{"id":386,"date":"2026-08-03T08:00:56","date_gmt":"2026-08-03T08:00:56","guid":{"rendered":"https:\/\/invexa.swiss\/?p=386"},"modified":"2026-09-08T11:12:43","modified_gmt":"2026-09-08T11:12:43","slug":"retirement-age-switzerland","status":"publish","type":"post","link":"https:\/\/invexa.swiss\/en\/age-de-la-retraite-en-suisse\/","title":{"rendered":"Retirement Age in Switzerland: Guide &amp; AVS 21 Reform"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"386\" class=\"elementor elementor-386\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9954e50 e-con-full e-flex e-con e-parent\" data-id=\"9954e50\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-788def1 e-con-full e-flex e-con e-child\" data-id=\"788def1\" 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-54e3de9 elementor-widget elementor-widget-heading\" data-id=\"54e3de9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">L'essentiel en un coup d'\u0153il<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-034271d elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"034271d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>AVS (1er pilier) :<\/b> L'\u00e2ge de r\u00e9f\u00e9rence est de <strong>65<\/strong> ans (alignement progressif des femmes achev\u00e9 sous AVS 21). D\u00e9part flexible possible de <strong>63 \u00e0 70 ans<\/strong>.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>2\u00e8me pilier (LPP) :<\/b> Retraite align\u00e9e sur l'AVS (65 ans), mais retrait anticip\u00e9 possible d\u00e8s 58 ans dans la plupart des caisses.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>3\u00e8me pilier (3a):<\/b> Capital accessible au plus t\u00f4t 5 ans avant l'\u00e2ge de r\u00e9f\u00e9rence (d\u00e8s 60 ans), et jusqu'\u00e0 70 ans si vous continuez \u00e0 travailler.<\/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-01f0c14 elementor-widget elementor-widget-heading\" data-id=\"01f0c14\" 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\">Synth\u00e8se : R\u00e9capitulatif des \u00e2ges cl\u00e9s de la retraite suisse<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5529b81 elementor-widget elementor-widget-text-editor\" data-id=\"5529b81\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tPour planifier efficacement votre d\u00e9part, voici le tableau comparatif r\u00e9capitulant les r\u00e8gles d&rsquo;\u00e2ge, de retrait anticip\u00e9 et d&rsquo;ajournement pour chacun des trois piliers du syst\u00e8me de pr\u00e9voyance suisse :\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-07300e3 elementor-widget elementor-widget-html\" data-id=\"07300e3\" 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\": \"\u00c2ges de retraite par pilier en Suisse \u2014 AVS, LPP et 3\u00e8me pilier\",\n  \"description\": \"Comparatif des \u00e2ges de r\u00e9f\u00e9rence, de retrait anticip\u00e9, d'ajournement, de la forme de versement et des cons\u00e9quences d'un retrait anticip\u00e9 pour chaque pilier de pr\u00e9voyance en Suisse.\",\n  \"keywords\": [\"\u00e2ge retraite par pilier suisse\", \"retrait anticip\u00e9 AVS LPP 3a\", \"ajournement retraite suisse\", \"\u00e2ge r\u00e9f\u00e9rence pr\u00e9voyance suisse 2026\"]\n}\n<\/script>\n<div class=\"t\">\n  <table>\n    <caption style=\"display:none\">\u00c2ges de retraite par pilier en Suisse \u2014 AVS, LPP et 3\u00e8me pilier : \u00e2ge de r\u00e9f\u00e9rence, retrait anticip\u00e9, ajournement et cons\u00e9quences<\/caption>\n    <thead>\n      <tr>\n        <th scope=\"col\">Caract\u00e9ristique<\/th>\n        <th scope=\"col\">1er pilier (AVS)<\/th>\n        <th scope=\"col\">2\u00e8me pilier (LPP)<\/th>\n        <th scope=\"col\">3\u00e8me pilier (3A)<\/th>\n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr>\n        <td>\u00c2ge de r\u00e9f\u00e9rence ordinaire<\/td>\n        <td data-label=\"1er pilier (AVS)\">65 ans (Hommes \/ Femmes sous AVS 21)<\/td>\n        <td data-label=\"2\u00e8me pilier (LPP)\">65 ans (s'aligne g\u00e9n\u00e9ralement sur l'AVS)<\/td>\n        <td data-label=\"3\u00e8me pilier (3A)\">65 ans (index\u00e9 sur l'\u00e2ge de r\u00e9f\u00e9rence AVS)<\/td>\n      <\/tr>\n      <tr>\n        <td>\u00c2ge minimum de retrait anticip\u00e9<\/td>\n        <td data-label=\"1er pilier (AVS)\">63 ans (62 ans pour la g\u00e9n\u00e9ration transitoire)<\/td>\n        <td data-label=\"2\u00e8me pilier (LPP)\"><span class=\"frais-low\">58 ans (selon le r\u00e8glement de votre caisse)<\/span><\/td>\n        <td data-label=\"3\u00e8me pilier (3A)\">5 ans avant l'\u00e2ge AVS (d\u00e8s 60 ans ou 59 ans selon le palier)<\/td>\n      <\/tr>\n      <tr>\n        <td>\u00c2ge maximum d'ajournement<\/td>\n        <td data-label=\"1er pilier (AVS)\">70 ans (majoration permanente de rente)<\/td>\n        <td data-label=\"2\u00e8me pilier (LPP)\">70 ans (si vous continuez \u00e0 travailler)<\/td>\n        <td data-label=\"3\u00e8me pilier (3A)\">70 ans (si vous continuez \u00e0 travailler)<\/td>\n      <\/tr>\n      <tr>\n        <td>Forme du versement<\/td>\n        <td data-label=\"1er pilier (AVS)\">Rente mensuelle \u00e0 vie<\/td>\n        <td data-label=\"2\u00e8me pilier (LPP)\">Rente, Capital (min. 25 %) ou Mixte<\/td>\n        <td data-label=\"3\u00e8me pilier (3A)\">Capital uniquement<\/td>\n      <\/tr>\n      <tr>\n        <td>Cons\u00e9quence d'un retrait anticip\u00e9<\/td>\n        <td data-label=\"1er pilier (AVS)\">R\u00e9duction permanente de la rente (-6,8 %\/an)<\/td>\n        <td data-label=\"2\u00e8me pilier (LPP)\">Taux de conversion plus bas et capital r\u00e9duit<\/td>\n        <td data-label=\"3\u00e8me pilier (3A)\"><span class=\"frais-low\">Pas de r\u00e9duction de taux, mais imposition anticip\u00e9e<\/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-c25c55d elementor-widget elementor-widget-heading\" data-id=\"c25c55d\" 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\">Quel est l'\u00e2ge l\u00e9gal de la retraite en Suisse (AVS) ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-59cc171 elementor-widget elementor-widget-text-editor\" data-id=\"59cc171\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>En Suisse, la notion d&rsquo;\u00ab \u00e2ge l\u00e9gal \u00bb a officiellement laiss\u00e9 sa place \u00e0 celle d&rsquo;\u00ab <strong>\u00e2ge de r\u00e9f\u00e9rence<\/strong> \u00bb avec l&rsquo;entr\u00e9e en vigueur de la r\u00e9forme <strong>AVS 21<\/strong>. Cet \u00e2ge de r\u00e9f\u00e9rence correspond au moment pr\u00e9cis o\u00f9 vous pouvez prendre votre retraite sans subir de r\u00e9duction de rente ni b\u00e9n\u00e9ficier d&rsquo;une majoration.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3da6a54 elementor-widget elementor-widget-heading\" data-id=\"3da6a54\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">L'\u00e2ge de r\u00e9f\u00e9rence : Hommes vs Femmes<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d531190 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"d531190\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Pour les hommes :<\/strong> L'\u00e2ge de r\u00e9f\u00e9rence reste fix\u00e9 \u00e0 <strong>65 ans<\/strong>.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Pour les femmes :<\/strong> L'\u00e2ge de r\u00e9f\u00e9rence est en train d'\u00eatre progressivement relev\u00e9 de 64 \u00e0 <strong>65 ans<\/strong>.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c342b03 elementor-widget elementor-widget-text-editor\" data-id=\"c342b03\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tL&rsquo;objectif de la r\u00e9forme AVS 21 est d&rsquo;harmoniser l&rsquo;\u00e2ge de d\u00e9part entre les deux sexes pour assurer le financement de l&rsquo;assurance-vieillesse. L\u2019alignement complet sera atteint pour la g\u00e9n\u00e9ration de femmes n\u00e9es en 1964.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0c62926 elementor-widget elementor-widget-heading\" data-id=\"0c62926\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Tableau r\u00e9capitulatif des d\u00e9parts \u00e0 la retraite (AVS)<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-814df76 elementor-widget elementor-widget-text-editor\" data-id=\"814df76\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tPour conna\u00eetre exactement l&rsquo;\u00e2ge auquel vous atteindrez votre \u00e2ge de r\u00e9f\u00e9rence AVS, r\u00e9f\u00e9rez-vous au calendrier officiel ci-dessous :\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1d5c5fa elementor-widget elementor-widget-html\" data-id=\"1d5c5fa\" 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\": \"\u00c2ge de r\u00e9f\u00e9rence AVS en Suisse selon l'ann\u00e9e de naissance \u2014 r\u00e9forme AVS 21\",\n  \"description\": \"Tableau de l'\u00e2ge de r\u00e9f\u00e9rence AVS pour les hommes et les femmes en Suisse selon l'ann\u00e9e de naissance, incluant la p\u00e9riode transitoire de la r\u00e9forme AVS 21.\",\n  \"keywords\": [\"\u00e2ge retraite AVS suisse\", \"r\u00e9forme AVS 21 \u00e2ge femmes\", \"\u00e2ge r\u00e9f\u00e9rence AVS ann\u00e9e naissance\", \"retraite suisse 2026\"]\n}\n<\/script>\n<div class=\"t\">\n  <table>\n    <caption style=\"display:none\">\u00c2ge de r\u00e9f\u00e9rence AVS en Suisse selon l'ann\u00e9e de naissance \u2014 hommes, femmes et ann\u00e9e de d\u00e9part sans r\u00e9duction<\/caption>\n    <thead>\n      <tr>\n        <th scope=\"col\">Ann\u00e9e de naissance<\/th>\n        <th scope=\"col\">\u00c2ge de r\u00e9f\u00e9rence (Hommes)<\/th>\n        <th scope=\"col\">\u00c2ge de r\u00e9f\u00e9rence (Femmes)<\/th>\n        <th scope=\"col\">Ann\u00e9e de d\u00e9part AVS (sans r\u00e9duction)<\/th>\n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr>\n        <td>1960 et avant<\/td>\n        <td data-label=\"\u00c2ge de r\u00e9f\u00e9rence (Hommes)\">65 ans<\/td>\n        <td data-label=\"\u00c2ge de r\u00e9f\u00e9rence (Femmes)\">64 ans<\/td>\n        <td data-label=\"Ann\u00e9e de d\u00e9part AVS\">D\u00e9j\u00e0 atteint<\/td>\n      <\/tr>\n      <tr>\n        <td>1961<\/td>\n        <td data-label=\"\u00c2ge de r\u00e9f\u00e9rence (Hommes)\">65 ans<\/td>\n        <td data-label=\"\u00c2ge de r\u00e9f\u00e9rence (Femmes)\">64 ans et 3 mois<\/td>\n        <td data-label=\"Ann\u00e9e de d\u00e9part AVS\">2025 \u2013 2026<\/td>\n      <\/tr>\n      <tr>\n        <td>1962<\/td>\n        <td data-label=\"\u00c2ge de r\u00e9f\u00e9rence (Hommes)\">65 ans<\/td>\n        <td data-label=\"\u00c2ge de r\u00e9f\u00e9rence (Femmes)\">64 ans et 6 mois<\/td>\n        <td data-label=\"Ann\u00e9e de d\u00e9part AVS\">2026 \u2013 2027<\/td>\n      <\/tr>\n      <tr>\n        <td>1963<\/td>\n        <td data-label=\"\u00c2ge de r\u00e9f\u00e9rence (Hommes)\">65 ans<\/td>\n        <td data-label=\"\u00c2ge de r\u00e9f\u00e9rence (Femmes)\">64 ans et 9 mois<\/td>\n        <td data-label=\"Ann\u00e9e de d\u00e9part AVS\">2027 \u2013 2028<\/td>\n      <\/tr>\n      <tr>\n        <td>1964 et apr\u00e8s<\/td>\n        <td data-label=\"\u00c2ge de r\u00e9f\u00e9rence (Hommes)\">65 ans<\/td>\n        <td data-label=\"\u00c2ge de r\u00e9f\u00e9rence (Femmes)\"><span class=\"frais-low\">65 ans<\/span><\/td>\n        <td data-label=\"Ann\u00e9e de d\u00e9part AVS\">2029 et plus<\/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-4636460 elementor-widget elementor-widget-menu-anchor\" data-id=\"4636460\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"tableau-recapitulatif-avs\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-baabaf3 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"baabaf3\" 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>Bon \u00e0 savoir :<\/strong> Le droit \u00e0 la rente AVS prend effet le premier jour du mois qui suit le mois o\u00f9 vous atteignez l'\u00e2ge de r\u00e9f\u00e9rence. Par exemple, si vous f\u00eatez vos 65 ans le 14 mai, votre rente sera vers\u00e9e \u00e0 partir du 1\u1d49\u02b3 juin.<\/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-c8001e0 elementor-widget elementor-widget-heading\" data-id=\"c8001e0\" 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\">Retraite des femmes en Suisse : ce qui change avec la r\u00e9forme AVS 21<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ccf6a23 elementor-widget elementor-widget-text-editor\" data-id=\"ccf6a23\" 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>Adopt\u00e9e par le peuple suisse, la r\u00e9forme AVS 21 harmonise l&rsquo;\u00e2ge de la retraite des femmes sur celui des hommes \u00e0 65 ans. Le rel\u00e8vement s&rsquo;effectue progressivement \u00e0 raison de 3 mois suppl\u00e9mentaires par ann\u00e9e de naissance (64 ans et 3 mois pour la g\u00e9n\u00e9ration 1961, jusqu&rsquo;\u00e0 65 ans pour la g\u00e9n\u00e9ration 1964).<\/p><p><a href=\"#tableau-recapitulatif-avs\">Consultez le tableau r\u00e9capitulatif par ann\u00e9e de naissance<\/a> pour conna\u00eetre votre \u00e2ge exact.<\/p><p>Afin d&rsquo;att\u00e9nuer l&rsquo;impact de ce changement, la loi accorde des mesures compensatoires cibl\u00e9es aux femmes n\u00e9es entre <strong>1961 et 1969<\/strong>, d\u00e9sign\u00e9es sous le nom de \u00ab <strong>g\u00e9n\u00e9ration transitoire<\/strong> \u00bb.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fd9b04b elementor-widget elementor-widget-heading\" data-id=\"fd9b04b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Les compensations financi\u00e8res pour la g\u00e9n\u00e9ration transitoire<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-79f609d elementor-widget elementor-widget-text-editor\" data-id=\"79f609d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tLes femmes n\u00e9es entre 1961 et 1969 disposent de deux options de compensation exclusives pour compenser la hausse de l&rsquo;\u00e2ge de r\u00e9f\u00e9rence :\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7dd4ddb elementor-widget elementor-widget-heading\" data-id=\"7dd4ddb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Option 1 : Toucher un suppl\u00e9ment de rente \u00e0 vie<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4b81a39 elementor-widget elementor-widget-text-editor\" data-id=\"4b81a39\" 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 prenant votre retraite \u00e0 l&rsquo;\u00e2ge de r\u00e9f\u00e9rence (ou apr\u00e8s), vous recevez un <strong>suppl\u00e9ment mensuel vers\u00e9 \u00e0 vie<\/strong>. Ce montant est calcul\u00e9 selon deux crit\u00e8res : votre revenu annuel moyen et votre ann\u00e9e de naissance.<\/p><p><strong>1. Le suppl\u00e9ment de base (pour une dur\u00e9e de cotisation compl\u00e8te) :<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-be76288 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"be76288\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>CHF 160 \/ mois <\/strong>pour un revenu annuel moyen bas (\u2264 CHF 60'480)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>CHF 100 \/ mois <\/strong>pour un revenu annuel moyen interm\u00e9diaire (CHF 60'481 \u00e0 CHF 75'600)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>CHF 50 \/ mois <\/strong>pour un revenu annuel moyen \u00e9lev\u00e9 (\u2265 CHF 75'601)<\/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-da18855 elementor-widget elementor-widget-text-editor\" data-id=\"da18855\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>2. Le pourcentage attribu\u00e9 selon l&rsquo;ann\u00e9e de naissance :<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-261529c elementor-widget elementor-widget-html\" data-id=\"261529c\" 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\": \"Suppl\u00e9ment AVS selon l'ann\u00e9e de naissance \u2014 r\u00e9forme AVS 21\",\n  \"description\": \"Pourcentage du suppl\u00e9ment de base AVS attribu\u00e9 aux femmes de la g\u00e9n\u00e9ration transitoire selon l'ann\u00e9e de naissance dans le cadre de la r\u00e9forme AVS 21.\",\n  \"keywords\": [\"suppl\u00e9ment AVS r\u00e9forme AVS 21\", \"suppl\u00e9ment rente AVS femmes\", \"g\u00e9n\u00e9ration transitoire AVS suisse\", \"AVS 21 suppl\u00e9ment ann\u00e9e naissance\"]\n}\n<\/script>\n<div class=\"t\">\n  <table>\n    <caption style=\"display:none\">Suppl\u00e9ment AVS selon l'ann\u00e9e de naissance \u2014 pourcentage du suppl\u00e9ment de base per\u00e7u (r\u00e9forme AVS 21)<\/caption>\n    <thead>\n      <tr>\n        <th scope=\"col\">Ann\u00e9e de naissance<\/th>\n        <th scope=\"col\">\u00c2ge de r\u00e9f\u00e9rence<\/th>\n        <th scope=\"col\">% du suppl\u00e9ment de base per\u00e7u<\/th>\n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr>\n        <td>1961<\/td>\n        <td data-label=\"\u00c2ge de r\u00e9f\u00e9rence\">64 ans + 3 mois<\/td>\n        <td data-label=\"% du suppl\u00e9ment de base per\u00e7u\">25 %<\/td>\n      <\/tr>\n      <tr>\n        <td>1962<\/td>\n        <td data-label=\"\u00c2ge de r\u00e9f\u00e9rence\">64 ans + 6 mois<\/td>\n        <td data-label=\"% du suppl\u00e9ment de base per\u00e7u\">50 %<\/td>\n      <\/tr>\n      <tr>\n        <td>1963<\/td>\n        <td data-label=\"\u00c2ge de r\u00e9f\u00e9rence\">64 ans + 9 mois<\/td>\n        <td data-label=\"% du suppl\u00e9ment de base per\u00e7u\">75 %<\/td>\n      <\/tr>\n      <tr>\n        <td>1964<\/td>\n        <td data-label=\"\u00c2ge de r\u00e9f\u00e9rence\">65 ans<\/td>\n        <td data-label=\"% du suppl\u00e9ment de base per\u00e7u\"><span class=\"frais-low\">100 % (Plein suppl\u00e9ment)<\/span><\/td>\n      <\/tr>\n      <tr>\n        <td>1965<\/td>\n        <td data-label=\"\u00c2ge de r\u00e9f\u00e9rence\">65 ans<\/td>\n        <td data-label=\"% du suppl\u00e9ment de base per\u00e7u\"><span class=\"frais-low\">100 % (Plein suppl\u00e9ment)<\/span><\/td>\n      <\/tr>\n      <tr>\n        <td>1966<\/td>\n        <td data-label=\"\u00c2ge de r\u00e9f\u00e9rence\">65 ans<\/td>\n        <td data-label=\"% du suppl\u00e9ment de base per\u00e7u\">81 %<\/td>\n      <\/tr>\n      <tr>\n        <td>1967<\/td>\n        <td data-label=\"\u00c2ge de r\u00e9f\u00e9rence\">65 ans<\/td>\n        <td data-label=\"% du suppl\u00e9ment de base per\u00e7u\">63 %<\/td>\n      <\/tr>\n      <tr>\n        <td>1968<\/td>\n        <td data-label=\"\u00c2ge de r\u00e9f\u00e9rence\">65 ans<\/td>\n        <td data-label=\"% du suppl\u00e9ment de base per\u00e7u\">44 %<\/td>\n      <\/tr>\n      <tr>\n        <td>1969<\/td>\n        <td data-label=\"\u00c2ge de r\u00e9f\u00e9rence\">65 ans<\/td>\n        <td data-label=\"% du suppl\u00e9ment de base per\u00e7u\">25 %<\/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-05083a7 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"05083a7\" 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>Exemple :<\/strong> Une femme n\u00e9e en 1963 avec un revenu annuel moyen de CHF 50'190 (revenu bas = base de CHF 160) et une dur\u00e9e de cotisation compl\u00e8te touchera un suppl\u00e9ment de CHF 120 \/ mois \u00e0 vie (75% de CHF 160).<\/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-61f6848 elementor-widget elementor-widget-text-editor\" data-id=\"61f6848\" 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>\u00c0 noter (Avantages l\u00e9gaux) :<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b73be64 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"b73be64\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Le suppl\u00e9ment est vers\u00e9 <strong>en sus de la rente maximale<\/strong> et n'est pas soumis au plafonnement des rentes pour les couples mari\u00e9s.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Ce suppl\u00e9ment <strong>n'est pas pris en compte<\/strong> dans le calcul du droit aux prestations compl\u00e9mentaires (PC).<\/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-0a00688 elementor-widget elementor-widget-heading\" data-id=\"0a00688\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Option 2 : Anticiper sa retraite avec des r\u00e9ductions minimes<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6a36728 elementor-widget elementor-widget-text-editor\" data-id=\"6a36728\" 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 pr\u00e9f\u00e9rez percevoir votre rente AVS avant l&rsquo;\u00e2ge de r\u00e9f\u00e9rence (d\u00e8s 62 ans), la rente subit une r\u00e9duction. Toutefois, les taux de r\u00e9duction appliqu\u00e9s aux femmes de la g\u00e9n\u00e9ration transitoire sont <strong>tr\u00e8s avantageux<\/strong>.<\/p><p><strong><span class=\"citation-143 citation-end-143\">Taux de r\u00e9duction pour des ann\u00e9es enti\u00e8res d&rsquo;anticipation :<\/span><\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1326f3d elementor-widget elementor-widget-html\" data-id=\"1326f3d\" 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 r\u00e9duction AVS en cas de retraite anticip\u00e9e \u2014 g\u00e9n\u00e9ration transitoire AVS 21\",\n  \"description\": \"Taux de r\u00e9duction de la rente AVS en cas de retraite anticip\u00e9e pour les femmes de la g\u00e9n\u00e9ration transitoire selon l'\u00e2ge de d\u00e9part et le revenu moyen.\",\n  \"keywords\": [\"r\u00e9duction AVS retraite anticip\u00e9e femmes\", \"g\u00e9n\u00e9ration transitoire AVS 21 r\u00e9duction\", \"taux r\u00e9duction AVS anticip\u00e9e revenu\", \"retraite anticip\u00e9e AVS suisse 2026\"]\n}\n<\/script>\n<div class=\"t\">\n  <table>\n    <caption style=\"display:none\">Taux de r\u00e9duction AVS en cas de retraite anticip\u00e9e pour la g\u00e9n\u00e9ration transitoire \u2014 selon l'\u00e2ge de d\u00e9part et le revenu moyen<\/caption>\n    <thead>\n      <tr>\n        <th scope=\"col\">\u00c2ge de d\u00e9part anticip\u00e9<\/th>\n        <th scope=\"col\">Revenu moyen \u2264 CHF 60'480<\/th>\n        <th scope=\"col\">Revenu moyen CHF 60'481 \u2013 75'600<\/th>\n        <th scope=\"col\">Revenu moyen \u2265 CHF 75'601<\/th>\n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr>\n        <td>\u00c0 64 ans<\/td>\n        <td data-label=\"Revenu \u2264 CHF 60'480\"><span class=\"frais-low\">0 % (Aucune r\u00e9duction)<\/span><\/td>\n        <td data-label=\"Revenu CHF 60'481 \u2013 75'600\">2,5 %<\/td>\n        <td data-label=\"Revenu \u2265 CHF 75'601\">3,5 %<\/td>\n      <\/tr>\n      <tr>\n        <td>\u00c0 63 ans<\/td>\n        <td data-label=\"Revenu \u2264 CHF 60'480\">2,0 %<\/td>\n        <td data-label=\"Revenu CHF 60'481 \u2013 75'600\">4,5 %<\/td>\n        <td data-label=\"Revenu \u2265 CHF 75'601\">6,5 %<\/td>\n      <\/tr>\n      <tr>\n        <td>\u00c0 62 ans<\/td>\n        <td data-label=\"Revenu \u2264 CHF 60'480\">3,0 %<\/td>\n        <td data-label=\"Revenu CHF 60'481 \u2013 75'600\">6,5 %<\/td>\n        <td data-label=\"Revenu \u2265 CHF 75'601\">10,5 %<\/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-bb42246 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"bb42246\" 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>Note :<\/strong> les r\u00e9ductions s'adaptent au prorata si le d\u00e9part est anticip\u00e9 de quelques mois seulement<\/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-c295043 elementor-widget elementor-widget-text-editor\" data-id=\"c295043\" 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>Points de vigilance essentiels :<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-90ca075 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"90ca075\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Application au 1\u1d49\u02b3 janvier 2025 :<\/strong> Les femmes n\u00e9es en 1961 et 1962 qui ont anticip\u00e9 leur rente b\u00e9n\u00e9ficient de ces taux pr\u00e9f\u00e9rentiels \u00e0 vie depuis le 1\u1d49\u02b3 janvier 2025 (elles \u00e9taient soumises aux taux ordinaires jusqu'au 31 d\u00e9cembre 2024).<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Pas de rente pour enfant :<\/strong> Aucune rente pour enfant n'est octroy\u00e9e durant toute la p\u00e9riode d'anticipation de la rente.<\/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-bb181b2 elementor-widget elementor-widget-heading\" data-id=\"bb181b2\" 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\">Retraite anticip\u00e9e ou ajourn\u00e9e : Comment moduler son d\u00e9part AVS ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-88a5c63 elementor-widget elementor-widget-text-editor\" data-id=\"88a5c63\" 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>Depuis l&rsquo;entr\u00e9e en vigueur de la r\u00e9forme <strong>AVS 21<\/strong>, le syst\u00e8me de retraite suisse offre une flexibilit\u00e9 accrue. Il est possible de percevoir tout ou partie de sa rente AVS de mani\u00e8re anticip\u00e9e d\u00e8s 63 ans ou de la diff\u00e9rer jusqu&rsquo;\u00e0 <strong>70 ans<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-733e931 elementor-widget elementor-widget-image\" data-id=\"733e931\" 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=\"1500\" height=\"450\" src=\"https:\/\/invexa.swiss\/wp-content\/uploads\/2026\/08\/Age-de-retraite-AVS-anticipation-ajournement-reference-.png\" class=\"attachment-1536x1536 size-1536x1536 wp-image-929\" alt=\"\u00c2ge de retraite AVS - anticipation, ajournement, r\u00e9f\u00e9rence\" srcset=\"https:\/\/invexa.swiss\/wp-content\/uploads\/2026\/08\/Age-de-retraite-AVS-anticipation-ajournement-reference-.png 1500w, https:\/\/invexa.swiss\/wp-content\/uploads\/2026\/08\/Age-de-retraite-AVS-anticipation-ajournement-reference--300x90.png 300w, https:\/\/invexa.swiss\/wp-content\/uploads\/2026\/08\/Age-de-retraite-AVS-anticipation-ajournement-reference--1024x307.png 1024w, https:\/\/invexa.swiss\/wp-content\/uploads\/2026\/08\/Age-de-retraite-AVS-anticipation-ajournement-reference--768x230.png 768w\" sizes=\"(max-width: 1500px) 100vw, 1500px\" \/>\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-c4fd87c elementor-widget elementor-widget-heading\" data-id=\"c4fd87c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">La retraite anticip\u00e9e : Percevoir sa rente d\u00e8s 63 ans<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a1df8c7 elementor-widget elementor-widget-text-editor\" data-id=\"a1df8c7\" 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><a href=\"http:\/\/invexa.swiss\/retraite-anticipee-suisse\/\">Anticiper son d\u00e9part \u00e0 la retraite<\/a> permet de cesser son activit\u00e9 plus t\u00f4t, mais entra\u00eene une <strong>r\u00e9duction \u00e0 vie<\/strong> du montant de la rente AVS.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-855472b elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"855472b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>\u00c2ge minimum :<\/strong> Le versement anticip\u00e9 peut d\u00e9buter \u00e0 partir de <strong>63 ans<\/strong> (ou 62 ans pour les femmes de la g\u00e9n\u00e9ration transitoire).<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Souplesse au mois pr\u00e8s :<\/strong> Vous n'\u00eates plus oblig\u00e9 d'anticiper par ann\u00e9e enti\u00e8re. Vous pouvez fixer le d\u00e9but du versement au mois pr\u00e8s (par exemple : 63 ans et 4 mois).<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Taux de r\u00e9duction ordinaires :<\/strong> Pour les assur\u00e9s ne b\u00e9n\u00e9ficiant pas des taux pr\u00e9f\u00e9rentiels transitoires, la r\u00e9duction varie g\u00e9n\u00e9ralement entre 4,3 % (pour 1 an d'anticipation) et environ 13,6 % (pour 2 ans d'anticipation), selon la dur\u00e9e exacte et le montant du revenu.<\/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-df20b18 elementor-widget elementor-widget-text-editor\" data-id=\"df20b18\" 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>Taux de r\u00e9duction de la rente AVS en fonction de la dur\u00e9e d&rsquo;anticipation :<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ceafe48 elementor-widget elementor-widget-html\" data-id=\"ceafe48\" 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\": \"Anticipation de la rente AVS \u2014 dur\u00e9e, r\u00e9duction et impact sur la rente maximale\",\n  \"description\": \"Taux de r\u00e9duction de la rente AVS en fonction de la dur\u00e9e d'anticipation du versement, et impact chiffr\u00e9 sur une rente maximale de 2'520 CHF.\",\n  \"keywords\": [\"anticipation rente AVS\", \"r\u00e9duction rente AVS\", \"retraite anticip\u00e9e suisse\", \"rente maximale AVS\"]\n}\n<\/script>\n<div class=\"t\">\n  <table style=\"table-layout:fixed;\">\n    <colgroup>\n      <col style=\"width:33.33%;\">\n      <col style=\"width:33.33%;\">\n      <col style=\"width:33.33%;\">\n    <\/colgroup>\n    <caption style=\"display:none\">Anticipation de la rente AVS \u2014 dur\u00e9e, taux de r\u00e9duction et impact sur la rente maximale de 2'520 CHF<\/caption>\n    <thead>\n      <tr>\n        <th scope=\"col\">Dur\u00e9e de l'anticipation<\/th>\n        <th scope=\"col\">R\u00e9duction<\/th>\n        <th scope=\"col\">Impact sur la rente maximale (2'520)<\/th>\n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr>\n        <td>6 mois<\/td>\n        <td data-label=\"R\u00e9duction\">- 3.4 %<\/td>\n        <td data-label=\"Impact sur la rente maximale (2'520)\">2'434 (- 86)<\/td>\n      <\/tr>\n      <tr>\n        <td>1 an<\/td>\n        <td data-label=\"R\u00e9duction\">- 6.8 %<\/td>\n        <td data-label=\"Impact sur la rente maximale (2'520)\">2'349 (- 171)<\/td>\n      <\/tr>\n      <tr>\n        <td>1 an et 6 mois<\/td>\n        <td data-label=\"R\u00e9duction\">- 10.2 %<\/td>\n        <td data-label=\"Impact sur la rente maximale (2'520)\">2'263 (- 257)<\/td>\n      <\/tr>\n      <tr>\n        <td>2 ans<\/td>\n        <td data-label=\"R\u00e9duction\">- 13.6 %<\/td>\n        <td data-label=\"Impact sur la rente maximale (2'520)\">2'177 (- 343)<\/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-5f0dbe0 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"5f0dbe0\" 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>Attention : <\/strong>L'anticipation de la rente AVS suspend le droit aux rentes pour enfants pendant toute la dur\u00e9e du versement anticip\u00e9.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-292d94d elementor-widget elementor-widget-heading\" data-id=\"292d94d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">L'ajournement de la rente : Travailler jusqu'\u00e0 70 ans<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-422b197 elementor-widget elementor-widget-text-editor\" data-id=\"422b197\" 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 continuez \u00e0 travailler apr\u00e8s l&rsquo;\u00e2ge de r\u00e9f\u00e9rence (65 ans) ou si vous n&rsquo;avez pas un besoin imm\u00e9diat de vos liquidit\u00e9s, vous pouvez <strong>ajourner (diff\u00e9rer) le versement de votre rente AVS<\/strong> pendant 1 \u00e0 5 ans maximum (jusqu&rsquo;\u00e0 70 ans).<\/p><p>En contrepartie de l&rsquo;ajournement, votre rente AVS sera <strong>augment\u00e9e de mani\u00e8re d\u00e9finitive<\/strong> par un suppl\u00e9ment mensuel :<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f7364dd elementor-widget elementor-widget-html\" data-id=\"f7364dd\" 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\": \"Majoration de la rente AVS en cas d'ajournement en Suisse\",\n  \"description\": \"Taux de majoration de la rente AVS selon la dur\u00e9e d'ajournement, de 1 \u00e0 5 ans.\",\n  \"keywords\": [\"ajournement rente AVS majoration\", \"report retraite AVS suppl\u00e9ment\", \"majoration AVS 5 ans suisse\"]\n}\n<\/script>\n<div class=\"t\">\n  <table style=\"table-layout:fixed;\">\n    <colgroup>\n      <col style=\"width:50%;\">\n      <col style=\"width:50%;\">\n    <\/colgroup>\n    <caption style=\"display:none\">Majoration de la rente AVS en cas d'ajournement \u2014 de 1 \u00e0 5 ans<\/caption>\n    <thead>\n      <tr>\n        <th scope=\"col\">Dur\u00e9e de l'ajournement<\/th>\n        <th scope=\"col\">Majoration de la rente AVS<\/th>\n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr>\n        <td>1 an (12 mois)<\/td>\n        <td data-label=\"Majoration de la rente AVS\">+ 5,2 %<\/td>\n      <\/tr>\n      <tr>\n        <td>2 ans (24 mois)<\/td>\n        <td data-label=\"Majoration de la rente AVS\">+ 10,8 %<\/td>\n      <\/tr>\n      <tr>\n        <td>3 ans (36 mois)<\/td>\n        <td data-label=\"Majoration de la rente AVS\">+ 17,1 %<\/td>\n      <\/tr>\n      <tr>\n        <td>4 ans (48 mois)<\/td>\n        <td data-label=\"Majoration de la rente AVS\">+ 24,0 %<\/td>\n      <\/tr>\n      <tr>\n        <td>5 ans (60 mois)<\/td>\n        <td data-label=\"Majoration de la rente AVS\"><span class=\"frais-low\">+ 31,5 %<\/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-4b299a4 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"4b299a4\" 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>Proc\u00e9dure :<\/strong> L'ajournement doit \u00eatre notifi\u00e9 \u00e0 la caisse de compensation au plus tard un an apr\u00e8s avoir atteint l'\u00e2ge de r\u00e9f\u00e9rence.<\/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-13d8987 elementor-widget elementor-widget-heading\" data-id=\"13d8987\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">La retraite partielle : Le d\u00e9part progressif<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9049979 elementor-widget elementor-widget-text-editor\" data-id=\"9049979\" 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;une des plus grandes innovations d&rsquo;AVS 21 est la possibilit\u00e9 de cumuler une activit\u00e9 partielle avec une retraite partielle.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-af77e58 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"af77e58\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Vous pouvez demander \u00e0 percevoir <strong>entre 20 % et 80 %<\/strong> de votre rente AVS.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Fonctionnement :<\/strong> La part de rente anticip\u00e9e subit la r\u00e9duction ordinaire, tandis que la part restante continue de courir ou peut \u00eatre ajourn\u00e9e.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Avantage :<\/strong> Cela permet d'att\u00e9nuer la perte de revenu lors d'une transition douce vers la retraite (ex. passage \u00e0 un temps partiel \u00e0 50 % \u00e0 63 ans).<\/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-546432d elementor-widget elementor-widget-heading\" data-id=\"546432d\" 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\">\u00c0 quel \u00e2ge toucher son 2e pilier (LPP) ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-231f5ca elementor-widget elementor-widget-text-editor\" data-id=\"231f5ca\" 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 l\u2019AVS (1\u1d49\u02b3 pilier) garantit le minimum vital, la pr\u00e9voyance professionnelle (<a href=\"http:\/\/invexa.swiss\/2eme-pilier\/\">2\u00e8me pilier ou LPP<\/a>) vise \u00e0 maintenir votre niveau de vie habituel \u00e0 la retraite. Les r\u00e8gles d\u2019\u00e2ge y sont li\u00e9es \u00e0 l&rsquo;AVS, mais elles offrent une flexibilit\u00e9 bien plus importante, d\u00e9finie par le r\u00e8glement de votre propre caisse de pension.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-042137d elementor-widget elementor-widget-heading\" data-id=\"042137d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">L'\u00e2ge r\u00e9glementaire et la r\u00e9alit\u00e9 des caisses de pension<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1461eef elementor-widget elementor-widget-text-editor\" data-id=\"1461eef\" 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;\u00e2ge de la retraite ordinaire dans le 2\u00e8me pilier est fix\u00e9 \u00e0 <strong>65 ans<\/strong>.<\/p><p><strong>D\u00e9calage fr\u00e9quent pour les femmes de la g\u00e9n\u00e9ration transitoire :<\/strong><\/p><p>Avec la r\u00e9forme AVS 21, l&rsquo;\u00e2ge de r\u00e9f\u00e9rence AVS pour les femmes n\u00e9es entre 1961 et 1969 augmente par paliers de quelques mois (64 ans et 3 mois, 64 ans et 6 mois, etc.). <strong>Cependant, la majorit\u00e9 des caisses de pension ont conserv\u00e9 un \u00e2ge r\u00e9glementaire fixe \u00e0 65 ans.<\/strong><\/p><p><strong>Concr\u00e8tement :<\/strong> Une assur\u00e9e peut atteindre son \u00e2ge de r\u00e9f\u00e9rence AVS \u00e0 64 ans et 6 mois et commencer \u00e0 toucher sa rente AVS, mais devoir attendre ses 65 ans r\u00e9volus pour toucher sa rente LPP ordinaire.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dfa70ae elementor-widget elementor-widget-heading\" data-id=\"dfa70ae\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">La retraite anticip\u00e9e LPP : Possible d\u00e8s 58 ans<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ac49d80 elementor-widget elementor-widget-text-editor\" data-id=\"ac49d80\" 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>Contrairement \u00e0 l&rsquo;AVS o\u00f9 le versement anticip\u00e9 est limit\u00e9 \u00e0 2 ans (d\u00e8s 63 ans), la loi sur la pr\u00e9voyance professionnelle autorise un d\u00e9part anticip\u00e9 <strong>d\u00e8s l&rsquo;\u00e2ge de 58 ans<\/strong> (selon les dispositions pr\u00e9vues par votre caisse).<\/p><p><strong>Impact financier :<\/strong> Un d\u00e9part anticip\u00e9 r\u00e9duit le montant de votre future rente pour deux raisons :<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1024f6d elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"1024f6d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"500\" zoomAndPan=\"magnify\" viewBox=\"0 0 375 374.999991\" height=\"500\" preserveAspectRatio=\"xMidYMid meet\"><defs><g><\/g><clipPath id=\"f4cf4df6c6\"><rect x=\"0\" width=\"139\" y=\"0\" height=\"375\"><\/rect><\/clipPath><\/defs><g transform=\"matrix(1, 0, 0, 1, 118, 0)\"><g clip-path=\"url(#f4cf4df6c6)\"><g fill=\"#071659\" fill-opacity=\"1\"><g transform=\"translate(0.552694, 348.036103)\"><g><path d=\"M 31.734375 0 L 31.734375 -6.921875 C 42.117188 -23.847656 47.3125 -70.382812 47.3125 -146.53125 L 47.3125 -290.171875 C 43.070312 -287.484375 36.722656 -285.082031 28.265625 -282.96875 C 19.804688 -280.851562 13.460938 -279.796875 9.234375 -279.796875 L 9.234375 -290.171875 C 18.078125 -290.941406 28.171875 -292.863281 39.515625 -295.9375 C 50.859375 -299.019531 62.007812 -302.769531 72.96875 -307.1875 C 83.9375 -311.613281 93.070312 -316.132812 100.375 -320.75 L 107.296875 -320.75 L 107.296875 -146.53125 C 107.296875 -108.84375 108.640625 -78.171875 111.328125 -54.515625 C 114.023438 -30.859375 117.679688 -14.992188 122.296875 -6.921875 L 122.296875 0 Z M 31.734375 0 \"><\/path><\/g><\/g><\/g><\/g><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Le capital accumul\u00e9 est plus faible (moins d'ann\u00e9es de cotisations et d'int\u00e9r\u00eats).<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"500\" zoomAndPan=\"magnify\" viewBox=\"0 0 375 374.999991\" height=\"500\" preserveAspectRatio=\"xMidYMid meet\"><defs><g><\/g><clipPath id=\"4781e0adf0\"><rect x=\"0\" width=\"330\" y=\"0\" height=\"375\"><\/rect><\/clipPath><\/defs><g transform=\"matrix(1, 0, 0, 1, 23, 0)\"><g clip-path=\"url(#4781e0adf0)\"><g fill=\"#071659\" fill-opacity=\"1\"><g transform=\"translate(0.363061, 348.036103)\"><g><path d=\"M 4.609375 0 L 3.46875 -5.765625 L 53.65625 -31.15625 C 75.570312 -41.925781 97.488281 -53.65625 119.40625 -66.34375 C 141.332031 -79.03125 161.332031 -92.96875 179.40625 -108.15625 C 197.488281 -123.351562 212.007812 -139.601562 222.96875 -156.90625 C 233.925781 -174.21875 239.40625 -192.875 239.40625 -212.875 C 239.40625 -232.875 234.597656 -249.988281 224.984375 -264.21875 C 215.367188 -278.445312 202.390625 -289.3125 186.046875 -296.8125 C 169.703125 -304.3125 151.335938 -308.0625 130.953125 -308.0625 C 116.335938 -308.0625 102.109375 -305.175781 88.265625 -299.40625 C 74.421875 -293.632812 63.070312 -285.269531 54.21875 -274.3125 C 45.375 -263.351562 40.953125 -249.796875 40.953125 -233.640625 C 40.953125 -215.566406 47.296875 -201.429688 59.984375 -191.234375 C 72.679688 -181.046875 86.722656 -175.953125 102.109375 -175.953125 C 115.566406 -175.953125 126.046875 -179.601562 133.546875 -186.90625 C 141.046875 -194.21875 144.796875 -203.644531 144.796875 -215.1875 C 144.796875 -224.03125 141.910156 -232.203125 136.140625 -239.703125 C 130.378906 -247.203125 120.957031 -249.988281 107.875 -248.0625 L 107.296875 -252.09375 C 108.066406 -252.863281 110.46875 -253.828125 114.5 -254.984375 C 118.539062 -256.140625 123.253906 -256.71875 128.640625 -256.71875 C 140.179688 -256.71875 149.988281 -254.023438 158.0625 -248.640625 C 166.144531 -243.253906 172.300781 -236.519531 176.53125 -228.4375 C 180.757812 -220.363281 182.875 -212.097656 182.875 -203.640625 C 182.875 -186.722656 176.046875 -171.628906 162.390625 -158.359375 C 148.742188 -145.085938 129.992188 -138.453125 106.140625 -138.453125 C 90.378906 -138.453125 75.476562 -141.910156 61.4375 -148.828125 C 47.394531 -155.753906 36.144531 -165.367188 27.6875 -177.671875 C 19.226562 -189.984375 15 -204.21875 15 -220.375 C 15 -240.757812 20.957031 -258.738281 32.875 -274.3125 C 44.800781 -289.882812 60.957031 -302.09375 81.34375 -310.9375 C 101.726562 -319.789062 124.421875 -324.21875 149.421875 -324.21875 C 178.265625 -324.21875 203.644531 -319.789062 225.5625 -310.9375 C 247.488281 -302.09375 264.695312 -289.398438 277.1875 -272.859375 C 289.6875 -256.328125 295.9375 -236.523438 295.9375 -213.453125 C 295.9375 -195.367188 291.515625 -178.347656 282.671875 -162.390625 C 273.828125 -146.429688 261.804688 -131.816406 246.609375 -118.546875 C 231.421875 -105.273438 214.5 -93.351562 195.84375 -82.78125 C 177.195312 -72.207031 158.066406 -63.171875 138.453125 -55.671875 C 118.835938 -48.171875 99.992188 -42.304688 81.921875 -38.078125 L 81.921875 -34.03125 L 205.953125 -34.03125 C 230.566406 -34.03125 250.945312 -38.164062 267.09375 -46.4375 C 283.25 -54.707031 292.484375 -69.421875 294.796875 -90.578125 L 302.296875 -90.578125 L 294.796875 0 Z M 4.609375 0 \"><\/path><\/g><\/g><\/g><\/g><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Le taux de conversion appliqu\u00e9 au capital est r\u00e9vis\u00e9 \u00e0 la baisse, car la rente devra vous \u00eatre vers\u00e9e plus longtemps.<\/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-4cea02b elementor-widget elementor-widget-text-editor\" data-id=\"4cea02b\" 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>Rente pont AVS :<\/strong> Comme la rente AVS ne peut pas \u00eatre touch\u00e9e avant 63 ans (ou 62 ans pour la g\u00e9n\u00e9ration transitoire), de nombreuses caisses de pension proposent de financer une \u00ab rente pont \u00bb temporaire pour combler le manque \u00e0 gagner jusqu&rsquo;au versement du 1\u1d49\u02b3 pilier.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b21a87f elementor-cta--layout-image-left elementor-cta--skin-classic elementor-animated-content elementor-bg-transform elementor-bg-transform-zoom-in elementor-widget elementor-widget-call-to-action\" data-id=\"b21a87f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"call-to-action.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-cta\">\n\t\t\t\t\t\t\t<div class=\"elementor-cta__content\">\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-cta__title elementor-cta__content-item elementor-content-item\">\n\t\t\t\t\t\tEstimez vos revenus \u00e0 la retraite en 2 minutes\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-cta__description elementor-cta__content-item elementor-content-item\">\n\t\t\t\t\t\tCalculez facilement le montant de vos futures rentes (AVS, LPP, capital 3a), votre \u00e9conomie d'imp\u00f4t potentielle et le capital disponible \u00e0 votre d\u00e9part \u00e0 la retraite.\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-cta__button-wrapper elementor-cta__content-item elementor-content-item \">\n\t\t\t\t\t<a class=\"elementor-cta__button elementor-button elementor-size-\" href=\"https:\/\/invexa.swiss\/calculer-retraite-suisse\/\">\n\t\t\t\t\t\tSimuler ma retraite en Suisse\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6a25df5 elementor-widget elementor-widget-heading\" data-id=\"6a25df5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">L'ajournement du 2\u00e8me pilier : Travailler jusqu'\u00e0 70 ans<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dea2865 elementor-widget elementor-widget-text-editor\" data-id=\"dea2865\" 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 poursuivez une activit\u00e9 lucrative apr\u00e8s 65 ans, la plupart des caisses de pension permettent d&rsquo;ajourner la perception de votre 2\u00e8me pilier <strong>jusqu&rsquo;\u00e0 vos 70 ans maximum<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3ef81aa elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"3ef81aa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"500\" zoomAndPan=\"magnify\" viewBox=\"0 0 375 374.999991\" height=\"500\" preserveAspectRatio=\"xMidYMid meet\"><defs><clipPath id=\"e7a1bad639\"><path d=\"M 9.207031 9.207031 L 365.457031 9.207031 L 365.457031 365.457031 L 9.207031 365.457031 Z M 9.207031 9.207031 \" clip-rule=\"nonzero\"><\/path><\/clipPath><\/defs><g clip-path=\"url(#e7a1bad639)\"><path fill=\"#41bc6e\" d=\"M 165.246094 257.816406 C 161.804688 257.816406 158.507812 256.445312 156.089844 253.996094 L 90.425781 187.664062 L 108.730469 169.535156 L 165.097656 226.472656 L 266.136719 121.164062 L 284.734375 139.003906 L 174.539062 253.851562 C 172.132812 256.355469 168.816406 257.789062 165.34375 257.816406 L 165.242188 257.816406 Z M 365.808594 187.507812 C 365.808594 89.191406 285.824219 9.207031 187.507812 9.207031 C 136.644531 9.207031 88.074219 31.019531 54.25 69.042969 L 73.503906 86.164062 C 102.441406 53.636719 143.992188 34.976562 187.507812 34.976562 C 271.613281 34.976562 340.039062 103.402344 340.039062 187.507812 C 340.039062 271.613281 271.613281 340.046875 187.507812 340.046875 C 103.402344 340.046875 34.976562 271.617188 34.976562 187.507812 C 34.976562 168.476562 38.429688 149.917969 45.242188 132.355469 L 21.222656 123.03125 C 13.246094 143.585938 9.207031 165.273438 9.207031 187.507812 C 9.207031 285.824219 89.191406 365.8125 187.507812 365.8125 C 285.824219 365.8125 365.808594 285.824219 365.808594 187.507812 Z M 365.808594 187.507812 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/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>Avantage :<\/strong> Durant ces ann\u00e9es suppl\u00e9mentaires, vous continuez d'accumuler du capital et des int\u00e9r\u00eats, tout en b\u00e9n\u00e9ficiant d'un taux de conversion plus \u00e9lev\u00e9 lors de votre d\u00e9part d\u00e9finitif.<\/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-b4d59de elementor-widget elementor-widget-heading\" data-id=\"b4d59de\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Rente ou capital : Attention aux d\u00e9lais administratifs<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5caba70 elementor-widget elementor-widget-text-editor\" data-id=\"5caba70\" 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>Lors de votre d\u00e9part \u00e0 la retraite, vous devez d\u00e9cider si vous souhaitez percevoir la <a href=\"http:\/\/invexa.swiss\/rente-ou-capital-lpp-2eme-pilier\/\">rente, le capital LPP, ou un mix des deux<\/a>.<\/p><p>La loi impose aux caisses d&rsquo;autoriser le retrait sous forme de capital d&rsquo;au moins <strong>25 % de la part obligatoire<\/strong>, mais la plupart des r\u00e8glements permettent un retrait \u00e0 <strong>100 %<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0808e72 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"0808e72\" 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>Attention : <\/strong>Les caisses de pension exigent d'\u00eatre inform\u00e9es de votre choix de retrait en capital dans des d\u00e9lais tr\u00e8s stricts (souvent de 3 mois \u00e0 3 ans avant la date de d\u00e9part). Pensez \u00e0 demander votre r\u00e8glement de caisse suffisamment t\u00f4t.<\/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-7a37ca2 elementor-widget elementor-widget-heading\" data-id=\"7a37ca2\" 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\">3e pilier (3A) : Quand et comment retirer son capital de pr\u00e9voyance li\u00e9e ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d4cc981 elementor-widget elementor-widget-text-editor\" data-id=\"d4cc981\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Le <a href=\"http:\/\/invexa.swiss\/pilier-3a\/\">3\u1d49 pilier li\u00e9 (compte ou police 3A)<\/a> est une pr\u00e9voyance individuelle priv\u00e9e encourag\u00e9e par l&rsquo;\u00c9tat gr\u00e2ce \u00e0 d&rsquo;importants d\u00e9ductions fiscales. Contrairement aux rentes de l&rsquo;AVS ou de la LPP, l&rsquo;avoir accumul\u00e9 sur un 3\u1d49 pilier est (en principe) vers\u00e9 exclusivement sous forme de capital.<\/p><p>Les r\u00e8gles de retrait sont directement index\u00e9es sur l&rsquo;\u00e2ge de r\u00e9f\u00e9rence AVS, mais offrent une grande souplesse.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8bf5812 elementor-widget elementor-widget-heading\" data-id=\"8bf5812\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Retrait anticip\u00e9 : La r\u00e8gle des 5 ans avant l'\u00e2ge de r\u00e9f\u00e9rence<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3506a72 elementor-widget elementor-widget-text-editor\" data-id=\"3506a72\" 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 retirer la totalit\u00e9 du capital de votre 3\u1d49 pilier 3A <strong>au plus t\u00f4t 5 ans avant<\/strong> d&rsquo;atteindre l&rsquo;\u00e2ge de r\u00e9f\u00e9rence AVS, c&rsquo;est \u00e0 dire \u00e0 <strong>60 ans<\/strong>, aussi bien pour les hommes que pour les femmes.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-810333a elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"810333a\" 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>Exception (Retrait anticip\u00e9 extraordinaire) :<\/strong> Il est possible de d\u00e9bloquer son 3A avant ces tranches d'\u00e2ge uniquement dans des cas pr\u00e9cis pr\u00e9vus par la loi : acquisition de sa r\u00e9sidence principale, d\u00e9part d\u00e9finitif de la Suisse, passage \u00e0 une activit\u00e9 ind\u00e9pendante ou invalidit\u00e9.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4d425f5 elementor-widget elementor-widget-heading\" data-id=\"4d425f5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Ajournement du 3A : Diff\u00e9rer le retrait jusqu'\u00e0 70 ans<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ce63e56 elementor-widget elementor-widget-text-editor\" data-id=\"ce63e56\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-path-to-node=\"12\">Si vous atteignez l&rsquo;\u00e2ge de r\u00e9f\u00e9rence AVS mais que vous <b data-path-to-node=\"12\" data-index-in-node=\"55\">continuez \u00e0 exercer une activit\u00e9 lucrative<\/b> (justificatif de revenu \u00e0 l&rsquo;appui), vous n&rsquo;\u00eates pas oblig\u00e9 de liquider votre 3A.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aae63ba elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"aae63ba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Extension jusqu'\u00e0 5 ans :<\/strong> Vous pouvez diff\u00e9rer le retrait de votre 3\u1d49 pilier jusqu'\u00e0 <strong>70 ans maximum<\/strong>.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Avantage double :<\/strong> Durant cette p\u00e9riode, vous pouvez non seulement laisser fructifier votre capital \u00e0 l'abri de l'imp\u00f4t sur la fortune, mais vous conservez \u00e9galement le droit de <strong>continuer \u00e0 verser des cotisations annuelles 3A<\/strong> et de les d\u00e9duire de votre revenu imposable.<\/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-a37abbf elementor-widget elementor-widget-heading\" data-id=\"a37abbf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Astuce fiscale : L'\u00e9chelonnement des retraits 3A<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b1a72ec elementor-widget elementor-widget-text-editor\" data-id=\"b1a72ec\" 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>Lorsque vous retirez l&rsquo;argent de votre 3\u00e8me pilier, ce capital est soumis \u00e0 un <strong>imp\u00f4t s\u00e9par\u00e9 sur les prestations en capital<\/strong> (\u00e0 un taux r\u00e9duit par rapport \u00e0 l&rsquo;imp\u00f4t sur le revenu). En Suisse, cet imp\u00f4t est <strong>progressif<\/strong> : plus le montant retir\u00e9 sur une m\u00eame ann\u00e9e fiscale est \u00e9lev\u00e9, plus le pourcentage d&rsquo;imposition augmente.<\/p><p><strong>La strat\u00e9gie des comptes multiples :<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2883efa elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"2883efa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Ouvrir plusieurs comptes 3A<\/strong> au cours de votre vie active (id\u00e9alement 3 \u00e0 5 comptes).<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>\u00c9chelonner les retraits sur plusieurs ann\u00e9es cons\u00e9cutives<\/strong> (par exemple un compte liquid\u00e9 \u00e0 61 ans, un autre \u00e0 63 ans et le dernier \u00e0 65 ans).<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Cas des couples mari\u00e9s ou en partenariat enregistr\u00e9 :<\/strong> Attention, les retraits effectu\u00e9s par les deux conjoints au cours de la m\u00eame ann\u00e9e civile sont additionn\u00e9s par l'administration fiscale. Il convient donc de coordonner l'\u00e9chelonnement des deux partenaires.<\/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-7af6512 elementor-cta--layout-image-left elementor-cta--skin-classic elementor-animated-content elementor-bg-transform elementor-bg-transform-zoom-in elementor-widget elementor-widget-call-to-action\" data-id=\"7af6512\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"call-to-action.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-cta\">\n\t\t\t\t\t\t\t<div class=\"elementor-cta__content\">\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-cta__title elementor-cta__content-item elementor-content-item\">\n\t\t\t\t\t\tPlanifiez votre retraite avec Invexa\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-cta__description elementor-cta__content-item elementor-content-item\">\n\t\t\t\t\t\tInvexa, cabinet ind\u00e9pendant de planification retraite \u00e0 Gen\u00e8ve, vous accompagne dans l'optimisation votre retraite. Nos conseillers analysent votre situation personnelle pour vous proposer un plan d'action sur-mesure.\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-cta__button-wrapper elementor-cta__content-item elementor-content-item \">\n\t\t\t\t\t<a class=\"elementor-cta__button elementor-button elementor-size-\" href=\"http:\/\/invexa.swiss\/planifier-un-rendez-vous\/\">\n\t\t\t\t\t\tPlanifier une entretien d\u00e9couverte\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2e24f2f elementor-widget elementor-widget-heading\" data-id=\"2e24f2f\" 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 sur l'\u00e2ge de la retraite en Suisse<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-95d1c50 elementor-widget elementor-widget-n-accordion\" data-id=\"95d1c50\" 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-1570\" 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-1570\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Peut-on travailler apr\u00e8s 65 ans sans cotiser \u00e0 l'AVS ? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-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-1570\" class=\"elementor-element elementor-element-76f88e6 e-con-full e-flex e-con e-child\" data-id=\"76f88e6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-28dfb1f elementor-widget elementor-widget-text-editor\" data-id=\"28dfb1f\" 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>Non. En Suisse, toute personne qui continue d&rsquo;exercer une activit\u00e9 lucrative apr\u00e8s l&rsquo;\u00e2ge de r\u00e9f\u00e9rence reste soumise \u00e0 l&rsquo;obligation de cotiser \u00e0 l&rsquo;AVS.<\/p><p>Toutefois, vous b\u00e9n\u00e9ficiez d&rsquo;une <strong>franchise de cotisation<\/strong> de <strong>1 400 CHF par mois<\/strong> (soit 16 800 CHF par an et par employeur) sur laquelle aucune cotisation AVS n&rsquo;est pr\u00e9lev\u00e9e. Seule la tranche de salaire d\u00e9passant cette franchise est soumise aux cotisations. Depuis la r\u00e9forme AVS 21, ces cotisations suppl\u00e9mentaires peuvent servir \u00e0 combler d&rsquo;\u00e9ventuelles lacunes ou \u00e0 am\u00e9liorer le montant de votre rente AVS.<\/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-1571\" 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-1571\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Quel est l'\u00e2ge minimum pour liquider l'ensemble de ses 3 piliers ? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-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-1571\" class=\"elementor-element elementor-element-79eb143 e-con-full e-flex e-con e-child\" data-id=\"79eb143\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d7b5fc3 elementor-widget elementor-widget-text-editor\" data-id=\"d7b5fc3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tIl n&rsquo;existe pas un \u00e2ge unique pour liquider l&rsquo;ensemble de votre pr\u00e9voyance, car chaque pilier poss\u00e8de ses propres r\u00e8gles d&rsquo;anticipation :\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bf799c9 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"bf799c9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"500\" zoomAndPan=\"magnify\" viewBox=\"0 0 375 374.999991\" height=\"500\" preserveAspectRatio=\"xMidYMid meet\"><defs><g><\/g><clipPath id=\"f4cf4df6c6\"><rect x=\"0\" width=\"139\" y=\"0\" height=\"375\"><\/rect><\/clipPath><\/defs><g transform=\"matrix(1, 0, 0, 1, 118, 0)\"><g clip-path=\"url(#f4cf4df6c6)\"><g fill=\"#071659\" fill-opacity=\"1\"><g transform=\"translate(0.552694, 348.036103)\"><g><path d=\"M 31.734375 0 L 31.734375 -6.921875 C 42.117188 -23.847656 47.3125 -70.382812 47.3125 -146.53125 L 47.3125 -290.171875 C 43.070312 -287.484375 36.722656 -285.082031 28.265625 -282.96875 C 19.804688 -280.851562 13.460938 -279.796875 9.234375 -279.796875 L 9.234375 -290.171875 C 18.078125 -290.941406 28.171875 -292.863281 39.515625 -295.9375 C 50.859375 -299.019531 62.007812 -302.769531 72.96875 -307.1875 C 83.9375 -311.613281 93.070312 -316.132812 100.375 -320.75 L 107.296875 -320.75 L 107.296875 -146.53125 C 107.296875 -108.84375 108.640625 -78.171875 111.328125 -54.515625 C 114.023438 -30.859375 117.679688 -14.992188 122.296875 -6.921875 L 122.296875 0 Z M 31.734375 0 \"><\/path><\/g><\/g><\/g><\/g><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">La rente AVS (1\u1d49\u02b3 pilier) est la plus stricte et ne peut \u00eatre per\u00e7ue qu'\u00e0 partir de 63 ans (ou 62 ans pour les femmes de la g\u00e9n\u00e9ration transitoire).<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"500\" zoomAndPan=\"magnify\" viewBox=\"0 0 375 374.999991\" height=\"500\" preserveAspectRatio=\"xMidYMid meet\"><defs><g><\/g><clipPath id=\"4781e0adf0\"><rect x=\"0\" width=\"330\" y=\"0\" height=\"375\"><\/rect><\/clipPath><\/defs><g transform=\"matrix(1, 0, 0, 1, 23, 0)\"><g clip-path=\"url(#4781e0adf0)\"><g fill=\"#071659\" fill-opacity=\"1\"><g transform=\"translate(0.363061, 348.036103)\"><g><path d=\"M 4.609375 0 L 3.46875 -5.765625 L 53.65625 -31.15625 C 75.570312 -41.925781 97.488281 -53.65625 119.40625 -66.34375 C 141.332031 -79.03125 161.332031 -92.96875 179.40625 -108.15625 C 197.488281 -123.351562 212.007812 -139.601562 222.96875 -156.90625 C 233.925781 -174.21875 239.40625 -192.875 239.40625 -212.875 C 239.40625 -232.875 234.597656 -249.988281 224.984375 -264.21875 C 215.367188 -278.445312 202.390625 -289.3125 186.046875 -296.8125 C 169.703125 -304.3125 151.335938 -308.0625 130.953125 -308.0625 C 116.335938 -308.0625 102.109375 -305.175781 88.265625 -299.40625 C 74.421875 -293.632812 63.070312 -285.269531 54.21875 -274.3125 C 45.375 -263.351562 40.953125 -249.796875 40.953125 -233.640625 C 40.953125 -215.566406 47.296875 -201.429688 59.984375 -191.234375 C 72.679688 -181.046875 86.722656 -175.953125 102.109375 -175.953125 C 115.566406 -175.953125 126.046875 -179.601562 133.546875 -186.90625 C 141.046875 -194.21875 144.796875 -203.644531 144.796875 -215.1875 C 144.796875 -224.03125 141.910156 -232.203125 136.140625 -239.703125 C 130.378906 -247.203125 120.957031 -249.988281 107.875 -248.0625 L 107.296875 -252.09375 C 108.066406 -252.863281 110.46875 -253.828125 114.5 -254.984375 C 118.539062 -256.140625 123.253906 -256.71875 128.640625 -256.71875 C 140.179688 -256.71875 149.988281 -254.023438 158.0625 -248.640625 C 166.144531 -243.253906 172.300781 -236.519531 176.53125 -228.4375 C 180.757812 -220.363281 182.875 -212.097656 182.875 -203.640625 C 182.875 -186.722656 176.046875 -171.628906 162.390625 -158.359375 C 148.742188 -145.085938 129.992188 -138.453125 106.140625 -138.453125 C 90.378906 -138.453125 75.476562 -141.910156 61.4375 -148.828125 C 47.394531 -155.753906 36.144531 -165.367188 27.6875 -177.671875 C 19.226562 -189.984375 15 -204.21875 15 -220.375 C 15 -240.757812 20.957031 -258.738281 32.875 -274.3125 C 44.800781 -289.882812 60.957031 -302.09375 81.34375 -310.9375 C 101.726562 -319.789062 124.421875 -324.21875 149.421875 -324.21875 C 178.265625 -324.21875 203.644531 -319.789062 225.5625 -310.9375 C 247.488281 -302.09375 264.695312 -289.398438 277.1875 -272.859375 C 289.6875 -256.328125 295.9375 -236.523438 295.9375 -213.453125 C 295.9375 -195.367188 291.515625 -178.347656 282.671875 -162.390625 C 273.828125 -146.429688 261.804688 -131.816406 246.609375 -118.546875 C 231.421875 -105.273438 214.5 -93.351562 195.84375 -82.78125 C 177.195312 -72.207031 158.066406 -63.171875 138.453125 -55.671875 C 118.835938 -48.171875 99.992188 -42.304688 81.921875 -38.078125 L 81.921875 -34.03125 L 205.953125 -34.03125 C 230.566406 -34.03125 250.945312 -38.164062 267.09375 -46.4375 C 283.25 -54.707031 292.484375 -69.421875 294.796875 -90.578125 L 302.296875 -90.578125 L 294.796875 0 Z M 4.609375 0 \"><\/path><\/g><\/g><\/g><\/g><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Le 2\u1d49 pilier (LPP) peut ensuite \u00eatre per\u00e7u d\u00e8s 58 ans si le r\u00e8glement de votre caisse le permet.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"500\" zoomAndPan=\"magnify\" viewBox=\"0 0 375 374.999991\" height=\"500\" preserveAspectRatio=\"xMidYMid meet\"><defs><g><\/g><clipPath id=\"6ab3ba5a4b\"><rect x=\"0\" width=\"339\" y=\"0\" height=\"375\"><\/rect><\/clipPath><\/defs><g transform=\"matrix(1, 0, 0, 1, 23, 0)\"><g clip-path=\"url(#6ab3ba5a4b)\"><g fill=\"#071659\" fill-opacity=\"1\"><g transform=\"translate(0.160917, 288.78215)\"><g><path d=\"M 164.328125 81.90625 C 135.003906 81.90625 108.960938 77.1875 86.203125 67.75 C 63.453125 58.3125 45.585938 44.910156 32.609375 27.546875 C 19.628906 10.191406 13.140625 -10.28125 13.140625 -33.875 C 13.140625 -52.082031 17.601562 -67.585938 26.53125 -80.390625 C 35.46875 -93.203125 47.015625 -102.976562 61.171875 -109.71875 C 75.335938 -116.457031 90.171875 -119.828125 105.671875 -119.828125 C 132.304688 -119.828125 153.375 -113.085938 168.875 -99.609375 C 184.382812 -86.128906 192.140625 -69.441406 192.140625 -49.546875 C 192.140625 -35.054688 187.082031 -22.835938 176.96875 -12.890625 C 166.851562 -2.953125 154.882812 2.015625 141.0625 2.015625 C 135.675781 2.015625 130.535156 1.257812 125.640625 -0.25 C 120.753906 -1.769531 116.960938 -3.707031 114.265625 -6.0625 L 114.78125 -9.609375 C 125.226562 -5.566406 134.832031 -6.15625 143.59375 -11.375 C 152.363281 -16.601562 156.75 -24.78125 156.75 -35.90625 C 156.75 -47.695312 151.859375 -57.804688 142.078125 -66.234375 C 132.304688 -74.660156 118.65625 -78.875 101.125 -78.875 C 83.59375 -78.875 68.675781 -73.476562 56.375 -62.6875 C 44.070312 -51.90625 37.921875 -37.078125 37.921875 -18.203125 C 37.921875 6.742188 47.441406 26.460938 66.484375 40.953125 C 85.535156 55.453125 111.070312 62.703125 143.09375 62.703125 C 165.675781 62.703125 186.65625 57.976562 206.03125 48.53125 C 225.414062 39.09375 241.007812 26.285156 252.8125 10.109375 C 264.613281 -6.066406 270.515625 -24.4375 270.515625 -45 C 270.515625 -75 260.316406 -99.097656 239.921875 -117.296875 C 219.523438 -135.503906 191.460938 -145.28125 155.734375 -146.625 C 148.992188 -143.257812 141.914062 -141.578125 134.5 -141.578125 C 130.445312 -141.578125 126.820312 -142.503906 123.625 -144.359375 C 120.425781 -146.210938 118.828125 -149.160156 118.828125 -153.203125 C 118.828125 -156.910156 120.425781 -159.773438 123.625 -161.796875 C 126.820312 -163.816406 130.445312 -164.828125 134.5 -164.828125 C 139.21875 -164.828125 144.269531 -164.148438 149.65625 -162.796875 C 155.050781 -161.453125 160.28125 -159.265625 165.34375 -156.234375 C 183.207031 -158.929688 198.207031 -165.757812 210.34375 -176.71875 C 222.476562 -187.675781 228.546875 -200.738281 228.546875 -215.90625 C 228.546875 -233.09375 222.222656 -246.65625 209.578125 -256.59375 C 196.941406 -266.539062 179.160156 -271.515625 156.234375 -271.515625 C 142.410156 -271.515625 129.769531 -268.394531 118.3125 -262.15625 C 106.851562 -255.925781 97.835938 -247.332031 91.265625 -236.375 C 84.691406 -225.425781 81.40625 -212.867188 81.40625 -198.703125 L 73.828125 -198.703125 L 74.328125 -260.390625 C 85.109375 -267.472656 98.421875 -273.203125 114.265625 -277.578125 C 130.109375 -281.960938 146.628906 -284.15625 163.828125 -284.15625 C 186.410156 -284.15625 206.128906 -281.117188 222.984375 -275.046875 C 239.835938 -268.984375 252.984375 -260.8125 262.421875 -250.53125 C 271.859375 -240.25 276.578125 -228.707031 276.578125 -215.90625 C 276.578125 -199.382812 270.085938 -185.644531 257.109375 -174.6875 C 244.128906 -163.738281 225.675781 -156.914062 201.75 -154.21875 L 201.75 -149.671875 C 240.175781 -148.316406 270.257812 -137.359375 292 -116.796875 C 313.738281 -96.234375 324.609375 -69.941406 324.609375 -37.921875 C 324.609375 -21.742188 320.394531 -6.410156 311.96875 8.078125 C 303.539062 22.578125 291.992188 35.390625 277.328125 46.515625 C 262.671875 57.640625 245.648438 66.316406 226.265625 72.546875 C 206.878906 78.785156 186.234375 81.90625 164.328125 81.90625 Z M 164.328125 81.90625 \"><\/path><\/g><\/g><\/g><\/g><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Le 3\u1d49 pilier (3A) peut \u00eatre d\u00e9bloqu\u00e9 en premier, d\u00e8s 60 ans (ou 59 ans selon le palier AVS des femmes).<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1572\" 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-1572\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Que se passe-t-il si je demande ma rente AVS \u00e0 64 ans ? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-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-1572\" class=\"elementor-element elementor-element-28c244d e-con-full e-flex e-con e-child\" data-id=\"28c244d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-95374c4 elementor-widget elementor-widget-text-editor\" data-id=\"95374c4\" 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 demandez votre rente AVS un an avant l&rsquo;\u00e2ge de r\u00e9f\u00e9rence ordinaire (65 ans) :\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-203deb7 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"203deb7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Pour les hommes et les femmes du r\u00e9gime g\u00e9n\u00e9ral (n\u00e9es en 1964 et apr\u00e8s) : Votre rente AVS subira une r\u00e9duction d\u00e9finitive (\u00e0 vie) de 6,8 %.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Pour les femmes de la g\u00e9n\u00e9ration transitoire (n\u00e9es entre 1961 et 1969) : La r\u00e9duction sera nettement plus faible (entre 0 % et 3,5 % selon votre revenu annuel moyen) gr\u00e2ce aux taux pr\u00e9f\u00e9rentiels accord\u00e9s par la r\u00e9forme AVS 21.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1573\" 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-1573\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Doit-on obligatoirement liquider son 2\u1d49 pilier et percevoir son AVS la m\u00eame ann\u00e9e ? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-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-1573\" class=\"elementor-element elementor-element-b11ffc9 e-con-full e-flex e-con e-child\" data-id=\"b11ffc9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-62eb7f7 elementor-widget elementor-widget-text-editor\" data-id=\"62eb7f7\" 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>Non, absolument pas.<\/strong> Le syst\u00e8me suisse permet de dissocier les dates de d\u00e9part entre les piliers. Vous pouvez parfaitement anticiper votre 2\u1d49 pilier \u00e0 63 ans pour cesser de travailler, tout en ajournant votre rente AVS \u00e0 66 ou 67 ans pour \u00e9viter de subir la r\u00e9duction sur le 1\u1d49\u02b3 pilier. Cette flexibilit\u00e9 permet de b\u00e2tir une strat\u00e9gie de revenus sur mesure.<\/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\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>En Suisse, l&rsquo;\u00e2ge de r\u00e9f\u00e9rence de la retraite (AVS) est fix\u00e9 \u00e0 65 ans, avec un rel\u00e8vement progressif pour les femmes suite \u00e0 la r\u00e9forme AVS 21. D\u00e9couvrez les r\u00e8gles en vigueur, le calendrier de transition ainsi que les \u00e2ges de retrait pour votre 2\u1d49 (LPP) et 3\u1d49 pilier.<\/p>","protected":false},"author":1,"featured_media":948,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[21],"tags":[12,10,13,14,22],"class_list":["post-386","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-retraite","tag-2eme-pilier","tag-3a","tag-3eme-pilier","tag-avs","tag-lpp"],"_links":{"self":[{"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/posts\/386","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=386"}],"version-history":[{"count":21,"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/posts\/386\/revisions"}],"predecessor-version":[{"id":2183,"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/posts\/386\/revisions\/2183"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/media\/948"}],"wp:attachment":[{"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/media?parent=386"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/categories?post=386"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/tags?post=386"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}