{"id":320,"date":"2026-07-31T12:26:35","date_gmt":"2026-07-31T12:26:35","guid":{"rendered":"https:\/\/invexa.swiss\/?p=320"},"modified":"2026-09-10T12:45:57","modified_gmt":"2026-09-10T12:45:57","slug":"2nd-pillar","status":"publish","type":"post","link":"https:\/\/invexa.swiss\/en\/2eme-pilier\/","title":{"rendered":"2nd Pillar in Switzerland (BVG\/LPP): The Complete 2026 Guide"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"320\" class=\"elementor elementor-320\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a6ffbfa e-flex e-con-boxed e-con e-parent\" data-id=\"a6ffbfa\" 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-ce0ef8f e-con-full e-flex e-con e-child\" data-id=\"ce0ef8f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-4ddda24 e-con-full e-flex e-con e-child\" data-id=\"4ddda24\" 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-24c7021 elementor-widget elementor-widget-heading\" data-id=\"24c7021\" 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 2\u00e8me pilier (LPP) en bref<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-69926ae elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"69926ae\" 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 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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>Taux de conversion:<\/strong> 6,8% de l'avoir de vieillesse accumul\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 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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>Retrait possible sous forme de rente, capital, ou combinaison :<\/strong> d\u00e9cision irr\u00e9vocable<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"500\" zoomAndPan=\"magnify\" viewBox=\"0 0 375 374.999991\" height=\"500\" preserveAspectRatio=\"xMidYMid meet\"><defs><clipPath id=\"5bc1e4b2e8\"><path d=\"M 0 163 L 162.230469 163 L 162.230469 187.609375 L 0 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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>Retrait anticip\u00e9 autoris\u00e9 dans 4 cas:<\/strong> retraite anticip\u00e9e, achat immobilier, ind\u00e9pendance, d\u00e9part d\u00e9finitif de Suisse<\/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 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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>Rachats volontaires<\/strong> possibles et fiscalement d\u00e9ductibles<\/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-53f90d9 elementor-widget elementor-widget-heading\" data-id=\"53f90d9\" 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 2\u00e8me pilier ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-242d027 elementor-widget elementor-widget-text-editor\" data-id=\"242d027\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Le <strong>2\u00e8me pilier<\/strong>, aussi appel\u00e9 <strong>pr\u00e9voyance professionnelle<\/strong> ou LPP (Loi sur la pr\u00e9voyance professionnelle), est un syst\u00e8me d\u2019assurance <strong>obligatoire<\/strong> en Suisse pour les salari\u00e9s dont le revenu d\u00e9passe un certain seuil, faisant parti du concept des <strong><a href=\"https:\/\/invexa.ch\/prevoyance\/le-systeme-des-3-piliers-en-suisse\/\" target=\"_blank\" rel=\"noopener\">trois piliers<\/a><\/strong>.<\/p><p>Il vise \u00e0 <strong>compl\u00e9ter<\/strong> les prestations de l\u2019<strong><a href=\"http:\/\/invexa.swiss\/avs-rentes-montants-cotisations\/\">AVS<\/a><\/strong> afin de garantir un revenu suffisant une fois \u00e0 la retraite, en cas d\u2019invalidit\u00e9 ou de d\u00e9c\u00e8s. Financ\u00e9 conjointement par l\u2019employeur et l\u2019employ\u00e9, il repose sur un principe de <strong>capitalisation<\/strong> individuelle: chaque assur\u00e9 \u00e9pargne pour sa propre retraite.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e397b91 elementor-widget elementor-widget-image\" data-id=\"e397b91\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"512\" src=\"https:\/\/invexa.swiss\/wp-content\/uploads\/2026\/08\/Le-2eme-pilier-dans-le-systeme-de-prevoyance-suisse-e1750241469766-1024x655.png\" class=\"attachment-large size-large wp-image-479\" alt=\"Le 2\u00e8me pilier dans le syst\u00e8me de pr\u00e9voyance suisse\" srcset=\"https:\/\/invexa.swiss\/wp-content\/uploads\/2026\/08\/Le-2eme-pilier-dans-le-systeme-de-prevoyance-suisse-e1750241469766-1024x655.png 1024w, https:\/\/invexa.swiss\/wp-content\/uploads\/2026\/08\/Le-2eme-pilier-dans-le-systeme-de-prevoyance-suisse-e1750241469766-300x192.png 300w, https:\/\/invexa.swiss\/wp-content\/uploads\/2026\/08\/Le-2eme-pilier-dans-le-systeme-de-prevoyance-suisse-e1750241469766-768x491.png 768w, https:\/\/invexa.swiss\/wp-content\/uploads\/2026\/08\/Le-2eme-pilier-dans-le-systeme-de-prevoyance-suisse-e1750241469766.png 1478w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-154d8cf elementor-widget elementor-widget-heading\" data-id=\"154d8cf\" 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\">Le concept des 3 piliers de la pr\u00e9voyance suisse<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a65dbdf elementor-widget elementor-widget-text-editor\" data-id=\"a65dbdf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>La pr\u00e9voyance suisse repose sur un syst\u00e8me \u00e0 trois piliers interconnect\u00e9s, con\u00e7u pour garantir la s\u00e9curit\u00e9 financi\u00e8re des r\u00e9sidents et des travailleurs en Suisse tout au long de leur vie et \u00e0 la retraite :<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9055834 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"9055834\" 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=\"061fad57c4\"><rect x=\"0\" width=\"139\" y=\"0\" height=\"375\"><\/rect><\/clipPath><\/defs><rect x=\"-37.5\" width=\"450\" fill=\"#ffffff\" y=\"-37.499999\" height=\"449.999989\" fill-opacity=\"1\"><\/rect><rect x=\"-37.5\" width=\"450\" fill=\"#ffffff\" y=\"-37.499999\" height=\"449.999989\" fill-opacity=\"1\"><\/rect><g transform=\"matrix(1, 0, 0, 1, 118, 0)\"><g clip-path=\"url(#061fad57c4)\"><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>1er pilier (AVS \/ AI \/ APG) \u2013 Pr\u00e9voyance \u00e9tatique :<\/strong> Obligatoire pour tous, il constitue le socle de base. Son objectif est de couvrir les besoins vitaux d\u2019un retrait\u00e9 ou d\u2019une personne invalide.<\/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=\"81d0bb1951\"><rect x=\"0\" width=\"330\" y=\"0\" height=\"375\"><\/rect><\/clipPath><\/defs><rect x=\"-37.5\" width=\"450\" fill=\"#ffffff\" y=\"-37.499999\" height=\"449.999989\" fill-opacity=\"1\"><\/rect><rect x=\"-37.5\" width=\"450\" fill=\"#ffffff\" y=\"-37.499999\" height=\"449.999989\" fill-opacity=\"1\"><\/rect><g transform=\"matrix(1, 0, 0, 1, 23, 0)\"><g clip-path=\"url(#81d0bb1951)\"><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>2\u00e8me pilier (LPP) \u2013 Pr\u00e9voyance professionnelle :<\/strong> Obligatoire pour la majorit\u00e9 des salari\u00e9s, il compl\u00e8te l\u2019AVS. Son objectif est de maintenir le niveau de vie ant\u00e9rieur \u00e0 la retraite, en visant \u00e0 couvrir (avec le 1er pilier) environ 60 % du dernier salaire.<\/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=\"b97fc6b5fc\"><rect x=\"0\" width=\"339\" y=\"0\" height=\"375\"><\/rect><\/clipPath><\/defs><rect x=\"-37.5\" width=\"450\" fill=\"#ffffff\" y=\"-37.499999\" height=\"449.999989\" fill-opacity=\"1\"><\/rect><rect x=\"-37.5\" width=\"450\" fill=\"#ffffff\" y=\"-37.499999\" height=\"449.999989\" fill-opacity=\"1\"><\/rect><g transform=\"matrix(1, 0, 0, 1, 23, 0)\"><g clip-path=\"url(#b97fc6b5fc)\"><g fill=\"#071659\" 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-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>3\u00e8me pilier (3a \/ 3b) \u2013 Pr\u00e9voyance individuelle :<\/strong> Priv\u00e9e et facultative, elle permet de combler les lacunes de revenus non couvertes par les deux premiers piliers, tout en b\u00e9n\u00e9ficiant d'avantages fiscaux attractifs.<\/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-524621f elementor-widget elementor-widget-heading\" data-id=\"524621f\" 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\">Qui est concern\u00e9 ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-feefb2d elementor-widget elementor-widget-text-editor\" data-id=\"feefb2d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Tous les salari\u00e9s en Suisse ne cotisent pas automatiquement au 2\u00e8me pilier. L\u2019affiliation <strong>obligatoire<\/strong> d\u00e9pend de plusieurs conditions:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7a648bd elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"7a648bd\" 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-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">\u00catre salari\u00e9 et soumis \u00e0 l\u2019AVS<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Avoir un revenu annuel sup\u00e9rieur \u00e0 CHF 22'680 (seuil 2026)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Avoir au moins 17 ans pour l\u2019assurance d\u00e9c\u00e8s et invalidit\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 aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">D\u00e8s 24 ans, commencer \u00e0 cotiser aussi pour la retraite (bonifications vieillesse)<\/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-a36d23c elementor-widget elementor-widget-heading\" data-id=\"a36d23c\" 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\">Seuils LPP (2026)<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2693052 elementor-widget elementor-widget-html\" data-id=\"2693052\" 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\": \"Param\u00e8tres LPP 2026 en Suisse\",\n  \"description\": \"Tableau des montants LPP 2026 en Suisse : seuil d'entr\u00e9e, d\u00e9duction de coordination, salaire coordonn\u00e9 minimum et maximum, salaire AVS d\u00e9terminant maximum.\",\n  \"keywords\": [\"LPP 2026\", \"seuil entr\u00e9e LPP\", \"d\u00e9duction de coordination\", \"salaire coordonn\u00e9\", \"pr\u00e9voyance professionnelle suisse 2026\"]\n}\n<\/script>\n<div class=\"t\">\n  <table>\n    <caption style=\"display:none\">Param\u00e8tres LPP 2026 Suisse<\/caption>\n    <thead>\n      <tr>\n        <th scope=\"col\">Param\u00e8tre LPP<\/th>\n        <th scope=\"col\">Montant<\/th>\n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr>\n        <td>Seuil d'entr\u00e9e LPP (revenu minimum)<\/td>\n        <td data-label=\"Montant\">CHF 22'680<\/td>\n      <\/tr>\n      <tr>\n        <td>D\u00e9duction de coordination<\/td>\n        <td data-label=\"Montant\">CHF 26'460<\/td>\n      <\/tr>\n      <tr>\n        <td>Salaire coordonn\u00e9 minimum assur\u00e9<\/td>\n        <td data-label=\"Montant\">CHF 3'780<\/td>\n      <\/tr>\n      <tr>\n        <td>Salaire coordonn\u00e9 maximum assur\u00e9<\/td>\n        <td data-label=\"Montant\">CHF 64'260<\/td>\n      <\/tr>\n      <tr>\n        <td>Salaire AVS d\u00e9terminant maximum<\/td>\n        <td data-label=\"Montant\">CHF 90'720<\/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-b725b9e elementor-widget elementor-widget-text-editor\" data-id=\"b725b9e\" 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>M\u00eame si vous ne remplissez pas les conditions standard, il est possible de s&rsquo;assurer au 2e pilier de mani\u00e8re <strong>volontaire<\/strong>. Par exemple, un employeur peut d\u00e9cider de couvrir un salari\u00e9 dont le revenu est <strong>inf\u00e9rieur<\/strong> \u00e0 <strong>CHF 22&rsquo;680<\/strong>. De m\u00eame, les <a href=\"http:\/\/invexa.swiss\/2eme-pilier-pour-independant\/\">ind\u00e9pendants<\/a> ou les personnes engag\u00e9es pour une courte dur\u00e9e peuvent choisir d\u2019y cotiser, bien que cela ne soit pas obligatoire.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0150a7f elementor-widget elementor-widget-heading\" data-id=\"0150a7f\" 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\">Cotisations LPP et bonifications vieillesse<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5284b2a elementor-widget elementor-widget-text-editor\" data-id=\"5284b2a\" 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-baf27bc elementor-widget elementor-widget-heading\" data-id=\"baf27bc\" 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. Bonifications vieillesse<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1ce20b3 elementor-widget elementor-widget-text-editor\" data-id=\"1ce20b3\" 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 bonifications vieillesse repr\u00e9sentent la partie \u00e9pargne de la pr\u00e9voyance professionnelle, et le taux <strong>augmente<\/strong> avec l\u2019\u00e2ge afin de constituer progressivement l\u2019avoir de vieillesse. Voici un aper\u00e7u des bonifications vieillesse en 2026 selon l\u2019\u00e2ge de l\u2019assur\u00e9 dans la partie obligatoire:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c07b8d5 elementor-widget elementor-widget-html\" data-id=\"c07b8d5\" 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\": \"Taux de bonifications de vieillesse LPP par tranche d'\u00e2ge Suisse 2026\",\n  \"description\": \"Tableau des pourcentages de bonifications de vieillesse LPP selon l'\u00e2ge de l'assur\u00e9 en Suisse : de 7% pour les 25-34 ans \u00e0 18% pour les 55-65 ans.\",\n  \"keywords\": [\"bonifications de vieillesse LPP\", \"taux LPP par \u00e2ge\", \"cotisations LPP suisse 2026\", \"pourcentage LPP \u00e2ge\"]\n}\n<\/script>\n<div class=\"t\">\n  <table>\n    <caption style=\"display:none\">Taux de bonifications de vieillesse LPP par tranche d'\u00e2ge Suisse 2026<\/caption>\n    <thead>\n      <tr>\n        <th scope=\"col\">\u00c2ge de l'assur\u00e9<\/th>\n        <th scope=\"col\">Pourcentage %<\/th>\n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr>\n        <td>25 \u2013 34 ans<\/td>\n        <td data-label=\"Pourcentage %\">7%<\/td>\n      <\/tr>\n      <tr>\n        <td>35 \u2013 44 ans<\/td>\n        <td data-label=\"Pourcentage %\">10%<\/td>\n      <\/tr>\n      <tr>\n        <td>45 \u2013 54 ans<\/td>\n        <td data-label=\"Pourcentage %\">15%<\/td>\n      <\/tr>\n      <tr>\n        <td>55 \u2013 65 ans<\/td>\n        <td data-label=\"Pourcentage %\"><span class=\"win\">18%<\/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-ba22df1 elementor-widget elementor-widget-heading\" data-id=\"ba22df1\" 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. Primes de risque<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-03449d9 elementor-widget elementor-widget-text-editor\" data-id=\"03449d9\" 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 primes de risque financent la couverture contre les <strong>risques<\/strong> d\u2019<strong>invalidit\u00e9<\/strong> et de <strong>d\u00e9c\u00e8s<\/strong>. Cela signifie que si un assur\u00e9 devient invalide ou d\u00e9c\u00e8de avant l\u2019\u00e2ge de la retraite, la caisse de pension versera une <strong>rente d\u2019invalidit\u00e9<\/strong> ou une <strong>rente de survivants<\/strong> (conjoint, partenaire enregistr\u00e9, enfants). Ces primes varient selon l\u2019\u00e2ge et le sexe.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b671749 elementor-widget elementor-widget-heading\" data-id=\"b671749\" 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. Contribution au fonds de garantie LPP<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-82fb66b elementor-widget elementor-widget-text-editor\" data-id=\"82fb66b\" 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>Chaque institution de pr\u00e9voyance doit verser une contribution au <a href=\"https:\/\/sfbvg.ch\/fr\/\" target=\"_blank\" rel=\"noopener\"><strong>fonds de garantie LPP<\/strong><\/a>, qui garantit les <strong>prestations minimales l\u00e9gales<\/strong> en cas d\u2019insolvabilit\u00e9 d\u2019une caisse de pension. Ce m\u00e9canisme prot\u00e8ge les assur\u00e9s contre le risque de perdre leur avoir de pr\u00e9voyance si leur caisse fait faillite. Le fonds intervient \u00e9galement en cas de restructuration ou de situations exceptionnelles, comme lors de fusions de caisses.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-43da7ec elementor-widget elementor-widget-heading\" data-id=\"43da7ec\" 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\">Remod\u00e9lation et taux d'int\u00e9r\u00eat minimal LPP<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e25e036 elementor-widget elementor-widget-text-editor\" data-id=\"e25e036\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>L&rsquo;avoir de vieillesse accumul\u00e9 sur votre 2\u00e8me pilier ne reste pas dormant : il est investi par votre caisse de pension et g\u00e9n\u00e8re un rendement annuel sous forme d&rsquo;int\u00e9r\u00eats.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3be3bdb elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"3be3bdb\" 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-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Taux d'int\u00e9r\u00eat minimal l\u00e9gal :<\/strong> Pour la part obligatoire de la LPP, le Conseil f\u00e9d\u00e9ral fixe un taux d'int\u00e9r\u00eat minimal que chaque caisse de pension est l\u00e9galement tenue d'accorder aux assur\u00e9s. Il s'\u00e9l\u00e8ve actuellement \u00e0 6.8% (2026).<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Part obligatoire vs Surobligatoire :<\/strong> Ce taux minimal s'applique imp\u00e9rativement \u00e0 la part obligatoire. Pour la part surobligatoire (salaire assur\u00e9 au-del\u00e0 de CHF 90'720), la caisse de pension est libre de fixer son propre taux d'int\u00e9r\u00eat en fonction de sa sant\u00e9 financi\u00e8re et de son degr\u00e9 de couverture.<\/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-f54495b elementor-widget elementor-widget-heading\" data-id=\"f54495b\" 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\">Prestations : vieillesse, invalidit\u00e9, d\u00e9c\u00e8s<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-13f9f34 elementor-widget elementor-widget-text-editor\" data-id=\"13f9f34\" 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 2\u00e8me pilier <strong>prot\u00e8ge<\/strong> \u00e9galement les <strong>assur\u00e9s<\/strong> et leur <strong>famille<\/strong> contre les risques d\u2019invalidit\u00e9 ou de <strong>d\u00e9c\u00e8s<\/strong>, ainsi que contre le risque in\u00e9vitable de la vieillesse. Les prestations sont donc vers\u00e9es selon diff\u00e9rents \u00e9v\u00e9nements de la vie, sous forme de <strong>rentes<\/strong>. Voici un aper\u00e7u synth\u00e9tique des principales prestations pr\u00e9vues par la LPP :<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b2b85a6 elementor-widget elementor-widget-html\" data-id=\"b2b85a6\" 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\": \"Prestations LPP par risque assur\u00e9 en Suisse 2026\",\n  \"description\": \"Tableau des prestations LPP selon le risque couvert en Suisse : rentes de vieillesse, invalidit\u00e9 et d\u00e9c\u00e8s, avec d\u00e9tails sur les rentes de conjoint, d'orphelin et pour enfants.\",\n  \"keywords\": [\"prestations LPP\", \"rente vieillesse LPP\", \"rente invalidit\u00e9 LPP\", \"rente conjoint LPP\", \"rente orphelin LPP\", \"suisse 2026\"]\n}\n<\/script>\n<div class=\"t\">\n  <table style=\"font-size:13px !important;\">\n    <caption style=\"display:none\">Prestations LPP par risque assur\u00e9 Suisse 2026<\/caption>\n    <thead>\n      <tr>\n        <th scope=\"col\" style=\"width:30%;\">Type de rente<\/th>\n        <th scope=\"col\">D\u00e9tails<\/th>\n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr style=\"background:var(--color-background-tertiary) !important;\">\n        <td colspan=\"2\" style=\"font-weight:500; font-size:13px !important; padding:8px 14px !important;\">D\u00e9part \u00e0 la retraite<\/td>\n      <\/tr>\n      <tr>\n        <td data-label=\"Type de rente\">Rente de vieillesse<\/td>\n        <td data-label=\"D\u00e9tails\">Vers\u00e9e d\u00e8s l'\u00e2ge l\u00e9gal de la retraite. Calcul\u00e9e \u00e0 partir de l'avoir de vieillesse \u00e9pargn\u00e9, au taux de conversion de 6.8%.<\/td>\n      <\/tr>\n      <tr>\n        <td data-label=\"Type de rente\">Capital vieillesse<\/td>\n        <td data-label=\"D\u00e9tails\">Possibilit\u00e9 de retirer 1\/4 de l'avoir LPP obligatoire sous forme de capital. Certaines caisses permettent le retrait de l'int\u00e9gralit\u00e9 du capital.<\/td>\n      <\/tr>\n      <tr>\n        <td data-label=\"Type de rente\">Rente enfant de retrait\u00e9<\/td>\n        <td data-label=\"D\u00e9tails\">20% de la rente de vieillesse vers\u00e9e par enfant, jusqu'\u00e0 18 ans ou 25 ans s'il est en formation.<\/td>\n      <\/tr>\n      <tr style=\"background:var(--color-background-tertiary) !important;\">\n        <td colspan=\"2\" style=\"font-weight:500; font-size:13px !important; padding:8px 14px !important;\"> Invalidit\u00e9 avant la retraite<\/td>\n      <\/tr>\n      <tr>\n        <td data-label=\"Type de rente\">Rente d'invalidit\u00e9<\/td>\n        <td data-label=\"D\u00e9tails\">Si l'assur\u00e9 devient invalide (selon l'AI), il re\u00e7oit une rente calcul\u00e9e sur l'avoir accumul\u00e9 + les bonifications de vieillesse futures, sans int\u00e9r\u00eats.<\/td>\n      <\/tr>\n      <tr>\n        <td data-label=\"Type de rente\">Rente enfant d'invalide<\/td>\n        <td data-label=\"D\u00e9tails\">20% de la rente d'invalidit\u00e9 vers\u00e9e par enfant, jusqu'\u00e0 18 ans ou 25 ans en cas de formation.<\/td>\n      <\/tr>\n      <tr style=\"background:var(--color-background-tertiary) !important;\">\n        <td colspan=\"2\" style=\"font-weight:500; font-size:13px !important; padding:8px 14px !important;\"> D\u00e9c\u00e8s avant la retraite<\/td>\n      <\/tr>\n      <tr>\n        <td data-label=\"Type de rente\">Rente de conjoint<\/td>\n        <td data-label=\"D\u00e9tails\">Le conjoint survivant touche 60% de la rente si le mariage a dur\u00e9 au moins 5 ans et que le conjoint a au moins 45 ans, ou s'il y a des enfants \u00e0 charge. \u00c0 d\u00e9faut, une indemnit\u00e9 unique \u00e9quivalente \u00e0 3 rentes annuelles peut \u00eatre vers\u00e9e.<\/td>\n      <\/tr>\n      <tr>\n        <td data-label=\"Type de rente\">Rente d'orphelin<\/td>\n        <td data-label=\"D\u00e9tails\">20% de la rente vers\u00e9e \u00e0 chaque enfant jusqu'\u00e0 18 ans, ou 25 ans en cas de formation.<\/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-44bb3c7 elementor-widget elementor-widget-heading\" data-id=\"44bb3c7\" 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\">Rente ou capital : que choisir \u00e0 la retraite ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e53dfa4 elementor-widget elementor-widget-text-editor\" data-id=\"e53dfa4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>\u00c0 la retraite, vous pouvez percevoir votre avoir LPP sous forme de rente viag\u00e8re, de capital unique, ou d&rsquo;une combinaison des deux. Ce choix est irr\u00e9vocable et il doit \u00eatre communiqu\u00e9 \u00e0 votre caisse de pension au minimum un an \u00e0 l&rsquo;avance.<\/p><p><strong>La rente<\/strong> garantit un revenu mensuel fixe \u00e0 vie, ind\u00e9pendamment de votre long\u00e9vit\u00e9 ou de l&rsquo;\u00e9volution des march\u00e9s. Avec le taux de conversion l\u00e9gal de 6,8 % sur la part obligatoire, elle repr\u00e9sente un rendement garanti difficile \u00e0 \u00e9galer avec des placements s\u00e9curitaires. En contrepartie, le capital restant ne se transmet pas aux h\u00e9ritiers et la rente est impos\u00e9e \u00e0 100 % comme revenu.<\/p><p><strong>Le capital<\/strong> offre une flexibilit\u00e9 totale \u2014 rembourser une hypoth\u00e8que, investir, organiser une succession \u2014 et est impos\u00e9 une seule fois \u00e0 taux r\u00e9duit lors du retrait. Mais vous assumez seul la gestion du capital sur 20 \u00e0 30 ans, sans filet de s\u00e9curit\u00e9 si les fonds s&rsquo;\u00e9puisent.<\/p><p>La combinaison des deux est souvent la solution la plus \u00e9quilibr\u00e9e : une partie en rente pour s\u00e9curiser un revenu de base, une partie en capital pour les projets et la transmission.<\/p><p>Pour une analyse chiffr\u00e9e consultez notre <a href=\"https:\/\/invexa.ch\/prevoyance\/lpp-a-la-retraite-faut-il-choisir-la-rente-ou-le-capital\/\" target=\"_blank\" rel=\"noopener\">guide rente ou capital LPP<\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7de62a3 elementor-widget elementor-widget-heading\" data-id=\"7de62a3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Comment retirer son 2\u00e8me pilier ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e4a936e elementor-widget elementor-widget-text-editor\" data-id=\"e4a936e\" 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 capital de votre 2\u00e8me pilier peut \u00eatre retir\u00e9 sous <a href=\"http:\/\/invexa.swiss\/conditions-retrait-2eme-pilier\/\">certaines conditions<\/a>:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a9af40 elementor-widget elementor-widget-heading\" data-id=\"4a9af40\" 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. D\u00e9part \u00e0 la retraite<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-54e89b4 elementor-widget elementor-widget-text-editor\" data-id=\"54e89b4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Vous pouvez demander le versement de tout ou partie de votre avoir de vieillesse sous forme de capital, selon les r\u00e8gles de votre caisse de pension. Une demande formelle doit \u00eatre faite plusieurs mois \u00e0 l\u2019avance.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-16ee688 elementor-widget elementor-widget-heading\" data-id=\"16ee688\" 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. D\u00e9part d\u00e9finitif de Suisse<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-61c133f elementor-widget elementor-widget-text-editor\" data-id=\"61c133f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Si vous quittez la Suisse pour un pays hors de l\u2019UE\/AELE, vous pouvez retirer l\u2019entier de votre 2e pilier. Si vous partez dans un pays de l\u2019UE\/AELE, seul le montant surobligatoire est retirable, sauf exceptions.<\/p><p>Si vous avez d\u00e9j\u00e0 <a href=\"http:\/\/invexa.swiss\/retour-en-suisse-apres-retrait-du-2eme-pilier-lpp\/\">retir\u00e9 votre 2\u00e8me pilier lors d&rsquo;un d\u00e9part \u00e0 l&rsquo;\u00e9tranger<\/a> et que vous envisagez un retour en Suisse, les cons\u00e9quences sur votre pr\u00e9voyance sont importantes.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-73a985d elementor-widget elementor-widget-heading\" data-id=\"73a985d\" 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. Acc\u00e8s \u00e0 la propri\u00e9t\u00e9<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b347359 elementor-widget elementor-widget-text-editor\" data-id=\"b347359\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Vous pouvez utiliser votre avoir pour financer l\u2019achat de votre r\u00e9sidence principale, soit par retrait anticip\u00e9, soit comme garantie (EPL &#8211; encouragement \u00e0 la propri\u00e9t\u00e9).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-16f3544 elementor-widget elementor-widget-heading\" data-id=\"16f3544\" 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. D\u00e9but d\u2019une activit\u00e9 ind\u00e9pendante<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-af65706 elementor-widget elementor-widget-text-editor\" data-id=\"af65706\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tSi vous quittez votre statut de salari\u00e9 pour devenir ind\u00e9pendant en Suisse, vous pouvez demander le versement de votre capital de pr\u00e9voyance.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5ce2ea5 elementor-widget elementor-widget-heading\" data-id=\"5ce2ea5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">5. Faible montant<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ea15edb elementor-widget elementor-widget-text-editor\" data-id=\"ea15edb\" 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 votre avoir de libre passage est inf\u00e9rieur \u00e0 une ann\u00e9e de cotisations, vous pouvez en demander le retrait.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eef328c elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"eef328c\" 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>Imposition des retraits :<\/strong> Chaque retrait est soumis \u00e0 l\u2019<a href=\"http:\/\/invexa.swiss\/impot-retrait-2eme-pilier\/\">imp\u00f4t sur les prestations en capital<\/a>, un imp\u00f4t \u00e0 <strong>taux r\u00e9duit<\/strong>, distinct du revenu ordinaire, \u00e0 <strong>1\/5<\/strong> du taux d'imposition. Il est donc conseill\u00e9 de planifier cette op\u00e9ration avec soin.<\/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-de3b786 elementor-widget elementor-widget-heading\" data-id=\"de3b786\" 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\">Fiscalit\u00e9 du retrait<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9a9c53f elementor-widget elementor-widget-text-editor\" data-id=\"9a9c53f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>En Suisse, le retrait du capital LPP est soumis \u00e0 un imp\u00f4t sur les prestations en capital, c&rsquo;est un imp\u00f4t distinct du revenu ordinaire, appliqu\u00e9 \u00e0 un taux r\u00e9duit correspondant \u00e0 environ 1\/5 du taux habituel selon les cantons.<\/p><p>Le taux varie fortement selon le canton de domicile au moment du retrait. Pour un retrait de CHF 200&rsquo;000, les \u00e9carts sont significatifs :<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-454b403 elementor-widget elementor-widget-html\" data-id=\"454b403\" 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\": \"Imposition du retrait du pilier 3a par canton en Suisse 2026\",\n  \"description\": \"Tableau comparatif des taux d'imposition estim\u00e9s et de l'imp\u00f4t approximatif sur le retrait du pilier 3a selon les cantons suisses : Zoug, Gen\u00e8ve, Vaud, Fribourg, Valais, Zurich.\",\n  \"keywords\": [\"imposition pilier 3a canton\", \"taux imp\u00f4t retrait 3a\", \"imp\u00f4t pilier 3a suisse 2026\", \"retrait 3a par canton\"]\n}\n<\/script>\n<div class=\"t\">\n  <table>\n    <caption style=\"display:none\">Imposition du retrait pilier 3a par canton Suisse 2026<\/caption>\n    <thead>\n      <tr>\n        <th scope=\"col\">Canton<\/th>\n        <th scope=\"col\">Taux estim\u00e9<\/th>\n        <th scope=\"col\">Imp\u00f4t approximatif<\/th>\n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr>\n        <td>Zoug<\/td>\n        <td data-label=\"Taux estim\u00e9\"><span class=\"win\">~4,2%<\/span><\/td>\n        <td data-label=\"Imp\u00f4t approximatif\"><span class=\"win\">~CHF 8'400<\/span><\/td>\n      <\/tr>\n      <tr>\n        <td>Valais<\/td>\n        <td data-label=\"Taux estim\u00e9\">~5,5%<\/td>\n        <td data-label=\"Imp\u00f4t approximatif\">~CHF 11'000<\/td>\n      <\/tr>\n      <tr>\n        <td>Zurich<\/td>\n        <td data-label=\"Taux estim\u00e9\">~5,6%<\/td>\n        <td data-label=\"Imp\u00f4t approximatif\">~CHF 11'200<\/td>\n      <\/tr>\n      <tr>\n        <td>Gen\u00e8ve<\/td>\n        <td data-label=\"Taux estim\u00e9\">~5,7%<\/td>\n        <td data-label=\"Imp\u00f4t approximatif\">~CHF 11'400<\/td>\n      <\/tr>\n      <tr>\n        <td>Fribourg<\/td>\n        <td data-label=\"Taux estim\u00e9\">~5,8%<\/td>\n        <td data-label=\"Imp\u00f4t approximatif\">~CHF 11'600<\/td>\n      <\/tr>\n      <tr>\n        <td>Vaud<\/td>\n        <td data-label=\"Taux estim\u00e9\">~6,4%<\/td>\n        <td data-label=\"Imp\u00f4t approximatif\">~CHF 12'800<\/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-db6cc6d elementor-widget elementor-widget-text-editor\" data-id=\"db6cc6d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>L&rsquo;imp\u00f4t est progressif :<\/strong> plus le montant retir\u00e9 est \u00e9lev\u00e9 en une seule fois, plus le taux effectif augmente. Fractionner les retraits sur plusieurs ann\u00e9es fiscales peut g\u00e9n\u00e9rer des \u00e9conomies importantes. Par exemple, \u00e0 Gen\u00e8ve, deux retraits de CHF 250&rsquo;000 espac\u00e9s d&rsquo;un an co\u00fbtent environ CHF 10&rsquo;500 de moins qu&rsquo;un retrait unique de CHF 500&rsquo;000.<\/p><p><strong>Trois r\u00e8gles essentielles \u00e0 retenir :<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cd547b6 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"cd547b6\" 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=\"061fad57c4\"><rect x=\"0\" width=\"139\" y=\"0\" height=\"375\"><\/rect><\/clipPath><\/defs><rect x=\"-37.5\" width=\"450\" fill=\"#ffffff\" y=\"-37.499999\" height=\"449.999989\" fill-opacity=\"1\"><\/rect><rect x=\"-37.5\" width=\"450\" fill=\"#ffffff\" y=\"-37.499999\" height=\"449.999989\" fill-opacity=\"1\"><\/rect><g transform=\"matrix(1, 0, 0, 1, 118, 0)\"><g clip-path=\"url(#061fad57c4)\"><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\">Ne jamais retirer le capital dans les 3 ans suivant un rachat LPP, sous peine de rappel d'imp\u00f4t<\/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=\"81d0bb1951\"><rect x=\"0\" width=\"330\" y=\"0\" height=\"375\"><\/rect><\/clipPath><\/defs><rect x=\"-37.5\" width=\"450\" 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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\">\u00c9viter de cumuler le retrait LPP et le retrait 3\u00e8me pilier la m\u00eame ann\u00e9e fiscale<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"500\" zoomAndPan=\"magnify\" viewBox=\"0 0 375 374.999991\" height=\"500\" preserveAspectRatio=\"xMidYMid meet\"><defs><g><\/g><clipPath id=\"b97fc6b5fc\"><rect x=\"0\" width=\"339\" y=\"0\" height=\"375\"><\/rect><\/clipPath><\/defs><rect x=\"-37.5\" width=\"450\" fill=\"#ffffff\" y=\"-37.499999\" height=\"449.999989\" fill-opacity=\"1\"><\/rect><rect 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-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\">Pour les couples, coordonner les retraits sur deux ann\u00e9es distinctes<\/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-05ebba2 elementor-widget elementor-widget-text-editor\" data-id=\"05ebba2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<strong>Cas particulier des frontaliers fran\u00e7ais :<\/strong> le <a href=\"http:\/\/invexa.swiss\/conditions-pour-retirer-son-2eme-pilier-frontalier\/\">retrait du 2\u00e8me pilier pour un frontalier<\/a> est soumis \u00e0 plusieurs pr\u00e9l\u00e8vements cumul\u00e9s : l&rsquo;imp\u00f4t \u00e0 la source suisse, l&rsquo;imposition fran\u00e7aise (pr\u00e9l\u00e8vement forfaitaire de 7,5% apr\u00e8s abattement de 10%, ou bar\u00e8me progressif), et les pr\u00e9l\u00e8vements sociaux (~9%). Sur un capital de CHF 200&rsquo;000, la charge fiscale totale peut atteindre CHF 30&rsquo;000 \u00e0 35&rsquo;000 selon la situation. Une planification anticip\u00e9e est indispensable.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-276e93d elementor-widget elementor-widget-heading\" data-id=\"276e93d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Rachat LPP : optimiser sa retraite<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6697c5d elementor-widget elementor-widget-text-editor\" data-id=\"6697c5d\" 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>Effectuer des <a href=\"https:\/\/invexa.ch\/prevoyance\/rachat-2eme-pilier-comment-ca-marche\/\" data-wplink-edit=\"true\" target=\"_blank\" rel=\"noopener\">rachats dans votre caisse de pension<\/a> est le moyen le plus efficace d\u2019<strong>am\u00e9liorer<\/strong> vos <strong>prestations<\/strong> du 2\u00e8me pilier. Ces versements <strong>volontaires<\/strong> permettent de combler d\u2019\u00e9ventuelles lacunes de cotisation, par exemple apr\u00e8s un changement d\u2019emploi, un cong\u00e9 non pay\u00e9 ou une r\u00e9duction du taux d\u2019activit\u00e9.<\/p><p>Le montant rachet\u00e9 augmente directement votre avoir de vieillesse, ce qui se traduit par une rente plus \u00e9lev\u00e9e \u00e0 la retraite. En plus de cet avantage, les rachats sont fiscalement d\u00e9ductibles, ce qui permet de r\u00e9duire votre revenu imposable. Il convient toutefois de respecter certaines conditions, notamment un d\u00e9lai de trois ans avant un retrait en capital si vous avez effectu\u00e9 un rachat.<\/p><p>Pour <strong>optimiser votre pr\u00e9voyance<\/strong>, le <a href=\"https:\/\/invexa.ch\/prevoyance\/3eme-pilier\/\" target=\"_blank\" rel=\"noopener\">3\u00e8me pilier<\/a> offre une solution sur mesure et compl\u00e9mentaire \u00e0 votre caisse de pension. Le <a href=\"https:\/\/invexa.ch\/prevoyance\/pilier-3a\/\" target=\"_blank\" rel=\"noopener\">pilier 3a<\/a>, ainsi que le <a href=\"https:\/\/invexa.ch\/prevoyance\/pilier-3b\/\" target=\"_blank\" rel=\"noopener\">pilier 3b<\/a> dans certains cantons, b\u00e9n\u00e9ficient d&rsquo;un avantage fiscal reconnu.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-50e2271 elementor-widget elementor-widget-heading\" data-id=\"50e2271\" 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\">Partage du 2\u00e8me pilier en cas de divorce<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5307095 elementor-widget elementor-widget-text-editor\" data-id=\"5307095\" 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 divorce en Suisse, les avoirs du 2\u00e8me pilier accumul\u00e9s pendant le mariage sont en principe <strong>partag\u00e9s \u00e9quitablement<\/strong> entre les \u00e9poux, quelle que soit la r\u00e9partition des biens ou le r\u00e9gime matrimonial. Ce partage concerne uniquement les prestations de sortie (avoirs de libre passage) constitu\u00e9es durant la vie commune.<\/p><p>Le montant est calcul\u00e9 \u00e0 la date d\u2019introduction de la proc\u00e9dure de divorce. Chaque conjoint a droit \u00e0 la <strong>moiti\u00e9<\/strong> des avoirs de pr\u00e9voyance que l\u2019autre a \u00e9pargn\u00e9s pendant le mariage. Si l\u2019un des deux n\u2019a pas ou peu cotis\u00e9 (par exemple en cas de pause professionnelle pour \u00e9lever les enfants), il peut ainsi r\u00e9cup\u00e9rer une partie de l\u2019avoir de l\u2019autre sous forme de prestation compensatoire.<\/p><p>Le montant transf\u00e9r\u00e9 est vers\u00e9 soit dans la caisse de pension du b\u00e9n\u00e9ficiaire, soit sur un <strong>compte de libre passage<\/strong>, s\u2019il n\u2019est pas imm\u00e9diatement affili\u00e9 \u00e0 une caisse. Des exceptions existent (par exemple en cas d\u2019accord diff\u00e9rent valid\u00e9 par le juge ou de rente d\u00e9j\u00e0 en cours), mais le principe du partage reste la r\u00e8gle dans la l\u00e9gislation suisse.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eb696ef elementor-widget elementor-widget-heading\" data-id=\"eb696ef\" 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\">Libre passage et changement d'emploi<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-28d2ebc elementor-widget elementor-widget-text-editor\" data-id=\"28d2ebc\" 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 <strong><a href=\"http:\/\/invexa.swiss\/compte-libre-passage\/\">compte ou d\u00e9p\u00f4t de libre passage<\/a><\/strong> sert \u00e0 <strong>conserver<\/strong> vos avoirs du 2\u00e8me pilier lorsque vous quittez une caisse de pension sans en rejoindre imm\u00e9diatement une autre. C\u2019est une solution transitoire obligatoire pour ne pas perdre vos droits \u00e0 la pr\u00e9voyance professionnelle.<\/p><p>Ce cas se pr\u00e9sente notamment si vous:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bf313db elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"bf313db\" 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-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Quittez votre emploi sans en reprendre un tout de suite,<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Devenez ind\u00e9pendant<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">R\u00e9duisez votre taux d\u2019activit\u00e9 en dessous du seuil LPP<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">\u00cates en p\u00e9riode de ch\u00f4mage<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Partez \u00e0 l\u2019\u00e9tranger<\/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-8b27e34 elementor-widget elementor-widget-text-editor\" data-id=\"8b27e34\" 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\u2019avoir accumul\u00e9 reste ainsi bloqu\u00e9, prot\u00e9g\u00e9 et continue \u00e0 produire des int\u00e9r\u00eats, tout en \u00e9tant exon\u00e9r\u00e9 d&rsquo;imp\u00f4t sur la fortune. Vous pouvez le transf\u00e9rer soit sur un <strong>compte ou d\u00e9p\u00f4t bancaire<\/strong> de libre passage, soit dans une <strong>police d\u2019assurance<\/strong> de libre passage. Vous gardez ainsi le lien avec le syst\u00e8me de pr\u00e9voyance, en attendant une nouvelle affiliation ou un autre \u00e9v\u00e9nement (retraite, rachat, ou retrait anticip\u00e9 sous conditions). Dans tous les cas, <a href=\"https:\/\/comparatif-3eme-pilier.ch\/comparatif-compte-libre-passage-suisse\/\" target=\"_blank\" rel=\"noopener\">comparer les solutions de libre passage<\/a> est essentiel avant de prendre une d\u00e9cision.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5538b47 elementor-widget elementor-widget-heading\" data-id=\"5538b47\" 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-e6af130 elementor-widget elementor-widget-n-accordion\" data-id=\"e6af130\" 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-2410\" 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-2410\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Comment fonctionne le deuxi\u00e8me pilier ? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M34.9 289.5l-22.2-22.2c-9.4-9.4-9.4-24.6 0-33.9L207 39c9.4-9.4 24.6-9.4 33.9 0l194.3 194.3c9.4 9.4 9.4 24.6 0 33.9L413 289.4c-9.5 9.5-25 9.3-34.3-.4L264 168.6V456c0 13.3-10.7 24-24 24h-32c-13.3 0-24-10.7-24-24V168.6L69.2 289.1c-9.3 9.8-24.8 10-34.3.4z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M413.1 222.5l22.2 22.2c9.4 9.4 9.4 24.6 0 33.9L241 473c-9.4 9.4-24.6 9.4-33.9 0L12.7 278.6c-9.4-9.4-9.4-24.6 0-33.9l22.2-22.2c9.5-9.5 25-9.3 34.3.4L184 343.4V56c0-13.3 10.7-24 24-24h32c13.3 0 24 10.7 24 24v287.4l114.8-120.5c9.3-9.8 24.8-10 34.3-.4z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2410\" class=\"elementor-element elementor-element-41b81d3 e-con-full e-flex e-con e-child\" data-id=\"41b81d3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7391428 elementor-widget elementor-widget-text-editor\" data-id=\"7391428\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tLe 2e pilier compl\u00e8te l\u2019AVS et permet de maintenir environ 60% de revenu ant\u00e9rieur \u00e0 la retraite. Il est financ\u00e9 par des cotisations partag\u00e9es entre employ\u00e9 et employeur.\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-2411\" 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-2411\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Depuis quand existe le 2\u00e8me pilier? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M34.9 289.5l-22.2-22.2c-9.4-9.4-9.4-24.6 0-33.9L207 39c9.4-9.4 24.6-9.4 33.9 0l194.3 194.3c9.4 9.4 9.4 24.6 0 33.9L413 289.4c-9.5 9.5-25 9.3-34.3-.4L264 168.6V456c0 13.3-10.7 24-24 24h-32c-13.3 0-24-10.7-24-24V168.6L69.2 289.1c-9.3 9.8-24.8 10-34.3.4z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M413.1 222.5l22.2 22.2c9.4 9.4 9.4 24.6 0 33.9L241 473c-9.4 9.4-24.6 9.4-33.9 0L12.7 278.6c-9.4-9.4-9.4-24.6 0-33.9l22.2-22.2c9.5-9.5 25-9.3 34.3.4L184 343.4V56c0-13.3 10.7-24 24-24h32c13.3 0 24 10.7 24 24v287.4l114.8-120.5c9.3-9.8 24.8-10 34.3-.4z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2411\" class=\"elementor-element elementor-element-2d10f80 e-con-full e-flex e-con e-child\" data-id=\"2d10f80\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-550cc60 elementor-widget elementor-widget-text-editor\" data-id=\"550cc60\" 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 2\u00e8me pilier a \u00e9t\u00e9 introduit en Suisse en <strong>1985<\/strong> avec l\u2019entr\u00e9e en vigueur de la LPP.<\/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-2412\" 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-2412\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Quel est le montant moyen du 2\u00e8me pilier en Suisse ? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M34.9 289.5l-22.2-22.2c-9.4-9.4-9.4-24.6 0-33.9L207 39c9.4-9.4 24.6-9.4 33.9 0l194.3 194.3c9.4 9.4 9.4 24.6 0 33.9L413 289.4c-9.5 9.5-25 9.3-34.3-.4L264 168.6V456c0 13.3-10.7 24-24 24h-32c-13.3 0-24-10.7-24-24V168.6L69.2 289.1c-9.3 9.8-24.8 10-34.3.4z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M413.1 222.5l22.2 22.2c9.4 9.4 9.4 24.6 0 33.9L241 473c-9.4 9.4-24.6 9.4-33.9 0L12.7 278.6c-9.4-9.4-9.4-24.6 0-33.9l22.2-22.2c9.5-9.5 25-9.3 34.3.4L184 343.4V56c0-13.3 10.7-24 24-24h32c13.3 0 24 10.7 24 24v287.4l114.8-120.5c9.3-9.8 24.8-10 34.3-.4z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2412\" class=\"elementor-element elementor-element-27a63fe e-con-full e-flex e-con e-child\" data-id=\"27a63fe\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fd61fb3 elementor-widget elementor-widget-text-editor\" data-id=\"fd61fb3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tL\u2019avoir moyen de vieillesse LPP en Suisse s\u2019\u00e9l\u00e8ve \u00e0 environ CHF 100\u2019000-150\u2019000, mais varie fortement selon l\u2019\u00e2ge, le salaire et la dur\u00e9e de cotisation.\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-2413\" 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-2413\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Quand peut-on retirer son deuxi\u00e8me pilier ? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M34.9 289.5l-22.2-22.2c-9.4-9.4-9.4-24.6 0-33.9L207 39c9.4-9.4 24.6-9.4 33.9 0l194.3 194.3c9.4 9.4 9.4 24.6 0 33.9L413 289.4c-9.5 9.5-25 9.3-34.3-.4L264 168.6V456c0 13.3-10.7 24-24 24h-32c-13.3 0-24-10.7-24-24V168.6L69.2 289.1c-9.3 9.8-24.8 10-34.3.4z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M413.1 222.5l22.2 22.2c9.4 9.4 9.4 24.6 0 33.9L241 473c-9.4 9.4-24.6 9.4-33.9 0L12.7 278.6c-9.4-9.4-9.4-24.6 0-33.9l22.2-22.2c9.5-9.5 25-9.3 34.3.4L184 343.4V56c0-13.3 10.7-24 24-24h32c13.3 0 24 10.7 24 24v287.4l114.8-120.5c9.3-9.8 24.8-10 34.3-.4z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2413\" class=\"elementor-element elementor-element-c5c9a5f e-con-full e-flex e-con e-child\" data-id=\"c5c9a5f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-704df80 elementor-widget elementor-widget-text-editor\" data-id=\"704df80\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>\u00c0 la <strong>retraite<\/strong>, ou plus t\u00f4t dans <strong>certains cas<\/strong>: d\u00e9part d\u00e9finitif de Suisse, achat d\u2019un logement, d\u00e9but d\u2019activit\u00e9 ind\u00e9pendante ou montant trop faible.<\/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-2414\" 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-2414\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Comment savoir combien j'ai sur mon 2\u00e8me pilier ? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M34.9 289.5l-22.2-22.2c-9.4-9.4-9.4-24.6 0-33.9L207 39c9.4-9.4 24.6-9.4 33.9 0l194.3 194.3c9.4 9.4 9.4 24.6 0 33.9L413 289.4c-9.5 9.5-25 9.3-34.3-.4L264 168.6V456c0 13.3-10.7 24-24 24h-32c-13.3 0-24-10.7-24-24V168.6L69.2 289.1c-9.3 9.8-24.8 10-34.3.4z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M413.1 222.5l22.2 22.2c9.4 9.4 9.4 24.6 0 33.9L241 473c-9.4 9.4-24.6 9.4-33.9 0L12.7 278.6c-9.4-9.4-9.4-24.6 0-33.9l22.2-22.2c9.5-9.5 25-9.3 34.3.4L184 343.4V56c0-13.3 10.7-24 24-24h32c13.3 0 24 10.7 24 24v287.4l114.8-120.5c9.3-9.8 24.8-10 34.3-.4z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2414\" class=\"elementor-element elementor-element-87e02ed e-con-full e-flex e-con e-child\" data-id=\"87e02ed\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3caf6fa elementor-widget elementor-widget-text-editor\" data-id=\"3caf6fa\" 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>Chaque ann\u00e9e, votre caisse de pension vous envoie un <a href=\"http:\/\/invexa.swiss\/certificat-lpp\/\">certificat de pr\u00e9voyance<\/a> indiquant votre avoir de pr\u00e9voyance et les prestations actuelles et projet\u00e9es.<\/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-2415\" 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-2415\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Qui cotise au 2\u00e8me pilier ? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M34.9 289.5l-22.2-22.2c-9.4-9.4-9.4-24.6 0-33.9L207 39c9.4-9.4 24.6-9.4 33.9 0l194.3 194.3c9.4 9.4 9.4 24.6 0 33.9L413 289.4c-9.5 9.5-25 9.3-34.3-.4L264 168.6V456c0 13.3-10.7 24-24 24h-32c-13.3 0-24-10.7-24-24V168.6L69.2 289.1c-9.3 9.8-24.8 10-34.3.4z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M413.1 222.5l22.2 22.2c9.4 9.4 9.4 24.6 0 33.9L241 473c-9.4 9.4-24.6 9.4-33.9 0L12.7 278.6c-9.4-9.4-9.4-24.6 0-33.9l22.2-22.2c9.5-9.5 25-9.3 34.3.4L184 343.4V56c0-13.3 10.7-24 24-24h32c13.3 0 24 10.7 24 24v287.4l114.8-120.5c9.3-9.8 24.8-10 34.3-.4z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2415\" class=\"elementor-element elementor-element-85519a6 e-con-full e-flex e-con e-child\" data-id=\"85519a6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8234e4e elementor-widget elementor-widget-text-editor\" data-id=\"8234e4e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Tous les salari\u00e9s de <strong>17 ans<\/strong> ou plus dont le revenu annuel d\u00e9passe <strong>CHF 22\u2019680<\/strong> (en 2026). Les ind\u00e9pendants peuvent s\u2019y affilier volontairement.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2416\" 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-2416\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Comment d\u00e9bloquer son 2eme pilier en Suisse ? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M34.9 289.5l-22.2-22.2c-9.4-9.4-9.4-24.6 0-33.9L207 39c9.4-9.4 24.6-9.4 33.9 0l194.3 194.3c9.4 9.4 9.4 24.6 0 33.9L413 289.4c-9.5 9.5-25 9.3-34.3-.4L264 168.6V456c0 13.3-10.7 24-24 24h-32c-13.3 0-24-10.7-24-24V168.6L69.2 289.1c-9.3 9.8-24.8 10-34.3.4z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M413.1 222.5l22.2 22.2c9.4 9.4 9.4 24.6 0 33.9L241 473c-9.4 9.4-24.6 9.4-33.9 0L12.7 278.6c-9.4-9.4-9.4-24.6 0-33.9l22.2-22.2c9.5-9.5 25-9.3 34.3.4L184 343.4V56c0-13.3 10.7-24 24-24h32c13.3 0 24 10.7 24 24v287.4l114.8-120.5c9.3-9.8 24.8-10 34.3-.4z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2416\" class=\"elementor-element elementor-element-f2295bb e-con-full e-flex e-con e-child\" data-id=\"f2295bb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4761f1c elementor-widget elementor-widget-text-editor\" data-id=\"4761f1c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Vous pouvez <strong>d\u00e9bloquer<\/strong> votre 2\u00e8me pilier en Suisse \u00e0 la retraite ou plus t\u00f4t pour acheter un logement, devenir ind\u00e9pendant ou quitter d\u00e9finitivement le pays.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Comment fonctionne le deuxi\\u00e8me pilier ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Le 2e pilier compl\\u00e8te l\\u2019AVS et permet de maintenir environ 60% de revenu ant\\u00e9rieur \\u00e0 la retraite. Il est financ\\u00e9 par des cotisations partag\\u00e9es entre employ\\u00e9 et employeur.\"}},{\"@type\":\"Question\",\"name\":\"Depuis quand existe le 2\\u00e8me pilier?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Le 2\\u00e8me pilier a \\u00e9t\\u00e9 introduit en Suisse en 1985 avec l\\u2019entr\\u00e9e en vigueur de la LPP.\"}},{\"@type\":\"Question\",\"name\":\"Quel est le montant moyen du 2\\u00e8me pilier en Suisse ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"L\\u2019avoir moyen de vieillesse LPP en Suisse s\\u2019\\u00e9l\\u00e8ve \\u00e0 environ CHF 100\\u2019000-150\\u2019000, mais varie fortement selon l\\u2019\\u00e2ge, le salaire et la dur\\u00e9e de cotisation.\"}},{\"@type\":\"Question\",\"name\":\"Quand peut-on retirer son deuxi\\u00e8me pilier ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"\\u00c0 la retraite, ou plus t\\u00f4t dans certains cas: d\\u00e9part d\\u00e9finitif de Suisse, achat d\\u2019un logement, d\\u00e9but d\\u2019activit\\u00e9 ind\\u00e9pendante ou montant trop faible.\"}},{\"@type\":\"Question\",\"name\":\"Comment savoir combien j'ai sur mon 2\\u00e8me pilier ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Chaque ann\\u00e9e, votre caisse de pension vous envoie un certificat de pr\\u00e9voyance indiquant votre avoir de pr\\u00e9voyance et les prestations actuelles et projet\\u00e9es.\"}},{\"@type\":\"Question\",\"name\":\"Qui cotise au 2\\u00e8me pilier ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Tous les salari\\u00e9s de 17 ans ou plus dont le revenu annuel d\\u00e9passe CHF 22\\u2019680 (en 2026). Les ind\\u00e9pendants peuvent s\\u2019y affilier volontairement.\"}},{\"@type\":\"Question\",\"name\":\"Comment d\\u00e9bloquer son 2eme pilier en Suisse ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Vous pouvez d\\u00e9bloquer votre 2\\u00e8me pilier en Suisse \\u00e0 la retraite ou plus t\\u00f4t pour acheter un logement, devenir ind\\u00e9pendant ou quitter d\\u00e9finitivement le pays.\"}}]}<\/script>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\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>Discover everything you need to know about the 2nd pillar in Switzerland: how it works, 2026 occupational pension (LPP\/BVG) contributions, benefits, and withdrawal conditions.<\/p>","protected":false},"author":1,"featured_media":470,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[5],"tags":[12,22],"class_list":["post-320","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-prevoyance","tag-2eme-pilier","tag-lpp"],"_links":{"self":[{"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/posts\/320","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=320"}],"version-history":[{"count":3,"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/posts\/320\/revisions"}],"predecessor-version":[{"id":2256,"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/posts\/320\/revisions\/2256"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/media\/470"}],"wp:attachment":[{"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/media?parent=320"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/categories?post=320"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/tags?post=320"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}