{"id":628,"date":"2026-02-04T10:25:35","date_gmt":"2026-02-04T10:25:35","guid":{"rendered":"http:\/\/invexa.ch\/?p=628"},"modified":"2026-03-27T06:53:01","modified_gmt":"2026-03-27T06:53:01","slug":"3eme-pilier","status":"publish","type":"post","link":"https:\/\/invexa.ch\/en\/pension\/3rd-pillar\/","title":{"rendered":"3rd pillar"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"628\" class=\"elementor elementor-628\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-338adc8 e-flex e-con-boxed e-con e-parent\" data-id=\"338adc8\" 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-f0b9693 e-con-full e-flex e-con e-child\" data-id=\"f0b9693\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fa4fdf9 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"fa4fdf9\" 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-83e20c3 elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"83e20c3\" 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\">3\u00e8me pilier (3a\/3b): tout savoir sur la pr\u00e9voyance priv\u00e9e<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c1bd419 elementor-widget__width-inherit elementor-widget elementor-widget-theme-post-excerpt\" data-id=\"c1bd419\" 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 3\u00e8me pilier est l'\u00e9pargne retraite priv\u00e9e qui compl\u00e8te l'AVS et la LPP. \nDeux types existent: 3a (d\u00e9ductible fiscalement, bloqu\u00e9) et 3b (flexible, sans avantage fiscal).\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2678e88 elementor-mobile-align-justify elementor-align-left elementor-widget__width-auto elementor-widget-mobile__width-inherit elementor-widget elementor-widget-button\" data-id=\"2678e88\" 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<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\">D\u00e9couvrir le 3\u00e8me pilier<\/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-3034e17 elementor-mobile-align-justify elementor-align-left elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-widget elementor-widget-button\" data-id=\"3034e17\" 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-4f5c7ba e-flex e-con-boxed e-con e-parent\" data-id=\"4f5c7ba\" 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-fb94852 e-con-full e-flex e-con e-child\" data-id=\"fb94852\" 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-4e930d5 posts-slider elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"4e930d5\" 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=\"#ressources\">\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\">Ressources<\/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-865dc5d posts-slider elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"865dc5d\" 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=\"#pilier3avs3b\">\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\">Pilier 3a vs 3b<\/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-dfe9513 posts-slider elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"dfe9513\" 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=\"#pilier3a\">\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\">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-ba4a563 posts-slider elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"ba4a563\" 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=\"#calculateur3a\">\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\">Calculateur 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-2bdae9c posts-slider elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"2bdae9c\" 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=\"#pilier3b\">\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\">Pilier 3b<\/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-e43e9b6 posts-slider elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"e43e9b6\" 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=\"#faq\">\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\">FAQ<\/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-f17daa1 e-flex e-con-boxed e-con e-parent\" data-id=\"f17daa1\" 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-0e86a9a e-con-full e-flex e-con e-child\" data-id=\"0e86a9a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b5d8954 elementor-widget elementor-widget-menu-anchor\" data-id=\"b5d8954\" 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-39d1aac elementor-widget elementor-widget-heading\" data-id=\"39d1aac\" 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\">Qu'est-ce que le 3\u00e8me pilier (pr\u00e9voyance priv\u00e9e) ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f7979ac elementor-widget elementor-widget-text-editor\" data-id=\"f7979ac\" 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 en Suisse est un <strong>syst\u00e8me<\/strong> d\u2019\u00e9pargne retraite volontaire (pr\u00e9voyance priv\u00e9e) con\u00e7u pour compl\u00e9ter les prestations de l\u2019<a href=\"https:\/\/invexa.ch\/prevoyance\/1er-pilier-suisse-tout-savoir-sur-lavs-ai-et-prestations-complementaires\/\">AVS (premier pilier)<\/a> et des <strong><a href=\"https:\/\/invexa.ch\/prevoyance\/2eme-pilier\/\">caisses de pension (deuxi\u00e8me pilier)<\/a><\/strong>. Il se d\u00e9cline en deux formes principales:<\/p><p><strong>1.<\/strong> Le <strong>pilier 3a<\/strong>, r\u00e9serv\u00e9 \u00e0 la retraite, offre des avantages fiscaux en \u00e9change de certaines restrictions de retrait.<\/p><p><strong>2.<\/strong> Le <strong>pilier 3b<\/strong> propose une \u00e9pargne plus flexible, bien qu&rsquo;il n&rsquo;offre pas les m\u00eames incitations fiscales.\u00a0<\/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-1ef199a e-con-full e-flex e-con e-child\" data-id=\"1ef199a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c5e1ede elementor-widget elementor-widget-image\" data-id=\"c5e1ede\" 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=\"450\" src=\"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/11\/Le-3eme-pilier-dans-le-systeme-de-prevoyance-suisse-1024x576.png\" class=\"attachment-large size-large wp-image-7608\" alt=\"Le 3\u00e8me pilier dans le syst\u00e8me de pr\u00e9voyance suisse\" srcset=\"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/11\/Le-3eme-pilier-dans-le-systeme-de-prevoyance-suisse-1024x576.png 1024w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/11\/Le-3eme-pilier-dans-le-systeme-de-prevoyance-suisse-300x169.png 300w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/11\/Le-3eme-pilier-dans-le-systeme-de-prevoyance-suisse-768x432.png 768w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/11\/Le-3eme-pilier-dans-le-systeme-de-prevoyance-suisse-1536x864.png 1536w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/11\/Le-3eme-pilier-dans-le-systeme-de-prevoyance-suisse-18x10.png 18w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/11\/Le-3eme-pilier-dans-le-systeme-de-prevoyance-suisse.png 1920w\" 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<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-77ed8c2 e-flex e-con-boxed e-con e-parent\" data-id=\"77ed8c2\" 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-d89b67f e-con-full e-flex e-con e-child\" data-id=\"d89b67f\" 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-57c3655 elementor-widget elementor-widget-menu-anchor\" data-id=\"57c3655\" 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=\"ressources\"><\/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-7c4864e elementor-widget elementor-widget-heading\" data-id=\"7c4864e\" 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 individuelle<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9e69ca3 elementor-widget elementor-widget-text-editor\" data-id=\"9e69ca3\" 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.<\/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-74f613b posts-slider elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"74f613b\" 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\/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\">En savoir plus sur le 3\u00e8me pilier<\/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-cea5a7f elementor-grid-4 posts-slider elementor-posts--thumbnail-none elementor-grid-tablet-2 elementor-grid-mobile-1 elementor-widget elementor-widget-posts\" data-id=\"cea5a7f\" 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<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\/pension\/3rd-pillar-for-cross-border-commuters\/\">\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\/pension\/3rd-pillar-for-cross-border-commuters\/\" 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-827 post type-post status-publish format-standard has-post-thumbnail hentry category-prevoyance tag-3b tag-3eme-pilier tag-independant\" role=\"listitem\">\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\/pension\/pillar-3b\/\">\n\t\t\t\tPilier 3b: tout savoir sur la pr\u00e9voyance libre (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\/pension\/pillar-3b\/\" aria-label=\"Read more about Pilier 3b: tout savoir sur la pr\u00e9voyance libre (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<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<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\/pension\/3rd-pillar\/\">\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\/pension\/3rd-pillar\/\" 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-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<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\/pension\/pillar-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\/pension\/pillar-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<article class=\"elementor-post elementor-grid-item post-1688 post type-post status-publish format-standard has-post-thumbnail hentry category-prevoyance tag-3a tag-3b tag-3eme-pilier tag-independant\" role=\"listitem\">\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\/pension\/3rd-pillar-comparison\/\">\n\t\t\t\tComparatif 3\u00e8me pilier: quelle est la meilleure solution en 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\/pension\/3rd-pillar-comparison\/\" aria-label=\"Read more about Comparatif 3\u00e8me pilier: quelle est la meilleure solution en 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<article class=\"elementor-post elementor-grid-item post-6827 post type-post status-publish format-standard has-post-thumbnail hentry category-prevoyance tag-2eme-pilier tag-3a tag-3b tag-3eme-pilier tag-lpp tag-rachat\" role=\"listitem\">\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\/pension\/repurchase-lpp-bvg-with-3rd-pillar\/\">\n\t\t\t\tRachat LPP avec un 3\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\/pension\/repurchase-lpp-bvg-with-3rd-pillar\/\" aria-label=\"Read more about Rachat LPP avec un 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-347 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<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\/pension\/3rd-pillar-insurance-or-bank\/\">\n\t\t\t\t3\u00e8me pilier A: Assurance ou banque\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\/pension\/3rd-pillar-insurance-or-bank\/\" aria-label=\"Read more about 3\u00e8me pilier A: Assurance ou banque\" 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-6495 post type-post status-publish format-standard has-post-thumbnail hentry category-prevoyance tag-3eme-pilier tag-divorce\" role=\"listitem\">\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\/pension\/3rd-pillar-in-the-event-of-divorce\/\">\n\t\t\t\t3\u00e8me pilier en cas de divorce: comment se d\u00e9roule le partage ?\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\/pension\/3rd-pillar-in-the-event-of-divorce\/\" aria-label=\"Read more about 3\u00e8me pilier en cas de divorce: comment se d\u00e9roule le partage ?\" 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<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-af6df42 e-flex e-con-boxed e-con e-parent\" data-id=\"af6df42\" 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-d7935de e-con-full e-flex e-con e-child\" data-id=\"d7935de\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-139b77e elementor-widget elementor-widget-menu-anchor\" data-id=\"139b77e\" 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=\"pilier3avs3b\"><\/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-34e60f1 elementor-widget elementor-widget-heading\" data-id=\"34e60f1\" 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\">Pilier 3A vs 3B: Lequel choisir ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-12b5f06 elementor-widget elementor-widget-text-editor\" data-id=\"12b5f06\" 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 pilier 3a est une <strong>\u00e9pargne-retraite volontaire<\/strong> avec <strong>avantages fiscaux<\/strong>, mais l\u2019argent est en grande partie bloqu\u00e9 jusqu\u2019\u00e0 la retraite. Le pilier 3b est une <strong>\u00e9pargne priv\u00e9e<\/strong> plus <strong>flexible<\/strong>, <strong>sans limite<\/strong> ni avantage fiscal sp\u00e9cifique, utilisable \u00e0 tout moment pour divers projets.<\/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-4d3f625 elementor-widget elementor-widget-html\" data-id=\"4d3f625\" 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<head>\n    <style>\n        * {\n\n\n        .comparison-table {\n            width: 100%;\n            background: white !important;\n            border-collapse: collapse;\n            border-spacing: 0;\n        }\n\n        .comparison-table thead,\n        .comparison-table tbody,\n        .comparison-table tr {\n            background: white !important;\n        }\n\n        .comparison-table th {\n            background: white !important;\n            font-weight: 700;\n            padding: 24px 20px;\n            text-align: left;\n            border-bottom: 3px solid #4a4a4a;\n            font-size: 16px;\n        }\n\n        .comparison-table th:first-child {\n            width: 25%;\n        }\n\n        .comparison-table th:not(:first-child) {\n            width: 37.5%;\n        }\n\n        .comparison-table td {\n            padding: 20px;\n            background: white !important;\n            vertical-align: top;\n            font-size: 16px;\n        }\n\n        .comparison-table tbody tr:last-child {\n            border-bottom: none;\n        }\n\n        .comparison-table td:first-child {\n            font-weight: 700;\n            background: white !important;\n        }\n\n        .comparison-table td:not(:first-child) {\n            font-weight: 400;\n        }\n\n        .arrow-list {\n            list-style: none;\n            padding: 0;\n            margin: 0;\n        }\n\n        .arrow-list li {\n            display: flex;\n            align-items: flex-start;\n            margin-bottom: 8px;\n        }\n\n        .arrow-list li:last-child {\n            margin-bottom: 0;\n        }\n\n        .arrow-list i {\n            color: #071659;\n            margin-right: 10px;\n            margin-top: 3px;\n            flex-shrink: 0;\n            font-size: 16px;\n        }\n\n        @media (max-width: 768px) {\n            .table-wrapper {\n                overflow-x: auto;\n                -webkit-overflow-scrolling: touch;\n            }\n            \n            }\n        }\n    <\/style>\n<\/head>\n<body>\n    <div class=\"table-wrapper\">\n        <table class=\"comparison-table\">\n            <thead>\n                <tr>\n                    <th><\/th>\n                    <th>Pilier 3a (li\u00e9)<\/th>\n                    <th>Pilier 3b (libre)<\/th>\n                <\/tr>\n            <\/thead>\n            <tbody>\n                <tr>\n                    <td>But principal<\/td>\n                    <td>Pr\u00e9voyance retraite avec optimisation fiscale<\/td>\n                    <td>\u00c9pargne libre, pr\u00e9voyance souple et compl\u00e9mentaire<\/td>\n                <\/tr>\n                <tr>\n                    <td>Acc\u00e8s<\/td>\n                    <td>Personnes actives affili\u00e9es \u00e0 l'AVS<\/td>\n                    <td>Ouvert \u00e0 tous (salari\u00e9s, ind\u00e9pendants, sans activit\u00e9, retrait\u00e9s, etc.)<\/td>\n                <\/tr>\n                <tr>\n                    <td>Avantage fiscal<\/td>\n                    <td>\n                        D\u00e9ductible du revenu imposable:\n                        <ul class=\"arrow-list\">\n                            <li><i class=\"fas fa-arrow-right\"><\/i><span>Jusqu'\u00e0 CHF 36'288\/an si sans 2e pilier<\/span><\/li>\n                            <li><i class=\"fas fa-arrow-right\"><\/i><span>CHF 7'258\/an si avec 2e pilier<\/span><\/li>\n                        <\/ul>\n                    <\/td>\n                    <td>Non d\u00e9ductible (sauf cas rares selon cantons tels que Gen\u00e8ve et Fribourg)<\/td>\n                <\/tr>\n                <tr>\n                    <td>Plafond de versement<\/td>\n                    <td>Oui: plafonds annuels fix\u00e9s chaque ann\u00e9e<\/td>\n                    <td>Non: montants libres<\/td>\n                <\/tr>\n                <tr>\n                    <td>Condition de retrait<\/td>\n                    <td>Limit\u00e9 \u00e0 certains cas: retraite, achat logement, ind\u00e9pendance, d\u00e9part Suisse...<\/td>\n                    <td>Libre: retrait possible \u00e0 tout moment<\/td>\n                <\/tr>\n                <tr>\n                    <td>\u00c2ge de retrait normal<\/td>\n                    <td>\n            Au plus t\u00f4t \u00e0 60 ans\n                    <\/td>\n                    <td>Aucun \u00e2ge impos\u00e9<\/td>\n                <\/tr>\n                <tr>\n                    <td>Imposition au retrait<\/td>\n                    <td>Oui: imp\u00f4t unique \u00e0 taux r\u00e9duit<\/td>\n                    <td>Exon\u00e9r\u00e9 si but de pr\u00e9voyance<\/td>\n                <\/tr>\n                <tr>\n                    <td>Formes possibles<\/td>\n                    <td>Compte bancaire, fonds, assurance-vie mixte<\/td>\n                    <td>\u00c9pargne classique, placements, assurance vie, rentes, fonds, immobilier, etc.<\/td>\n                <\/tr>\n                <tr>\n                    <td>Souplesse des versements<\/td>\n                    <td>Versements flexibles mais limit\u00e9s par la loi<\/td>\n                    <td>Enti\u00e8re libert\u00e9 (montant, fr\u00e9quence, interruption possible)<\/td>\n                <\/tr>\n                <tr>\n                    <td>Transmission en cas de d\u00e9c\u00e8s<\/td>\n                    <td>B\u00e9n\u00e9ficiaires d\u00e9finis par la loi, ordre strict (conjoint, enfants...)<\/td>\n                    <td>B\u00e9n\u00e9ficiaires libres (selon contrat ou clause b\u00e9n\u00e9ficiaire personnalis\u00e9e)<\/td>\n                <\/tr>\n            <\/tbody>\n        <\/table>\n    <\/div>\n<\/body>\n<\/html>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-677f583 elementor-widget elementor-widget-text-editor\" data-id=\"677f583\" 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 data-start=\"0\" data-end=\"650\">Le <a href=\"https:\/\/invexa.ch\/prevoyance\/difference-entre-le-3eme-pilier-a-et-b\/\">choix entre un pilier 3a et un pilier 3b<\/a> d\u00e9pend avant tout de vos objectifs financiers et de votre situation personnelle. Le pilier 3a est une solution li\u00e9e, principalement con\u00e7ue pour la retraite. Il offre des <strong>avantages fiscaux importants<\/strong> puisque vos cotisations sont d\u00e9ductibles de votre revenu imposable, mais en contrepartie, l\u2019argent y est bloqu\u00e9 jusqu\u2019\u00e0 ce que vous remplissiez certaines conditions (retraite, <a href=\"https:\/\/invexa.ch\/immobilier\/3eme-pilier-achat-immobilier\/\">acquisition d\u2019un logement<\/a>, lancement d\u2019une activit\u00e9 ind\u00e9pendante ou d\u00e9part d\u00e9finitif de Suisse). Cela le rend id\u00e9al si vous souhaitez <a href=\"https:\/\/invexa.ch\/prevoyance\/a-partir-de-quand-planifier-ma-retraite\/\">pr\u00e9parer votre retraite<\/a> de mani\u00e8re disciplin\u00e9e et b\u00e9n\u00e9ficier d\u2019\u00e9conomies d\u2019imp\u00f4ts substantielles.<\/p><p data-start=\"652\" data-end=\"1027\">\u00c0 l\u2019inverse, le pilier 3b est une \u00e9pargne libre qui n\u2019est pas soumise aux m\u00eames restrictions de retrait. Vous pouvez y <strong>d\u00e9poser et retirer des fonds<\/strong> quand vous le souhaitez, ce qui offre une plus grande flexibilit\u00e9 pour financer d\u2019autres projets \u00e0 court ou moyen terme. De plus, il est ouvert \u00e0 tous, contrairement au 3a qui requiert l&rsquo;excercie d&rsquo;une activit\u00e9 lucrative. Cependant, il n\u2019accorde pas les m\u00eames avantages fiscaux que le 3a, sauf dans quelques cantons o\u00f9 des d\u00e9ductions existent.<\/p><p data-start=\"652\" data-end=\"1027\">En pratique, on se tournera d&rsquo;abord vers un pilier 3a, puis vers un pilier 3b si un besoin existe de compl\u00e9ter les prestations du 3a ou l&rsquo;\u00e9pargne. Etant donn\u00e9 que les versements dans certaines formes de 3b b\u00e9n\u00e9ficient de <a href=\"https:\/\/invexa.ch\/fiscalite\/que-peut-on-deduire-des-impots-en-suisse\/\">d\u00e9ductions fiscales<\/a> dans certains cantons (ex: Gen\u00e8ve et Fribourg), ainsi que l&rsquo;exon\u00e9ration d&rsquo;imp\u00f4t sur les prestations en capital lorsque le caract\u00e8re de pr\u00e9voyance est rempli, il peut \u00e9galement \u00eatre consid\u00e9r\u00e9 dans le cadre d&rsquo;une strat\u00e9gie d&rsquo;optimisation fiscale globale.<\/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\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-7108e9b elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"7108e9b\" 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-1afe1f4\" data-id=\"1afe1f4\" 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-722f073 elementor-widget elementor-widget-menu-anchor\" data-id=\"722f073\" 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=\"pilier3a\"><\/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-220d46a elementor-widget elementor-widget-heading\" data-id=\"220d46a\" 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\">Le pilier 3A: pr\u00e9voyance priv\u00e9e<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2a6805a e-con-full e-flex e-con e-parent\" data-id=\"2a6805a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-737fdb9 e-con-full e-flex e-con e-child\" data-id=\"737fdb9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f5d65a0 elementor-widget elementor-widget-heading\" data-id=\"f5d65a0\" 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\">Avantages du pilier 3a<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c5e79a7 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"c5e79a7\" 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\">D\u00e9ductions fiscales sur le revenu imposable<\/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\">R\u00e9duction des imp\u00f4ts f\u00e9d\u00e9raux, cantonaux et communaux<\/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\">Compl\u00e9ment important \u00e0 la retraite (1er et 2e pilier)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Rendement int\u00e9ressant via fonds de placement<\/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\">Imposition r\u00e9duite lors du retrait<\/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>\n\t\t<div class=\"elementor-element elementor-element-138c384 e-con-full e-flex e-con e-child\" data-id=\"138c384\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c69b56a elementor-widget elementor-widget-heading\" data-id=\"c69b56a\" 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\">Inconv\u00e9nients<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6354ea5 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"6354ea5\" 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-far-times-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm0 448c-110.5 0-200-89.5-200-200S145.5 56 256 56s200 89.5 200 200-89.5 200-200 200zm101.8-262.2L295.6 256l62.2 62.2c4.7 4.7 4.7 12.3 0 17l-22.6 22.6c-4.7 4.7-12.3 4.7-17 0L256 295.6l-62.2 62.2c-4.7 4.7-12.3 4.7-17 0l-22.6-22.6c-4.7-4.7-4.7-12.3 0-17l62.2-62.2-62.2-62.2c-4.7-4.7-4.7-12.3 0-17l22.6-22.6c4.7-4.7 12.3-4.7 17 0l62.2 62.2 62.2-62.2c4.7-4.7 12.3-4.7 17 0l22.6 22.6c4.7 4.7 4.7 12.3 0 17z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Argent bloqu\u00e9 jusqu\u2019\u00e0 la retraite (exceptions limit\u00e9es)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-times-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm0 448c-110.5 0-200-89.5-200-200S145.5 56 256 56s200 89.5 200 200-89.5 200-200 200zm101.8-262.2L295.6 256l62.2 62.2c4.7 4.7 4.7 12.3 0 17l-22.6 22.6c-4.7 4.7-12.3 4.7-17 0L256 295.6l-62.2 62.2c-4.7 4.7-12.3 4.7-17 0l-22.6-22.6c-4.7-4.7-4.7-12.3 0-17l62.2-62.2-62.2-62.2c-4.7-4.7-4.7-12.3 0-17l22.6-22.6c4.7-4.7 12.3-4.7 17 0l62.2 62.2 62.2-62.2c4.7-4.7 12.3-4.7 17 0l22.6 22.6c4.7 4.7 4.7 12.3 0 17z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Plafond annuel de cotisation<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-times-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm0 448c-110.5 0-200-89.5-200-200S145.5 56 256 56s200 89.5 200 200-89.5 200-200 200zm101.8-262.2L295.6 256l62.2 62.2c4.7 4.7 4.7 12.3 0 17l-22.6 22.6c-4.7 4.7-12.3 4.7-17 0L256 295.6l-62.2 62.2c-4.7 4.7-12.3 4.7-17 0l-22.6-22.6c-4.7-4.7-4.7-12.3 0-17l62.2-62.2-62.2-62.2c-4.7-4.7-4.7-12.3 0-17l22.6-22.6c4.7-4.7 12.3-4.7 17 0l62.2 62.2 62.2-62.2c4.7-4.7 12.3-4.7 17 0l22.6 22.6c4.7 4.7 4.7 12.3 0 17z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Flexibilit\u00e9 limit\u00e9e<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-times-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm0 448c-110.5 0-200-89.5-200-200S145.5 56 256 56s200 89.5 200 200-89.5 200-200 200zm101.8-262.2L295.6 256l62.2 62.2c4.7 4.7 4.7 12.3 0 17l-22.6 22.6c-4.7 4.7-12.3 4.7-17 0L256 295.6l-62.2 62.2c-4.7 4.7-12.3 4.7-17 0l-22.6-22.6c-4.7-4.7-4.7-12.3 0-17l62.2-62.2-62.2-62.2c-4.7-4.7-4.7-12.3 0-17l22.6-22.6c4.7-4.7 12.3-4.7 17 0l62.2 62.2 62.2-62.2c4.7-4.7 12.3-4.7 17 0l22.6 22.6c4.7 4.7 4.7 12.3 0 17z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Imp\u00f4t \u00e0 payer lors du retrait du capital<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4211611 elementor-widget elementor-widget-text-editor\" data-id=\"4211611\" 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><a href=\"https:\/\/invexa.ch\/prevoyance\/pilier-3a\/\">pilier 3a<\/a><\/strong> offre une solution structur\u00e9e pour compl\u00e9ter les revenus de l\u2019AVS et des caisses de pension, en permettant de constituer une \u00e9pargne avec des conditions avantageuses. Gr\u00e2ce \u00e0 un 3a, vous pouvez:<\/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-a6db110 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"a6db110\" 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\">Retirer l'argent disponible pour acqu\u00e9rir une r\u00e9sidence principale<\/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\">Mettre en gage votre 3a pour l'acquisition d'une r\u00e9sidence principale<\/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\">Se constituer une retraite confortable<\/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\">Effectuer des rachats dans le 2\u00e8me pilier<\/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-918cc2c elementor-blockquote--skin-border elementor-widget elementor-widget-blockquote\" data-id=\"918cc2c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"blockquote.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<blockquote class=\"elementor-blockquote\">\n\t\t\t<p class=\"elementor-blockquote__content\">\n\t\t\t\tIl est possible de souscrire un 3a en banque ou en assurance, avec quelques diff\u00e9rences en termes de flexibilit\u00e9 des versements et couvertures des risques.\t\t\t<\/p>\n\t\t\t\t\t<\/blockquote>\n\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-201a161 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"201a161\" 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-inner-column elementor-element elementor-element-9935d67\" data-id=\"9935d67\" 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-8a7e33e elementor-widget elementor-widget-heading\" data-id=\"8a7e33e\" 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<h4 class=\"elementor-heading-title elementor-size-default\">Quelques chiffres sur la pr\u00e9voyance li\u00e9e<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b4da933 elementor-widget elementor-widget-text-editor\" data-id=\"b4da933\" 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>En 2024, plus de 150 millards de CHF ont \u00e9t\u00e9s vers\u00e9s dans la pr\u00e9voyance li\u00e9e, dont 97 millards en banque et 53 millards en assurance\u00b9.<\/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-317cc01 elementor-widget elementor-widget-text-editor\" data-id=\"317cc01\" 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>\u00b9<a href=\"https:\/\/www.bsv.admin.ch\/fr\/statistique-pp\" target=\"_blank\" rel=\"noopener\">Office f\u00e9d\u00e9ral des assurances sociales. Statistiques<\/a> [en ligne]. Consult\u00e9 le: 10 f\u00e9vrier 2026.<\/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\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-3bf51f4 e-con-full e-flex e-con e-parent\" data-id=\"3bf51f4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-df75223 e-con-full e-flex e-con e-child\" data-id=\"df75223\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2b3aa9e elementor-widget elementor-widget-heading\" data-id=\"2b3aa9e\" 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\">1. Formes possibles<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e949d6d elementor-widget elementor-widget-text-editor\" data-id=\"e949d6d\" 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 A existe sous<a href=\"http:\/\/invexa.ch\/prevoyance\/3eme-pilier-assurance-ou-banque\/\"><strong> deux formes<\/strong><\/a> principales : bancaire et assurantielle.<\/p><p>C\u00f4t\u00e9 <strong>bancaire<\/strong>, il peut s\u2019agir d\u2019un <strong>compte \u00e9pargne<\/strong> classique, s\u00e9curis\u00e9 mais peu r\u00e9mun\u00e9rateur. D\u2019autres optent pour des <strong>fonds de placement<\/strong>, qui offrent un potentiel de rendement plus \u00e9lev\u00e9 mais comportent aussi des risques li\u00e9s aux march\u00e9s. Entre les deux, certaines <strong>solutions hybrides<\/strong> proposent un \u00e9quilibre entre s\u00e9curit\u00e9 et performance, en combinant une part garantie avec une part investie.<\/p><p>Du c\u00f4t\u00e9 des <a href=\"https:\/\/invexa.ch\/prevoyance\/assurance-3eme-pilier-a-quoi-faut-il-faire-attention\/\">assurances, le 3a<\/a> prend souvent la forme de contrats d\u2019<strong><a href=\"https:\/\/invexa.ch\/services\/assurance-vie\/\">assurance-vie<\/a><\/strong>, en <strong><a href=\"http:\/\/invexa.ch\/investissement\/quest-ce-quun-fonds-de-placement\/\">fonds de placement<\/a><\/strong>, <strong><a href=\"http:\/\/invexa.ch\/investissement\/etf-le-guide-complet\/\">ETF<\/a> <\/strong>ou en \u00e9pargne pure. Ces produits permettent d\u2019\u00e9pargner tout en b\u00e9n\u00e9ficiant d\u2019une protection en cas de d\u00e9c\u00e8s ou d\u2019<a href=\"https:\/\/invexa.ch\/prevoyance\/incapacite-de-gain-etes-vous-bien-protege\/\">invalidit\u00e9<\/a>. Selon le contrat, le capital peut \u00eatre <strong>garanti<\/strong> ou soumis \u00e0 la performance des placements.<\/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-7d5113a e-con-full e-flex e-con e-child\" data-id=\"7d5113a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8073ff0 elementor-widget elementor-widget-image\" data-id=\"8073ff0\" 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 decoding=\"async\" width=\"800\" height=\"450\" src=\"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/04\/3eme-pilier-en-banque-vs-assurance-1024x576.png\" class=\"attachment-large size-large wp-image-4154\" alt=\"3eme pilier en banque vs assurance\" srcset=\"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/04\/3eme-pilier-en-banque-vs-assurance-1024x576.png 1024w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/04\/3eme-pilier-en-banque-vs-assurance-300x169.png 300w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/04\/3eme-pilier-en-banque-vs-assurance-768x432.png 768w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/04\/3eme-pilier-en-banque-vs-assurance-18x10.png 18w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/04\/3eme-pilier-en-banque-vs-assurance.png 1440w\" 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<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-378b0f3 elementor-widget elementor-widget-html\" data-id=\"378b0f3\" 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<div class=\"table-wrapper\">\n    <table class=\"comparison-table\">\n        <thead>\n            <tr>\n                <th>Crit\u00e8res<\/th>\n                <th>3A assurance<\/th>\n                <th>3A banque<\/th>\n            <\/tr>\n        <\/thead>\n        <tbody>\n            <tr>\n                <td>Fr\u00e9quence des versements<\/td>\n                <td>D\u00e9termin\u00e9e \u00e0 l'avance<\/td>\n                <td>Flexible<\/td>\n            <\/tr>\n            <tr>\n                <td>Type de placement<\/td>\n                <td>\n                    <ul class=\"arrow-list\">\n                        <li><i class=\"fas fa-arrow-right\"><\/i><span>Classique (\u00e9pargne simple)<\/span><\/li>\n                        <li><i class=\"fas fa-arrow-right\"><\/i><span>Mixte (\u00e9pargne\/risque)<\/span><\/li>\n                        <li><i class=\"fas fa-arrow-right\"><\/i><span>jusqu'\u00e0 100% fonds<\/span><\/li>\n                    <\/ul>\n                <\/td>\n                <td>\n                    <ul class=\"arrow-list\">\n                        <li><i class=\"fas fa-arrow-right\"><\/i><span>Classique (\u00e9pargne simple)<\/span><\/li>\n                        <li><i class=\"fas fa-arrow-right\"><\/i><span>jusqu'\u00e0 100% fonds<\/span><\/li>\n                    <\/ul>\n                <\/td>\n            <\/tr>\n            <tr>\n                <td>Exc\u00e9dents<\/td>\n                <td>Participation aux exc\u00e9dents<\/td>\n                <td>Aucune participation aux exc\u00e9dents<\/td>\n            <\/tr>\n            <tr>\n                <td>Couverture possible<\/td>\n                <td>\n                    <ul class=\"arrow-list\">\n                        <li><i class=\"fas fa-arrow-right\"><\/i><span>Cas d\u00e9c\u00e8s<\/span><\/li>\n                        <li><i class=\"fas fa-arrow-right\"><\/i><span>Cas invalidit\u00e9<\/span><\/li>\n                    <\/ul>\n                <\/td>\n                <td>Aucune<\/td>\n            <\/tr>\n            <tr>\n                <td>Garantie en cas de faillite<\/td>\n                <td>Montant garanti \u00e0 100%<\/td>\n                <td>Montant garanti jusqu'\u00e0 CHF 100'000<\/td>\n            <\/tr>\n            <tr>\n                <td>Lib\u00e9ration des primes en cas d'incapacit\u00e9 de gain<\/td>\n                <td>Possible<\/td>\n                <td>Aucune<\/td>\n            <\/tr>\n            <tr>\n                <td>Horizon de placement<\/td>\n                <td>Long-terme uniquement<\/td>\n                <td>Moyen \u00e0 court-terme<\/td>\n            <\/tr>\n            <tr>\n                <td>Part de capital garanti<\/td>\n                <td>Possible<\/td>\n                <td>Aucun<\/td>\n            <\/tr>\n            <tr>\n                <td>Mise en gage<\/td>\n                <td>Possible<\/td>\n                <td>Possible<\/td>\n            <\/tr>\n            <tr>\n                <td>Avantages principaux<\/td>\n                <td>\n                    <ul class=\"arrow-list\">\n                        <li><i class=\"fas fa-arrow-right\"><\/i><span>Couverture d'assurance<\/span><\/li>\n                        <li><i class=\"fas fa-arrow-right\"><\/i><span>Participation aux exc\u00e9dents<\/span><\/li>\n                        <li><i class=\"fas fa-arrow-right\"><\/i><span>Garantie des montants<\/span><\/li>\n                        <li><i class=\"fas fa-arrow-right\"><\/i><span>Plus de s\u00e9curit\u00e9<\/span><\/li>\n                    <\/ul>\n                <\/td>\n                <td>\n                    <ul class=\"arrow-list\">\n                        <li><i class=\"fas fa-arrow-right\"><\/i><span>Valeur de rachat sup\u00e9rieure<\/span><\/li>\n                        <li><i class=\"fas fa-arrow-right\"><\/i><span>Meilleur rendement financier apr\u00e8s d\u00e9duction des frais<\/span><\/li>\n                        <li><i class=\"fas fa-arrow-right\"><\/i><span>Flexibilit\u00e9 des versements<\/span><\/li>\n                    <\/ul>\n                <\/td>\n            <\/tr>\n        <\/tbody>\n    <\/table>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2e66dd7 elementor-widget elementor-widget-heading\" data-id=\"2e66dd7\" 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\">2. Quels sont les conditions pour ouvrir un 3A ?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-85b2dba elementor-widget elementor-widget-text-editor\" data-id=\"85b2dba\" 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>Vous pouvez <a href=\"https:\/\/invexa.ch\/services\/expert-pilier-3a\/\">souscrire un pilier 3a<\/a> dans les cas suivants:<\/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-16d57fa elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"16d57fa\" 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\">Vous excercez une activit\u00e9 lucrative et recevez un <b>revenu soumis \u00e0 l'AVS<\/b> (ind\u00e9pendant ou employ\u00e9)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Vous <b>travaillez en Suisse<\/b> tout en \u00e9tant domicili\u00e9 \u00e0 l\u2019\u00e9tranger (ex. : frontalier)<\/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\">Vous touchez une indemnit\u00e9 journali\u00e8re de l\u2019<b>assurance-ch\u00f4mage suisse<\/b><\/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\">Vous percevez une indemnit\u00e9 journali\u00e8re de l\u2019<b>assurance-invalidit\u00e9<\/b> soumise \u00e0 l\u2019AVS<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Vous \u00eates <b>partiellement invalide<\/b> avec un revenu soumis \u00e0 l\u2019AVS<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Vous avez atteint l\u2019\u00e2ge de la retraite mais <b>continuez \u00e0 travailler<\/b> (jusqu\u2019\u00e0 5 ans apr\u00e8s 65 ans)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg 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\">Vous avez temporairement <b>cess\u00e9 de travailler<\/b> (service civil, maladie, ch\u00f4mage, etc.)<\/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-2fca109 e-con-full e-flex e-con e-parent\" data-id=\"2fca109\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-81e7e3f e-con-full e-flex e-con e-child\" data-id=\"81e7e3f\" 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-4dc0d84 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"4dc0d84\" 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\">Obtenez votre comparatif personnalis\u00e9<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ce84491 elementor-widget elementor-widget-text-editor\" data-id=\"ce84491\" 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>Remplissez notre formulaire de demande d&rsquo;offre pour le 3\u00e8me pilier et un de nos experts en pr\u00e9voyance vous recontactera rapidement avec une analyse personnalis\u00e9e sans engagement.<\/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-8fc80ae elementor-mobile-align-justify elementor-widget__width-initial elementor-align-right elementor-widget-mobile__width-inherit elementor-widget elementor-widget-button\" data-id=\"8fc80ae\" 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<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\">Obtenir un devis<\/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<div class=\"elementor-element elementor-element-5a42e30 elementor-widget elementor-widget-heading\" data-id=\"5a42e30\" 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\">3. Avantages fiscaux du pilier 3a<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-12d4493 elementor-widget elementor-widget-text-editor\" data-id=\"12d4493\" 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 incitations fiscales constituent l\u2019un des principaux attraits du pilier 3a. Voici quelques-uns des avantages fiscaux associ\u00e9s \u00e0 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-bcc86f6 elementor-widget elementor-widget-heading\" data-id=\"bcc86f6\" 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<h4 class=\"elementor-heading-title elementor-size-default\">D\u00e9duction des cotisations<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b1d1335 elementor-widget elementor-widget-text-editor\" data-id=\"b1d1335\" 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 <strong>montants maximums<\/strong> que vous versez dans un pilier 3a sont enti\u00e8rement d\u00e9ductibles de votre revenu imposable jusqu&rsquo;\u00e0 <strong>CHF 7&rsquo;258 \/ an<\/strong> (limite 2026), tandis qu&rsquo;une personne non affili\u00e9e \u00e0 une caisse de pension (ex: ind\u00e9pendants) peut verser jusqu&rsquo;\u00e0 20% de son revenu, plafonn\u00e9 \u00e0 <strong>CHF 36&rsquo;288<\/strong>.<\/p><p>Cela se traduit par une r\u00e9duction imm\u00e9diate de votre base imposable, et all\u00e8ge votre facture fiscale chaque ann\u00e9e. En revanche, seuls les <a href=\"https:\/\/invexa.ch\/prevoyance\/3eme-pilier-pour-frontalier\/\">frontaliers<\/a> quasi-r\u00e9sidents peuvent d\u00e9duire les cotisations dans le pilier 3a. S&rsquo;ils ne disposent pas de ce statut, ce produit ne sera pas int\u00e9ressant pour eux et ils auront meilleur temps de ce tourner vers d&rsquo;autres solutions.<\/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-72fccea elementor-widget elementor-widget-heading\" data-id=\"72fccea\" 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<h4 class=\"elementor-heading-title elementor-size-default\">Imposition avantageuse lors du retrait<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-67ab47d elementor-widget elementor-widget-text-editor\" data-id=\"67ab47d\" 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>Lors d&rsquo;un retrait, qu&rsquo;il ai lieu \u00e0 la retraite ou lors de l&rsquo;achat d&rsquo;une r\u00e9sidence principale, le montant retir\u00e9 est soumis \u00e0 l&rsquo;<strong>imp\u00f4t sur les prestations en capital<\/strong>. Il est donc impos\u00e9 s\u00e9parement du revenu, \u00e0 un taux r\u00e9duit (environ 1\/5 de l&rsquo;imp\u00f4t).<\/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-53bda5d elementor-widget elementor-widget-heading\" data-id=\"53bda5d\" 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<h4 class=\"elementor-heading-title elementor-size-default\">Exon\u00e9ration de l'imp\u00f4t sur la fortune<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bc1a1f2 elementor-widget elementor-widget-text-editor\" data-id=\"bc1a1f2\" 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>Durant la dur\u00e9e du contrat de votre pilier 3a, la valeur de rachat n&rsquo;est pas soumise \u00e0 l&rsquo;<a href=\"https:\/\/invexa.ch\/prevoyance\/impot-sur-la-fortune\/\">imp\u00f4t sur la fortune<\/a>, ce qui constitue un r\u00e9el avantage compar\u00e8 \u00e0 un pilier 3b.<\/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-91206c9 elementor-widget elementor-widget-heading\" data-id=\"91206c9\" 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<h4 class=\"elementor-heading-title elementor-size-default\">Rachats dans le 3a<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8d481a6 elementor-widget elementor-widget-text-editor\" data-id=\"8d481a6\" 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>\u00c0 partir de 2026 et pour l&rsquo;ann\u00e9e fiscale 2025, il sera possible de <a href=\"https:\/\/invexa.ch\/prevoyance\/rachat-3eme-pilier-a\/\">racheter les cotisations non vers\u00e9es<\/a>. Cette nouveaut\u00e9 offre un levier int\u00e9ressant d&rsquo;optimisation fiscale et de planification de retraite pour les personnes actives en Suisse.<\/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-48aa881 elementor-widget elementor-widget-heading\" data-id=\"48aa881\" 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\">4. Quels sont les autres avantages du pilier 3a ?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-652f207 elementor-widget elementor-widget-text-editor\" data-id=\"652f207\" 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>Un 3\u00e8me pilier A vous permet \u00e9galement de retirer ou de mettre en gage une partie de votre \u00e9pargne afin de financer l&rsquo;<strong>acquisition de votre r\u00e9sidence principale<\/strong>, ce qui facilite l&rsquo;acc\u00e8s \u00e0 la propri\u00e9t\u00e9. De plus, en alimentant r\u00e9guli\u00e8rement ce compte, vous vous constituez un <strong>compl\u00e9ment de revenu<\/strong> essentiel pour assurer une retraite confortable et maintenir votre niveau de vie apr\u00e8s la fin de votre activit\u00e9 professionnelle.<\/p><p>Enfin, le pilier 3a offre la possibilit\u00e9 d&rsquo;effectuer des <a href=\"https:\/\/invexa.ch\/prevoyance\/rachat-2eme-pilier-comment-ca-marche\/\"><strong>rachats dans le 2\u00e8me pilier<\/strong><\/a>, ce qui peut venir combler des lacunes dans votre pr\u00e9voyance professionnelle et optimiser ainsi votre couverture financi\u00e8re globale.\u00a0<\/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-011395d elementor-widget elementor-widget-menu-anchor\" data-id=\"011395d\" 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=\"calculateur3a\"><\/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-3f48fc2 elementor-widget elementor-widget-heading\" data-id=\"3f48fc2\" 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-232dd19 elementor-widget elementor-widget-text-editor\" data-id=\"232dd19\" 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-5c31a2f elementor-widget elementor-widget-html\" data-id=\"5c31a2f\" 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<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-2f53930 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"2f53930\" 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-inner-column elementor-element elementor-element-bbc1f92\" data-id=\"bbc1f92\" 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-0c92f77 elementor-widget elementor-widget-heading\" data-id=\"0c92f77\" 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<h4 class=\"elementor-heading-title elementor-size-default\">Pourquoi faire appel \u00e0 Invexa pour votre 3\u00e8me pilier ?<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c51fbf2 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"c51fbf2\" 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\">Nous proposons une <b>large gamme de produits 3a<\/b> en banque et en assurance, tri\u00e9s sur le volet.<\/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\">Nous faisons partie des rares interm\u00e9diaires qui expliquent clairement les<b> co\u00fbts r\u00e9els<\/b>, sans jargon ni pi\u00e8ges.<\/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\">Nous nous concentrons sur la <b>performance des fonds<\/b>, la <b>transparence <\/b>et la <b>pertinence <\/b>pour votre situation, pas sur pousser un produit.<\/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-7e4bae5 elementor-mobile-align-justify elementor-widget-mobile__width-inherit elementor-widget elementor-widget-button\" data-id=\"7e4bae5\" 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<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\">Planifier 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\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<div class=\"elementor-element elementor-element-ca55786 e-flex e-con-boxed e-con e-parent\" data-id=\"ca55786\" 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-3a7b2e0 e-con-full e-flex e-con e-child\" data-id=\"3a7b2e0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-32fc536 elementor-widget elementor-widget-menu-anchor\" data-id=\"32fc536\" 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=\"pilier3b\"><\/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-681c34b elementor-widget elementor-widget-heading\" data-id=\"681c34b\" 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\">Le pilier 3b: pr\u00e9voyance libre<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fa4a157 e-con-full e-flex e-con e-child\" data-id=\"fa4a157\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-1f6bae3 e-con-full e-flex e-con e-child\" data-id=\"1f6bae3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-892f91b e-con-full e-flex e-con e-child\" data-id=\"892f91b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-859ffac elementor-widget elementor-widget-heading\" data-id=\"859ffac\" 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\">Avantages du pilier 3a<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5c82a5c elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"5c82a5c\" 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\">Grande flexibilit\u00e9 (aucune limite de versement)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Capital disponible \u00e0 tout moment<\/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\">Accessible \u00e0 tous (y compris personnes sans activit\u00e9 lucrative)<\/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\">Large choix de solutions d\u2019\u00e9pargne et d\u2019investissement<\/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\">Bon compl\u00e9ment au pilier 3a<\/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>\n\t\t<div class=\"elementor-element elementor-element-387c09d e-con-full e-flex e-con e-child\" data-id=\"387c09d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3917938 elementor-widget elementor-widget-heading\" data-id=\"3917938\" 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\">Inconv\u00e9nients<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6a1e7c9 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"6a1e7c9\" 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-far-times-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm0 448c-110.5 0-200-89.5-200-200S145.5 56 256 56s200 89.5 200 200-89.5 200-200 200zm101.8-262.2L295.6 256l62.2 62.2c4.7 4.7 4.7 12.3 0 17l-22.6 22.6c-4.7 4.7-12.3 4.7-17 0L256 295.6l-62.2 62.2c-4.7 4.7-12.3 4.7-17 0l-22.6-22.6c-4.7-4.7-4.7-12.3 0-17l62.2-62.2-62.2-62.2c-4.7-4.7-4.7-12.3 0-17l22.6-22.6c4.7-4.7 12.3-4.7 17 0l62.2 62.2 62.2-62.2c4.7-4.7 12.3-4.7 17 0l22.6 22.6c4.7 4.7 4.7 12.3 0 17z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Pas de d\u00e9duction fiscale g\u00e9n\u00e9rale sur les versements (sauf Gen\u00e8ve et Fribourg)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-times-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm0 448c-110.5 0-200-89.5-200-200S145.5 56 256 56s200 89.5 200 200-89.5 200-200 200zm101.8-262.2L295.6 256l62.2 62.2c4.7 4.7 4.7 12.3 0 17l-22.6 22.6c-4.7 4.7-12.3 4.7-17 0L256 295.6l-62.2 62.2c-4.7 4.7-12.3 4.7-17 0l-22.6-22.6c-4.7-4.7-4.7-12.3 0-17l62.2-62.2-62.2-62.2c-4.7-4.7-4.7-12.3 0-17l22.6-22.6c4.7-4.7 12.3-4.7 17 0l62.2 62.2 62.2-62.2c4.7-4.7 12.3-4.7 17 0l22.6 22.6c4.7 4.7 4.7 12.3 0 17z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Soumis \u00e0 l\u2019imp\u00f4t sur la fortune et les revenus<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-times-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm0 448c-110.5 0-200-89.5-200-200S145.5 56 256 56s200 89.5 200 200-89.5 200-200 200zm101.8-262.2L295.6 256l62.2 62.2c4.7 4.7 4.7 12.3 0 17l-22.6 22.6c-4.7 4.7-12.3 4.7-17 0L256 295.6l-62.2 62.2c-4.7 4.7-12.3 4.7-17 0l-22.6-22.6c-4.7-4.7-4.7-12.3 0-17l62.2-62.2-62.2-62.2c-4.7-4.7-4.7-12.3 0-17l22.6-22.6c4.7-4.7 12.3-4.7 17 0l62.2 62.2 62.2-62.2c4.7-4.7 12.3-4.7 17 0l22.6 22.6c4.7 4.7 4.7 12.3 0 17z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Avantages fiscaux limit\u00e9s par rapport au pilier 3a<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-times-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm0 448c-110.5 0-200-89.5-200-200S145.5 56 256 56s200 89.5 200 200-89.5 200-200 200zm101.8-262.2L295.6 256l62.2 62.2c4.7 4.7 4.7 12.3 0 17l-22.6 22.6c-4.7 4.7-12.3 4.7-17 0L256 295.6l-62.2 62.2c-4.7 4.7-12.3 4.7-17 0l-22.6-22.6c-4.7-4.7-4.7-12.3 0-17l62.2-62.2-62.2-62.2c-4.7-4.7-4.7-12.3 0-17l22.6-22.6c4.7-4.7 12.3-4.7 17 0l62.2 62.2 62.2-62.2c4.7-4.7 12.3-4.7 17 0l22.6 22.6c4.7 4.7 4.7 12.3 0 17z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Rendement d\u00e9pend du type de placement<\/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>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-290d2ed elementor-widget elementor-widget-text-editor\" data-id=\"290d2ed\" 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><a href=\"http:\/\/pilier 3b\" data-wplink-url-error=\"true\">pilier 3b<\/a><\/strong> est une forme d\u2019<strong>\u00e9pargne individuelle libre<\/strong>, offrant une grande flexibilit\u00e9 par rapport au pilier 3a. Contrairement \u00e0 ce dernier, les versements dans un pilier 3b ne sont <strong>pas plafonn\u00e9s<\/strong> annuellement et ne b\u00e9n\u00e9ficient pas des m\u00eames avantages fiscaux car ils ne sont g\u00e9n\u00e9ralement pas d\u00e9ductibles du revenu imposable, sauf dans certains cantons.<\/p><p>Cela signifie que, bien qu&rsquo;il n&rsquo;offre pas de d\u00e9ductions fiscales aussi attractives (sauf si conditions remplies), le pilier 3b vous permet d\u2019\u00e9pargner et de retirer votre capital quand vous le souhaitez. Il constitue ainsi une solution compl\u00e9mentaire, id\u00e9ale pour diversifier votre strat\u00e9gie d\u2019\u00e9pargne et financer des projets personnels.<\/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-21327b1 elementor-widget elementor-widget-heading\" data-id=\"21327b1\" 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\">1. Avantages fiscaux<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-65ba5ea elementor-widget elementor-widget-heading\" data-id=\"65ba5ea\" 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<h4 class=\"elementor-heading-title elementor-size-default\">Exon\u00e9ration de l'imp\u00f4t lors du retrait<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c5c7b3d elementor-widget elementor-widget-text-editor\" data-id=\"c5c7b3d\" 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 retrait de votre capital du pilier 3b peut \u00eatre enti\u00e8rement <strong>exon\u00e9r\u00e9<\/strong> d&rsquo;imp\u00f4ts si le contrat rev\u00eat le caract\u00e8re de pr\u00e9voyance, c&rsquo;est-\u00e0-dire, si les conditions suivantes sont remplies:<\/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-acd7c3a elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"acd7c3a\" 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\">La dur\u00e9e doit \u00eatre au minimum 5 ans (classique) ou 10 ans (li\u00e9 \u00e0 des fonds).<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg 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 contrat doit \u00eatre conclu avant l'\u00e2ge de 66 ans.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg 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 versement a lieu apr\u00e8s 60 ans.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ecdfe93 elementor-widget elementor-widget-text-editor\" data-id=\"ecdfe93\" 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>Cela dit, les contrats de pr\u00e9voyance libre sont soumis \u00e0 l&rsquo;<a href=\"https:\/\/invexa.ch\/fiscalite\/impot-sur-la-fortune\/\">imp\u00f4t sur la fortune<\/a> durant toute leur dur\u00e9e. A Gen\u00e8ve par exemple, une franchise est appliqu\u00e9e: vous \u00eates imposable sur la fortune si cette derni\u00e8re est sup\u00e9rieure \u00e0 <strong>87&rsquo;632 CHF <\/strong>(uniquement la part sup\u00e9rieure sera impos\u00e9e)<strong>.<\/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-def1838 elementor-widget elementor-widget-heading\" data-id=\"def1838\" 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<h4 class=\"elementor-heading-title elementor-size-default\">D\u00e9duction des versements annuels<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-902d6ff elementor-widget elementor-widget-text-editor\" data-id=\"902d6ff\" 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 cantons d\u00e9finissent les montants des versements annuels d\u00e9ductibles. Dans certains cantons, un pilier 3b n&rsquo;est pas d\u00e9ductible du tout, alors que dans le <strong>canton de Gen\u00e8ve<\/strong>, il est possible de d\u00e9duire jusqu&rsquo;\u00e0:<\/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-10fac0a elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"10fac0a\" 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\"><strong>CHF 2\u2019345<\/strong> pour une personne c\u00e9libataire<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>CHF 3\u2019518<\/strong> pour un couple mari\u00e9<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b85f111 elementor-widget elementor-widget-text-editor\" data-id=\"b85f111\" 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>Dans le <strong>canton de Fribourg<\/strong>, les d\u00e9ductions disponibles sont les suivantes:<\/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-0f3ef2e elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"0f3ef2e\" 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\"><strong>CHF 750<\/strong> pour une personne c\u00e9libataire<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>CHF 1'500<\/strong> pour un couple mari\u00e9<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ce07b18 elementor-widget elementor-widget-heading\" data-id=\"ce07b18\" 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\">2. Inconv\u00e9nients du pilier 3b<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5c03c30 elementor-widget elementor-widget-text-editor\" data-id=\"5c03c30\" 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>Bien que le pilier 3b offre une grande flexibilit\u00e9 en permettant de verser et de retirer des fonds \u00e0 tout moment, son grand inconv\u00e9nient est que, contrairement au pilier 3A, les versements ne sont <strong>pas d\u00e9ductibles<\/strong> du revenu imposable dans la plupart des cantons, ce qui signifie que vous ne b\u00e9n\u00e9ficiez pas d\u2019\u00e9conomies d\u2019imp\u00f4ts directes sur vos cotisations.<\/p><p>De plus, le pilier 3b est soumis \u00e0 l&rsquo;<strong>imp\u00f4t sur la fortune<\/strong> durant toute la dur\u00e9e du contrat.<\/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\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-495cdf0 elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"495cdf0\" 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-7a3cb9c\" data-id=\"7a3cb9c\" 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<div class=\"elementor-element elementor-element-abdc1aa e-con-full e-flex e-con e-parent\" data-id=\"abdc1aa\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-d5b444d e-con-full e-flex e-con e-child\" data-id=\"d5b444d\" 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-fabe9a8 elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-widget elementor-widget-heading\" data-id=\"fabe9a8\" 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\">Obtenez votre comparatif personnalis\u00e9<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cb84343 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"cb84343\" 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>Remplissez notre formulaire de demande d&rsquo;offre pour le 3\u00e8me pilier et un de nos experts en pr\u00e9voyance vous recontactera rapidement avec une analyse personnalis\u00e9e sans engagement.<\/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-1747d91 elementor-mobile-align-justify elementor-widget__width-initial elementor-align-right elementor-widget-mobile__width-inherit elementor-widget elementor-widget-button\" data-id=\"1747d91\" 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<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\">Obtenir un devis<\/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<div class=\"elementor-element elementor-element-1273d05 elementor-widget elementor-widget-heading\" data-id=\"1273d05\" 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 nos revues du 3\u00e8me pilier<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aae12dc elementor-widget elementor-widget-text-editor\" data-id=\"aae12dc\" 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>Vous h\u00e9sitez entre plusieurs prestataires ? Nous vous aidons \u00e0 <a href=\"https:\/\/invexa.ch\/offre-3eme-pilier\/\">choisir la solution 3a<\/a> la plus adapt\u00e9e.<\/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-cab20ca posts-slider elementor-posts--thumbnail-none elementor-grid-3 elementor-grid-tablet-2 elementor-grid-mobile-1 elementor-widget elementor-widget-posts\" data-id=\"cab20ca\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;classic_row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:8,&quot;sizes&quot;:[]},&quot;classic_row_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:7,&quot;sizes&quot;:[]},&quot;classic_columns&quot;:&quot;3&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-7560 post type-post status-publish format-standard has-post-thumbnail hentry category-prevoyance tag-3eme-pilier tag-revue\" role=\"listitem\">\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/invexa.ch\/en\/pension\/3rd-pillar-postfinance-analysis-3a-account-and-funds\/\">\n\t\t\t\t3\u00e8me pilier PostFinance 2026: analyse du compte 3a et des fonds de pr\u00e9voyance\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t<div class=\"elementor-post__meta-data\">\n\t\t\t\t\t<span class=\"elementor-post-date\">\n\t\t\tFebruary 3, 2026\t\t<\/span>\n\t\t\t\t<\/div>\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<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/invexa.ch\/en\/pension\/3rd-pillar-axa\/\">\n\t\t\t\t3\u00e8me pilier AXA 2026: analyse des solutions SmartFlex (3a\/3b)\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t<div class=\"elementor-post__meta-data\">\n\t\t\t\t\t<span class=\"elementor-post-date\">\n\t\t\tJanuary 15, 2026\t\t<\/span>\n\t\t\t\t<\/div>\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-7242 post type-post status-publish format-standard has-post-thumbnail hentry category-prevoyance tag-revue\" role=\"listitem\">\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/invexa.ch\/en\/pension\/3rd-descartes-pillar-product-evaluation-and-comparison\/\">\n\t\t\t\t3\u00e8me pilier Descartes: \u00e9valuation et comparaison des produits\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t<div class=\"elementor-post__meta-data\">\n\t\t\t\t\t<span class=\"elementor-post-date\">\n\t\t\tJanuary 7, 2026\t\t<\/span>\n\t\t\t\t<\/div>\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-6810 post type-post status-publish format-standard has-post-thumbnail hentry category-prevoyance tag-3a tag-3b tag-3eme-pilier tag-revue\" role=\"listitem\">\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/invexa.ch\/en\/pension\/3rd-pillar-generali\/\">\n\t\t\t\t3\u00e8me pilier Generali: Comparatif complet des solutions 3a\/3b en 2026\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t<div class=\"elementor-post__meta-data\">\n\t\t\t\t\t<span class=\"elementor-post-date\">\n\t\t\tDecember 29, 2025\t\t<\/span>\n\t\t\t\t<\/div>\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-6204 post type-post status-publish format-standard has-post-thumbnail hentry category-prevoyance tag-3a tag-3eme-pilier tag-revue\" role=\"listitem\">\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/invexa.ch\/en\/pension\/3rd-pillar-bcv-review-advantages-limitations\/\">\n\t\t\t\t3\u00e8me pilier BCV: avis, avantages et limites \u00e0 conna\u00eetre en 2026\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t<div class=\"elementor-post__meta-data\">\n\t\t\t\t\t<span class=\"elementor-post-date\">\n\t\t\tNovember 13, 2025\t\t<\/span>\n\t\t\t\t<\/div>\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-5746 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<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/invexa.ch\/en\/pension\/ubs-3rd-pillar\/\">\n\t\t\t\t3\u00e8me pilier UBS: analyse des solutions Vitainvest et Fisca 3a\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t<div class=\"elementor-post__meta-data\">\n\t\t\t\t\t<span class=\"elementor-post-date\">\n\t\t\tNovember 6, 2025\t\t<\/span>\n\t\t\t\t<\/div>\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<div class=\"elementor-element elementor-element-086ddbd elementor-widget elementor-widget-heading\" data-id=\"086ddbd\" 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\">Quel 3\u00e8me pilier pour quel profil ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0d15c35 elementor-widget elementor-widget-text-editor\" data-id=\"0d15c35\" 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>En g\u00e9n\u00e9ral, on commence par <strong>maximiser le 3a<\/strong>. Une fois le plafond atteint, on peut ajouter un 3b (fonds, assurance vie, etc.). Le choix d\u00e9pend surtout de l\u2019horizon et du risque. Plus l\u2019<strong>horizon est long<\/strong>, plus on peut investir en actions. Plus on approche du retrait, plus on r\u00e9duit le risque, surtout d\u00e8s dix ans avant l\u2019\u00e9ch\u00e9ance.<\/p><p>Il n&rsquo;y a pas de <a href=\"https:\/\/invexa.ch\/prevoyance\/meilleur-3eme-pilier-suisse\/\">meilleur 3\u00e8me pilier<\/a> universel, mais de mani\u00e8re g\u00e9n\u00e9ral, les sc\u00e9narios suivants sont conseill\u00e9s:<\/p><p>Un <strong>jeune<\/strong> peut viser un 3a fortement investi en <strong>actions<\/strong>. Une famille avec une hypoth\u00e8que privil\u00e9giera un <strong>3a en assurance<\/strong> avec une <strong>couverture d\u00e9c\u00e8s<\/strong> adapt\u00e9e. Un <a href=\"https:\/\/invexa.ch\/prevoyance-independant\/\">ind\u00e9pendant<\/a> sans LPP maximise d\u2019abord son 3a, puis compl\u00e8te avec un 3b. Les hauts revenus optimisent l\u2019imp\u00f4t en r\u00e9partissant l\u2019\u00e9pargne sur plusieurs comptes 3a. Les profils tr\u00e8s prudents choisissent des solutions garanties, mais uniquement s\u2019ils gardent le contrat jusqu\u2019au bout.<\/p><p>Les assurances 3a\/3b sont faites pour le <strong>long terme<\/strong>: les frais sont pr\u00e9lev\u00e9s au d\u00e9but, ce qui p\u00e9nalise les retraits anticip\u00e9s les premi\u00e8res ann\u00e9es. Si l\u2019argent doit potentiellement \u00eatre utilis\u00e9 dans les prochaines ann\u00e9es, il vaut mieux \u00e9viter les produits assurantiels et r\u00e9duire l\u2019exposition aux actions.<\/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-5f4f643 elementor-widget elementor-widget-heading\" data-id=\"5f4f643\" 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\">Comment mettre en place une strat\u00e9gie de pr\u00e9voyance individuelle efficace ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e3ee8a0 elementor-widget elementor-widget-text-editor\" data-id=\"e3ee8a0\" 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>La mise en place d\u2019une strat\u00e9gie de pr\u00e9voyance individuelle efficace repose sur une analyse pr\u00e9cise de votre situation financi\u00e8re, professionnelle et fiscale. Selon vos objectifs, le pilier 3a peut constituer une solution avantageuse sur le plan fiscal pour <a href=\"https:\/\/invexa.ch\/services\/consultant-planification-retraite\/\">pr\u00e9parer la retraite<\/a>, tandis que le <a href=\"https:\/\/invexa.ch\/services\/pilier-3b-optimiser-epargne\/\">pilier 3b<\/a> offre davantage de flexibilit\u00e9 et de libert\u00e9 d\u2019investissement. Dans tous les cas, une \u00e9valuation personnalis\u00e9e est indispensable pour d\u00e9finir la strat\u00e9gie la plus adapt\u00e9e.<\/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\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-1ebc74b e-flex e-con-boxed e-con e-parent\" data-id=\"1ebc74b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3303d0f elementor-widget elementor-widget-menu-anchor\" data-id=\"3303d0f\" 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=\"faq\"><\/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-58643bf elementor-widget elementor-widget-heading\" data-id=\"58643bf\" 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<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d276f4a elementor-widget elementor-widget-toggle\" data-id=\"d276f4a\" 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-2201\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-2201\" 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\">Comment mettre fin \u00e0 son contrat de 3\u00e8me pilier?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2201\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-2201\"><p><strong>Mettre fin \u00e0 un 3a:<\/strong><\/p><ul><li>La r\u00e9siliation doit \u00eatre demand\u00e9e par \u00e9crit (en cas de transfert)<\/li><li>Vous devez avoir 60 ans<\/li><li>Vous percevez une rente d&rsquo;invalidit\u00e9 compl\u00e8te<\/li><li>Vous effectuer un retrait pour l&rsquo;achat d&rsquo;une r\u00e9sidence principale et retirez l&rsquo;enti\u00e8ret\u00e9 du capital<\/li><li>Vous (le preneur d&rsquo;assurance) d\u00e9c\u00e9dez<\/li><li>Autrement, vous pouvez transf\u00e9rer le capital vers une autre institution de pr\u00e9voyance<\/li><\/ul><p><strong>Mettre fin \u00e0 un 3b:<\/strong><\/p><ul><li>Les conditions de r\u00e9siliation sont fix\u00e9es dans le contrat<\/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-2202\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-2202\" 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 montant maximum puis-je verser dans mon 3\u00e8me pilier A ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2202\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-2202\"><ul><li>Le <strong>montant maximum<\/strong> du pilier 3a en 2026 est de <strong>7\u2019258 CHF<\/strong> pour les personnes affili\u00e9es \u00e0 une caisse de pension (LPP).<\/li><li>Pour les ind\u00e9pendants sans 2\u00e8me pilier, le plafond est de <strong>20% du revenu<\/strong>, jusqu\u2019\u00e0 <strong>36&rsquo;288 CHF<\/strong>.<\/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-2203\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-2203\" 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 type de 3\u00e8me pilier choisir ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2203\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-2203\"><p>Il existe une multitude d&rsquo;option pour le 3\u00e8me pilier, en <strong>banque<\/strong> ou en <strong>assurance<\/strong>. La plupart des produits peuvent \u00eatre souscrit dans la pr\u00e9voyance li\u00e9e et dans la pr\u00e9voyance libre.<\/p><p>En assurance, un 3\u00e8me pilier est souvent constitu\u00e9 sous la forme d&rsquo;une <a href=\"http:\/\/invexa.ch\/prevoyance\/types-dassurances-vie\/\">assurance vie<\/a>\u00a0ou assurance perte de gain, tandis qu&rsquo;en banque, un 3a ou 3b correspond la plupart du temps \u00e0 un <strong>compte \u00e9pargne<\/strong> classique ou li\u00e9 \u00e0 des fonds.<\/p><p><a href=\"https:\/\/invexa.ch\/prevoyance\/comparatif-3eme-pilier\/\">Comparer les 3\u00e8me piliers<\/a> vous permettra de choisir la solution la plus adapt\u00e9 \u00e0 votre profil et objectifs.<\/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-2204\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-2204\" 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 souscrire un pilier 3a ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2204\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-2204\"><p>Les personnes actives en Suisse \u2013 que vous soyez salari\u00e9 ou travailleur ind\u00e9pendant \u2013 qui g\u00e9n\u00e8rent un <strong>revenu soumis \u00e0 l\u2019AVS<\/strong> peuvent souscrire un pilier 3a. Le 3a est notamment ouvert aux frontaliers.<\/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-2205\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-2205\" 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\">Peut-on transf\u00e9rer son 3\u00e8me pilier d\u2019un \u00e9tablissement \u00e0 un autre ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2205\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-2205\"><p>Oui, il est possible de <strong>transf\u00e9rer<\/strong> votre 3\u00e8me pilier, que ce soit d\u2019une banque vers une autre ou d\u2019une compagnie d\u2019assurance vers une autre solution de pr\u00e9voyance 3A.\u00a0<\/p><p>Pour le pilier 3b, les modalit\u00e9s de transfert d\u00e9pendent \u00e9galement du <strong>contrat<\/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-2206\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-2206\" 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\">Comment d\u00e9clarer son 3\u00e8me pilier ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2206\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-2206\"><ul><li data-start=\"63\" data-end=\"299\"><p data-start=\"65\" data-end=\"299\"><strong data-start=\"65\" data-end=\"84\">Pilier 3a (li\u00e9)<\/strong> : il est toujours d\u00e9ductible dans toute la Suisse, jusqu\u2019au plafond annuel l\u00e9gal. Il suffit de reporter le montant indiqu\u00e9 sur l\u2019attestation de votre banque ou assurance dans la rubrique \u00ab pr\u00e9voyance li\u00e9e (3a) \u00bb.<\/p><\/li><li data-start=\"301\" data-end=\"658\"><p data-start=\"303\" data-end=\"658\"><strong data-start=\"303\" data-end=\"324\">Pilier 3b (libre)<\/strong> : en principe, il n\u2019est pas d\u00e9ductible au niveau f\u00e9d\u00e9ral. Mais certains cantons accordent une d\u00e9duction limit\u00e9e pour certaines primes d\u2019assurance vie. Les r\u00e8gles varient selon le canton et la situation familiale.<\/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-2207\" class=\"elementor-tab-title\" data-tab=\"7\" role=\"button\" aria-controls=\"elementor-tab-content-2207\" 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\">\u00c0 quel \u00e2ge commencer un 3\u00e8me pilier ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2207\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"region\" aria-labelledby=\"elementor-tab-title-2207\"><p>Le plus t\u00f4t possible. Plus vous commencez jeune, plus vous profitez des int\u00e9r\u00eats compos\u00e9s et de l\u2019effet fiscal. Vous payez <strong>moins d\u2019imp\u00f4ts en versant le maximum<\/strong> autoris\u00e9 qu\u2019en ne versant rien. Plus votre taux marginal d\u2019imposition est \u00e9lev\u00e9, plus la d\u00e9duction est int\u00e9ressante.<\/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-2208\" class=\"elementor-tab-title\" data-tab=\"8\" role=\"button\" aria-controls=\"elementor-tab-content-2208\" 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\">3a en banque ou en assurance ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2208\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"8\" role=\"region\" aria-labelledby=\"elementor-tab-title-2208\"><ul><li><strong>En banque:<\/strong> plus flexible, pas de rendement garanti.<\/li><li><strong>En assurance:<\/strong> prestations en cas de d\u00e9c\u00e8s\/invalidit\u00e9, \u00e9pargne garantie, mais moins flexible et frais plus \u00e9lev\u00e9s sur le court-terme<\/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-2209\" class=\"elementor-tab-title\" data-tab=\"9\" role=\"button\" aria-controls=\"elementor-tab-content-2209\" 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 ouvrir plusieurs 3\u00e8me piliers ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2209\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"9\" role=\"region\" aria-labelledby=\"elementor-tab-title-2209\"><p><strong>Oui<\/strong>. Vous pouvez ouvrir <strong>autant de comptes 3a que vous le souhaitez<\/strong>. C\u2019est m\u00eame strat\u00e9giquement intelligent lors du retrait car cela permet d\u2019\u00e9taler l\u2019imposition.<\/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\":\"Comment mettre fin \\u00e0 son contrat de 3\\u00e8me pilier?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p><strong>Mettre fin \\u00e0 un 3a:<\\\/strong><\\\/p><ul><li>La r\\u00e9siliation doit \\u00eatre demand\\u00e9e par \\u00e9crit (en cas de transfert)<\\\/li><li>Vous devez avoir 60 ans<\\\/li><li>Vous percevez une rente d&rsquo;invalidit\\u00e9 compl\\u00e8te<\\\/li><li>Vous effectuer un retrait pour l&rsquo;achat d&rsquo;une r\\u00e9sidence principale et retirez l&rsquo;enti\\u00e8ret\\u00e9 du capital<\\\/li><li>Vous (le preneur d&rsquo;assurance) d\\u00e9c\\u00e9dez<\\\/li><li>Autrement, vous pouvez transf\\u00e9rer le capital vers une autre institution de pr\\u00e9voyance<\\\/li><\\\/ul><p><strong>Mettre fin \\u00e0 un 3b:<\\\/strong><\\\/p><ul><li>Les conditions de r\\u00e9siliation sont fix\\u00e9es dans le contrat<\\\/li><\\\/ul>\"}},{\"@type\":\"Question\",\"name\":\"Quel montant maximum puis-je verser dans mon 3\\u00e8me pilier A ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<ul><li>Le <strong>montant maximum<\\\/strong> du pilier 3a en 2026 est de <strong>7\\u2019258 CHF<\\\/strong> pour les personnes affili\\u00e9es \\u00e0 une caisse de pension (LPP).<\\\/li><li>Pour les ind\\u00e9pendants sans 2\\u00e8me pilier, le plafond est de <strong>20% du revenu<\\\/strong>, jusqu\\u2019\\u00e0 <strong>36&rsquo;288 CHF<\\\/strong>.<\\\/li><\\\/ul>\"}},{\"@type\":\"Question\",\"name\":\"Quel type de 3\\u00e8me pilier choisir ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Il existe une multitude d&rsquo;option pour le 3\\u00e8me pilier, en <strong>banque<\\\/strong> ou en <strong>assurance<\\\/strong>. La plupart des produits peuvent \\u00eatre souscrit dans la pr\\u00e9voyance li\\u00e9e et dans la pr\\u00e9voyance libre.<\\\/p><p>En assurance, un 3\\u00e8me pilier est souvent constitu\\u00e9 sous la forme d&rsquo;une <a href=\\\"http:\\\/\\\/invexa.ch\\\/prevoyance\\\/types-dassurances-vie\\\/\\\">assurance vie<\\\/a>\\u00a0ou assurance perte de gain, tandis qu&rsquo;en banque, un 3a ou 3b correspond la plupart du temps \\u00e0 un <strong>compte \\u00e9pargne<\\\/strong> classique ou li\\u00e9 \\u00e0 des fonds.<\\\/p><p><a href=\\\"https:\\\/\\\/invexa.ch\\\/prevoyance\\\/comparatif-3eme-pilier\\\/\\\">Comparer les 3\\u00e8me piliers<\\\/a> vous permettra de choisir la solution la plus adapt\\u00e9 \\u00e0 votre profil et objectifs.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Qui peut souscrire un pilier 3a ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Les personnes actives en Suisse \\u2013 que vous soyez salari\\u00e9 ou travailleur ind\\u00e9pendant \\u2013 qui g\\u00e9n\\u00e8rent un <strong>revenu soumis \\u00e0 l\\u2019AVS<\\\/strong> peuvent souscrire un pilier 3a. Le 3a est notamment ouvert aux frontaliers.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Peut-on transf\\u00e9rer son 3\\u00e8me pilier d\\u2019un \\u00e9tablissement \\u00e0 un autre ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Oui, il est possible de <strong>transf\\u00e9rer<\\\/strong> votre 3\\u00e8me pilier, que ce soit d\\u2019une banque vers une autre ou d\\u2019une compagnie d\\u2019assurance vers une autre solution de pr\\u00e9voyance 3A.\\u00a0<\\\/p><p>Pour le pilier 3b, les modalit\\u00e9s de transfert d\\u00e9pendent \\u00e9galement du <strong>contrat<\\\/strong>.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Comment d\\u00e9clarer son 3\\u00e8me pilier ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<ul><li data-start=\\\"63\\\" data-end=\\\"299\\\"><p data-start=\\\"65\\\" data-end=\\\"299\\\"><strong data-start=\\\"65\\\" data-end=\\\"84\\\">Pilier 3a (li\\u00e9)<\\\/strong> : il est toujours d\\u00e9ductible dans toute la Suisse, jusqu\\u2019au plafond annuel l\\u00e9gal. Il suffit de reporter le montant indiqu\\u00e9 sur l\\u2019attestation de votre banque ou assurance dans la rubrique \\u00ab pr\\u00e9voyance li\\u00e9e (3a) \\u00bb.<\\\/p><\\\/li><li data-start=\\\"301\\\" data-end=\\\"658\\\"><p data-start=\\\"303\\\" data-end=\\\"658\\\"><strong data-start=\\\"303\\\" data-end=\\\"324\\\">Pilier 3b (libre)<\\\/strong> : en principe, il n\\u2019est pas d\\u00e9ductible au niveau f\\u00e9d\\u00e9ral. Mais certains cantons accordent une d\\u00e9duction limit\\u00e9e pour certaines primes d\\u2019assurance vie. Les r\\u00e8gles varient selon le canton et la situation familiale.<\\\/p><\\\/li><\\\/ul>\"}},{\"@type\":\"Question\",\"name\":\"\\u00c0 quel \\u00e2ge commencer un 3\\u00e8me pilier ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Le plus t\\u00f4t possible. Plus vous commencez jeune, plus vous profitez des int\\u00e9r\\u00eats compos\\u00e9s et de l\\u2019effet fiscal. Vous payez <strong>moins d\\u2019imp\\u00f4ts en versant le maximum<\\\/strong> autoris\\u00e9 qu\\u2019en ne versant rien. Plus votre taux marginal d\\u2019imposition est \\u00e9lev\\u00e9, plus la d\\u00e9duction est int\\u00e9ressante.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"3a en banque ou en assurance ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<ul><li><strong>En banque:<\\\/strong> plus flexible, pas de rendement garanti.<\\\/li><li><strong>En assurance:<\\\/strong> prestations en cas de d\\u00e9c\\u00e8s\\\/invalidit\\u00e9, \\u00e9pargne garantie, mais moins flexible et frais plus \\u00e9lev\\u00e9s sur le court-terme<\\\/li><\\\/ul>\"}},{\"@type\":\"Question\",\"name\":\"Puis-je ouvrir plusieurs 3\\u00e8me piliers ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p><strong>Oui<\\\/strong>. Vous pouvez ouvrir <strong>autant de comptes 3a que vous le souhaitez<\\\/strong>. C\\u2019est m\\u00eame strat\\u00e9giquement intelligent lors du retrait car cela permet d\\u2019\\u00e9taler l\\u2019imposition.<\\\/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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2fda61a e-flex e-con-boxed e-con e-parent\" data-id=\"2fda61a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9ebbb3f elementor-author-box--layout-image-left elementor-author-box--image-valign-top elementor-hidden-mobile elementor-author-box--avatar-yes elementor-author-box--name-yes elementor-author-box--biography-yes elementor-widget elementor-widget-author-box\" data-id=\"9ebbb3f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"author-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-author-box\">\n\t\t\t\t\t\t\t<a href=\"http:\/\/www.linkedin.com\/in\/claire-fivaz\" target=\"_blank\" class=\"elementor-author-box__avatar\" rel=\"noopener\">\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/secure.gravatar.com\/avatar\/86b1a3e2986f8bed1e9ed06ad27b6c42258dc5d1faa83e3e9e370cbb747e6cc6?s=300&#038;d=blank&#038;r=g\" alt=\"Picture of Claire Fivaz\" loading=\"lazy\">\n\t\t\t\t<\/a>\n\t\t\t\n\t\t\t<div class=\"elementor-author-box__text\">\n\t\t\t\t\t\t\t\t\t<a href=\"http:\/\/www.linkedin.com\/in\/claire-fivaz\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<h4 class=\"elementor-author-box__name\">\n\t\t\t\t\t\t\tClaire Fivaz\t\t\t\t\t\t<\/h4>\n\t\t\t\t\t<\/a>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-author-box__bio\">\n\t\t\t\t\t\tClaire Fivaz est conseill\u00e8re certifi\u00e9e IAF en assurance, pr\u00e9voyance et gestion de patrimoine \r\n(<a href=\"https:\/\/www.finma.ch\/fr\/autorisation\/intermediation-dassurance\/registersuche\/F01518014\" target=\"_blank\" rel=\"noopener noreferrer\">\r\nN\u00b0 FINMA: F01518014\r\n<\/a>), et \u00e9galement dipl\u00f4m\u00e9e d'un Bachelor en International Business Management de la HEG Gen\u00e8ve. \r\nForte de plusieurs ann\u00e9es d'exp\u00e9rience en pr\u00e9voyance individuelle et professionnelle en Suisse, \r\nelle accompagne ses clients dans la planification de leur retraite et la gestion de leur patrimoine financier.\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\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\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7adc409 elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"7adc409\" 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-2d2c92d\" data-id=\"2d2c92d\" 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-8b74c0c elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"8b74c0c\" 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-156104e\" data-id=\"156104e\" 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-2e53a7b elementor-widget elementor-widget-menu-anchor\" data-id=\"2e53a7b\" 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-a3636f7 elementor-widget elementor-widget-heading\" data-id=\"a3636f7\" 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-dc0cd8f elementor-widget elementor-widget-text-editor\" data-id=\"dc0cd8f\" 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-f7f2682 elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"f7f2682\" 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-a2734c3\" data-id=\"a2734c3\" 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-9a34a80 elementor-hidden-mobile elementor-widget elementor-widget-image\" data-id=\"9a34a80\" 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 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>The 3rd pillar is a private retirement savings scheme that supplements the AVS and LPP.<br \/>\nDeux types existent: 3a (d\u00e9ductible fiscalement, bloqu\u00e9) et 3b (flexible, sans avantage fiscal).<\/p>","protected":false},"author":1,"featured_media":1106,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"content-type":"","footnotes":""},"categories":[30],"tags":[36,40,39,62,47],"class_list":["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"],"_links":{"self":[{"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/posts\/628","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/types\/post"}],"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=628"}],"version-history":[{"count":166,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/posts\/628\/revisions"}],"predecessor-version":[{"id":9148,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/posts\/628\/revisions\/9148"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/media\/1106"}],"wp:attachment":[{"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/media?parent=628"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/categories?post=628"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/tags?post=628"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}