{"id":293,"date":"2026-07-28T09:41:35","date_gmt":"2026-07-28T09:41:35","guid":{"rendered":"https:\/\/invexa.swiss\/?p=293"},"modified":"2026-09-15T09:55:13","modified_gmt":"2026-09-15T09:55:13","slug":"life-annuity","status":"publish","type":"post","link":"https:\/\/invexa.swiss\/en\/rente-viagere\/","title":{"rendered":"Life Annuity in Switzerland: Good or Bad Idea in 2026?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"293\" class=\"elementor elementor-293\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a8f97db e-flex e-con-boxed e-con e-parent\" data-id=\"a8f97db\" 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-6c642bb e-con-full e-flex e-con e-child\" data-id=\"6c642bb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-a12a199 e-con-full e-flex e-con e-child\" data-id=\"a12a199\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9aae21b elementor-widget elementor-widget-heading\" data-id=\"9aae21b\" 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 rente viag\u00e8re en bref<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-221df98 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"221df98\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"500\" zoomAndPan=\"magnify\" viewBox=\"0 0 375 374.999991\" height=\"500\" preserveAspectRatio=\"xMidYMid meet\"><defs><clipPath id=\"5bc1e4b2e8\"><path d=\"M 0 163 L 162.230469 163 L 162.230469 187.609375 L 0 187.609375 Z M 0 163 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"1ae224ed11\"><path d=\"M 187 0 L 212 0 L 212 162.722656 L 187 162.722656 Z M 187 0 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"bd96533006\"><path d=\"M 212.089844 187.441406 L 375 187.441406 L 375 212.488281 L 212.089844 212.488281 Z M 212.089844 187.441406 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"dd846df1dc\"><path d=\"M 162.230469 212.601562 L 187.125 212.601562 L 187.125 375 L 162.230469 375 Z M 162.230469 212.601562 \" clip-rule=\"nonzero\"><\/path><\/clipPath><\/defs><g clip-path=\"url(#5bc1e4b2e8)\"><path fill=\"#071659\" d=\"M 162.09375 187.609375 L -1.410156 187.609375 L 144.605469 163.078125 L 156.71875 180.050781 Z M 162.09375 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 187.125 162.398438 L 187.125 162.589844 L 186.996094 162.503906 Z M 187.125 162.398438 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 212.148438 187.609375 L 211.984375 187.609375 L 212.066406 187.472656 Z M 212.148438 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 162.289062 187.609375 L 162.183594 187.730469 L 162.09375 187.609375 Z M 162.289062 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 187.246094 212.722656 L 187.125 212.8125 L 187.125 212.617188 Z M 187.246094 212.722656 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><g clip-path=\"url(#1ae224ed11)\"><path fill=\"#071659\" d=\"M 211.589844 144.605469 L 194.347656 157.152344 L 187.125 162.398438 L 187.125 -0.828125 Z M 211.589844 144.605469 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 214.265625 160.496094 L 213.769531 160.417969 L 214.175781 160.011719 Z M 214.265625 160.496094 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><g clip-path=\"url(#bd96533006)\"><path fill=\"#071659\" d=\"M 375.65625 187.609375 L 229.636719 212.132812 L 217.53125 195.152344 L 212.148438 187.609375 Z M 375.65625 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 212.148438 187.609375 L 211.984375 187.609375 L 212.066406 187.472656 Z M 212.148438 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.246094 212.722656 L 187.125 212.8125 L 187.125 212.617188 Z M 187.246094 212.722656 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 162.289062 187.609375 L 162.183594 187.730469 L 162.09375 187.609375 Z M 162.289062 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 187.125 162.398438 L 187.125 162.589844 L 186.996094 162.503906 Z M 187.125 162.398438 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.125 162.589844 L 187.125 187.609375 L 100.144531 100.675781 L 162.585938 145.109375 L 179.566406 157.214844 L 186.996094 162.503906 Z M 187.125 162.589844 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 212.148438 187.609375 L 211.984375 187.609375 L 212.066406 187.472656 Z M 212.148438 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 162.289062 187.609375 L 162.183594 187.730469 L 162.09375 187.609375 Z M 162.289062 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 273.183594 99.761719 L 229.121094 162.996094 L 217.488281 179.6875 L 212.066406 187.472656 L 211.984375 187.609375 L 187.125 187.609375 L 201.558594 172.875 L 213.769531 160.417969 L 214.265625 160.496094 L 214.175781 160.011719 Z M 273.183594 99.761719 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 274.113281 274.558594 L 211.660156 230.101562 L 194.679688 217.996094 L 187.246094 212.722656 L 187.125 212.617188 L 187.125 187.609375 Z M 274.113281 274.558594 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><g clip-path=\"url(#dd846df1dc)\"><path fill=\"#071659\" d=\"M 187.125 212.8125 L 187.125 376.039062 L 162.675781 230.613281 L 179.90625 218.058594 Z M 187.125 212.8125 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 187.246094 212.722656 L 187.125 212.8125 L 187.125 212.617188 Z M 187.246094 212.722656 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 214.265625 160.496094 L 213.769531 160.417969 L 214.175781 160.011719 Z M 214.265625 160.496094 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.125 187.609375 L 172.6875 202.351562 L 160.492188 214.800781 L 160.089844 215.214844 L 101.066406 275.449219 L 145.144531 212.230469 L 156.78125 195.523438 L 162.183594 187.730469 L 162.289062 187.609375 Z M 187.125 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Le principe :<\/strong> La rente viag\u00e8re du 3e pilier libre (3b) garantit un revenu r\u00e9gulier \u00e0 vie pour se prot\u00e9ger du risque de long\u00e9vit\u00e9.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"500\" zoomAndPan=\"magnify\" viewBox=\"0 0 375 374.999991\" height=\"500\" preserveAspectRatio=\"xMidYMid meet\"><defs><clipPath id=\"5bc1e4b2e8\"><path d=\"M 0 163 L 162.230469 163 L 162.230469 187.609375 L 0 187.609375 Z M 0 163 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"1ae224ed11\"><path d=\"M 187 0 L 212 0 L 212 162.722656 L 187 162.722656 Z M 187 0 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"bd96533006\"><path d=\"M 212.089844 187.441406 L 375 187.441406 L 375 212.488281 L 212.089844 212.488281 Z M 212.089844 187.441406 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"dd846df1dc\"><path d=\"M 162.230469 212.601562 L 187.125 212.601562 L 187.125 375 L 162.230469 375 Z M 162.230469 212.601562 \" clip-rule=\"nonzero\"><\/path><\/clipPath><\/defs><g clip-path=\"url(#5bc1e4b2e8)\"><path fill=\"#071659\" d=\"M 162.09375 187.609375 L -1.410156 187.609375 L 144.605469 163.078125 L 156.71875 180.050781 Z M 162.09375 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 187.125 162.398438 L 187.125 162.589844 L 186.996094 162.503906 Z M 187.125 162.398438 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 212.148438 187.609375 L 211.984375 187.609375 L 212.066406 187.472656 Z M 212.148438 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 162.289062 187.609375 L 162.183594 187.730469 L 162.09375 187.609375 Z M 162.289062 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 187.246094 212.722656 L 187.125 212.8125 L 187.125 212.617188 Z M 187.246094 212.722656 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><g clip-path=\"url(#1ae224ed11)\"><path fill=\"#071659\" d=\"M 211.589844 144.605469 L 194.347656 157.152344 L 187.125 162.398438 L 187.125 -0.828125 Z M 211.589844 144.605469 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 214.265625 160.496094 L 213.769531 160.417969 L 214.175781 160.011719 Z M 214.265625 160.496094 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><g clip-path=\"url(#bd96533006)\"><path fill=\"#071659\" d=\"M 375.65625 187.609375 L 229.636719 212.132812 L 217.53125 195.152344 L 212.148438 187.609375 Z M 375.65625 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 212.148438 187.609375 L 211.984375 187.609375 L 212.066406 187.472656 Z M 212.148438 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.246094 212.722656 L 187.125 212.8125 L 187.125 212.617188 Z M 187.246094 212.722656 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 162.289062 187.609375 L 162.183594 187.730469 L 162.09375 187.609375 Z M 162.289062 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 187.125 162.398438 L 187.125 162.589844 L 186.996094 162.503906 Z M 187.125 162.398438 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.125 162.589844 L 187.125 187.609375 L 100.144531 100.675781 L 162.585938 145.109375 L 179.566406 157.214844 L 186.996094 162.503906 Z M 187.125 162.589844 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 212.148438 187.609375 L 211.984375 187.609375 L 212.066406 187.472656 Z M 212.148438 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 162.289062 187.609375 L 162.183594 187.730469 L 162.09375 187.609375 Z M 162.289062 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 273.183594 99.761719 L 229.121094 162.996094 L 217.488281 179.6875 L 212.066406 187.472656 L 211.984375 187.609375 L 187.125 187.609375 L 201.558594 172.875 L 213.769531 160.417969 L 214.265625 160.496094 L 214.175781 160.011719 Z M 273.183594 99.761719 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 274.113281 274.558594 L 211.660156 230.101562 L 194.679688 217.996094 L 187.246094 212.722656 L 187.125 212.617188 L 187.125 187.609375 Z M 274.113281 274.558594 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><g clip-path=\"url(#dd846df1dc)\"><path fill=\"#071659\" d=\"M 187.125 212.8125 L 187.125 376.039062 L 162.675781 230.613281 L 179.90625 218.058594 Z M 187.125 212.8125 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 187.246094 212.722656 L 187.125 212.8125 L 187.125 212.617188 Z M 187.246094 212.722656 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 214.265625 160.496094 L 213.769531 160.417969 L 214.175781 160.011719 Z M 214.265625 160.496094 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.125 187.609375 L 172.6875 202.351562 L 160.492188 214.800781 L 160.089844 215.214844 L 101.066406 275.449219 L 145.144531 212.230469 L 156.78125 195.523438 L 162.183594 187.730469 L 162.289062 187.609375 Z M 187.125 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Nouvelle fiscalit\u00e9 (post-2025) :<\/strong> L'ancien forfait de 40 % est remplac\u00e9 par une part de rendement imposable flexible index\u00e9e sur les taux d'int\u00e9r\u00eat au moment de la signature du contrat. La majorit\u00e9 de la rente correspond au remboursement net de votre capital (non imposable).<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"500\" zoomAndPan=\"magnify\" viewBox=\"0 0 375 374.999991\" height=\"500\" preserveAspectRatio=\"xMidYMid meet\"><defs><clipPath id=\"5bc1e4b2e8\"><path d=\"M 0 163 L 162.230469 163 L 162.230469 187.609375 L 0 187.609375 Z M 0 163 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"1ae224ed11\"><path d=\"M 187 0 L 212 0 L 212 162.722656 L 187 162.722656 Z M 187 0 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"bd96533006\"><path d=\"M 212.089844 187.441406 L 375 187.441406 L 375 212.488281 L 212.089844 212.488281 Z M 212.089844 187.441406 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"dd846df1dc\"><path d=\"M 162.230469 212.601562 L 187.125 212.601562 L 187.125 375 L 162.230469 375 Z M 162.230469 212.601562 \" clip-rule=\"nonzero\"><\/path><\/clipPath><\/defs><g clip-path=\"url(#5bc1e4b2e8)\"><path fill=\"#071659\" d=\"M 162.09375 187.609375 L -1.410156 187.609375 L 144.605469 163.078125 L 156.71875 180.050781 Z M 162.09375 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 187.125 162.398438 L 187.125 162.589844 L 186.996094 162.503906 Z M 187.125 162.398438 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 212.148438 187.609375 L 211.984375 187.609375 L 212.066406 187.472656 Z M 212.148438 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 162.289062 187.609375 L 162.183594 187.730469 L 162.09375 187.609375 Z M 162.289062 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 187.246094 212.722656 L 187.125 212.8125 L 187.125 212.617188 Z M 187.246094 212.722656 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><g clip-path=\"url(#1ae224ed11)\"><path fill=\"#071659\" d=\"M 211.589844 144.605469 L 194.347656 157.152344 L 187.125 162.398438 L 187.125 -0.828125 Z M 211.589844 144.605469 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 214.265625 160.496094 L 213.769531 160.417969 L 214.175781 160.011719 Z M 214.265625 160.496094 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><g clip-path=\"url(#bd96533006)\"><path fill=\"#071659\" d=\"M 375.65625 187.609375 L 229.636719 212.132812 L 217.53125 195.152344 L 212.148438 187.609375 Z M 375.65625 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 212.148438 187.609375 L 211.984375 187.609375 L 212.066406 187.472656 Z M 212.148438 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.246094 212.722656 L 187.125 212.8125 L 187.125 212.617188 Z M 187.246094 212.722656 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 162.289062 187.609375 L 162.183594 187.730469 L 162.09375 187.609375 Z M 162.289062 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 187.125 162.398438 L 187.125 162.589844 L 186.996094 162.503906 Z M 187.125 162.398438 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.125 162.589844 L 187.125 187.609375 L 100.144531 100.675781 L 162.585938 145.109375 L 179.566406 157.214844 L 186.996094 162.503906 Z M 187.125 162.589844 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 212.148438 187.609375 L 211.984375 187.609375 L 212.066406 187.472656 Z M 212.148438 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 162.289062 187.609375 L 162.183594 187.730469 L 162.09375 187.609375 Z M 162.289062 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 273.183594 99.761719 L 229.121094 162.996094 L 217.488281 179.6875 L 212.066406 187.472656 L 211.984375 187.609375 L 187.125 187.609375 L 201.558594 172.875 L 213.769531 160.417969 L 214.265625 160.496094 L 214.175781 160.011719 Z M 273.183594 99.761719 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 274.113281 274.558594 L 211.660156 230.101562 L 194.679688 217.996094 L 187.246094 212.722656 L 187.125 212.617188 L 187.125 187.609375 Z M 274.113281 274.558594 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><g clip-path=\"url(#dd846df1dc)\"><path fill=\"#071659\" d=\"M 187.125 212.8125 L 187.125 376.039062 L 162.675781 230.613281 L 179.90625 218.058594 Z M 187.125 212.8125 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 187.246094 212.722656 L 187.125 212.8125 L 187.125 212.617188 Z M 187.246094 212.722656 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 214.265625 160.496094 L 213.769531 160.417969 L 214.175781 160.011719 Z M 214.265625 160.496094 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.125 187.609375 L 172.6875 202.351562 L 160.492188 214.800781 L 160.089844 215.214844 L 101.066406 275.449219 L 145.144531 212.230469 L 156.78125 195.523438 L 162.183594 187.730469 L 162.289062 187.609375 Z M 187.125 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Droit de timbre<\/strong> : une taxe d'entr\u00e9e de <strong>2,5 %<\/strong> s'applique sur les primes uniques vers\u00e9es, repr\u00e9sentant un co\u00fbt imm\u00e9diat souvent ignor\u00e9<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"500\" zoomAndPan=\"magnify\" viewBox=\"0 0 375 374.999991\" height=\"500\" preserveAspectRatio=\"xMidYMid meet\"><defs><clipPath id=\"5bc1e4b2e8\"><path d=\"M 0 163 L 162.230469 163 L 162.230469 187.609375 L 0 187.609375 Z M 0 163 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"1ae224ed11\"><path d=\"M 187 0 L 212 0 L 212 162.722656 L 187 162.722656 Z M 187 0 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"bd96533006\"><path d=\"M 212.089844 187.441406 L 375 187.441406 L 375 212.488281 L 212.089844 212.488281 Z M 212.089844 187.441406 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"dd846df1dc\"><path d=\"M 162.230469 212.601562 L 187.125 212.601562 L 187.125 375 L 162.230469 375 Z M 162.230469 212.601562 \" clip-rule=\"nonzero\"><\/path><\/clipPath><\/defs><g clip-path=\"url(#5bc1e4b2e8)\"><path fill=\"#071659\" d=\"M 162.09375 187.609375 L -1.410156 187.609375 L 144.605469 163.078125 L 156.71875 180.050781 Z M 162.09375 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 187.125 162.398438 L 187.125 162.589844 L 186.996094 162.503906 Z M 187.125 162.398438 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 212.148438 187.609375 L 211.984375 187.609375 L 212.066406 187.472656 Z M 212.148438 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 162.289062 187.609375 L 162.183594 187.730469 L 162.09375 187.609375 Z M 162.289062 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 187.246094 212.722656 L 187.125 212.8125 L 187.125 212.617188 Z M 187.246094 212.722656 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><g clip-path=\"url(#1ae224ed11)\"><path fill=\"#071659\" d=\"M 211.589844 144.605469 L 194.347656 157.152344 L 187.125 162.398438 L 187.125 -0.828125 Z M 211.589844 144.605469 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 214.265625 160.496094 L 213.769531 160.417969 L 214.175781 160.011719 Z M 214.265625 160.496094 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><g clip-path=\"url(#bd96533006)\"><path fill=\"#071659\" d=\"M 375.65625 187.609375 L 229.636719 212.132812 L 217.53125 195.152344 L 212.148438 187.609375 Z M 375.65625 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 212.148438 187.609375 L 211.984375 187.609375 L 212.066406 187.472656 Z M 212.148438 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.246094 212.722656 L 187.125 212.8125 L 187.125 212.617188 Z M 187.246094 212.722656 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 162.289062 187.609375 L 162.183594 187.730469 L 162.09375 187.609375 Z M 162.289062 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 187.125 162.398438 L 187.125 162.589844 L 186.996094 162.503906 Z M 187.125 162.398438 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.125 162.589844 L 187.125 187.609375 L 100.144531 100.675781 L 162.585938 145.109375 L 179.566406 157.214844 L 186.996094 162.503906 Z M 187.125 162.589844 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 212.148438 187.609375 L 211.984375 187.609375 L 212.066406 187.472656 Z M 212.148438 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 162.289062 187.609375 L 162.183594 187.730469 L 162.09375 187.609375 Z M 162.289062 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 273.183594 99.761719 L 229.121094 162.996094 L 217.488281 179.6875 L 212.066406 187.472656 L 211.984375 187.609375 L 187.125 187.609375 L 201.558594 172.875 L 213.769531 160.417969 L 214.265625 160.496094 L 214.175781 160.011719 Z M 273.183594 99.761719 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 274.113281 274.558594 L 211.660156 230.101562 L 194.679688 217.996094 L 187.246094 212.722656 L 187.125 212.617188 L 187.125 187.609375 Z M 274.113281 274.558594 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><g clip-path=\"url(#dd846df1dc)\"><path fill=\"#071659\" d=\"M 187.125 212.8125 L 187.125 376.039062 L 162.675781 230.613281 L 179.90625 218.058594 Z M 187.125 212.8125 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 187.246094 212.722656 L 187.125 212.8125 L 187.125 212.617188 Z M 187.246094 212.722656 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 214.265625 160.496094 L 213.769531 160.417969 L 214.175781 160.011719 Z M 214.265625 160.496094 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.125 187.609375 L 172.6875 202.351562 L 160.492188 214.800781 L 160.089844 215.214844 L 101.066406 275.449219 L 145.144531 212.230469 L 156.78125 195.523438 L 162.183594 187.730469 L 162.289062 187.609375 Z M 187.125 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Ses limites :<\/strong> Ali\u00e9nation du capital, aucun ajustement face \u00e0 l'inflation et flexibilit\u00e9 quasi nulle.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"500\" zoomAndPan=\"magnify\" viewBox=\"0 0 375 374.999991\" height=\"500\" preserveAspectRatio=\"xMidYMid meet\"><defs><clipPath id=\"5bc1e4b2e8\"><path d=\"M 0 163 L 162.230469 163 L 162.230469 187.609375 L 0 187.609375 Z M 0 163 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"1ae224ed11\"><path d=\"M 187 0 L 212 0 L 212 162.722656 L 187 162.722656 Z M 187 0 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"bd96533006\"><path d=\"M 212.089844 187.441406 L 375 187.441406 L 375 212.488281 L 212.089844 212.488281 Z M 212.089844 187.441406 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"dd846df1dc\"><path d=\"M 162.230469 212.601562 L 187.125 212.601562 L 187.125 375 L 162.230469 375 Z M 162.230469 212.601562 \" clip-rule=\"nonzero\"><\/path><\/clipPath><\/defs><g clip-path=\"url(#5bc1e4b2e8)\"><path fill=\"#071659\" d=\"M 162.09375 187.609375 L -1.410156 187.609375 L 144.605469 163.078125 L 156.71875 180.050781 Z M 162.09375 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 187.125 162.398438 L 187.125 162.589844 L 186.996094 162.503906 Z M 187.125 162.398438 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 212.148438 187.609375 L 211.984375 187.609375 L 212.066406 187.472656 Z M 212.148438 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 162.289062 187.609375 L 162.183594 187.730469 L 162.09375 187.609375 Z M 162.289062 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 187.246094 212.722656 L 187.125 212.8125 L 187.125 212.617188 Z M 187.246094 212.722656 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><g clip-path=\"url(#1ae224ed11)\"><path fill=\"#071659\" d=\"M 211.589844 144.605469 L 194.347656 157.152344 L 187.125 162.398438 L 187.125 -0.828125 Z M 211.589844 144.605469 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 214.265625 160.496094 L 213.769531 160.417969 L 214.175781 160.011719 Z M 214.265625 160.496094 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><g clip-path=\"url(#bd96533006)\"><path fill=\"#071659\" d=\"M 375.65625 187.609375 L 229.636719 212.132812 L 217.53125 195.152344 L 212.148438 187.609375 Z M 375.65625 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 212.148438 187.609375 L 211.984375 187.609375 L 212.066406 187.472656 Z M 212.148438 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.246094 212.722656 L 187.125 212.8125 L 187.125 212.617188 Z M 187.246094 212.722656 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 162.289062 187.609375 L 162.183594 187.730469 L 162.09375 187.609375 Z M 162.289062 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 187.125 162.398438 L 187.125 162.589844 L 186.996094 162.503906 Z M 187.125 162.398438 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.125 162.589844 L 187.125 187.609375 L 100.144531 100.675781 L 162.585938 145.109375 L 179.566406 157.214844 L 186.996094 162.503906 Z M 187.125 162.589844 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 212.148438 187.609375 L 211.984375 187.609375 L 212.066406 187.472656 Z M 212.148438 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 162.289062 187.609375 L 162.183594 187.730469 L 162.09375 187.609375 Z M 162.289062 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 273.183594 99.761719 L 229.121094 162.996094 L 217.488281 179.6875 L 212.066406 187.472656 L 211.984375 187.609375 L 187.125 187.609375 L 201.558594 172.875 L 213.769531 160.417969 L 214.265625 160.496094 L 214.175781 160.011719 Z M 273.183594 99.761719 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 274.113281 274.558594 L 211.660156 230.101562 L 194.679688 217.996094 L 187.246094 212.722656 L 187.125 212.617188 L 187.125 187.609375 Z M 274.113281 274.558594 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><g clip-path=\"url(#dd846df1dc)\"><path fill=\"#071659\" d=\"M 187.125 212.8125 L 187.125 376.039062 L 162.675781 230.613281 L 179.90625 218.058594 Z M 187.125 212.8125 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 187.246094 212.722656 L 187.125 212.8125 L 187.125 212.617188 Z M 187.246094 212.722656 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 214.265625 160.496094 L 213.769531 160.417969 L 214.175781 160.011719 Z M 214.265625 160.496094 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.125 187.609375 L 172.6875 202.351562 L 160.492188 214.800781 L 160.089844 215.214844 L 101.066406 275.449219 L 145.144531 212.230469 L 156.78125 195.523438 L 162.183594 187.730469 L 162.289062 187.609375 Z M 187.125 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Alternatives plus rentables<\/strong> : la SCPI, le Plan de revenus, la Rente certaine, et le Plan de retrait \u00e9chelonn\u00e9.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dd712d1 elementor-widget elementor-widget-heading\" data-id=\"dd712d1\" 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\">Qu'est-ce qu'une rente viag\u00e8re et comment fonctionne-t-elle en Suisse ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-767fa6d elementor-widget elementor-widget-text-editor\" data-id=\"767fa6d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-path-to-node=\"4\">La rente viag\u00e8re est un contrat de pr\u00e9voyance par lequel vous verser un capital unique \u00e0 une compagnie d&rsquo;assurances en \u00e9change d&rsquo;un <b data-path-to-node=\"4\" data-index-in-node=\"132\">revenu garanti vers\u00e9 de mani\u00e8re r\u00e9guli\u00e8re jusqu&rsquo;\u00e0 la fin de votre vie<\/b>.<\/p><p data-path-to-node=\"5\">En Suisse, ce m\u00e9canisme rel\u00e8ve principalement de la pr\u00e9voyance libre (<a href=\"http:\/\/invexa.swiss\/pilier-3b\/\">Pilier 3b<\/a>). Il existe deux formes principales :<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-39c2fc9 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"39c2fc9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"500\" zoomAndPan=\"magnify\" viewBox=\"0 0 375 374.999991\" height=\"500\" preserveAspectRatio=\"xMidYMid meet\"><defs><clipPath id=\"5bc1e4b2e8\"><path d=\"M 0 163 L 162.230469 163 L 162.230469 187.609375 L 0 187.609375 Z M 0 163 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"1ae224ed11\"><path d=\"M 187 0 L 212 0 L 212 162.722656 L 187 162.722656 Z M 187 0 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"bd96533006\"><path d=\"M 212.089844 187.441406 L 375 187.441406 L 375 212.488281 L 212.089844 212.488281 Z M 212.089844 187.441406 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"dd846df1dc\"><path d=\"M 162.230469 212.601562 L 187.125 212.601562 L 187.125 375 L 162.230469 375 Z M 162.230469 212.601562 \" clip-rule=\"nonzero\"><\/path><\/clipPath><\/defs><g clip-path=\"url(#5bc1e4b2e8)\"><path fill=\"#071659\" d=\"M 162.09375 187.609375 L -1.410156 187.609375 L 144.605469 163.078125 L 156.71875 180.050781 Z M 162.09375 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 187.125 162.398438 L 187.125 162.589844 L 186.996094 162.503906 Z M 187.125 162.398438 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 212.148438 187.609375 L 211.984375 187.609375 L 212.066406 187.472656 Z M 212.148438 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 162.289062 187.609375 L 162.183594 187.730469 L 162.09375 187.609375 Z M 162.289062 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 187.246094 212.722656 L 187.125 212.8125 L 187.125 212.617188 Z M 187.246094 212.722656 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><g clip-path=\"url(#1ae224ed11)\"><path fill=\"#071659\" d=\"M 211.589844 144.605469 L 194.347656 157.152344 L 187.125 162.398438 L 187.125 -0.828125 Z M 211.589844 144.605469 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 214.265625 160.496094 L 213.769531 160.417969 L 214.175781 160.011719 Z M 214.265625 160.496094 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><g clip-path=\"url(#bd96533006)\"><path fill=\"#071659\" d=\"M 375.65625 187.609375 L 229.636719 212.132812 L 217.53125 195.152344 L 212.148438 187.609375 Z M 375.65625 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 212.148438 187.609375 L 211.984375 187.609375 L 212.066406 187.472656 Z M 212.148438 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.246094 212.722656 L 187.125 212.8125 L 187.125 212.617188 Z M 187.246094 212.722656 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 162.289062 187.609375 L 162.183594 187.730469 L 162.09375 187.609375 Z M 162.289062 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 187.125 162.398438 L 187.125 162.589844 L 186.996094 162.503906 Z M 187.125 162.398438 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.125 162.589844 L 187.125 187.609375 L 100.144531 100.675781 L 162.585938 145.109375 L 179.566406 157.214844 L 186.996094 162.503906 Z M 187.125 162.589844 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 212.148438 187.609375 L 211.984375 187.609375 L 212.066406 187.472656 Z M 212.148438 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 162.289062 187.609375 L 162.183594 187.730469 L 162.09375 187.609375 Z M 162.289062 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 273.183594 99.761719 L 229.121094 162.996094 L 217.488281 179.6875 L 212.066406 187.472656 L 211.984375 187.609375 L 187.125 187.609375 L 201.558594 172.875 L 213.769531 160.417969 L 214.265625 160.496094 L 214.175781 160.011719 Z M 273.183594 99.761719 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 274.113281 274.558594 L 211.660156 230.101562 L 194.679688 217.996094 L 187.246094 212.722656 L 187.125 212.617188 L 187.125 187.609375 Z M 274.113281 274.558594 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><g clip-path=\"url(#dd846df1dc)\"><path fill=\"#071659\" d=\"M 187.125 212.8125 L 187.125 376.039062 L 162.675781 230.613281 L 179.90625 218.058594 Z M 187.125 212.8125 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 187.246094 212.722656 L 187.125 212.8125 L 187.125 212.617188 Z M 187.246094 212.722656 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 214.265625 160.496094 L 213.769531 160.417969 L 214.175781 160.011719 Z M 214.265625 160.496094 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.125 187.609375 L 172.6875 202.351562 L 160.492188 214.800781 L 160.089844 215.214844 L 101.066406 275.449219 L 145.144531 212.230469 L 156.78125 195.523438 L 162.183594 187.730469 L 162.289062 187.609375 Z M 187.125 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>La rente viag\u00e8re imm\u00e9diate :<\/strong> Vous d\u00e9posez votre capital (par exemple au moment de votre d\u00e9part \u00e0 la retraite) et l'assureur commence \u00e0 vous verser vos rentes mensuelles ou annuelles d\u00e8s le mois suivant.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"500\" zoomAndPan=\"magnify\" viewBox=\"0 0 375 374.999991\" height=\"500\" preserveAspectRatio=\"xMidYMid meet\"><defs><clipPath id=\"5bc1e4b2e8\"><path d=\"M 0 163 L 162.230469 163 L 162.230469 187.609375 L 0 187.609375 Z M 0 163 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"1ae224ed11\"><path d=\"M 187 0 L 212 0 L 212 162.722656 L 187 162.722656 Z M 187 0 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"bd96533006\"><path d=\"M 212.089844 187.441406 L 375 187.441406 L 375 212.488281 L 212.089844 212.488281 Z M 212.089844 187.441406 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"dd846df1dc\"><path d=\"M 162.230469 212.601562 L 187.125 212.601562 L 187.125 375 L 162.230469 375 Z M 162.230469 212.601562 \" clip-rule=\"nonzero\"><\/path><\/clipPath><\/defs><g clip-path=\"url(#5bc1e4b2e8)\"><path fill=\"#071659\" d=\"M 162.09375 187.609375 L -1.410156 187.609375 L 144.605469 163.078125 L 156.71875 180.050781 Z M 162.09375 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 187.125 162.398438 L 187.125 162.589844 L 186.996094 162.503906 Z M 187.125 162.398438 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 212.148438 187.609375 L 211.984375 187.609375 L 212.066406 187.472656 Z M 212.148438 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 162.289062 187.609375 L 162.183594 187.730469 L 162.09375 187.609375 Z M 162.289062 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 187.246094 212.722656 L 187.125 212.8125 L 187.125 212.617188 Z M 187.246094 212.722656 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><g clip-path=\"url(#1ae224ed11)\"><path fill=\"#071659\" d=\"M 211.589844 144.605469 L 194.347656 157.152344 L 187.125 162.398438 L 187.125 -0.828125 Z M 211.589844 144.605469 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 214.265625 160.496094 L 213.769531 160.417969 L 214.175781 160.011719 Z M 214.265625 160.496094 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><g clip-path=\"url(#bd96533006)\"><path fill=\"#071659\" d=\"M 375.65625 187.609375 L 229.636719 212.132812 L 217.53125 195.152344 L 212.148438 187.609375 Z M 375.65625 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 212.148438 187.609375 L 211.984375 187.609375 L 212.066406 187.472656 Z M 212.148438 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.246094 212.722656 L 187.125 212.8125 L 187.125 212.617188 Z M 187.246094 212.722656 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 162.289062 187.609375 L 162.183594 187.730469 L 162.09375 187.609375 Z M 162.289062 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 187.125 162.398438 L 187.125 162.589844 L 186.996094 162.503906 Z M 187.125 162.398438 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.125 162.589844 L 187.125 187.609375 L 100.144531 100.675781 L 162.585938 145.109375 L 179.566406 157.214844 L 186.996094 162.503906 Z M 187.125 162.589844 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 212.148438 187.609375 L 211.984375 187.609375 L 212.066406 187.472656 Z M 212.148438 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 162.289062 187.609375 L 162.183594 187.730469 L 162.09375 187.609375 Z M 162.289062 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 273.183594 99.761719 L 229.121094 162.996094 L 217.488281 179.6875 L 212.066406 187.472656 L 211.984375 187.609375 L 187.125 187.609375 L 201.558594 172.875 L 213.769531 160.417969 L 214.265625 160.496094 L 214.175781 160.011719 Z M 273.183594 99.761719 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 274.113281 274.558594 L 211.660156 230.101562 L 194.679688 217.996094 L 187.246094 212.722656 L 187.125 212.617188 L 187.125 187.609375 Z M 274.113281 274.558594 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><g clip-path=\"url(#dd846df1dc)\"><path fill=\"#071659\" d=\"M 187.125 212.8125 L 187.125 376.039062 L 162.675781 230.613281 L 179.90625 218.058594 Z M 187.125 212.8125 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 187.246094 212.722656 L 187.125 212.8125 L 187.125 212.617188 Z M 187.246094 212.722656 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 214.265625 160.496094 L 213.769531 160.417969 L 214.175781 160.011719 Z M 214.265625 160.496094 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.125 187.609375 L 172.6875 202.351562 L 160.492188 214.800781 L 160.089844 215.214844 L 101.066406 275.449219 L 145.144531 212.230469 L 156.78125 195.523438 L 162.183594 187.730469 L 162.289062 187.609375 Z M 187.125 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>La rente viag\u00e8re diff\u00e9r\u00e9e :<\/strong> Vous accumulez un capital au fil des ans, et le versement des rentes ne d\u00e9bute qu'\u00e0 une date ult\u00e9rieure fix\u00e9e au contrat.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e0d2644 elementor-widget elementor-widget-heading\" data-id=\"e0d2644\" 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\">Un choix historique ax\u00e9 sur la s\u00e9curit\u00e9 absolue<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f8872c6 elementor-widget elementor-widget-text-editor\" data-id=\"f8872c6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tHistoriquement, la rente viag\u00e8re est pl\u00e9biscit\u00e9e pour une raison simple : <b>la suppression totale du risque de long\u00e9vit\u00e9<\/b>. Peu importe que vous viviez jusqu&rsquo;\u00e0 85, 95 ou 105 ans, l&rsquo;assureur s&rsquo;engage contractuellement \u00e0 vous verser le m\u00eame montant jusqu&rsquo;\u00e0 votre dernier jour. Pour les personnes recherchant la tranquillit\u00e9 d&rsquo;esprit avant tout, cela repr\u00e9sente une s\u00e9curit\u00e9 psychologique ind\u00e9niable.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-209e98d elementor-widget elementor-widget-heading\" data-id=\"209e98d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Les contraintes structurelles \u00e0 prendre en compte<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6e92c73 elementor-widget elementor-widget-text-editor\" data-id=\"6e92c73\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Si la promesse d&rsquo;un revenu \u00e0 vie est attrayante, la rente viag\u00e8re traditionnelle implique plusieurs contreparties importantes qu&rsquo;il convient de bien mesurer avant de s&rsquo;engager :<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c706cea elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"c706cea\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"500\" zoomAndPan=\"magnify\" viewBox=\"0 0 375 374.999991\" height=\"500\" preserveAspectRatio=\"xMidYMid meet\"><defs><clipPath id=\"5bc1e4b2e8\"><path d=\"M 0 163 L 162.230469 163 L 162.230469 187.609375 L 0 187.609375 Z M 0 163 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"1ae224ed11\"><path d=\"M 187 0 L 212 0 L 212 162.722656 L 187 162.722656 Z M 187 0 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"bd96533006\"><path d=\"M 212.089844 187.441406 L 375 187.441406 L 375 212.488281 L 212.089844 212.488281 Z M 212.089844 187.441406 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"dd846df1dc\"><path d=\"M 162.230469 212.601562 L 187.125 212.601562 L 187.125 375 L 162.230469 375 Z M 162.230469 212.601562 \" clip-rule=\"nonzero\"><\/path><\/clipPath><\/defs><g clip-path=\"url(#5bc1e4b2e8)\"><path fill=\"#071659\" d=\"M 162.09375 187.609375 L -1.410156 187.609375 L 144.605469 163.078125 L 156.71875 180.050781 Z M 162.09375 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 187.125 162.398438 L 187.125 162.589844 L 186.996094 162.503906 Z M 187.125 162.398438 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 212.148438 187.609375 L 211.984375 187.609375 L 212.066406 187.472656 Z M 212.148438 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 162.289062 187.609375 L 162.183594 187.730469 L 162.09375 187.609375 Z M 162.289062 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 187.246094 212.722656 L 187.125 212.8125 L 187.125 212.617188 Z M 187.246094 212.722656 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><g clip-path=\"url(#1ae224ed11)\"><path fill=\"#071659\" d=\"M 211.589844 144.605469 L 194.347656 157.152344 L 187.125 162.398438 L 187.125 -0.828125 Z M 211.589844 144.605469 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 214.265625 160.496094 L 213.769531 160.417969 L 214.175781 160.011719 Z M 214.265625 160.496094 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><g clip-path=\"url(#bd96533006)\"><path fill=\"#071659\" d=\"M 375.65625 187.609375 L 229.636719 212.132812 L 217.53125 195.152344 L 212.148438 187.609375 Z M 375.65625 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 212.148438 187.609375 L 211.984375 187.609375 L 212.066406 187.472656 Z M 212.148438 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.246094 212.722656 L 187.125 212.8125 L 187.125 212.617188 Z M 187.246094 212.722656 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 162.289062 187.609375 L 162.183594 187.730469 L 162.09375 187.609375 Z M 162.289062 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 187.125 162.398438 L 187.125 162.589844 L 186.996094 162.503906 Z M 187.125 162.398438 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.125 162.589844 L 187.125 187.609375 L 100.144531 100.675781 L 162.585938 145.109375 L 179.566406 157.214844 L 186.996094 162.503906 Z M 187.125 162.589844 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 212.148438 187.609375 L 211.984375 187.609375 L 212.066406 187.472656 Z M 212.148438 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 162.289062 187.609375 L 162.183594 187.730469 L 162.09375 187.609375 Z M 162.289062 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 273.183594 99.761719 L 229.121094 162.996094 L 217.488281 179.6875 L 212.066406 187.472656 L 211.984375 187.609375 L 187.125 187.609375 L 201.558594 172.875 L 213.769531 160.417969 L 214.265625 160.496094 L 214.175781 160.011719 Z M 273.183594 99.761719 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 274.113281 274.558594 L 211.660156 230.101562 L 194.679688 217.996094 L 187.246094 212.722656 L 187.125 212.617188 L 187.125 187.609375 Z M 274.113281 274.558594 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><g clip-path=\"url(#dd846df1dc)\"><path fill=\"#071659\" d=\"M 187.125 212.8125 L 187.125 376.039062 L 162.675781 230.613281 L 179.90625 218.058594 Z M 187.125 212.8125 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 187.246094 212.722656 L 187.125 212.8125 L 187.125 212.617188 Z M 187.246094 212.722656 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 214.265625 160.496094 L 213.769531 160.417969 L 214.175781 160.011719 Z M 214.265625 160.496094 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.125 187.609375 L 172.6875 202.351562 L 160.492188 214.800781 L 160.089844 215.214844 L 101.066406 275.449219 L 145.144531 212.230469 L 156.78125 195.523438 L 162.183594 187.730469 L 162.289062 187.609375 Z M 187.125 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>L'ali\u00e9nation d\u00e9finitive du capital :<\/strong> D\u00e8s la signature du contrat, votre capital appartient \u00e0 la compagnie d'assurances. En r\u00e8gle g\u00e9n\u00e9rale, vous ne pouvez plus r\u00e9cup\u00e9rer ce montant en cas de besoin impr\u00e9vu.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"500\" zoomAndPan=\"magnify\" viewBox=\"0 0 375 374.999991\" height=\"500\" preserveAspectRatio=\"xMidYMid meet\"><defs><clipPath id=\"5bc1e4b2e8\"><path d=\"M 0 163 L 162.230469 163 L 162.230469 187.609375 L 0 187.609375 Z M 0 163 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"1ae224ed11\"><path d=\"M 187 0 L 212 0 L 212 162.722656 L 187 162.722656 Z M 187 0 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"bd96533006\"><path d=\"M 212.089844 187.441406 L 375 187.441406 L 375 212.488281 L 212.089844 212.488281 Z M 212.089844 187.441406 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"dd846df1dc\"><path d=\"M 162.230469 212.601562 L 187.125 212.601562 L 187.125 375 L 162.230469 375 Z M 162.230469 212.601562 \" clip-rule=\"nonzero\"><\/path><\/clipPath><\/defs><g clip-path=\"url(#5bc1e4b2e8)\"><path fill=\"#071659\" d=\"M 162.09375 187.609375 L -1.410156 187.609375 L 144.605469 163.078125 L 156.71875 180.050781 Z M 162.09375 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 187.125 162.398438 L 187.125 162.589844 L 186.996094 162.503906 Z M 187.125 162.398438 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 212.148438 187.609375 L 211.984375 187.609375 L 212.066406 187.472656 Z M 212.148438 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 162.289062 187.609375 L 162.183594 187.730469 L 162.09375 187.609375 Z M 162.289062 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 187.246094 212.722656 L 187.125 212.8125 L 187.125 212.617188 Z M 187.246094 212.722656 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><g clip-path=\"url(#1ae224ed11)\"><path fill=\"#071659\" d=\"M 211.589844 144.605469 L 194.347656 157.152344 L 187.125 162.398438 L 187.125 -0.828125 Z M 211.589844 144.605469 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 214.265625 160.496094 L 213.769531 160.417969 L 214.175781 160.011719 Z M 214.265625 160.496094 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><g clip-path=\"url(#bd96533006)\"><path fill=\"#071659\" d=\"M 375.65625 187.609375 L 229.636719 212.132812 L 217.53125 195.152344 L 212.148438 187.609375 Z M 375.65625 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 212.148438 187.609375 L 211.984375 187.609375 L 212.066406 187.472656 Z M 212.148438 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.246094 212.722656 L 187.125 212.8125 L 187.125 212.617188 Z M 187.246094 212.722656 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 162.289062 187.609375 L 162.183594 187.730469 L 162.09375 187.609375 Z M 162.289062 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 187.125 162.398438 L 187.125 162.589844 L 186.996094 162.503906 Z M 187.125 162.398438 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.125 162.589844 L 187.125 187.609375 L 100.144531 100.675781 L 162.585938 145.109375 L 179.566406 157.214844 L 186.996094 162.503906 Z M 187.125 162.589844 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 212.148438 187.609375 L 211.984375 187.609375 L 212.066406 187.472656 Z M 212.148438 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 162.289062 187.609375 L 162.183594 187.730469 L 162.09375 187.609375 Z M 162.289062 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 273.183594 99.761719 L 229.121094 162.996094 L 217.488281 179.6875 L 212.066406 187.472656 L 211.984375 187.609375 L 187.125 187.609375 L 201.558594 172.875 L 213.769531 160.417969 L 214.265625 160.496094 L 214.175781 160.011719 Z M 273.183594 99.761719 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 274.113281 274.558594 L 211.660156 230.101562 L 194.679688 217.996094 L 187.246094 212.722656 L 187.125 212.617188 L 187.125 187.609375 Z M 274.113281 274.558594 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><g clip-path=\"url(#dd846df1dc)\"><path fill=\"#071659\" d=\"M 187.125 212.8125 L 187.125 376.039062 L 162.675781 230.613281 L 179.90625 218.058594 Z M 187.125 212.8125 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 187.246094 212.722656 L 187.125 212.8125 L 187.125 212.617188 Z M 187.246094 212.722656 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 214.265625 160.496094 L 213.769531 160.417969 L 214.175781 160.011719 Z M 214.265625 160.496094 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.125 187.609375 L 172.6875 202.351562 L 160.492188 214.800781 L 160.089844 215.214844 L 101.066406 275.449219 L 145.144531 212.230469 L 156.78125 195.523438 L 162.183594 187.730469 L 162.289062 187.609375 Z M 187.125 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Une transmission successorale limit\u00e9e :<\/strong> Sans options de garanties sp\u00e9cifiques (souvent co\u00fbteuses et r\u00e9duisant le montant de votre rente), le capital non consomm\u00e9 au moment du d\u00e9c\u00e8s reste acquis \u00e0 l'assureur et n'est pas transmis \u00e0 vos h\u00e9ritiers.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"500\" zoomAndPan=\"magnify\" viewBox=\"0 0 375 374.999991\" height=\"500\" preserveAspectRatio=\"xMidYMid meet\"><defs><clipPath id=\"5bc1e4b2e8\"><path d=\"M 0 163 L 162.230469 163 L 162.230469 187.609375 L 0 187.609375 Z M 0 163 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"1ae224ed11\"><path d=\"M 187 0 L 212 0 L 212 162.722656 L 187 162.722656 Z M 187 0 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"bd96533006\"><path d=\"M 212.089844 187.441406 L 375 187.441406 L 375 212.488281 L 212.089844 212.488281 Z M 212.089844 187.441406 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"dd846df1dc\"><path d=\"M 162.230469 212.601562 L 187.125 212.601562 L 187.125 375 L 162.230469 375 Z M 162.230469 212.601562 \" clip-rule=\"nonzero\"><\/path><\/clipPath><\/defs><g clip-path=\"url(#5bc1e4b2e8)\"><path fill=\"#071659\" d=\"M 162.09375 187.609375 L -1.410156 187.609375 L 144.605469 163.078125 L 156.71875 180.050781 Z M 162.09375 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 187.125 162.398438 L 187.125 162.589844 L 186.996094 162.503906 Z M 187.125 162.398438 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 212.148438 187.609375 L 211.984375 187.609375 L 212.066406 187.472656 Z M 212.148438 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 162.289062 187.609375 L 162.183594 187.730469 L 162.09375 187.609375 Z M 162.289062 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 187.246094 212.722656 L 187.125 212.8125 L 187.125 212.617188 Z M 187.246094 212.722656 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><g clip-path=\"url(#1ae224ed11)\"><path fill=\"#071659\" d=\"M 211.589844 144.605469 L 194.347656 157.152344 L 187.125 162.398438 L 187.125 -0.828125 Z M 211.589844 144.605469 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 214.265625 160.496094 L 213.769531 160.417969 L 214.175781 160.011719 Z M 214.265625 160.496094 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><g clip-path=\"url(#bd96533006)\"><path fill=\"#071659\" d=\"M 375.65625 187.609375 L 229.636719 212.132812 L 217.53125 195.152344 L 212.148438 187.609375 Z M 375.65625 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 212.148438 187.609375 L 211.984375 187.609375 L 212.066406 187.472656 Z M 212.148438 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.246094 212.722656 L 187.125 212.8125 L 187.125 212.617188 Z M 187.246094 212.722656 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 162.289062 187.609375 L 162.183594 187.730469 L 162.09375 187.609375 Z M 162.289062 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 187.125 162.398438 L 187.125 162.589844 L 186.996094 162.503906 Z M 187.125 162.398438 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.125 162.589844 L 187.125 187.609375 L 100.144531 100.675781 L 162.585938 145.109375 L 179.566406 157.214844 L 186.996094 162.503906 Z M 187.125 162.589844 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 212.148438 187.609375 L 211.984375 187.609375 L 212.066406 187.472656 Z M 212.148438 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 162.289062 187.609375 L 162.183594 187.730469 L 162.09375 187.609375 Z M 162.289062 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 273.183594 99.761719 L 229.121094 162.996094 L 217.488281 179.6875 L 212.066406 187.472656 L 211.984375 187.609375 L 187.125 187.609375 L 201.558594 172.875 L 213.769531 160.417969 L 214.265625 160.496094 L 214.175781 160.011719 Z M 273.183594 99.761719 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 274.113281 274.558594 L 211.660156 230.101562 L 194.679688 217.996094 L 187.246094 212.722656 L 187.125 212.617188 L 187.125 187.609375 Z M 274.113281 274.558594 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><g clip-path=\"url(#dd846df1dc)\"><path fill=\"#071659\" d=\"M 187.125 212.8125 L 187.125 376.039062 L 162.675781 230.613281 L 179.90625 218.058594 Z M 187.125 212.8125 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 187.246094 212.722656 L 187.125 212.8125 L 187.125 212.617188 Z M 187.246094 212.722656 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 214.265625 160.496094 L 213.769531 160.417969 L 214.175781 160.011719 Z M 214.265625 160.496094 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.125 187.609375 L 172.6875 202.351562 L 160.492188 214.800781 L 160.089844 215.214844 L 101.066406 275.449219 L 145.144531 212.230469 L 156.78125 195.523438 L 162.183594 187.730469 L 162.289062 187.609375 Z M 187.125 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>L'absence de protection contre l'inflation :<\/strong> Le montant de votre rente est g\u00e9n\u00e9ralement fixe. Avec l'\u00e9rosion mon\u00e9taire au fil des d\u00e9cennies, votre pouvoir d'achat effectif tend \u00e0 diminuer progressivement.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"500\" zoomAndPan=\"magnify\" viewBox=\"0 0 375 374.999991\" height=\"500\" preserveAspectRatio=\"xMidYMid meet\"><defs><clipPath id=\"5bc1e4b2e8\"><path d=\"M 0 163 L 162.230469 163 L 162.230469 187.609375 L 0 187.609375 Z M 0 163 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"1ae224ed11\"><path d=\"M 187 0 L 212 0 L 212 162.722656 L 187 162.722656 Z M 187 0 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"bd96533006\"><path d=\"M 212.089844 187.441406 L 375 187.441406 L 375 212.488281 L 212.089844 212.488281 Z M 212.089844 187.441406 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"dd846df1dc\"><path d=\"M 162.230469 212.601562 L 187.125 212.601562 L 187.125 375 L 162.230469 375 Z M 162.230469 212.601562 \" clip-rule=\"nonzero\"><\/path><\/clipPath><\/defs><g clip-path=\"url(#5bc1e4b2e8)\"><path fill=\"#071659\" d=\"M 162.09375 187.609375 L -1.410156 187.609375 L 144.605469 163.078125 L 156.71875 180.050781 Z M 162.09375 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 187.125 162.398438 L 187.125 162.589844 L 186.996094 162.503906 Z M 187.125 162.398438 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 212.148438 187.609375 L 211.984375 187.609375 L 212.066406 187.472656 Z M 212.148438 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 162.289062 187.609375 L 162.183594 187.730469 L 162.09375 187.609375 Z M 162.289062 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 187.246094 212.722656 L 187.125 212.8125 L 187.125 212.617188 Z M 187.246094 212.722656 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><g clip-path=\"url(#1ae224ed11)\"><path fill=\"#071659\" d=\"M 211.589844 144.605469 L 194.347656 157.152344 L 187.125 162.398438 L 187.125 -0.828125 Z M 211.589844 144.605469 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 214.265625 160.496094 L 213.769531 160.417969 L 214.175781 160.011719 Z M 214.265625 160.496094 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><g clip-path=\"url(#bd96533006)\"><path fill=\"#071659\" d=\"M 375.65625 187.609375 L 229.636719 212.132812 L 217.53125 195.152344 L 212.148438 187.609375 Z M 375.65625 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 212.148438 187.609375 L 211.984375 187.609375 L 212.066406 187.472656 Z M 212.148438 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.246094 212.722656 L 187.125 212.8125 L 187.125 212.617188 Z M 187.246094 212.722656 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 162.289062 187.609375 L 162.183594 187.730469 L 162.09375 187.609375 Z M 162.289062 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 187.125 162.398438 L 187.125 162.589844 L 186.996094 162.503906 Z M 187.125 162.398438 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.125 162.589844 L 187.125 187.609375 L 100.144531 100.675781 L 162.585938 145.109375 L 179.566406 157.214844 L 186.996094 162.503906 Z M 187.125 162.589844 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 212.148438 187.609375 L 211.984375 187.609375 L 212.066406 187.472656 Z M 212.148438 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 162.289062 187.609375 L 162.183594 187.730469 L 162.09375 187.609375 Z M 162.289062 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 273.183594 99.761719 L 229.121094 162.996094 L 217.488281 179.6875 L 212.066406 187.472656 L 211.984375 187.609375 L 187.125 187.609375 L 201.558594 172.875 L 213.769531 160.417969 L 214.265625 160.496094 L 214.175781 160.011719 Z M 273.183594 99.761719 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 274.113281 274.558594 L 211.660156 230.101562 L 194.679688 217.996094 L 187.246094 212.722656 L 187.125 212.617188 L 187.125 187.609375 Z M 274.113281 274.558594 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><g clip-path=\"url(#dd846df1dc)\"><path fill=\"#071659\" d=\"M 187.125 212.8125 L 187.125 376.039062 L 162.675781 230.613281 L 179.90625 218.058594 Z M 187.125 212.8125 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 187.246094 212.722656 L 187.125 212.8125 L 187.125 212.617188 Z M 187.246094 212.722656 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 214.265625 160.496094 L 213.769531 160.417969 L 214.175781 160.011719 Z M 214.265625 160.496094 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.125 187.609375 L 172.6875 202.351562 L 160.492188 214.800781 L 160.089844 215.214844 L 101.066406 275.449219 L 145.144531 212.230469 L 156.78125 195.523438 L 162.183594 187.730469 L 162.289062 187.609375 Z M 187.125 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Des rendements prudents :<\/strong> Soumises \u00e0 des r\u00e8gles de gestion prudentielles strictes, les compagnies d'assurances investissent tr\u00e8s majoritairement sur des supports obligataires \u00e0 faible rendement, ce qui se r\u00e9percute directement sur le niveau des rentes propos\u00e9es.<\/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-61beedf elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"61beedf\" 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\">La rente viag\u00e8re classique reste une option valable pour r\u00e9pondre \u00e0 un besoin d'extr\u00eame s\u00e9curit\u00e9. Toutefois, face \u00e0 l'allongement de l'esp\u00e9rance de vie et \u00e0 la qu\u00eate de flexibilit\u00e9 des retrait\u00e9s d'aujourd'hui, elle gagne \u00e0 \u00eatre compar\u00e9e \u00e0 des solutions modernes d'ing\u00e9nierie financi\u00e8re.<\/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-b847d6b elementor-widget elementor-widget-heading\" data-id=\"b847d6b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Simulateur &amp; calcul : Combien rapporte une rente viag\u00e8re en Suisse ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8a362d1 elementor-widget elementor-widget-text-editor\" data-id=\"8a362d1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Le calcul d&rsquo;une rente viag\u00e8re ne s&rsquo;improvise pas : il repose sur une \u00e9quation actuarielle rigoureuse utilis\u00e9e par l&rsquo;ensemble des compagnies d&rsquo;assurances en Suisse. Comprendre ces m\u00e9canismes vous permet d&rsquo;\u00e9valuer pr\u00e9cis\u00e9ment si le rendement propos\u00e9 correspond \u00e0 vos besoins de retraite.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-126a98a elementor-widget elementor-widget-html\" data-id=\"126a98a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"WebApplication\",\n  \"name\": \"Simulateur de rente viag\u00e8re\",\n  \"description\": \"Estimez la rente annuelle et mensuelle g\u00e9n\u00e9r\u00e9e par un capital de pr\u00e9voyance selon la solution retenue : rente viag\u00e8re, rente certaine ou plan de revenus. Simulation bas\u00e9e sur les taux de conversion et hypoth\u00e8ses de rendement observ\u00e9s sur le march\u00e9 suisse.\",\n  \"url\": \"https:\/\/comparatif-3eme-pilier.ch\/rente-viagere-suisse\/\",\n  \"applicationCategory\": \"FinanceApplication\",\n  \"applicationSubCategory\": \"Retirement calculator\",\n  \"operatingSystem\": \"All\",\n  \"browserRequirements\": \"Requires JavaScript\",\n  \"inLanguage\": \"fr-CH\",\n  \"isAccessibleForFree\": true,\n  \"offers\": {\n    \"@type\": \"Offer\",\n    \"price\": \"0\",\n    \"priceCurrency\": \"CHF\"\n  },\n  \"featureList\": [\n    \"Simulation de rente viag\u00e8re (mixte, homme, femme)\",\n    \"Option de restitution du capital au d\u00e9c\u00e8s\",\n    \"Simulation de rente certaine sur dur\u00e9e fixe (10 \u00e0 25 ans)\",\n    \"Plan de revenus avec rendement param\u00e9trable\",\n    \"Prise en compte de la p\u00e9riode de diff\u00e9r\u00e9 avant versements\",\n    \"Visualisation graphique du cumul per\u00e7u ou du capital restant\"\n  ],\n  \"publisher\": {\n    \"@type\": \"Organization\",\n    \"@id\": \"https:\/\/invexa.swiss\/#organization\",\n    \"name\": \"Invexa\",\n    \"url\": \"https:\/\/comparatif-3eme-pilier.ch\",\n    \"parentOrganization\": {\n      \"@type\": \"FinancialService\",\n      \"@id\": \"https:\/\/invexa.swiss\/#organization\",\n      \"name\": \"Invexa\",\n      \"url\": \"https:\/\/invexa.swiss\"\n    }\n  }\n}\n<\/script>\n<!DOCTYPE html>\n<html lang=\"fr\">\n<head>\n<meta charset=\"UTF-8\">\n<meta name=\"viewport\" content=\"width=device-width, initial-scale=1.0\">\n<title>Simulateur de rente viag\u00e8re<\/title>\n<style>\n#rte,#rte *{box-sizing:border-box;min-width:0}\n#rte{font-family:'Manrope',sans-serif;color:#1a1d29;line-height:1.6;max-width:100%;width:100%}\n\n.rte-grid{display:grid;grid-template-columns:360px 1fr;gap:24px;align-items:start;width:100%}\n.rte-grid>*{min-width:0}\n@media(max-width:960px){.rte-grid{grid-template-columns:1fr;gap:16px}}\n\n.rte-panel{background:#fff;border:1px solid rgba(122,122,122,.16);border-radius:22px!important;padding:32px 28px;min-width:0;width:100%}\n\n.rte-head h2{font-weight:500;font-size:25px;line-height:1.2;color:#071659;margin-bottom:8px;letter-spacing:-.01em}\n.rte-head p{color:#8087a0;font-size:13.5px;margin-bottom:30px}\n\n.rte-field{margin-bottom:22px;min-width:0}\n.rte-field.rte-hidden{display:none}\n.rte-label{font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.08em;color:#071659;margin-bottom:9px}\n.rte-label-row{display:flex;justify-content:space-between;align-items:center;margin-bottom:9px;gap:8px;flex-wrap:wrap}\n.rte-label-row span:last-child{font-size:13px;font-weight:700;color:#5b70d1;white-space:nowrap}\n\n.rte-input,.rte-select{width:100%;max-width:100%;padding:12px 18px;border:1.5px solid #e9edf3!important;border-radius:14px!important;background:#f8fafc!important;font-size:14.5px;font-weight:600;color:#071659!important;font-family:inherit;appearance:none;-moz-appearance:textfield;transition:border-color .2s,background .2s}\n.rte-input::-webkit-outer-spin-button,.rte-input::-webkit-inner-spin-button{-webkit-appearance:none;margin:0}\n.rte-select{background-image:url(\"data:image\/svg+xml,%3Csvg xmlns='http:\/\/www.w3.org\/2000\/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%235b70d1' stroke-width='1.8' fill='none' stroke-linecap='round' stroke-linejoin='round'\/%3E%3C\/svg%3E\");background-repeat:no-repeat;background-position:right 18px center;cursor:pointer;padding-right:40px}\n.rte-input:focus,.rte-select:focus{outline:none;border-color:#5b70d1!important;background-color:#fff!important}\n\ninput[type=range]{width:100%;max-width:100%;appearance:none;height:3px;border-radius:2px;background:linear-gradient(to right,#071659 0%,#071659 var(--p,50%),#e9edf3 var(--p,50%),#e9edf3 100%);outline:none;cursor:pointer;display:block;margin:12px 0}\ninput[type=range]::-webkit-slider-thumb{appearance:none;width:16px;height:16px;border-radius:50%;background:#fff;border:2px solid #071659;cursor:pointer;transition:transform .15s;box-shadow:0 1px 4px rgba(7,22,89,.15)}\ninput[type=range]::-webkit-slider-thumb:hover{transform:scale(1.25)}\ninput[type=range]::-moz-range-thumb{width:16px;height:16px;border-radius:50%;background:#fff;border:2px solid #071659;cursor:pointer}\n\n.rte-switch{display:flex;border:1.5px solid #e9edf3;border-radius:14px!important;overflow:hidden;background:#f8fafc;width:100%}\n.rte-switch label{flex:1 1 0;min-width:0;text-align:center;padding:10px 6px;font-size:12.5px;font-weight:700;color:#8087a0;cursor:pointer;border-radius:0!important;transition:background .15s,color .15s;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}\n.rte-switch input{display:none}\n.rte-switch label:has(input:checked){background:#071659!important;color:#fff!important}\n\n.rte-hint{font-size:11px;color:#a7adc0;margin-top:8px;line-height:1.5}\n\n\/* ---- hero ---- *\/\n.rte-hero{position:relative;overflow:hidden;background:#fff;border:1px solid rgba(122,122,122,.16);border-radius:22px!important;padding:38px 36px 32px;width:100%;min-width:0}\n.rte-hero::before{content:'';position:absolute;top:-70px;right:-60px;width:230px;height:230px;border-radius:50%;background:radial-gradient(circle,#5b70d1 0%,rgba(91,112,209,0) 72%);opacity:.16;pointer-events:none}\n.rte-hero::after{content:'';position:absolute;left:0;top:0;bottom:0;background:linear-gradient(180deg,#5b70d1,#071659)}\n\n.rte-hero-top{display:flex;justify-content:space-between;align-items:baseline;gap:12px;flex-wrap:wrap;position:relative}\n.rte-eyebrow{font-size:10.5px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:#5b70d1}\n.rte-context{font-size:12.5px;font-weight:600;color:#8087a0}\n.rte-context b{color:#071659;font-weight:700}\n\n#rte-year{font-weight:500;font-size:54px;line-height:1.05;letter-spacing:-.01em;color:#071659;margin:16px 0 2px;position:relative;word-break:break-word;overflow-wrap:break-word}\n.rte-peryear{font-size:13px;color:#a7adc0;font-weight:600;letter-spacing:.02em;margin-bottom:14px}\n.rte-rule{width:40px;height:2px;background:#5b70d1;border-radius:2px;margin-bottom:14px}\n#rte-month{font-size:14.5px;color:#525a72;font-weight:600;word-break:break-word;overflow-wrap:break-word}\n#rte-month b{color:#071659;font-weight:600;font-size:16px}\n\n.rte-datarow{display:flex;margin-top:28px;padding-top:22px;border-top:1px solid #eef0f5;position:relative;flex-wrap:wrap;gap:16px 0}\n.rte-dataitem{flex:1 1 0;min-width:0;padding-right:18px}\n.rte-dataitem+.rte-dataitem{border-left:1px solid #eef0f5;padding-left:18px}\n.rte-dataitem .lb{font-size:10px;text-transform:uppercase;letter-spacing:.06em;color:#a7adc0;font-weight:700;margin-bottom:6px}\n.rte-dataitem .vl{font-size:17px;font-weight:600;color:#071659;letter-spacing:-.01em;word-break:break-word;overflow-wrap:break-word}\n\n\/* ---- chart ---- *\/\n.rte-chartblock{background:#fff;border:1px solid rgba(122,122,122,.16);border-radius:22px!important;padding:26px 26px 12px;margin-top:20px;width:100%;min-width:0}\n.rte-chart-title{font-size:10.5px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:#5b70d1;margin-bottom:4px}\n.rte-chart-sub{font-size:12.5px;color:#a7adc0;margin-bottom:16px}\n.rte-cw{position:relative;height:220px;width:100%}\n\n.rte-info{margin-top:20px;font-size:12px;color:#a7adc0;line-height:1.6;padding:0 2px}\n\n\/* ---- tablet ---- *\/\n@media(max-width:768px){\n.rte-panel,.rte-hero{padding:28px 22px}\n.rte-chartblock{padding:22px 20px 10px}\n#rte-year{font-size:44px}\n.rte-cw{height:200px}\n}\n\n\/* ---- mobile ---- *\/\n@media(max-width:600px){\n.rte-panel,.rte-hero{padding:24px 18px}\n.rte-chartblock{padding:20px 16px 8px}\n.rte-head h2{font-size:22px}\n.rte-head p{font-size:12.5px;margin-bottom:24px}\n#rte-year{font-size:36px}\n#rte-month b{font-size:15px}\n.rte-datarow{gap:14px 0;margin-top:22px;padding-top:18px}\n.rte-dataitem{flex:1 1 100%;border-left:none!important;padding-left:0!important;padding-right:0;padding-bottom:14px;border-bottom:1px solid #eef0f5}\n.rte-dataitem:last-child{border-bottom:none;padding-bottom:0}\n.rte-dataitem .vl{font-size:16px}\n.rte-cw{height:190px}\n.rte-switch label{padding:10px 4px;font-size:11.5px}\n.rte-input,.rte-select{padding:11px 16px;font-size:14px}\n.rte-select{padding-right:38px}\n}\n\n\/* ---- very small ---- *\/\n@media(max-width:380px){\n.rte-panel,.rte-hero{padding:20px 14px}\n.rte-chartblock{padding:18px 12px 6px}\n#rte-year{font-size:30px}\n.rte-switch label{padding:9px 2px;font-size:10.5px;letter-spacing:0}\n.rte-hero-top{gap:6px}\n.rte-context{font-size:11.5px}\n.rte-cw{height:170px}\n}\n<\/style>\n<\/head>\n<body>\n<div id=\"rte\">\n  <div class=\"rte-grid\">\n\n    <div class=\"rte-panel\">\n      <div class=\"rte-head\">\n        <h2>Simulateur de rente viag\u00e8re<\/h2>\n        <p>Estimez la rente g\u00e9n\u00e9r\u00e9e par votre capital, selon la solution choisie.<\/p>\n      <\/div>\n\n      <div class=\"rte-field\">\n        <div class=\"rte-label\">Type de solution<\/div>\n        <select id=\"rv-type\" class=\"rte-select\">\n          <option value=\"viagere\">Rente viag\u00e8re (\u00e0 vie)<\/option>\n          <option value=\"certaine\">Rente certaine (dur\u00e9e fixe)<\/option>\n          <option value=\"revenus\">Plan de revenus (capital + int\u00e9r\u00eats)<\/option>\n        <\/select>\n      <\/div>\n\n      <div class=\"rte-field\">\n        <div class=\"rte-label\">Capital investi<\/div>\n        <input id=\"rv-capital\" class=\"rte-input\" type=\"number\" value=\"200000\" min=\"10000\" max=\"5000000\" step=\"1000\">\n      <\/div>\n\n      <div class=\"rte-field\">\n        <div class=\"rte-label-row\"><span class=\"rte-label\">\u00c2ge actuel<\/span><span id=\"rv-age-value\">60 ans<\/span><\/div>\n        <input id=\"rv-age\" type=\"range\" min=\"40\" max=\"80\" value=\"60\">\n      <\/div>\n\n      <div class=\"rte-field\">\n        <div class=\"rte-label-row\"><span class=\"rte-label\">D\u00e9but des versements<\/span><span id=\"rv-start-value\">65 ans<\/span><\/div>\n        <input id=\"rv-start\" type=\"range\" min=\"60\" max=\"90\" value=\"65\">\n        <div class=\"rte-hint\">Le capital est suppos\u00e9 cro\u00eetre de 1,5&nbsp;%\/an jusqu'au d\u00e9but des versements.<\/div>\n      <\/div>\n\n      <div class=\"rte-field\" id=\"rv-sexe-field\">\n        <div class=\"rte-label\">Sexe assur\u00e9<\/div>\n        <div class=\"rte-switch\">\n          <label><input type=\"radio\" name=\"sexe\" value=\"mixte\" checked>Mixte<\/label>\n          <label><input type=\"radio\" name=\"sexe\" value=\"homme\">Homme<\/label>\n          <label><input type=\"radio\" name=\"sexe\" value=\"femme\">Femme<\/label>\n        <\/div>\n      <\/div>\n\n      <div class=\"rte-field\" id=\"rv-rest-field\">\n        <div class=\"rte-label\">Restitution du capital au d\u00e9c\u00e8s<\/div>\n        <div class=\"rte-switch\">\n          <label><input type=\"radio\" name=\"rest\" value=\"non\" checked>Non<\/label>\n          <label><input type=\"radio\" name=\"rest\" value=\"oui\">Oui<\/label>\n        <\/div>\n        <div class=\"rte-hint\">Avec restitution, le solde non consomm\u00e9 est vers\u00e9 aux b\u00e9n\u00e9ficiaires, ce qui r\u00e9duit la rente.<\/div>\n      <\/div>\n\n      <div class=\"rte-field\" id=\"rv-duration-field\">\n        <div class=\"rte-label\">Dur\u00e9e des versements<\/div>\n        <div class=\"rte-switch\">\n          <label><input type=\"radio\" name=\"duration\" value=\"10\">10 ans<\/label>\n          <label><input type=\"radio\" name=\"duration\" value=\"15\" checked>15 ans<\/label>\n          <label><input type=\"radio\" name=\"duration\" value=\"20\">20 ans<\/label>\n          <label><input type=\"radio\" name=\"duration\" value=\"25\">25 ans<\/label>\n        <\/div>\n      <\/div>\n\n      <div class=\"rte-field\" id=\"rv-yield-field\">\n        <div class=\"rte-label-row\"><span class=\"rte-label\">Rendement suppos\u00e9<\/span><span id=\"rv-yield-value\">2,0&nbsp;%<\/span><\/div>\n        <input id=\"rv-yield\" type=\"range\" min=\"0\" max=\"4\" step=\"0.25\" value=\"2\">\n        <div class=\"rte-hint\">Rendement net annuel appliqu\u00e9 au solde restant pendant les versements.<\/div>\n      <\/div>\n    <\/div>\n\n    <div>\n      <div class=\"rte-hero\">\n        <div class=\"rte-hero-top\">\n          <span class=\"rte-eyebrow\">Rente estim\u00e9e<\/span>\n          <span class=\"rte-context\" id=\"rv-context\">D\u00e8s <b>65 ans<\/b> \u00b7 Viag\u00e8re<\/span>\n        <\/div>\n\n        <div id=\"rte-year\">CHF \u2014<\/div>\n        <div class=\"rte-peryear\">par ann\u00e9e<\/div>\n        <div class=\"rte-rule\"><\/div>\n        <div id=\"rte-month\">\u2248 <b id=\"rv-month-b\">\u2014<\/b> par mois<\/div>\n\n        <div class=\"rte-datarow\" id=\"rv-datarow\"><\/div>\n      <\/div>\n\n      <div class=\"rte-chartblock\">\n        <div class=\"rte-chart-title\">\u00c9volution<\/div>\n        <div class=\"rte-chart-sub\" id=\"rv-chart-sub\">\u2014<\/div>\n        <div class=\"rte-cw\"><canvas id=\"rv-canvas\"><\/canvas><\/div>\n      <\/div>\n\n      <div class=\"rte-info\" id=\"rv-info\">\n        Simulation indicative bas\u00e9e sur des taux de conversion et hypoth\u00e8ses de rendement observ\u00e9s sur le march\u00e9 suisse. Les montants r\u00e9els d\u00e9pendent de l'assureur, des tables de mortalit\u00e9 en vigueur et des options contractuelles choisies.\n      <\/div>\n    <\/div>\n\n  <\/div>\n<\/div>\n\n<script>\n(function(){\nconst CURVE=[[55,3.8],[58,4.05],[60,4.3],[62,4.55],[65,4.9],[68,5.3],[70,5.7],[72,6.15],[75,6.8],[78,7.5],[80,8.3],[83,9.3],[85,10.5],[88,12],[90,13.5]];\nfunction interp(x){\n  if(x<=CURVE[0][0])return CURVE[0][1];\n  if(x>=CURVE[CURVE.length-1][0])return CURVE[CURVE.length-1][1];\n  for(let i=0;i<CURVE.length-1;i++){const[x0,y0]=CURVE[i],[x1,y1]=CURVE[i+1];if(x>=x0&&x<=x1)return y0+(y1-y0)*(x-x0)\/(x1-x0);}\n}\nfunction annuityFactor(r,n){return r===0?n:(1-Math.pow(1+r,-n))\/r;}\nconst fmt=n=>Math.round(n).toLocaleString('fr-CH').replace(\/\\u202f\/g,\"\\u2019\").replace(\/\\s\/g,\"\\u2019\");\nconst fmtCHF=n=>\"CHF\\u00a0\"+fmt(n);\n\nconst $=id=>document.getElementById(id);\nconst typeSel=$('rv-type'),capIn=$('rv-capital'),ageR=$('rv-age'),startR=$('rv-start'),yieldR=$('rv-yield');\nconst sexeField=$('rv-sexe-field'),restField=$('rv-rest-field'),durField=$('rv-duration-field'),yieldField=$('rv-yield-field');\n\nfunction setBg(s){const pct=((+s.value-+s.min)\/(+s.max-+s.min)*100).toFixed(1);s.style.setProperty('--p',pct+'%');}\n\nlet chart=null;\nfunction currentType(){return typeSel.value;}\n\nfunction toggleFields(){\n  const t=currentType();\n  sexeField.classList.toggle('rte-hidden', t!=='viagere');\n  restField.classList.toggle('rte-hidden', t!=='viagere');\n  durField.classList.toggle('rte-hidden', t==='viagere');\n  yieldField.classList.toggle('rte-hidden', t!=='revenus');\n}\n\nfunction dataItem(lb,vl){return `<div class=\"rte-dataitem\"><div class=\"lb\">${lb}<\/div><div class=\"vl\">${vl}<\/div><\/div>`;}\n\nfunction compute(){\n  const t=currentType();\n  const capital0=Math.max(1000,+capIn.value||0);\n  let ageNow=+ageR.value, ageStart=+startR.value;\n  if(ageStart<ageNow){ageStart=ageNow;startR.value=ageStart;}\n  startR.min=ageNow;\n  $('rv-age-value').textContent=ageNow+' ans';\n  $('rv-start-value').textContent=ageStart+' ans';\n  setBg(ageR);setBg(startR);setBg(yieldR);\n\n  const deferral=Math.max(0,ageStart-ageNow);\n  const growth=0.015;\n  const capitalAtStart=capital0*Math.pow(1+growth,deferral);\n\n  let renteAnnuelle=0, items=[], chartSub='', typeLabel='', labels=[],series=[];\n\n  if(t==='viagere'){\n    const sexe=document.querySelector('input[name=\"sexe\"]:checked').value;\n    const rest=document.querySelector('input[name=\"rest\"]:checked').value;\n    const genderAdj=sexe==='homme'?0.3:sexe==='femme'?-0.3:0;\n    let rate=interp(ageStart)+genderAdj;\n    if(rest==='oui')rate*=0.82;\n    renteAnnuelle=capitalAtStart*rate\/100;\n    typeLabel='Viag\u00e8re';\n    const breakeven=renteAnnuelle>0?capitalAtStart\/renteAnnuelle:0;\n    items=[\n      dataItem('Capital au d\u00e9but', fmtCHF(capitalAtStart)),\n      dataItem('Taux de conversion', rate.toFixed(2).replace('.',',')+'\\u00a0%'),\n      dataItem('R\u00e9cup\u00e9ration capital', '~'+Math.round(breakeven)+' ans')\n    ];\n    const n=35;\n    for(let i=0;i<=n;i++){labels.push(ageStart+i);series.push(Math.min(renteAnnuelle*i,capitalAtStart*3));}\n    chartSub='Cumul des rentes per\u00e7ues, compar\u00e9 au capital de d\u00e9part (ligne pointill\u00e9e)';\n    drawChart(labels,[{label:'Cumul per\u00e7u',data:series,color:'#5b70d1',fill:true},{label:'Capital',data:labels.map(()=>capitalAtStart),color:'#071659',dashed:true}]);\n  }\n  else if(t==='certaine'){\n    const n=+document.querySelector('input[name=\"duration\"]:checked').value;\n    const i=0.0125;\n    renteAnnuelle=capitalAtStart\/annuityFactor(i,n);\n    typeLabel='Certaine \\u00b7 '+n+' ans';\n    items=[\n      dataItem('Capital au d\u00e9but', fmtCHF(capitalAtStart)),\n      dataItem('Taux technique', (i*100).toFixed(2).replace('.',',')+'\\u00a0%'),\n      dataItem('Total vers\u00e9', fmtCHF(renteAnnuelle*n))\n    ];\n    for(let i2=0;i2<=n;i2++){labels.push(ageStart+i2);series.push(Math.min(renteAnnuelle*i2,capitalAtStart));}\n    chartSub='Cumul des rentes per\u00e7ues jusqu\\u2019au terme de la dur\u00e9e choisie';\n    drawChart(labels,[{label:'Cumul per\u00e7u',data:series,color:'#5b70d1',fill:true},{label:'Capital',data:labels.map(()=>capitalAtStart),color:'#071659',dashed:true}]);\n  }\n  else{\n    const n=+document.querySelector('input[name=\"duration\"]:checked').value;\n    const r=+yieldR.value\/100;\n    $('rv-yield-value').textContent=(+yieldR.value).toFixed(1).replace('.',',')+'\\u00a0%';\n    renteAnnuelle=capitalAtStart\/annuityFactor(r,n);\n    typeLabel='Plan de revenus \\u00b7 '+n+' ans';\n    items=[\n      dataItem('Capital au d\u00e9but', fmtCHF(capitalAtStart)),\n      dataItem('Rendement suppos\u00e9', (r*100).toFixed(2).replace('.',',')+'\\u00a0%'),\n      dataItem('Capital \u00e9puis\u00e9 \u00e0', (ageStart+n)+' ans')\n    ];\n    let solde=capitalAtStart;\n    labels.push(ageStart);series.push(solde);\n    for(let i2=1;i2<=n;i2++){solde=Math.max(0,solde*(1+r)-renteAnnuelle);labels.push(ageStart+i2);series.push(solde);}\n    chartSub='Capital restant au fil des versements';\n    drawChart(labels,[{label:'Capital restant',data:series,color:'#5b70d1',fill:true}]);\n  }\n\n  $('rte-year').textContent=fmtCHF(renteAnnuelle);\n  $('rv-month-b').textContent=fmtCHF(renteAnnuelle\/12);\n  $('rv-context').innerHTML='D\u00e8s <b>'+ageStart+' ans<\/b> \\u00b7 '+typeLabel;\n  $('rv-datarow').innerHTML=items.join('');\n  $('rv-chart-sub').textContent=chartSub;\n}\n\nfunction drawChart(labels,datasets){\n  const ctx=$('rv-canvas');\n  if(!window.Chart){return;}\n  const cdata={\n    labels,\n    datasets:datasets.map(d=>({\n      label:d.label,data:d.data,borderColor:d.color,\n      backgroundColor:d.fill?'rgba(91,112,209,0.10)':'transparent',\n      borderWidth:d.dashed?1.5:2.25,borderDash:d.dashed?[4,4]:[],\n      pointRadius:0,fill:!!d.fill,tension:0.35\n    }))\n  };\n  if(chart){chart.data=cdata;chart.update('none');return;}\n  chart=new Chart(ctx,{type:'line',data:cdata,options:{\n    responsive:true,maintainAspectRatio:false,animation:false,\n    plugins:{legend:{display:false},tooltip:{\n      backgroundColor:'#071659',padding:12,cornerRadius:10,titleFont:{family:'Manrope',weight:700},bodyFont:{family:'Manrope'},\n      callbacks:{title:items=>'\\u00c2ge '+items[0].label+' ans',label:item=>item.dataset.label+': '+fmtCHF(item.raw)}\n    }},\n    interaction:{mode:'index',intersect:false},\n    scales:{\n      x:{grid:{display:false},border:{display:false},ticks:{color:'#c2c7d6',font:{family:'Manrope',size:11},maxTicksLimit:7,maxRotation:0}},\n      y:{grid:{color:'rgba(0,0,0,0.045)'},border:{display:false},ticks:{color:'#c2c7d6',font:{family:'Manrope',size:11},maxTicksLimit:5,callback:v=>v>=1000?fmt(v\/1000)+'k':fmt(v)}}\n    }\n  }});\n}\n\n[typeSel,capIn,ageR,startR,yieldR].forEach(el=>el.addEventListener('input',()=>{toggleFields();compute();}));\ndocument.querySelectorAll('input[name=\"sexe\"],input[name=\"rest\"],input[name=\"duration\"]').forEach(el=>el.addEventListener('change',compute));\n\nconst sc=document.createElement('script');\nsc.src='https:\/\/cdnjs.cloudflare.com\/ajax\/libs\/Chart.js\/4.4.1\/chart.umd.min.js';\nsc.onload=()=>{toggleFields();compute();};\ndocument.head.appendChild(sc);\ntoggleFields();\nsetBg(ageR);setBg(startR);setBg(yieldR);\n})();\n<\/script>\n<\/body>\n<\/html>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d4570dd elementor-widget elementor-widget-text-editor\" data-id=\"d4570dd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Prenons un exemple concret :<\/strong> en pla\u00e7ant 200&rsquo;000 CHF \u00e0 60 ans avec un d\u00e9but de versement \u00e0 65 ans, le capital atteint 215&rsquo;457 CHF. Une rente viag\u00e8re g\u00e9n\u00e8re environ 880 CHF\/mois. Il faudra donc percevoir cette rente pendant 20 ans (jusqu&rsquo;\u00e0 85 ans) pour simplement r\u00e9cup\u00e9rer la somme initiale investi. Si le rentier d\u00e9c\u00e8de avant sans l&rsquo;option de restitution, le solde est perdu. \u00c0 l&rsquo;inverse, en basculant sur l&rsquo;onglet Plan de revenus, le capital r\u00e9siduel reste int\u00e9gralement transmissible.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6c01f9d elementor-widget elementor-widget-heading\" data-id=\"6c01f9d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Les crit\u00e8res de calcul des assureurs suisses<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-74a15fe elementor-widget elementor-widget-text-editor\" data-id=\"74a15fe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-path-to-node=\"5\">Pour d\u00e9terminer le montant de la rente mensuelle ou annuelle qui vous sera vers\u00e9e \u00e0 vie, les compagnies d&rsquo;assurances se basent sur quatre facteurs principaux :<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e74d705 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"e74d705\" 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>L'\u00e2ge au moment de la souscription :<\/strong> Plus vous commencez tard, plus la rente mensuelle est \u00e9lev\u00e9e (car l'horizon de versement estim\u00e9 par l'assureur est plus court).<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"500\" zoomAndPan=\"magnify\" viewBox=\"0 0 375 374.999991\" height=\"500\" preserveAspectRatio=\"xMidYMid meet\"><defs><g><\/g><clipPath id=\"4781e0adf0\"><rect x=\"0\" width=\"330\" y=\"0\" height=\"375\"><\/rect><\/clipPath><\/defs><g transform=\"matrix(1, 0, 0, 1, 23, 0)\"><g clip-path=\"url(#4781e0adf0)\"><g fill=\"#071659\" fill-opacity=\"1\"><g transform=\"translate(0.363061, 348.036103)\"><g><path d=\"M 4.609375 0 L 3.46875 -5.765625 L 53.65625 -31.15625 C 75.570312 -41.925781 97.488281 -53.65625 119.40625 -66.34375 C 141.332031 -79.03125 161.332031 -92.96875 179.40625 -108.15625 C 197.488281 -123.351562 212.007812 -139.601562 222.96875 -156.90625 C 233.925781 -174.21875 239.40625 -192.875 239.40625 -212.875 C 239.40625 -232.875 234.597656 -249.988281 224.984375 -264.21875 C 215.367188 -278.445312 202.390625 -289.3125 186.046875 -296.8125 C 169.703125 -304.3125 151.335938 -308.0625 130.953125 -308.0625 C 116.335938 -308.0625 102.109375 -305.175781 88.265625 -299.40625 C 74.421875 -293.632812 63.070312 -285.269531 54.21875 -274.3125 C 45.375 -263.351562 40.953125 -249.796875 40.953125 -233.640625 C 40.953125 -215.566406 47.296875 -201.429688 59.984375 -191.234375 C 72.679688 -181.046875 86.722656 -175.953125 102.109375 -175.953125 C 115.566406 -175.953125 126.046875 -179.601562 133.546875 -186.90625 C 141.046875 -194.21875 144.796875 -203.644531 144.796875 -215.1875 C 144.796875 -224.03125 141.910156 -232.203125 136.140625 -239.703125 C 130.378906 -247.203125 120.957031 -249.988281 107.875 -248.0625 L 107.296875 -252.09375 C 108.066406 -252.863281 110.46875 -253.828125 114.5 -254.984375 C 118.539062 -256.140625 123.253906 -256.71875 128.640625 -256.71875 C 140.179688 -256.71875 149.988281 -254.023438 158.0625 -248.640625 C 166.144531 -243.253906 172.300781 -236.519531 176.53125 -228.4375 C 180.757812 -220.363281 182.875 -212.097656 182.875 -203.640625 C 182.875 -186.722656 176.046875 -171.628906 162.390625 -158.359375 C 148.742188 -145.085938 129.992188 -138.453125 106.140625 -138.453125 C 90.378906 -138.453125 75.476562 -141.910156 61.4375 -148.828125 C 47.394531 -155.753906 36.144531 -165.367188 27.6875 -177.671875 C 19.226562 -189.984375 15 -204.21875 15 -220.375 C 15 -240.757812 20.957031 -258.738281 32.875 -274.3125 C 44.800781 -289.882812 60.957031 -302.09375 81.34375 -310.9375 C 101.726562 -319.789062 124.421875 -324.21875 149.421875 -324.21875 C 178.265625 -324.21875 203.644531 -319.789062 225.5625 -310.9375 C 247.488281 -302.09375 264.695312 -289.398438 277.1875 -272.859375 C 289.6875 -256.328125 295.9375 -236.523438 295.9375 -213.453125 C 295.9375 -195.367188 291.515625 -178.347656 282.671875 -162.390625 C 273.828125 -146.429688 261.804688 -131.816406 246.609375 -118.546875 C 231.421875 -105.273438 214.5 -93.351562 195.84375 -82.78125 C 177.195312 -72.207031 158.066406 -63.171875 138.453125 -55.671875 C 118.835938 -48.171875 99.992188 -42.304688 81.921875 -38.078125 L 81.921875 -34.03125 L 205.953125 -34.03125 C 230.566406 -34.03125 250.945312 -38.164062 267.09375 -46.4375 C 283.25 -54.707031 292.484375 -69.421875 294.796875 -90.578125 L 302.296875 -90.578125 L 294.796875 0 Z M 4.609375 0 \"><\/path><\/g><\/g><\/g><\/g><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Le genre et les tables de mortalit\u00e9 :<\/strong> L'esp\u00e9rance de vie statistique d\u00e9finit le nombre d'ann\u00e9es durant lesquelles l'assureur devra verser la rente.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"500\" zoomAndPan=\"magnify\" viewBox=\"0 0 375 374.999991\" height=\"500\" preserveAspectRatio=\"xMidYMid meet\"><defs><g><\/g><clipPath id=\"6ab3ba5a4b\"><rect x=\"0\" width=\"339\" y=\"0\" height=\"375\"><\/rect><\/clipPath><\/defs><g transform=\"matrix(1, 0, 0, 1, 23, 0)\"><g clip-path=\"url(#6ab3ba5a4b)\"><g fill=\"#071659\" fill-opacity=\"1\"><g transform=\"translate(0.160917, 288.78215)\"><g><path d=\"M 164.328125 81.90625 C 135.003906 81.90625 108.960938 77.1875 86.203125 67.75 C 63.453125 58.3125 45.585938 44.910156 32.609375 27.546875 C 19.628906 10.191406 13.140625 -10.28125 13.140625 -33.875 C 13.140625 -52.082031 17.601562 -67.585938 26.53125 -80.390625 C 35.46875 -93.203125 47.015625 -102.976562 61.171875 -109.71875 C 75.335938 -116.457031 90.171875 -119.828125 105.671875 -119.828125 C 132.304688 -119.828125 153.375 -113.085938 168.875 -99.609375 C 184.382812 -86.128906 192.140625 -69.441406 192.140625 -49.546875 C 192.140625 -35.054688 187.082031 -22.835938 176.96875 -12.890625 C 166.851562 -2.953125 154.882812 2.015625 141.0625 2.015625 C 135.675781 2.015625 130.535156 1.257812 125.640625 -0.25 C 120.753906 -1.769531 116.960938 -3.707031 114.265625 -6.0625 L 114.78125 -9.609375 C 125.226562 -5.566406 134.832031 -6.15625 143.59375 -11.375 C 152.363281 -16.601562 156.75 -24.78125 156.75 -35.90625 C 156.75 -47.695312 151.859375 -57.804688 142.078125 -66.234375 C 132.304688 -74.660156 118.65625 -78.875 101.125 -78.875 C 83.59375 -78.875 68.675781 -73.476562 56.375 -62.6875 C 44.070312 -51.90625 37.921875 -37.078125 37.921875 -18.203125 C 37.921875 6.742188 47.441406 26.460938 66.484375 40.953125 C 85.535156 55.453125 111.070312 62.703125 143.09375 62.703125 C 165.675781 62.703125 186.65625 57.976562 206.03125 48.53125 C 225.414062 39.09375 241.007812 26.285156 252.8125 10.109375 C 264.613281 -6.066406 270.515625 -24.4375 270.515625 -45 C 270.515625 -75 260.316406 -99.097656 239.921875 -117.296875 C 219.523438 -135.503906 191.460938 -145.28125 155.734375 -146.625 C 148.992188 -143.257812 141.914062 -141.578125 134.5 -141.578125 C 130.445312 -141.578125 126.820312 -142.503906 123.625 -144.359375 C 120.425781 -146.210938 118.828125 -149.160156 118.828125 -153.203125 C 118.828125 -156.910156 120.425781 -159.773438 123.625 -161.796875 C 126.820312 -163.816406 130.445312 -164.828125 134.5 -164.828125 C 139.21875 -164.828125 144.269531 -164.148438 149.65625 -162.796875 C 155.050781 -161.453125 160.28125 -159.265625 165.34375 -156.234375 C 183.207031 -158.929688 198.207031 -165.757812 210.34375 -176.71875 C 222.476562 -187.675781 228.546875 -200.738281 228.546875 -215.90625 C 228.546875 -233.09375 222.222656 -246.65625 209.578125 -256.59375 C 196.941406 -266.539062 179.160156 -271.515625 156.234375 -271.515625 C 142.410156 -271.515625 129.769531 -268.394531 118.3125 -262.15625 C 106.851562 -255.925781 97.835938 -247.332031 91.265625 -236.375 C 84.691406 -225.425781 81.40625 -212.867188 81.40625 -198.703125 L 73.828125 -198.703125 L 74.328125 -260.390625 C 85.109375 -267.472656 98.421875 -273.203125 114.265625 -277.578125 C 130.109375 -281.960938 146.628906 -284.15625 163.828125 -284.15625 C 186.410156 -284.15625 206.128906 -281.117188 222.984375 -275.046875 C 239.835938 -268.984375 252.984375 -260.8125 262.421875 -250.53125 C 271.859375 -240.25 276.578125 -228.707031 276.578125 -215.90625 C 276.578125 -199.382812 270.085938 -185.644531 257.109375 -174.6875 C 244.128906 -163.738281 225.675781 -156.914062 201.75 -154.21875 L 201.75 -149.671875 C 240.175781 -148.316406 270.257812 -137.359375 292 -116.796875 C 313.738281 -96.234375 324.609375 -69.941406 324.609375 -37.921875 C 324.609375 -21.742188 320.394531 -6.410156 311.96875 8.078125 C 303.539062 22.578125 291.992188 35.390625 277.328125 46.515625 C 262.671875 57.640625 245.648438 66.316406 226.265625 72.546875 C 206.878906 78.785156 186.234375 81.90625 164.328125 81.90625 Z M 164.328125 81.90625 \"><\/path><\/g><\/g><\/g><\/g><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Le taux d'int\u00e9r\u00eat technique :<\/strong> C'est le taux de rendement minimal garanti par l'assureur sur le capital non encore distribu\u00e9.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"500\" zoomAndPan=\"magnify\" viewBox=\"0 0 375 374.999991\" height=\"500\" preserveAspectRatio=\"xMidYMid meet\"><defs><g><\/g><clipPath id=\"7345379f18\"><rect x=\"0\" width=\"318\" y=\"0\" height=\"375\"><\/rect><\/clipPath><\/defs><g transform=\"matrix(1, 0, 0, 1, 24, 0)\"><g clip-path=\"url(#7345379f18)\"><g fill=\"#071659\" fill-opacity=\"1\"><g transform=\"translate(9.779339, 288.78215)\"><g><path d=\"M 171.90625 75.84375 L 171.90625 69.78125 C 177.644531 59.332031 181.523438 36.070312 183.546875 0 L 1.515625 0 L -1.015625 -6.0625 L 198.703125 -278.09375 L 237.640625 -278.09375 L 237.640625 -26.796875 L 294.78125 -26.796875 L 288.203125 0 L 239.15625 0 C 241.175781 36.070312 245.054688 59.332031 250.796875 69.78125 L 250.796875 75.84375 Z M 34.375 -26.796875 L 185.0625 -26.796875 L 185.0625 -231.078125 L 182.03125 -231.078125 L 33.375 -29.828125 Z M 34.375 -26.796875 \"><\/path><\/g><\/g><\/g><\/g><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Les options contractuelles :<\/strong> L'ajout de clauses de protection (comme la restitution du capital en cas de d\u00e9c\u00e8s) r\u00e9duit le montant de la rente per\u00e7ue.<\/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-f1ea25f elementor-widget elementor-widget-heading\" data-id=\"f1ea25f\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"fiscalite\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Imposition et fiscalit\u00e9 de la rente viag\u00e8re en Suisse<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-01828aa elementor-widget elementor-widget-text-editor\" data-id=\"01828aa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-path-to-node=\"3\">La fiscalit\u00e9 de la rente viag\u00e8re du <a href=\"http:\/\/invexa.swiss\/pilier-3b\/\">3e pilier libre (3b)<\/a> a connu un tournant majeur depuis l&rsquo;entr\u00e9e en vigueur de la nouvelle loi f\u00e9d\u00e9rale sur l&rsquo;imposition des rentes viag\u00e8res. Ce cadre adapte d\u00e9sormais la part imposable \u00e0 la r\u00e9alit\u00e9 \u00e9conomique des taux d&rsquo;int\u00e9r\u00eat.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7103939 elementor-widget elementor-widget-heading\" data-id=\"7103939\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Le nouveau calcul de la part imposable (Post-2025)<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-66881be elementor-widget elementor-widget-text-editor\" data-id=\"66881be\" 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>Historiquement, l&rsquo;administration fiscale appliquait un taux forfaitaire fixe : 40 % de chaque rente per\u00e7ue \u00e9tait automatiquement ajout\u00e9 \u00e0 votre revenu imposable, quelle que soit la conjoncture \u00e9conomique.<\/p><p>D\u00e9sormais, le m\u00e9canisme repose sur une distinction \u00e9conomique claire entre le remboursement de votre capital et le rendement :<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bf99c4d elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"bf99c4d\" 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>La part de remboursement du capital (Exon\u00e9r\u00e9e) :<\/strong> La majeure partie de votre rente constitue simplement la restitution progressive de l'argent que vous avez vous-m\u00eame vers\u00e9. Elle n'est pas soumise \u00e0 l'imp\u00f4t sur le revenu.<\/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>La part de rendement (Imposable) :<\/strong> Seul le rendement technique est tax\u00e9 au titre du revenu. Ce pourcentage est d\u00e9fini par l'administration fiscale au moment de la signature de votre contrat, en fonction du niveau des taux d'int\u00e9r\u00eat en vigueur.<\/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>La participation aux exc\u00e9dents :<\/strong> Si votre contrat g\u00e9n\u00e8re des prestations exc\u00e9dentaires (des rendements additionnels attribu\u00e9s par l'assureur), celles-ci sont impos\u00e9es s\u00e9par\u00e9ment \u00e0 hauteur de 70 %.<\/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-cbecf2b elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"cbecf2b\" 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>Comment d\u00e9clarer ?<\/strong> Sur votre d\u00e9claration d'imp\u00f4t, vous indiquez la totalit\u00e9 (100 %) des montants per\u00e7us. C'est l'administration fiscale cantonale qui applique ensuite le pourcentage imposable officiel transmis par votre compagnie d'assurances.<\/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-3ceef34 elementor-widget elementor-widget-heading\" data-id=\"3ceef34\" 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\">Comparaison avec la rente du 2e pilier (LPP)<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0859f2e elementor-widget elementor-widget-text-editor\" data-id=\"0859f2e\" 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>Cette exon\u00e9ration de la part de capital est un avantage propre \u00e0 la pr\u00e9voyance priv\u00e9e (3b).\u00a0<\/p><p>\u00c0 l&rsquo;inverse, les rentes issues du <a href=\"http:\/\/invexa.swiss\/2eme-pilier\/\">2e pilier (LPP)<\/a>, ayant b\u00e9n\u00e9fici\u00e9 de d\u00e9ductions fiscales lors de votre vie active pendant la phase d&rsquo;\u00e9pargne, sont impos\u00e9es \u00e0 100 % comme un revenu.<\/p><p>Un <a href=\"http:\/\/invexa.swiss\/impot-retrait-2eme-pilier\/\">imp\u00f4t est \u00e9galement pr\u00e9lev\u00e9 sur le retrait du 2\u00e8me pilier<\/a>. Ajoutant \u00e0 cela les taux de conversions souvent bien plus bas que ceux appliqu\u00e9s par les caisses de pension, les rentes viag\u00e8res priv\u00e9es sont souvent moins int\u00e9ressantes que les rentes de la caisse de pension.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e7ce3a2 elementor-widget elementor-widget-heading\" data-id=\"e7ce3a2\" 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\">L'imp\u00f4t sur la fortune<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f20cb9c elementor-widget elementor-widget-text-editor\" data-id=\"f20cb9c\" 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>Sauf cas sp\u00e9cifiques, une police de rente viag\u00e8re n&rsquo;est <strong>pas soumise \u00e0 l&rsquo;imp\u00f4t sur la fortune<\/strong>, car aucune valeur de rachat n&rsquo;existe. Cela peut pr\u00e9senter un avantageuse pour les fortunes fortement impos\u00e9es.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0bffc73 elementor-widget elementor-widget-heading\" data-id=\"0bffc73\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Le co\u00fbt additionnel \u00e0 l'entr\u00e9e : Le droit de timbre (2,5 %)<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b1479e3 elementor-widget elementor-widget-text-editor\" data-id=\"b1479e3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-path-to-node=\"14\">C&rsquo;est l&rsquo;un des pi\u00e8ges les plus souvent n\u00e9glig\u00e9s au moment de souscrire une rente viag\u00e8re \u00e0 prime unique : le droit de timbre f\u00e9d\u00e9ral sur les primes d&rsquo;assurance.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3582b25 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"3582b25\" 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\">Pour un capital de <strong>CHF 200'000<\/strong> investi en rente viag\u00e8re, vous payez imm\u00e9diatement <strong>CHF 5'000<\/strong> de taxe f\u00e9d\u00e9rale d'entr\u00e9e.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg 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\">Pour un capital de <strong>CHF 1'000'000<\/strong>, ce pr\u00e9l\u00e8vement monte \u00e0 <strong>CHF 25'000<\/strong>.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-80fba7b elementor-widget elementor-widget-text-editor\" data-id=\"80fba7b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-path-to-node=\"14\">Les solutions de gestion priv\u00e9e (comme le Plan de revenus) ne rel\u00e8vent pas du droit de timbre sur les assurances, ce qui permet d&rsquo;investir 100 % de votre capital d\u00e8s le premier jour.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b513525 elementor-widget elementor-widget-heading\" data-id=\"b513525\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Les sp\u00e9cificit\u00e9s cantonales en Suisse romande<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-af92363 elementor-widget elementor-widget-text-editor\" data-id=\"af92363\" 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>Bien que le calcul de la part imposable de votre rente viag\u00e8re (3b) soit d\u00e9sormais harmonis\u00e9 au niveau f\u00e9d\u00e9ral par la loi sur l&rsquo;imposition des rentes, l&rsquo;impact fiscal net sur votre budget varie selon votre lieu de domicile.<\/p><p>Chaque canton romand (Vaud, Gen\u00e8ve, Valais, Fribourg, Neuch\u00e2tel, Jura) applique son propre bar\u00e8me d&rsquo;imposition sur le revenu et sur la fortune :<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-43c548f elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"43c548f\" 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>L'imp\u00f4t sur le revenu :<\/strong> La part imposable de la rente vient s'ajouter \u00e0 vos autres revenus (AVS, LPP, etc.). Selon le canton et la commune, le taux d'imposition marginal appliqu\u00e9 \u00e0 cette tranche sup\u00e9rieure peut varier sensiblement.<\/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>L'imp\u00f4t sur la fortune :<\/strong> La valeur de rachat de votre contrat de rente viag\u00e8re doit \u00eatre d\u00e9clar\u00e9e chaque ann\u00e9e. Les taux d'imposition sur la fortune varient fortement d'un canton \u00e0 l'autre (par exemple, le canton de Vaud ou de Gen\u00e8ve imposent la fortune plus lourdement que le Valais).<\/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-01062f8 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"01062f8\" 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\">Avant de souscrire une rente viag\u00e8re, il est indispensable de r\u00e9aliser une simulation fiscale tenant compte de votre canton et de votre commune de r\u00e9sidence pour conna\u00eetre le rendement net r\u00e9el qu'il vous restera chaque mois.<\/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-2707004 elementor-widget elementor-widget-heading\" data-id=\"2707004\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Les alternatives \u00e0 la rente viag\u00e8re : Panorama des solutions<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b313d2f elementor-widget elementor-widget-text-editor\" data-id=\"b313d2f\" 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><span class=\"citation-185 citation-end-185\">Face aux contraintes de la rente viag\u00e8re traditionnelle (capital perdu, rigidit\u00e9, droit de timbre), plusieurs alternatives s&rsquo;offrent aux futurs retrait\u00e9s suisses selon leurs priorit\u00e9s : s\u00e9curit\u00e9, transmission aux h\u00e9ritiers, flexibilit\u00e9 ou rendement.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-db1dd43 elementor-widget elementor-widget-heading\" data-id=\"db1dd43\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">1. La rente certaine (Dur\u00e9e d\u00e9termin\u00e9e)<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-71660be elementor-widget elementor-widget-text-editor\" data-id=\"71660be\" 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><b data-path-to-node=\"15\" data-index-in-node=\"0\"><span class=\"citation-184 citation-end-184\">Pour qui ?<\/span><\/b> <span class=\"citation-183 citation-end-183\">Ceux qui recherchent la s\u00e9curit\u00e9 d&rsquo;un revenu garanti, mais sur une p\u00e9riode pr\u00e9cise et sans perdre leur capital en cas de d\u00e9c\u00e8s pr\u00e9matur\u00e9.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b1ab757 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"b1ab757\" 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>Le principe :<\/strong> La part imposable de la rente vient s'ajouter \u00e0 vos autres revenus (AVS, LPP, etc.). Selon le canton et la commune, le taux d'imposition marginal appliqu\u00e9 \u00e0 cette tranche sup\u00e9rieure peut varier sensiblement.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Les avantages :<\/strong> Si vous d\u00e9c\u00e9dez avant la fin du contrat, les rentes restantes sont int\u00e9gralement vers\u00e9es \u00e0 vos h\u00e9ritiers. La fiscalit\u00e9 est \u00e9galement avantageuse (seule la part d'int\u00e9r\u00eats est tax\u00e9e).<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Les limites :<\/strong> Le versement s'arr\u00eate \u00e0 la fin du terme convenu. Il n'y a donc pas de couverture contre le risque de tr\u00e8s grande long\u00e9vit\u00e9 (au-del\u00e0 de la dur\u00e9e fix\u00e9e).<\/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-d4beee0 elementor-widget elementor-widget-button\" data-id=\"d4beee0\" 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-certaine\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-external-link-alt\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M432,320H400a16,16,0,0,0-16,16V448H64V128H208a16,16,0,0,0,16-16V80a16,16,0,0,0-16-16H48A48,48,0,0,0,0,112V464a48,48,0,0,0,48,48H400a48,48,0,0,0,48-48V336A16,16,0,0,0,432,320ZM488,0h-128c-21.37,0-32.05,25.91-17,41l35.73,35.73L135,320.37a24,24,0,0,0,0,34L157.67,377a24,24,0,0,0,34,0L435.28,133.32,471,169c15,15,41,4.5,41-17V24A24,24,0,0,0,488,0Z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Tout savoir sur la rente certaine suisse<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c4b3108 elementor-widget elementor-widget-heading\" data-id=\"c4b3108\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">2. L'investissement immobilier et les SCPI<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e2ba6cb elementor-widget elementor-widget-text-editor\" data-id=\"e2ba6cb\" 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><b data-path-to-node=\"18\" data-index-in-node=\"0\"><span class=\"citation-176 citation-end-176\">Pour qui ?<\/span><\/b> <span class=\"citation-175 citation-end-175\">Ceux qui souhaitent g\u00e9n\u00e9rer un revenu compl\u00e9mentaire tout en conservant leur capital de d\u00e9part intact pour leurs h\u00e9ritiers.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6527d0a elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"6527d0a\" 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>Le principe :<\/strong> Placer son capital dans des fonds immobiliers suisses ou des SCPI (Soci\u00e9t\u00e9s Civiles de Placement Immobilier) afin de percevoir des distributions r\u00e9guli\u00e8res bas\u00e9es sur les loyers encaiss\u00e9s.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Les avantages :<\/strong> Le capital n'est pas consomm\u00e9 et continue d'\u00e9voluer avec le march\u00e9 immobilier. Les revenus locatifs offrent une protection naturelle contre l'inflation.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Les limites :<\/strong> Attention au risque de change pour les placements en euros (comme les SCPI fran\u00e7aises), aux frais de gestion et \u00e0 la liquidit\u00e9 qui est moins imm\u00e9diate qu'un compte bancaire.<\/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-3ea3e6b elementor-widget elementor-widget-heading\" data-id=\"3ea3e6b\" 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 retrait \u00e9chelonn\u00e9 classique<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a0737e elementor-widget elementor-widget-text-editor\" data-id=\"4a0737e\" 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><b data-path-to-node=\"21\" data-index-in-node=\"0\"><span class=\"citation-169 citation-end-169\">Pour qui ?<\/span><\/b> Ceux qui exigent une libert\u00e9 totale d&rsquo;acc\u00e8s \u00e0 leurs avoirs \u00e0 tout moment.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-64b9cf7 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"64b9cf7\" 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>Le principe :<\/strong> Votre capital reste d\u00e9pos\u00e9 sur un compte de placement ou un mandat de gestion, et vous programmez des retraits p\u00e9riodiques pour compl\u00e9ter votre rente AVS.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Les avantages :<\/strong> Aucun droit de timbre de 2,5 % \u00e0 l'entr\u00e9e. Vous pouvez modifier, suspendre ou augmenter vos retraits selon vos besoins impr\u00e9vus.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Les limites :<\/strong> Vous assumez seul le risque d'\u00e9puiser votre capital trop vite si les march\u00e9s financiers baissent ou si votre esp\u00e9rance de vie d\u00e9passe vos pr\u00e9visions.<\/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-ecb6a68 elementor-widget elementor-widget-heading\" data-id=\"ecb6a68\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">4. Le plan de revenus personnalis\u00e9<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-991faf7 elementor-widget elementor-widget-text-editor\" data-id=\"991faf7\" 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><b data-path-to-node=\"21\" data-index-in-node=\"0\"><span class=\"citation-169 citation-end-169\">Pour qui ?<\/span><\/b> La majorit\u00e9 des retrait\u00e9s cherchant le meilleur compromis entre s\u00e9curit\u00e9, rendement, transmission et flexibilit\u00e9.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d31354a elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"d31354a\" 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>Le principe :<\/strong> Au lieu de tout sacrifier aupr\u00e8s d'un seul assureur, le capital est structur\u00e9 via une part s\u00e9curis\u00e9e r\u00e9mun\u00e9r\u00e9e (entre 10 et 90%), et une part de rendement investie dans des fonds diversifi\u00e9s \u00e0 faibles frais.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Les avantages :<\/strong> Pas de droit de timbre de 2,5 % (\u00e9conomie imm\u00e9diate de CHF 5'000 sur CHF 200'000 d'investissement). Le capital restant est transmis \u00e0 100 % \u00e0 vos proches en cas de d\u00e9c\u00e8s, et vous conservez le contr\u00f4le total de votre argent (retrait partiels et totaux).<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Les limites :<\/strong> En fonction de la part d'actions d\u00e9finie, un risque de march\u00e9 existe et peut r\u00e9duire montant des rentes.<\/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-0d43537 elementor-widget elementor-widget-heading\" data-id=\"0d43537\" 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\">Tableau comparatif des alternatives \u00e0 la retraite<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6987c82 elementor-widget elementor-widget-text-editor\" data-id=\"6987c82\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Les cotisations au 2\u00e8me pilier (LPP) sont calcul\u00e9es sur le <strong>salaire annuel<\/strong> dit <strong>coordonn\u00e9<\/strong> (c\u2019est-\u00e0-dire apr\u00e8s d\u00e9duction d\u2019un montant fixe appel\u00e9 d\u00e9duction de coordination, <strong>CHF 26&rsquo;460<\/strong> en 2026). Elles sont partag\u00e9es entre l\u2019employeur et l\u2019employ\u00e9, l\u2019employeur devant payer au moins la moiti\u00e9 (sauf pour les ind\u00e9pendants qui doivent payer l&rsquo;enti\u00e8ret\u00e9 des cotisations). Les cotisations comprennent plusieurs composantes, dont l\u2019\u00e9pargne vieillesse, les risques et les frais.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-45642c3 elementor-widget elementor-widget-html\" data-id=\"45642c3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"Table\",\n  \"name\": \"Comparatif des solutions de revenus \u00e0 la retraite en Suisse 2026\",\n  \"description\": \"Tableau comparatif entre rente viag\u00e8re 3b, rente certaine, immobilier\/SCPI et plan de revenus : garantie, fiscalit\u00e9, transmission, flexibilit\u00e9 et rendement.\",\n  \"keywords\": [\"rente viag\u00e8re vs immobilier\", \"alternatives rente viag\u00e8re suisse\", \"plan de revenus retraite suisse\", \"comparatif revenus retraite 2026\"]\n}\n<\/script>\n<div class=\"t\">\n  <table style=\"table-layout:fixed;\">\n    <colgroup>\n      <col style=\"width:18%;\">\n      <col style=\"width:20.5%;\">\n      <col style=\"width:20.5%;\">\n      <col style=\"width:20.5%;\">\n      <col style=\"width:20.5%;\">\n    <\/colgroup>\n    <caption style=\"display:none\">Comparatif des solutions de revenus \u00e0 la retraite en Suisse 2026 \u2014 rente viag\u00e8re, rente certaine, immobilier\/SCPI et plan de revenus<\/caption>\n    <thead>\n      <tr>\n        <th scope=\"col\">Crit\u00e8re<\/th>\n        <th scope=\"col\">Rente viag\u00e8re (3b)<\/th>\n        <th scope=\"col\">Rente certaine<\/th>\n        <th scope=\"col\">Immobilier \/ SCPI<\/th>\n        <th scope=\"col\">Plan de revenus<\/th>\n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr>\n        <td>Garantie de versement<\/td>\n        <td data-label=\"Rente viag\u00e8re (3b)\"><span class=\"frais-low\">\u00c0 vie<\/span><\/td>\n        <td data-label=\"Rente certaine\">Dur\u00e9e fixe (ex: 10 \u00e0 20 ans)<\/td>\n        <td data-label=\"Immobilier \/ SCPI\">Variable (selon loyers per\u00e7us)<\/td>\n        <td data-label=\"Plan de revenus\">Dur\u00e9e d\u00e9finie (10 \u00e0 30 ans)<\/td>\n      <\/tr>\n      <tr>\n        <td>Droit de timbre (2,5 %)<\/td>\n        <td data-label=\"Rente viag\u00e8re (3b)\">Oui (ex: CHF 5'000 sur CHF 200k)<\/td>\n        <td data-label=\"Rente certaine\"><span class=\"frais-low\">Non (0 CHF)<\/span><\/td>\n        <td data-label=\"Immobilier \/ SCPI\"><span class=\"frais-low\">Non (0 CHF)<\/span><\/td>\n        <td data-label=\"Plan de revenus\"><span class=\"frais-low\">Non (0 CHF)<\/span><\/td>\n      <\/tr>\n      <tr>\n        <td>Capital au d\u00e9c\u00e8s<\/td>\n        <td data-label=\"Rente viag\u00e8re (3b)\">Conserv\u00e9 par l'assureur<\/td>\n        <td data-label=\"Rente certaine\">Vers\u00e9 aux h\u00e9ritiers (solde)<\/td>\n        <td data-label=\"Immobilier \/ SCPI\"><span class=\"frais-low\">Conserv\u00e9 et transmissible<\/span><\/td>\n        <td data-label=\"Plan de revenus\"><span class=\"frais-low\">Transmis \u00e0 100 % aux h\u00e9ritiers<\/span><\/td>\n      <\/tr>\n      <tr>\n        <td>Flexibilit\u00e9 & Retraits<\/td>\n        <td data-label=\"Rente viag\u00e8re (3b)\">Impossible<\/td>\n        <td data-label=\"Rente certaine\">Nulle<\/td>\n        <td data-label=\"Immobilier \/ SCPI\">Revente de parts<\/td>\n        <td data-label=\"Plan de revenus\"><span class=\"frais-low\">Totale (retraits partiels\/totaux)<\/span><\/td>\n      <\/tr>\n      <tr>\n        <td>Protection contre l'inflation<\/td>\n        <td data-label=\"Rente viag\u00e8re (3b)\">Non (rente fixe)<\/td>\n        <td data-label=\"Rente certaine\">Non<\/td>\n        <td data-label=\"Immobilier \/ SCPI\"><span class=\"frais-low\">Oui (indexation des loyers)<\/span><\/td>\n        <td data-label=\"Plan de revenus\"><span class=\"frais-low\">Oui (part investie en fonds)<\/span><\/td>\n      <\/tr>\n      <tr>\n        <td>Rendement potentiel<\/td>\n        <td data-label=\"Rente viag\u00e8re (3b)\">Faible<\/td>\n        <td data-label=\"Rente certaine\">Faible<\/td>\n        <td data-label=\"Immobilier \/ SCPI\">Mod\u00e9r\u00e9 \u00e0 \u00e9lev\u00e9<\/td>\n        <td data-label=\"Plan de revenus\"><span class=\"frais-low\">Optimis\u00e9 selon profil (march\u00e9s + garantie)<\/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-3246c37 elementor-cta--layout-image-left elementor-cta--skin-classic elementor-animated-content elementor-bg-transform elementor-bg-transform-zoom-in elementor-widget elementor-widget-call-to-action\" data-id=\"3246c37\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"call-to-action.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-cta\">\n\t\t\t\t\t\t\t<div class=\"elementor-cta__content\">\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-cta__title elementor-cta__content-item elementor-content-item\">\n\t\t\t\t\t\tQuelle strat\u00e9gie adopter pour votre capital de retraite ?\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-cta__description elementor-cta__content-item elementor-content-item\">\n\t\t\t\t\t\tRente viag\u00e8re, plan de retrait ou investissement immobilier : chaque solution r\u00e9pond \u00e0 des besoins diff\u00e9rents.\n\nNos experts vous aident \u00e0 comparer objectivement les meilleures options du march\u00e9 suisse pour faire le bon choix.\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-cta__button-wrapper elementor-cta__content-item elementor-content-item \">\n\t\t\t\t\t<a class=\"elementor-cta__button elementor-button elementor-size-\" href=\"http:\/\/invexa.swiss\/planifier-un-rendez-vous\/\">\n\t\t\t\t\t\tPlanifier une analyse patrimoniale\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-545de92 elementor-widget elementor-widget-heading\" data-id=\"545de92\" 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-5a8c420 elementor-widget elementor-widget-n-accordion\" data-id=\"5a8c420\" 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-9490\" 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-9490\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Puis-je transformer un capital LPP ou 3a en Plan de Revenus \u00e0 la retraite ? <\/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-9490\" class=\"elementor-element elementor-element-35725f9 e-con-full e-flex e-con e-child\" data-id=\"35725f9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dc52b7b elementor-widget elementor-widget-text-editor\" data-id=\"dc52b7b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Oui. Lors de votre d\u00e9part \u00e0 la retraite, vous pouvez choisir de retirer vos avoirs du 2e pilier (LPP) ou du 3e pilier li\u00e9 (3a) sous forme de capital.<\/p><p>Une fois ce capital vers\u00e9 sur votre compte priv\u00e9, vous \u00eates libre de le r\u00e9investir dans un Plan de Revenus Personnalis\u00e9 pour g\u00e9n\u00e9rer vos rentes mensuelles, tout en \u00e9vitant le droit de timbre de 2,5 % propre aux assurances.<\/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-9491\" 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-9491\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Comment le Plan de Revenus \u00e9vite-t-il le droit de timbre de 2,5 % ? <\/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-9491\" class=\"elementor-element elementor-element-15386d9 e-con-full e-flex e-con e-child\" data-id=\"15386d9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9249edb elementor-widget elementor-widget-text-editor\" data-id=\"9249edb\" 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 droit de timbre f\u00e9d\u00e9ral de 2,5 % s&rsquo;applique exclusivement sur les primes uniques des contrats d&rsquo;assurance-vie et de rente viag\u00e8re (3b). Le Plan de Revenus constitue un placement, qui est totalement <strong>exon\u00e9r\u00e9e de cette taxe f\u00e9d\u00e9rale d&rsquo;entr\u00e9e<\/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-9492\" 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-9492\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Que devient mon capital en cas de d\u00e9c\u00e8s pr\u00e9matur\u00e9 ? <\/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-9492\" class=\"elementor-element elementor-element-274ec49 e-con-full e-flex e-con e-child\" data-id=\"274ec49\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5faeb63 elementor-widget elementor-widget-text-editor\" data-id=\"5faeb63\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Dans une rente viag\u00e8re classique sans option co\u00fbteuse, le capital restant est conserv\u00e9 par l&rsquo;assureur. Avec le Plan de Revenus, l&rsquo;int\u00e9gralit\u00e9 du capital non encore consomm\u00e9 ainsi que les rendements accumul\u00e9s restent votre propri\u00e9t\u00e9 et sont transmis \u00e0 100 % \u00e0 vos h\u00e9ritiers ou b\u00e9n\u00e9ficiaires d\u00e9sign\u00e9s.<\/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-9493\" 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-9493\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Comment passer d'une rente viag\u00e8re d\u00e9j\u00e0 bloqu\u00e9e \u00e0 un plan de revenus ? <\/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-9493\" class=\"elementor-element elementor-element-70d0939 e-con-full e-flex e-con e-child\" data-id=\"70d0939\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-880e665 elementor-widget elementor-widget-text-editor\" data-id=\"880e665\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Une rente viag\u00e8re d\u00e9j\u00e0 activ\u00e9e est g\u00e9n\u00e9ralement irr\u00e9vocable : le capital a \u00e9t\u00e9 c\u00e9d\u00e9 \u00e0 l&rsquo;assureur. En revanche, si vous n&rsquo;avez pas encore converti votre capital, une analyse comparative avant toute d\u00e9cision permet d&rsquo;\u00e9viter un engagement d\u00e9finitif mal adapt\u00e9 \u00e0 votre situation. Si une partie de votre capital reste disponible ailleurs, elle peut \u00eatre structur\u00e9e en Plan de Revenus en compl\u00e9ment.<\/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-9494\" 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-9494\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Puis-je l\u00e9guer le capital restant de ma rente viag\u00e8re ? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M34.9 289.5l-22.2-22.2c-9.4-9.4-9.4-24.6 0-33.9L207 39c9.4-9.4 24.6-9.4 33.9 0l194.3 194.3c9.4 9.4 9.4 24.6 0 33.9L413 289.4c-9.5 9.5-25 9.3-34.3-.4L264 168.6V456c0 13.3-10.7 24-24 24h-32c-13.3 0-24-10.7-24-24V168.6L69.2 289.1c-9.3 9.8-24.8 10-34.3.4z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M413.1 222.5l22.2 22.2c9.4 9.4 9.4 24.6 0 33.9L241 473c-9.4 9.4-24.6 9.4-33.9 0L12.7 278.6c-9.4-9.4-9.4-24.6 0-33.9l22.2-22.2c9.5-9.5 25-9.3 34.3.4L184 343.4V56c0-13.3 10.7-24 24-24h32c13.3 0 24 10.7 24 24v287.4l114.8-120.5c9.3-9.8 24.8-10 34.3-.4z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9494\" class=\"elementor-element elementor-element-c0e920e e-con-full e-flex e-con e-child\" data-id=\"c0e920e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2a6dcd1 elementor-widget elementor-widget-text-editor\" data-id=\"2a6dcd1\" 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>Sans option de restitution, non : le capital c\u00e9d\u00e9 \u00e0 l&rsquo;assureur n&rsquo;est pas transmissible, et les versements s&rsquo;arr\u00eatent au d\u00e9c\u00e8s. Avec une clause de restitution, une partie du capital non consomm\u00e9 peut revenir \u00e0 vos h\u00e9ritiers, moyennant une rente mensuelle r\u00e9duite.<\/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-9495\" 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-9495\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Le droit de timbre s'applique-t-il aussi aux SCPI ou au Plan de Revenus ? <\/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-9495\" class=\"elementor-element elementor-element-6093877 e-con-full e-flex e-con e-child\" data-id=\"6093877\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8067fde elementor-widget elementor-widget-text-editor\" data-id=\"8067fde\" 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 class=\"font-claude-response-body break-words whitespace-normal\" dir=\"ltr\">Non. Ce droit de timbre de 2,5 % est sp\u00e9cifique aux contrats d&rsquo;assurance financ\u00e9s par prime unique, comme la rente viag\u00e8re. Il ne s&rsquo;applique ni aux SCPI, ni aux rentes certaines, ni aux solutions de placement classiques utilis\u00e9es dans un Plan de Revenus.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Puis-je transformer un capital LPP ou 3a en Plan de Revenus \\u00e0 la retraite ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui. Lors de votre d\\u00e9part \\u00e0 la retraite, vous pouvez choisir de retirer vos avoirs du 2e pilier (LPP) ou du 3e pilier li\\u00e9 (3a) sous forme de capital.Une fois ce capital vers\\u00e9 sur votre compte priv\\u00e9, vous \\u00eates libre de le r\\u00e9investir dans un Plan de Revenus Personnalis\\u00e9 pour g\\u00e9n\\u00e9rer vos rentes mensuelles, tout en \\u00e9vitant le droit de timbre de 2,5 % propre aux assurances.\"}},{\"@type\":\"Question\",\"name\":\"Comment le Plan de Revenus \\u00e9vite-t-il le droit de timbre de 2,5 % ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Le droit de timbre f\\u00e9d\\u00e9ral de 2,5 % s&rsquo;applique exclusivement sur les primes uniques des contrats d&rsquo;assurance-vie et de rente viag\\u00e8re (3b). Le Plan de Revenus constitue un placement, qui est totalement exon\\u00e9r\\u00e9e de cette taxe f\\u00e9d\\u00e9rale d&rsquo;entr\\u00e9e.\"}},{\"@type\":\"Question\",\"name\":\"Que devient mon capital en cas de d\\u00e9c\\u00e8s pr\\u00e9matur\\u00e9 ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Dans une rente viag\\u00e8re classique sans option co\\u00fbteuse, le capital restant est conserv\\u00e9 par l&rsquo;assureur. Avec le Plan de Revenus, l&rsquo;int\\u00e9gralit\\u00e9 du capital non encore consomm\\u00e9 ainsi que les rendements accumul\\u00e9s restent votre propri\\u00e9t\\u00e9 et sont transmis \\u00e0 100 % \\u00e0 vos h\\u00e9ritiers ou b\\u00e9n\\u00e9ficiaires d\\u00e9sign\\u00e9s.\"}},{\"@type\":\"Question\",\"name\":\"Comment passer d'une rente viag\\u00e8re d\\u00e9j\\u00e0 bloqu\\u00e9e \\u00e0 un plan de revenus ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Une rente viag\\u00e8re d\\u00e9j\\u00e0 activ\\u00e9e est g\\u00e9n\\u00e9ralement irr\\u00e9vocable : le capital a \\u00e9t\\u00e9 c\\u00e9d\\u00e9 \\u00e0 l&rsquo;assureur. En revanche, si vous n&rsquo;avez pas encore converti votre capital, une analyse comparative avant toute d\\u00e9cision permet d&rsquo;\\u00e9viter un engagement d\\u00e9finitif mal adapt\\u00e9 \\u00e0 votre situation. Si une partie de votre capital reste disponible ailleurs, elle peut \\u00eatre structur\\u00e9e en Plan de Revenus en compl\\u00e9ment.\"}},{\"@type\":\"Question\",\"name\":\"Puis-je l\\u00e9guer le capital restant de ma rente viag\\u00e8re ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Sans option de restitution, non : le capital c\\u00e9d\\u00e9 \\u00e0 l&rsquo;assureur n&rsquo;est pas transmissible, et les versements s&rsquo;arr\\u00eatent au d\\u00e9c\\u00e8s. Avec une clause de restitution, une partie du capital non consomm\\u00e9 peut revenir \\u00e0 vos h\\u00e9ritiers, moyennant une rente mensuelle r\\u00e9duite.\"}},{\"@type\":\"Question\",\"name\":\"Le droit de timbre s'applique-t-il aussi aux SCPI ou au Plan de Revenus ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Non. Ce droit de timbre de 2,5 % est sp\\u00e9cifique aux contrats d&rsquo;assurance financ\\u00e9s par prime unique, comme la rente viag\\u00e8re. Il ne s&rsquo;applique ni aux SCPI, ni aux rentes certaines, ni aux solutions de placement classiques utilis\\u00e9es dans un Plan de Revenus.\"}}]}<\/script>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>La rente viag\u00e8re transforme un capital en revenu garanti jusqu&rsquo;au d\u00e9c\u00e8s. C&rsquo;est une solution rassurante, mais elle a un co\u00fbt souvent sous-estim\u00e9 : perte d\u00e9finitive de la propri\u00e9t\u00e9 du capital, rigidit\u00e9 totale, droit de timbre \u00e0 l&rsquo;entr\u00e9e, et un rendement qui reste modeste une fois tous les frais pris en compte. Avant de vous engager, il existe des alternatives qui offrent une s\u00e9curit\u00e9 comparable tout en pr\u00e9servant votre capital et sa transmission \u00e0 vos proches.<\/p>","protected":false},"author":1,"featured_media":1165,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[21],"tags":[11],"class_list":["post-293","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-retraite","tag-3b"],"_links":{"self":[{"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/posts\/293","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=293"}],"version-history":[{"count":16,"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/posts\/293\/revisions"}],"predecessor-version":[{"id":2293,"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/posts\/293\/revisions\/2293"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/media\/1165"}],"wp:attachment":[{"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/media?parent=293"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/categories?post=293"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/tags?post=293"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}