{"id":1332,"date":"2026-01-15T07:51:05","date_gmt":"2026-01-15T07:51:05","guid":{"rendered":"http:\/\/invexa.ch\/?page_id=1332"},"modified":"2026-03-05T09:14:24","modified_gmt":"2026-03-05T09:14:24","slug":"expert-pilier-3a","status":"publish","type":"page","link":"https:\/\/invexa.ch\/en\/services\/expert-pilier-3a\/","title":{"rendered":"Pillar 3a expert"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1332\" class=\"elementor elementor-1332\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c2d9464 e-flex e-con-boxed e-con e-parent\" data-id=\"c2d9464\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-3d359c6 e-con-full e-flex e-con e-child\" data-id=\"3d359c6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-56d4873 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"56d4873\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><nav aria-label=\"breadcrumbs\" class=\"rank-math-breadcrumb\"><p><span class=\"last\">Home<\/span><\/p><\/nav><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2780bd9 elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"2780bd9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Expert du pilier 3a en Suisse<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2faa105 elementor-widget__width-inherit elementor-widget elementor-widget-theme-post-excerpt\" data-id=\"2faa105\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-excerpt.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\tLe pilier 3a est une strat\u00e9gie.\nChez Invexa, nous vous conseillons de mani\u00e8re ind\u00e9pendante, avec des partenaires bancaires et assurantiels soigneusement s\u00e9lectionn\u00e9s.\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9ad4769 elementor-mobile-align-justify elementor-align-left elementor-widget__width-auto elementor-widget-mobile__width-inherit elementor-widget elementor-widget-button\" data-id=\"9ad4769\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/forms.invexa.ch\/pilier-3a\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Lancer mon analyse<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9837a02 elementor-mobile-align-justify elementor-align-left elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-widget elementor-widget-button\" data-id=\"9837a02\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/meetings-eu1.hubspot.com\/claire-fivaz\/appel-decouverte\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Prendre rendez-vous<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5cd807c e-flex e-con-boxed e-con e-parent\" data-id=\"5cd807c\" 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-cc43c0b e-con-full e-flex e-con e-child\" data-id=\"cc43c0b\" 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-d161324 posts-slider elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"d161324\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#conseil\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Demander un conseil<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-233e496 posts-slider elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"233e496\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#decouvrir\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">D\u00e9couvrir le pilier 3a<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1e761a0 posts-slider elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"1e761a0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#calculer\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Calculer le rendement<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0c663d2 posts-slider elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"0c663d2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#information\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">S'informer<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-851959b posts-slider elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"851959b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/invexa.ch\/offre-3eme-pilier\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Comparer<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-851e0d9 e-flex e-con-boxed e-con e-parent\" data-id=\"851e0d9\" 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-e07a384 e-con-full e-flex e-con e-child\" data-id=\"e07a384\" 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-a8a1328 elementor-widget elementor-widget-menu-anchor\" data-id=\"a8a1328\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"conseil\"><\/div>\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-d95b009 elementor-widget elementor-widget-heading\" data-id=\"d95b009\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Demandez un conseil pour le pilier 3a<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e2c24d1 elementor-widget elementor-widget-text-editor\" data-id=\"e2c24d1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Planifiez un rendez-vous<\/strong> sans engagement avec nos experts pour d\u00e9couvrir les <strong>solutions 3a<\/strong>, analyser vos besoins et comparer objectivement les meilleures options du march\u00e9.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d54e907 elementor-widget elementor-widget-html\" data-id=\"d54e907\" data-element_type=\"widget\" data-e-type=\"widget\" data-no-translation=\"\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>.elementor-element-d54e907{display:none !important}<\/style>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5af729e elementor-widget elementor-widget-html\" data-id=\"5af729e\" data-element_type=\"widget\" data-e-type=\"widget\" data-no-translation=\"\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<script src=\"https:\/\/js-eu1.hsforms.net\/forms\/embed\/146715982.js\" defer><\/script>\n<div class=\"hs-form-frame\" data-region=\"eu1\" data-form-id=\"764f0011-a9c8-4379-afa8-56856a625f97\" data-portal-id=\"146715982\"><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-37248f9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"37248f9\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-f4c06bc\" data-id=\"f4c06bc\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0a84e34 elementor-widget elementor-widget-menu-anchor\" data-id=\"0a84e34\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"decouvrir\"><\/div>\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-36dfc88 elementor-widget elementor-widget-heading\" data-id=\"36dfc88\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Un pilier 3a qui vous ressemble<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-933c880 elementor-widget elementor-widget-text-editor\" data-id=\"933c880\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Le <strong>3\u00e8me pilier A<\/strong> vous permet de pr\u00e9parer votre <strong>retraite<\/strong> tout en r\u00e9duisant vos imp\u00f4ts chaque ann\u00e9e. C\u2019est un levier essentiel pour allier s\u00e9curit\u00e9 financi\u00e8re et optimisation fiscale.<\/p><p>Selon vos revenus, votre horizon de placement et vos projets, les choix de contrat et de support (banque ou assurance) peuvent varier fortement. Une analyse personnalis\u00e9e est indispensable pour tirer le meilleur parti de ce dispositif.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fc43a5f elementor-widget elementor-widget-toggle\" data-id=\"fc43a5f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"toggle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2641\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-2641\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Optimisez votre fiscalit\u00e9<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2641\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-2641\"><p><strong>R\u00e9duisez vos imp\u00f4ts<\/strong> d\u00e8s aujourd\u2019hui gr\u00e2ce aux <a href=\"https:\/\/invexa.ch\/prevoyance\/3eme-pilier-et-deduction-dimpot\/\">d\u00e9ductions fiscales offertes par le 3\u00e8me pilier A<\/a>. Chaque franc investi vient all\u00e9ger votre revenu imposable et vous permet de constituer un capital retraite dans des conditions avantageuses.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2642\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-2642\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Gardez la ma\u00eetrise de votre \u00e9pargne<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2642\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-2642\"><p>Le 3\u00e8me pilier A existe sous deux formes principales: <a href=\"https:\/\/invexa.ch\/prevoyance\/3eme-pilier-assurance-ou-banque\/\">bancaire ou assurantielle<\/a>. La solution bancaire vous offre une grande souplesse et un acc\u00e8s \u00e0 des fonds d\u2019investissement, alors que la solution assurantielle int\u00e8gre en plus des <strong>couvertures de risque<\/strong> (d\u00e9c\u00e8s, invalidit\u00e9). Nous vous aidons \u00e0 comparer objectivement ces mod\u00e8les pour que votre \u00e9pargne corresponde \u00e0 vos priorit\u00e9s : performance, s\u00e9curit\u00e9 ou \u00e9quilibre entre les deux.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2643\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-2643\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Prot\u00e9gez vos proches et votre avenir<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2643\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-2643\"><p>Un contrat de 3\u00e8me pilier A ne se limite pas \u00e0 l\u2019\u00e9pargne retraite. En int\u00e9grant des <strong>garanties compl\u00e9mentaires<\/strong>, il peut s\u00e9curiser financi\u00e8rement votre famille en cas d\u2019accident de vie. Vous prot\u00e9gez vos proches tout en vous assurant de conserver votre qualit\u00e9 de vie, m\u00eame face \u00e0 l\u2019impr\u00e9vu. C\u2019est une strat\u00e9gie compl\u00e8te de pr\u00e9voyance qui va bien au-del\u00e0 d\u2019un simple produit d\u2019\u00e9pargne.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\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\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-500671a\" data-id=\"500671a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b223771 elementor-widget elementor-widget-image\" data-id=\"b223771\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"800\" src=\"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/04\/Un-pilier-3a-qui-vous-ressemble-1024x1024.png\" class=\"attachment-large size-large wp-image-1551\" alt=\"Un pilier 3a qui vous ressemble\" srcset=\"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/04\/Un-pilier-3a-qui-vous-ressemble-1024x1024.png 1024w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/04\/Un-pilier-3a-qui-vous-ressemble-300x300.png 300w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/04\/Un-pilier-3a-qui-vous-ressemble-150x150.png 150w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/04\/Un-pilier-3a-qui-vous-ressemble-768x768.png 768w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/04\/Un-pilier-3a-qui-vous-ressemble-1536x1536.png 1536w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/04\/Un-pilier-3a-qui-vous-ressemble.png 1563w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-52aee18 elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"52aee18\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4d837e8\" data-id=\"4d837e8\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-210c172 elementor-widget elementor-widget-heading\" data-id=\"210c172\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Tout savoir sur la pr\u00e9voyance li\u00e9e<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-519cf5a elementor-widget elementor-widget-text-editor\" data-id=\"519cf5a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>D\u00e9couvrez tout ce qu&rsquo;il y a \u00e0 savoir sur la pr\u00e9voyance individuelle li\u00e9e (pilier 3a).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1b3b9c5 posts-slider elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"1b3b9c5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/invexa.ch\/fr\/tag\/3a\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">En savoir plus sur le pilier 3a<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bd03514 elementor-grid-4 posts-slider elementor-grid-tablet-2 elementor-grid-mobile-1 elementor-posts--thumbnail-top elementor-widget elementor-widget-posts\" data-id=\"bd03514\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;classic_row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:9,&quot;sizes&quot;:[]},&quot;classic_columns&quot;:&quot;4&quot;,&quot;classic_row_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:7,&quot;sizes&quot;:[]},&quot;classic_columns_tablet&quot;:&quot;2&quot;,&quot;classic_columns_mobile&quot;:&quot;1&quot;,&quot;classic_row_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"posts.classic\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-posts-container elementor-posts elementor-posts--skin-classic elementor-grid\" role=\"list\">\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-885 post type-post status-publish format-standard has-post-thumbnail hentry category-prevoyance tag-3a tag-3b tag-3eme-pilier tag-frontalier\" role=\"listitem\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/invexa.ch\/en\/prevoyance\/3eme-pilier-pour-frontalier\/\" tabindex=\"-1\">\n\t\t\t<div class=\"elementor-post__thumbnail\"><img decoding=\"async\" width=\"768\" height=\"432\" src=\"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/04\/3eme-pilier-pour-frontalier-768x432.png\" class=\"attachment-medium_large size-medium_large wp-image-926\" alt=\"3\u00e8me pilier pour frontalier\" srcset=\"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/04\/3eme-pilier-pour-frontalier-768x432.png 768w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/04\/3eme-pilier-pour-frontalier-300x169.png 300w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/04\/3eme-pilier-pour-frontalier-1024x576.png 1024w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/04\/3eme-pilier-pour-frontalier-1536x864.png 1536w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/04\/3eme-pilier-pour-frontalier.png 1680w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h4 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/invexa.ch\/en\/prevoyance\/3eme-pilier-pour-frontalier\/\">\n\t\t\t\t3\u00e8me pilier frontalier suisse (2026) : Fiscalit\u00e9, TOU et retrait\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/invexa.ch\/en\/prevoyance\/3eme-pilier-pour-frontalier\/\" aria-label=\"Read more about 3\u00e8me pilier frontalier suisse (2026) : Fiscalit\u00e9, TOU et retrait\" tabindex=\"-1\" target=\"_blank\">\n\t\t\tEn savoir plus &#8594;\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-628 post type-post status-publish format-standard has-post-thumbnail hentry category-prevoyance tag-3a tag-3b tag-3eme-pilier tag-independant tag-retraite\" role=\"listitem\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/invexa.ch\/en\/prevoyance\/3eme-pilier\/\" tabindex=\"-1\">\n\t\t\t<div class=\"elementor-post__thumbnail\"><img decoding=\"async\" width=\"768\" height=\"349\" src=\"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/03\/3eme-pilier-le-guide-complet-768x349.png\" class=\"attachment-medium_large size-medium_large wp-image-1106\" alt=\"3\u00e8me pilier le guide complet\" srcset=\"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/03\/3eme-pilier-le-guide-complet-768x349.png 768w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/03\/3eme-pilier-le-guide-complet-300x136.png 300w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/03\/3eme-pilier-le-guide-complet-1024x466.png 1024w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/03\/3eme-pilier-le-guide-complet-1536x698.png 1536w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/03\/3eme-pilier-le-guide-complet.png 1757w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h4 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/invexa.ch\/en\/prevoyance\/3eme-pilier\/\">\n\t\t\t\t3\u00e8me pilier\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/invexa.ch\/en\/prevoyance\/3eme-pilier\/\" aria-label=\"Read more about 3\u00e8me pilier\" tabindex=\"-1\" target=\"_blank\">\n\t\t\tEn savoir plus &#8594;\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-5688 post type-post status-publish format-standard has-post-thumbnail hentry category-prevoyance tag-3a tag-3b tag-3eme-pilier tag-independant tag-revue\" role=\"listitem\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/invexa.ch\/en\/prevoyance\/3eme-pilier-axa\/\" tabindex=\"-1\">\n\t\t\t<div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"349\" src=\"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/11\/3eme-pilier-AXA-768x349.png\" class=\"attachment-medium_large size-medium_large wp-image-6216\" alt=\"3\u00e8me pilier AXA: analyse des solutions SmartFlex (3a\/3b)\" srcset=\"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/11\/3eme-pilier-AXA-768x349.png 768w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/11\/3eme-pilier-AXA-300x136.png 300w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/11\/3eme-pilier-AXA-1024x466.png 1024w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/11\/3eme-pilier-AXA-1536x698.png 1536w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/11\/3eme-pilier-AXA-18x8.png 18w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/11\/3eme-pilier-AXA.png 1700w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h4 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/invexa.ch\/en\/prevoyance\/3eme-pilier-axa\/\">\n\t\t\t\t3\u00e8me pilier AXA 2026: analyse des solutions SmartFlex (3a\/3b)\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/invexa.ch\/en\/prevoyance\/3eme-pilier-axa\/\" aria-label=\"Read more about 3\u00e8me pilier AXA 2026: analyse des solutions SmartFlex (3a\/3b)\" tabindex=\"-1\" target=\"_blank\">\n\t\t\tEn savoir plus &#8594;\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-711 post type-post status-publish format-standard has-post-thumbnail hentry category-prevoyance tag-3a tag-3eme-pilier tag-independant\" role=\"listitem\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/invexa.ch\/en\/prevoyance\/pilier-3a\/\" tabindex=\"-1\">\n\t\t\t<div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"349\" src=\"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/03\/Pilier-3a-Tout-savoir-sur-la-prevoyance-liee-768x349.png\" class=\"attachment-medium_large size-medium_large wp-image-1095\" alt=\"Pilier 3a Tout savoir sur la pr\u00e9voyance li\u00e9e\" srcset=\"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/03\/Pilier-3a-Tout-savoir-sur-la-prevoyance-liee-768x349.png 768w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/03\/Pilier-3a-Tout-savoir-sur-la-prevoyance-liee-300x136.png 300w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/03\/Pilier-3a-Tout-savoir-sur-la-prevoyance-liee-1024x466.png 1024w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/03\/Pilier-3a-Tout-savoir-sur-la-prevoyance-liee-1536x698.png 1536w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/03\/Pilier-3a-Tout-savoir-sur-la-prevoyance-liee.png 1757w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h4 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/invexa.ch\/en\/prevoyance\/pilier-3a\/\">\n\t\t\t\tPilier 3a en Suisse: guide de la pr\u00e9voyance li\u00e9e (2026)\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/invexa.ch\/en\/prevoyance\/pilier-3a\/\" aria-label=\"Read more about Pilier 3a en Suisse: guide de la pr\u00e9voyance li\u00e9e (2026)\" tabindex=\"-1\" target=\"_blank\">\n\t\t\tEn savoir plus &#8594;\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-fee6c0e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fee6c0e\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c29133c\" data-id=\"c29133c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3df4c4d elementor-widget elementor-widget-menu-anchor\" data-id=\"3df4c4d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"calculer\"><\/div>\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-5976856 elementor-widget elementor-widget-heading\" data-id=\"5976856\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Calculez votre potentiel de rendement<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-db06fca elementor-widget elementor-widget-text-editor\" data-id=\"db06fca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>D\u00e9couvrez ce que vous pouvez potentiellement \u00e9conomiser d&rsquo;ici votre retraite gr\u00e2ce \u00e0 une solution 3a.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d1454f elementor-widget elementor-widget-html\" data-id=\"2d1454f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<!-- HTML for Pilier 3a Projection Simulator -->\n<div id=\"simu3a-wrapper\">\n  <div class=\"simu3a-container\">\n    <!-- Left side: Inputs -->\n    <div class=\"simu3a-inputs\">\n      <div class=\"input-group\">\n        <label>Genre<\/label>\n        <div class=\"radio-group\">\n          <label><input type=\"radio\" name=\"gender\" value=\"homme\" checked> Homme<\/label>\n          <label><input type=\"radio\" name=\"gender\" value=\"femme\"> Femme<\/label>\n        <\/div>\n      <\/div>\n\n      <div class=\"input-group\">\n        <label>Statut<\/label>\n        <div class=\"radio-group\">\n          <label><input type=\"radio\" name=\"status\" value=\"employe\" checked> Employ\u00e9<\/label>\n          <label><input type=\"radio\" name=\"status\" value=\"independant\"> Ind\u00e9pendant<\/label>\n        <\/div>\n      <\/div>\n\n      <div class=\"input-group\">\n        <label for=\"age\">\u00c2ge actuel : <span id=\"age-val\">35<\/span> ans<\/label>\n        <input type=\"range\" id=\"age\" min=\"18\" max=\"64\" value=\"35\">\n        <input type=\"number\" id=\"age-num\" value=\"35\">\n      <\/div>\n\n      <div class=\"input-group\">\n        <label for=\"initial\">Montant initial (CHF) : <span id=\"initial-val\">10000<\/span><\/label>\n        <input type=\"range\" id=\"initial\" min=\"0\" max=\"100000\" step=\"1000\" value=\"10000\">\n        <input type=\"number\" id=\"initial-num\" value=\"10000\">\n      <\/div>\n\n      <div class=\"input-group\">\n        <label for=\"annual\">Cotisation annuelle (CHF) : <span id=\"annual-val\">7056<\/span><\/label>\n        <input type=\"range\" id=\"annual\" min=\"0\" max=\"7258\" step=\"100\" value=\"7258\">\n        <input type=\"number\" id=\"annual-num\" value=\"7258\">\n      <\/div>\n\n      <div class=\"input-group\">\n        <label>Strat\u00e9gie d'investissement<\/label>\n        <div class=\"strategy-buttons\">\n          <button class=\"strategy-btn\" data-base=\"0.005\">Epargne<\/button>\n          <button class=\"strategy-btn\" data-base=\"0.015\">Prudent<\/button>\n          <button class=\"strategy-btn\" data-base=\"0.03\">\u00c9quilibr\u00e9<\/button>\n          <button class=\"strategy-btn\" data-base=\"0.045\">Dynamique<\/button>\n          <button class=\"strategy-btn\" data-base=\"0.06\">Ambitieux<\/button>\n        <\/div>\n      <\/div>\n    <\/div>\n\n    <!-- Right side: Chart -->\n    <div class=\"simu3a-chart\">\n      <canvas id=\"chart3a\"><\/canvas>\n      <div class=\"result-blocks\">\n        <div class=\"result-block\" id=\"result-pessimiste\"><\/div>\n        <div class=\"result-block\" id=\"result-probable\"><\/div>\n        <div class=\"result-block\" id=\"result-optimiste\"><\/div>\n      <\/div>\n      <div id=\"chart-summary\"><\/div>\n    <\/div>\n  <\/div>\n\n  <!-- Disclaimer -->\n  <p class=\"disclaimer\">Les performances pass\u00e9es ou simul\u00e9es ne garantissent pas les performances futures. Cette projection est donn\u00e9e \u00e0 titre purement indicatif.<\/p>\n<\/div>\n\n<script src=\"https:\/\/cdn.jsdelivr.net\/npm\/chart.js\"><\/script>\n<script>\n\/\/ JS for Pilier 3a Simulator\n\ndocument.addEventListener(\"DOMContentLoaded\", function () {\n  const ageSlider = document.getElementById('age');\n  const ageNum = document.getElementById('age-num');\n  const initialSlider = document.getElementById('initial');\n  const initialNum = document.getElementById('initial-num');\n  const annualSlider = document.getElementById('annual');\n  const annualNum = document.getElementById('annual-num');\n  const resultPess = document.getElementById('result-pessimiste');\n  const resultProb = document.getElementById('result-probable');\n  const resultOpti = document.getElementById('result-optimiste');\n\n  const updateSliderBackground = (slider) => {\n    const val = ((slider.value - slider.min) \/ (slider.max - slider.min)) * 100;\n    slider.style.setProperty('--progress', `${val}%`);\n  };\n\n  document.querySelectorAll('input[type=\"range\"]').forEach(slider => {\n    updateSliderBackground(slider);\n    slider.addEventListener('input', () => updateSliderBackground(slider));\n  });\n\n  const sync = (range, number, labelId) => {\n    const label = document.getElementById(labelId);\n    range.addEventListener('input', () => {\n      number.value = range.value;\n      if (label) label.textContent = range.value;\n      updateSliderBackground(range);\n      updateChart();\n    });\n    number.addEventListener('input', () => {\n      range.value = number.value;\n      if (label) label.textContent = number.value;\n      updateSliderBackground(range);\n      updateChart();\n    });\n  };\n\n  sync(ageSlider, ageNum, 'age-val');\n  sync(initialSlider, initialNum, 'initial-val');\n  sync(annualSlider, annualNum, 'annual-val');\n\n  document.querySelectorAll('input[name=\"status\"]').forEach(el => {\n    el.addEventListener('change', () => {\n      const max = el.value === 'employe' ? 7258 : 36288;\n      annualSlider.max = max;\n      annualNum.max = max;\n      if (+annualSlider.value > max) {\n        annualSlider.value = max;\n        annualNum.value = max;\n      }\n      updateSliderBackground(annualSlider);\n      updateChart();\n    });\n  });\n\n  let selectedBaseReturn = 0.03;\n  const strategyBtns = document.querySelectorAll('.strategy-btn');\n  strategyBtns.forEach(btn => {\n    btn.addEventListener('click', () => {\n      strategyBtns.forEach(b => b.classList.remove('active'));\n      btn.classList.add('active');\n      selectedBaseReturn = parseFloat(btn.dataset.base);\n      updateChart();\n    });\n  });\n  strategyBtns[2].click();\n\n  function computeProjection(initial, annual, years, rate) {\n    let values = [], total = initial;\n    for (let i = 0; i <= years; i++) {\n      if (i > 0) total = total * (1 + rate) + annual;\n      values.push(Math.round(total));\n    }\n    return values;\n  }\n\n  const ctx = document.getElementById('chart3a').getContext('2d');\n  const chart = new Chart(ctx, {\n    type: 'line',\n    data: {\n      labels: [],\n      datasets: [\n        { label: 'Pessimiste', data: [], borderColor: '#071659', fill: false, tension: 0.3 },\n        { label: 'Probable', data: [], borderColor: '#5B70D1', fill: false, tension: 0.3 },\n        { label: 'Optimiste', data: [], borderColor: '#B5E0F8', fill: false, tension: 0.3 }\n      ]\n    },\n    options: {\n      responsive: true,\n      maintainAspectRatio: false,\n      plugins: {\n        legend: { position: 'top', labels: { font: { family: 'Manrope' } } },\n        tooltip: {\n          mode: 'index',\n          intersect: false,\n          bodyFont: { family: 'Manrope' },\n          titleFont: { family: 'Manrope' }\n        }\n      },\n      interaction: {\n        mode: 'index',\n        intersect: false\n      },\n      scales: {\n        x: {\n          title: { display: true, text: '\u00c2ge', font: { family: 'Manrope' } },\n          ticks: {\n            callback: function(value, index) {\n              return index % 5 === 0 ? this.getLabelForValue(value) : '';\n            },\n            font: { family: 'Manrope' }\n          },\n          grid: { display: false }\n        },\n        y: {\n          beginAtZero: true,\n          title: { display: true, text: 'Capital projet\u00e9 (CHF)', font: { family: 'Manrope' } },\n          ticks: { font: { family: 'Manrope' } },\n          grid: { drawBorder: false, color: '#E5E7EB' }\n        }\n      }\n    }\n  });\n\n  function updateChart() {\n    const age = parseInt(ageSlider.value);\n    const initial = parseFloat(initialSlider.value);\n    const annual = parseFloat(annualSlider.value);\n    const gender = document.querySelector('input[name=\"gender\"]:checked').value;\n    const years = (gender === 'femme' ? 64 : 65) - age;\n    const labels = Array.from({ length: years + 1 }, (_, i) => age + i);\n\n    const dataPess = computeProjection(initial, annual, years, selectedBaseReturn - 0.015);\n    const dataProb = computeProjection(initial, annual, years, selectedBaseReturn);\n    const dataOpti = computeProjection(initial, annual, years, selectedBaseReturn + 0.015);\n\n    chart.data.labels = labels;\n    chart.data.datasets[0].data = dataPess;\n    chart.data.datasets[1].data = dataProb;\n    chart.data.datasets[2].data = dataOpti;\n    chart.update();\n\n     resultPess.innerHTML = `<div style=\"font-size:14px; font-family: Manrope;\">Sc\u00e9nario pessimiste<\/div><div style=\"font-size:25px; font-weight:bold; font-family: Manrope;\">${dataPess.at(-1).toLocaleString('fr-CH')} CHF<\/div>`;\n    resultProb.innerHTML = `<div style=\"font-size:14px; font-family: Manrope;\">Sc\u00e9nario probable<\/div><div style=\"font-size:25px; font-weight:bold; font-family: Manrope;\">${dataProb.at(-1).toLocaleString('fr-CH')} CHF<\/div>`;\n    resultOpti.innerHTML = `<div style=\"font-size:14px; font-family: Manrope;\">Sc\u00e9nario optimiste<\/div><div style=\"font-size:25px; font-weight:bold; font-family: Manrope;\">${dataOpti.at(-1).toLocaleString('fr-CH')} CHF<\/div>`;\n  }\n\n  updateChart();\n});\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6995761 elementor-section-height-min-height elementor-section-items-stretch elementor-section-content-middle elementor-section-boxed elementor-section-height-default\" data-id=\"6995761\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-2d6defc\" data-id=\"2d6defc\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c1fbce1 elementor-widget elementor-widget-heading\" data-id=\"c1fbce1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Questions fr\u00e9quentes sur le 3\u00e8me pilier A<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ee7bfa elementor-widget-mobile__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"2ee7bfa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Voici les r\u00e9ponses aux questions les plus fr\u00e9quentes sur le 3\u00e8me pilier A en Suisse.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-81f5879\" data-id=\"81f5879\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c502721 elementor-widget elementor-widget-menu-anchor\" data-id=\"c502721\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"information\"><\/div>\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-862d7d4 elementor-widget elementor-widget-toggle\" data-id=\"862d7d4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"toggle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1401\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1401\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Qu\u2019est-ce que le 3e pilier A ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1401\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1401\"><p>Le 3e pilier A fait partie du syst\u00e8me suisse de pr\u00e9voyance et repr\u00e9sente la pr\u00e9voyance <strong data-start=\"377\" data-end=\"398\">individuelle li\u00e9e<\/strong>.<\/p><p>Il permet de constituer une \u00e9pargne pour la retraite tout en b\u00e9n\u00e9ficiant d\u2019avantages fiscaux. Les versements sont <strong>d\u00e9ductibles<\/strong> du revenu imposable, dans les limites fix\u00e9es chaque ann\u00e9e.<\/p><p><img decoding=\"async\" src=\"http:\/\/invexa.ch\/wp-content\/uploads\/2024\/11\/Systeme-de-prevoyance-suisse-e1733911665108.png\" alt=\"Syst\u00e8me de pr\u00e9voyance suisse\" \/><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1402\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1402\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Qui peut cotiser au 3e pilier A ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1402\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-1402\"><p>Toute personne domicili\u00e9e en Suisse et percevant un <strong>revenu soumis \u00e0 l\u2019AVS<\/strong> peut cotiser.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1403\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-1403\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Quel est le montant maximal que je peux verser ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1403\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-1403\"><p>Les <a href=\"http:\/\/invexa.ch\/prevoyance\/montant-maximum-3eme-pilier-a\/\">montants maximaux<\/a> pour 2025 sont les suivants:<\/p><ul><li class=\"\" data-start=\"901\" data-end=\"985\"><p class=\"\" data-start=\"903\" data-end=\"985\"><strong data-start=\"903\" data-end=\"948\">Salari\u00e9s affili\u00e9s \u00e0 une caisse de pension<\/strong> (LPP) : jusqu\u2019\u00e0 <strong data-start=\"965\" data-end=\"978\">7\u2019258 CHF<\/strong> par an<\/p><\/li><li class=\"\" data-start=\"986\" data-end=\"1086\"><p class=\"\" data-start=\"988\" data-end=\"1086\"><strong data-start=\"988\" data-end=\"1019\">Ind\u00e9pendants sans 2e pilier<\/strong> : jusqu\u2019\u00e0 <strong data-start=\"1030\" data-end=\"1051\">20% du revenu net<\/strong>, avec un plafond de <strong data-start=\"1072\" data-end=\"1086\">36\u2019288 CHF<\/strong><\/p><\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1404\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-1404\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Puis-je retirer mon 3e pilier A \u00e0 tout moment ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1404\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-1404\"><p class=\"\" data-start=\"1398\" data-end=\"1504\">Non. Le 3e pilier A est une \u00e9pargne <strong data-start=\"1434\" data-end=\"1442\">li\u00e9e<\/strong>. Les retraits ne sont possibles qu\u2019aux conditions suivantes :<\/p><ul data-start=\"1505\" data-end=\"1722\"><li class=\"\" data-start=\"1505\" data-end=\"1563\"><p class=\"\" data-start=\"1507\" data-end=\"1563\">D\u00e9part \u00e0 la retraite (au plus t\u00f4t 5 ans avant l\u2019\u00e2ge AVS)<\/p><\/li><li class=\"\" data-start=\"1564\" data-end=\"1601\"><p class=\"\" data-start=\"1566\" data-end=\"1601\">Achat de votre r\u00e9sidence principale<\/p><\/li><li class=\"\" data-start=\"1602\" data-end=\"1630\"><p class=\"\" data-start=\"1604\" data-end=\"1630\">D\u00e9part d\u00e9finitif de Suisse<\/p><\/li><li class=\"\" data-start=\"1631\" data-end=\"1662\"><p class=\"\" data-start=\"1633\" data-end=\"1662\">D\u00e9but d\u2019activit\u00e9 ind\u00e9pendante<\/p><\/li><li class=\"\" data-start=\"1663\" data-end=\"1684\"><p class=\"\" data-start=\"1665\" data-end=\"1684\">Invalidit\u00e9 compl\u00e8te<\/p><\/li><li class=\"\" data-start=\"1685\" data-end=\"1722\"><p class=\"\" data-start=\"1687\" data-end=\"1722\">D\u00e9c\u00e8s (versement aux b\u00e9n\u00e9ficiaires)<\/p><\/li><\/ul><p><a class=\"\" href=\"http:\/\/invexa.ch\/prevoyance\/conditions-retrait-3eme-pilier-a\/\" target=\"_new\" rel=\"noopener\" data-start=\"1727\" data-end=\"1831\">En savoir plus sur les conditions de retrait<\/a><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1405\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-1405\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Devrais-je ouvrir mon 3e pilier aupr\u00e8s d\u2019une banque ou d\u2019une assurance ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1405\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-1405\"><p class=\"\" data-start=\"1919\" data-end=\"1947\">Cela d\u00e9pend de vos besoins :<\/p><ul data-start=\"1948\" data-end=\"2200\"><li class=\"\" data-start=\"1948\" data-end=\"2071\"><p class=\"\" data-start=\"1950\" data-end=\"2071\">Le <strong data-start=\"1953\" data-end=\"1975\">pilier 3a bancaire<\/strong> est un produit souple, avec des frais r\u00e9duits et un bon potentiel de rendement via des fonds de placement.<\/p><\/li><li class=\"\" data-start=\"2072\" data-end=\"2200\"><p class=\"\" data-start=\"2074\" data-end=\"2200\">Le <strong data-start=\"2077\" data-end=\"2097\">pilier 3a assur\u00e9<\/strong> int\u00e8gre une couverture de risque (d\u00e9c\u00e8s, invalidit\u00e9), ainsi que la prise en charge du paiement des primes en cas d&rsquo;incapacit\u00e9 de gains, et est par cons\u00e9quent plus co\u00fbteux.<\/p><\/li><\/ul><p>Il faut dans ce cas distinguer entre un <strong>produit conservateur<\/strong> \u00e0 rendement garanti incluant une couverture de risque (3a en assurance) et un produit 100 % <strong>orient\u00e9 performance<\/strong> (3a bancaire).<\/p><p>Dans tous les cas, il faudra d\u00e9finir vos besoins et objectifs d&rsquo;\u00e9pargne de mani\u00e8re individuelle. Un 3a en assurance fait moins de sens pour un jeune de 30 ans sans famille, alors qu&rsquo;il sera indispensable pour un ind\u00e9pendant non affili\u00e9 \u00e0 une caisse de pension.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1406\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-1406\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Est-il possible d\u2019avoir plusieurs comptes 3a ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1406\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-1406\"><p>Oui, il est m\u00eame recommand\u00e9 de r\u00e9partir son \u00e9pargne sur <strong data-start=\"2430\" data-end=\"2454\">plusieurs comptes 3a<\/strong>, surtout \u00e0 l\u2019approche de la retraite. Cela permet d\u2019effectuer des retraits \u00e9chelonn\u00e9s sur plusieurs ann\u00e9es, afin de r\u00e9duire l\u2019impact fiscal.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1407\" class=\"elementor-tab-title\" data-tab=\"7\" role=\"button\" aria-controls=\"elementor-tab-content-1407\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Puis-je modifier le montant que je verse chaque ann\u00e9e ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1407\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"region\" aria-labelledby=\"elementor-tab-title-1407\"><p>En <strong>3a bancaire<\/strong>, vous choisissez le montant que vous souhaitez verser, dans la limite du plafond annuel. Il n\u2019est pas n\u00e9cessaire de cotiser chaque ann\u00e9e.<\/p><p>En <strong>3a en assurance<\/strong>, en revanche, vous devez souvent versez le m\u00eame montant chaque ann\u00e9e (<strong>\u00e9pargne forc\u00e9e<\/strong>).<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1408\" class=\"elementor-tab-title\" data-tab=\"8\" role=\"button\" aria-controls=\"elementor-tab-content-1408\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Jusqu'\u00e0 quand puis-je ajourner le retrait du capital ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1408\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"8\" role=\"region\" aria-labelledby=\"elementor-tab-title-1408\"><p>Vous pouvez ajourner le retrait jusqu\u2019\u00e0<strong> 5 ans<\/strong> apr\u00e8s votre \u00e2ge de r\u00e9f\u00e9rence AVS, \u00e0 condition de continuer une <strong>activit\u00e9 lucrative<\/strong> durant cette p\u00e9riode. Si vous \u00eates retrait\u00e9\u00b7e mais ne travaillez plus du tout, vous ne pouvez pas reporter le retrait.<\/p><p class=\"\" data-start=\"98\" data-end=\"212\">Le capital du 3e pilier A peut donc \u00eatre retir\u00e9 \u00e0:<\/p><ul data-start=\"214\" data-end=\"271\"><li class=\"\" data-start=\"214\" data-end=\"242\"><p class=\"\" data-start=\"216\" data-end=\"242\"><strong data-start=\"216\" data-end=\"242\">70 ans pour les hommes<\/strong><\/p><\/li><li class=\"\" data-start=\"243\" data-end=\"271\"><p class=\"\" data-start=\"245\" data-end=\"271\"><strong data-start=\"245\" data-end=\"271\">69 ans pour les femmes<\/strong><\/p><\/li><\/ul><p>Le report n\u2019est <strong data-start=\"585\" data-end=\"610\">pas automatique<\/strong>: il faut en faire la demande aupr\u00e8s de l\u2019institution bancaire ou d\u2019assurance qui d\u00e9tient le pilier 3a.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1409\" class=\"elementor-tab-title\" data-tab=\"9\" role=\"button\" aria-controls=\"elementor-tab-content-1409\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Quelle est la diff\u00e9rence entre le pilier 3a et le pilier 3b ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1409\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"9\" role=\"region\" aria-labelledby=\"elementor-tab-title-1409\"><p class=\"\" data-start=\"158\" data-end=\"617\">Le pilier 3a est une <strong data-start=\"179\" data-end=\"198\">pr\u00e9voyance li\u00e9e<\/strong>, destin\u00e9e \u00e0 pr\u00e9parer la retraite. Il offre des <strong data-start=\"246\" data-end=\"267\">avantages fiscaux<\/strong> int\u00e9ressants : les montants vers\u00e9s peuvent \u00eatre d\u00e9duits du revenu imposable, dans les limites pr\u00e9vues par la loi. En contrepartie, les conditions de retrait sont strictes.<\/p><p class=\"\" data-start=\"619\" data-end=\"932\">Le <strong><a href=\"http:\/\/invexa.ch\/prevoyance\/pilier-3b-tout-savoir-sur-la-prevoyance-libre\/\">pilier 3b<\/a><\/strong>, en revanche, est une <strong data-start=\"654\" data-end=\"674\">pr\u00e9voyance libre<\/strong>. Il est beaucoup plus flexible: on peut y verser le montant que l\u2019on souhaite, sans limite, et le capital reste disponible \u00e0 tout moment. De nombreux v\u00e9hicules de placement sont possibles (rentes viag\u00e8res, assurance-vie, compte \u00e9pargne, placement en titres, etc.). Le retrait du capital est exon\u00e9r\u00e9 d&rsquo;imp\u00f4t si le <strong>pilier 3b<\/strong> remplit le <strong>caract\u00e8re de pr\u00e9voyance<\/strong>.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Qu\\u2019est-ce que le 3e pilier A ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Le 3e pilier A fait partie du syst\\u00e8me suisse de pr\\u00e9voyance et repr\\u00e9sente la pr\\u00e9voyance <strong data-start=\\\"377\\\" data-end=\\\"398\\\">individuelle li\\u00e9e<\\\/strong>.<\\\/p><p>Il permet de constituer une \\u00e9pargne pour la retraite tout en b\\u00e9n\\u00e9ficiant d\\u2019avantages fiscaux. Les versements sont <strong>d\\u00e9ductibles<\\\/strong> du revenu imposable, dans les limites fix\\u00e9es chaque ann\\u00e9e.<\\\/p><p><img src=\\\"http:\\\/\\\/invexa.ch\\\/wp-content\\\/uploads\\\/2024\\\/11\\\/Systeme-de-prevoyance-suisse-e1733911665108.png\\\" alt=\\\"Syst\\u00e8me de pr\\u00e9voyance suisse\\\" \\\/><\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Qui peut cotiser au 3e pilier A ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Toute personne domicili\\u00e9e en Suisse et percevant un <strong>revenu soumis \\u00e0 l\\u2019AVS<\\\/strong> peut cotiser.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Quel est le montant maximal que je peux verser ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Les <a href=\\\"http:\\\/\\\/invexa.ch\\\/prevoyance\\\/montant-maximum-3eme-pilier-a\\\/\\\">montants maximaux<\\\/a> pour 2025 sont les suivants:<\\\/p><ul><li class=\\\"\\\" data-start=\\\"901\\\" data-end=\\\"985\\\"><p class=\\\"\\\" data-start=\\\"903\\\" data-end=\\\"985\\\"><strong data-start=\\\"903\\\" data-end=\\\"948\\\">Salari\\u00e9s affili\\u00e9s \\u00e0 une caisse de pension<\\\/strong> (LPP) : jusqu\\u2019\\u00e0 <strong data-start=\\\"965\\\" data-end=\\\"978\\\">7\\u2019258 CHF<\\\/strong> par an<\\\/p><\\\/li><li class=\\\"\\\" data-start=\\\"986\\\" data-end=\\\"1086\\\"><p class=\\\"\\\" data-start=\\\"988\\\" data-end=\\\"1086\\\"><strong data-start=\\\"988\\\" data-end=\\\"1019\\\">Ind\\u00e9pendants sans 2e pilier<\\\/strong> : jusqu\\u2019\\u00e0 <strong data-start=\\\"1030\\\" data-end=\\\"1051\\\">20% du revenu net<\\\/strong>, avec un plafond de <strong data-start=\\\"1072\\\" data-end=\\\"1086\\\">36\\u2019288 CHF<\\\/strong><\\\/p><\\\/li><\\\/ul>\"}},{\"@type\":\"Question\",\"name\":\"Puis-je retirer mon 3e pilier A \\u00e0 tout moment ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p class=\\\"\\\" data-start=\\\"1398\\\" data-end=\\\"1504\\\">Non. Le 3e pilier A est une \\u00e9pargne <strong data-start=\\\"1434\\\" data-end=\\\"1442\\\">li\\u00e9e<\\\/strong>. Les retraits ne sont possibles qu\\u2019aux conditions suivantes :<\\\/p><ul data-start=\\\"1505\\\" data-end=\\\"1722\\\"><li class=\\\"\\\" data-start=\\\"1505\\\" data-end=\\\"1563\\\"><p class=\\\"\\\" data-start=\\\"1507\\\" data-end=\\\"1563\\\">D\\u00e9part \\u00e0 la retraite (au plus t\\u00f4t 5 ans avant l\\u2019\\u00e2ge AVS)<\\\/p><\\\/li><li class=\\\"\\\" data-start=\\\"1564\\\" data-end=\\\"1601\\\"><p class=\\\"\\\" data-start=\\\"1566\\\" data-end=\\\"1601\\\">Achat de votre r\\u00e9sidence principale<\\\/p><\\\/li><li class=\\\"\\\" data-start=\\\"1602\\\" data-end=\\\"1630\\\"><p class=\\\"\\\" data-start=\\\"1604\\\" data-end=\\\"1630\\\">D\\u00e9part d\\u00e9finitif de Suisse<\\\/p><\\\/li><li class=\\\"\\\" data-start=\\\"1631\\\" data-end=\\\"1662\\\"><p class=\\\"\\\" data-start=\\\"1633\\\" data-end=\\\"1662\\\">D\\u00e9but d\\u2019activit\\u00e9 ind\\u00e9pendante<\\\/p><\\\/li><li class=\\\"\\\" data-start=\\\"1663\\\" data-end=\\\"1684\\\"><p class=\\\"\\\" data-start=\\\"1665\\\" data-end=\\\"1684\\\">Invalidit\\u00e9 compl\\u00e8te<\\\/p><\\\/li><li class=\\\"\\\" data-start=\\\"1685\\\" data-end=\\\"1722\\\"><p class=\\\"\\\" data-start=\\\"1687\\\" data-end=\\\"1722\\\">D\\u00e9c\\u00e8s (versement aux b\\u00e9n\\u00e9ficiaires)<\\\/p><\\\/li><\\\/ul><p><a class=\\\"\\\" href=\\\"http:\\\/\\\/invexa.ch\\\/prevoyance\\\/conditions-retrait-3eme-pilier-a\\\/\\\" target=\\\"_new\\\" rel=\\\"noopener\\\" data-start=\\\"1727\\\" data-end=\\\"1831\\\">En savoir plus sur les conditions de retrait<\\\/a><\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Devrais-je ouvrir mon 3e pilier aupr\\u00e8s d\\u2019une banque ou d\\u2019une assurance ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p class=\\\"\\\" data-start=\\\"1919\\\" data-end=\\\"1947\\\">Cela d\\u00e9pend de vos besoins :<\\\/p><ul data-start=\\\"1948\\\" data-end=\\\"2200\\\"><li class=\\\"\\\" data-start=\\\"1948\\\" data-end=\\\"2071\\\"><p class=\\\"\\\" data-start=\\\"1950\\\" data-end=\\\"2071\\\">Le <strong data-start=\\\"1953\\\" data-end=\\\"1975\\\">pilier 3a bancaire<\\\/strong> est un produit souple, avec des frais r\\u00e9duits et un bon potentiel de rendement via des fonds de placement.<\\\/p><\\\/li><li class=\\\"\\\" data-start=\\\"2072\\\" data-end=\\\"2200\\\"><p class=\\\"\\\" data-start=\\\"2074\\\" data-end=\\\"2200\\\">Le <strong data-start=\\\"2077\\\" data-end=\\\"2097\\\">pilier 3a assur\\u00e9<\\\/strong> int\\u00e8gre une couverture de risque (d\\u00e9c\\u00e8s, invalidit\\u00e9), ainsi que la prise en charge du paiement des primes en cas d&rsquo;incapacit\\u00e9 de gains, et est par cons\\u00e9quent plus co\\u00fbteux.<\\\/p><\\\/li><\\\/ul><p>Il faut dans ce cas distinguer entre un <strong>produit conservateur<\\\/strong> \\u00e0 rendement garanti incluant une couverture de risque (3a en assurance) et un produit 100 % <strong>orient\\u00e9 performance<\\\/strong> (3a bancaire).<\\\/p><p>Dans tous les cas, il faudra d\\u00e9finir vos besoins et objectifs d&rsquo;\\u00e9pargne de mani\\u00e8re individuelle. Un 3a en assurance fait moins de sens pour un jeune de 30 ans sans famille, alors qu&rsquo;il sera indispensable pour un ind\\u00e9pendant non affili\\u00e9 \\u00e0 une caisse de pension.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Est-il possible d\\u2019avoir plusieurs comptes 3a ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Oui, il est m\\u00eame recommand\\u00e9 de r\\u00e9partir son \\u00e9pargne sur <strong data-start=\\\"2430\\\" data-end=\\\"2454\\\">plusieurs comptes 3a<\\\/strong>, surtout \\u00e0 l\\u2019approche de la retraite. Cela permet d\\u2019effectuer des retraits \\u00e9chelonn\\u00e9s sur plusieurs ann\\u00e9es, afin de r\\u00e9duire l\\u2019impact fiscal.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Puis-je modifier le montant que je verse chaque ann\\u00e9e ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>En <strong>3a bancaire<\\\/strong>, vous choisissez le montant que vous souhaitez verser, dans la limite du plafond annuel. Il n\\u2019est pas n\\u00e9cessaire de cotiser chaque ann\\u00e9e.<\\\/p><p>En <strong>3a en assurance<\\\/strong>, en revanche, vous devez souvent versez le m\\u00eame montant chaque ann\\u00e9e (<strong>\\u00e9pargne forc\\u00e9e<\\\/strong>).<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Jusqu'\\u00e0 quand puis-je ajourner le retrait du capital ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Vous pouvez ajourner le retrait jusqu\\u2019\\u00e0<strong> 5 ans<\\\/strong> apr\\u00e8s votre \\u00e2ge de r\\u00e9f\\u00e9rence AVS, \\u00e0 condition de continuer une <strong>activit\\u00e9 lucrative<\\\/strong> durant cette p\\u00e9riode. Si vous \\u00eates retrait\\u00e9\\u00b7e mais ne travaillez plus du tout, vous ne pouvez pas reporter le retrait.<\\\/p><p class=\\\"\\\" data-start=\\\"98\\\" data-end=\\\"212\\\">Le capital du 3e pilier A peut donc \\u00eatre retir\\u00e9 \\u00e0:<\\\/p><ul data-start=\\\"214\\\" data-end=\\\"271\\\"><li class=\\\"\\\" data-start=\\\"214\\\" data-end=\\\"242\\\"><p class=\\\"\\\" data-start=\\\"216\\\" data-end=\\\"242\\\"><strong data-start=\\\"216\\\" data-end=\\\"242\\\">70 ans pour les hommes<\\\/strong><\\\/p><\\\/li><li class=\\\"\\\" data-start=\\\"243\\\" data-end=\\\"271\\\"><p class=\\\"\\\" data-start=\\\"245\\\" data-end=\\\"271\\\"><strong data-start=\\\"245\\\" data-end=\\\"271\\\">69 ans pour les femmes<\\\/strong><\\\/p><\\\/li><\\\/ul><p>Le report n\\u2019est <strong data-start=\\\"585\\\" data-end=\\\"610\\\">pas automatique<\\\/strong>: il faut en faire la demande aupr\\u00e8s de l\\u2019institution bancaire ou d\\u2019assurance qui d\\u00e9tient le pilier 3a.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Quelle est la diff\\u00e9rence entre le pilier 3a et le pilier 3b ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p class=\\\"\\\" data-start=\\\"158\\\" data-end=\\\"617\\\">Le pilier 3a est une <strong data-start=\\\"179\\\" data-end=\\\"198\\\">pr\\u00e9voyance li\\u00e9e<\\\/strong>, destin\\u00e9e \\u00e0 pr\\u00e9parer la retraite. Il offre des <strong data-start=\\\"246\\\" data-end=\\\"267\\\">avantages fiscaux<\\\/strong> int\\u00e9ressants : les montants vers\\u00e9s peuvent \\u00eatre d\\u00e9duits du revenu imposable, dans les limites pr\\u00e9vues par la loi. En contrepartie, les conditions de retrait sont strictes.<\\\/p><p class=\\\"\\\" data-start=\\\"619\\\" data-end=\\\"932\\\">Le <strong><a href=\\\"http:\\\/\\\/invexa.ch\\\/prevoyance\\\/pilier-3b-tout-savoir-sur-la-prevoyance-libre\\\/\\\">pilier 3b<\\\/a><\\\/strong>, en revanche, est une <strong data-start=\\\"654\\\" data-end=\\\"674\\\">pr\\u00e9voyance libre<\\\/strong>. Il est beaucoup plus flexible: on peut y verser le montant que l\\u2019on souhaite, sans limite, et le capital reste disponible \\u00e0 tout moment. De nombreux v\\u00e9hicules de placement sont possibles (rentes viag\\u00e8res, assurance-vie, compte \\u00e9pargne, placement en titres, etc.). Le retrait du capital est exon\\u00e9r\\u00e9 d&rsquo;imp\\u00f4t si le <strong>pilier 3b<\\\/strong> remplit le <strong>caract\\u00e8re de pr\\u00e9voyance<\\\/strong>.<\\\/p>\"}}]}<\/script>\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\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5a1345b elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"5a1345b\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e4a28d3\" data-id=\"e4a28d3\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c4b179f elementor-widget elementor-widget-heading\" data-id=\"c4b179f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Pourquoi choisir Invexa ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3eb38c1 elementor-widget elementor-widget-text-editor\" data-id=\"3eb38c1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Invexa vous accompagne avec rigueur, \u00e9thique et objectivit\u00e9 pour optimiser votre retraite et vos finances personnelles, sans conflit d\u2019int\u00e9r\u00eats.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-83d3346 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"83d3346\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-3d3c63e\" data-id=\"3d3c63e\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-eff7ce6 elementor-widget__width-initial elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"eff7ce6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"500\" viewBox=\"0 0 375 374.999991\" height=\"500\" preserveAspectRatio=\"xMidYMid meet\"><path stroke-linecap=\"round\" transform=\"matrix(0.157242, 0, 0, -0.157242, -2309.093052, 1821.8394)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 15641.408966 11121.004649 C 15641.408966 11218.088393 15641.408966 11326.5996 15641.408966 11326.5996 C 15641.408966 11343.094893 15654.79897 11356.50974 15671.294264 11356.50974 L 16095.402165 11356.50974 C 16111.996827 11356.50974 16125.312305 11343.094893 16125.312305 11326.5996 C 16125.312305 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transform=\"matrix(0.157242, 0, 0, -0.157242, -2309.093052, 1821.8394)\" fill-opacity=\"1\" fill=\"#ffffff\" fill-rule=\"nonzero\" stroke-linejoin=\"round\" d=\"M 15401.904264 9460.817973 C 15401.904264 9460.817973 15463.488348 9781.06018 15845.389166 9762.527818 C 16227.190615 9744.069982 16452.709097 9808.908409 16738.296283 10073.603212 C 16904.5907 10227.600687 16758.095603 10377.300441 16568.200992 10236.295495 C 16307.207692 10042.69938 16060.896198 10045.705299 15851.500374 10058.200981 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><path stroke-linecap=\"round\" transform=\"matrix(0.157242, 0, 0, -0.157242, -2309.093052, 1821.8394)\" fill-opacity=\"1\" fill=\"#ffffff\" fill-rule=\"nonzero\" stroke-linejoin=\"round\" d=\"M 15463.090871 9946.832909 C 15552.895818 9959.850279 15666.996544 9966.905495 15768.40285 9944.224466 C 15974.594016 9898.042614 16011.609056 10172.003599 15799.107944 10190.511119 C 15586.606832 10208.993797 15254.887478 10313.306653 15100.194419 10070.398554 C 15001.595294 9915.780023 14896.909804 9630.068625 14896.909804 9460.817973 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tConseil ind\u00e9pendant\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tInvexa n'est li\u00e9 \u00e0 aucune banque ou assurance. Nous nous pla\u00e7ons de votre c\u00f4t\u00e9 afin de d\u00e9fendre au mieux vos int\u00e9r\u00eats.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-bc06cc6\" data-id=\"bc06cc6\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9e2530a elementor-widget__width-initial elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"9e2530a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"500\" viewBox=\"0 0 375 374.999991\" height=\"500\" preserveAspectRatio=\"xMidYMid meet\"><path fill=\"#b5e0f8\" d=\"M 294.707031 301.695312 L 34.53125 301.695312 L 34.53125 55.746094 L 294.707031 55.746094 L 294.707031 301.695312 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 286.199219 153.300781 L 232.894531 153.300781 C 232.894531 153.300781 218.347656 178.710938 183.316406 184.371094 L 183.316406 262.851562 C 183.316406 262.851562 245.488281 323.539062 259.546875 323.539062 C 273.621094 323.539062 335.777344 262.851562 335.777344 262.851562 L 335.777344 184.371094 C 296.796875 176.746094 286.199219 153.300781 286.199219 153.300781 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path 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stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><path stroke-linecap=\"round\" transform=\"matrix(0.157242, 0, 0, -0.157242, -3139.770485, 1826.321592)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 20755.90439 10079.10432 L 20678.893232 10168.61116 L 20601.906916 10079.10432 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><path stroke-linecap=\"round\" transform=\"matrix(0.157242, 0, 0, -0.157242, -3139.770485, 1826.321592)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 20368.190471 9842.431641 L 20742.092066 9842.431641 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tApproche orient\u00e9e r\u00e9sultats\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tNous vous aidons \u00e0 prendre des d\u00e9cisions concr\u00e8tes, r\u00e9alistes et coh\u00e9rentes avec votre cadre fiscal, professionnel et familial.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-f271bd3\" data-id=\"f271bd3\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f7b83f1 elementor-widget__width-initial elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"f7b83f1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"500\" viewBox=\"0 0 375 374.999991\" height=\"500\" preserveAspectRatio=\"xMidYMid meet\"><path fill=\"#ffffff\" d=\"M 236.121094 46.660156 L 144.035156 46.660156 C 144.035156 46.660156 118.886719 90.566406 58.34375 100.375 L 58.34375 235.945312 C 58.34375 235.945312 165.777344 340.8125 190.082031 340.8125 C 214.375 340.8125 321.8125 235.945312 321.8125 235.945312 L 321.8125 100.375 C 254.453125 87.160156 236.121094 46.660156 236.121094 46.660156 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path stroke-linecap=\"round\" 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fill-rule=\"nonzero\"><\/path><path stroke-linecap=\"round\" transform=\"matrix(0.15619, 0, 0, -0.15619, -219.97854, 2232.691965)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 2357.371579 12995.78931 L 2551.471418 12835.302432 L 2950.47526 13360.604971 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tConseil expert\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tNos conseillers sont sp\u00e9cialistes dans leur domaine et porteurs de qualifications reconnues en Suisse.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-691a804\" data-id=\"691a804\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-df88a3e elementor-widget__width-initial elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"df88a3e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"500\" viewBox=\"0 0 375 374.999991\" 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-0.157242, -2709.989122, 571.14829)\" fill-opacity=\"1\" fill=\"#ffffff\" fill-rule=\"nonzero\" stroke-linejoin=\"round\" d=\"M 19004.297293 3055.404348 C 18919.113015 3042.908667 18811.69487 3039.60464 18714.909234 3057.78921 C 18502.209383 3097.909539 18476.100116 2887.097704 18675.310593 2852.09489 C 18848.213064 2821.687904 19069.806462 2752.700812 19256.993261 2965.996878 C 19289.710582 3003.310026 19403.811308 3119.696244 19403.811308 3119.696244 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><path fill=\"#b5e0f8\" d=\"M 256.425781 193.957031 C 262.496094 187.730469 266.207031 179.253906 266.207031 169.882812 C 266.207031 150.792969 250.734375 135.304688 231.644531 135.304688 C 220.917969 135.304688 211.34375 140.210938 205.023438 147.867188 C 198.667969 140.210938 189.09375 135.304688 178.371094 135.304688 C 159.28125 135.304688 143.824219 150.792969 143.824219 169.882812 C 143.824219 179.253906 147.769531 188.136719 153.636719 193.988281 C 154.894531 195.246094 158.085938 198.109375 159.5 199.175781 L 206.011719 240.1875 L 252.132812 197.886719 C 253.15625 197.070312 256.441406 193.957031 256.441406 193.957031 L 256.425781 193.957031 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tAccompagnement\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tNotre \u00e9quipe est \u00e0 votre disposition pour vous conseiller et vous accompagner en tout temps, pour les situations simples ou complexes. \t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-62d972c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"62d972c\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0a7c79b\" data-id=\"0a7c79b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-04fc425 elementor-widget elementor-widget-heading\" data-id=\"04fc425\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Choisir le bon 3\u00e8me pilier A<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d9b8aea elementor-widget elementor-widget-text-editor\" data-id=\"d9b8aea\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Le choix du bon 3e pilier A d\u00e9pend de plusieurs crit\u00e8res personnels, notamment votre situation professionnelle, vos objectifs de pr\u00e9voyance, votre tol\u00e9rance au risque et votre besoin de flexibilit\u00e9.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5bfe77e elementor-widget elementor-widget-heading\" data-id=\"5bfe77e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Solutions bancaires pour plus de libert\u00e9<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3498009 elementor-widget elementor-widget-text-editor\" data-id=\"3498009\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Le 3\u00e8me pilier bancaire est souple et donc recommand\u00e9 pour les jeunes. Il existe sous deux formes principales:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f6c428d elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"f6c428d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Le<b> compte de d\u00e9p\u00f4t 3a<\/b>, avec un taux d\u2019int\u00e9r\u00eat fixe, tr\u00e8s faible mais stable. Il n\u2019y a aucun risque, mais aucun rendement significatif non plus.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Le <b>3a en fonds<\/b> de placement, qui permet d\u2019investir votre \u00e9pargne dans des portefeuilles d\u2019actions, obligations ou fonds durables. Cette solution vise une performance \u00e0 long terme, mais comporte une part de risque li\u00e9e aux march\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>\n\t\t\t\t<div class=\"elementor-element elementor-element-8436728 elementor-widget elementor-widget-text-editor\" data-id=\"8436728\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Les solutions bancaires permettent de verser librement vos cotisations, de les adapter chaque ann\u00e9e, et de cl\u00f4turer le compte sans p\u00e9nalit\u00e9. Il convient \u00e9galement de noter que les avoirs du 3a en banque sont garanties en cas de faillite jusqu&rsquo;\u00e0 <strong>CHF 100&rsquo;000<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8a48d0a elementor-widget elementor-widget-heading\" data-id=\"8a48d0a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Solutions en assurance pour plus de s\u00e9curit\u00e9<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-03e4000 elementor-widget elementor-widget-text-editor\" data-id=\"03e4000\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Le 3\u00e8me pilier sous forme d\u2019assurance est souvent plus rigide, car il offre une part de protection dans la plupart des contrats. Plusieurs mod\u00e8les existent:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d5c48ca elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"d5c48ca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">L\u2019<b>assurance mixte (\u00e9pargne + couverture)<\/b> combine une \u00e9pargne \u00e0 long terme avec une couverture d\u00e9c\u00e8s ou invalidit\u00e9. Les prestations sont garanties, mais les frais sont \u00e9lev\u00e9s et les rendements limit\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 aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">L\u2019<b>assurance en fonds<\/b> (100 % placement): l\u2019\u00e9pargne est investie sur les march\u00e9s, avec possibilit\u00e9 d\u2019assurer certains risques. Elle peut ressembler \u00e0 un 3a bancaire en fonds, mais avec un contrat d\u2019assurance.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">L'assurance sans couverture de risque (<b>3a flexible<\/b>): certaines compagnies proposent des contrats purement li\u00e9s \u00e0 l\u2019\u00e9pargne, sans invalidit\u00e9 ni d\u00e9c\u00e8s, proches d\u2019un compte bancaire.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">L\u2019<b>assurance risque pur<\/b>: utilis\u00e9e uniquement pour couvrir le d\u00e9c\u00e8s ou l\u2019invalidit\u00e9, sans partie \u00e9pargne.<\/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-1fac236 elementor-widget elementor-widget-heading\" data-id=\"1fac236\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Quels risques peut-on couvrir dans un 3a en assurance ?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d4d9b50 elementor-widget elementor-widget-text-editor\" data-id=\"d4d9b50\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Le <a href=\"https:\/\/invexa.ch\/prevoyance\/assurance-3eme-pilier-a-quoi-faut-il-faire-attention\/\">3a en assurance<\/a> aide \u00e0 g\u00e9rer les risques li\u00e9s \u00e0 la pr\u00e9voyance efficacement, notamment pour les ind\u00e9pendants ou les familles:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9da299e elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"9da299e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\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\">La <b>rente en cas d'incapacit\u00e9 de gain<\/b> verse une somme mensuelle dans le cas o\u00f9 l'assur\u00e9 ne serait plus en mesure de travailler suite \u00e0 une maladie ou un accident. Elle est fortement recommand\u00e9 pour les ind\u00e9pendants sans LPP.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg 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\">En cas de <b>d\u00e9c\u00e8s<\/b> de l'assur\u00e9, les b\u00e9n\u00e9ficiaires d'une assurance vie re\u00e7oivent un <b>capital <\/b>aidant \u00e0 faire face aux d\u00e9penses survenant suite \u00e0 un tel \u00e9v\u00e8nement.<\/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\">Finalement, les assureurs proposent la <b>lib\u00e9ration des primes<\/b> en cas d'incapacit\u00e9 de gain. Cela signifie que l'assureur \u00e9pargne pour l'assur\u00e9, afin qu'il puisse malgr\u00e9 tout se constituer une \u00e9pargne pour la retraite.<\/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 effectif est garanti \u00e0 100% en cas de faillite (contre 100'000 CHF en banque)<\/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<div class=\"elementor-element elementor-element-71d3644 e-flex e-con-boxed e-con e-parent\" data-id=\"71d3644\" 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-73dd67c e-con-full e-flex e-con e-child\" data-id=\"73dd67c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-e58fd4e e-con-full e-flex e-con e-child\" data-id=\"e58fd4e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-96f89f5 elementor-widget elementor-widget-heading\" data-id=\"96f89f5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">D\u00e9couvrez notre comparatif 2025 du 3\u00e8me pilier A<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e97a3ff elementor-widget elementor-widget-text-editor\" data-id=\"e97a3ff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Comparatif des comptes, palmar\u00e8s des fonds, frais r\u00e9els, limites de cotisation et <strong data-start=\"265\" data-end=\"291\" data-is-only-node=\"\">calculateur de capital<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7f32952 e-con-full e-flex e-con e-child\" data-id=\"7f32952\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3e3fc24 elementor-mobile-align-justify elementor-align-left elementor-widget__width-auto elementor-widget-mobile__width-inherit elementor-widget elementor-widget-button\" data-id=\"3e3fc24\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/invexa.ch\/prevoyance\/comparatif-3eme-pilier\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Vers le comparatif<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-bbbb65f elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"bbbb65f\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-bcc3acd\" data-id=\"bcc3acd\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-f5c2434 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"f5c2434\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-a0dab12\" data-id=\"a0dab12\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4a30985 elementor-widget elementor-widget-heading\" data-id=\"4a30985\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Faites-vous conseiller<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3757bce elementor-widget elementor-widget-text-editor\" data-id=\"3757bce\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Prenez rendez-vous gratuitement avec un de nos expert en pr\u00e9voyance pour un conseil personnalis\u00e9.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d314d35 elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"d314d35\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/meetings-eu1.hubspot.com\/claire-fivaz\/appel-decouverte\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Prendre rendez-vous<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-0c88be9\" data-id=\"0c88be9\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-88f8f97 elementor-hidden-mobile elementor-widget elementor-widget-image\" data-id=\"88f8f97\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;motion_fx_motion_fx_scrolling&quot;:&quot;yes&quot;,&quot;motion_fx_devices&quot;:[&quot;desktop&quot;]}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1600\" height=\"1067\" src=\"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/01\/se-faire-conseiller.jpg\" class=\"attachment-full size-full wp-image-493\" alt=\"Se faire conseiller\" srcset=\"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/01\/se-faire-conseiller.jpg 1600w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/01\/se-faire-conseiller-300x200.jpg 300w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/01\/se-faire-conseiller-1024x683.jpg 1024w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/01\/se-faire-conseiller-768x512.jpg 768w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/01\/se-faire-conseiller-1536x1024.jpg 1536w\" sizes=\"(max-width: 1600px) 100vw, 1600px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Pillar 3a is a strategy.<br \/>\nAt Invexa, we advise you independently, with carefully selected banking and insurance partners.<\/p>","protected":false},"author":1,"featured_media":0,"parent":3081,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"content-type":"","footnotes":""},"class_list":["post-1332","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/pages\/1332","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/comments?post=1332"}],"version-history":[{"count":76,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/pages\/1332\/revisions"}],"predecessor-version":[{"id":8458,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/pages\/1332\/revisions\/8458"}],"up":[{"embeddable":true,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/pages\/3081"}],"wp:attachment":[{"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/media?parent=1332"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}