{"id":1300,"date":"2025-04-16T09:48:52","date_gmt":"2025-04-16T09:48:52","guid":{"rendered":"http:\/\/invexa.ch\/?p=1300"},"modified":"2025-12-04T07:37:55","modified_gmt":"2025-12-04T07:37:55","slug":"salaire-minimum-et-maximum-lpp","status":"publish","type":"post","link":"https:\/\/invexa.ch\/fr\/prevoyance\/salaire-minimum-et-maximum-lpp\/","title":{"rendered":"Salaire minimum et maximum LPP"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1300\" class=\"elementor elementor-1300\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6a529c3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6a529c3\" 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-8c1896c\" data-id=\"8c1896c\" 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-0c9e8a6 elementor-widget elementor-widget-heading\" data-id=\"0c9e8a6\" 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 est le salaire minimum et maximum pour \u00eatre affili\u00e9 \u00e0 une caisse de pension ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9de9a7d elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"9de9a7d\" 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-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M413.1 222.5l22.2 22.2c9.4 9.4 9.4 24.6 0 33.9L241 473c-9.4 9.4-24.6 9.4-33.9 0L12.7 278.6c-9.4-9.4-9.4-24.6 0-33.9l22.2-22.2c9.5-9.5 25-9.3 34.3.4L184 343.4V56c0-13.3 10.7-24 24-24h32c13.3 0 24 10.7 24 24v287.4l114.8-120.5c9.3-9.8 24.8-10 34.3-.4z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>Salaire minimum LPP (seuil d'entr\u00e9e):<\/b> CHF 22'680 en 2025 (CHF 22'050 en 2024)<\/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-9a55841 elementor-widget elementor-widget-text-editor\" data-id=\"9a55841\" 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>Lorsque le salaire minimal LPP correspond au seuil d&rsquo;entr\u00e9e, la d\u00e9duction de coordination compl\u00e8te n&rsquo;est pas appliqu\u00e9e. A la place, le salaire assur\u00e9 s&rsquo;\u00e9l\u00e8vera \u00e0 <strong>CHF 3&rsquo;780<\/strong> (2025). Ce dernier est appel\u00e9 <strong>salaire coordonn\u00e9 minimal<\/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-9415ea7 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"9415ea7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\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-e1e3f89 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"e1e3f89\" 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-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M34.9 289.5l-22.2-22.2c-9.4-9.4-9.4-24.6 0-33.9L207 39c9.4-9.4 24.6-9.4 33.9 0l194.3 194.3c9.4 9.4 9.4 24.6 0 33.9L413 289.4c-9.5 9.5-25 9.3-34.3-.4L264 168.6V456c0 13.3-10.7 24-24 24h-32c-13.3 0-24-10.7-24-24V168.6L69.2 289.1c-9.3 9.8-24.8 10-34.3.4z\"><\/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\"><b>Salaire maximum LPP (plafonnement):<\/b> CHF 90'720 en 2025 (CHF 88'200 en 2024)<\/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-d423e64 elementor-widget elementor-widget-text-editor\" data-id=\"d423e64\" 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 salaire maximal LPP est diminu\u00e9 de la d\u00e9duction de coordination s&rsquo;\u00e9levant \u00e0 <strong>CHF 26&rsquo;460<\/strong> (2025). Le r\u00e9sultat repr\u00e9sente le <strong>salaire coordonn\u00e9 maximal<\/strong>, qui correspond au <strong>salaire assur\u00e9<\/strong>. Ce dernier s&rsquo;\u00e9l\u00e8ve \u00e0 CHF 64&rsquo;260.<\/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-e1a580e elementor-widget elementor-widget-heading\" data-id=\"e1a580e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Questions fr\u00e9quentes sur les salaires assur\u00e9s dans la LPP<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bcf96cf elementor-widget-mobile__width-initial elementor-widget elementor-widget-toggle\" data-id=\"bcf96cf\" 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-1981\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1981\" 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 \u00eatre assur\u00e9 au del\u00e0 du salaire maximum LPP ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1981\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1981\"><p>Au-del\u00e0 de <strong data-start=\"500\" data-end=\"525\">CHF 90\u2019720<\/strong>, il n\u2019existe plus d\u2019obligation l\u00e9gale, mais la plupart des employeurs proposent une <strong data-start=\"609\" data-end=\"637\">assurance surobligatoire<\/strong>.<\/p><ul><li>Le <strong data-start=\"245\" data-end=\"274\">salaire maximal assurable<\/strong> dans ce cadre peut atteindre <strong data-start=\"304\" data-end=\"319\">CHF 907\u2019200<\/strong> (soit 10 fois le plafond LPP obligatoire).<\/li><li>Il n\u2019existe pas de <strong data-start=\"382\" data-end=\"422\">r\u00e8gles l\u00e9gales contraignantes<\/strong> sur les cotisations, le taux d\u2019int\u00e9r\u00eat ou le taux de conversion.<\/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-1982\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1982\" 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 cotiser \u00e0 la LPP si mon salaire se trouve en dessous du seuil d'entr\u00e9e ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1982\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-1982\"><p>Vous n\u2019\u00eates pas assur\u00e9 <strong>obligatoirement<\/strong> dans le cadre de la pr\u00e9voyance professionnelle. Cependant, un employeur peut d\u00e9cider d\u2019affilier <strong data-start=\"571\" data-end=\"598\">volontairement<\/strong> ses collaborateurs \u00e0 la caisse de pension, m\u00eame si leur revenu est inf\u00e9rieur au seuil l\u00e9gal.<\/p><p>Vous ne pouvez pas vous <strong data-start=\"1412\" data-end=\"1449\">affilier seul\u00b7e<\/strong> \u00e0 la LPP si vous \u00eates salari\u00e9\u00b7e.<\/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-1983\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-1983\" 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 m'affilier \u00e0 une caisse de pension en tant qu'ind\u00e9pendant ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1983\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-1983\"><p class=\"\" data-start=\"0\" data-end=\"336\">Oui, en tant qu\u2019ind\u00e9pendant reconnu par l\u2019AVS, vous pouvez vous affilier <strong data-start=\"59\" data-end=\"115\">volontairement<\/strong> \u00e0 une caisse de pension (LPP). Cette affiliation n\u2019est pas obligatoire, mais elle est possible aupr\u00e8s de certaines institutions ouvertes aux ind\u00e9pendants, comme la <strong data-start=\"256\" data-end=\"296\">Fondation institution suppl\u00e9tive LPP<\/strong> ou des <strong data-start=\"304\" data-end=\"335\">caisses collectives priv\u00e9es<\/strong>.<\/p><p class=\"\" data-start=\"338\" data-end=\"593\">Vous devrez alors payer l\u2019<strong data-start=\"362\" data-end=\"390\">entier<\/strong> des cotisations (part employeur + employ\u00e9) et d\u00e9finir vous-m\u00eame le niveau de couverture. Cela permet de constituer un <strong data-start=\"479\" data-end=\"528\">capital retraite <\/strong>compl\u00e9mentaire et de b\u00e9n\u00e9ficier de <strong data-start=\"549\" data-end=\"572\">d\u00e9ductions fiscales<\/strong>, comme les salari\u00e9s.<\/p><p class=\"\" data-start=\"595\" data-end=\"765\">Si vous ne vous affiliez pas \u00e0 une caisse de pension, vous pouvez quand m\u00eame cotiser au <a href=\"http:\/\/invexa.ch\/prevoyance\/pilier-3a-tout-savoir-sur-la-prevoyance-liee\/\"><strong data-start=\"683\" data-end=\"700\">3e pilier A<\/strong><\/a>, jusqu\u2019\u00e0 <strong data-start=\"710\" data-end=\"739\">CHF 36\u2019288<\/strong> par an en 2025 (20 % du revenu net AVS).<\/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-1984\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-1984\" 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\">Que repr\u00e9sente la d\u00e9duction de coordination ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1984\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-1984\"><p class=\"\" data-start=\"140\" data-end=\"387\">La <strong data-start=\"143\" data-end=\"172\">d\u00e9duction de coordination<\/strong> sert \u00e0 exclure de la pr\u00e9voyance professionnelle (2e pilier) la part du revenu d\u00e9j\u00e0 couverte par l\u2019<strong><a href=\"http:\/\/invexa.ch\/prevoyance\/1er-pilier-suisse-tout-savoir-sur-lavs-ai-et-prestations-complementaires\/\">AVS\/AI (1er pilier)<\/a><\/strong>. En 2025, elle s\u2019\u00e9l\u00e8ve \u00e0 <strong>CHF 26\u2019460<\/strong>, soit 7\/8 de la rente AVS maximale annuelle.<\/p><p class=\"\" data-start=\"389\" data-end=\"539\">Concr\u00e8tement, cela signifie que seul le salaire au-del\u00e0 de cette d\u00e9duction est assur\u00e9 par la LPP. C\u2019est ce qu\u2019on appelle le salaire coordonn\u00e9.<\/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\":\"Puis-je \\u00eatre assur\\u00e9 au del\\u00e0 du salaire maximum LPP ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Au-del\\u00e0 de <strong data-start=\\\"500\\\" data-end=\\\"525\\\">CHF 90\\u2019720<\\\/strong>, il n\\u2019existe plus d\\u2019obligation l\\u00e9gale, mais la plupart des employeurs proposent une <strong data-start=\\\"609\\\" data-end=\\\"637\\\">assurance surobligatoire<\\\/strong>.<\\\/p><ul><li>Le <strong data-start=\\\"245\\\" data-end=\\\"274\\\">salaire maximal assurable<\\\/strong> dans ce cadre peut atteindre <strong data-start=\\\"304\\\" data-end=\\\"319\\\">CHF 907\\u2019200<\\\/strong> (soit 10 fois le plafond LPP obligatoire).<\\\/li><li>Il n\\u2019existe pas de <strong data-start=\\\"382\\\" data-end=\\\"422\\\">r\\u00e8gles l\\u00e9gales contraignantes<\\\/strong> sur les cotisations, le taux d\\u2019int\\u00e9r\\u00eat ou le taux de conversion.<\\\/li><\\\/ul>\"}},{\"@type\":\"Question\",\"name\":\"Puis-je cotiser \\u00e0 la LPP si mon salaire se trouve en dessous du seuil d'entr\\u00e9e ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Vous n\\u2019\\u00eates pas assur\\u00e9 <strong>obligatoirement<\\\/strong> dans le cadre de la pr\\u00e9voyance professionnelle. Cependant, un employeur peut d\\u00e9cider d\\u2019affilier <strong data-start=\\\"571\\\" data-end=\\\"598\\\">volontairement<\\\/strong> ses collaborateurs \\u00e0 la caisse de pension, m\\u00eame si leur revenu est inf\\u00e9rieur au seuil l\\u00e9gal.<\\\/p><p>Vous ne pouvez pas vous <strong data-start=\\\"1412\\\" data-end=\\\"1449\\\">affilier seul\\u00b7e<\\\/strong> \\u00e0 la LPP si vous \\u00eates salari\\u00e9\\u00b7e.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Puis-je m'affilier \\u00e0 une caisse de pension en tant qu'ind\\u00e9pendant ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p class=\\\"\\\" data-start=\\\"0\\\" data-end=\\\"336\\\">Oui, en tant qu\\u2019ind\\u00e9pendant reconnu par l\\u2019AVS, vous pouvez vous affilier <strong data-start=\\\"59\\\" data-end=\\\"115\\\">volontairement<\\\/strong> \\u00e0 une caisse de pension (LPP). Cette affiliation n\\u2019est pas obligatoire, mais elle est possible aupr\\u00e8s de certaines institutions ouvertes aux ind\\u00e9pendants, comme la <strong data-start=\\\"256\\\" data-end=\\\"296\\\">Fondation institution suppl\\u00e9tive LPP<\\\/strong> ou des <strong data-start=\\\"304\\\" data-end=\\\"335\\\">caisses collectives priv\\u00e9es<\\\/strong>.<\\\/p><p class=\\\"\\\" data-start=\\\"338\\\" data-end=\\\"593\\\">Vous devrez alors payer l\\u2019<strong data-start=\\\"362\\\" data-end=\\\"390\\\">entier<\\\/strong> des cotisations (part employeur + employ\\u00e9) et d\\u00e9finir vous-m\\u00eame le niveau de couverture. Cela permet de constituer un <strong data-start=\\\"479\\\" data-end=\\\"528\\\">capital retraite <\\\/strong>compl\\u00e9mentaire et de b\\u00e9n\\u00e9ficier de <strong data-start=\\\"549\\\" data-end=\\\"572\\\">d\\u00e9ductions fiscales<\\\/strong>, comme les salari\\u00e9s.<\\\/p><p class=\\\"\\\" data-start=\\\"595\\\" data-end=\\\"765\\\">Si vous ne vous affiliez pas \\u00e0 une caisse de pension, vous pouvez quand m\\u00eame cotiser au <a href=\\\"http:\\\/\\\/invexa.ch\\\/prevoyance\\\/pilier-3a-tout-savoir-sur-la-prevoyance-liee\\\/\\\"><strong data-start=\\\"683\\\" data-end=\\\"700\\\">3e pilier A<\\\/strong><\\\/a>, jusqu\\u2019\\u00e0 <strong data-start=\\\"710\\\" data-end=\\\"739\\\">CHF 36\\u2019288<\\\/strong> par an en 2025 (20 % du revenu net AVS).<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Que repr\\u00e9sente la d\\u00e9duction de coordination ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p class=\\\"\\\" data-start=\\\"140\\\" data-end=\\\"387\\\">La <strong data-start=\\\"143\\\" data-end=\\\"172\\\">d\\u00e9duction de coordination<\\\/strong> sert \\u00e0 exclure de la pr\\u00e9voyance professionnelle (2e pilier) la part du revenu d\\u00e9j\\u00e0 couverte par l\\u2019<strong><a href=\\\"http:\\\/\\\/invexa.ch\\\/prevoyance\\\/1er-pilier-suisse-tout-savoir-sur-lavs-ai-et-prestations-complementaires\\\/\\\">AVS\\\/AI (1er pilier)<\\\/a><\\\/strong>. En 2025, elle s\\u2019\\u00e9l\\u00e8ve \\u00e0 <strong>CHF 26\\u2019460<\\\/strong>, soit 7\\\/8 de la rente AVS maximale annuelle.<\\\/p><p class=\\\"\\\" data-start=\\\"389\\\" data-end=\\\"539\\\">Concr\\u00e8tement, cela signifie que seul le salaire au-del\\u00e0 de cette d\\u00e9duction est assur\\u00e9 par la LPP. C\\u2019est ce qu\\u2019on appelle le salaire coordonn\\u00e9.<\\\/p>\"}}]}<\/script>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Quel est le salaire minimum et maximum pour \u00eatre affili\u00e9 \u00e0 une caisse de pension ? Salaire minimum LPP (seuil d&rsquo;entr\u00e9e): CHF 22&rsquo;680 en 2025 (CHF 22&rsquo;050 en 2024) Lorsque le salaire minimal LPP correspond au seuil d&rsquo;entr\u00e9e, la d\u00e9duction de coordination compl\u00e8te n&rsquo;est pas appliqu\u00e9e. A la place, le salaire assur\u00e9 s&rsquo;\u00e9l\u00e8vera \u00e0 CHF [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"content-type":"","footnotes":""},"categories":[30],"tags":[46,34,48],"class_list":["post-1300","post","type-post","status-publish","format-standard","hentry","category-prevoyance","tag-2eme-pilier","tag-lpp","tag-montants"],"_links":{"self":[{"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/posts\/1300","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/comments?post=1300"}],"version-history":[{"count":1,"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/posts\/1300\/revisions"}],"predecessor-version":[{"id":6592,"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/posts\/1300\/revisions\/6592"}],"wp:attachment":[{"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/media?parent=1300"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/categories?post=1300"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/tags?post=1300"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}