{"id":388,"date":"2026-08-03T08:01:43","date_gmt":"2026-08-03T08:01:43","guid":{"rendered":"https:\/\/invexa.swiss\/?p=388"},"modified":"2026-09-15T10:00:27","modified_gmt":"2026-09-15T10:00:27","slug":"2nd-pillar-pension-or-lump-sum","status":"publish","type":"post","link":"https:\/\/invexa.swiss\/en\/rente-ou-capital-lpp-2eme-pilier\/","title":{"rendered":"2nd Pillar: Pension or Lump Sum? Comparative Guide (2026)"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"388\" class=\"elementor elementor-388\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6255aeb e-flex e-con-boxed e-con e-parent\" data-id=\"6255aeb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-c7cf201 e-con-full e-flex e-con e-child\" data-id=\"c7cf201\" 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-c51129a elementor-widget elementor-widget-heading\" data-id=\"c51129a\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"synthese\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Synth\u00e8se en un coup d'\u0153il : Rente vs Capital<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fe87bcc elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"fe87bcc\" 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 choix entre rente et capital LPP est <strong>irr\u00e9vocable<\/strong> une fois le versement effectu\u00e9<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" 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\">La loi garantit le droit de retirer au moins <strong>25 %<\/strong> de la part obligatoire en capital ; la plupart des caisses sur-obligatoires permettent un retrait \u00e0 100 %<\/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\">Taux de conversion actuel : <strong>6.8 %<\/strong> sur la part obligatoire<\/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\">Le capital restant est transmissible aux h\u00e9ritiers ; la rente ne l'est pas, sauf conjoint ou enfants \u00e0 charge<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Une <strong>solution mixte<\/strong> (rente + capital) est possible et souvent recommand\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\">Chaque caisse fixe un <strong>d\u00e9lai d'annonce obligatoire<\/strong> pour demander un capital \u2014 au-del\u00e0, le versement se fait automatiquement en 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>\n\t\t\t\t<div class=\"elementor-element elementor-element-0ec8ec2 elementor-widget elementor-widget-html\" data-id=\"0ec8ec2\" 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{\n\n  \"@context\": \"https:\/\/schema.org\",\n\n  \"@type\": \"WebApplication\",\n\n  \"name\": \"Simulateur : rente ou capital LPP\",\n\n  \"description\": \"Comparez la rente LPP viag\u00e8re et la rente que pourrait g\u00e9n\u00e9rer votre capital LPP investi, apr\u00e8s imp\u00f4t cantonal sur les prestations en capital. 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class=\"rte-head\">\n        <h2>Simulateur : rente ou capital LPP<\/h2>\n        <p>Rente LPP viag\u00e8re ou rente g\u00e9n\u00e9r\u00e9e par le capital investi&nbsp;? Comparez les deux revenus annuels, imp\u00f4t cantonal compris.<\/p>\n      <\/div>\n\n      <div class=\"rte-field\">\n        <div class=\"rte-label\">Capital LPP<\/div>\n        <input id=\"lpp-capital\" class=\"rte-input\" type=\"number\" value=\"500000\" min=\"10000\" max=\"10000000\" step=\"1000\">\n      <\/div>\n\n      <div class=\"rte-field\">\n        <div class=\"rte-label\">Canton de domicile<\/div>\n        <select id=\"lpp-canton\" class=\"rte-select\"><\/select>\n        <div class=\"rte-hint\">Utilis\u00e9 pour l'imp\u00f4t sur les prestations en capital (chef-lieu du canton).<\/div>\n      <\/div>\n\n      <div class=\"rte-field\">\n        <div class=\"rte-label-row\"><span class=\"rte-label\">Taux de conversion LPP<\/span><span id=\"lpp-taux-value\">6,00&nbsp;%<\/span><\/div>\n        <input id=\"lpp-taux\" type=\"range\" min=\"4\" max=\"6.8\" step=\"0.05\" value=\"6\">\n      <\/div>\n\n      <div class=\"rte-field\">\n        <div class=\"rte-label-row\"><span class=\"rte-label\">Rendement du capital<\/span><span id=\"lpp-rend-value\">3,00&nbsp;%<\/span><\/div>\n        <input id=\"lpp-rend\" type=\"range\" min=\"0\" max=\"10\" step=\"0.1\" value=\"3\">\n      <\/div>\n\n      <div class=\"rte-field\">\n        <div class=\"rte-label-row\"><span class=\"rte-label\">\u00c2ge \u00e0 la retraite<\/span><span id=\"lpp-age-value\">65 ans<\/span><\/div>\n        <input id=\"lpp-age\" type=\"range\" min=\"58\" max=\"70\" value=\"65\">\n      <\/div>\n\n      <div class=\"rte-field\">\n        <div class=\"rte-label-row\"><span class=\"rte-label\">Esp\u00e9rance de vie<\/span><span id=\"lpp-esp-value\">88 ans<\/span><\/div>\n        <input id=\"lpp-esp\" type=\"range\" min=\"75\" max=\"100\" value=\"88\">\n        <div class=\"rte-hint\">Dur\u00e9e sur laquelle le capital investi est consomm\u00e9.<\/div>\n      <\/div>\n    <\/div>\n\n    <div>\n      <div class=\"rte-hero\">\n        <span class=\"rte-eyebrow\">Revenu annuel \u00e0 la retraite<\/span>\n\n        <div class=\"rte-duo\">\n          <div class=\"rte-duo-col\">\n            <div class=\"rte-duo-tag\"><span class=\"dot\"><\/span>Rente LPP<\/div>\n            <div class=\"rte-duo-sublabel\">Vers\u00e9e \u00e0 vie par la caisse<\/div>\n            <div class=\"rte-duo-val\" id=\"lpp-rente-y\">CHF \u2014<\/div>\n            <div class=\"rte-duo-peryear\">par ann\u00e9e<\/div>\n            <div class=\"rte-duo-rule\"><\/div>\n            <div class=\"rte-duo-month\">\u2248 <b id=\"lpp-rente-m\">\u2014<\/b> \/ mois<\/div>\n          <\/div>\n          <div class=\"rte-duo-col alt\">\n            <div class=\"rte-duo-tag\"><span class=\"dot\"><\/span>Rente du capital<\/div>\n            <div class=\"rte-duo-sublabel\" id=\"lpp-cap-sub\">Capital net investi, consomm\u00e9 sur \u2014 ans<\/div>\n            <div class=\"rte-duo-val\" id=\"lpp-cap-y\">CHF \u2014<\/div>\n            <div class=\"rte-duo-peryear\">par ann\u00e9e<\/div>\n            <div class=\"rte-duo-rule\"><\/div>\n            <div class=\"rte-duo-month\">\u2248 <b id=\"lpp-cap-m\">\u2014<\/b> \/ mois<\/div>\n          <\/div>\n        <\/div>\n\n        <div class=\"rte-diff\" id=\"lpp-diff\">\u2014<\/div>\n\n        <div class=\"rte-datarow\" id=\"lpp-datarow\"><\/div>\n      <\/div>\n\n      <div class=\"rte-chartblock\">\n        <div class=\"rte-chart-title\">Cumul des revenus per\u00e7us<\/div>\n        <div class=\"rte-chart-sub\" id=\"lpp-chart-sub\">La rente LPP se prolonge \u00e0 vie&nbsp;; la rente du capital s'arr\u00eate quand le capital est \u00e9puis\u00e9.<\/div>\n        <div class=\"rte-legend\">\n          <div class=\"rte-legend-item\"><span class=\"rte-legend-swatch\" style=\"background:#5b70d1\"><\/span>Rente LPP cumul\u00e9e<\/div>\n          <div class=\"rte-legend-item\"><span class=\"rte-legend-swatch\" style=\"background:#c15b3a\"><\/span>Rente du capital cumul\u00e9e<\/div>\n        <\/div>\n        <div class=\"rte-cw\"><canvas id=\"lpp-canvas\"><\/canvas><\/div>\n      <\/div>\n\n      <div class=\"rte-info\">\n        Simulation indicative. L'imp\u00f4t sur les prestations en capital est estim\u00e9 \u00e0 partir des taux moyens du chef-lieu de chaque canton (imp\u00f4t f\u00e9d\u00e9ral, cantonal et communal cumul\u00e9s). Le taux de conversion r\u00e9el d\u00e9pend de votre caisse de pension. La rente LPP est impos\u00e9e comme un revenu chaque ann\u00e9e (non d\u00e9duite ici pour comparer \u00e0 structure identique). Les rendements futurs ne sont pas garantis.\n      <\/div>\n    <\/div>\n\n  <\/div>\n<\/div>\n\n<script>\n(function(){\n\/\/ Imp\u00f4t sur prestations en capital : taux moyens par canton (chef-lieu)\n\/\/ Colonnes : 50k, 100k, 250k, 500k, 1M, 2M, 5M, 10M, 20M\nconst TAX_AMOUNTS=[50000,100000,250000,500000,1000000,2000000,5000000,10000000,20000000];\nconst TAX={\n  'AG':[3.12,4.85,7.09,8.22,8.77,8.95,9.06,9.10,9.11],\n  'AI':[2.38,3.31,4.60,5.14,5.34,5.34,5.34,5.34,5.34],\n  'AR':[7.56,7.94,8.96,9.91,11.14,11.65,11.96,12.06,12.11],\n  'BE':[3.50,4.63,6.53,8.26,9.62,10.42,10.96,11.15,11.24],\n  'BL':[3.46,3.84,4.86,6.72,9.56,9.72,9.72,9.72,9.72],\n  'BS':[3.66,5.29,8.26,9.45,9.97,10.14,10.23,10.27,10.28],\n  'FR':[1.96,3.24,6.96,9.30,10.40,10.85,11.12,11.21,11.26],\n  'GE':[2.53,4.13,6.22,7.41,8.11,8.38,8.54,8.59,8.62],\n  'GL':[4.79,5.17,6.19,6.73,6.93,6.93,6.93,6.93,6.93],\n  'GR':[2.91,3.28,4.31,5.76,5.96,5.96,5.96,5.96,5.96],\n  'JU':[5.39,6.17,8.56,9.64,10.11,10.24,10.32,10.35,10.36],\n  'LU':[2.27,3.76,5.45,6.22,6.53,6.58,6.62,6.63,6.63],\n  'NE':[4.89,5.68,7.83,8.46,8.75,8.80,8.83,8.84,8.84],\n  'NW':[2.67,3.64,5.01,5.55,5.74,5.74,5.74,5.74,5.74],\n  'OW':[5.28,5.66,6.68,7.22,7.42,7.42,7.42,7.42,7.42],\n  'SG':[5.51,5.88,6.91,7.45,7.65,7.65,7.65,7.65,7.65],\n  'SH':[1.98,3.18,4.83,5.37,5.57,5.57,5.57,5.57,5.57],\n  'SO':[3.48,4.97,6.97,7.64,7.84,7.84,7.84,7.84,7.84],\n  'SZ':[1.14,2.15,5.26,7.77,9.55,9.55,9.55,9.55,9.55],\n  'TG':[6.23,6.61,7.63,8.17,8.37,8.37,8.37,8.37,8.37],\n  'TI':[4.02,4.40,5.42,7.10,8.09,8.09,8.09,8.09,8.09],\n  'UR':[3.87,4.24,5.27,5.81,6.00,6.00,6.00,6.00,6.00],\n  'VD':[3.34,4.59,6.95,8.39,9.06,9.30,9.44,9.49,9.51],\n  'VS':[4.36,4.74,6.13,8.78,10.30,10.30,10.30,10.30,10.30],\n  'ZG':[1.77,2.81,4.60,5.76,6.28,6.43,6.53,6.56,6.58],\n  'ZH':[4.50,4.88,5.90,7.16,11.16,15.77,22.04,26.22,28.36]\n};\nconst CANTONS=[\n  ['VD','Vaud'],['GE','Gen\u00e8ve'],['ZH','Zurich'],['BE','Berne'],['FR','Fribourg'],\n  ['VS','Valais'],['NE','Neuch\u00e2tel'],['JU','Jura'],['BS','B\u00e2le-Ville'],['BL','B\u00e2le-Campagne'],\n  ['AG','Argovie'],['LU','Lucerne'],['ZG','Zoug'],['SG','Saint-Gall'],['TI','Tessin'],\n  ['SO','Soleure'],['TG','Thurgovie'],['SH','Schaffhouse'],['GR','Grisons'],['SZ','Schwytz'],\n  ['UR','Uri'],['OW','Obwald'],['NW','Nidwald'],['GL','Glaris'],['AR','Appenzell RE'],['AI','Appenzell RI']\n];\n\nfunction taxRate(canton,amount){\n  const row=TAX[canton];if(!row)return 8;\n  if(amount<=TAX_AMOUNTS[0])return row[0];\n  if(amount>=TAX_AMOUNTS[TAX_AMOUNTS.length-1])return row[row.length-1];\n  for(let i=0;i<TAX_AMOUNTS.length-1;i++){\n    const a0=TAX_AMOUNTS[i],a1=TAX_AMOUNTS[i+1];\n    if(amount>=a0&&amount<=a1){\n      const t=(amount-a0)\/(a1-a0);\n      return row[i]+(row[i+1]-row[i])*t;\n    }\n  }\n  return row[0];\n}\n\nfunction annuityPayment(capital,rate,years){\n  if(years<=0)return 0;\n  if(rate===0)return capital\/years;\n  return capital*rate\/(1-Math.pow(1+rate,-years));\n}\n\nconst fmt=n=>Math.round(n).toLocaleString('fr-CH').replace(\/\\u202f\/g,\"\\u2019\").replace(\/\\s\/g,\"\\u2019\");\nconst fmtCHF=n=>\"CHF\\u00a0\"+fmt(n);\nconst fmtPct=n=>n.toFixed(2).replace('.',',')+'\\u00a0%';\n\nconst $=id=>document.getElementById(id);\nconst capIn=$('lpp-capital'),cantonSel=$('lpp-canton'),tauxR=$('lpp-taux'),rendR=$('lpp-rend'),ageR=$('lpp-age'),espR=$('lpp-esp');\n\n\/\/ Fill canton select\nCANTONS.forEach(([code,name])=>{\n  const o=document.createElement('option');o.value=code;o.textContent=name+' ('+code+')';\n  cantonSel.appendChild(o);\n});\ncantonSel.value='VD';\n\nfunction setBg(s){const pct=((+s.value-+s.min)\/(+s.max-+s.min)*100).toFixed(1);s.style.setProperty('--p',pct+'%');}\n\nlet chart=null;\nfunction dataItem(lb,vl){return `<div class=\"rte-dataitem\"><div class=\"lb\">${lb}<\/div><div class=\"vl\">${vl}<\/div><\/div>`;}\n\nfunction compute(){\n  const capital=Math.max(1000,+capIn.value||0);\n  const canton=cantonSel.value;\n  const taux=+tauxR.value\/100;\n  const rend=+rendR.value\/100;\n  const age=+ageR.value;\n  const espMin=Math.max(age+1,+espR.value);\n  if(+espR.value<age+1){espR.value=age+1;}\n  espR.min=age+1;\n  const esp=+espR.value;\n  const years=esp-age;\n\n  $('lpp-taux-value').textContent=fmtPct(+tauxR.value);\n  $('lpp-rend-value').textContent=fmtPct(+rendR.value);\n  $('lpp-age-value').textContent=age+' ans';\n  $('lpp-esp-value').textContent=esp+' ans';\n  setBg(tauxR);setBg(rendR);setBg(ageR);setBg(espR);\n\n  \/\/ Rente LPP\n  const renteAn=capital*taux;\n\n  \/\/ Imp\u00f4t sur capital\n  const taxPct=taxRate(canton,capital);\n  const tax=capital*taxPct\/100;\n  const capitalNet=capital-tax;\n\n  \/\/ Rente issue du capital investi (annuit\u00e9 qui \u00e9puise le capital sur `years` ann\u00e9es)\n  const renteCap=annuityPayment(capitalNet,rend,years);\n\n  $('lpp-rente-y').textContent=fmtCHF(renteAn);\n  $('lpp-rente-m').textContent=fmtCHF(renteAn\/12);\n  $('lpp-cap-y').textContent=fmtCHF(renteCap);\n  $('lpp-cap-m').textContent=fmtCHF(renteCap\/12);\n  $('lpp-cap-sub').textContent='Capital net investi, consomm\u00e9 sur '+years+' ans';\n\n  \/\/ Diff\u00e9rence\n  const diff=renteCap-renteAn;\n  const diffEl=$('lpp-diff');\n  diffEl.classList.remove('pos','neg');\n  if(diff>0){\n    diffEl.classList.add('pos');\n    diffEl.innerHTML='Le retrait en capital rapporte <b>+'+fmtCHF(diff)+' \/ an<\/b> jusqu\\u2019\u00e0 '+esp+' ans, mais s\\u2019arr\u00eate ensuite.';\n  }else if(diff<0){\n    diffEl.classList.add('neg');\n    diffEl.innerHTML='La rente LPP rapporte <b>+'+fmtCHF(-diff)+' \/ an<\/b> et se poursuit \u00e0 vie.';\n  }else{\n    diffEl.innerHTML='Les deux options offrent un revenu annuel \u00e9quivalent.';\n  }\n\n  \/\/ Data row\n  $('lpp-datarow').innerHTML=[\n    dataItem('Imp\u00f4t capital ('+canton+')', fmtCHF(tax)+' \\u00b7 '+fmtPct(taxPct)),\n    dataItem('Capital net investi', fmtCHF(capitalNet)),\n    dataItem('Dur\u00e9e capital', years+' ans')\n  ].join('');\n\n  \/\/ Chart : cumul des revenus per\u00e7us\n  \/\/ Prolonger au-del\u00e0 de l'esp\u00e9rance de vie de qq ann\u00e9es pour montrer que la rente LPP continue\n  const chartYears=Math.max(years+8,30);\n  const labels=[],cumRente=[],cumCap=[];\n  for(let i=0;i<=chartYears;i++){\n    labels.push(age+i);\n    cumRente.push(renteAn*i);\n    cumCap.push(renteCap*Math.min(i,years));\n  }\n\n  drawChart(labels,[\n    {label:'Rente LPP cumul\u00e9e',data:cumRente,color:'#5b70d1',fill:true},\n    {label:'Rente du capital cumul\u00e9e',data:cumCap,color:'#c15b3a',fill:false}\n  ]);\n}\n\nfunction drawChart(labels,datasets){\n  const ctx=$('lpp-canvas');\n  if(!window.Chart){return;}\n  const cdata={\n    labels,\n    datasets:datasets.map(d=>({\n      label:d.label,data:d.data,borderColor:d.color,\n      backgroundColor:d.fill?'rgba(91,112,209,0.10)':'transparent',\n      borderWidth:2.25,pointRadius:0,fill:!!d.fill,tension:0.15\n    }))\n  };\n  if(chart){chart.data=cdata;chart.update('none');return;}\n  chart=new Chart(ctx,{type:'line',data:cdata,options:{\n    responsive:true,maintainAspectRatio:false,animation:false,\n    plugins:{legend:{display:false},tooltip:{\n      backgroundColor:'#071659',padding:12,cornerRadius:10,titleFont:{family:'Manrope',weight:700},bodyFont:{family:'Manrope'},\n      callbacks:{title:items=>'\\u00c2ge '+items[0].label+' ans',label:item=>item.dataset.label+': '+fmtCHF(item.raw)}\n    }},\n    interaction:{mode:'index',intersect:false},\n    scales:{\n      x:{grid:{display:false},border:{display:false},ticks:{color:'#c2c7d6',font:{family:'Manrope',size:11},maxTicksLimit:7,maxRotation:0}},\n      y:{grid:{color:'rgba(0,0,0,0.045)'},border:{display:false},ticks:{color:'#c2c7d6',font:{family:'Manrope',size:11},maxTicksLimit:5,callback:v=>v>=1000?fmt(v\/1000)+'k':fmt(v)}}\n    }\n  }});\n}\n\n[capIn,cantonSel,tauxR,rendR,ageR,espR].forEach(el=>el.addEventListener('input',compute));\n\nconst sc=document.createElement('script');\nsc.src='https:\/\/cdnjs.cloudflare.com\/ajax\/libs\/Chart.js\/4.4.1\/chart.umd.min.js';\nsc.onload=compute;\ndocument.head.appendChild(sc);\nsetBg(tauxR);setBg(rendR);setBg(ageR);setBg(espR);\n})();\n<\/script>\n<\/body>\n<\/html>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0f51e94 elementor-widget elementor-widget-heading\" data-id=\"0f51e94\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"que-pr\u00e9voit-lpp\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Que pr\u00e9voit la LPP \u00e0 la retraite ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6f5ab66 elementor-widget elementor-widget-text-editor\" data-id=\"6f5ab66\" 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>Par d\u00e9faut, la <a href=\"http:\/\/invexa.swiss\/2eme-pilier\/\">LPP (2\u00e8me pilier)<\/a> pr\u00e9voit le versement de l\u2019avoir de vieillesse sous forme de <a href=\"http:\/\/invexa.swiss\/rente-viagere\/\">rente viag\u00e8re<\/a>. Il est toutefois possible de retirer au moins<strong> 1\/4<\/strong> de la <strong>part obligatoire<\/strong> en capital, \u00e0 condition d\u2019en faire la demande \u00e0 l\u2019avance et avec l\u2019accord du conjoint. Certaines caisses de pension vont plus loin et permettent un retrait total en capital ou une solution mixte. Le choix est <strong>irr\u00e9vocable<\/strong> et doit \u00eatre m\u00fbrement r\u00e9fl\u00e9chi.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a9ab2ee elementor-widget elementor-widget-heading\" data-id=\"a9ab2ee\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"tableau-comparatif\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Tableau comparatif rapide<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c8011ba elementor-widget elementor-widget-html\" data-id=\"c8011ba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"Table\",\n  \"name\": \"Comparatif rente vs capital LPP en Suisse 2026\",\n  \"description\": \"Tableau comparatif entre rente viag\u00e8re et retrait en capital du 2\u00e8me pilier LPP : garantie de revenu, transmission, fiscalit\u00e9 et flexibilit\u00e9.\",\n  \"keywords\": [\"rente ou capital LPP\", \"comparatif rente capital 2\u00e8me pilier\", \"transmission h\u00e9ritiers LPP\", \"fiscalit\u00e9 rente capital suisse\"]\n}\n<\/script>\n<div class=\"t\">\n  <table>\n    <caption style=\"display:none\">Comparatif rente vs capital LPP en Suisse 2026 \u2014 garantie, transmission, fiscalit\u00e9 et flexibilit\u00e9<\/caption>\n    <thead>\n      <tr>\n        <th scope=\"col\">Crit\u00e8re<\/th>\n        <th scope=\"col\">Rente LPP<\/th>\n        <th scope=\"col\">Capital LPP<\/th>\n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr>\n        <td>Garantie de revenu<\/td>\n        <td data-label=\"Rente LPP\"><span class=\"frais-low\">\u00c0 vie, sans risque de march\u00e9<\/span><\/td>\n        <td data-label=\"Capital LPP\">Aucune, d\u00e9pend du gestionnaire<\/td>\n      <\/tr>\n      <tr>\n        <td>Transmission aux h\u00e9ritiers<\/td>\n        <td data-label=\"Rente LPP\">Limit\u00e9e au conjoint\/enfants selon la loi<\/td>\n        <td data-label=\"Capital LPP\"><span class=\"frais-low\">Le solde restant est transmis selon le droit successoral<\/span><\/td>\n      <\/tr>\n      <tr>\n        <td>Fiscalit\u00e9 au d\u00e9part<\/td>\n        <td data-label=\"Rente LPP\"><span class=\"frais-low\">Pas d'imp\u00f4t imm\u00e9diat<\/span><\/td>\n        <td data-label=\"Capital LPP\">Imposition s\u00e9par\u00e9e \u00e0 taux pr\u00e9f\u00e9rentiel<\/td>\n      <\/tr>\n      <tr>\n        <td>Fiscalit\u00e9 r\u00e9currente<\/td>\n        <td data-label=\"Rente LPP\">Impos\u00e9e \u00e0 100 % comme revenu chaque ann\u00e9e<\/td>\n        <td data-label=\"Capital LPP\"><span class=\"frais-low\">Capital impos\u00e9 sur la fortune, rendements sur le revenu<\/span><\/td>\n      <\/tr>\n      <tr>\n        <td>Flexibilit\u00e9<\/td>\n        <td data-label=\"Rente LPP\">Fixe et rigide<\/td>\n        <td data-label=\"Capital LPP\"><span class=\"frais-low\">Totale (achats, remboursements, dons)<\/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-48c33be elementor-widget elementor-widget-heading\" data-id=\"48c33be\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"option-rente\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Option 1 : la rente LPP<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eeed6c3 elementor-widget elementor-widget-text-editor\" data-id=\"eeed6c3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Opter pour la rente signifie percevoir un revenu <strong>garanti \u00e0 vie<\/strong>, vers\u00e9 mensuellement d\u00e8s la retraite.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7a92bcb elementor-widget elementor-widget-heading\" data-id=\"7a92bcb\" 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\">Avantages principaux de la rente<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5441326 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"5441326\" 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>Revenu garanti jusqu'\u00e0 la fin de vos jours<\/strong> : le versement ne d\u00e9pend ni des fluctuations des march\u00e9s, ni de votre long\u00e9vit\u00e9 r\u00e9elle.<\/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>Protection de la famille<\/strong> : en cas de d\u00e9c\u00e8s, le conjoint survivant per\u00e7oit g\u00e9n\u00e9ralement une rente \u00e9gale \u00e0 60 % de la rente initiale ; les enfants (jusqu'\u00e0 18 ou 25 ans en formation) re\u00e7oivent 20 %.<\/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>Tranquillit\u00e9 de gestion<\/strong> : aucun risque d'investissement, aucune d\u00e9cision de placement \u00e0 prendre.<\/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-1870f17 elementor-widget elementor-widget-heading\" data-id=\"1870f17\" 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\">Inconv\u00e9nients de la rente<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-76561c1 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"76561c1\" 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-far-times-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm0 448c-110.5 0-200-89.5-200-200S145.5 56 256 56s200 89.5 200 200-89.5 200-200 200zm101.8-262.2L295.6 256l62.2 62.2c4.7 4.7 4.7 12.3 0 17l-22.6 22.6c-4.7 4.7-12.3 4.7-17 0L256 295.6l-62.2 62.2c-4.7 4.7-12.3 4.7-17 0l-22.6-22.6c-4.7-4.7-4.7-12.3 0-17l62.2-62.2-62.2-62.2c-4.7-4.7-4.7-12.3 0-17l22.6-22.6c4.7-4.7 12.3-4.7 17 0l62.2 62.2 62.2-62.2c4.7-4.7 12.3-4.7 17 0l22.6 22.6c4.7 4.7 4.7 12.3 0 17z\"><\/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>Capital non transmissible<\/strong> : sans conjoint ni enfants \u00e0 charge r\u00e9pondant aux crit\u00e8res l\u00e9gaux, le reliquat reste \u00e0 la caisse de pension.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-times-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm0 448c-110.5 0-200-89.5-200-200S145.5 56 256 56s200 89.5 200 200-89.5 200-200 200zm101.8-262.2L295.6 256l62.2 62.2c4.7 4.7 4.7 12.3 0 17l-22.6 22.6c-4.7 4.7-12.3 4.7-17 0L256 295.6l-62.2 62.2c-4.7 4.7-12.3 4.7-17 0l-22.6-22.6c-4.7-4.7-4.7-12.3 0-17l62.2-62.2-62.2-62.2c-4.7-4.7-4.7-12.3 0-17l22.6-22.6c4.7-4.7 12.3-4.7 17 0l62.2 62.2 62.2-62.2c4.7-4.7 12.3-4.7 17 0l22.6 22.6c4.7 4.7 4.7 12.3 0 17z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Imposition ordinaire \u00e0 100 %<\/strong> : chaque franc per\u00e7u s'ajoute \u00e0 vos autres revenus et subit l'imp\u00f4t au bar\u00e8me plein.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-times-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm0 448c-110.5 0-200-89.5-200-200S145.5 56 256 56s200 89.5 200 200-89.5 200-200 200zm101.8-262.2L295.6 256l62.2 62.2c4.7 4.7 4.7 12.3 0 17l-22.6 22.6c-4.7 4.7-12.3 4.7-17 0L256 295.6l-62.2 62.2c-4.7 4.7-12.3 4.7-17 0l-22.6-22.6c-4.7-4.7-4.7-12.3 0-17l62.2-62.2-62.2-62.2c-4.7-4.7-4.7-12.3 0-17l22.6-22.6c4.7-4.7 12.3-4.7 17 0l62.2 62.2 62.2-62.2c4.7-4.7 12.3-4.7 17 0l22.6 22.6c4.7 4.7 4.7 12.3 0 17z\"><\/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>Aucune marge de man\u0153uvre<\/strong> : le montant est scell\u00e9 au d\u00e9part, sans possibilit\u00e9 de retrait exceptionnel.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-times-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm0 448c-110.5 0-200-89.5-200-200S145.5 56 256 56s200 89.5 200 200-89.5 200-200 200zm101.8-262.2L295.6 256l62.2 62.2c4.7 4.7 4.7 12.3 0 17l-22.6 22.6c-4.7 4.7-12.3 4.7-17 0L256 295.6l-62.2 62.2c-4.7 4.7-12.3 4.7-17 0l-22.6-22.6c-4.7-4.7-4.7-12.3 0-17l62.2-62.2-62.2-62.2c-4.7-4.7-4.7-12.3 0-17l22.6-22.6c4.7-4.7 12.3-4.7 17 0l62.2 62.2 62.2-62.2c4.7-4.7 12.3-4.7 17 0l22.6 22.6c4.7 4.7 4.7 12.3 0 17z\"><\/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>Baisse des taux de conversion<\/strong> : Les caisses de pension baissent progressivement leurs taux de conversion (notamment sur la part surobligatoire), ce qui r\u00e9duit le montant de la rente initiale pour les futurs retrait\u00e9s.<\/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-1624232 elementor-widget elementor-widget-heading\" data-id=\"1624232\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"option-retrait\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Option 2 : le retrait en capital<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cc52871 elementor-widget elementor-widget-text-editor\" data-id=\"cc52871\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tPlut\u00f4t que de percevoir un revenu mensuel, vous pouvez demander le versement de votre avoir de vieillesse sous forme de capital unique.\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a350e36 elementor-widget elementor-widget-heading\" data-id=\"a350e36\" 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\">Avantages du capital<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-697268d elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"697268d\" 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>Flexibilit\u00e9 totale<\/strong> : vous disposez des fonds comme vous le souhaitez. Remboursement d'hypoth\u00e8que, aide aux enfants, cr\u00e9ation d'entreprise, etc.<\/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>Patrimoine transmissible<\/strong> : en cas de d\u00e9c\u00e8s, tout le capital non consomm\u00e9 revient \u00e0 vos h\u00e9ritiers selon le droit successoral.<\/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>Fiscalit\u00e9 avantageuse au retrait<\/strong> : le capital est impos\u00e9 s\u00e9par\u00e9ment des autres revenus, \u00e0 un taux pr\u00e9f\u00e9rentiel r\u00e9duit selon le canton.<\/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-c4fe9a9 elementor-widget elementor-widget-heading\" data-id=\"c4fe9a9\" 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\">Inconv\u00e9nients du capital<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d2add81 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"d2add81\" 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-far-times-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm0 448c-110.5 0-200-89.5-200-200S145.5 56 256 56s200 89.5 200 200-89.5 200-200 200zm101.8-262.2L295.6 256l62.2 62.2c4.7 4.7 4.7 12.3 0 17l-22.6 22.6c-4.7 4.7-12.3 4.7-17 0L256 295.6l-62.2 62.2c-4.7 4.7-12.3 4.7-17 0l-22.6-22.6c-4.7-4.7-4.7-12.3 0-17l62.2-62.2-62.2-62.2c-4.7-4.7-4.7-12.3 0-17l22.6-22.6c4.7-4.7 12.3-4.7 17 0l62.2 62.2 62.2-62.2c4.7-4.7 12.3-4.7 17 0l22.6 22.6c4.7 4.7 4.7 12.3 0 17z\"><\/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>Risque d'\u00e9puisement du capital<\/strong> : vous devez calculer pr\u00e9cis\u00e9ment votre train de vie pour ne pas consommer l'int\u00e9gralit\u00e9 de vos \u00e9conomies.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-times-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm0 448c-110.5 0-200-89.5-200-200S145.5 56 256 56s200 89.5 200 200-89.5 200-200 200zm101.8-262.2L295.6 256l62.2 62.2c4.7 4.7 4.7 12.3 0 17l-22.6 22.6c-4.7 4.7-12.3 4.7-17 0L256 295.6l-62.2 62.2c-4.7 4.7-12.3 4.7-17 0l-22.6-22.6c-4.7-4.7-4.7-12.3 0-17l62.2-62.2-62.2-62.2c-4.7-4.7-4.7-12.3 0-17l22.6-22.6c4.7-4.7 12.3-4.7 17 0l62.2 62.2 62.2-62.2c4.7-4.7 12.3-4.7 17 0l22.6 22.6c4.7 4.7 4.7 12.3 0 17z\"><\/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>Risques de march\u00e9<\/strong> : pour maintenir le pouvoir d'achat face \u00e0 l'inflation, le capital doit \u00eatre plac\u00e9, avec le risque que cela comporte.<\/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-d334103 elementor-widget elementor-widget-heading\" data-id=\"d334103\" 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\">Quel rendement puis-je esp\u00e9rer ?<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7d961ff elementor-widget elementor-widget-text-editor\" data-id=\"7d961ff\" 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 rendement d\u00e9pendra de votre capacit\u00e9 et propension au risque. En g\u00e9n\u00e9ral, un rendement de 2-3% est vis\u00e9. Le but principal \u00e9tant de <strong>pr\u00e9server le capital retraite<\/strong>, tout en <strong>assurant une croissance mod\u00e9r\u00e9e<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fe117dc elementor-widget elementor-widget-heading\" data-id=\"fe117dc\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"option mixte\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Option 3 : la solution mixte<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e5723fa elementor-widget elementor-widget-text-editor\" data-id=\"e5723fa\" 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;est pas obligatoire de choisir une option \u00e0 100 %. Certains futurs retrait\u00e9s optent pour une <strong>strat\u00e9gie mixte<\/strong> :\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-637de31 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"637de31\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"500\" zoomAndPan=\"magnify\" viewBox=\"0 0 375 374.999991\" height=\"500\" preserveAspectRatio=\"xMidYMid meet\"><defs><g><\/g><clipPath id=\"061fad57c4\"><rect x=\"0\" width=\"139\" y=\"0\" height=\"375\"><\/rect><\/clipPath><\/defs><rect x=\"-37.5\" width=\"450\" fill=\"#ffffff\" y=\"-37.499999\" height=\"449.999989\" fill-opacity=\"1\"><\/rect><rect x=\"-37.5\" width=\"450\" fill=\"#ffffff\" y=\"-37.499999\" height=\"449.999989\" fill-opacity=\"1\"><\/rect><g transform=\"matrix(1, 0, 0, 1, 118, 0)\"><g clip-path=\"url(#061fad57c4)\"><g fill=\"#071659\" fill-opacity=\"1\"><g transform=\"translate(0.552694, 348.036103)\"><g><path d=\"M 31.734375 0 L 31.734375 -6.921875 C 42.117188 -23.847656 47.3125 -70.382812 47.3125 -146.53125 L 47.3125 -290.171875 C 43.070312 -287.484375 36.722656 -285.082031 28.265625 -282.96875 C 19.804688 -280.851562 13.460938 -279.796875 9.234375 -279.796875 L 9.234375 -290.171875 C 18.078125 -290.941406 28.171875 -292.863281 39.515625 -295.9375 C 50.859375 -299.019531 62.007812 -302.769531 72.96875 -307.1875 C 83.9375 -311.613281 93.070312 -316.132812 100.375 -320.75 L 107.296875 -320.75 L 107.296875 -146.53125 C 107.296875 -108.84375 108.640625 -78.171875 111.328125 -54.515625 C 114.023438 -30.859375 117.679688 -14.992188 122.296875 -6.921875 L 122.296875 0 Z M 31.734375 0 \"><\/path><\/g><\/g><\/g><\/g><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Utiliser la <strong>rente<\/strong> (AVS + part LPP) pour couvrir les charges de base incompressibles, tels que logement, caisse maladie, alimentation, imp\u00f4ts.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"500\" zoomAndPan=\"magnify\" viewBox=\"0 0 375 374.999991\" height=\"500\" preserveAspectRatio=\"xMidYMid meet\"><defs><g><\/g><clipPath id=\"81d0bb1951\"><rect x=\"0\" width=\"330\" y=\"0\" height=\"375\"><\/rect><\/clipPath><\/defs><rect x=\"-37.5\" width=\"450\" fill=\"#ffffff\" y=\"-37.499999\" height=\"449.999989\" fill-opacity=\"1\"><\/rect><rect x=\"-37.5\" width=\"450\" 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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\">Retirer le solde en <strong>capital<\/strong> pour cr\u00e9er une r\u00e9serve de s\u00e9curit\u00e9, aider ses proches, ou g\u00e9n\u00e9rer du rendement compl\u00e9mentaire.<\/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-fceea24 elementor-widget elementor-widget-heading\" data-id=\"fceea24\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"d\u00e9lais-annonce\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Attention aux d\u00e9lais d'annonce aupr\u00e8s de votre caisse\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-412c41c elementor-widget elementor-widget-text-editor\" data-id=\"412c41c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tC&rsquo;est un pi\u00e8ge fr\u00e9quent : chaque caisse de pension fixe un <strong>d\u00e9lai d&rsquo;annonce obligatoire<\/strong> pour demander un versement en capital, souvent entre 1 mois et 3 ans avant la date effective de votre retraite. Si vous manquez cette \u00e9ch\u00e9ance, l&rsquo;institution applique automatiquement le versement en rente.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2618ed4 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=\"2618ed4\" 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-32c9521 elementor-widget elementor-widget-heading\" data-id=\"32c9521\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"exemple-chiffr\u00e9\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Exemple chiffr\u00e9 : rente ou capital pour un avoir de 600'000 CHF<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-abf6299 elementor-widget elementor-widget-text-editor\" data-id=\"abf6299\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"font-claude-response-body break-words whitespace-normal\" dir=\"ltr\">Prenons le cas d&rsquo;un assur\u00e9 de 65 ans disposant d&rsquo;un capital LPP de 600&rsquo;000 CHF.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-367e559 elementor-widget elementor-widget-heading\" data-id=\"367e559\" 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\">Sc\u00e9nario 1 : Rente pure\n<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3991a6b elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"3991a6b\" 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\">Rente LPP brute : environ <strong>34'800 CHF\/an<\/strong> (soit 2'900 CHF\/mois, taux de conversion de <strong>5.8 %<\/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\">Impos\u00e9e \u00e0 100 % au taux ordinaire de votre canton<\/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\">Garantie \u00e0 vie, quelle que soit votre long\u00e9vit\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-b6dddc6 elementor-widget elementor-widget-heading\" data-id=\"b6dddc6\" 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\">Sc\u00e9nario 2 : Capital pur\n<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-670c309 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"670c309\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Capital brut :<\/strong> 600'000 CHF<\/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\">Imp\u00f4t unique de retrait (Gen\u00e8ve, homme seul, 65 ans, sans confession, 2025) : <strong>45'911 CHF<\/strong>, soit environ <strong>7.65 %<\/strong> du capital<\/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\">Capital net disponible : environ <strong>554'089 CHF<\/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\">Avec un rendement net de <strong>3 %\/an<\/strong> et un retrait de 34'800 CHF\/an (pour rester comparable \u00e0 la rente), le capital dure environ <strong>26 ans<\/strong> avant \u00e9puisement<\/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\">Sans aucun rendement, le m\u00eame retrait \u00e9puise le capital net en un peu moins de <strong>16 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-e012e22 elementor-widget elementor-widget-heading\" data-id=\"e012e22\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"capital-apr\u00e8s-retrait\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Que faire de son capital LPP apr\u00e8s le retrait ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5d79767 elementor-widget elementor-widget-text-editor\" data-id=\"5d79767\" 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>D\u00e9bloquer son 2\u00e8me pilier et ses piliers 3a offre une totale libert\u00e9. Mais laisser plusieurs centaines de milliers de francs sur un compte bancaire r\u00e9mun\u00e9r\u00e9 \u00e0 pr\u00e8s de 0 % vous expose \u00e0 deux pi\u00e8ges majeurs : l\u2019<strong>\u00e9rosion due \u00e0 l\u2019inflation et l\u2019imp\u00f4t annuel sur la fortune<\/strong>.<\/p><p>Pour faire fructifier ce capital et g\u00e9n\u00e9rer un compl\u00e9ment de revenu r\u00e9gulier tout au long de votre retraite, la strat\u00e9gie doit s\u2019adapter \u00e0 vos objectifs et \u00e0 votre r\u00e9sidence. De nombreuses solutions existent, du plan de revenus \u00e0 la <a href=\"https:\/\/invexa.swiss\/rente-certaine\/\">rente certaine<\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b3a6e37 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"b3a6e37\" 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>Plans de revenus \u00e0 part garantie :<\/strong> Des solutions d'investissement modernes sp\u00e9cifiquement con\u00e7ues pour la retraite. Elles permettent d'assurer la protection du capital initial gr\u00e2ce \u00e0 un taux d'int\u00e9r\u00eat s\u00e9curis\u00e9, tout en permettant la croissance du capital via une partie en fonds. C'est la solution id\u00e9ale pour s\u00e9curiser sa tr\u00e9sorerie et garantir un revenu r\u00e9gulier sans prendre de risque inutile sur son capital.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Fonds de placement avec retraits planifi\u00e9s :<\/strong> Permet de viser une croissance du capital via une exposition aux march\u00e9s (actions\/obligations). Cette strat\u00e9gie n\u00e9cessite une s\u00e9lection tr\u00e8s rigoureuse des fonds et l'accompagnement d'un gestionnaire de fortune afin de piloter la volatilit\u00e9 et encadrer les risques lors des phases de baisse des march\u00e9s.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Immobilier de rendement :<\/strong> Permet de g\u00e9n\u00e9rer des rentes mensuelles via des distributions stables (revenus locatifs) sans subir les contraintes de gestion directe d'un bien physique. C'est un excellent outil pour maintenir son pouvoir d'achat et compl\u00e9ter la 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>Assurance-vie internationale (Luxembourg \/ France) :<\/strong> Une enveloppe financi\u00e8re cl\u00e9 pour les frontaliers (Permis G) et les binationaux. Elle offre la s\u00e9curit\u00e9 renforc\u00e9e du \"super privil\u00e8ge\" luxembourgeois, une neutralit\u00e9 fiscale internationale et une optimisation de la transmission successorale.<\/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-bed6a8d elementor-widget elementor-widget-heading\" data-id=\"bed6a8d\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"questions-frequented\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Questions fr\u00e9quentes<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-512ac9c elementor-widget elementor-widget-n-accordion\" data-id=\"512ac9c\" 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-8510\" 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-8510\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Quel est le d\u00e9lai pour annoncer le retrait en capital \u00e0 sa caisse de pension ? <\/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-8510\" class=\"elementor-element elementor-element-15aa593 e-con-full e-flex e-con e-child\" data-id=\"15aa593\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e0297f9 elementor-widget elementor-widget-text-editor\" data-id=\"e0297f9\" 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 d\u00e9lai l\u00e9gal minimum est fix\u00e9 \u00e0 <strong>3 mois<\/strong> avant la date de la retraite. Toutefois, les r\u00e8glements de beaucoup de caisses de pension imposent des pr\u00e9avis plus longs, allant de <strong>6 mois jusqu&rsquo;\u00e0 3 ans<\/strong>. Il est donc essentiel de consulter le r\u00e8glement de votre institution de pr\u00e9voyance d\u00e8s 55 ou 60 ans pour ne pas laisser passer l&rsquo;\u00e9ch\u00e9ance.<\/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-8511\" 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-8511\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Faut-il l'accord de son conjoint pour retirer son 2\u00e8me pilier en capital ? <\/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-8511\" class=\"elementor-element elementor-element-28c42bc e-con-full e-flex e-con e-child\" data-id=\"28c42bc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7ba458b elementor-widget elementor-widget-text-editor\" data-id=\"7ba458b\" 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>Oui, obligatoirement.<\/strong> Si vous \u00eates mari\u00e9(e) ou li\u00e9(e) par un partenariat enregistr\u00e9, la loi suisse exige la signature l\u00e9galis\u00e9e de votre conjoint(e) (devant notaire ou directement au si\u00e8ge de la caisse de pension selon les institutions). Cette mesure vise \u00e0 prot\u00e9ger le conjoint, car le retrait en capital modifie ses droits \u00e0 une future rente de survivant.<\/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-8512\" 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-8512\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Peut-on changer d'avis apr\u00e8s avoir formul\u00e9 sa demande ? <\/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-8512\" class=\"elementor-element elementor-element-2d027d9 e-con-full e-flex e-con e-child\" data-id=\"2d027d9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0327ee2 elementor-widget elementor-widget-text-editor\" data-id=\"0327ee2\" 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, le choix est irr\u00e9vocable.<\/strong> Une fois le choix valid\u00e9 et l&rsquo;\u00e9ch\u00e9ance du pr\u00e9avis d\u00e9pass\u00e9e (ou la prestation vers\u00e9e), vous ne pouvez plus annuler votre demande ni convertir un capital en rente LPP (et inversement).<\/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-8513\" 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-8513\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Comment est impos\u00e9 le retrait du 2\u00e8me pilier en capital ? <\/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-8513\" class=\"elementor-element elementor-element-064384b e-con-full e-flex e-con e-child\" data-id=\"064384b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e866df0 elementor-widget elementor-widget-text-editor\" data-id=\"e866df0\" 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 retrait en capital est impos\u00e9 <strong>s\u00e9par\u00e9ment de vos autres revenus<\/strong>, \u00e0 un taux pr\u00e9f\u00e9rentiel et progressif (imp\u00f4t sur les prestations en capital). La facture fiscale globale d\u00e9pend du montant retir\u00e9 et de votre canton de domicile au moment du versement. Par la suite, le montant net restant entre dans votre d\u00e9claration annuelle au titre de l&rsquo;<strong>imp\u00f4t sur la fortune<\/strong>, et les rendements g\u00e9n\u00e9r\u00e9s sont soumis \u00e0 l&rsquo;<strong>imp\u00f4t sur le revenu<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-8514\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-8514\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Que devient le capital LPP si je d\u00e9c\u00e8de pr\u00e9matur\u00e9ment apr\u00e8s la retraite ? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-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-8514\" class=\"elementor-element elementor-element-2783734 e-con-full e-flex e-con e-child\" data-id=\"2783734\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cfa415c elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"cfa415c\" 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>Si vous avez choisi la rente :<\/strong> Le versant de la rente prend fin. Seule une rente de conjoint (60 % de votre rente) ou d'orphelin (20 %) est vers\u00e9e aux ayants droit l\u00e9gaux. S'il n'y a pas de b\u00e9n\u00e9ficiaires r\u00e9pondant aux crit\u00e8res stricts de la LPP, le capital non consomm\u00e9 reste d\u00e9finitivement acquis \u00e0 la caisse.<\/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>Si vous avez choisi le capital :<\/strong> Le solde de votre capital (ou les placements dans lesquels il est investi) entre dans votre masse successorale et est transmis int\u00e9gralement \u00e0 vos h\u00e9ritiers selon le droit des successions.<\/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-8515\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"6\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-8515\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Est-il possible de combiner rente et capital ? <\/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-8515\" class=\"elementor-element elementor-element-4873d79 e-con-full e-flex e-con e-child\" data-id=\"4873d79\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1adcd13 elementor-widget elementor-widget-text-editor\" data-id=\"1adcd13\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Oui, c&rsquo;est l&rsquo;<strong>option mixte<\/strong>. La loi LPP garantit le retrait d&rsquo;au moins 25 % du capital de la part obligatoire, mais la plupart des caisses autorisent le choix du pourcentage exact (ex. 50 % en rente et 50 % en capital). C&rsquo;est souvent la solution la plus \u00e9quilibr\u00e9e pour couvrir ses charges fixes avec la rente tout en gardant de la flexibilit\u00e9 et de la transmission avec le capital.<\/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\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>\u00c0 l&rsquo;approche de la retraite, les assur\u00e9s du 2\u00e8me pilier en Suisse doivent choisir de percevoir leur LPP sous forme de rente viag\u00e8re, de capital unique, ou d&rsquo;une combinaison des deux. Ce choix est irr\u00e9vocable et a des cons\u00e9quences majeures sur vos finances, votre fiscalit\u00e9, la transmission de votre patrimoine et votre niveau de vie futur.<\/p>","protected":false},"author":1,"featured_media":784,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[21],"tags":[12,22],"class_list":["post-388","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-retraite","tag-2eme-pilier","tag-lpp"],"_links":{"self":[{"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/posts\/388","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=388"}],"version-history":[{"count":9,"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/posts\/388\/revisions"}],"predecessor-version":[{"id":2298,"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/posts\/388\/revisions\/2298"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/media\/784"}],"wp:attachment":[{"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/media?parent=388"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/categories?post=388"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/tags?post=388"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}