transformer le capital accumul\u00e9 durant votre vie active en rente annuelle viag\u00e8re. Le taux l\u00e9gal minimal pour la part obligatoire LPP est de <strong>6,8 %<\/strong>. Par exemple, un capital LPP de CHF 400&rsquo;000 converti \u00e0 6,8 % donne une rente annuelle de <strong>CHF 27&rsquo;200<\/strong> (soit CHF 2&rsquo;266 par mois).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2206\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"7\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2206\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Les r\u00e9sultats fournis par le simulateur sont-ils exacts ? <\/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-2206\" class=\"elementor-element elementor-element-859b398 e-con-full e-flex e-con e-child\" data-id=\"859b398\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0957097 elementor-widget elementor-widget-text-editor\" data-id=\"0957097\" 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 simulateur fournit une estimation indicative calcul\u00e9e sur la base de la l\u00e9gislation suisse en vigueur et des rentes AVS maximales issues de l&rsquo;<a href=\"http:\/\/invexa.swiss\/echelle-44\/\">\u00e9chelle de rentes 44<\/a> (dur\u00e9e de cotisation compl\u00e8te sans lacune). Les montants d\u00e9finitifs d\u00e9pendent de vos d\u00e9comptes officiels d&rsquo;avoirs (extrait de compte individuel AVS et certificat de caisse de pension LPP) au moment de votre d\u00e9part effectif.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Comment calculer sa retraite en Suisse ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Le calcul s&rsquo;effectue en additionnant les prestations estim\\u00e9es de vos trois piliers : la rente d&rsquo;\\u00c9tat (AVS), la rente ou le capital de votre caisse de pension (LPP) et l&rsquo;\\u00e9pargne accumul\\u00e9e sur votre pr\\u00e9voyance priv\\u00e9e (3e pilier). Notre simulateur prend en compte votre \\u00e2ge, votre canton, votre salaire et vos avoirs actuels pour projeter votre revenu futur et identifier votre lacune de pr\\u00e9voyance.\"}},{\"@type\":\"Question\",\"name\":\"Quel est le montant maximal de la rente AVS ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Pour une personne seule disposant d&rsquo;une dur\\u00e9e de cotisation compl\\u00e8te (44 ans sans lacune), la rente AVS individuelle s&rsquo;\\u00e9l\\u00e8ve \\u00e0 CHF 2&rsquo;520 par mois (CHF 30&rsquo;240 par an). La rente minimale est de CHF 1&rsquo;260 par mois. Pour un couple mari\\u00e9, le total des deux rentes individuelles est plafonn\\u00e9 \\u00e0 150 % de la rente maximale, soit CHF 3&rsquo;780 par mois.\"}},{\"@type\":\"Question\",\"name\":\"\\u00c0 quel \\u00e2ge peut-on partir \\u00e0 la retraite en Suisse ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Suite \\u00e0 l&rsquo;entr\\u00e9e en vigueur de la r\\u00e9forme AVS 21, l&rsquo;\\u00e2ge de r\\u00e9f\\u00e9rence l\\u00e9gal est fix\\u00e9 \\u00e0 65 ans pour les hommes et les femmes. Un d\\u00e9part anticip\\u00e9 est possible d\\u00e8s 63 ans, mais il entra\\u00eene une baisse d\\u00e9finitive de vos rentes. \\u00c0 l&rsquo;inverse, vous pouvez ajourner le versement de votre rente AVS jusqu&rsquo;\\u00e0 70 ans, ce qui g\\u00e9n\\u00e8re un suppl\\u00e9ment viager sur votre rente (de +5,2 % \\u00e0 +31,5 %).\"}},{\"@type\":\"Question\",\"name\":\"Quel est l'impact d'une retraite anticip\\u00e9e sur mes rentes ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Un d\\u00e9part \\u00e0 la retraite anticip\\u00e9e a un double impact financier :\\t\\t\\t\\t\\t\\t\\t\\t\\n\\t\\t\\t\\t\\n\\t\\t\\t\\t\\t\\t\\t\\n\\t\\t\\t\\t\\t\\t\\t\\n\\t\\t\\t\\t\\t\\t\\t\\t\\t\\t\\t\\n\\t\\t\\t\\t\\t\\t\\t\\t\\t\\t\\t\\t\\t\\n\\t\\t\\t\\t\\t\\t\\t\\t\\t\\tSur l'AVS : Anticiper le versement de 1 \\u00e0 2 ans r\\u00e9duit votre rente de fa\\u00e7on d\\u00e9finitive (entre 3,4 % et 13,6 % selon les cas).\\n\\t\\t\\t\\t\\t\\t\\t\\t\\t\\n\\t\\t\\t\\t\\t\\t\\t\\t\\n\\t\\t\\t\\t\\t\\t\\t\\t\\t\\t\\t\\n\\t\\t\\t\\t\\t\\t\\t\\t\\t\\t\\t\\t\\t\\n\\t\\t\\t\\t\\t\\t\\t\\t\\t\\tSur la LPP : Vous accumulez moins de capital, manquez des ann\\u00e9es d'int\\u00e9r\\u00eats, et la caisse de pension applique un taux de conversion plus faible.\"}},{\"@type\":\"Question\",\"name\":\"Combien peut-on verser sur le pilier 3a ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Le plafond l\\u00e9gal de versement sur le 3e pilier 3a d\\u00e9pend de votre statut professionnel :\\t\\t\\t\\t\\t\\t\\t\\t\\n\\t\\t\\t\\t\\n\\t\\t\\t\\t\\t\\t\\t\\n\\t\\t\\t\\t\\t\\t\\t\\n\\t\\t\\t\\t\\t\\t\\t\\t\\t\\t\\t\\n\\t\\t\\t\\t\\t\\t\\t\\t\\t\\t\\t\\t\\t\\n\\t\\t\\t\\t\\t\\t\\t\\t\\t\\tSalari\\u00e9 affili\\u00e9 \\u00e0 une caisse de pension (LPP) : CHF 7'258 par an.\\n\\t\\t\\t\\t\\t\\t\\t\\t\\t\\n\\t\\t\\t\\t\\t\\t\\t\\t\\n\\t\\t\\t\\t\\t\\t\\t\\t\\t\\t\\t\\n\\t\\t\\t\\t\\t\\t\\t\\t\\t\\t\\t\\t\\t\\n\\t\\t\\t\\t\\t\\t\\t\\t\\t\\tInd\\u00e9pendant sans caisse de pension : Jusqu'\\u00e0 20 % du revenu net de l'ind\\u00e9pendant, plafonn\\u00e9 \\u00e0 CHF 36'288 par an.\\n\\t\\t\\t\\t\\t\\t\\t\\t\\t\\n\\t\\t\\t\\t\\t\\t\\n\\t\\t\\t\\t\\t\\t\\n\\t\\t\\t\\t\\n\\t\\t\\t\\t\\t\\t\\t\\t\\tL&rsquo;ensemble de ces versements est int\\u00e9gralement d\\u00e9ductible de votre revenu imposable.\"}},{\"@type\":\"Question\",\"name\":\"Qu'est-ce que le taux de conversion LPP ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Le taux de conversion est le pourcentage utilis\\u00e9 par votre caisse de pension pour transformer le capital accumul\\u00e9 durant votre vie active en rente annuelle viag\\u00e8re. Le taux l\\u00e9gal minimal pour la part obligatoire LPP est de 6,8 %. Par exemple, un capital LPP de CHF 400&rsquo;000 converti \\u00e0 6,8 % donne une rente annuelle de CHF 27&rsquo;200 (soit CHF 2&rsquo;266 par mois).\"}},{\"@type\":\"Question\",\"name\":\"Les r\\u00e9sultats fournis par le simulateur sont-ils exacts ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Le simulateur fournit une estimation indicative calcul\\u00e9e sur la base de la l\\u00e9gislation suisse en vigueur et des rentes AVS maximales issues de l&rsquo;\\u00e9chelle de rentes 44 (dur\\u00e9e de cotisation compl\\u00e8te sans lacune). Les montants d\\u00e9finitifs d\\u00e9pendent de vos d\\u00e9comptes officiels d&rsquo;avoirs (extrait de compte individuel AVS et certificat de caisse de pension LPP) au moment de votre d\\u00e9part effectif.\"}}]}<\/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>Estimez vos rentes futures, simulez l&rsquo;impact d&rsquo;une retraite anticip\u00e9e et identifiez votre lacune de pr\u00e9voyance en quelques clics.<\/p>","protected":false},"author":1,"featured_media":1308,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[21],"tags":[12,10,13,14,25,22],"class_list":["post-274","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-retraite","tag-2eme-pilier","tag-3a","tag-3eme-pilier","tag-avs","tag-calculateur","tag-lpp"],"_links":{"self":[{"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/posts\/274","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=274"}],"version-history":[{"count":21,"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/posts\/274\/revisions"}],"predecessor-version":[{"id":2247,"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/posts\/274\/revisions\/2247"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/media\/1308"}],"wp:attachment":[{"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/media?parent=274"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/categories?post=274"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/tags?post=274"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}