{"id":8131,"date":"2026-02-26T06:42:19","date_gmt":"2026-02-26T06:42:19","guid":{"rendered":"https:\/\/invexa.ch\/?p=8131"},"modified":"2026-03-03T06:40:14","modified_gmt":"2026-03-03T06:40:14","slug":"comparatif-compte-de-libre-passage","status":"publish","type":"post","link":"https:\/\/invexa.ch\/en\/pension\/comparison-of-vested-benefits-accounts\/","title":{"rendered":"Vested benefits account: Interest and fund comparison"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"8131\" class=\"elementor elementor-8131\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7120fe7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7120fe7\" 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-67007ca\" data-id=\"67007ca\" 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-3c432e0 e-flex e-con-boxed e-con e-parent\" data-id=\"3c432e0\" 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\t\t<div class=\"elementor-element elementor-element-61e40d1 elementor-widget elementor-widget-heading\" data-id=\"61e40d1\" 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\">Le libre passage en bref<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2808f50 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"2808f50\" 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\">En 2026, les meilleurs comptes de libre passage sont <strong>Hypo Vorarlberg et la Caisse d\u2019\u00c9pargne d\u2019Aubonne (0.50%)<\/strong>.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg 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\">Pour l\u2019investissement en fonds, <strong>Tellco et Viac<\/strong> offrent les frais les plus comp\u00e9titifs.<\/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\">Les solutions de libre passage peuvent prendre la forme d'un <strong>compte r\u00e9mun\u00e9r\u00e9, d'une police, ou d'un placement en fonds<\/strong>.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg 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 capital de libre passage reste <strong>bloqu\u00e9 jusqu'\u00e0 la retraite<\/strong> ou le d\u00e9but d'un nouvel emploi (sauf conditions).<\/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\">Il est possible de souscrire une solution en <strong>fonds pour un meilleur rendement potentiel<\/strong>, mais en acceptant une part de risque.<\/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\">Il n'existe <strong>pas de taux minimal<\/strong> pour les comptes du libre passage, chaque prestataire est libre d'appliquer le taux de son choix.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ca6f2a elementor-widget elementor-widget-heading\" data-id=\"2ca6f2a\" 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\">Comparatif des int\u00e9r\u00eats des comptes de libre passage<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8970e40 elementor-widget elementor-widget-text-editor\" data-id=\"8970e40\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Le <a href=\"https:\/\/invexa.ch\/prevoyance\/compte-de-libre-passage-ce-que-vous-devez-savoir\/\">compte de libre passage<\/a> est une solution de pr\u00e9voyance professionnelle destin\u00e9e \u00e0 conserver les avoirs du <a href=\"https:\/\/invexa.ch\/prevoyance\/2eme-pilier\/\">2\u00e8me pilier<\/a> lors d&rsquo;une <strong>interruption de l&rsquo;activit\u00e9 professionnelle d\u00e9pendante<\/strong>, qu&rsquo;il s&rsquo;agisse d&rsquo;un ch\u00f4mage, d&rsquo;un d\u00e9part \u00e0 l&rsquo;\u00e9tranger, d&rsquo;une formation, d&rsquo;une p\u00e9riode sans employeur ou encore d&rsquo;un passage \u00e0 une activit\u00e9 ind\u00e9pendante. Les fonds sont plac\u00e9s sur un <strong>compte d&rsquo;\u00e9pargne bloqu\u00e9<\/strong>, r\u00e9mun\u00e9r\u00e9 \u00e0 un taux d\u00e9fini par l&rsquo;\u00e9tablissement.<\/p><p>Ce type de compte ne vise pas \u00e0 maximiser le rendement, mais \u00e0 <strong>pr\u00e9server le capital<\/strong> accumul\u00e9 dans la pr\u00e9voyance professionnelle dans un cadre s\u00e9curis\u00e9 et r\u00e9glement\u00e9, notamment en cas de pr\u00e9vision de retrait \u00e0 <strong>court-terme<\/strong>. Il permet \u00e9galement, sous certaines conditions, un <a href=\"https:\/\/invexa.ch\/prevoyance\/conditions-retrait-2eme-pilier-suisse\/\">retrait anticip\u00e9<\/a>, notamment pour l&rsquo;acquisition d&rsquo;un logement principal, le financement d&rsquo;une activit\u00e9 ind\u00e9pendante ou un d\u00e9part d\u00e9finitif de Suisse.<\/p><p>Les <strong>conditions<\/strong> varient sensiblement d&rsquo;un \u00e9tablissement \u00e0 l&rsquo;autre, en particulier le taux d&rsquo;int\u00e9r\u00eat, les frais de gestion et la qualit\u00e9 des services en ligne. Le tableau ci-dessous permet de comparer les offres disponibles pour 2026.<\/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-208d5e3 elementor-widget elementor-widget-html\" data-id=\"208d5e3\" 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<!DOCTYPE html>\n<html lang=\"fr\">\n<head>\n    <meta charset=\"UTF-8\">\n    <meta name=\"viewport\" content=\"width=device-width, initial-scale=1.0\">\n    <title>Compte de libre passage - Comparatif 2026<\/title>\n    <link href=\"https:\/\/fonts.googleapis.com\/css2?family=Manrope:wght@300;400;500;600;700;800&display=swap\" rel=\"stylesheet\">\n    <style>\n        :root {\n            --navy: #071659;\n            --navy-mid: #0d2280;\n            --blue: #B5E0F8;\n            --blue-light: #d0ecfb;\n            --blue-pale: #e8f5fd;\n            --white: #ffffff;\n            --off-white: #f6f8fc;\n            --gray-100: #eef1f7;\n            --gray-200: #dde3ef;\n            --gray-400: #8a96b0;\n            --gray-700: #3a4260;\n            --text: #1a2240;\n            --radius: 16px;\n        }\n\n        *, *::before, *::after { margin: 0; padding: 0; box-sizing: border-box; }\n\n        body {\n            font-family: 'Manrope', sans-serif;\n            background: var(--off-white);\n            color: var(--text);\n            min-height: 100vh;\n        }\n\n        \/* \u2500\u2500 HERO HEADER \u2500\u2500 *\/\n        .hero {\n            background: var(--navy);\n            padding: 48px 32px 56px;\n            position: relative;\n            overflow: hidden;\n            border-radius: 10px 10px 0px 0px;\n        }\n        .hero-inner {\n            max-width: 900px;\n            margin: 0 auto;\n            position: relative;\n            z-index: 1;\n        }\n        .hero-eyebrow {\n            display: inline-flex;\n            align-items: center;\n            gap: 8px;\n            background: rgba(181,224,248,0.15);\n            border: 1px solid rgba(181,224,248,0.3);\n            color: white;\n            font-size: 0.72rem;\n            font-weight: 600;\n            letter-spacing: 0;\n            text-transform: uppercase;\n            padding: 6px 14px;\n            border-radius: 100px;\n            margin-bottom: 20px;\n        }\n        .hero-eyebrow::before {\n            content: '';\n            width: 6px; height: 6px;\n            border-radius: 50%;\n            background: var(--blue);\n            animation: pulse 2s ease-in-out infinite;\n        }\n        @keyframes pulse {\n            0%, 100% { opacity: 1; transform: scale(1); }\n            50% { opacity: 0.5; transform: scale(0.8); }\n        }\n        .hero h2 {\n            font-family: 'Manrope', sans-serif;\n            font-size: clamp(1.2rem, 3vw, 1.75rem);\n            font-weight: 700;\n            color: var(--white);\n            line-height: 1.2;\n            margin-bottom: 12px;\n            letter-spacing: -0.09rem;\n        }\n        .hero-sub {\n            color: rgba(255,255,255,0.8);\n            font-size: 1rem;\n            font-weight: 600;\n            letter-spacing: -0.03rem;\n        }\n\n        \/* \u2500\u2500 CALCULATOR CARD \u2500\u2500 *\/\n        .calc-wrapper {\n            max-width: 900px;\n            margin: -28px auto 0;\n            padding: 0 20px;\n            position: relative;\n            z-index: 10;\n        }\n        .calc-card {\n            background: var(--white);\n            border-radius: var(--radius);\n            box-shadow: none;\n            border: 1px solid var(--gray-200);\n            padding: 28px 32px;\n            display: grid;\n            grid-template-columns: 1fr 1fr;\n            gap: 24px;\n            align-items: end;\n        }\n        @media (max-width: 600px) {\n            .calc-card { grid-template-columns: 1fr; gap: 16px; padding: 22px 20px; }\n        }\n        .field-group {\n            display: flex;\n            flex-direction: column;\n            gap: 8px;\n        }\n        .field-group label {\n            font-size: 0.78rem;\n            font-weight: 600;\n            letter-spacing: 0.06em;\n            text-transform: uppercase;\n            color: var(--gray-400);\n        }\n        .field-wrapper {\n            position: relative;\n        }\n        .field-prefix {\n            position: absolute;\n            left: 14px;\n            top: 50%;\n            transform: translateY(-50%);\n            font-weight: 600;\n            color: var(--navy);\n            font-size: 0.95rem;\n            pointer-events: none;\n        }\n        .calc-card input,\n        .calc-card select {\n            width: 100%;\n            padding: 13px 14px 13px 42px;\n            border: 2px solid var(--gray-200);\n            border-radius: 10px;\n            font-family: 'Manrope', sans-serif;\n            font-size: 1rem;\n            font-weight: 500;\n            color: var(--text);\n            background: var(--off-white);\n            transition: border-color 0.2s, box-shadow 0.2s;\n            appearance: none;\n        }\n        .calc-card select { padding-left: 14px; }\n        .calc-card input:focus,\n        .calc-card select:focus {\n            outline: none;\n            border-color: var(--blue);\n            box-shadow: 0 0 0 4px rgba(181,224,248,0.3);\n            background: var(--white);\n        }\n        .field-hint {\n            font-size: 0.75rem;\n            color: var(--gray-400);\n            margin-top: 2px;\n        }\n\n        \/* \u2500\u2500 RESULTS SUMMARY \u2500\u2500 *\/\n        .results-wrapper {\n            max-width: 900px;\n            margin: 24px auto 0;\n            padding: 0 20px;\n        }\n        .results-meta {\n            display: flex;\n            justify-content: space-between;\n            align-items: center;\n            margin-bottom: 16px;\n            flex-wrap: wrap;\n            gap: 8px;\n        }\n        .results-count {\n            font-family: 'Manrope', sans-serif;\n            font-size: 1.1rem;\n            font-weight: 700;\n            color: var(--navy);\n        }\n        .results-count span { color: var(--navy); }\n        .sort-toggle {\n            display: flex;\n            gap: 6px;\n        }\n        .sort-btn {\n            padding: 6px 14px;\n            border-radius: 100px;\n            border: 2px solid var(--gray-200);\n            background: var(--white);\n            font-family: 'Manrope', sans-serif;\n            font-size: 0.78rem;\n            font-weight: 600;\n            color: var(--gray-400);\n            cursor: pointer;\n            transition: all 0.2s;\n        }\n        .sort-btn.active {\n            border-color: var(--navy);\n            background: var(--navy);\n            color: white;\n        }\n\n        \/* \u2500\u2500 TABLE \u2500\u2500 *\/\n        .table-card {\n            background: var(--white);\n            box-shadow: none;\n            overflow: hidden;\n            margin-bottom: 40px;\n            border-radius: 10px 10px 0px 0px;\n        }\n        .table-scroll { overflow-x: auto; }\n        table {\n            width: 100%;\n            border-collapse: collapse;\n            min-width: 480px;\n            \/* Fixed layout so we control column widths precisely *\/\n            table-layout: fixed;\n        }\n\n        \/* Column width definitions *\/\n        col.col-rank     { width: 44px; }\n        col.col-provider { width: auto; }   \/* takes remaining space *\/\n        col.col-rate     { width: 90px; }   \/* just wide enough for \"0.500 %\" pill *\/\n        col.col-capital  { width: 200px; }  \/* comfortable for CHF amounts *\/\n\n        @media (max-width: 680px) {\n            col.col-rate    { width: 76px; }\n            col.col-capital { width: 150px; }\n        }\n        @media (max-width: 480px) {\n            col.col-rank    { width: 34px; }\n            col.col-rate    { width: 68px; }\n            col.col-capital { width: 126px; }\n        }\n\n        thead th {\n            background: var(--navy);\n            color: rgba(255,255,255,0.7);\n            font-family: 'Manrope', sans-serif;\n            font-size: 0.72rem;\n            font-weight: 600;\n            text-transform: uppercase;\n            padding: 14px 16px;\n            text-align: left;\n            white-space: nowrap;\n            cursor: pointer;\n            user-select: none;\n            transition: background 0.2s;\n            overflow: hidden;\n        }\n        thead th:hover { background: var(--navy-mid); color: white; }\n        thead th.sort-active { color: var(--blue); }\n        thead th .sort-icon { margin-left: 4px; opacity: 0.5; }\n        thead th.sort-active .sort-icon { opacity: 1; }\n\n        \/* Rank header \u2014 no padding needed *\/\n        thead th.rank-header { padding: 14px 8px; }\n\n        \/* Rate header \u2014 centered, no overflow *\/\n        thead th.rate-header { text-align: center; padding: 14px 8px; }\n\n        \/* Capital header \u2014 right-aligned *\/\n        thead th.capital-header { text-align: right; }\n\n        tbody tr {\n            border-bottom: 1px solid var(--gray-100);\n            transition: background 0.15s;\n        }\n        tbody tr:last-child { border-bottom: none; }\n        tbody tr:hover { background: var(--off-white); }\n        tbody tr.row-best { background: var(--blue-pale); }\n        tbody tr.row-best:hover { background: var(--blue-pale); }\n\n        td {\n            padding: 14px 16px;\n            vertical-align: middle;\n            overflow: hidden;\n        }\n\n        \/* Rank cell *\/\n        .rank-cell {\n            text-align: center;\n            padding: 14px 8px;\n        }\n        .rank-dot {\n            width: 26px; height: 26px;\n            border-radius: 50%;\n            background: var(--gray-100);\n            color: var(--gray-400);\n            font-size: 0.72rem;\n            font-weight: 700;\n            display: inline-flex;\n            align-items: center;\n            justify-content: center;\n        }\n        .row-best .rank-dot {\n            background: var(--navy);\n            color: var(--blue);\n        }\n\n        \/* Provider cell *\/\n        .provider-cell {\n            display: flex;\n            align-items: center;\n            gap: 12px;\n            min-width: 0; \/* allow text truncation *\/\n        }\n        .logo-box {\n            width: 68px;\n            height: 42px;\n            flex-shrink: 0;\n            display: flex;\n            align-items: center;\n            justify-content: center;\n            overflow: hidden;\n        }\n        .logo-box img {\n            max-width: 100%;\n            max-height: 100%;\n            object-fit: contain;\n        }\n        .provider-info {\n            min-width: 0;\n        }\n        .provider-name {\n            font-weight: 600;\n            font-size: 0.9rem;\n            color: var(--text);\n            line-height: 1.3;\n            white-space: nowrap;\n            overflow: hidden;\n            text-overflow: ellipsis;\n        }\n        .provider-product {\n            font-size: 0.78rem;\n            color: var(--gray-400);\n            margin-top: 2px;\n            white-space: nowrap;\n            overflow: hidden;\n            text-overflow: ellipsis;\n        }\n        .badge-best {\n            display: inline-flex;\n            align-items: center;\n            gap: 4px;\n            background: var(--navy);\n            color: var(--blue);\n            font-size: 0.62rem;\n            font-weight: 700;\n            letter-spacing: 0.06em;\n            text-transform: uppercase;\n            padding: 2px 7px;\n            border-radius: 100px;\n            margin-left: 7px;\n            vertical-align: middle;\n            flex-shrink: 0;\n        }\n\n        \/* Rate cell *\/\n        .rate-cell {\n            text-align: center;\n            padding: 14px 6px;\n        }\n        .rate-pill {\n            display: inline-block;\n            font-family: 'Manrope', sans-serif;\n            font-weight: 700;\n            font-size: 0.82rem;\n            color: var(--navy);\n            background: var(--gray-100);\n            padding: 4px 10px;\n            border-radius: 100px;\n            white-space: nowrap;\n        }\n        .row-best .rate-pill {\n            background: var(--blue);\n            color: var(--navy);\n        }\n\n        \/* Capital cell *\/\n        .capital-cell {\n            text-align: right;\n        }\n        .capital-amount {\n            font-family: 'Manrope', sans-serif;\n            font-size: 1.05rem;\n            font-weight: 700;\n            color: var(--navy);\n            white-space: nowrap;\n        }\n        .capital-years {\n            font-size: 0.72rem;\n            color: var(--gray-400);\n            margin-top: 2px;\n            white-space: nowrap;\n        }\n\n        \/* \u2500\u2500 FOOTER NOTE \u2500\u2500 *\/\n        .footer-note {\n            max-width: 900px;\n            margin: 0 auto 32px;\n            padding: 0 20px;\n            font-size: 0.78rem;\n            color: var(--gray-400);\n            line-height: 1.6;\n        }\n\n        @media (max-width: 480px) {\n            .logo-box { width: 48px; height: 32px; }\n            .provider-name { font-size: 0.8rem; }\n            .capital-amount { font-size: 0.88rem; }\n            .capital-years { font-size: 0.66rem; }\n        }\n    <\/style>\n<\/head>\n<body>\n\n<div class=\"hero\">\n    <div class=\"hero-inner\">\n        <div class=\"hero-eyebrow\">Comparatif 2026<\/div>\n        <h2>Comparez les int\u00e9r\u00eats des comptes de libre passage<\/h2>\n        <p class=\"hero-sub\">Trouvez l'offre la plus avantageuse pour votre pr\u00e9voyance professionnelle en Suisse<\/p>\n    <\/div>\n<\/div>\n\n<div class=\"calc-wrapper\">\n    <div class=\"calc-card\">\n        <div class=\"field-group\">\n            <label for=\"versement\">Versement (CHF)<\/label>\n            <div class=\"field-wrapper\">\n                <span class=\"field-prefix\">CHF<\/span>\n                <input type=\"number\" id=\"versement\" value=\"50000\" min=\"1000\" max=\"1000000\" step=\"1000\">\n            <\/div>\n            <div class=\"field-hint\">Capital \u00e0 placer dans le compte de libre passage<\/div>\n        <\/div>\n        <div class=\"field-group\">\n            <label for=\"annees\">Nombre d'ann\u00e9es<\/label>\n            <select id=\"annees\"><\/select>\n            <div class=\"field-hint\">Dur\u00e9e de placement estim\u00e9e<\/div>\n        <\/div>\n    <\/div>\n<\/div>\n\n<div class=\"results-wrapper\">\n    <div class=\"results-meta\">\n        <div class=\"results-count\">\n            <span id=\"countLabel\">\u2014<\/span> solutions compar\u00e9es\n        <\/div>\n        <div class=\"sort-toggle\">\n            <button class=\"sort-btn active\" id=\"btnSortCapital\" onclick=\"sortBy('capital')\">Capital final \u2193<\/button>\n            <button class=\"sort-btn\" id=\"btnSortRate\" onclick=\"sortBy('rate')\">Taux \u2193<\/button>\n        <\/div>\n    <\/div>\n\n    <div class=\"table-card\">\n        <div class=\"table-scroll\">\n            <table>\n                <colgroup>\n                    <col class=\"col-rank\">\n                    <col class=\"col-provider\">\n                    <col class=\"col-rate\">\n                    <col class=\"col-capital\">\n                <\/colgroup>\n                <thead>\n                    <tr>\n                        <th class=\"rank-header\"><\/th>\n                        <th>Prestataire<\/th>\n                        <th class=\"rate-header sort-active\" id=\"th-rate\" onclick=\"sortBy('rate')\">Taux <span class=\"sort-icon\">\u2195<\/span><\/th>\n                        <th class=\"capital-header\" id=\"th-capital\" onclick=\"sortBy('capital')\">Capital final <span class=\"sort-icon\">\u2195<\/span><\/th>\n                    <\/tr>\n                <\/thead>\n                <tbody id=\"tableBody\"><\/tbody>\n            <\/table>\n        <\/div>\n    <\/div>\n<\/div>\n\n<div class=\"footer-note\">\n    * Les taux d'int\u00e9r\u00eat affich\u00e9s sont indicatifs et valables sous r\u00e9serve de modifications. Le capital final est calcul\u00e9 sur la base d'int\u00e9r\u00eats compos\u00e9s appliqu\u00e9s au capital initial. Mise \u00e0 jour : 26 f\u00e9vrier 2026.\n<\/div>\n\n<script>\nconst banks = [\n    { name: \"Hypo Vorarlberg Bank\", rate: 0.5, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2026\/02\/Hypo_Vorarlberg.png\" },\n    { name: \"Caisse d'\u00c9pargne d'Aubonne\", rate: 0.5, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/Caisse-epargne-aubonne-300x78.png\" },\n    { name: \"Freiz\u00fcgigkeitskonto.ch\", rate: 0.41, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2026\/02\/logo-Freizugigkeitskonto.ch-2.png\" },\n    { name: \"Banque Clientis Toggenburg\", rate: 0.375, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2026\/02\/clientis-bank-toggenburg.png\" },\n    { name: \"Banque Clientis Oberuzwil\", rate: 0.375, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2026\/02\/clientis-bank-logo.png\" },\n    { name: \"Cr\u00e9dit Agricole CA\", rate: 0.35, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/Credit-Agricole-Next-Bank-Epargne-3a-e1746105761241-300x64.jpg\" },\n    { name: \"Pilla\", rate: 0.25, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2026\/02\/pilla-logo.png\" },\n    { name: \"freeME\", rate: 0.2, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2026\/02\/freeme-glkb-logo.png\" },\n    { name: \"Piguet Galland\", rate: 0.2, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2026\/02\/piguet-galland-logo.png\" },\n    { name: \"Banque Cantonale de Fribourg\", rate: 0.2, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/Banque_Cantonale_de_Fribourg-e1746106806502-300x72.png\" },\n    { name: \"Tellco\", rate: 0.15, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/tellco-300x65.png\" },\n    { name: \"Banque WIR\", rate: 0.15, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/WIR-Bank-e1746109049878-300x92.png\" },\n    { name: \"Clientis Caisse d'\u00c9pargne Courtelary\", rate: 0.15, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2026\/02\/clientis-courtelary.png\" },\n    { name: \"Caisse d'\u00c9pargne Schwyz\", rate: 0.1, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2026\/02\/sparkasse-schwyz.png\" },\n    { name: \"Banque Cantonale de Thurgovie\", rate: 0.1, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/Thurgauer-Kantonalbank-300x65.png\" },\n    { name: \"LLB\", rate: 0.1, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2026\/02\/llb-bank-logo.png\" },\n    { name: \"Banque EKI\", rate: 0.1, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2026\/02\/bank-eki.png\" },\n    { name: \"SLF\", rate: 0.1, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2026\/02\/slf.png\" },\n    { name: \"Banque EEK\", rate: 0.1, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/EEK-Bank.png\" },\n    { name: \"BCGE\", rate: 0.01, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/Banque-Cantonale-Geneve-300x79.jpg\" },\n    { name: \"PostFinance\", rate: 0, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/Postfinance-e1746448763131-300x86.png\" },\n].map(b => ({ ...b, product: \"Compte de libre passage\" }));\n\nlet sortColumn = 'capital';\nlet sortDir = 'desc';\n\nconst sel = document.getElementById('annees');\nfor (let y = 1; y <= 30; y++) {\n    const opt = document.createElement('option');\n    opt.value = y;\n    opt.textContent = y + (y === 1 ? ' ann\u00e9e' : ' ann\u00e9es');\n    if (y === 10) opt.selected = true;\n    sel.appendChild(opt);\n}\n\nfunction calcCapital(initial, ratePercent, years) {\n    return initial * Math.pow(1 + ratePercent \/ 100, years);\n}\n\nfunction fmt(amount) {\n    return new Intl.NumberFormat('fr-CH', { style: 'currency', currency: 'CHF', minimumFractionDigits: 0, maximumFractionDigits: 0 }).format(amount);\n}\n\nfunction sortBy(col) {\n    if (sortColumn === col) { sortDir = sortDir === 'asc' ? 'desc' : 'asc'; }\n    else { sortColumn = col; sortDir = 'desc'; }\n    document.getElementById('btnSortCapital').classList.toggle('active', col === 'capital');\n    document.getElementById('btnSortRate').classList.toggle('active', col === 'rate');\n    document.getElementById('th-capital').classList.toggle('sort-active', col === 'capital');\n    document.getElementById('th-rate').classList.toggle('sort-active', col === 'rate');\n    render();\n}\n\nfunction render() {\n    const initial = parseFloat(document.getElementById('versement').value) || 10000;\n    const years = parseInt(document.getElementById('annees').value) || 10;\n\n    const data = banks.map(b => ({ ...b, capital: calcCapital(initial, b.rate, years) }));\n\n    data.sort((a, b) => {\n        const av = sortColumn === 'rate' ? a.rate : a.capital;\n        const bv = sortColumn === 'rate' ? b.rate : b.capital;\n        return sortDir === 'asc' ? av - bv : bv - av;\n    });\n\n    const best = data[0];\n    document.getElementById('countLabel').textContent = data.length;\n\n    document.getElementById('tableBody').innerHTML = data.map((b, i) => {\n        const isBest = b === best;\n        const gain = b.capital - initial;\n        const rateStr = b.rate === 0 ? '0.00%' : b.rate.toFixed(b.rate < 0.1 ? 2 : 3) + '%';\n        return `\n        <tr class=\"${isBest ? 'row-best' : ''}\">\n            <td class=\"rank-cell\"><span class=\"rank-dot\">${i + 1}<\/span><\/td>\n            <td>\n                <div class=\"provider-cell\">\n                    <div class=\"logo-box\"><img decoding=\"async\" src=\"${b.logo}\" alt=\"${b.name}\" loading=\"lazy\"><\/div>\n                    <div class=\"provider-info\">\n                        <div class=\"provider-name\">${b.name}${isBest ? '<span class=\"badge-best\">\u2726 Meilleur<\/span>' : ''}<\/div>\n                        <div class=\"provider-product\">${b.product}<\/div>\n                    <\/div>\n                <\/div>\n            <\/td>\n            <td class=\"rate-cell\"><span class=\"rate-pill\">${rateStr}<\/span><\/td>\n            <td class=\"capital-cell\">\n                <div class=\"capital-amount\">${fmt(b.capital)}<\/div>\n                <div class=\"capital-years\">+${fmt(gain)} sur ${years} an${years > 1 ? 's' : ''}<\/div>\n            <\/td>\n        <\/tr>`;\n    }).join('');\n}\n\ndocument.getElementById('versement').addEventListener('input', render);\ndocument.getElementById('annees').addEventListener('change', render);\nrender();\n<\/script>\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-a587c0a elementor-widget elementor-widget-heading\" data-id=\"a587c0a\" 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\">Quelle est le meilleur compte de libre passage ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-be62bf8 elementor-widget elementor-widget-text-editor\" data-id=\"be62bf8\" 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>meilleurs comptes de libre passage<\/strong> en 2026 sont <strong>Hypo Vorarlberg Bank<\/strong> et la <strong>Caisse d&rsquo;\u00c9pargne d&rsquo;Aubonne<\/strong>, toutes deux \u00e0 <strong>0.5 %<\/strong>, ce qui en fait les comptes de libre passage les mieux r\u00e9mun\u00e9r\u00e9s du march\u00e9 pour les comptes d&rsquo;\u00e9pargne classiques.<\/p><p>Juste derri\u00e8re, Freiz\u00fcgigkeitskonto.ch offre 0.41 %, suivi des deux banques Clientis (Toggenburg et Oberuzwil) \u00e0 0.375 %.<\/p><p>Outre le taux d\u2019int\u00e9r\u00eat, il est essentiel de consid\u00e9rer d&rsquo;autres \u00e9l\u00e9ments, comme la <strong data-start=\"676\" data-end=\"704\">souplesse administrative<\/strong>, et surtout les <strong data-start=\"812\" data-end=\"841\">frais de retrait anticip\u00e9<\/strong>, qui peuvent s\u2019\u00e9lever jusqu\u2019\u00e0 <strong data-start=\"872\" data-end=\"883\">500 CHF<\/strong> selon les banques. Ces frais sont souvent n\u00e9glig\u00e9s mais peuvent r\u00e9duire le rendement effectif en cas de retrait sur le court terme.<\/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-44f9936 elementor-cta--layout-image-left elementor-cta--skin-classic elementor-animated-content elementor-bg-transform elementor-bg-transform-zoom-in elementor-widget elementor-widget-call-to-action\" data-id=\"44f9936\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"call-to-action.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-cta\">\n\t\t\t\t\t\t\t<div class=\"elementor-cta__content\">\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-cta__title elementor-cta__content-item elementor-content-item\">\n\t\t\t\t\t\tOptimisez votre libre passage \t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-cta__description elementor-cta__content-item elementor-content-item\">\n\t\t\t\t\t\tVous souhaitez \u00eatre s\u00fbr de choisir la solution la plus avantageuse pour votre capital\u202f? R\u00e9servez un rendez-vous gratuit de 15 minutes avec un expert en pr\u00e9voyance. Nous analyserons votre situation et vous guiderons vers le compte ou d\u00e9p\u00f4t de libre passage le mieux adapt\u00e9 \u00e0 vos objectifs.\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-cta__button-wrapper elementor-cta__content-item elementor-content-item \">\n\t\t\t\t\t<a class=\"elementor-cta__button elementor-button elementor-size-\" href=\"https:\/\/meetings-eu1.hubspot.com\/claire-fivaz\/appel-decouverte\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\tPlanifier un rendez-vous gratuit\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-19f814b elementor-widget elementor-widget-heading\" data-id=\"19f814b\" 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\">Comparatif des solutions des d\u00e9p\u00f4ts de libre passage<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-990a986 elementor-widget elementor-widget-html\" data-id=\"990a986\" 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<!DOCTYPE html>\n<html lang=\"fr\">\n<head>\n<meta charset=\"UTF-8\">\n<meta name=\"viewport\" content=\"width=device-width, initial-scale=1.0\">\n<title>Comparatif Libre Passage en Fonds 2026<\/title>\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Manrope:wght@300;400;500;600;700;800&display=swap\" rel=\"stylesheet\">\n<style>\n:root {\n  --navy: #071659;\n  --navy-mid: #0d2280;\n  --blue: #B5E0F8;\n  --blue-pale: #e8f5fd;\n  --white: #ffffff;\n  --off-white: #f6f8fc;\n  --gray-100: #eef1f7;\n  --gray-200: #dde3ef;\n  --gray-400: #8a96b0;\n  --text: #1a2240;\n  --green: #1a7a4a;\n  --green-bg: #e6f4ed;\n  --red: #b91c1c;\n  --red-bg: #fef2f2;\n  --yellow-bg: #fefce8;\n  --yellow: #854d0e;\n}\n\n*, *::before, *::after { margin: 0; padding: 0; box-sizing: border-box; }\n\nbody {\n  font-family: 'Manrope', sans-serif;\n  background: var(--off-white);\n  color: var(--text);\n}\n\n.count-bar {\n  padding: 16px 0 12px;\n}\n.count-label {\n  font-size: 0.88rem;\n  font-weight: 700;\n  color: var(--navy);\n}\n\n.table-card {\n  background: var(--white);\n  border-top: 3px solid var(--navy);\n  overflow: hidden;\n  margin-bottom: 24px;\n}\n.table-scroll { overflow-x: auto; -webkit-overflow-scrolling: touch; }\n\ntable {\n  width: 100%;\n  border-collapse: collapse;\n  min-width: 680px;\n  table-layout: fixed;\n}\n\ncol.col-provider { width: auto; }\ncol.col-ter      { width: 120px; }\ncol.col-platform { width: 120px; }\ncol.col-funds    { width: auto; }\ncol.col-points   { width: auto; }\n\nthead th {\n  background: var(--navy);\n  color: rgba(255,255,255,0.55);\n  font-size: 0.68rem;\n  font-weight: 700;\n  letter-spacing: 0;\n  text-transform: uppercase;\n  padding: 12px 14px;\n  text-align: left;\n  white-space: nowrap;\n  border-right: 1px solid rgba(255,255,255,0.06);\n}\nthead th:last-child { border-right: none; }\n\ntbody tr {\n  border-bottom: 1px solid var(--gray-100);\n  transition: background 0.12s;\n}\ntbody tr:last-child { border-bottom: none; }\ntbody tr:hover { background: var(--off-white); }\n\ntd {\n  padding: 14px 14px;\n  vertical-align: top;\n  border-right: 1px solid var(--gray-100);\n  font-size: 0.82rem;\n  line-height: 1.45;\n  word-break: break-word;\n}\ntd:last-child { border-right: none; }\n\n.provider-name {\n  font-weight: 800;\n  font-size: 0.85rem;\n  color: var(--navy);\n  line-height: 1.25;\n}\n.provider-sub {\n  font-size: 0.7rem;\n  color: var(--gray-400);\n  margin-top: 2px;\n  font-weight: 500;\n}\n\n.chip {\n  display: inline-block;\n  padding: 3px 9px;\n  border-radius: 100px;\n  font-size: 0.73rem;\n  font-weight: 700;\n  white-space: nowrap;\n  width: fit-content;\n}\n.c-good { background: var(--green-bg); color: var(--green); }\n.c-mid  { background: var(--yellow-bg); color: var(--yellow); }\n.c-dim  { background: var(--gray-100); color: var(--gray-400); }\n\n.chip-stack {\n  display: flex;\n  flex-direction: column;\n  gap: 4px;\n  align-items: flex-start;\n}\n.chip-label {\n  font-size: 0.66rem;\n  font-weight: 700;\n  color: var(--gray-400);\n  text-transform: uppercase;\n  letter-spacing: 0.03em;\n  margin-top: 5px;\n  width: fit-content;\n}\n.chip-label:first-child { margin-top: 0; }\n\n.fl {\n  list-style: none;\n  display: flex;\n  flex-direction: column;\n  gap: 3px;\n}\n.fl li {\n  font-size: 0.75rem;\n  color: var(--gray-400);\n  padding-left: 10px;\n  position: relative;\n  line-height: 1.4;\n}\n.fl li::before {\n  content: '\u00b7';\n  position: absolute;\n  left: 0;\n  color: var(--blue);\n  font-weight: 800;\n}\n.fl li.fl-head {\n  font-weight: 700;\n  color: var(--navy);\n  padding-left: 0;\n  margin-top: 5px;\n  font-size: 0.7rem;\n  text-transform: uppercase;\n  letter-spacing: 0.04em;\n}\n.fl li.fl-head::before { display: none; }\n.fl li.fl-head:first-child { margin-top: 0; }\n\n.pro-con {\n  list-style: none;\n  display: flex;\n  flex-direction: column;\n  gap: 6px;\n}\n.pro-con li {\n  font-size: 0.77rem;\n  padding-left: 18px;\n  position: relative;\n  line-height: 1.45;\n  color: var(--text);\n}\n.pro-con li.pro::before {\n  content: '\u2713';\n  position: absolute;\n  left: 0;\n  color: var(--green);\n  font-weight: 800;\n  font-size: 0.8rem;\n}\n.pro-con li.con::before {\n  content: '\u2715';\n  position: absolute;\n  left: 1px;\n  color: var(--red);\n  font-weight: 800;\n  font-size: 0.72rem;\n}\n\n.footer-note {\n  padding: 14px 0 24px;\n  font-size: 0.71rem;\n  color: var(--gray-400);\n  line-height: 1.6;\n}\n\n\/* \u2500\u2500 RESPONSIVE \u2500\u2500 *\/\n@media (max-width: 768px) {\n  .table-scroll { overflow-x: unset; }\n  table {\n    display: block;\n    min-width: unset;\n    table-layout: auto;\n  }\n  colgroup { display: none; }\n  thead { display: none; }\n  tbody { display: block; }\n  tbody tr {\n    display: block;\n    border-top: 3px solid var(--navy);\n    border-bottom: none;\n    padding: 4px 0 8px;\n    margin-bottom: 4px;\n    background: var(--white);\n  }\n  tbody tr:first-child { border-top: none; }\n  td {\n    display: block;\n    border-right: none;\n    border-bottom: 1px solid var(--gray-100);\n    padding: 10px 12px;\n    width: 100% !important;\n  }\n  td:last-child { border-bottom: none; }\n  td[data-label]::before {\n    content: attr(data-label);\n    display: block;\n    font-size: 0.62rem;\n    font-weight: 800;\n    text-transform: uppercase;\n    letter-spacing: 0.05em;\n    color: var(--gray-400);\n    margin-bottom: 6px;\n  }\n}\n<\/style>\n<\/head>\n<body>\n\n<div class=\"table-card\">\n  <div class=\"table-scroll\">\n    <table>\n      <colgroup>\n        <col class=\"col-provider\" \/>\n        <col class=\"col-ter\" \/>\n        <col class=\"col-platform\" \/>\n        <col class=\"col-funds\" \/>\n        <col class=\"col-points\" \/>\n      <\/colgroup>\n      <thead>\n        <tr>\n          <th>Prestataire<\/th>\n          <th>TER<\/th>\n          <th>Frais<\/th>\n          <th>Placement<\/th>\n          <th>Points cl\u00e9s<\/th>\n        <\/tr>\n      <\/thead>\n      <tbody>\n\n        <!-- TELLCO -->\n        <tr>\n          <td>\n            <div class=\"provider-name\">Tellco<\/div>\n            <div class=\"provider-sub\">D\u00e9p\u00f4t de libre passage<\/div>\n          <\/td>\n          <td data-label=\"TER\">\n            <div class=\"chip-stack\">\n              <span class=\"chip c-good\">0.05 \u00e0 1.31 %<\/span>\n            <\/div>\n          <\/td>\n          <td data-label=\"Frais\">\n            <div class=\"chip-stack\">\n              <span class=\"chip c-good\">0.00 \u00e0 0.35 %<\/span>\n            <\/div>\n          <\/td>\n          <td data-label=\"Placement\">\n            <ul class=\"fl\">\n              <li class=\"fl-head\">Fonds strat\u00e9giques (10\/25\/45\/100)<\/li>\n              <li>ETF obligations suisses et monde<\/li>\n              <li>ETF actions suisses et monde<\/li>\n              <li>Fonds th\u00e9matiques (IA, sant\u00e9, robotique\u2026)<\/li>\n              <li>Immobilier suisse et monde<\/li>\n              <li>Mati\u00e8res premi\u00e8res et alternatifs<\/li>\n              <li>Solutions individuelles d\u00e8s CHF 500'000<\/li>\n            <\/ul>\n          <\/td>\n          <td data-label=\"Points cl\u00e9s\">\n            <ul class=\"pro-con\">\n              <li class=\"pro\">Univers de placement le plus large du march\u00e9 bancaire, plus de 60 fonds et ETF<\/li>\n              <li class=\"pro\">Couverture d\u00e9c\u00e8s\/invalidit\u00e9 gratuite incluse pour les investisseurs en titres<\/li>\n            <\/ul>\n          <\/td>\n        <\/tr>\n\n        <!-- LIBERTY -->\n        <tr>\n          <td>\n            <div class=\"provider-name\">Liberty<\/div>\n            <div class=\"provider-sub\">D\u00e9p\u00f4t de libre passage<\/div>\n          <\/td>\n          <td data-label=\"TER\">\n            <div class=\"chip-stack\">\n              <span class=\"chip c-good\">d\u00e8s 0.40 %<\/span>\n            <\/div>\n          <\/td>\n          <td data-label=\"Frais\">\n            <div class=\"chip-stack\">\n              <span class=\"chip-label\">Compare Universe<\/span>\n              <span class=\"chip c-good\">0.45 %\/an<\/span>\n              <span class=\"chip-label\">Open Universe<\/span>\n              <span class=\"chip c-mid\">0.60 %\/an<\/span>\n            <\/div>\n          <\/td>\n          <td data-label=\"Placement\">\n            <ul class=\"fl\">\n              <li class=\"fl-head\">LPP Fund Invest<\/li>\n              <li>Plus de 60 fonds LPP agr\u00e9\u00e9s<\/li>\n              <li class=\"fl-head\">Index Fund Invest<\/li>\n              <li>S\u00e9lection Index \/ ESG<\/li>\n              <li class=\"fl-head\">Multi Fund Invest<\/li>\n              <li>Tous fonds autoris\u00e9s en Suisse et ETF<\/li>\n              <li class=\"fl-head\">Mandate Invest<\/li>\n              <li>Mandats de gestion personnalis\u00e9s<\/li>\n            <\/ul>\n          <\/td>\n          <td data-label=\"Points cl\u00e9s\">\n            <ul class=\"pro-con\">\n              <li class=\"pro\">Approche modulaire, 4 solutions selon le profil et le budget<\/li>\n              <li class=\"pro\">Acc\u00e8s aux mandats de gestion avec banques et g\u00e9rants ind\u00e9pendants<\/li>\n            <\/ul>\n          <\/td>\n        <\/tr>\n\n        <!-- SWISSCANTO -->\n        <tr>\n          <td>\n            <div class=\"provider-name\">Swisscanto<\/div>\n            <div class=\"provider-sub\">D\u00e9p\u00f4t de libre passage<\/div>\n          <\/td>\n          <td data-label=\"TER\">\n            <div class=\"chip-stack\">\n              <span class=\"chip c-good\">0.40 \u00e0 0.90 %<\/span>\n            <\/div>\n          <\/td>\n          <td data-label=\"Frais\">\n            <span class=\"chip c-dim\">Inconnu<\/span>\n          <\/td>\n          <td data-label=\"Placement\">\n            <ul class=\"fl\">\n              <li class=\"fl-head\">8 groupes de placement<\/li>\n              <li>Portfolio 10 \/ 25 \/ 45 \/ 75 RT<\/li>\n              <li>Sustainable Portfolio 45 RT<\/li>\n              <li>Life Cycle 2025 RT<\/li>\n              <li>Index 45 RT<\/li>\n              <li>BVG 3 Protection RT<\/li>\n            <\/ul>\n          <\/td>\n          <td data-label=\"Points cl\u00e9s\">\n            <ul class=\"pro-con\">\n              <li class=\"pro\">Large choix de profils de risque, du conservateur au dynamique<\/li>\n              <li class=\"pro\">Option Life Cycle qui r\u00e9duit le risque \u00e0 l'approche de la retraite<\/li>\n            <\/ul>\n          <\/td>\n        <\/tr>\n\n        <!-- OPSION -->\n        <tr>\n          <td>\n            <div class=\"provider-name\">Opsion<\/div>\n            <div class=\"provider-sub\">D\u00e9p\u00f4t de libre passage<\/div>\n          <\/td>\n          <td data-label=\"TER\">\n            <div class=\"chip-stack\">\n              <span class=\"chip c-good\">0.24 \u00e0 0.35 %<\/span>\n            <\/div>\n          <\/td>\n          <td data-label=\"Frais\">\n            <div class=\"chip-stack\">\n              <span class=\"chip c-good\">0.58 %\/an<\/span>\n            <\/div>\n          <\/td>\n          <td data-label=\"Placement\">\n            <ul class=\"fl\">\n              <li>Strat\u00e9gies de 15 % \u00e0 75 % d'actions<\/li>\n              <li>D\u00e9p\u00f4t minimum : CHF 30'000<\/li>\n              <li>Solutions sur mesure d\u00e8s CHF 150'000<\/li>\n            <\/ul>\n          <\/td>\n          <td data-label=\"Points cl\u00e9s\">\n            <ul class=\"pro-con\">\n              <li class=\"pro\">TER parmi les plus bas du march\u00e9<\/li>\n              <li class=\"con\">Montant minimum \u00e9lev\u00e9, inaccessible en dessous de CHF 30'000<\/li>\n            <\/ul>\n          <\/td>\n        <\/tr>\n\n        <!-- UBS -->\n        <tr>\n          <td>\n            <div class=\"provider-name\">UBS<\/div>\n            <div class=\"provider-sub\">D\u00e9p\u00f4t de libre passage<\/div>\n          <\/td>\n          <td data-label=\"TER\">\n            <div class=\"chip-stack\">\n              <span class=\"chip-label\">Passif<\/span>\n              <span class=\"chip c-good\">0.25 %<\/span>\n              <span class=\"chip-label\">Actif<\/span>\n              <span class=\"chip c-mid\">1.35 \u00e0 1.71 %<\/span>\n            <\/div>\n          <\/td>\n          <td data-label=\"Frais\">\n            <span class=\"chip c-dim\">Aucun<\/span>\n          <\/td>\n          <td data-label=\"Placement\">\n            <ul class=\"fl\">\n              <li class=\"fl-head\">Passif<\/li>\n              <li>Vitainvest Passive 25 \/ 50 \/ 75 \/ 100 Sustainable<\/li>\n              <li class=\"fl-head\">Actif<\/li>\n              <li>Vitainvest 25 \/ 50 \/ 75 \/ 100 World Sustainable<\/li>\n            <\/ul>\n          <\/td>\n          <td data-label=\"Points cl\u00e9s\">\n            <ul class=\"pro-con\">\n              <li class=\"pro\">Parts de fonds transf\u00e9rables sur d\u00e9p\u00f4t priv\u00e9 UBS \u00e0 la retraite, pas de vente forc\u00e9e<\/li>\n              <li class=\"con\">Fonds actifs on\u00e9reux<\/li>\n            <\/ul>\n          <\/td>\n        <\/tr>\n\n        <!-- POSTFINANCE -->\n        <tr>\n          <td>\n            <div class=\"provider-name\">PostFinance<\/div>\n            <div class=\"provider-sub\">D\u00e9p\u00f4t de libre passage<\/div>\n          <\/td>\n          <td data-label=\"TER\">\n            <div class=\"chip-stack\">\n              <span class=\"chip c-mid\">1.12 \u00e0 1.30 %<\/span>\n            <\/div>\n          <\/td>\n          <td data-label=\"Frais\">\n            <span class=\"chip c-dim\">Aucun<\/span>\n          <\/td>\n          <td data-label=\"Placement\">\n            <ul class=\"fl\">\n              <li class=\"fl-head\">ESG<\/li>\n              <li>PF Pension ESG 25 \/ 50 \/ 75 \/ 100<\/li>\n              <li class=\"fl-head\">Passive<\/li>\n              <li>PF Pension Passive 25 \/ 50 \/ 75 \/ 100<\/li>\n            <\/ul>\n          <\/td>\n          <td data-label=\"Points cl\u00e9s\">\n            <ul class=\"pro-con\">\n              <li class=\"pro\">Transfert des fonds sur d\u00e9p\u00f4t priv\u00e9 possible \u00e0 la retraite<\/li>\n              <li class=\"con\">TER des fonds ESG parmi les plus \u00e9lev\u00e9s du march\u00e9<\/li>\n            <\/ul>\n          <\/td>\n        <\/tr>\n\n        <!-- VIAC -->\n        <tr>\n          <td>\n            <div class=\"provider-name\">VIAC<\/div>\n            <div class=\"provider-sub\">D\u00e9p\u00f4t de libre passage<\/div>\n          <\/td>\n          <td data-label=\"TER\">\n            <div class=\"chip-stack\">\n              <span class=\"chip c-good\">0.00 \u00e0 0.09 %<\/span>\n            <\/div>\n          <\/td>\n          <td data-label=\"Frais\">\n            <div class=\"chip-stack\">\n              <span class=\"chip c-good\">0.52 %\/an<\/span>\n            <\/div>\n          <\/td>\n          <td data-label=\"Placement\">\n            <ul class=\"fl\">\n              <li>6 strat\u00e9gies indicielles (15 % \u00e0 97 % actions)<\/li>\n              <li>Fonds Swisscanto s\u00e9lectionn\u00e9s<\/li>\n              <li>Focus march\u00e9 suisse, majoritairement CHF<\/li>\n            <\/ul>\n          <\/td>\n          <td data-label=\"Points cl\u00e9s\">\n            <ul class=\"pro-con\">\n              <li class=\"pro\">Frais totaux comp\u00e9titifs, 100 % num\u00e9rique, ouverture simple<\/li>\n              <li class=\"pro\">Rebalancing automatique sans frais suppl\u00e9mentaires<\/li>\n            <\/ul>\n          <\/td>\n        <\/tr>\n\n        <!-- ZURICH -->\n        <tr>\n          <td>\n            <div class=\"provider-name\">Zurich<\/div>\n            <div class=\"provider-sub\">D\u00e9p\u00f4t de libre passage<\/div>\n          <\/td>\n          <td data-label=\"TER\">\n            <div class=\"chip-stack\">\n              <span class=\"chip-label\">Target Funds<\/span>\n              <span class=\"chip c-mid\">0.21 \u00e0 1.32 %<\/span>\n              <span class=\"chip-label\">Mix \/ Profils<\/span>\n              <span class=\"chip c-good\">0.40 \u00e0 0.67 %<\/span>\n            <\/div>\n          <\/td>\n          <td data-label=\"Frais\">\n            <span class=\"chip c-dim\">Aucun<\/span>\n          <\/td>\n          <td data-label=\"Placement\">\n            <ul class=\"fl\">\n              <li class=\"fl-head\">Target Investment Funds<\/li>\n              <li>Mon\u00e9taire \/ Obligations \/ 25 \/ 35 \/ 45<\/li>\n              <li class=\"fl-head\">Mix et Profils<\/li>\n              <li>Mix 20 \/ 45 \/ 65<\/li>\n              <li>D\u00e9fensif \/ \u00c9quilibr\u00e9 \/ Progressif \/ Dynamique<\/li>\n              <li>Premium d\u00e8s CHF 200'000<\/li>\n            <\/ul>\n          <\/td>\n          <td data-label=\"Points cl\u00e9s\">\n            <ul class=\"pro-con\">\n              <li class=\"pro\">Large gamme du mon\u00e9taire au dynamique, avec immobilier et alternatifs int\u00e9gr\u00e9s<\/li>\n              <li class=\"con\">TER des Target Funds actifs \u00e9lev\u00e9s<\/li>\n            <\/ul>\n          <\/td>\n        <\/tr>\n\n        <!-- DESCARTES -->\n        <tr>\n          <td>\n            <div class=\"provider-name\">Descartes<\/div>\n            <div class=\"provider-sub\">D\u00e9p\u00f4t de libre passage<\/div>\n          <\/td>\n          <td data-label=\"TER\">\n            <div class=\"chip-stack\">\n              <span class=\"chip-label\">Passif<\/span>\n              <span class=\"chip c-good\">0.25 \u00e0 0.27 %<\/span>\n              <span class=\"chip-label\">Actif<\/span>\n              <span class=\"chip c-mid\">0.44 \u00e0 0.53 %<\/span>\n            <\/div>\n          <\/td>\n          <td data-label=\"Frais\">\n            <div class=\"chip-stack\">\n              <span class=\"chip c-good\">0.40 %\/an<\/span>\n            <\/div>\n          <\/td>\n          <td data-label=\"Placement\">\n            <ul class=\"fl\">\n              <li class=\"fl-head\">Passif<\/li>\n              <li>Fonds indiciels responsables, 20 \/ 40 \/ 60 \/ 80 % actions<\/li>\n              <li class=\"fl-head\">Actif<\/li>\n              <li>Approche durable, r\u00e9duction du risque<\/li>\n              <li>Fonds Swisscanto, focus Suisse \/ CHF<\/li>\n            <\/ul>\n          <\/td>\n          <td data-label=\"Points cl\u00e9s\">\n            <ul class=\"pro-con\">\n              <li class=\"pro\">Frais totaux tr\u00e8s comp\u00e9titifs en strat\u00e9gie active<\/li>\n              <li class=\"pro\">Option durable disponible<\/li>\n            <\/ul>\n          <\/td>\n        <\/tr>\n\n        <!-- BCGE -->\n        <tr>\n          <td>\n            <div class=\"provider-name\">BCGE<\/div>\n            <div class=\"provider-sub\">D\u00e9p\u00f4t de libre passage<\/div>\n          <\/td>\n          <td data-label=\"TER\">\n            <div class=\"chip-stack\">\n              <span class=\"chip c-mid\">0.86 \u00e0 2.14 %<\/span>\n            <\/div>\n          <\/td>\n          <td data-label=\"Frais\">\n            <span class=\"chip c-dim\">Aucun<\/span>\n          <\/td>\n          <td data-label=\"Placement\">\n            <ul class=\"fl\">\n              <li class=\"fl-head\">Synchrony LPP multigestion<\/li>\n              <li>LPP 25 \/ 40 (classes B et J)<\/li>\n              <li>LPP 40 ESG<\/li>\n              <li>Synchrony LPP Bonds<\/li>\n            <\/ul>\n          <\/td>\n          <td data-label=\"Points cl\u00e9s\">\n            <ul class=\"pro-con\">\n              <li class=\"pro\">Gestion multigestion professionnelle avec suivi quotidien des march\u00e9s<\/li>\n              <li class=\"con\">TER des fonds parmi les plus \u00e9lev\u00e9s<\/li>\n            <\/ul>\n          <\/td>\n        <\/tr>\n\n      <\/tbody>\n    <\/table>\n  <\/div>\n<\/div>\n\n<div class=\"footer-note\">\n  * Les TER indiqu\u00e9s correspondent aux frais courants des fonds s\u00e9lectionn\u00e9s et peuvent varier selon la strat\u00e9gie choisie. Les frais de plateforme s'appliquent en sus du TER sauf mention contraire. Donn\u00e9es indicatives, se r\u00e9f\u00e9rer aux documentations officielles de chaque prestataire. Mise \u00e0 jour : f\u00e9vrier 2026.\n<\/div>\n\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-1593e11 elementor-widget elementor-widget-heading\" data-id=\"1593e11\" 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\">Quelle est le meilleur d\u00e9p\u00f4t de libre passage ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-27dfeb6 elementor-widget elementor-widget-text-editor\" data-id=\"27dfeb6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Le choix d\u00e9pend avant tout de votre profil et de votre montant disponible.<\/p><p>Pour les <strong>frais les plus bas<\/strong> avec le plus <strong>grand univers de placement<\/strong>, <strong>Tellco<\/strong> s&rsquo;impose avec des <strong>TER d\u00e8s 0.05 %<\/strong>, des frais de plateforme entre <strong>0 et 35 %<\/strong> selon la strat\u00e9gie, et plus de <strong>60 fonds et ETF<\/strong> disponibles, sans oublier la couverture d\u00e9c\u00e8s\/invalidit\u00e9 gratuite incluse.<\/p><p>Si vous n&rsquo;\u00eates pas un investisseur aguerri, <strong>Opsion<\/strong> est id\u00e9al : ses strat\u00e9gies pr\u00e9d\u00e9finies (de 15 % \u00e0 75 % d&rsquo;actions) vous permettent de choisir simplement votre niveau de risque sans avoir \u00e0 s\u00e9lectionner les fonds vous-m\u00eame. Ses TER figurent parmi les plus bas du march\u00e9, mais un <strong>minimum de CHF 30&rsquo;000 est requis<\/strong>.<\/p><p><strong>UBS<\/strong> et <strong>PostFinance<\/strong> permettent de verser les fonds sur un d\u00e9p\u00f4t priv\u00e9 \u00e0 la retraite <strong>sans vente forc\u00e9e<\/strong>. <strong>Swisscanto<\/strong> et son option Life Cycle conviendront aux profils cherchant une gestion qui r\u00e9duit automatiquement le risque \u00e0 l&rsquo;approche de la retraite.<\/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-fe5640f elementor-widget elementor-widget-heading\" data-id=\"fe5640f\" 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-2e3fb82 elementor-widget elementor-widget-toggle\" data-id=\"2e3fb82\" 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-4841\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-4841\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Qu\u2019est-ce qu\u2019un compte de libre passage ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-4841\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-4841\"><p>Un compte de libre passage est un compte de pr\u00e9voyance professionnelle (2e pilier) destin\u00e9 \u00e0 <strong>conserver votre capital lorsque vous changez d\u2019emploi<\/strong>, \u00eates au ch\u00f4mage ou partez temporairement de votre caisse de pension. Il permet de prot\u00e9ger vos avoirs tout en restant accessible dans certaines situations exceptionnelles.<\/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-4842\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-4842\" 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\">Combien de comptes de libre passage peut-on avoir ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-4842\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-4842\"><p>La loi suisse permet de d\u00e9tenir un maximum de <strong>2 comptes de libre passage<\/strong> aupr\u00e8s de deux fondations diff\u00e9rente. Cette possibilit\u00e9 permet de r\u00e9partir les risques et d\u2019optimiser la fiscalit\u00e9 au moment de la retraite.<\/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-4843\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-4843\" 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\">Quels sont les crit\u00e8res pour choisir le meilleur compte de libre passage ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-4843\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-4843\"><p>Pour choisir un compte adapt\u00e9 \u00e0 votre situation, il faut regarder :<\/p><ul><li>Le taux d\u2019int\u00e9r\u00eat : plus il est \u00e9lev\u00e9, mieux votre capital cro\u00eet.<\/li><li>Les frais : frais de gestion, frais de cl\u00f4ture, frais de retrait anticip\u00e9 (EPL).<\/li><li>La flexibilit\u00e9 : facilit\u00e9 d\u2019ouverture et de transfert vers une nouvelle caisse de pension.<\/li><li>Les solutions d\u2019investissement : certains comptes offrent la possibilit\u00e9 de placer le capital sur des fonds pour un rendement potentiel plus \u00e9lev\u00e9.<\/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-4844\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-4844\" 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\">Quelles sont les situations permettant un retrait anticip\u00e9 ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-4844\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-4844\"><p>Vous pouvez <a href=\"https:\/\/invexa.ch\/prevoyance\/retrait-compte-libre-passage\/\">retirer votre avoir de libre passage avant la retraite<\/a> uniquement dans certains cas :<\/p><ul><li>D\u00e9but d\u2019une activit\u00e9 ind\u00e9pendante.<\/li><li>Achat d\u2019un logement principal.<\/li><li>D\u00e9part d\u00e9finitif de Suisse (hors UE\/AELE).<\/li><li>D\u00e9c\u00e8s ou invalidit\u00e9.<\/li><li>Montant inf\u00e9rieur \u00e0 la cotisation annuelle de l\u2019employ\u00e9.<\/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-4845\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-4845\" 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 sont impos\u00e9s les comptes de libre passage ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-4845\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-4845\"><p>Les int\u00e9r\u00eats et gains accumul\u00e9s sur un compte de libre passage sont <strong>exon\u00e9r\u00e9s d\u2019imp\u00f4ts<\/strong> tant que les fonds restent sur le compte. Le capital est <a href=\"https:\/\/invexa.ch\/prevoyance\/impot-sur-le-retrait-du-2eme-pilier-lpp\/\">impos\u00e9 s\u00e9par\u00e9ment au moment du retrait<\/a>, \u00e0 un taux r\u00e9duit .<\/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-4846\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-4846\" 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\">Diff\u00e9rence entre compte et d\u00e9p\u00f4t de libre passage<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-4846\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-4846\"><ul>\n \t<li><p><strong>Compte de libre passage<\/strong> : capital s\u00e9curis\u00e9, taux fixe, id\u00e9al pour une d\u00e9tention \u00e0 court terme ou faible tol\u00e9rance au risque.<\/p ><\/li>\n \t<li><p><strong>D\u00e9p\u00f4t de libre passage en fonds ou ETF<\/strong> : potentiel de rendement plus \u00e9lev\u00e9, mais comporte un risque de perte en cas de baisse des march\u00e9s. Adapt\u00e9 aux horizons de placement plus longs.<\/p><\/li>\n<\/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-4847\" class=\"elementor-tab-title\" data-tab=\"7\" role=\"button\" aria-controls=\"elementor-tab-content-4847\" 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 combiner plusieurs types de libre passage ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-4847\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"region\" aria-labelledby=\"elementor-tab-title-4847\"><p>Oui, il est possible d\u2019avoir un compte pour la s\u00e9curit\u00e9 (taux garanti) et un d\u00e9p\u00f4t en fonds pour la croissance, \u00e0 condition de respecter la limite de deux comptes par prestataire.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Qu\\u2019est-ce qu\\u2019un compte de libre passage ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Un compte de libre passage est un compte de pr\\u00e9voyance professionnelle (2e pilier) destin\\u00e9 \\u00e0 <strong>conserver votre capital lorsque vous changez d\\u2019emploi<\\\/strong>, \\u00eates au ch\\u00f4mage ou partez temporairement de votre caisse de pension. Il permet de prot\\u00e9ger vos avoirs tout en restant accessible dans certaines situations exceptionnelles.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Combien de comptes de libre passage peut-on avoir ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>La loi suisse permet de d\\u00e9tenir un maximum de <strong>2 comptes de libre passage<\\\/strong> aupr\\u00e8s de deux fondations diff\\u00e9rente. Cette possibilit\\u00e9 permet de r\\u00e9partir les risques et d\\u2019optimiser la fiscalit\\u00e9 au moment de la retraite.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Quels sont les crit\\u00e8res pour choisir le meilleur compte de libre passage ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Pour choisir un compte adapt\\u00e9 \\u00e0 votre situation, il faut regarder :<\\\/p><ul><li>Le taux d\\u2019int\\u00e9r\\u00eat : plus il est \\u00e9lev\\u00e9, mieux votre capital cro\\u00eet.<\\\/li><li>Les frais : frais de gestion, frais de cl\\u00f4ture, frais de retrait anticip\\u00e9 (EPL).<\\\/li><li>La flexibilit\\u00e9 : facilit\\u00e9 d\\u2019ouverture et de transfert vers une nouvelle caisse de pension.<\\\/li><li>Les solutions d\\u2019investissement : certains comptes offrent la possibilit\\u00e9 de placer le capital sur des fonds pour un rendement potentiel plus \\u00e9lev\\u00e9.<\\\/li><\\\/ul>\"}},{\"@type\":\"Question\",\"name\":\"Quelles sont les situations permettant un retrait anticip\\u00e9 ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Vous pouvez <a href=\\\"https:\\\/\\\/invexa.ch\\\/prevoyance\\\/retrait-compte-libre-passage\\\/\\\">retirer votre avoir de libre passage avant la retraite<\\\/a> uniquement dans certains cas :<\\\/p><ul><li>D\\u00e9but d\\u2019une activit\\u00e9 ind\\u00e9pendante.<\\\/li><li>Achat d\\u2019un logement principal.<\\\/li><li>D\\u00e9part d\\u00e9finitif de Suisse (hors UE\\\/AELE).<\\\/li><li>D\\u00e9c\\u00e8s ou invalidit\\u00e9.<\\\/li><li>Montant inf\\u00e9rieur \\u00e0 la cotisation annuelle de l\\u2019employ\\u00e9.<\\\/li><\\\/ul>\"}},{\"@type\":\"Question\",\"name\":\"Comment sont impos\\u00e9s les comptes de libre passage ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Les int\\u00e9r\\u00eats et gains accumul\\u00e9s sur un compte de libre passage sont <strong>exon\\u00e9r\\u00e9s d\\u2019imp\\u00f4ts<\\\/strong> tant que les fonds restent sur le compte. Le capital est <a href=\\\"https:\\\/\\\/invexa.ch\\\/prevoyance\\\/impot-sur-le-retrait-du-2eme-pilier-lpp\\\/\\\">impos\\u00e9 s\\u00e9par\\u00e9ment au moment du retrait<\\\/a>, \\u00e0 un taux r\\u00e9duit .<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Diff\\u00e9rence entre compte et d\\u00e9p\\u00f4t de libre passage\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<ul>\\n \\t<li><p><strong>Compte de libre passage<\\\/strong> : capital s\\u00e9curis\\u00e9, taux fixe, id\\u00e9al pour une d\\u00e9tention \\u00e0 court terme ou faible tol\\u00e9rance au risque.<\\\/p ><\\\/li>\\n \\t<li><p><strong>D\\u00e9p\\u00f4t de libre passage en fonds ou ETF<\\\/strong> : potentiel de rendement plus \\u00e9lev\\u00e9, mais comporte un risque de perte en cas de baisse des march\\u00e9s. Adapt\\u00e9 aux horizons de placement plus longs.<\\\/p><\\\/li>\\n<\\\/ul>\"}},{\"@type\":\"Question\",\"name\":\"Peut-on combiner plusieurs types de libre passage ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Oui, il est possible d\\u2019avoir un compte pour la s\\u00e9curit\\u00e9 (taux garanti) et un d\\u00e9p\\u00f4t en fonds pour la croissance, \\u00e0 condition de respecter la limite de deux comptes par prestataire.<\\\/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<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-046d8fd elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"046d8fd\" 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-100 elementor-inner-column elementor-element elementor-element-92e2b2d\" data-id=\"92e2b2d\" 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-8e75dc2 elementor-widget elementor-widget-heading\" data-id=\"8e75dc2\" 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\">M\u00e9thodologie<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bb43b85 elementor-widget elementor-widget-text-editor\" data-id=\"bb43b85\" 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>Ce comparatif repose exclusivement sur des donn\u00e9es <strong>publiques et v\u00e9rifiables<\/strong>: frais de gestion, taux d\u2019int\u00e9r\u00eat, rendements historiques et conditions contractuelles publi\u00e9es par les \u00e9tablissements concern\u00e9s ainsi que sur le site internet <a href=\"https:\/\/www.swissfunddata.ch\/sfdpub\/fonds-de-placement\" target=\"_blank\" rel=\"noopener\">Swiss Fund Data<\/a>. Les informations sont mises \u00e0 jour r\u00e9guli\u00e8rement afin de refl\u00e9ter les derni\u00e8res donn\u00e9es disponibles.<\/p><p>Certaines institutions peuvent verser une r\u00e9mun\u00e9ration de distribution en cas de souscription via Invexa. Ces commissions n\u2019influencent en aucun cas la s\u00e9lection ni la pr\u00e9sentation des produits: seuls les contrats offrant des conditions transparentes et des performances solides sont retenus dans ce comparatif. Les solutions pr\u00e9sentant des frais excessifs ou une performance insuffisante ne sont pas retenues dans le comparatif.<\/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\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>Switzerland offers a wide range of vested benefits solutions, including accounts, securities custody accounts and insurance policies. Use this comparison tool to discover the best offers currently available on the market, along with their fees, conditions and investment possibilities.<\/p>","protected":false},"author":1,"featured_media":8194,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","footnotes":""},"categories":[30],"tags":[38,34],"class_list":["post-8131","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-prevoyance","tag-libre-passage","tag-lpp"],"_links":{"self":[{"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/posts\/8131","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=8131"}],"version-history":[{"count":54,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/posts\/8131\/revisions"}],"predecessor-version":[{"id":8291,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/posts\/8131\/revisions\/8291"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/media\/8194"}],"wp:attachment":[{"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/media?parent=8131"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/categories?post=8131"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/tags?post=8131"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}