{"id":295,"date":"2026-07-28T09:41:54","date_gmt":"2026-07-28T09:41:54","guid":{"rendered":"https:\/\/invexa.swiss\/?p=295"},"modified":"2026-08-24T13:36:57","modified_gmt":"2026-08-24T13:36:57","slug":"3rd-pillar-bank-or-insurance","status":"publish","type":"post","link":"https:\/\/invexa.swiss\/en\/3eme-pilier-banque-ou-assurance\/","title":{"rendered":"3rd pillar A: bank or insurance? 2026 comparison"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"295\" class=\"elementor elementor-295\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c00ba45 e-con-full e-flex e-con e-parent\" data-id=\"c00ba45\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-0c16ab5 e-con-full e-flex e-con e-child\" data-id=\"0c16ab5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-2361cba e-con-full e-flex e-con e-child\" data-id=\"2361cba\" 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-c515f4a elementor-widget elementor-widget-heading\" data-id=\"c515f4a\" 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\">L'essentiel en bref<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1296297 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"1296297\" 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>3\u00e8me pilier A bancaire<\/strong> : flexibilit\u00e9 totale des versements, 100 % de l'\u00e9pargne investie, sans couverture de risque<\/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>3\u00e8me pilier A assurance<\/strong> : \u00e9pargne combin\u00e9e \u00e0 une protection d\u00e9c\u00e8s\/invalidit\u00e9, avec lib\u00e9ration des primes en cas d'incapacit\u00e9 de gain<\/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>Co\u00fbt r\u00e9el<\/strong> : l'assurance n'est pas plus ch\u00e8re par nature \u2014 le surco\u00fbt n'intervient qu'en cas de r\u00e9siliation anticip\u00e9e, o\u00f9 la valeur de rachat peut \u00eatre inf\u00e9rieure aux primes vers\u00e9es<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg 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>Frais bancaires (TER)<\/strong> : entre 0.25 % et 1.60 % par an selon le fonds<\/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>Frais assurance (r\u00e9duction de rendement)<\/strong> : entre 0.5 % et 2.10 % par an, frais de fonds compris<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Plafond 2026<\/strong> : 7'258 CHF\/an pour les salari\u00e9s avec caisse de pension, jusqu'\u00e0 36'288 CHF\/an (ou 20 % du revenu net) pour les ind\u00e9pendants sans 2\u00e8me pilier<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Il est possible de <strong>combiner les deux<\/strong> : un contrat bancaire pour le rendement, un contrat assurance pour la protection<\/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-e1f2b2b elementor-widget elementor-widget-heading\" data-id=\"e1f2b2b\" 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 que le 3\u00e8me pilier A en Suisse ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8c4e036 elementor-widget elementor-widget-text-editor\" data-id=\"8c4e036\" 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 <a href=\"http:\/\/invexa.swiss\/3eme-pilier\/\">3\u00e8me pilier<\/a> fait partie int\u00e9grante du <a href=\"http:\/\/invexa.swiss\/retraite-suisse\/\">syst\u00e8me de pr\u00e9voyance suisse<\/a>, aux c\u00f4t\u00e9s de l&rsquo;<a href=\"http:\/\/invexa.swiss\/avs-rentes-montants-cotisations\/\">AVS (1er pilier)<\/a> et de la <a href=\"http:\/\/invexa.swiss\/2eme-pilier\/\">pr\u00e9voyance professionnelle (2\u00e8me pilier)<\/a>. Il s&rsquo;agit d&rsquo;une \u00e9pargne volontaire destin\u00e9e \u00e0 am\u00e9liorer le niveau de vie \u00e0 la retraite, tout en offrant des avantages fiscaux. On distingue deux formes : le <a href=\"http:\/\/invexa.swiss\/pilier-3a\/\">pilier 3a<\/a>, dit \u00ab li\u00e9 \u00bb, et le <a href=\"http:\/\/invexa.swiss\/pilier-3b\/\">3b<\/a>, dit \u00ab libre \u00bb.<\/p><p>Le pilier 3a est r\u00e9serv\u00e9 aux personnes disposant d&rsquo;un <strong>revenu soumis \u00e0 l&rsquo;AVS<\/strong> et permet de d\u00e9duire les montants vers\u00e9s de son revenu imposable, dans la limite du plafond annuel. Il r\u00e9pond \u00e0 trois objectifs principaux : compl\u00e9ter sa retraite, optimiser sa fiscalit\u00e9, et prot\u00e9ger ses proches en cas de coup dur.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b93222f elementor-widget elementor-widget-heading\" data-id=\"b93222f\" 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\">3\u00e8me pilier A en banque : fonctionnement, avantages et inconv\u00e9nients\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d79e587 elementor-widget elementor-widget-text-editor\" data-id=\"d79e587\" 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>Opter pour une solution bancaire est un choix pris\u00e9 par les \u00e9pargnants qui recherchent avant tout de la flexibilit\u00e9 et des possibilit\u00e9s d&rsquo;investissement.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2325bcb elementor-widget elementor-widget-heading\" data-id=\"2325bcb\" 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\">Flexibilit\u00e9 des versements<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-923b783 elementor-widget elementor-widget-text-editor\" data-id=\"923b783\" 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 d\u00e9p\u00f4ts sont <strong>libres<\/strong>, vous pouvez donc ajuster vos contributions selon votre budget et vos besoins. Vous pouvez stopper ou reprendre vos versements \u00e0 tout moment.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4e237c1 elementor-widget elementor-widget-heading\" data-id=\"4e237c1\" 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\">Limites et inconv\u00e9nients<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-68a1b0c elementor-widget elementor-widget-text-editor\" data-id=\"68a1b0c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tContrairement aux solutions d\u2019assurance, un 3\u00e8me pilier bancaire ne propose pas de couverture en cas de d\u00e9c\u00e8s ou d\u2019invalidit\u00e9, et les rendements d\u00e9pendent fortement des march\u00e9s financiers pour les solutions d\u2019investissement, ce qui peut engendrer des pertes en p\u00e9riode de crise.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9b52aa1 elementor-widget elementor-widget-heading\" data-id=\"9b52aa1\" 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\">Cotisations affect\u00e9es \u00e0 100% \u00e0 l'\u00e9pargne<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eab20e2 elementor-widget elementor-widget-text-editor\" data-id=\"eab20e2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>L\u2019int\u00e9gralit\u00e9 des montants vers\u00e9s est affect\u00e9e \u00e0 l\u2019\u00e9pargne, sans ponction li\u00e9e \u00e0 une couverture de risque. Cela en fait une solution particuli\u00e8rement adapt\u00e9e aux jeunes actifs sans charge de famille, qui privil\u00e9gient la libert\u00e9 et les faibles frais de gestion.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f3ca5d4 elementor-widget elementor-widget-heading\" data-id=\"f3ca5d4\" 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\">Compte \u00e9pargne 3a vs fonds de placement<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ffa1de3 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"ffa1de3\" 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>Compte \u00e9pargne 3a :<\/strong> la forme la plus simple, avec un capital d\u00e9pos\u00e9 sur un compte bloqu\u00e9 \u00e0 taux fixe (actuellement inf\u00e9rieur \u00e0 1 %). Grande s\u00e9curit\u00e9 du capital, mais rendement g\u00e9n\u00e9ralement inf\u00e9rieur \u00e0 l'inflation sur le long terme \u2014 adapt\u00e9 si un retrait est pr\u00e9vu dans les 5 ans, par exemple pour un achat immobilier.<\/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>Fonds de pr\u00e9voyance 3a :<\/strong> l'avoir est investi sur les march\u00e9s financiers via des fonds diversifi\u00e9s (ETF, actions, obligations, immobilier), selon un profil prudent, \u00e9quilibr\u00e9 ou offensif. Le capital n'est pas garanti, mais les investissements en actions offrent historiquement de meilleurs rendements sur le long terme que les produits \u00e0 taux fixe.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3ae0820 e-con-full e-flex e-con e-child\" data-id=\"3ae0820\" 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-1017903 elementor-widget elementor-widget-heading\" data-id=\"1017903\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Avantages du 3a bancaire<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ac37337 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"ac37337\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>Flexibilit\u00e9:<\/b> vous d\u00e9cidez de ce que vous voulez verser en tout temps<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>100% \u00e9pargne:<\/b> ce que vous versez est directement affect\u00e9 \u00e0 l'\u00e9pargne<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>Frais r\u00e9duits:<\/b> les frais de gestion sont souvent inf\u00e9rieurs et vous ne payez pas de couverture de risque<\/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-c37a4c2 elementor-widget elementor-widget-heading\" data-id=\"c37a4c2\" 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\">3\u00e8me pilier A en assurance : fonctionnement, avantages et inconv\u00e9nients<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-beea68b elementor-widget elementor-widget-text-editor\" data-id=\"beea68b\" 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\">Choisir une solution d&rsquo;assurance permet de combiner \u00e9pargne et protection, avec des garanties en cas de d\u00e9c\u00e8s ou d&rsquo;invalidit\u00e9.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5915db1 elementor-widget elementor-widget-heading\" data-id=\"5915db1\" 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\">\u00c9pargne et protection combin\u00e9es<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7880f42 elementor-widget elementor-widget-text-editor\" data-id=\"7880f42\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>En cas de d\u00e9c\u00e8s, le capital pr\u00e9vu est vers\u00e9 directement aux b\u00e9n\u00e9ficiaires selon l&rsquo;OPP3. En cas d\u2019invalidit\u00e9, l\u2019assurance prend g\u00e9n\u00e9ralement en charge les primes, permettant de maintenir l\u2019\u00e9pargne jusqu\u2019\u00e0 l\u2019\u00e9ch\u00e9ance pr\u00e9vue.<\/p><p>Il \u00e9galement possible d&rsquo;ajouter des garanties telles que: rente en cas d&rsquo;incapacit\u00e9 de gain, rente en cas de d\u00e9c\u00e8s, capital en cas d&rsquo;invalidit\u00e9, capital en cas de naissance, etc.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ec65db9 elementor-widget elementor-widget-heading\" data-id=\"ec65db9\" 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\">Engagement \u00e0 long terme et co\u00fbt en cas de r\u00e9siliation anticip\u00e9e<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-759a2ba elementor-widget elementor-widget-text-editor\" data-id=\"759a2ba\" 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>C&rsquo;est le point le plus mal compris du 3a en assurance : <strong>l&rsquo;assurance n&rsquo;est pas plus ch\u00e8re que la banque par nature<\/strong>. Les fonds passifs choisis par les assureurs ont souvent des TER comparables, voire inf\u00e9rieurs, \u00e0 ceux des solutions bancaires.<\/p><p>Le vrai co\u00fbt appara\u00eet uniquement <strong>en cas de r\u00e9siliation anticip\u00e9e<\/strong> : les assureurs appliquent un mod\u00e8le de frais anticip\u00e9s, o\u00f9 une partie importante des co\u00fbts est pr\u00e9lev\u00e9e d\u00e8s les premi\u00e8res ann\u00e9es. La valeur de rachat est donc plus faible en d\u00e9but de contrat, avant de rattraper progressivement le capital vers\u00e9. R\u00e9silier t\u00f4t peut ainsi entra\u00eener une perte, ce qui n&rsquo;existe pas avec une solution bancaire, o\u00f9 vous pouvez interrompre les versements sans aucune p\u00e9nalit\u00e9.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4f7f914 elementor-widget elementor-widget-heading\" data-id=\"4f7f914\" 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\">Rendements garantis<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9247d41 elementor-widget elementor-widget-text-editor\" data-id=\"9247d41\" 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 solutions d\u2019assurance offrent souvent un rendement minimum garanti, ce qui r\u00e9duit le risque de perte de capital. Certaines formules incluent des participations aux exc\u00e9dents, permettant de b\u00e9n\u00e9ficier d\u2019un rendement compl\u00e9mentaire.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5121b1e elementor-widget elementor-widget-heading\" data-id=\"5121b1e\" 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\">Participation aux exc\u00e9dents<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f01e2ef elementor-widget elementor-widget-text-editor\" data-id=\"f01e2ef\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Dans le cadre d\u2019un 3\u00e8me pilier assurance, l\u2019assur\u00e9 peut b\u00e9n\u00e9ficier d\u2019une <strong>participation aux exc\u00e9dents<\/strong>. Cela signifie que si l\u2019assureur r\u00e9alise de <strong>meilleures performances<\/strong> financi\u00e8res que pr\u00e9vu, une partie de ces b\u00e9n\u00e9fices est redistribu\u00e9e aux clients sous forme de rendement compl\u00e9mentaire. Cette participation n\u2019est parfois pas garantie, mais elle am\u00e9liore le rendement global \u00e0 long terme.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-08db050 elementor-widget elementor-widget-heading\" data-id=\"08db050\" 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\">Lib\u00e9ration des primes en cas d\u2019incapacit\u00e9 de gain<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b4fd37d elementor-widget elementor-widget-text-editor\" data-id=\"b4fd37d\" 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>Un autre avantage d&rsquo;un 3\u00e8me pilier assurantiel est la <strong>lib\u00e9ration des primes en cas d\u2019incapacit\u00e9 de gain<\/strong>. Concr\u00e8tement, si l\u2019assur\u00e9 devient inapte \u00e0 travailler pour des raisons m\u00e9dicales, l\u2019assurance prend le relais et continue d\u2019alimenter le contrat \u00e0 sa place. L\u2019\u00e9pargne se poursuit donc normalement, sans que l\u2019assur\u00e9 n\u2019ait \u00e0 verser de nouvelles primes, ce qui garantit la constitution du capital m\u00eame en cas de coup dur.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0477ae6 elementor-widget elementor-widget-heading\" data-id=\"0477ae6\" 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\">Assurance-vie mixte, en fonds et 3a flexible<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e0d89a3 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"e0d89a3\" 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>Assurance-vie mixte classique :<\/strong> les primes financent \u00e0 la fois une \u00e9pargne \u00e0 taux garanti et une couverture d\u00e9c\u00e8s\/invalidit\u00e9. Au terme du contrat, l'assur\u00e9 r\u00e9cup\u00e8re le capital constitu\u00e9, les int\u00e9r\u00eats garantis et une \u00e9ventuelle participation aux exc\u00e9dents. Rendement g\u00e9n\u00e9ralement plus faible que la solution bancaire, en raison des frais li\u00e9s \u00e0 la couverture de risque.<\/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>Assurance-vie mixte en fonds :<\/strong> la partie \u00e9pargne est investie sur les march\u00e9s via des fonds, tout en conservant une couverture de risque. Potentiel de rendement sup\u00e9rieur \u00e0 la formule classique, mais la valeur de rachat peut fluctuer \u00e0 la baisse selon les march\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>3a flexible :<\/strong> formule modulable o\u00f9 l'\u00e9pargne est plac\u00e9e en fonds, avec la possibilit\u00e9 d'ajouter des modules de protection \u00e0 la carte \u2014 couverture d\u00e9c\u00e8s, incapacit\u00e9 de gain, invalidit\u00e9, lib\u00e9ration des primes. Ces solutions permettent d'adapter pr\u00e9cis\u00e9ment la pr\u00e9voyance aux besoins r\u00e9els de l'assur\u00e9, et de modifier certains param\u00e8tres en cours de 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-cb0b0f1 elementor-widget elementor-widget-heading\" data-id=\"cb0b0f1\" 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\">Comparatif des frais : banque vs assurance\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b24759b elementor-widget elementor-widget-text-editor\" data-id=\"b24759b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>En banque, les frais se concentrent sur le placement et les \u00e9ventuels frais de plateforme. Les co\u00fbts totaux (TER y compris) varie g\u00e9n\u00e9ralement entre <strong>0.40 %<\/strong>\u00a0et <strong>1.60 %<\/strong> par an. Plus la solution est passive (ETF indiciels), plus le TER est bas. Aucune protection d\u00e9c\u00e8s ou incapacit\u00e9 de gain n&rsquo;est incluse.<\/p><p>En assurance, les fonds passifs choisis affichent souvent des TER comparables, autour de <strong>0.12 %<\/strong> (ex. fonds AXA SmartFlex) \u00e0 <strong>0.5 %<\/strong>. S&rsquo;y ajoutent les frais de gestion et les co\u00fbts administratifs, typiquement entre <strong>0.5 %<\/strong> et <strong>2.10 %<\/strong> par an. Les co\u00fbts totaux sont d\u00e9sign\u00e9s par \u00ab\u00a0r\u00e9duction du rendement\u00a0\u00bb.<\/p><p>Ce co\u00fbt suppl\u00e9mentaire finance les couvertures d&rsquo;assurance.<\/p><p>Avant de signer, examinez toujours la r\u00e9duction de rendement globale du contrat plut\u00f4t que le seul TER du fonds sous-jacent, c&rsquo;est ce chiffre qui refl\u00e8te le co\u00fbt r\u00e9el de la solution.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3d2fd55 elementor-widget elementor-widget-heading\" data-id=\"3d2fd55\" 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 3a banque vs assurance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c21a334 elementor-widget elementor-widget-html\" data-id=\"c21a334\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"Table\",\n  \"name\": \"Comparatif 3\u00e8me pilier assurance vs banque en Suisse 2026\",\n  \"description\": \"Tableau comparatif entre pilier 3a en assurance et pilier 3a en banque : versements, placements, couvertures, garanties et co\u00fbts.\",\n  \"keywords\": [\"3a assurance ou banque\", \"pilier 3a comparatif\", \"3\u00e8me pilier banque assurance suisse 2026\"]\n}\n<\/script>\n<div class=\"t\">\n  <table style=\"table-layout:fixed;\">\n    <colgroup>\n      <col style=\"width:25%;\">\n      <col style=\"width:37.5%;\">\n      <col style=\"width:37.5%;\">\n    <\/colgroup>\n    <caption style=\"display:none\">Comparatif 3\u00e8me pilier assurance vs banque en Suisse 2026 \u2014 versements, placements, couvertures, garanties et co\u00fbts<\/caption>\n    <thead>\n      <tr>\n        <th scope=\"col\">Crit\u00e8re<\/th>\n        <th scope=\"col\">3a assurance<\/th>\n        <th scope=\"col\">3a banque<\/th>\n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr>\n        <td>Fr\u00e9quence des versements<\/td>\n        <td data-label=\"3a assurance\">D\u00e9termin\u00e9e \u00e0 l'avance<\/td>\n        <td data-label=\"3a banque\"><span class=\"frais-low\">Flexible<\/span><\/td>\n      <\/tr>\n      <tr>\n        <td>Type de placement<\/td>\n        <td data-label=\"3a assurance\">Classique ou jusqu'\u00e0 100 % fonds<\/td>\n        <td data-label=\"3a banque\">Classique ou jusqu'\u00e0 100 % fonds<\/td>\n      <\/tr>\n      <tr>\n        <td>Exc\u00e9dents<\/td>\n        <td data-label=\"3a assurance\"><span class=\"frais-low\">Participation possible<\/span><\/td>\n        <td data-label=\"3a banque\">Aucune participation<\/td>\n      <\/tr>\n      <tr>\n        <td>Couverture d\u00e9c\u00e8s\/invalidit\u00e9<\/td>\n        <td data-label=\"3a assurance\"><span class=\"frais-low\">Possible<\/span><\/td>\n        <td data-label=\"3a banque\">Aucune<\/td>\n      <\/tr>\n      <tr>\n        <td>Garantie en cas de faillite<\/td>\n        <td data-label=\"3a assurance\"><span class=\"frais-low\">Montant garanti \u00e0 100 %<\/span><\/td>\n        <td data-label=\"3a banque\">Garanti jusqu'\u00e0 CHF 100'000<\/td>\n      <\/tr>\n      <tr>\n        <td>Lib\u00e9ration des primes (incapacit\u00e9 de gain)<\/td>\n        <td data-label=\"3a assurance\"><span class=\"frais-low\">Possible<\/span><\/td>\n        <td data-label=\"3a banque\">Aucune<\/td>\n      <\/tr>\n      <tr>\n        <td>Horizon de placement<\/td>\n        <td data-label=\"3a assurance\">Moyen \u00e0 long terme<\/td>\n        <td data-label=\"3a banque\">Long terme<\/td>\n      <\/tr>\n      <tr>\n        <td>Part de capital garanti<\/td>\n        <td data-label=\"3a assurance\"><span class=\"frais-low\">Possible<\/span><\/td>\n        <td data-label=\"3a banque\">Aucune<\/td>\n      <\/tr>\n      <tr>\n        <td>Mise en gage<\/td>\n        <td data-label=\"3a assurance\">Possible<\/td>\n        <td data-label=\"3a banque\">Possible<\/td>\n      <\/tr>\n      <tr>\n        <td>Co\u00fbt en cas de r\u00e9siliation anticip\u00e9e<\/td>\n        <td data-label=\"3a assurance\">\u00c9lev\u00e9 les premi\u00e8res ann\u00e9es<\/td>\n        <td data-label=\"3a banque\"><span class=\"frais-low\">Aucun<\/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-ca7194a elementor-widget elementor-widget-heading\" data-id=\"ca7194a\" 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\">Comparatif des rendements 3a Banque vs Assurance \u00e0 100% actions<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6bd7e1a elementor-widget elementor-widget-html\" data-id=\"6bd7e1a\" 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\": \"Simulation comparative capital 3\u00e8me pilier sur 34 ans par prestataire en Suisse 2026\",\n  \"description\": \"M\u00eame strat\u00e9gie d'investissement, des r\u00e9sultats diff\u00e9rents : simulation comparative pour un assur\u00e9 de 34 ans versant CHF 7'258\/an pendant 34 ans selon le prestataire.\",\n  \"keywords\": [\"simulation 3\u00e8me pilier comparatif\", \"capital 3a projection 34 ans\", \"VIAC AXA Swiss Life frankly rendement\", \"meilleur pilier 3a suisse 2026\"]\n}\n<\/script>\n\n<p><strong>M\u00eame strat\u00e9gie d'investissement, des r\u00e9sultats finaux diff\u00e9rents :<\/strong><br>\nSimulation comparative \u00e9tablie pour un assur\u00e9 de 34 ans, versant le maximum l\u00e9gal (CHF 7'258\/an en 2026) pendant 34 ans (total vers\u00e9 = CHF 246'772). Sc\u00e9nario d'\u00e9volution moyen des march\u00e9s.<\/p>\n\n<div class=\"t\">\n  <table style=\"table-layout:fixed;\">\n    <colgroup>\n      <col style=\"width:16%;\">\n      <col style=\"width:12%;\">\n      <col style=\"width:10%;\">\n      <col style=\"width:12%;\">\n      <col style=\"width:16%;\">\n      <col style=\"width:17%;\">\n      <col style=\"width:17%;\">\n    <\/colgroup>\n    <caption style=\"display:none\">Simulation comparative capital 3\u00e8me pilier sur 34 ans par prestataire \u2014 rendement, couvertures et lib\u00e9ration des primes<\/caption>\n    <thead>\n      <tr>\n        <th scope=\"col\">Prestataire<\/th>\n        <th scope=\"col\">Type<\/th>\n        <th scope=\"col\">Part d'actions<\/th>\n        <th scope=\"col\">Rendement net est.<\/th>\n        <th scope=\"col\">Capital projet\u00e9<\/th>\n        <th scope=\"col\">Couverture d\u00e9c\u00e8s \/ invalidit\u00e9<\/th>\n        <th scope=\"col\">Lib\u00e9ration des primes<\/th>\n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr>\n        <td>VIAC<\/td>\n        <td data-label=\"Type\"><span class=\"badge badge-fonds\">Banque (App)<\/span><\/td>\n        <td data-label=\"Part d'actions\">100 %<\/td>\n        <td data-label=\"Rendement net est.\"><span class=\"frais-low\">6,85 %<\/span><\/td>\n        <td data-label=\"Capital projet\u00e9\"><span class=\"frais-low\">CHF 901'383<\/span><\/td>\n        <td data-label=\"Couverture d\u00e9c\u00e8s \/ invalidit\u00e9\"><i class=\"fa-solid fa-xmark\" style=\"color:#999;\"><\/i><\/td>\n        <td data-label=\"Lib\u00e9ration des primes\"><i class=\"fa-solid fa-xmark\" style=\"color:#999;\"><\/i><\/td>\n      <\/tr>\n      <tr>\n        <td>AXA<\/td>\n        <td data-label=\"Type\"><span class=\"badge badge-assurance\">Assurance<\/span><\/td>\n        <td data-label=\"Part d'actions\">100 %<\/td>\n        <td data-label=\"Rendement net est.\">5,24 %<\/td>\n        <td data-label=\"Capital projet\u00e9\">CHF 647'902<\/td>\n        <td data-label=\"Couverture d\u00e9c\u00e8s \/ invalidit\u00e9\">Modulable<\/td>\n        <td data-label=\"Lib\u00e9ration des primes\"><img decoding=\"async\" src=\"https:\/\/comparatif-3eme-pilier.ch\/wp-content\/uploads\/2026\/04\/130-1.svg\" alt=\"Oui\" width=\"18\" height=\"18\"><\/td>\n      <\/tr>\n      <tr>\n        <td>Swiss Life<\/td>\n        <td data-label=\"Type\"><span class=\"badge badge-assurance\">Assurance<\/span><\/td>\n        <td data-label=\"Part d'actions\">100 %<\/td>\n        <td data-label=\"Rendement net est.\">4,74 %<\/td>\n        <td data-label=\"Capital projet\u00e9\">CHF 585'778<\/td>\n        <td data-label=\"Couverture d\u00e9c\u00e8s \/ invalidit\u00e9\"><img decoding=\"async\" src=\"https:\/\/comparatif-3eme-pilier.ch\/wp-content\/uploads\/2026\/04\/130-1.svg\" alt=\"Oui\" width=\"18\" height=\"18\"><\/td>\n        <td data-label=\"Lib\u00e9ration des primes\"><img decoding=\"async\" src=\"https:\/\/comparatif-3eme-pilier.ch\/wp-content\/uploads\/2026\/04\/130-1.svg\" alt=\"Oui\" width=\"18\" height=\"18\"><\/td>\n      <\/tr>\n      <tr>\n        <td>Groupe Mutuel<\/td>\n        <td data-label=\"Type\"><span class=\"badge badge-assurance\">Assurance<\/span><\/td>\n        <td data-label=\"Part d'actions\">100 %<\/td>\n        <td data-label=\"Rendement net est.\">3,90 %<\/td>\n        <td data-label=\"Capital projet\u00e9\">CHF 497'765<\/td>\n        <td data-label=\"Couverture d\u00e9c\u00e8s \/ invalidit\u00e9\"><img decoding=\"async\" src=\"https:\/\/comparatif-3eme-pilier.ch\/wp-content\/uploads\/2026\/04\/130-1.svg\" alt=\"Oui\" width=\"18\" height=\"18\"><\/td>\n        <td data-label=\"Lib\u00e9ration des primes\"><img decoding=\"async\" src=\"https:\/\/comparatif-3eme-pilier.ch\/wp-content\/uploads\/2026\/04\/130-1.svg\" alt=\"Oui\" width=\"18\" height=\"18\"><\/td>\n      <\/tr>\n      <tr>\n        <td>frankly<\/td>\n        <td data-label=\"Type\"><span class=\"badge badge-fonds\">Banque (App)<\/span><\/td>\n        <td data-label=\"Part d'actions\">100 %<\/td>\n        <td data-label=\"Rendement net est.\">3,90 %<\/td>\n        <td data-label=\"Capital projet\u00e9\">CHF 497'700<\/td>\n        <td data-label=\"Couverture d\u00e9c\u00e8s \/ invalidit\u00e9\"><i class=\"fa-solid fa-xmark\" style=\"color:#999;\"><\/i><\/td>\n        <td data-label=\"Lib\u00e9ration des primes\"><i class=\"fa-solid fa-xmark\" style=\"color:#999;\"><\/i><\/td>\n      <\/tr>\n      <tr>\n        <td>Compte \u00e9pargne 3a (R\u00e9f\u00e9rence)<\/td>\n        <td data-label=\"Type\"><span class=\"badge badge-compte\">Banque (Classique)<\/span><\/td>\n        <td data-label=\"Part d'actions\">0 % (Cash)<\/td>\n        <td data-label=\"Rendement net est.\">1,00 %<\/td>\n        <td data-label=\"Capital projet\u00e9\">CHF 292'190<\/td>\n        <td data-label=\"Couverture d\u00e9c\u00e8s \/ invalidit\u00e9\"><i class=\"fa-solid fa-xmark\" style=\"color:#999;\"><\/i><\/td>\n        <td data-label=\"Lib\u00e9ration des primes\"><i class=\"fa-solid fa-xmark\" style=\"color:#999;\"><\/i><\/td>\n      <\/tr>\n    <\/tbody>\n  <\/table>\n  <p style=\"font-size:13px; color:#555; margin-top:10px;\">Source : Donn\u00e9es agr\u00e9g\u00e9es par Comparatif-3eme-pilier.ch, issues des calculateurs officiels des prestataires (2026).<\/p>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e352b40 elementor-widget elementor-widget-heading\" data-id=\"e352b40\" 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\">Que choisir selon votre profil ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2835ef1 elementor-widget elementor-widget-text-editor\" data-id=\"2835ef1\" 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\">Il n&rsquo;existe pas de r\u00e9ponse universelle. La banque maximise la performance \u00e0 long terme gr\u00e2ce \u00e0 des frais r\u00e9duits, mais n&rsquo;offre aucune protection imm\u00e9diate en cas d&rsquo;impr\u00e9vu. L&rsquo;assurance garantit un capital d\u00e9c\u00e8s d\u00e8s le premier jour et prot\u00e8ge l&rsquo;\u00e9pargne contre les al\u00e9as de la vie, en contrepartie d&rsquo;un engagement \u00e0 plus long terme.<\/p><p class=\"font-claude-response-body break-words whitespace-normal\" dir=\"ltr\">Le meilleur choix d\u00e9pend de votre \u00e2ge, de vos responsabilit\u00e9s familiales, de votre capacit\u00e9 d&rsquo;\u00e9pargne et de votre tol\u00e9rance au risque :<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-32839b4 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"32839b4\" 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\">Un <strong>jeune actif sans charge de famille<\/strong> privil\u00e9giera g\u00e9n\u00e9ralement une strat\u00e9gie bancaire pure<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Une personne souhaitant <strong>prot\u00e9ger sa famille<\/strong> ou couvrir un risque d'incapacit\u00e9 trouvera dans l'assurance une r\u00e9ponse plus compl\u00e8te<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Il est \u00e9galement possible de <strong>combiner les deux<\/strong> : un contrat bancaire pour maximiser le rendement, un contrat assurance pour s\u00e9curiser une partie du capital<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-14e43f0 elementor-widget elementor-widget-heading\" data-id=\"14e43f0\" 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-ecac5eb elementor-widget elementor-widget-n-accordion\" data-id=\"ecac5eb\" 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-2480\" 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-2480\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Les assurances 3a sont-elles forc\u00e9ment moins rentables que les solutions bancaires ? <\/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-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/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-2480\" class=\"elementor-element elementor-element-0e7618f e-con-full e-flex e-con e-child\" data-id=\"0e7618f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fabf9e5 elementor-widget elementor-widget-text-editor\" data-id=\"fabf9e5\" 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. Les assurances 3a modernes utilisent souvent des fonds indiciels avec des TER tr\u00e8s bas (0.12 % \u00e0 0.5 %), comparables aux meilleures solutions bancaires. La performance nette d\u00e9pend surtout du contrat, du profil d&rsquo;investissement et des frais globaux.<\/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-2481\" 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-2481\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Pourquoi souscrire une assurance 3a si elle co\u00fbte plus cher en cas de r\u00e9siliation anticip\u00e9e ? <\/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-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/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-2481\" class=\"elementor-element elementor-element-6ee7e68 e-con-full e-flex e-con e-child\" data-id=\"6ee7e68\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3819dad elementor-widget elementor-widget-text-editor\" data-id=\"3819dad\" 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>Parce qu&rsquo;elle offre un capital d\u00e9c\u00e8s garanti d\u00e8s le premier versement, une lib\u00e9ration des primes en cas d&rsquo;incapacit\u00e9 de gain, et des options de gestion s\u00e9curis\u00e9e. Pour beaucoup, cette protection justifie l&rsquo;engagement \u00e0 long terme.<\/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-2482\" 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-2482\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Peut-on combiner un 3a bancaire et un 3a assurance ? <\/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-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/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-2482\" class=\"elementor-element elementor-element-0989f88 e-con-full e-flex e-con e-child\" data-id=\"0989f88\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4f83495 elementor-widget elementor-widget-text-editor\" data-id=\"4f83495\" 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\">Oui, et c&rsquo;est m\u00eame conseill\u00e9 dans certains cas : un contrat bancaire en fonds pour maximiser le rendement, un contrat assurance pour s\u00e9curiser une partie du capital et prot\u00e9ger ses proches.<\/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-2483\" 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-2483\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Que se passe-t-il si je d\u00e9c\u00e8de au d\u00e9but d'un contrat d'assurance 3a ? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/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-2483\" class=\"elementor-element elementor-element-84e6247 e-con-full e-flex e-con e-child\" data-id=\"84e6247\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-29677e1 elementor-widget elementor-widget-text-editor\" data-id=\"29677e1\" 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\">L&rsquo;assurance verse imm\u00e9diatement le capital d\u00e9c\u00e8s garanti pr\u00e9vu au contrat, souvent entre <strong>100&rsquo;000 et 250&rsquo;000 CHF<\/strong>, m\u00eame apr\u00e8s seulement quelques milliers de francs vers\u00e9s. En banque, seule l&rsquo;\u00e9pargne r\u00e9ellement accumul\u00e9e est vers\u00e9e.<\/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-2484\" 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-2484\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Un 3a bancaire est-il vraiment plus flexible qu'une assurance ? <\/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-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/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-2484\" class=\"elementor-element elementor-element-63cb663 e-con-full e-flex e-con e-child\" data-id=\"63cb663\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2e49b9a elementor-widget elementor-widget-text-editor\" data-id=\"2e49b9a\" 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\">Oui. Vous versez ce que vous voulez, quand vous voulez, dans la limite l\u00e9gale, et pouvez interrompre les versements sans p\u00e9nalit\u00e9. Avec une assurance, vous vous engagez sur une prime r\u00e9guli\u00e8re, m\u00eame si les contrats modernes offrent aujourd&rsquo;hui plus de souplesse.<\/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-2485\" 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-2485\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Peut-on changer d'avis et r\u00e9silier un 3a assurance avant le terme ? <\/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-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/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-2485\" class=\"elementor-element elementor-element-a6f617e e-con-full e-flex e-con e-child\" data-id=\"a6f617e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c7ae8de elementor-widget elementor-widget-text-editor\" data-id=\"c7ae8de\" 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\">Oui, mais avec prudence : r\u00e9silier dans les premi\u00e8res ann\u00e9es peut entra\u00eener une perte, la valeur de rachat \u00e9tant souvent inf\u00e9rieure aux primes vers\u00e9es. C&rsquo;est le seul vrai surco\u00fbt de l&rsquo;assurance par rapport \u00e0 la banque, pas le contrat lui-m\u00eame, mais sa r\u00e9siliation anticip\u00e9e.<\/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-2486\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"7\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2486\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Combien puis-je verser sur mon 3a, en banque comme en assurance ? <\/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-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/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-2486\" class=\"elementor-element elementor-element-1386d77 e-con-full e-flex e-con e-child\" data-id=\"1386d77\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8591586 elementor-widget elementor-widget-text-editor\" data-id=\"8591586\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tLes plafonds 2026 sont identiques dans les deux cas : <strong>7&rsquo;258 CHF\/an<\/strong> pour un salari\u00e9 avec caisse de pension, et jusqu&rsquo;\u00e0 <strong>36&rsquo;288 CHF\/an<\/strong> (ou 20 % du revenu net) pour un ind\u00e9pendant sans 2\u00e8me pilier.\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\t<\/div>\n\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>Le 3\u00e8me pilier A est une solution de pr\u00e9voyance individuelle essentielle pour les r\u00e9sidents suisses, permettant d&rsquo;\u00e9pargner en vue de la retraite tout en b\u00e9n\u00e9ficiant d&rsquo;avantages fiscaux. Mais faut-il opter pour une solution aupr\u00e8s d&rsquo;une banque ou d&rsquo;une assurance ? C&rsquo;est principalement une question de besoin : flexibilit\u00e9 pure, ou \u00e9pargne combin\u00e9e \u00e0 une protection en cas de d\u00e9c\u00e8s ou d&rsquo;invalidit\u00e9.<\/p>","protected":false},"author":1,"featured_media":1159,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[5],"tags":[10,13],"class_list":["post-295","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-prevoyance","tag-3a","tag-3eme-pilier"],"_links":{"self":[{"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/posts\/295","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=295"}],"version-history":[{"count":0,"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/posts\/295\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/media\/1159"}],"wp:attachment":[{"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/media?parent=295"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/categories?post=295"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/tags?post=295"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}