{"id":1688,"date":"2025-12-29T06:05:17","date_gmt":"2025-12-29T06:05:17","guid":{"rendered":"http:\/\/invexa.ch\/?p=1688"},"modified":"2026-03-24T07:56:22","modified_gmt":"2026-03-24T07:56:22","slug":"comparatif-3eme-pilier","status":"publish","type":"post","link":"https:\/\/invexa.ch\/fr\/prevoyance\/comparatif-3eme-pilier\/","title":{"rendered":"Comparatif 3\u00e8me pilier: quelle est la meilleure solution en 2026 ?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1688\" class=\"elementor elementor-1688\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-43e4165 e-flex e-con-boxed e-con e-parent\" data-id=\"43e4165\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-5417c96 e-con-full e-flex e-con e-child\" data-id=\"5417c96\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ce916f7 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"ce916f7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><nav aria-label=\"breadcrumbs\" class=\"rank-math-breadcrumb\"><p><span class=\"last\">Home<\/span><\/p><\/nav><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-04ee5e5 elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"04ee5e5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Comparatif 3\u00e8me pilier: quelle est la meilleure solution en 2026 ?<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dd67cf4 elementor-widget__width-inherit elementor-widget elementor-widget-theme-post-excerpt\" data-id=\"dd67cf4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-excerpt.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\tLe 3\u00e8me pilier est un outil cl\u00e9 de la pr\u00e9voyance en Suisse, mais toutes les solutions ne se valent pas. Compte bancaire, fonds de placement ou assurance-vie: chaque formule a ses sp\u00e9cificit\u00e9s en termes de rendement, de co\u00fbts, de flexibilit\u00e9 et de couverture. Ce comparatif, mis \u00e0 jour chaque mois, vous aide \u00e0 y voir clair.\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a8edbe8 e-con-full e-flex e-con e-child\" data-id=\"a8edbe8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-668f366 posts-slider elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"668f366\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#classement-assurance\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Classement assurances<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e2fbef7 posts-slider elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"e2fbef7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#classement-banque\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Classement banques<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9cd4a5c posts-slider elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"9cd4a5c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#classement-apps\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Classement apps<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-600794b posts-slider elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"600794b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#meilleur-3eme-pilier\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Meilleur 3\u00e8me pilier selon profil<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0d36a3c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0d36a3c\" 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-9fd4685\" data-id=\"9fd4685\" 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-b560edf e-flex e-con-boxed e-con e-parent\" data-id=\"b560edf\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-dbb2b64 e-con-full e-flex e-con e-child\" data-id=\"dbb2b64\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c0dedf9 elementor-widget elementor-widget-heading\" data-id=\"c0dedf9\" 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\">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-5811847 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"5811847\" 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\">Les solutions de 3\u00e8me pilier peuvent \u00eatre souscrites en <strong>banque ou en assurance<\/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\">En mars 2026, le <strong>meilleur taux du 3\u00e8me pilier A<\/strong> est propos\u00e9 par <strong>CEA \u00e0 1.25&nbsp;%<\/strong>, suivie d\u2019<strong>Allianz (1.00&nbsp;%)<\/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\">Les produits de 3\u00e8me pilier sont disponibles sous forme de <strong>compte r\u00e9mun\u00e9r\u00e9<\/strong>, <strong>assurance-vie<\/strong> et <strong>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 3\u00e8me pilier en assurance <strong>inclut des garanties suppl\u00e9mentaires<\/strong> (garantie de l\u2019\u00e9pargne, d\u00e9c\u00e8s, invalidit\u00e9).<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Il n'existe <strong>pas de taux minimal<\/strong> pour les comptes de 3\u00e8me pilier A, chaque banque 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<\/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-380ab5a elementor-widget elementor-widget-heading\" data-id=\"380ab5a\" 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 comptes pilier 3a<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8636b30 elementor-widget elementor-widget-text-editor\" data-id=\"8636b30\" 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 class=\"\" data-start=\"120\" data-end=\"595\">Le compte de pilier 3a bancaire est une forme de pr\u00e9voyance li\u00e9e dans laquelle les avoirs sont plac\u00e9s sur un compte d\u2019\u00e9pargne bloqu\u00e9, soumis \u00e0 un <strong>taux d\u2019int\u00e9r\u00eat<\/strong> d\u00e9fini par l\u2019\u00e9tablissement. Ce type de compte n\u2019offre pas de rendement \u00e9lev\u00e9, mais il garantit la s\u00e9curit\u00e9 du capital et une grande stabilit\u00e9. Il est souvent utilis\u00e9 pour conserver ses avoirs \u00e0 court ou moyen terme, notamment en vue d\u2019un retrait anticip\u00e9 (acquisition d\u2019un logement, passage \u00e0 l\u2019ind\u00e9pendance, etc.).<\/p><p class=\"\" data-start=\"597\" data-end=\"804\">Les conditions varient d\u2019une banque \u00e0 l\u2019autre, en particulier le taux d\u2019int\u00e9r\u00eat, les services en ligne et la souplesse administrative. 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-77468fe elementor-widget elementor-widget-html\" data-id=\"77468fe\" 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 3\u00e8me Pilier A<\/title>\n    \n    <style>\n        .calculator-container {\n            margin: 0 auto;\n            font-family: Manrope;\n        }\n\n        .calculator-container * {\n            box-sizing: border-box;\n            margin: 0;\n            padding: 0;\n        }\n\n        .calculator-container .input-section {\n            background: #071659;\n            padding: 30px;\n            border-radius: 16px;\n            margin-bottom: 30px;\n            color: white;\n        }\n\n        .calculator-container .input-section h2 {\n            font-size: 25px;\n            margin-bottom: 20px;\n            color: white;\n            text-align: center;\n        }\n\n        .calculator-container .input-grid {\n            display: grid;\n            grid-template-columns: 1fr 1fr;\n            gap: 20px;\n            margin-bottom: 20px;\n        }\n\n        .calculator-container .input-group {\n            display: flex;\n            flex-direction: column;\n        }\n\n        .calculator-container .input-group label {\n            font-weight: 600;\n            margin-bottom: 8px;\n            font-size: 0.95rem;\n        }\n\n        .calculator-container .input-group input {\n            padding: 12px 16px;\n            border: none;\n            border-radius: 8px;\n            font-size: 1rem;\n            background: rgba(255, 255, 255, 0.95);\n            transition: all 0.3s ease;\n        }\n\n        .calculator-container .input-group input:focus {\n            outline: none;\n            box-shadow: 0 0 0 3px rgba(255, 255, 255, 0.3);\n            background: white;\n        }\n\n        .calculator-container .retirement-info {\n            text-align: center;\n            font-size: 0.9rem;\n            opacity: 0.9;\n            font-style: italic;\n        }\n\n        .calculator-container .error {\n            color: #e53e3e;\n            font-size: 0.85rem;\n            margin-top: 4px;\n        }\n\n        .calculator-container .table-container {\n            background: white;\n            border-radius: 12px;\n            overflow: hidden;\n        }\n\n        .calculator-container .taux-details {\n            font-size: 13px;\n            font-weight: 400;\n        }\n\n        .calculator-container .table-scroll {\n            overflow-x: auto;\n            -webkit-overflow-scrolling: touch;\n            width: 100%;\n        }\n\n        .calculator-container table {\n            width: 100%;\n            border-collapse: collapse;\n            table-layout: auto;\n        }\n\n        \/* \u2500\u2500 THE FIX: scoped th so other stylesheets can't override it \u2500\u2500 *\/\n        .calculator-container thead th {\n            background: #071659 !important;\n            color: white !important;\n            padding: 16px;\n            text-align: left;\n            font-weight: 600;\n            cursor: pointer;\n            position: relative;\n            user-select: none;\n            white-space: nowrap;\n            word-break: normal;\n            font-size: 0.85rem;\n        }\n\n        .calculator-container thead th:hover {\n            background: rgba(7, 22, 89, 0.85) !important;\n        }\n\n        .calculator-container thead th.sortable::after {\n            content: '\u2195';\n            position: absolute;\n            right: 8px;\n            opacity: 0.6;\n        }\n\n        .calculator-container thead th.sort-asc::after {\n            content: '\u2191';\n            opacity: 1;\n        }\n\n        .calculator-container thead th.sort-desc::after {\n            content: '\u2193';\n            opacity: 1;\n        }\n\n        .calculator-container tbody td {\n            padding: 16px;\n            border-bottom: 1px solid #e2e8f0;\n            vertical-align: middle;\n            background: white !important;\n            font-size: 0.85rem;\n            word-break: break-word;\n        }\n\n        .calculator-container tbody tr:hover td {\n            background: #f7f9fc !important;\n        }\n\n        .calculator-container .bank-info {\n            display: flex;\n            align-items: center;\n            gap: 12px;\n        }\n\n        .calculator-container .bank-logo {\n            width: 100px;\n            height: 50px;\n            object-fit: contain;\n            border-radius: 6px;\n            background: white;\n            padding: 4px;\n            flex-shrink: 0;\n        }\n\n        .calculator-container .bank-details h4 {\n            font-size: 0.95rem;\n            font-weight: 600;\n            color: #2d3748;\n            margin-bottom: 2px;\n            white-space: normal;\n        }\n\n        .calculator-container .bank-details p {\n            font-size: 0.85rem;\n            color: #718096;\n            white-space: normal;\n        }\n\n        .calculator-container .interest-cell {\n            text-align: center;\n        }\n\n        .calculator-container .interest-rate {\n            font-size: 1.1rem;\n            font-weight: 700;\n            color: #2d3748;\n        }\n\n        .calculator-container .capital-cell {\n            text-align: center;\n        }\n\n        .calculator-container .capital-amount {\n            font-size: 1.2rem;\n            font-weight: 700;\n            color: #16a085;\n        }\n\n        .calculator-container .capital-details {\n            font-size: 0.8rem;\n            color: #718096;\n            margin-top: 4px;\n        }\n\n        .calculator-container .best-badge {\n            background: #f6ad55;\n            color: white;\n            padding: 4px 8px;\n            border-radius: 4px;\n            font-size: 0.7rem;\n            font-weight: 600;\n            margin-left: 8px;\n        }\n\n        @media (max-width: 1024px) {\n            .calculator-container thead th,\n            .calculator-container tbody td { padding: 12px; }\n            .calculator-container .bank-logo { width: 72px; height: 40px; }\n        }\n\n        @media (max-width: 768px) {\n            .calculator-container .input-grid { grid-template-columns: 1fr; }\n            .calculator-container .bank-info { flex-direction: column; align-items: flex-start; gap: 8px; }\n            .calculator-container .bank-logo { width: 40px; height: 30px; }\n        }\n\n        @media (max-width: 480px) {\n            .calculator-container thead th,\n            .calculator-container tbody td { padding: 10px 8px; }\n            .calculator-container .interest-rate { font-size: 0.85rem; }\n            .calculator-container .capital-amount { font-size: 0.9rem; }\n            .calculator-container .bank-details h4 { font-size: 0.8rem; }\n        }\n    <\/style>\n<\/head>\n<body>\n    <div class=\"calculator-container\">\n        <div class=\"input-section\">\n            <h2>Calculateur de Capital 3\u00e8me pilier A<\/h2>\n            <div class=\"input-grid\">\n                <div class=\"input-group\">\n                    <label for=\"birthYear\">Ann\u00e9e de naissance<\/label>\n                    <input type=\"date\" id=\"birthYear\" value=\"1990-01-01\">\n                    <div class=\"error\" id=\"birthYearError\"><\/div>\n                <\/div>\n                <div class=\"input-group\">\n                    <label for=\"annualPayment\">Versement annuel (CHF)<\/label>\n                    <input type=\"number\" id=\"annualPayment\" value=\"7258\" max=\"7258\" min=\"0\" step=\"1\">\n                    <div class=\"error\" id=\"annualPaymentError\"><\/div>\n                <\/div>\n            <\/div>\n            <div class=\"retirement-info\">\n                D\u00e9part \u00e0 la retraite \u00e0 65 ans\n            <\/div>\n        <\/div>\n\n        <div class=\"table-container\">\n            <div class=\"table-scroll\">\n                <table>\n                    <thead>\n                        <tr>\n                            <th>Prestataire<\/th>\n                            <th class=\"sortable\" onclick=\"sortTable('rate')\">Taux<div class=\"taux-details\">02.2026<\/div><\/th>\n                            <th class=\"sortable\" onclick=\"sortTable('capital')\">Capital final<\/th>\n                        <\/tr>\n                    <\/thead>\n                    <tbody id=\"tableBody\">\n                    <\/tbody>\n                <\/table>\n            <\/div>\n        <\/div>\n    <\/div>\n\n    <script>\n        const banks = [\n            { name: \"CEA\", product: \"Compte 3e pilier\", rate: 1.25, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/Caisse-epargne-aubonne-300x78.png\" },\n            { name: \"Caisse d'Epargne de Nyon\", product: \"Compte 3\u00e8me pilier\", rate: 0.85, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/12\/logo_cen.jpg\" },\n            { name: \"Acrevis\", product: \"Compte 3a\", rate: 0.25, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/Acrevis-300x102.png\" },\n            { name: \"Allianz\", product: \"Flex Saving\", rate: 1.0, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/Allianz-300x77.png\" },\n            { name: \"Corn\u00e8r Banque\", product: \"Corn\u00e8r3\", rate: 0.6, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/Corner-Bank-Corner3.png\" },\n            { name: \"Radicant\", product: \"compte de pr\u00e9voyance 3a\", rate: 0.75, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/radicant-e1746106526214-300x85.jpg\" },\n            { name: \"Cr\u00e9dit Agricole Next Bank\", product: \"Epargne 3a\", rate: 0.65, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/Credit-Agricole-Next-Bank-Epargne-3a-e1746105761241-300x64.jpg\" },\n            { name: \"Tellco\", product: \"Compte de pr\u00e9voyance 3a\", rate: 0.6, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/tellco-300x65.png\" },\n            { name: \"Bank CIC (Schweiz) AG\", product: \"3a\", rate: 0.6, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/CIC-300x143.png\" },\n            { name: \"BBO Bank Brienz Oberhasli\", product: \"Compte de pr\u00e9voyance 3a Rendita\", rate: 0.3, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/BBO-Bank-Brienz-Oberhasli-e1746106093429-300x65.png\" },\n            { name: \"EEK Bank\", product: \"Compte de pr\u00e9voyance pilier 3a\", rate: 0.5, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/EEK-Bank.png\" },\n            { name: \"Caisse d'Epargne de Cossonay\", product: \"3\u1d49 Pilier \/ Privor compte de pr\u00e9voyance\", rate: 0.5, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/Caisse-dEpargne-de-Cossonay-300x150.png\" },\n            { name: \"Clientis Sparcassa 1816\", product: \"Compte de pr\u00e9voyance 3a\", rate: 0.3, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/Clientis-Sparcassa-1816-300x102.png\" },\n            { name: \"TrueWealth\", product: \"Compte de pr\u00e9voyance 3a\", rate: 0.45, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/TrueWealth-300x79.png\" },\n            { name: \"WIR Bank\", product: \"Compte de pr\u00e9voyance 3a TERZO\", rate: 0.40, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/WIR-Bank-e1746109049878-300x92.png\" },\n            { name: \"Banque Cantonale Fribourg\", product: \"Compte \u00e9pargne 3\", rate: 0.4, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/Banque_Cantonale_de_Fribourg-e1746106806502-300x72.png\" },\n            { name: \"Banque Cler\", product: \"Compte de pr\u00e9voyance 3\", rate: 0.35, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/Banque-Cler-300x59.png\" },\n            { name: \"Bezirks-Sparkasse Dielsdorf\", product: \"Compte de pr\u00e9voyance 3a Rendita\", rate: 0.35, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/Bezirks-Sparkasse-Dielsdorf-300x54.png\" },\n            { name: \"Raiffeisen\", product: \"Compte de pr\u00e9voyance 3a\", rate: 0.2, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/Raiffeisen.svg\" },\n            { name: \"Alpha Rheintal Bank\", product: \"Compte 3a\", rate: 0.2, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/Alpha-Rheintal-Bank-300x104.png\" },\n            { name: \"Baloise Bank\", product: \"Compte de pr\u00e9voyance Invest Epargne 3\", rate: 0.20, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/Baloise-Bank-300x36.png\" },\n            { name: \"Thurgauer Kantonalbank\", product: \"Compte Epargne 3\", rate: 0.25, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/Thurgauer-Kantonalbank-300x65.png\" },\n            { name: \"Basler Kantonalbank\", product: \"Compte Epargne 3\", rate: 0.3, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/Basler-Kantonalbank-300x66.png\" },\n            { name: \"Basellandschaftliche KB\", product: \"Epargne 3\", rate: 0.3, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/Basellandschaftliche-KB.svg\" },\n            { name: \"Bank Gantrisch\", product: \"Pilier 3a\", rate: 0.3, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/Bank-Gantrisch.png\" },\n            { name: \"Banca dello Stato del Cantone Ticino\", product: \"Compte d'\u00e9pargne 3\", rate: 0.3, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/Banca-dello-Stato-del-Cantone-Ticino-e1746108426938-300x74.png\" },\n            { name: \"Sparkasse Schwyz\", product: \"Compte de pr\u00e9voyance 3a\", rate: 0.3, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/Sparkasse-Schwyz-300x120.jpg\" },\n            { name: \"Appenzeller Kantonalbank\", product: \"\u00c9pargne 3\", rate: 0.25, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/Appenzeller-Kantonalbank.svg\" },\n            { name: \"DC Bank\", product: \"Compte de pr\u00e9voyance 3a\", rate: 0.35, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/DC-Bank-e1746108237730.png\" },\n            { name: \"Banque Cantonale Neuch\u00e2teloise\", product: \"Compte de pr\u00e9voyance Epargne 3\", rate: 0.25, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/BCN.svg\" },\n            { name: \"Obwaldner Kantonalbank\", product: \"Compte de pr\u00e9voyance 3a\", rate: 0.25, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/Obwaldner-Kantonalbank.svg\" },\n            { name: \"Banque Cantonale Valais\", product: \"Compte Epargne 3e pilier\", rate: 0.25, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/Banque-Cantonale-Valais-300x86.png\" },\n            { name: \"Bank BSU\", product: \"Compte de pr\u00e9voyance PRIVOR 3e pilier\", rate: 0.25, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/Banque-BSU.svg\" },\n            { name: \"Bernerland Bank\", product: \"Pilier 3a\", rate: 0.25, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/Bernerland-Bank-e1746448281179-300x69.jpg\" },\n            { name: \"Valiant\", product: \"Compte de pr\u00e9voyance PRIVOR 3a\", rate: 0.25, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/Valiant-300x79.jpg\" },\n            { name: \"Berner Kantonalbank\", product: \"Compte 3a\", rate: 0.2, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/Berner-Kantonalbank-300x42.png\" },\n            { name: \"Glarner Kantonalbank\", product: \"Compte de pr\u00e9voyance 3a\", rate: 0.2, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/Glarner-Kantonalbank-300x63.png\" },\n            { name: \"St. Galler Kantonalbank\", product: \"Compte Epargne 3\", rate: 0.2, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/St.-Galler-Kantonalbank-300x65.png\" },\n            { name: \"Schwyzer Kantonalbank\", product: \"Compte Epargne 3\", rate: 0.2, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/Schwyzer-Kantonalbank-300x62.png\" },\n            { name: \"Urner Kantonalbank\", product: \"Compte 3a\", rate: 0.20, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/Urner-Kantonalbank.svg\" },\n            { name: \"Banque Migros\", product: \"Compte de pr\u00e9voyance 3a\", rate: 0.2, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/Banque-Migros-e1746108730155-300x54.png\" },\n            { name: \"Banca Popolare di Sondrio\", product: \"Compte de pr\u00e9voyance 3a Life Benefit\", rate: 0.2, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/Banca-Popolare-di-Sondrio-300x49.png\" },\n            { name: \"Spar+Leihkasse M\u00fcnsingen\", product: \"Privor Pr\u00e9voyance pilier 3a\", rate: 0.2, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/SparLeihkasse-Munsingen-e1746449657223-300x64.png\" },\n            { name: \"UBS\", product: \"Compte Fisca 3a\", rate: 0.2, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/UBS-300x150.jpg\" },\n            { name: \"Bank Avera\", product: \"Compte de pr\u00e9voyance PRIVOR troisi\u00e8me pilier\", rate: 0.15, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/Banque-Avera-e1746448106484-300x53.png\" },\n            { name: \"Nidwaldner Kantonalbank\", product: \"Compte de pr\u00e9voyance 3a\", rate: 0.15, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/Nidwaldner-Kantonalbank-300x67.png\" },\n            { name: \"Graub\u00fcndner Kantonalbank\", product: \"3a\", rate: 0.15, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/Graubundner-Kantonalbank-300x63.png\" },\n            { name: \"Z\u00fcrcher Kantonalbank\", product: \"Compte Epargne 3\", rate: 0.15, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/Zurcher-Kantonalbank-300x73.png\" },\n            { name: \"Banque Cantonale Gen\u00e8ve\", product: \"Compte Epargne 3\", rate: 0.15, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/Banque-Cantonale-Geneve-300x79.jpg\" },\n            { name: \"Hypothekarbank Lenzburg\", product: \"Compte de pr\u00e9voyance 3a\", rate: 0.125, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/Hypothekarbank-Lenzburg-e1746449716896-300x69.jpg\" },\n            { name: \"Banque cantonale du Jura\", product: \"Epargne 3\", rate: 0.1, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/Banque-cantonale-du-Jura-300x80.png\" },\n            { name: \"Luzerner Kantonalbank\", product: \"Compte de pr\u00e9voyance 3a\", rate: 0.1, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/Luzerner-Kantonalbank-300x64.png\" },\n            { name: \"Schaffhauser Kantonalbank\", product: \"Compte de pr\u00e9voyance 3a\", rate: 0.1, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/Schaffhauser-Kantonalbank-1.svg\" },\n            { name: \"Swissquote\", product: \"3a EASY\", rate: 0.1, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/Swissquote-e1746450259432-300x62.webp\" },\n            { name: \"Zuger Kantonalbank\", product: \"Compte Epargne 3\", rate: 0.1, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/Zuger-Kantonalbank-1-300x57.png\" },\n            { name: \"Banque du L\u00e9man\", product: \"Point FiscaL\u00e9man Compte r\u00e9mun\u00e9r\u00e9\", rate: 0.10, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/Banque-du-Leman.webp\" },\n            { name: \"Aargauische Kantonalbank\", product: \"Compte 3a\", rate: 0.05, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/Aargauische-Kantonalbank.svg\" },\n            { name: \"Postfinance\", product: \"Compte de pr\u00e9voyance 3a\", rate: 0.05, logo: \"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/Postfinance-e1746448763131-300x86.png\" }\n        ];\n\n        let sortDirection = 'desc';\n        let sortColumn = 'capital';\n\n        function calculateYears() {\n            const birthDate = new Date(document.getElementById('birthYear').value);\n            const age = new Date().getFullYear() - birthDate.getFullYear();\n            return Math.max(0, 65 - age);\n        }\n\n        function calculateCapital(payment, rate, years) {\n            if (rate === 0) return payment * years;\n            return payment * (Math.pow(1 + rate\/100, years) - 1) \/ (rate\/100);\n        }\n\n        function formatMoney(amount) {\n            return new Intl.NumberFormat('fr-CH', {\n                style: 'currency',\n                currency: 'CHF',\n                minimumFractionDigits: 0,\n                maximumFractionDigits: 0\n            }).format(amount);\n        }\n\n        function validate() {\n            const birthDate = new Date(document.getElementById('birthYear').value);\n            const age = new Date().getFullYear() - birthDate.getFullYear();\n            const payment = parseFloat(document.getElementById('annualPayment').value);\n            \n            document.getElementById('birthYearError').textContent = '';\n            document.getElementById('annualPaymentError').textContent = '';\n            \n            let valid = true;\n            \n            if (age < 18) {\n                document.getElementById('birthYearError').textContent = 'Vous devez avoir au moins 18 ans';\n                valid = false;\n            }\n            if (age >= 65) {\n                document.getElementById('birthYearError').textContent = 'Calcul non disponible pour les personnes de 65 ans et plus';\n                valid = false;\n            }\n            if (payment < 0 || payment > 7258) {\n                document.getElementById('annualPaymentError').textContent = 'Montant entre 0 et CHF 7\\'258';\n                valid = false;\n            }\n            \n            return valid;\n        }\n\n        function updateTable() {\n            if (!validate()) return;\n            \n            const years = calculateYears();\n            const payment = parseFloat(document.getElementById('annualPayment').value);\n            \n            if (years <= 0) return;\n            \n            banks.forEach(bank => {\n                bank.capital = calculateCapital(payment, bank.rate, years);\n            });\n            \n            banks.sort((a, b) => {\n                let aVal = sortColumn === 'rate' ? a.rate : a.capital;\n                let bVal = sortColumn === 'rate' ? b.rate : b.capital;\n                return sortDirection === 'asc' ? aVal - bVal : bVal - aVal;\n            });\n            \n            const bestBank = banks.reduce((prev, curr) => prev.capital > curr.capital ? prev : curr);\n            \n            const tbody = document.getElementById('tableBody');\n            tbody.innerHTML = banks.map(bank => {\n                const isBest = bank === bestBank;\n                return `\n                    <tr>\n                        <td>\n                            <div class=\"bank-info\">\n                                <img decoding=\"async\" src=\"${bank.logo}\" alt=\"${bank.name}\" class=\"bank-logo\">\n                                <div class=\"bank-details\">\n                                    <h4>${bank.name}${isBest ? '<span class=\"best-badge\">MEILLEUR<\/span>' : ''}<\/h4>\n                                    <p>${bank.product}<\/p>\n                                <\/div>\n                            <\/div>\n                        <\/td>\n                        <td class=\"interest-cell\">\n                            <div class=\"interest-rate\">${bank.rate}%<\/div>\n                        <\/td>\n                        <td class=\"capital-cell\">\n                            <div class=\"capital-amount\">${formatMoney(bank.capital)}<\/div>\n                            <div class=\"capital-details\">apr\u00e8s ${years} ann\u00e9es<\/div>\n                        <\/td>\n                    <\/tr>\n                `;\n            }).join('');\n        }\n\n        function sortTable(column) {\n            if (sortColumn === column) {\n                sortDirection = sortDirection === 'asc' ? 'desc' : 'asc';\n            } else {\n                sortColumn = column;\n                sortDirection = 'desc';\n            }\n            \n            document.querySelectorAll('.calculator-container thead th').forEach(th => {\n                th.classList.remove('sort-asc', 'sort-desc');\n            });\n            \n            const header = document.querySelector(`.calculator-container thead th.sortable[onclick=\"sortTable('${column}')\"]`);\n            if (header) {\n                header.classList.add(sortDirection === 'asc' ? 'sort-asc' : 'sort-desc');\n            }\n            \n            updateTable();\n        }\n\n        const today = new Date();\n        const maxDate = new Date(today.getFullYear() - 18, today.getMonth(), today.getDate());\n        document.getElementById('birthYear').max = maxDate.toISOString().split('T')[0];\n\n        document.getElementById('birthYear').addEventListener('input', updateTable);\n        document.getElementById('annualPayment').addEventListener('input', updateTable);\n\n        updateTable();\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-6688bea elementor-widget elementor-widget-heading\" data-id=\"6688bea\" 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 3a ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fc28b5a elementor-widget elementor-widget-text-editor\" data-id=\"fc28b5a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>En d\u00e9cembre 2025, le taux d&rsquo;int\u00e9r\u00eat le plus \u00e9lev\u00e9 sur compte 3a est propos\u00e9 par la <strong>Caisse d&rsquo;Epargne d&rsquo;Aubonne (CEA)<\/strong> \u00e0 <strong>1.25%<\/strong>, suivi d&rsquo;Allianz \u00e0 1%.<\/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<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-e18a40a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e18a40a\" 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-ad6edf6\" data-id=\"ad6edf6\" 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-792d5be elementor-widget elementor-widget-heading\" data-id=\"792d5be\" 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\">Limites de cotisations<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-95051c0 elementor-widget elementor-widget-text-editor\" data-id=\"95051c0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>En 2026, il est possible de verser les <strong><a href=\"http:\/\/invexa.ch\/prevoyance\/montant-maximum-3eme-pilier-a\/\">montants<\/a> <\/strong>suivants dans la pr\u00e9voyance individuelle li\u00e9e:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-113b2a4 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"113b2a4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Salari\u00e9 affili\u00e9 \u00e0 une caisse de pension:<\/strong> Jusqu'\u00e0 CHF 7'258 \/ an<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Ind\u00e9pendant ou salari\u00e9 non affili\u00e9 \u00e0 un caisse de pension:<\/strong> 20% de revenu, au maximum CHF 36'288<\/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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-c541b3e elementor-widget elementor-widget-heading\" data-id=\"c541b3e\" 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 meilleur 3\u00e8me pilier en suisse ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d5b8b80 elementor-widget elementor-widget-text-editor\" data-id=\"d5b8b80\" 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>C\u2019est l\u2019une des questions les plus recherch\u00e9es en mati\u00e8re de pr\u00e9voyance priv\u00e9e. Pourtant, elle est souvent mal pos\u00e9e. Il n\u2019existe pas un meilleur 3\u00e8me pilier universel valable pour tout le monde. Il existe en revanche une solution plus adapt\u00e9e \u00e0 votre situation personnelle.<\/p><p>Le <a href=\"https:\/\/invexa.ch\/prevoyance\/pilier-3a\/\">3\u00e8me pilier A<\/a> poursuit trois objectifs fondamentaux :<\/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-5e02d26 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"5e02d26\" 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\">Constituer un capital retraite (vieillesse)<\/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\">Prot\u00e9ger contre le risque d\u2019invalidit\u00e9<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Prot\u00e9ger ses proches en cas de d\u00e9c\u00e8s<\/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-4d0b656 elementor-widget elementor-widget-text-editor\" data-id=\"4d0b656\" 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>Ces trois dimensions correspondent aux fondements m\u00eames du syst\u00e8me suisse de pr\u00e9voyance (1er, 2e et 3e pilier).<br \/>Certaines solutions privil\u00e9gient le rendement \u00e0 long terme (forte exposition aux actions). D\u2019autres mettent l\u2019accent sur la s\u00e9curit\u00e9 du capital. D\u2019autres encore combinent \u00e9pargne et couverture assurantielle. Le \u201cmeilleur\u201d 3\u00e8me pilier d\u00e9pend donc :<\/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-a7bab09 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"a7bab09\" 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\">De votre horizon de placement<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg 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\">De votre situation familiale<\/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\">De votre statut professionnel (salari\u00e9 ou ind\u00e9pendant)<\/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\">De votre tol\u00e9rance au 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\">De votre besoin de protection compl\u00e9mentaire<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6eb4b32 elementor-widget elementor-widget-heading\" data-id=\"6eb4b32\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Pourquoi comparer les solutions de 3\u00e8me pilier ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-52638fb elementor-widget elementor-widget-text-editor\" data-id=\"52638fb\" 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 march\u00e9 suisse du 3\u00e8me pilier a fortement \u00e9volu\u00e9 ces derni\u00e8res ann\u00e9es.<br \/>On distingue aujourd\u2019hui trois grandes cat\u00e9gories d\u2019offres :<\/p><p><strong>1.<\/strong> Les assurances 3a\/3b<br \/><strong>2.<\/strong> Les banques traditionnelles<br \/><strong>3.<\/strong> Les plateformes digitales (fintech)<\/p><p>Ces solutions reposent sur des logiques diff\u00e9rentes :<\/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-62af137 elementor-widget elementor-widget-text-editor\" data-id=\"62af137\" 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>Comparer les solutions est essentiel, car les diff\u00e9rences de frais, de structure et de couverture peuvent repr\u00e9senter plusieurs dizaines de milliers de francs sur une vie enti\u00e8re d\u2019\u00e9pargne.<\/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-bc0698d elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"bc0698d\" 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\">Les assurances combinent \u00e9pargne et gestion des risques.<\/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 banques proposent des comptes 3a ou des fonds de pr\u00e9voyance.<\/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 plateformes digitales optimisent l\u2019investissement en titres avec des frais r\u00e9duits.<\/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-6761119 elementor-widget elementor-widget-text-editor\" data-id=\"6761119\" 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 diff\u00e9rences entre les solutions de 3\u00e8me pilier peuvent avoir un impact majeur sur votre capital final et votre niveau de protection. Une variation de seulement 1 % de frais annuels peut r\u00e9duire le capital accumul\u00e9 de plus de 20 % sur 30 \u00e0 40 ans. De plus, le niveau de risque varie fortement selon les offres : certaines investissent jusqu\u2019\u00e0 99 % en actions, tandis que d\u2019autres adoptent une approche plus conservatrice. Enfin, toutes les solutions n\u2019int\u00e8grent pas automatiquement une couverture en cas d\u2019invalidit\u00e9 ou de d\u00e9c\u00e8s, un \u00e9l\u00e9ment pourtant central en mati\u00e8re de pr\u00e9voyance.<\/p><p>Comparer permet donc d\u2019\u00e9viter deux erreurs fr\u00e9quentes : se baser uniquement sur le rendement affich\u00e9 et n\u00e9gliger la dimension assurantielle. Un comparatif structur\u00e9 analyse objectivement les frais totaux, la qualit\u00e9 et la diversification des fonds, la solidit\u00e9 de l\u2019institution, la couverture des risques et la flexibilit\u00e9. L\u2019objectif n\u2019est pas de d\u00e9signer une solution universelle, mais d\u2019identifier celle qui correspond r\u00e9ellement \u00e0 votre profil de pr\u00e9voyance.<\/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-3ef31ef elementor-widget elementor-widget-heading\" data-id=\"3ef31ef\" 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\">Solutions d'investissement VS solutions de pr\u00e9voyance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9922baa elementor-widget elementor-widget-text-editor\" data-id=\"9922baa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Le pilier 3a peut \u00eatre souscrit aupr\u00e8s de <a href=\"https:\/\/invexa.ch\/prevoyance\/3eme-pilier-assurance-ou-banque\/\">deux types d&rsquo;\u00e9tablissements<\/a> : les banques et les compagnies d&rsquo;assurance.<\/p><p><strong>1.<\/strong> En <strong>banque<\/strong>, l&rsquo;objectif est la <strong>constitution d&rsquo;un capital<\/strong> via un compte d&rsquo;\u00e9pargne ou des fonds de placement. Les versements sont libres dans la limite du plafond l\u00e9gal, et les frais varient sensiblement selon les prestataires, les fonds, et strat\u00e9gies choisies.<\/p><p><strong>2.<\/strong> En <a href=\"https:\/\/invexa.ch\/prevoyance\/assurance-3eme-pilier-a-quoi-faut-il-faire-attention\/\">assurance<\/a>, le contrat combine <strong>\u00e9pargne et couverture des risques<\/strong> : incapacit\u00e9 de gain, d\u00e9c\u00e8s, et lib\u00e9ration des primes. Cette derni\u00e8re garantit la poursuite des versements par l&rsquo;assureur en cas d&rsquo;arr\u00eat de travail prolong\u00e9, assurant ainsi la constitution du capital retraite ind\u00e9pendamment de la situation professionnelle de l&rsquo;assur\u00e9.<\/p><p>Ces deux approches sont compl\u00e9mentaires. Pour de nombreux profils, leur <strong>combinaison<\/strong> constitue la <strong>strat\u00e9gie la plus compl\u00e8te<\/strong>: une solution bancaire pour la performance pure, et un contrat d&rsquo;assurance pour la couverture des risques. Le choix d\u00e9pend avant tout de la situation personnelle, familiale et professionnelle de chaque assur\u00e9.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dbad306 elementor-widget elementor-widget-heading\" data-id=\"dbad306\" 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\">Meilleur 3\u00e8me pilier: classement par cat\u00e9gorie<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-985074c elementor-widget elementor-widget-menu-anchor\" data-id=\"985074c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"classement-assurance\"><\/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-ba978d7 elementor-widget elementor-widget-heading\" data-id=\"ba978d7\" 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\">Meilleur 3\u00e8me pilier en assurance<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7310edf elementor-widget elementor-widget-text-editor\" data-id=\"7310edf\" 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 assurances 3a ou 3b combinent \u00e9pargne retraite et couverture des risques (d\u00e9c\u00e8s et invalidit\u00e9). Contrairement aux solutions purement bancaires ou digitales, elles int\u00e8grent une dimension assurantielle qui compl\u00e8te les prestations du 1er et du 2e pilier. Elles s\u2019adressent aux personnes qui souhaitent s\u00e9curiser leur situation financi\u00e8re tout en constituant un capital \u00e0 long terme.<\/p><p>Dans cette cat\u00e9gorie, le classement prend en compte non seulement le rendement potentiel et les frais, mais aussi la qualit\u00e9 et le nombre de couvertures propos\u00e9es, la transparence des co\u00fbts et la flexibilit\u00e9 contractuelle.<\/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-0f34a8c elementor-widget elementor-widget-html\" data-id=\"0f34a8c\" 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 Assurances 3a Suisse 2026<\/title>\n<link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\">\n<link 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  border: 1px solid rgba(220,38,38,0.18); }\n  .c-sky  { background: var(--sky-dim);   color: var(--navy-mid); border: 1px solid rgba(181,224,248,0.4); }\n  .c-dim  { background: var(--grey-100);  color: var(--grey-400); border: 1px solid var(--grey-200); }\n\n  .ter-row {\n    display: flex;\n    align-items: center;\n    justify-content: center;\n    gap: 6px;\n    flex-wrap: nowrap;\n  }\n\n  .ter-label {\n    font-size: 11px;\n    font-weight: 600;\n    color: var(--grey-400);\n    letter-spacing: 0.04em;\n    text-transform: uppercase;\n    white-space: nowrap;\n  }\n\n  .st {\n    display: inline-flex;\n    align-items: center;\n    gap: 5px;\n    font-size: 13px;\n    font-weight: 600;\n    padding: 4px 13px;\n    border-radius: 20px;\n  }\n\n  .st-yes  { background: var(--green-bg);  color: var(--green); border: 1px solid rgba(22,163,74,0.22); }\n  .st-part { background: var(--green-bg);  color: var(--green); border: 1px solid rgba(22,163,74,0.22); }\n  .st-no   { background: var(--grey-100);  color: var(--grey-400); border: 1px solid var(--grey-200); }\n\n  .fl {\n    list-style: none;\n    text-align: left;\n    display: flex;\n    flex-direction: column;\n    gap: 5px;\n  }\n\n  .fl li {\n    font-size: 13px;\n    color: var(--grey-600);\n    line-height: 1.4;\n    padding-left: 11px;\n    position: relative;\n  }\n\n  .fl li::before {\n    content: '\u00b7';\n    position: absolute;\n    left: 0;\n    color: var(--navy-light);\n    font-size: 15px;\n    line-height: 1.05;\n  }\n\n  .sw {\n    display: flex;\n    flex-direction: column;\n    align-items: center;\n    gap: 4px;\n  }\n\n  .sb {\n    font-size: 12px;\n    padding: 3px 11px;\n    border-radius: 10px;\n    background: var(--grey-100);\n    color: var(--grey-600);\n    border: 1px solid var(--grey-200);\n    white-space: nowrap;\n    font-weight: 500;\n  }\n\n  .sc-low { color: var(--grey-400); font-size: 14px; font-weight: 500; }\n  .sc-mid { color: var(--navy);     font-size: 14px; font-weight: 700; }\n  .sc-hi  { color: var(--navy-mid); font-size: 14px; font-weight: 700; }\n\n  .pro-con {\n    list-style: none;\n    text-align: left;\n    display: flex;\n    flex-direction: column;\n    gap: 6px;\n  }\n\n  .pro-con li {\n    font-size: 12px;\n    line-height: 1.4;\n    padding-left: 18px;\n    position: relative;\n  }\n\n  .pro-con li.pro { color: var(--green); }\n  .pro-con li.pro::before { content: '\u2713'; position: absolute; left: 0; font-weight: 700; color: var(--green); }\n  .pro-con li.con { color: var(--red); }\n  .pro-con li.con::before { content: '\u2717'; position: absolute; left: 0; font-weight: 700; color: var(--red); }\n\n  \/* \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 MOBILE CARDS \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n  .ins-mobile {\n    display: none;\n  }\n\n  .mobile-cards {\n    display: flex;\n    flex-direction: column;\n    gap: 0;\n    border: 1px solid var(--grey-200);\n    border-radius: 14px;\n    overflow: hidden;\n  }\n\n  .mc {\n    border-bottom: 1px solid var(--grey-200);\n    background: var(--white);\n  }\n\n  .mc:last-child { border-bottom: none; }\n\n  .mc-header {\n    background: var(--navy);\n    padding: 14px 16px;\n    display: flex;\n    align-items: center;\n    justify-content: space-between;\n    gap: 10px;\n  }\n\n  .mc-name {\n    font-size: 16px;\n    font-weight: 800;\n    color: var(--white);\n    letter-spacing: -0.01em;\n  }\n\n  .mc-type {\n    font-size: 11px;\n    font-weight: 600;\n    color: rgba(255,255,255,0.55);\n    letter-spacing: 0.07em;\n    text-transform: uppercase;\n    margin-top: 2px;\n  }\n\n  .mc-body {\n    padding: 0;\n  }\n\n  .mc-section {\n    background: var(--navy);\n    padding: 7px 16px;\n    font-size: 11px;\n    font-weight: 800;\n    letter-spacing: 0.13em;\n    text-transform: uppercase;\n    color: var(--white);\n  }\n\n  .mc-row {\n    padding: 12px 16px;\n    border-bottom: 1px solid var(--grey-100);\n    display: flex;\n    flex-direction: column;\n    gap: 6px;\n  }\n\n  .mc-row:last-child { border-bottom: none; }\n\n  .mc-label {\n    font-size: 11px;\n    font-weight: 700;\n    letter-spacing: 0.06em;\n    text-transform: uppercase;\n    color: var(--grey-400);\n  }\n\n  .mc-value {\n    font-size: 14px;\n    color: var(--navy);\n  }\n\n  .mc-value .chip,\n  .mc-value .st { font-size: 13px; }\n\n  .mc-value .fl li { font-size: 13px; }\n\n  .mc-value .pro-con li { font-size: 13px; }\n\n  .mc-value .sw { align-items: flex-start; }\n\n  .mc-scenarios {\n    display: grid;\n    grid-template-columns: repeat(3, 1fr);\n    gap: 8px;\n  }\n\n  .mc-scenario {\n    background: var(--grey-50);\n    border: 1px solid var(--grey-200);\n    border-radius: 8px;\n    padding: 10px 8px;\n    text-align: center;\n  }\n\n  .mc-scenario-label {\n    font-size: 10px;\n    font-weight: 700;\n    text-transform: uppercase;\n    letter-spacing: 0.06em;\n    color: var(--grey-400);\n    margin-bottom: 5px;\n  }\n\n  .mc-scenario-val {\n    font-size: 13px;\n    font-weight: 700;\n    line-height: 1.3;\n  }\n\n  \/* Hypotheses *\/\n  .hyp-box {\n    margin-top: 0;\n    background: var(--sky-faint);\n    border: 1px solid rgba(181,224,248,0.5);\n    border-top: none;\n    padding: 16px 20px;\n    font-size: 14px;\n    color: var(--grey-600);\n    line-height: 1.7;\n  }\n\n  .hyp-box strong { color: var(--navy); font-weight: 700; }\n\n  .hyp-grid {\n    display: grid;\n    grid-template-columns: repeat(3, 1fr);\n    gap: 10px;\n    margin-top: 12px;\n  }\n\n  .hyp-item {\n    background: var(--white);\n    border: 1px solid var(--grey-200);\n    border-radius: 10px;\n    padding: 12px 14px;\n    text-align: center;\n  }\n\n  .hyp-label { font-size: 11px; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; color: var(--grey-400); margin-bottom: 5px; }\n  .hyp-rate  { font-size: 20px; font-weight: 800; color: var(--navy); letter-spacing: -0.02em; }\n  .hyp-desc  { font-size: 12px; color: var(--grey-400); margin-top: 4px; line-height: 1.5; }\n\n  .ins-note {\n    margin-top: 12px;\n    font-size: 13px;\n    color: var(--grey-400);\n    line-height: 1.7;\n    padding: 0 2px;\n  }\n\n  .ins-note strong { color: var(--grey-600); font-weight: 600; }\n\n  \/* \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 BREAKPOINT \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n  @media (max-width: 700px) {\n    .ins-scroll { display: none; }\n    .ins-mobile  { display: block; }\n    .hyp-grid { grid-template-columns: 1fr; }\n    .hyp-box { border-radius: 0 0 14px 14px; border: 1px solid rgba(181,224,248,0.5); border-top: none; }\n    .mc-scenarios { grid-template-columns: repeat(3,1fr); }\n  }\n<\/style>\n<\/head>\n<body>\n<div class=\"ins-comparatif\">\n\n  <!-- \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 DESKTOP TABLE \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 -->\n  <div class=\"ins-scroll\">\n    <table>\n      <colgroup>\n        <col class=\"col-label\" \/>\n        <col class=\"col-provider\" \/>\n        <col class=\"col-provider\" \/>\n        <col class=\"col-provider\" \/>\n        <col class=\"col-provider\" \/>\n        <col class=\"col-provider\" \/>\n      <\/colgroup>\n      <thead>\n        <tr>\n          <th><\/th>\n          <th class=\"ph\"><span class=\"pname\">PAX<\/span><span class=\"ptype\">Pilier 3a<\/span><\/th>\n          <th class=\"ph\"><span class=\"pname\">AXA<\/span><span class=\"ptype\">SmartFlex (3a\/3b)<\/span><\/th>\n          <th class=\"ph\"><span class=\"pname\">Groupe Mutuel<\/span><span class=\"ptype\">VariaInvest (3a\/3b)<\/span><\/th>\n          <th class=\"ph\"><span class=\"pname\">Helvetia<\/span><span class=\"ptype\">Plan Performance (3a\/3b)<\/span><\/th>\n          <th class=\"ph\"><span class=\"pname\">Generali<\/span><span class=\"ptype\">3a Flex<\/span><\/th>\n        <\/tr>\n      <\/thead>\n      <tbody>\n\n        <tr class=\"sr\"><td colspan=\"6\">Frais<\/td><\/tr>\n\n        <tr>\n          <td>TER des fonds disponibles<span class=\"row-sub\">Fourchette selon strat\u00e9gie choisie<\/span><\/td>\n          <td><div class=\"ter-row\"><span class=\"chip c-good\">0.15 %<\/span><\/div><\/td>\n          <td><div class=\"ter-row\"><span class=\"chip c-good\">0.13 \u2013 0.34 %<\/span><\/div><\/td>\n          <td><div class=\"ter-row\"><span class=\"chip c-mid\">0.64 %<\/span><\/div><\/td>\n          <td><div class=\"ter-row\"><span class=\"chip c-good\">0.15 \u2013 0.85 %<\/span><\/div><\/td>\n          <td><div class=\"ter-row\"><span class=\"chip c-good\">0.20 %<\/span><\/div><\/td>\n        <\/tr>\n\n        <tr>\n          <td>R\u00e9duction du rendement<span class=\"row-sub\">Sc\u00e9nario de r\u00e9f\u00e9rence \u00b7 25 ans \u00b7 strat\u00e9gie offensive<\/span><\/td>\n          <td><span class=\"chip c-good\">0.65 \u2013 0.80 %<\/span><\/td>\n          <td><span class=\"chip c-good\">0.94 %<\/span><\/td>\n          <td><span class=\"chip c-mid\">1.36 %<\/span><\/td>\n          <td><span class=\"chip c-mid\">1.80 %<\/span><\/td>\n          <td><span class=\"chip c-good\">0.75 %<\/span><\/td>\n        <\/tr>\n\n        <tr class=\"sr\"><td colspan=\"6\">Investissement<\/td><\/tr>\n\n        <tr>\n          <td>Allocation de la prime d'\u00e9pargne<\/td>\n          <td>\n            <div class=\"sw\">\n              <span class=\"sb\">10 % actions \/ 90 % garanti<\/span>\n              <span class=\"sb\">30 % actions \/ 70 % garanti<\/span>\n              <span class=\"sb\">50 % actions \/ 50 % garanti<\/span>\n            <\/div>\n          <\/td>\n          <td>\n            <div class=\"sw\">\n              <span class=\"chip c-good\" style=\"margin-bottom:5px\">Jusqu'\u00e0 100 % actions<\/span>\n              <span class=\"sb\">Mix garanti \/ fonds possible<\/span>\n            <\/div>\n          <\/td>\n          <td>\n            <div class=\"sw\">\n              <span class=\"chip c-good\" style=\"margin-bottom:5px\">Jusqu'\u00e0 100 % actions<\/span>\n              <span class=\"sb\">Mix garanti \/ fonds possible<\/span>\n            <\/div>\n          <\/td>\n          <td>\n            <div class=\"sw\">\n              <span class=\"chip c-good\" style=\"margin-bottom:5px\">Jusqu'\u00e0 100 % actions<\/span>\n              <span class=\"sb\">Mix garanti \/ fonds possible<\/span>\n            <\/div>\n          <\/td>\n          <td>\n            <div class=\"sw\">\n              <span class=\"sb\">25 % actions<\/span>\n              <span class=\"sb\">50 % actions<\/span>\n              <span class=\"sb\">75 % actions<\/span>\n              <span class=\"chip c-good\" style=\"margin-top:2px\">Jusqu'\u00e0 100 % actions<\/span>\n            <\/div>\n          <\/td>\n        <\/tr>\n\n        <tr>\n          <td>Fonds disponibles<\/td>\n          <td><ul class=\"fl\"><li>UBS MSCI World Selection UCITS ETF<\/li><\/ul><\/td>\n          <td><ul class=\"fl\"><li>Global Equity CHF<\/li><li>Swiss Equity CHF<\/li><li>Trends Equity CHF<\/li><li>Sustainable Equity CHF<\/li><\/ul><\/td>\n          <td><ul class=\"fl\"><li>Swisscanto Portfolio Responsible Ambition GT<\/li><li>Swisscanto Portfolio Responsible Focus GT<\/li><li>BCVs\/WKB flex Pension 65 IP<\/li><\/ul><\/td>\n          <td><ul class=\"fl\"><li>Helvetia Allegra ONE \/ 30 \/ 50 \/ 85<\/li><li>UBS Equities Switzerland Passive<\/li><li>UBS Equities Europe Passive<\/li><li>UBS Equities Global Passive<\/li><li>Swisscanto Equity Sustainable<\/li><li>Pictet LPP-25 \/ LPP-40<\/li><li>Helvetia Swiss Property Fund<\/li><\/ul><\/td>\n          <td><ul class=\"fl\"><li>Index S\u00e9rie 100<\/li><li>Index S\u00e9rie 75<\/li><li>Index S\u00e9rie 50<\/li><li>Index S\u00e9rie 25<\/li><\/ul><\/td>\n        <\/tr>\n\n        <tr class=\"sr\"><td colspan=\"6\">Projections \u00e0 l'\u00e9ch\u00e9ance \u00b7 CHF 7'258\/an \u00b7 40 ans \u00b7 assur\u00e9 de 25 ans<\/td><\/tr>\n\n        <tr>\n          <td>Sc\u00e9nario d\u00e9favorable<span class=\"row-sub\">Rendement brut : ~0.2 %\/an<\/span><\/td>\n          <td><span class=\"sc-low\">CHF 289'330<\/span><\/td>\n          <td><span class=\"sc-low\">CHF 240'040<\/span><\/td>\n          <td><span class=\"sc-low\">CHF 265'400<\/span><\/td>\n          <td><span class=\"sc-low\">CHF 196'554<\/span><\/td>\n          <td><span class=\"sc-low\">CHF 234'397<\/span><\/td>\n        <\/tr>\n\n        <tr>\n          <td>Sc\u00e9nario moyen<span class=\"row-sub\">Rendement brut : ~7.1 %\/an<\/span><\/td>\n          <td><span class=\"sc-mid\">CHF 913'613<\/span><\/td>\n          <td><span class=\"sc-mid\">CHF 1'236'267<\/span><\/td>\n          <td><span class=\"sc-mid\">CHF 863'224<\/span><\/td>\n          <td><span class=\"sc-mid\">CHF 913'292<\/span><\/td>\n          <td><span class=\"sc-mid\">CHF 1'058'317<\/span><\/td>\n        <\/tr>\n\n        <tr>\n          <td>Sc\u00e9nario favorable<span class=\"row-sub\">Rendement brut : ~9.0 %\/an<\/span><\/td>\n          <td><span class=\"sc-hi\">CHF 1'468'458<\/span><\/td>\n          <td><span class=\"sc-hi\">CHF 2'031'766<\/span><\/td>\n          <td><span class=\"sc-hi\">CHF 1'274'306<\/span><\/td>\n          <td><span class=\"sc-hi\">CHF 1'447'798<\/span><\/td>\n          <td><span class=\"sc-hi\">CHF 1'673'390<\/span><\/td>\n        <\/tr>\n\n        <tr class=\"sr\"><td colspan=\"6\">Couvertures pr\u00e9voyance<\/td><\/tr>\n\n        <tr>\n          <td>Rente incapacit\u00e9 de gain (IG)<\/td>\n          <td><span class=\"st st-no\">Aucun<\/span><\/td>\n          <td><span class=\"st st-yes\">\u2713 Disponible<\/span><\/td>\n          <td><span class=\"st st-yes\">\u2713 Disponible<\/span><\/td>\n          <td><span class=\"st st-yes\">\u2713 Disponible<\/span><\/td>\n          <td><span class=\"st st-no\">Aucun<\/span><\/td>\n        <\/tr>\n\n        <tr>\n          <td>Lib\u00e9ration des primes (IG)<span class=\"row-sub\">Poursuite de l'\u00e9pargne en cas d'incapacit\u00e9<\/span><\/td>\n          <td><span class=\"st st-yes\">\u2713 Disponible<\/span><\/td>\n          <td><span class=\"st st-yes\">\u2713 Disponible<\/span><\/td>\n          <td><span class=\"st st-yes\">\u2713 Disponible<\/span><\/td>\n          <td><span class=\"st st-yes\">\u2713 Disponible<\/span><\/td>\n          <td><span class=\"st st-part\">~ Partielle : max CHF 3'000\/an<\/span><\/td>\n        <\/tr>\n\n        <tr>\n          <td>Capital d\u00e9c\u00e8s<\/td>\n          <td><span class=\"st st-no\">Aucun<\/span><\/td>\n          <td><span class=\"st st-yes\">\u2713 Disponible<\/span><\/td>\n          <td><span class=\"st st-yes\">\u2713 Disponible<\/span><\/td>\n          <td><span class=\"st st-yes\">\u2713 Disponible<\/span><\/td>\n          <td><span class=\"st st-no\">Aucun<\/span><\/td>\n        <\/tr>\n\n        <tr>\n          <td>Autres couvertures disponibles<\/td>\n          <td><span class=\"st st-no\">Aucun<\/span><\/td>\n          <td><ul class=\"fl\" style=\"text-align:left\"><li>S\u00e9curisation des rendements<\/li><li>Gestion de la phase finale du contrat<\/li><\/ul><\/td>\n          <td><ul class=\"fl\" style=\"text-align:left\"><li>Rente de survivants<\/li><li>Capital d\u00e9c\u00e8s par accident<\/li><li>Capital invalidit\u00e9<\/li><li>Capital hospitalisation<\/li><li>Capital naissance<\/li><\/ul><\/td>\n          <td><span class=\"st st-no\">Aucun<\/span><\/td>\n          <td><span class=\"st st-no\">Aucun<\/span><\/td>\n        <\/tr>\n\n        <tr class=\"sr\"><td colspan=\"6\">Avantages &amp; inconv\u00e9nients<\/td><\/tr>\n\n        <tr>\n          <td>Points cl\u00e9s<\/td>\n          <td>\n            <ul class=\"pro-con\">\n              <li class=\"pro\">Frais annuels les plus bas (0.65 %)<\/li>\n              <li class=\"pro\">ETF MSCI World pour une exposition mondiale simple<\/li>\n              <li class=\"con\">Aucun capital d\u00e9c\u00e8s ni rente invalidit\u00e9<\/li>\n              <li class=\"con\">Allocation actions limit\u00e9e \u00e0 50 % maximum<\/li>\n              <li class=\"con\">Un seul fonds disponible<\/li>\n            <\/ul>\n          <\/td>\n          <td>\n            <ul class=\"pro-con\">\n              <li class=\"pro\">Meilleur potentiel de rendement sur 40 ans<\/li>\n              <li class=\"pro\">Jusqu'\u00e0 100 % en actions (ETFs)<\/li>\n              <li class=\"pro\">Couvertures compl\u00e8tes disponibles<\/li>\n              <li class=\"pro\">S\u00e9curisation des rendements et gestion phase finale<\/li>\n              <li class=\"con\">Frais de risque s'ajoutent selon couvertures choisies<\/li>\n              <li class=\"con\">Choix de fonds limit\u00e9 \u00e0 4 options<\/li>\n            <\/ul>\n          <\/td>\n          <td>\n            <ul class=\"pro-con\">\n              <li class=\"pro\">Couvertures les plus compl\u00e8tes du march\u00e9<\/li>\n              <li class=\"pro\">Id\u00e9al pour ind\u00e9pendants et familles \u00e0 charge<\/li>\n              <li class=\"pro\">Jusqu'\u00e0 100 % en actions possible<\/li>\n              <li class=\"con\">Fonds actifs uniquement<\/li>\n              <li class=\"con\">R\u00e9duction du rendement de 1.36 % \u00e9lev\u00e9e<\/li>\n              <li class=\"con\">Choix de fonds restreint (3 options)<\/li>\n            <\/ul>\n          <\/td>\n          <td>\n            <ul class=\"pro-con\">\n              <li class=\"pro\">Univers de fonds large<\/li>\n              <li class=\"pro\">Meilleures valeurs de rachat des premi\u00e8res ann\u00e9es<\/li>\n              <li class=\"pro\">Couvertures IG et d\u00e9c\u00e8s disponibles<\/li>\n              <li class=\"con\">R\u00e9duction du rendement plus ou moins \u00e9lev\u00e9e selon TER<\/li>\n            <\/ul>\n          <\/td>\n          <td>\n            <ul class=\"pro-con\">\n              <li class=\"pro\">Versements libres : logique bancaire dans un cadre assurantiel<\/li>\n              <li class=\"pro\">Frais annuels comp\u00e9titifs (0.75 %)<\/li>\n              <li class=\"pro\">Jusqu'\u00e0 100 % en actions<\/li>\n              <li class=\"pro\">Strat\u00e9gies indicielles \u00e0 faible TER (0.19\u20130.20 %)<\/li>\n              <li class=\"con\">Aucun capital d\u00e9c\u00e8s ni rente invalidit\u00e9<\/li>\n              <li class=\"con\">Lib\u00e9ration des primes partielle uniquement<\/li>\n            <\/ul>\n          <\/td>\n        <\/tr>\n\n      <\/tbody>\n    <\/table>\n  <\/div>\n\n  <!-- \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 MOBILE CARDS \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 -->\n  <div class=\"ins-mobile\">\n    <div class=\"mobile-cards\">\n\n      <!-- PAX -->\n      <div class=\"mc\">\n        <div class=\"mc-header\">\n          <div><div class=\"mc-name\">PAX<\/div><div class=\"mc-type\">Pilier 3a<\/div><\/div>\n        <\/div>\n        <div class=\"mc-body\">\n          <div class=\"mc-section\">Frais<\/div>\n          <div class=\"mc-row\">\n            <div class=\"mc-label\">TER des fonds<\/div>\n            <div class=\"mc-value\"><span class=\"chip c-good\">0.15 %<\/span><\/div>\n          <\/div>\n          <div class=\"mc-row\">\n            <div class=\"mc-label\">R\u00e9duction du rendement<\/div>\n            <div class=\"mc-value\"><span class=\"chip c-good\">0.65 \u2013 0.80 %<\/span><\/div>\n          <\/div>\n          <div class=\"mc-section\">Investissement<\/div>\n          <div class=\"mc-row\">\n            <div class=\"mc-label\">Allocation max<\/div>\n            <div class=\"mc-value\">\n              <div class=\"sw\" style=\"align-items:flex-start\">\n                <span class=\"sb\">10 % \/ 30 % \/ 50 % actions<\/span>\n              <\/div>\n            <\/div>\n          <\/div>\n          <div class=\"mc-row\">\n            <div class=\"mc-label\">Fonds disponibles<\/div>\n            <div class=\"mc-value\"><ul class=\"fl\"><li>UBS MSCI World Selection UCITS ETF<\/li><\/ul><\/div>\n          <\/div>\n          <div class=\"mc-section\">Projections \u00b7 CHF 7'258\/an \u00b7 40 ans<\/div>\n          <div class=\"mc-row\">\n            <div class=\"mc-scenarios\">\n              <div class=\"mc-scenario\"><div class=\"mc-scenario-label\">D\u00e9favorable<\/div><div class=\"mc-scenario-val sc-low\">CHF 289'330<\/div><\/div>\n              <div class=\"mc-scenario\"><div class=\"mc-scenario-label\">Moyen<\/div><div class=\"mc-scenario-val sc-mid\">CHF 913'613<\/div><\/div>\n              <div class=\"mc-scenario\"><div class=\"mc-scenario-label\">Favorable<\/div><div class=\"mc-scenario-val sc-hi\">CHF 1'468'458<\/div><\/div>\n            <\/div>\n          <\/div>\n          <div class=\"mc-section\">Couvertures<\/div>\n          <div class=\"mc-row\">\n            <div class=\"mc-label\">Rente incapacit\u00e9 de gain<\/div>\n            <div class=\"mc-value\"><span class=\"st st-no\">Aucun<\/span><\/div>\n          <\/div>\n          <div class=\"mc-row\">\n            <div class=\"mc-label\">Lib\u00e9ration des primes<\/div>\n            <div class=\"mc-value\"><span class=\"st st-yes\">\u2713 Disponible<\/span><\/div>\n          <\/div>\n          <div class=\"mc-row\">\n            <div class=\"mc-label\">Capital d\u00e9c\u00e8s<\/div>\n            <div class=\"mc-value\"><span class=\"st st-no\">Aucun<\/span><\/div>\n          <\/div>\n          <div class=\"mc-section\">Points cl\u00e9s<\/div>\n          <div class=\"mc-row\">\n            <div class=\"mc-value\">\n              <ul class=\"pro-con\">\n                <li class=\"pro\">Frais annuels les plus bas (0.65 %)<\/li>\n                <li class=\"pro\">ETF MSCI World, exposition mondiale simple<\/li>\n                <li class=\"con\">Aucun capital d\u00e9c\u00e8s ni rente invalidit\u00e9<\/li>\n                <li class=\"con\">Allocation actions limit\u00e9e \u00e0 50 % maximum<\/li>\n                <li class=\"con\">Un seul fonds disponible<\/li>\n              <\/ul>\n            <\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n\n      <!-- AXA -->\n      <div class=\"mc\">\n        <div class=\"mc-header\">\n          <div><div class=\"mc-name\">AXA<\/div><div class=\"mc-type\">SmartFlex<\/div><\/div>\n        <\/div>\n        <div class=\"mc-body\">\n          <div class=\"mc-section\">Frais<\/div>\n          <div class=\"mc-row\">\n            <div class=\"mc-label\">TER des fonds<\/div>\n            <div class=\"mc-value\"><span class=\"chip c-good\">0.13 \u2013 0.34 %<\/span><\/div>\n          <\/div>\n          <div class=\"mc-row\">\n            <div class=\"mc-label\">R\u00e9duction du rendement<\/div>\n            <div class=\"mc-value\"><span class=\"chip c-good\">0.94 %<\/span><\/div>\n          <\/div>\n          <div class=\"mc-section\">Investissement<\/div>\n          <div class=\"mc-row\">\n            <div class=\"mc-label\">Allocation max<\/div>\n            <div class=\"mc-value\"><span class=\"chip c-good\">Jusqu'\u00e0 100 % actions<\/span><\/div>\n          <\/div>\n          <div class=\"mc-row\">\n            <div class=\"mc-label\">Fonds disponibles<\/div>\n            <div class=\"mc-value\"><ul class=\"fl\"><li>Global Equity CHF<\/li><li>Swiss Equity CHF<\/li><li>Trends Equity CHF<\/li><li>Sustainable Equity CHF<\/li><\/ul><\/div>\n          <\/div>\n          <div class=\"mc-section\">Projections \u00b7 CHF 7'258\/an \u00b7 40 ans<\/div>\n          <div class=\"mc-row\">\n            <div class=\"mc-scenarios\">\n              <div class=\"mc-scenario\"><div class=\"mc-scenario-label\">D\u00e9favorable<\/div><div class=\"mc-scenario-val sc-low\">CHF 240'040<\/div><\/div>\n              <div class=\"mc-scenario\"><div class=\"mc-scenario-label\">Moyen<\/div><div class=\"mc-scenario-val sc-mid\">CHF 1'236'267<\/div><\/div>\n              <div class=\"mc-scenario\"><div class=\"mc-scenario-label\">Favorable<\/div><div class=\"mc-scenario-val sc-hi\">CHF 2'031'766<\/div><\/div>\n            <\/div>\n          <\/div>\n          <div class=\"mc-section\">Couvertures<\/div>\n          <div class=\"mc-row\">\n            <div class=\"mc-label\">Rente incapacit\u00e9 de gain<\/div>\n            <div class=\"mc-value\"><span class=\"st st-yes\">\u2713 Disponible<\/span><\/div>\n          <\/div>\n          <div class=\"mc-row\">\n            <div class=\"mc-label\">Lib\u00e9ration des primes<\/div>\n            <div class=\"mc-value\"><span class=\"st st-yes\">\u2713 Disponible<\/span><\/div>\n          <\/div>\n          <div class=\"mc-row\">\n            <div class=\"mc-label\">Capital d\u00e9c\u00e8s<\/div>\n            <div class=\"mc-value\"><span class=\"st st-yes\">\u2713 Disponible<\/span><\/div>\n          <\/div>\n          <div class=\"mc-row\">\n            <div class=\"mc-label\">Autres couvertures<\/div>\n            <div class=\"mc-value\"><ul class=\"fl\"><li>S\u00e9curisation des rendements<\/li><li>Gestion de la phase finale du contrat<\/li><\/ul><\/div>\n          <\/div>\n          <div class=\"mc-section\">Points cl\u00e9s<\/div>\n          <div class=\"mc-row\">\n            <div class=\"mc-value\">\n              <ul class=\"pro-con\">\n                <li class=\"pro\">Meilleur potentiel de rendement sur 40 ans<\/li>\n                <li class=\"pro\">Jusqu'\u00e0 100 % en actions (ETFs)<\/li>\n                <li class=\"pro\">Couvertures compl\u00e8tes disponibles<\/li>\n                <li class=\"pro\">S\u00e9curisation des rendements et gestion phase finale<\/li>\n                <li class=\"con\">Frais de risque s'ajoutent selon couvertures choisies<\/li>\n                <li class=\"con\">Choix de fonds limit\u00e9 \u00e0 4 options<\/li>\n              <\/ul>\n            <\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n\n      <!-- GROUPE MUTUEL -->\n      <div class=\"mc\">\n        <div class=\"mc-header\">\n          <div><div class=\"mc-name\">Groupe Mutuel<\/div><div class=\"mc-type\">VariaInvest<\/div><\/div>\n        <\/div>\n        <div class=\"mc-body\">\n          <div class=\"mc-section\">Frais<\/div>\n          <div class=\"mc-row\">\n            <div class=\"mc-label\">TER des fonds<\/div>\n            <div class=\"mc-value\"><span class=\"chip c-mid\">0.64 %<\/span><\/div>\n          <\/div>\n          <div class=\"mc-row\">\n            <div class=\"mc-label\">R\u00e9duction du rendement<\/div>\n            <div class=\"mc-value\"><span class=\"chip c-mid\">1.36 %<\/span><\/div>\n          <\/div>\n          <div class=\"mc-section\">Investissement<\/div>\n          <div class=\"mc-row\">\n            <div class=\"mc-label\">Allocation max<\/div>\n            <div class=\"mc-value\"><span class=\"chip c-good\">Jusqu'\u00e0 100 % actions<\/span><\/div>\n          <\/div>\n          <div class=\"mc-row\">\n            <div class=\"mc-label\">Fonds disponibles<\/div>\n            <div class=\"mc-value\"><ul class=\"fl\"><li>Swisscanto Portfolio Responsible Ambition GT<\/li><li>Swisscanto Portfolio Responsible Focus GT<\/li><li>BCVs\/WKB flex Pension 65 IP<\/li><\/ul><\/div>\n          <\/div>\n          <div class=\"mc-section\">Projections \u00b7 CHF 7'258\/an \u00b7 40 ans<\/div>\n          <div class=\"mc-row\">\n            <div class=\"mc-scenarios\">\n              <div class=\"mc-scenario\"><div class=\"mc-scenario-label\">D\u00e9favorable<\/div><div class=\"mc-scenario-val sc-low\">CHF 265'400<\/div><\/div>\n              <div class=\"mc-scenario\"><div class=\"mc-scenario-label\">Moyen<\/div><div class=\"mc-scenario-val sc-mid\">CHF 863'224<\/div><\/div>\n              <div class=\"mc-scenario\"><div class=\"mc-scenario-label\">Favorable<\/div><div class=\"mc-scenario-val sc-hi\">CHF 1'274'306<\/div><\/div>\n            <\/div>\n          <\/div>\n          <div class=\"mc-section\">Couvertures<\/div>\n          <div class=\"mc-row\">\n            <div class=\"mc-label\">Rente incapacit\u00e9 de gain<\/div>\n            <div class=\"mc-value\"><span class=\"st st-yes\">\u2713 Disponible<\/span><\/div>\n          <\/div>\n          <div class=\"mc-row\">\n            <div class=\"mc-label\">Lib\u00e9ration des primes<\/div>\n            <div class=\"mc-value\"><span class=\"st st-yes\">\u2713 Disponible<\/span><\/div>\n          <\/div>\n          <div class=\"mc-row\">\n            <div class=\"mc-label\">Capital d\u00e9c\u00e8s<\/div>\n            <div class=\"mc-value\"><span class=\"st st-yes\">\u2713 Disponible<\/span><\/div>\n          <\/div>\n          <div class=\"mc-row\">\n            <div class=\"mc-label\">Autres couvertures<\/div>\n            <div class=\"mc-value\"><ul class=\"fl\"><li>Rente de survivants<\/li><li>Capital d\u00e9c\u00e8s par accident<\/li><li>Capital invalidit\u00e9<\/li><li>Capital hospitalisation<\/li><li>Capital naissance<\/li><\/ul><\/div>\n          <\/div>\n          <div class=\"mc-section\">Points cl\u00e9s<\/div>\n          <div class=\"mc-row\">\n            <div class=\"mc-value\">\n              <ul class=\"pro-con\">\n                <li class=\"pro\">Couvertures les plus compl\u00e8tes du march\u00e9<\/li>\n                <li class=\"pro\">Id\u00e9al pour ind\u00e9pendants et familles \u00e0 charge<\/li>\n                <li class=\"pro\">Jusqu'\u00e0 100 % en actions possible<\/li>\n                <li class=\"con\">Fonds actifs uniquement<\/li>\n                <li class=\"con\">R\u00e9duction du rendement de 1.36 % \u00e9lev\u00e9e<\/li>\n                <li class=\"con\">Choix de fonds restreint (3 options)<\/li>\n              <\/ul>\n            <\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n\n      <!-- HELVETIA -->\n      <div class=\"mc\">\n        <div class=\"mc-header\">\n          <div><div class=\"mc-name\">Helvetia<\/div><div class=\"mc-type\">Plan Performance<\/div><\/div>\n        <\/div>\n        <div class=\"mc-body\">\n          <div class=\"mc-section\">Frais<\/div>\n          <div class=\"mc-row\">\n            <div class=\"mc-label\">TER des fonds<\/div>\n            <div class=\"mc-value\"><span class=\"chip c-good\">0.15 \u2013 0.85 %<\/span><\/div>\n          <\/div>\n          <div class=\"mc-row\">\n            <div class=\"mc-label\">R\u00e9duction du rendement<\/div>\n            <div class=\"mc-value\"><span class=\"chip c-mid\">1.80 %<\/span><\/div>\n          <\/div>\n          <div class=\"mc-section\">Investissement<\/div>\n          <div class=\"mc-row\">\n            <div class=\"mc-label\">Allocation max<\/div>\n            <div class=\"mc-value\"><span class=\"chip c-good\">Jusqu'\u00e0 100 % actions<\/span><\/div>\n          <\/div>\n          <div class=\"mc-row\">\n            <div class=\"mc-label\">Fonds disponibles<\/div>\n            <div class=\"mc-value\"><ul class=\"fl\"><li>Helvetia Allegra ONE \/ 30 \/ 50 \/ 85<\/li><li>UBS Equities Switzerland \/ Europe \/ Global Passive<\/li><li>Swisscanto Equity Sustainable<\/li><li>Pictet LPP-25 \/ LPP-40<\/li><li>Helvetia Swiss Property Fund<\/li><\/ul><\/div>\n          <\/div>\n          <div class=\"mc-section\">Projections \u00b7 CHF 7'258\/an \u00b7 40 ans<\/div>\n          <div class=\"mc-row\">\n            <div class=\"mc-scenarios\">\n              <div class=\"mc-scenario\"><div class=\"mc-scenario-label\">D\u00e9favorable<\/div><div class=\"mc-scenario-val sc-low\">CHF 196'554<\/div><\/div>\n              <div class=\"mc-scenario\"><div class=\"mc-scenario-label\">Moyen<\/div><div class=\"mc-scenario-val sc-mid\">CHF 913'292<\/div><\/div>\n              <div class=\"mc-scenario\"><div class=\"mc-scenario-label\">Favorable<\/div><div class=\"mc-scenario-val sc-hi\">CHF 1'447'798<\/div><\/div>\n            <\/div>\n          <\/div>\n          <div class=\"mc-section\">Couvertures<\/div>\n          <div class=\"mc-row\">\n            <div class=\"mc-label\">Rente incapacit\u00e9 de gain<\/div>\n            <div class=\"mc-value\"><span class=\"st st-yes\">\u2713 Disponible<\/span><\/div>\n          <\/div>\n          <div class=\"mc-row\">\n            <div class=\"mc-label\">Lib\u00e9ration des primes<\/div>\n            <div class=\"mc-value\"><span class=\"st st-yes\">\u2713 Disponible<\/span><\/div>\n          <\/div>\n          <div class=\"mc-row\">\n            <div class=\"mc-label\">Capital d\u00e9c\u00e8s<\/div>\n            <div class=\"mc-value\"><span class=\"st st-yes\">\u2713 Disponible<\/span><\/div>\n          <\/div>\n          <div class=\"mc-section\">Points cl\u00e9s<\/div>\n          <div class=\"mc-row\">\n            <div class=\"mc-value\">\n              <ul class=\"pro-con\">\n                <li class=\"pro\">Univers de fonds le plus large<\/li>\n                <li class=\"pro\">Meilleures valeurs de rachat des premi\u00e8res ann\u00e9es<\/li>\n                <li class=\"pro\">Couvertures IG et d\u00e9c\u00e8s disponibles<\/li>\n                <li class=\"con\">R\u00e9duction du rendement plus ou moins \u00e9lev\u00e9e selon TER<\/li>\n              <\/ul>\n            <\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n\n      <!-- GENERALI -->\n      <div class=\"mc\">\n        <div class=\"mc-header\">\n          <div><div class=\"mc-name\">Generali<\/div><div class=\"mc-type\">3a Flex<\/div><\/div>\n        <\/div>\n        <div class=\"mc-body\">\n          <div class=\"mc-section\">Frais<\/div>\n          <div class=\"mc-row\">\n            <div class=\"mc-label\">TER des fonds<\/div>\n            <div class=\"mc-value\"><span class=\"chip c-good\">0.20 %<\/span><\/div>\n          <\/div>\n          <div class=\"mc-row\">\n            <div class=\"mc-label\">R\u00e9duction du rendement<\/div>\n            <div class=\"mc-value\"><span class=\"chip c-good\">0.75 %<\/span><\/div>\n          <\/div>\n          <div class=\"mc-section\">Investissement<\/div>\n          <div class=\"mc-row\">\n            <div class=\"mc-label\">Allocation max<\/div>\n            <div class=\"mc-value\"><span class=\"chip c-good\">Jusqu'\u00e0 100 % actions<\/span><\/div>\n          <\/div>\n          <div class=\"mc-row\">\n            <div class=\"mc-label\">Fonds disponibles<\/div>\n            <div class=\"mc-value\"><ul class=\"fl\"><li>Index S\u00e9rie 100<\/li><li>Index S\u00e9rie 75<\/li><li>Index S\u00e9rie 50<\/li><li>Index S\u00e9rie 25<\/li><\/ul><\/div>\n          <\/div>\n          <div class=\"mc-section\">Projections \u00b7 CHF 7'258\/an \u00b7 40 ans<\/div>\n          <div class=\"mc-row\">\n            <div class=\"mc-scenarios\">\n              <div class=\"mc-scenario\"><div class=\"mc-scenario-label\">D\u00e9favorable<\/div><div class=\"mc-scenario-val sc-low\">CHF 234'397<\/div><\/div>\n              <div class=\"mc-scenario\"><div class=\"mc-scenario-label\">Moyen<\/div><div class=\"mc-scenario-val sc-mid\">CHF 1'058'317<\/div><\/div>\n              <div class=\"mc-scenario\"><div class=\"mc-scenario-label\">Favorable<\/div><div class=\"mc-scenario-val sc-hi\">CHF 1'673'390<\/div><\/div>\n            <\/div>\n          <\/div>\n          <div class=\"mc-section\">Couvertures<\/div>\n          <div class=\"mc-row\">\n            <div class=\"mc-label\">Rente incapacit\u00e9 de gain<\/div>\n            <div class=\"mc-value\"><span class=\"st st-no\">Aucun<\/span><\/div>\n          <\/div>\n          <div class=\"mc-row\">\n            <div class=\"mc-label\">Lib\u00e9ration des primes<\/div>\n            <div class=\"mc-value\"><span class=\"st st-part\">~ Partielle : max CHF 3'000\/an<\/span><\/div>\n          <\/div>\n          <div class=\"mc-row\">\n            <div class=\"mc-label\">Capital d\u00e9c\u00e8s<\/div>\n            <div class=\"mc-value\"><span class=\"st st-no\">Aucun<\/span><\/div>\n          <\/div>\n          <div class=\"mc-section\">Points cl\u00e9s<\/div>\n          <div class=\"mc-row\">\n            <div class=\"mc-value\">\n              <ul class=\"pro-con\">\n                <li class=\"pro\">Versements libres : logique bancaire dans un cadre assurantiel<\/li>\n                <li class=\"pro\">Frais annuels comp\u00e9titifs (0.75 %)<\/li>\n                <li class=\"pro\">Jusqu'\u00e0 100 % en actions<\/li>\n                <li class=\"pro\">Strat\u00e9gies indicielles \u00e0 faible TER (0.19\u20130.20 %)<\/li>\n                <li class=\"con\">Aucun capital d\u00e9c\u00e8s ni rente invalidit\u00e9<\/li>\n                <li class=\"con\">Lib\u00e9ration des primes partielle uniquement<\/li>\n              <\/ul>\n            <\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n\n    <\/div>\n  <\/div>\n\n  <!-- Hypoth\u00e8ses -->\n  <div class=\"hyp-box\">\n    <strong>\u00c0 propos des projections \u00e0 l'\u00e9ch\u00e9ance<\/strong> \u2014 Les trois sc\u00e9narios sont \u00e9tablis conform\u00e9ment \u00e0 la m\u00e9thodologie de l'Association Suisse d'Assurances (ASA), sur la base de donn\u00e9es historiques de march\u00e9. Ils int\u00e8grent l'ensemble des frais (conclusion, gestion, administration, TER des fonds), mais excluent les frais de risque li\u00e9s aux couvertures souscrites. Ces montants sont purement indicatifs et ne constituent aucune garantie contractuelle.\n    <div class=\"hyp-grid\">\n      <div class=\"hyp-item\">\n        <div class=\"hyp-label\">D\u00e9favorable<\/div>\n        <div class=\"hyp-rate\">~0.2 %\/an<\/div>\n        <div class=\"hyp-desc\">Environnement de march\u00e9 durablement d\u00e9prim\u00e9. Correspond approximativement aux primes vers\u00e9es.<\/div>\n      <\/div>\n      <div class=\"hyp-item\">\n        <div class=\"hyp-label\">Moyen<\/div>\n        <div class=\"hyp-rate\">~7.1 %\/an<\/div>\n        <div class=\"hyp-desc\">Bas\u00e9 sur les performances historiques \u00e0 long terme des fonds actions mondiaux diversifi\u00e9s.<\/div>\n      <\/div>\n      <div class=\"hyp-item\">\n        <div class=\"hyp-label\">Favorable<\/div>\n        <div class=\"hyp-rate\">~9.0 %\/an<\/div>\n        <div class=\"hyp-desc\">Sc\u00e9nario optimiste, r\u00e9alisable sur certaines p\u00e9riodes historiques \u2014 non garanti.<\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n\n  <p class=\"ins-note\">\n    <strong>Note sur la r\u00e9duction du rendement :<\/strong> il s'agit de l'indicateur standardis\u00e9 par l'ASA, mesurant l'impact annuel des frais sur le rendement net. Les chiffres indiqu\u00e9s correspondent au sc\u00e9nario de r\u00e9f\u00e9rence (assur\u00e9 de 25 ans, strat\u00e9gie offensive) \u2014 ils varient selon l'\u00e2ge \u00e0 la souscription, les garanties choisies et le capital accumul\u00e9. <strong>Source :<\/strong> offres officielles des assureurs \u00b7 donn\u00e9es \u00e0 fin f\u00e9vrier 2026.\n  <\/p>\n\n<\/div>\n<\/body>\n<\/html>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b6c06e3 e-flex e-con-boxed e-con e-parent\" data-id=\"b6c06e3\" 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-eb4a750 elementor-widget elementor-widget-heading\" data-id=\"eb4a750\" 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\">Quel 3\u00e8me pilier en assurance choisir selon votre profil ?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c289403 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"c289403\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>25-35 ans, salari\u00e9, horizon 40 ans:<\/strong> <a href=\"https:\/\/invexa.ch\/fr\/prevoyance\/3eme-pilier-axa\/\">AXA SmartFlex<\/a>. Le meilleur potentiel de rendement sur le long terme, avec jusqu'\u00e0 100% en actions et les frais les plus comp\u00e9titifs du march\u00e9. +Possibilit\u00e9 de souscrire dans le pilier 3a ou 3b.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>25-35 ans, salari\u00e9, horizon moyen:<\/strong> Helvetia Plan Performance. La palette de fonds la plus large : immobilier suisse, actions mondiales passives, Pictet, Swisscanto, etc. Helvetia affiche \u00e9galement les meilleures valeurs de rachat des premi\u00e8res ann\u00e9es parmi les assureurs compar\u00e9s, un avantage concret si vous souhaitez conserver une flexibilit\u00e9 de sortie<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>30-35 ans, ind\u00e9pendant ou famille \u00e0 charge:<\/strong> Groupe Mutuel VariaInvest. La couverture la plus compl\u00e8te du march\u00e9 : rente invalidit\u00e9, capital d\u00e9c\u00e8s, rente de survivants. Offre une vraie protection globale en cas d'impr\u00e9vu.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>25\u201335 ans, revenus variables ou incertains:<\/strong> Generali 3a Flex. La logique d'une assurance avec la flexibilit\u00e9 d'un 3a bancaire : vous versez ce que vous voulez, quand vous voulez.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>35\u201345 ans, recherche d'\u00e9quilibre rendement\/s\u00e9curit\u00e9:<\/strong> PAX. Des frais parmi les plus bas du march\u00e9 avec une part garantie, id\u00e9al si vous ne souhaitez pas vous exposer enti\u00e8rement aux march\u00e9s.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1119ba0 elementor-widget elementor-widget-toggle\" data-id=\"1119ba0\" 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-1791\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1791\" 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'est-ce qu'un pilier 3a en assurance, et en quoi est-il diff\u00e9rent d'un pilier 3a bancaire ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1791\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1791\"><p>Le <strong>pilier 3a en assurance<\/strong> combine deux \u00e9l\u00e9ments dans un seul contrat: une \u00e9pargne retraite d\u00e9ductible fiscalement (comme un 3a bancaire) et des couvertures pr\u00e9voyance: protection en cas d&rsquo;incapacit\u00e9 de gain, d\u00e9c\u00e8s, ou lib\u00e9ration des primes.<\/p><p>Le 3a bancaire, lui, est un pur produit d&rsquo;\u00e9pargne et d&rsquo;investissement, <strong>sans aucune couverture<\/strong> int\u00e9gr\u00e9e.<\/p><p>La contrepartie de cette protection est que les frais sont pris principalement <strong>en d\u00e9but de contrat<\/strong>, alors qu&rsquo;ils sont pr\u00e9lev\u00e9s annuellement en banque.<\/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-1792\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1792\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Quel est le meilleur pilier 3b ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1792\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-1792\"><p>Le choix du meilleur pilier 3b en Suisse d\u00e9pend de votre horizon de placement :<\/p><p><strong>1. Meilleure Performance (Long terme)<\/strong><\/p><p><strong>AXA Smartflex 3b :<\/strong> Leader pour la croissance du capital gr\u00e2ce \u00e0 des frais optimis\u00e9s et d&rsquo;excellents rendements historiques.<\/p><p><strong>2. Meilleure liquidit\u00e9 (Court\/moyen Terme)<\/strong><\/p><p>Si vous avez besoin de valeurs de rachat \u00e9lev\u00e9es d\u00e8s les premi\u00e8res ann\u00e9es, privil\u00e9giez :<\/p><ul><li>Groupe Mutuel VariaInvest 3b<\/li><li>Helvetia Plan Performance 3b<\/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-1793\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-1793\" 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'est-ce que la lib\u00e9ration des primes et pourquoi est-ce important ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1793\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-1793\"><p>La lib\u00e9ration des primes est une couverture qui <strong>prend en charge le paiement de vos primes \u00e0 votre place<\/strong> si vous devenez incapable de travailler. Votre \u00e9pargne continue \u00e0 se constituer normalement, sans que vous ayez \u00e0 d\u00e9bourser quoi que ce soit. C&rsquo;est l&rsquo;un des avantages les plus concrets du 3a en assurance par rapport au bancaire : en cas d&rsquo;arr\u00eat de travail prolong\u00e9, votre capital retraite n&rsquo;est pas compromis.<\/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-1794\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-1794\" 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'est-ce que les exc\u00e9dents, et est-ce que j'y ai droit ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1794\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-1794\"><p>Les exc\u00e9dents sont une <strong>participation aux b\u00e9n\u00e9fices<\/strong> que l&rsquo;assureur peut redistribuer \u00e0 ses assur\u00e9s lorsque ses r\u00e9sultats financiers ou techniques sont meilleurs que pr\u00e9vu, notamment si la sinistralit\u00e9 est plus faible qu&rsquo;anticip\u00e9 ou si les rendements des placements d\u00e9passent les hypoth\u00e8ses de base. Tout comme le rendement, ils ne sont jamais garantis contractuellement: l&rsquo;assureur fixe chaque ann\u00e9e s&rsquo;il en verse et \u00e0 quelle hauteur.<\/p><p>Dans les bonnes ann\u00e9es, les <strong>exc\u00e9dents peuvent am\u00e9liorer<\/strong> sensiblement le <strong>capital final<\/strong> ou r\u00e9duire la prime effective.\u00a0<\/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-1795\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-1795\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Est-il risqu\u00e9 de choisir un fonds 3a avec une forte part en actions ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1795\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-1795\"><p>Le risque \u00e0 court terme est plus \u00e9lev\u00e9, mais sur un <strong>horizon long<\/strong> (15 \u00e0 30 ans), les fonds en actions ont historiquement g\u00e9n\u00e9r\u00e9 des rendements sup\u00e9rieurs. Il est donc souvent recommand\u00e9 aux jeunes \u00e9pargnants d\u2019opter pour une allocation plus dynamique, \u00e0 condition d\u2019accepter les fluctuations temporaires.<\/p><p>Avec une forte part en actions et en cas de crash boursier, vous courez un grand risque de <strong>perte en capital<\/strong>.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1796\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-1796\" 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 racheter mon pilier 3a en assurance avant la retraite ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1796\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-1796\"><p>Oui, mais uniquement dans des <a href=\"https:\/\/invexa.ch\/prevoyance\/conditions-retrait-3eme-pilier-a\/\">cas pr\u00e9cis d\u00e9finis par la loi<\/a>: achat d&rsquo;un logement principal, d\u00e9part d\u00e9finitif de Suisse, passage \u00e0 une activit\u00e9 ind\u00e9pendante, ou invalidit\u00e9. Un rachat anticip\u00e9 hors de ces situations n&rsquo;est pas possible, et m\u00eame dans ces cas autoris\u00e9s, la valeur de rachat peut \u00eatre inf\u00e9rieure au capital vers\u00e9 si le contrat est encore jeune.<\/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-1797\" class=\"elementor-tab-title\" data-tab=\"7\" role=\"button\" aria-controls=\"elementor-tab-content-1797\" 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 est impos\u00e9 le capital \u00e0 la sortie ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1797\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"region\" aria-labelledby=\"elementor-tab-title-1797\"><p>Le capital vers\u00e9 \u00e0 l&rsquo;\u00e9ch\u00e9ance est impos\u00e9 s\u00e9par\u00e9ment du revenu ordinaire, \u00e0 un <strong>taux r\u00e9duit<\/strong> qui varie selon le canton et le montant retir\u00e9. Pour minimiser la charge fiscale, il est conseill\u00e9 de disposer de plusieurs contrats 3a afin d&rsquo;\u00e9chelonner les rachats sur plusieurs ann\u00e9es si vous disposez de plusieurs contrats 3a.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6cebd17 elementor-widget elementor-widget-menu-anchor\" data-id=\"6cebd17\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"classement-banque\"><\/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-55ee697 elementor-widget elementor-widget-heading\" data-id=\"55ee697\" 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\">Meilleur 3\u00e8me pilier en banque<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b4a5bbf elementor-widget elementor-widget-text-editor\" data-id=\"b4a5bbf\" 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 banques traditionnelles proposent des <a href=\"https:\/\/invexa.ch\/prevoyance\/comparatif-3eme-pilier\/\">comptes 3a \u00e0 taux garanti<\/a> ainsi que des fonds de pr\u00e9voyance investis en actions et obligations. Ces solutions offrent g\u00e9n\u00e9ralement un bon \u00e9quilibre entre s\u00e9curit\u00e9, diversification et encadrement institutionnel.<\/p><p>Le classement bancaire repose sur plusieurs crit\u00e8res cl\u00e9s : niveau de frais, qualit\u00e9 et performance des fonds, diversification, solidit\u00e9 de l\u2019\u00e9tablissement et flexibilit\u00e9 des strat\u00e9gies d\u2019investissement.<\/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-af29259 elementor-widget elementor-widget-html\" data-id=\"af29259\" 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 Pilier 3a Bancaire Suisse 2026<\/title>\n<link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\">\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Manrope:wght@300;400;500;600;700;800&display=swap\" rel=\"stylesheet\">\n\n<!--\n  \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\n  SHARED STYLESHEET \u2014 used by ALL comparatif tables on\n  this page (assurance, bancaire, compte-\u00e9pargne\u2026).\n  Include this ONCE, ideally in your <head> or a .css file.\n  \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\n-->\n<style>\n  :root {\n    --navy:       #071659;\n    --navy-mid:   #0d2280;\n    --navy-light: #1a3499;\n    --sky:        #B5E0F8;\n    --sky-dim:    rgba(181,224,248,0.18);\n    --sky-faint:  rgba(181,224,248,0.08);\n    --white:      #ffffff;\n    --grey-50:    #f7f9fc;\n    --grey-100:   #eef1f7;\n    --grey-200:   #d8dde9;\n    --grey-400:   #8f97b2;\n    --grey-600:   #545d7a;\n    --green:      #16a34a;\n    --green-bg:   rgba(22,163,74,0.10);\n    --red:        #dc2626;\n    --red-bg:     rgba(220,38,38,0.08);\n    --col-w:      168px;\n  }\n\n  * { box-sizing: border-box; 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}\n  .ins-comparatif thead th {\n    padding: 20px 14px 14px;\n    text-align: left;\n    font-family: 'Manrope', sans-serif;\n    font-weight: 700;\n    font-size: 13px;\n    letter-spacing: 0.03em;\n    color: var(--grey-400);\n    white-space: nowrap;\n    vertical-align: bottom;\n    background: var(--grey-50);\n  }\n  .ins-comparatif thead th:first-child { padding-left: 22px; }\n  .ph { text-align: center !important; }\n\n  .pbadge {\n    display: inline-block;\n    background: var(--navy);\n    color: var(--white);\n    font-size: 10px;\n    font-weight: 700;\n    letter-spacing: 0.06em;\n    text-transform: uppercase;\n    padding: 3px 8px;\n    border-radius: 4px;\n    margin-bottom: 6px;\n  }\n  .pname {\n    display: block;\n    font-size: 15px;\n    font-weight: 800;\n    color: var(--navy);\n    letter-spacing: -0.01em;\n    margin-bottom: 3px;\n  }\n  .ptype {\n    display: block;\n    font-size: 12px;\n    font-weight: 600;\n    color: var(--grey-400);\n    letter-spacing: 0.07em;\n    text-transform: uppercase;\n  }\n\n  \/* \u2500\u2500 Section rows \u2500\u2500 *\/\n  .ins-comparatif .sr td {\n    background: var(--navy) !important;\n    color: var(--white) !important;\n    padding: 9px 22px;\n    font-size: 12px;\n    font-weight: 800 !important;\n    letter-spacing: 0.13em;\n    text-transform: uppercase;\n    border: none;\n  }\n\n  \/* \u2500\u2500 Body rows \u2500\u2500 *\/\n  .ins-comparatif tbody tr { border-bottom: 1px solid var(--grey-100); }\n  .ins-comparatif tbody tr:not(.sr):hover { background: var(--grey-50); }\n  .ins-comparatif tbody tr:last-child { border-bottom: none; }\n\n  .ins-comparatif td {\n    padding: 13px 14px;\n    vertical-align: middle;\n    font-size: 14px;\n    color: var(--navy);\n  }\n  .ins-comparatif td:first-child {\n    padding-left: 22px;\n    font-size: 14px;\n    color: var(--grey-600);\n    font-weight: 500;\n    vertical-align: top;\n    padding-top: 15px;\n  }\n  .ins-comparatif td:not(:first-child) { text-align: center; }\n\n  .row-sub {\n    font-size: 11px;\n    color: var(--grey-400);\n    display: block;\n    margin-top: 2px;\n    font-weight: 400;\n  }\n\n  \/* \u2500\u2500 Chips \u2500\u2500 *\/\n  .chip {\n    display: inline-flex;\n    align-items: center;\n    justify-content: center;\n    padding: 4px 13px;\n    border-radius: 20px;\n    font-size: 13px;\n    font-weight: 600;\n    white-space: nowrap;\n  }\n  .c-good { background: var(--green-bg);  color: var(--green);    border: 1px solid rgba(22,163,74,0.22); }\n  .c-mid  { background: var(--green-bg);  color: var(--green);    border: 1px solid rgba(22,163,74,0.22); }\n  .c-bad  { background: var(--red-bg);    color: var(--red);      border: 1px solid rgba(220,38,38,0.18); }\n  .c-dim  { background: var(--grey-100);  color: var(--grey-400); border: 1px solid var(--grey-200); }\n  .c-sky  { background: var(--sky-dim);   color: var(--navy-mid); border: 1px solid rgba(181,224,248,0.4); }\n\n  \/* \u2500\u2500 Chip stack (passif\/actif) \u2500\u2500 *\/\n  .chip-stack {\n    display: flex;\n    flex-direction: column;\n    align-items: center;\n    gap: 4px;\n  }\n  .chip-label {\n    font-size: 11px;\n    font-weight: 700;\n    letter-spacing: 0.06em;\n    text-transform: uppercase;\n    color: var(--grey-400);\n  }\n\n  \/* \u2500\u2500 TER row \u2500\u2500 *\/\n  .ter-row {\n    display: flex;\n    align-items: center;\n    justify-content: center;\n    gap: 6px;\n  }\n\n  \/* \u2500\u2500 Total fees \u2500\u2500 *\/\n  .total-fees-row {\n    display: flex;\n    flex-direction: column;\n    align-items: center;\n    gap: 4px;\n  }\n  .total-fees-detail {\n    font-size: 11px;\n    color: var(--grey-400);\n    text-align: center;\n    line-height: 1.4;\n  }\n\n  \/* \u2500\u2500 Status badges \u2500\u2500 *\/\n  .st {\n    display: inline-flex;\n    align-items: center;\n    gap: 5px;\n    font-size: 13px;\n    font-weight: 600;\n    padding: 4px 13px;\n    border-radius: 20px;\n  }\n  .st-yes  { background: var(--green-bg);  color: var(--green);    border: 1px solid rgba(22,163,74,0.22); }\n  .st-part { background: var(--green-bg);  color: var(--green);    border: 1px solid rgba(22,163,74,0.22); }\n  .st-no   { background: var(--grey-100);  color: var(--grey-400); border: 1px solid var(--grey-200); }\n\n  \/* \u2500\u2500 Fund list \u2500\u2500 *\/\n  .fl {\n    list-style: none;\n    text-align: left;\n    display: flex;\n    flex-direction: column;\n    gap: 5px;\n  }\n  .fl li {\n    font-size: 13px;\n    color: var(--grey-600);\n    line-height: 1.4;\n    padding-left: 11px;\n    position: relative;\n  }\n  .fl li::before {\n    content: '\u00b7';\n    position: absolute;\n    left: 0;\n    color: var(--navy-light);\n    font-size: 15px;\n    line-height: 1.05;\n  }\n  .fl li.fl-head {\n    font-weight: 700;\n    color: var(--navy);\n    font-size: 12px;\n    letter-spacing: 0.04em;\n    text-transform: uppercase;\n    padding-left: 0;\n  }\n  .fl li.fl-head::before { content: ''; }\n\n  \/* \u2500\u2500 Strategy badges \u2500\u2500 *\/\n  .sw { display: flex; flex-direction: column; align-items: center; gap: 4px; }\n  .sb {\n    font-size: 12px;\n    padding: 3px 11px;\n    border-radius: 10px;\n    background: var(--grey-100);\n    color: var(--grey-600);\n    border: 1px solid var(--grey-200);\n    white-space: nowrap;\n    font-weight: 500;\n  }\n\n  \/* \u2500\u2500 Scenario values \u2500\u2500 *\/\n  .sc-low { color: var(--grey-400); font-size: 14px; font-weight: 500; }\n  .sc-mid { color: var(--navy);     font-size: 14px; font-weight: 700; }\n  .sc-hi  { color: var(--navy-mid); font-size: 14px; font-weight: 700; }\n\n  \/* \u2500\u2500 Pro\/con \u2500\u2500 *\/\n  .pro-con { list-style: none; text-align: left; display: flex; flex-direction: column; gap: 6px; }\n  .pro-con li { font-size: 12px; line-height: 1.4; padding-left: 18px; position: relative; }\n  .pro-con li.pro { color: var(--green); }\n  .pro-con li.pro::before { content: '\u2713'; position: absolute; left: 0; font-weight: 700; color: var(--green); }\n  .pro-con li.con { color: var(--red); }\n  .pro-con li.con::before { content: '\u2717'; position: absolute; left: 0; font-weight: 700; color: var(--red); }\n\n  \/* \u2500\u2500 Hypotheses box \u2500\u2500 *\/\n  .hyp-box {\n    background: var(--sky-faint);\n    border: 1px solid rgba(181,224,248,0.5);\n    border-top: none;\n    padding: 16px 20px;\n    font-size: 14px;\n    color: var(--grey-600);\n    line-height: 1.7;\n  }\n  .hyp-box strong { color: var(--navy); font-weight: 700; }\n  .hyp-grid {\n    display: grid;\n    grid-template-columns: repeat(3, 1fr);\n    gap: 10px;\n    margin-top: 12px;\n  }\n  .hyp-item {\n    background: var(--white);\n    border: 1px solid var(--grey-200);\n    border-radius: 10px;\n    padding: 12px 14px;\n    text-align: center;\n  }\n  .hyp-label { font-size: 11px; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; color: var(--grey-400); margin-bottom: 5px; }\n  .hyp-rate  { font-size: 20px; font-weight: 800; color: var(--navy); letter-spacing: -0.02em; }\n  .hyp-desc  { font-size: 12px; color: var(--grey-400); margin-top: 4px; line-height: 1.5; }\n\n  \/* \u2500\u2500 Note \u2500\u2500 *\/\n  .ins-note {\n    margin-top: 12px;\n    font-size: 13px;\n    color: var(--grey-400);\n    line-height: 1.7;\n    padding: 0 2px;\n  }\n  .ins-note strong { color: var(--grey-600); font-weight: 600; }\n\n  \/* \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\n     MOBILE CARDS (shared pattern)\n     \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 *\/\n  .ins-mobile { display: none; }\n\n  .mobile-cards {\n    display: flex;\n    flex-direction: column;\n    border: 1px solid var(--grey-200);\n    border-radius: 14px;\n    overflow: hidden;\n  }\n\n  .mc { border-bottom: 1px solid var(--grey-200); background: var(--white); }\n  .mc:last-child { border-bottom: none; }\n\n  .mc-header {\n    background: var(--navy);\n    padding: 14px 16px;\n  }\n  .mc-name { font-size: 16px; font-weight: 800; color: var(--white); letter-spacing: -0.01em; }\n  .mc-type { font-size: 11px; font-weight: 600; color: rgba(255,255,255,0.55); letter-spacing: 0.07em; text-transform: uppercase; margin-top: 2px; }\n\n  .mc-section {\n    background: var(--navy);\n    padding: 7px 16px;\n    font-size: 11px;\n    font-weight: 800;\n    letter-spacing: 0.13em;\n    text-transform: uppercase;\n    color: var(--white);\n  }\n\n  .mc-row {\n    padding: 12px 16px;\n    border-bottom: 1px solid var(--grey-100);\n    display: flex;\n    flex-direction: column;\n    gap: 6px;\n  }\n  .mc-row:last-child { border-bottom: none; }\n\n  .mc-label {\n    font-size: 11px;\n    font-weight: 700;\n    letter-spacing: 0.06em;\n    text-transform: uppercase;\n    color: var(--grey-400);\n  }\n  .mc-value { font-size: 14px; color: var(--navy); }\n  .mc-value .chip-stack { align-items: flex-start; }\n\n  .mc-scenarios {\n    display: grid;\n    grid-template-columns: repeat(3, 1fr);\n    gap: 8px;\n  }\n  .mc-scenario {\n    background: var(--grey-50);\n    border: 1px solid var(--grey-200);\n    border-radius: 8px;\n    padding: 10px 8px;\n    text-align: center;\n  }\n  .mc-scenario-label {\n    font-size: 10px;\n    font-weight: 700;\n    text-transform: uppercase;\n    letter-spacing: 0.06em;\n    color: var(--grey-400);\n    margin-bottom: 5px;\n  }\n  .mc-scenario-val { font-size: 12px; font-weight: 700; line-height: 1.3; }\n\n  \/* \u2500\u2500 Breakpoint \u2500\u2500 *\/\n  @media (max-width: 700px) {\n    .ins-scroll  { display: none; }\n    .ins-mobile  { display: block; }\n    .hyp-grid    { grid-template-columns: 1fr; }\n    .hyp-box     { border-radius: 0 0 14px 14px; border: 1px solid rgba(181,224,248,0.5); border-top: none; }\n  }\n<\/style>\n<\/head>\n<body>\n<div class=\"ins-comparatif\">\n\n  <!-- \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 DESKTOP TABLE \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 -->\n  <div class=\"ins-scroll\">\n    <table>\n      <colgroup>\n        <col class=\"col-label\" \/>\n        <col class=\"col-provider\" \/>\n        <col class=\"col-provider\" \/>\n        <col class=\"col-provider\" \/>\n        <col class=\"col-provider\" \/>\n        <col class=\"col-provider\" \/>\n      <\/colgroup>\n      <thead>\n        <tr>\n          <th><\/th>\n          <th class=\"ph\">\n            <span class=\"pbadge\">Frais les plus bas du march\u00e9<\/span>\n            <span class=\"pname\">Tellco<\/span>\n            <span class=\"ptype\">Pilier 3a<\/span>\n          <\/th>\n          <th class=\"ph\">\n            <span class=\"pname\">UBS<\/span>\n            <span class=\"ptype\">Vitainvest<\/span>\n          <\/th>\n          <th class=\"ph\">\n            <span class=\"pname\">PostFinance<\/span>\n            <span class=\"ptype\">Fonds ESG<\/span>\n          <\/th>\n          <th class=\"ph\">\n            <span class=\"pname\">VZ<\/span>\n            <span class=\"ptype\">Placements indiciels<\/span>\n          <\/th>\n          <th class=\"ph\">\n            <span class=\"pname\">Banque Migros<\/span>\n            <span class=\"ptype\">Fonds 3a<\/span>\n          <\/th>\n        <\/tr>\n      <\/thead>\n      <tbody>\n\n        <tr class=\"sr\"><td colspan=\"6\">Frais<\/td><\/tr>\n\n        <tr>\n          <td>TER des fonds<span class=\"row-sub\">Fourchette selon strat\u00e9gie choisie<\/span><\/td>\n          <td><div class=\"ter-row\"><span class=\"chip c-good\">0.05 \u2013 1.30 %<\/span><\/div><\/td>\n          <td>\n            <div class=\"chip-stack\">\n              <span class=\"chip-label\">Passif<\/span><span class=\"chip c-good\">0.25 %<\/span>\n              <span class=\"chip-label\" style=\"margin-top:4px\">Actif<\/span><span class=\"chip c-bad\">1.35 \u2013 1.71 %<\/span>\n            <\/div>\n          <\/td>\n          <td><div class=\"ter-row\"><span class=\"chip c-bad\">1.12 \u2013 1.30 %<\/span><\/div><\/td>\n          <td><div class=\"ter-row\"><span class=\"chip c-good\">~0.20 % (estim\u00e9)<\/span><\/div><\/td>\n          <td><div class=\"ter-row\"><span class=\"chip c-bad\">0.90 \u2013 1.10 %<\/span><\/div><\/td>\n        <\/tr>\n\n        <tr>\n          <td>Frais de plateforme<span class=\"row-sub\">Hors TER des fonds<\/span><\/td>\n          <td><div class=\"chip-stack\"><span class=\"chip c-good\">0.00 \u2013 0.35 %<\/span><\/div><\/td>\n          <td>\n            <div class=\"chip-stack\">\n              <span class=\"chip-label\">Passif<\/span><span class=\"chip c-good\">0.65 %\/an<\/span>\n              <span class=\"chip-label\" style=\"margin-top:4px\">Actif<\/span><span class=\"chip c-dim\">0 % (TER uniquement)<\/span>\n            <\/div>\n          <\/td>\n          <td><span class=\"chip c-dim\">Aucun frais de plateforme<\/span><\/td>\n          <td><span class=\"chip c-good\">0.68 %\/an<\/span><\/td>\n          <td><span class=\"chip c-dim\">Aucun frais de plateforme<\/span><\/td>\n        <\/tr>\n\n        <tr>\n          <td>Frais totaux estim\u00e9s<span class=\"row-sub\">Strat\u00e9gie offensive \u00b7 tout compris<\/span><\/td>\n          <td>\n            <div class=\"total-fees-row\">\n              <span class=\"chip c-good\">~0.45 %\/an<\/span>\n              <span class=\"total-fees-detail\">ex. SPDR MSCI World 0.12% + plateforme 0.35%<\/span>\n            <\/div>\n          <\/td>\n          <td>\n            <div class=\"chip-stack\">\n              <span class=\"chip-label\">Passif<\/span><span class=\"chip c-good\">~0.90 %\/an<\/span>\n              <span class=\"total-fees-detail\">0.65% plateforme + 0.25% TER<\/span>\n              <span class=\"chip-label\" style=\"margin-top:4px\">Actif<\/span><span class=\"chip c-bad\">1.35 \u2013 1.71 %\/an<\/span>\n              <span class=\"total-fees-detail\">TER uniquement<\/span>\n            <\/div>\n          <\/td>\n          <td>\n            <div class=\"total-fees-row\">\n              <span class=\"chip c-bad\">~1.25 %\/an<\/span>\n              <span class=\"total-fees-detail\">TER moyen + frais d'entr\u00e9e amortis<\/span>\n            <\/div>\n          <\/td>\n          <td>\n            <div class=\"total-fees-row\">\n              <span class=\"chip c-good\">~0.88 %\/an<\/span>\n              <span class=\"total-fees-detail\">0.68% plateforme + ~0.20% TER estim\u00e9<\/span>\n            <\/div>\n          <\/td>\n          <td>\n            <div class=\"total-fees-row\">\n              <span class=\"chip c-bad\">~1.00 %\/an<\/span>\n              <span class=\"total-fees-detail\">TER uniquement, pas de frais de plateforme<\/span>\n            <\/div>\n          <\/td>\n        <\/tr>\n\n        <tr class=\"sr\"><td colspan=\"6\">Fonds disponibles<\/td><\/tr>\n\n        <tr>\n          <td>Univers de placement<span class=\"row-sub\">S\u00e9lection et cat\u00e9gories disponibles<\/span><\/td>\n          <td>\n            <ul class=\"fl\">\n              <li>Fonds strat\u00e9giques Tellco (10\/25\/45\/100)<\/li>\n              <li>ETF obligations suisses &amp; monde<\/li>\n              <li>ETF actions suisses &amp; monde<\/li>\n              <li>Fonds th\u00e9matiques (IA, sant\u00e9, robotique\u2026)<\/li>\n              <li>Immobilier suisse &amp; monde<\/li>\n              <li>Mati\u00e8res premi\u00e8res &amp; alternatifs<\/li>\n            <\/ul>\n          <\/td>\n          <td>\n            <ul class=\"fl\">\n              <li class=\"fl-head\">Passif (recommand\u00e9)<\/li>\n              <li>Vitainvest Passive 100 Sustainable<\/li>\n              <li>Vitainvest Passive 75 \/ 50 \/ 25 Sustainable<\/li>\n              <li class=\"fl-head\" style=\"margin-top:6px\">Actif<\/li>\n              <li>Vitainvest 100 World Sustainable<\/li>\n              <li>Vitainvest 75 \/ 50 \/ 25 World &amp; Swiss Sustainable<\/li>\n            <\/ul>\n          <\/td>\n          <td>\n            <ul class=\"fl\">\n              <li>PF Pension ESG 25<\/li>\n              <li>PF Pension ESG 50<\/li>\n              <li>PF Pension ESG 75<\/li>\n              <li>PF Pension ESG 100<\/li>\n            <\/ul>\n          <\/td>\n          <td>\n            <ul class=\"fl\">\n              <li>6 strat\u00e9gies indicielles<\/li>\n              <li>De 15 % \u00e0 97 % actions<\/li>\n            <\/ul>\n          <\/td>\n          <td>\n            <ul class=\"fl\">\n              <li>MB Fonds \u2013 0 \/ 25 \/ 45 \/ 65 \/ 85<\/li>\n              <li>MB Fonds Sustainable \u2013 0 \/ 25 \/ 45 \/ 65 \/ 85<\/li>\n            <\/ul>\n          <\/td>\n        <\/tr>\n\n        <tr class=\"sr\"><td colspan=\"6\">Projections \u00e0 l'\u00e9ch\u00e9ance \u00b7 CHF 7'258\/an \u00b7 40 ans \u00b7 investisseur de 25 ans \u00b7 strat\u00e9gie offensive<\/td><\/tr>\n\n        <tr>\n          <td>Sc\u00e9nario d\u00e9favorable<span class=\"row-sub\">Rendement brut : ~0.2 %\/an<\/span><\/td>\n          <td><span class=\"sc-low\">CHF 277'000<\/span><\/td>\n          <td><span class=\"sc-low\">CHF 254'000 (passif)<\/span><\/td>\n          <td><span class=\"sc-low\">CHF 238'000<\/span><\/td>\n          <td><span class=\"sc-low\">CHF 255'000<\/span><\/td>\n          <td><span class=\"sc-low\">CHF 249'000<\/span><\/td>\n        <\/tr>\n\n        <tr>\n          <td>Sc\u00e9nario moyen<span class=\"row-sub\">Rendement brut : ~7.1 %\/an<\/span><\/td>\n          <td><span class=\"sc-mid\">CHF 1'324'000<\/span><\/td>\n          <td><span class=\"sc-mid\">CHF 1'181'000 (passif)<\/span><\/td>\n          <td><span class=\"sc-mid\">CHF 1'082'000<\/span><\/td>\n          <td><span class=\"sc-mid\">CHF 1'187'000<\/span><\/td>\n          <td><span class=\"sc-mid\">CHF 1'152'000<\/span><\/td>\n        <\/tr>\n\n        <tr>\n          <td>Sc\u00e9nario favorable<span class=\"row-sub\">Rendement brut : ~9.0 %\/an<\/span><\/td>\n          <td><span class=\"sc-hi\">CHF 2'175'000<\/span><\/td>\n          <td><span class=\"sc-hi\">CHF 1'930'000 (passif)<\/span><\/td>\n          <td><span class=\"sc-hi\">CHF 1'761'000<\/span><\/td>\n          <td><span class=\"sc-hi\">CHF 1'941'000<\/span><\/td>\n          <td><span class=\"sc-hi\">CHF 1'880'000<\/span><\/td>\n        <\/tr>\n\n        <tr class=\"sr\"><td colspan=\"6\">Avantages &amp; inconv\u00e9nients<\/td><\/tr>\n\n        <tr>\n          <td>Points cl\u00e9s<\/td>\n          <td>\n            <ul class=\"pro-con\">\n              <li class=\"pro\">Frais totaux les plus bas du march\u00e9 suisse (~0.45 %)<\/li>\n              <li class=\"pro\">Univers de placement le plus large du march\u00e9 bancaire<\/li>\n              <li class=\"pro\">Acc\u00e8s aux ETF th\u00e9matiques (IA, robotique, blockchain)<\/li>\n              <li class=\"pro\">Mati\u00e8res premi\u00e8res et alternatifs disponibles<\/li>\n              <li class=\"con\">Complexit\u00e9 du choix pour les non-initi\u00e9s<\/li>\n            <\/ul>\n          <\/td>\n          <td>\n            <ul class=\"pro-con\">\n              <li class=\"pro\">Approche ESG syst\u00e9matique<\/li>\n              <li class=\"pro\">Marque reconnue, solidit\u00e9 institutionnelle<\/li>\n              <li class=\"con\">Fonds actifs chers (1.35\u20131.71 %) pour un r\u00e9sultat similaire<\/li>\n              <li class=\"con\">Choix limit\u00e9 aux fonds UBS uniquement<\/li>\n            <\/ul>\n          <\/td>\n          <td>\n            <ul class=\"pro-con\">\n              <li class=\"pro\">Int\u00e9gration facile pour clients PostFinance existants<\/li>\n              <li class=\"pro\">Approche ESG sur tous les fonds<\/li>\n              <li class=\"pro\">Aucun frais de transaction ni de plateforme<\/li>\n              <li class=\"con\">TER parmi les plus \u00e9lev\u00e9s du march\u00e9 (1.12\u20131.30 %)<\/li>\n              <li class=\"con\">Frais d'entr\u00e9e jusqu'\u00e0 1 % selon fonds<\/li>\n              <li class=\"con\">Choix limit\u00e9 \u00e0 4 fonds uniquement<\/li>\n            <\/ul>\n          <\/td>\n          <td>\n            <ul class=\"pro-con\">\n              <li class=\"pro\">S\u00e9lection ind\u00e9pendante, aucun produit maison<\/li>\n              <li class=\"pro\">Rebalancing automatique sans frais<\/li>\n              <li class=\"pro\">Transfert des titres possible \u00e0 la retraite<\/li>\n              <li class=\"pro\">Conseil personnalis\u00e9 inclus<\/li>\n              <li class=\"con\">Moins adapt\u00e9 aux petits montants<\/li>\n            <\/ul>\n          <\/td>\n          <td>\n            <ul class=\"pro-con\">\n              <li class=\"pro\">Large choix de fonds (standard + sustainable)<\/li>\n              <li class=\"pro\">Marque de confiance en Suisse<\/li>\n              <li class=\"con\">TER \u00e9lev\u00e9s pour des fonds g\u00e9r\u00e9s activement<\/li>\n              <li class=\"con\">Aucun fonds indiciel pur disponible<\/li>\n            <\/ul>\n          <\/td>\n        <\/tr>\n\n      <\/tbody>\n    <\/table>\n  <\/div>\n\n  <!-- \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 MOBILE CARDS \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 -->\n  <div class=\"ins-mobile\">\n    <div class=\"mobile-cards\">\n\n      <!-- TELLCO -->\n      <div class=\"mc\">\n        <div class=\"mc-header\">\n          <div class=\"mc-name\">Tellco<\/div>\n          <div class=\"mc-type\">Pilier 3a<\/div>\n        <\/div>\n        <div class=\"mc-section\">Frais<\/div>\n        <div class=\"mc-row\">\n          <div class=\"mc-label\">TER des fonds<\/div>\n          <div class=\"mc-value\"><span class=\"chip c-good\">0.05 \u2013 1.30 %<\/span><\/div>\n        <\/div>\n        <div class=\"mc-row\">\n          <div class=\"mc-label\">Frais de plateforme<\/div>\n          <div class=\"mc-value\"><span class=\"chip c-good\">0.00 \u2013 0.35 %<\/span><\/div>\n        <\/div>\n        <div class=\"mc-row\">\n          <div class=\"mc-label\">Frais totaux estim\u00e9s<\/div>\n          <div class=\"mc-value\">\n            <span class=\"chip c-good\">~0.45 %\/an<\/span>\n            <div class=\"total-fees-detail\" style=\"margin-top:4px\">ex. SPDR MSCI World 0.12% + plateforme 0.35%<\/div>\n          <\/div>\n        <\/div>\n        <div class=\"mc-section\">Fonds disponibles<\/div>\n        <div class=\"mc-row\">\n          <div class=\"mc-value\">\n            <ul class=\"fl\">\n              <li>Fonds strat\u00e9giques Tellco (10\/25\/45\/100)<\/li>\n              <li>ETF obligations suisses &amp; monde<\/li>\n              <li>ETF actions suisses &amp; monde<\/li>\n              <li>Fonds th\u00e9matiques (IA, sant\u00e9, robotique\u2026)<\/li>\n              <li>Immobilier suisse &amp; monde<\/li>\n              <li>Mati\u00e8res premi\u00e8res &amp; alternatifs<\/li>\n            <\/ul>\n          <\/div>\n        <\/div>\n        <div class=\"mc-section\">Projections \u00b7 CHF 7'258\/an \u00b7 40 ans<\/div>\n        <div class=\"mc-row\">\n          <div class=\"mc-scenarios\">\n            <div class=\"mc-scenario\"><div class=\"mc-scenario-label\">D\u00e9favorable<\/div><div class=\"mc-scenario-val sc-low\">CHF 277'000<\/div><\/div>\n            <div class=\"mc-scenario\"><div class=\"mc-scenario-label\">Moyen<\/div><div class=\"mc-scenario-val sc-mid\">CHF 1'324'000<\/div><\/div>\n            <div class=\"mc-scenario\"><div class=\"mc-scenario-label\">Favorable<\/div><div class=\"mc-scenario-val sc-hi\">CHF 2'175'000<\/div><\/div>\n          <\/div>\n        <\/div>\n        <div class=\"mc-section\">Points cl\u00e9s<\/div>\n        <div class=\"mc-row\">\n          <div class=\"mc-value\">\n            <ul class=\"pro-con\">\n              <li class=\"pro\">Frais totaux les plus bas du march\u00e9 suisse (~0.45 %)<\/li>\n              <li class=\"pro\">Univers de placement le plus large du march\u00e9 bancaire<\/li>\n              <li class=\"pro\">ETF th\u00e9matiques (IA, robotique, blockchain)<\/li>\n              <li class=\"pro\">Mati\u00e8res premi\u00e8res et alternatifs disponibles<\/li>\n              <li class=\"con\">Complexit\u00e9 du choix pour les non-initi\u00e9s<\/li>\n            <\/ul>\n          <\/div>\n        <\/div>\n      <\/div>\n\n      <!-- UBS -->\n      <div class=\"mc\">\n        <div class=\"mc-header\">\n          <div class=\"mc-name\">UBS<\/div>\n          <div class=\"mc-type\">Vitainvest<\/div>\n        <\/div>\n        <div class=\"mc-section\">Frais<\/div>\n        <div class=\"mc-row\">\n          <div class=\"mc-label\">TER des fonds<\/div>\n          <div class=\"mc-value\">\n            <div class=\"chip-stack\" style=\"align-items:flex-start\">\n              <span class=\"chip-label\">Passif<\/span><span class=\"chip c-good\">0.25 %<\/span>\n              <span class=\"chip-label\" style=\"margin-top:4px\">Actif<\/span><span class=\"chip c-bad\">1.35 \u2013 1.71 %<\/span>\n            <\/div>\n          <\/div>\n        <\/div>\n        <div class=\"mc-row\">\n          <div class=\"mc-label\">Frais de plateforme<\/div>\n          <div class=\"mc-value\">\n            <div class=\"chip-stack\" style=\"align-items:flex-start\">\n              <span class=\"chip-label\">Passif<\/span><span class=\"chip c-good\">0.65 %\/an<\/span>\n              <span class=\"chip-label\" style=\"margin-top:4px\">Actif<\/span><span class=\"chip c-dim\">0 % (TER uniquement)<\/span>\n            <\/div>\n          <\/div>\n        <\/div>\n        <div class=\"mc-row\">\n          <div class=\"mc-label\">Frais totaux estim\u00e9s<\/div>\n          <div class=\"mc-value\">\n            <div class=\"chip-stack\" style=\"align-items:flex-start\">\n              <span class=\"chip-label\">Passif<\/span><span class=\"chip c-good\">~0.90 %\/an<\/span>\n              <span class=\"chip-label\" style=\"margin-top:4px\">Actif<\/span><span class=\"chip c-bad\">1.35 \u2013 1.71 %\/an<\/span>\n            <\/div>\n          <\/div>\n        <\/div>\n        <div class=\"mc-section\">Fonds disponibles<\/div>\n        <div class=\"mc-row\">\n          <div class=\"mc-value\">\n            <ul class=\"fl\">\n              <li class=\"fl-head\">Passif (recommand\u00e9)<\/li>\n              <li>Vitainvest Passive 100 \/ 75 \/ 50 \/ 25 Sustainable<\/li>\n              <li class=\"fl-head\" style=\"margin-top:6px\">Actif<\/li>\n              <li>Vitainvest 100 \/ 75 \/ 50 \/ 25 World &amp; Swiss Sustainable<\/li>\n            <\/ul>\n          <\/div>\n        <\/div>\n        <div class=\"mc-section\">Projections \u00b7 CHF 7'258\/an \u00b7 40 ans<\/div>\n        <div class=\"mc-row\">\n          <div class=\"mc-scenarios\">\n            <div class=\"mc-scenario\"><div class=\"mc-scenario-label\">D\u00e9favorable<\/div><div class=\"mc-scenario-val sc-low\">CHF 254'000<\/div><\/div>\n            <div class=\"mc-scenario\"><div class=\"mc-scenario-label\">Moyen<\/div><div class=\"mc-scenario-val sc-mid\">CHF 1'181'000<\/div><\/div>\n            <div class=\"mc-scenario\"><div class=\"mc-scenario-label\">Favorable<\/div><div class=\"mc-scenario-val sc-hi\">CHF 1'930'000<\/div><\/div>\n          <\/div>\n        <\/div>\n        <div class=\"mc-section\">Points cl\u00e9s<\/div>\n        <div class=\"mc-row\">\n          <div class=\"mc-value\">\n            <ul class=\"pro-con\">\n              <li class=\"pro\">Approche ESG syst\u00e9matique<\/li>\n              <li class=\"pro\">Marque reconnue, solidit\u00e9 institutionnelle<\/li>\n              <li class=\"con\">Fonds actifs chers (1.35\u20131.71 %)<\/li>\n              <li class=\"con\">Choix limit\u00e9 aux fonds UBS uniquement<\/li>\n            <\/ul>\n          <\/div>\n        <\/div>\n      <\/div>\n\n      <!-- POSTFINANCE -->\n      <div class=\"mc\">\n        <div class=\"mc-header\">\n          <div class=\"mc-name\">PostFinance<\/div>\n          <div class=\"mc-type\">Fonds ESG<\/div>\n        <\/div>\n        <div class=\"mc-section\">Frais<\/div>\n        <div class=\"mc-row\">\n          <div class=\"mc-label\">TER des fonds<\/div>\n          <div class=\"mc-value\"><span class=\"chip c-bad\">1.12 \u2013 1.30 %<\/span><\/div>\n        <\/div>\n        <div class=\"mc-row\">\n          <div class=\"mc-label\">Frais de plateforme<\/div>\n          <div class=\"mc-value\"><span class=\"chip c-dim\">Aucun frais de plateforme<\/span><\/div>\n        <\/div>\n        <div class=\"mc-row\">\n          <div class=\"mc-label\">Frais totaux estim\u00e9s<\/div>\n          <div class=\"mc-value\">\n            <span class=\"chip c-bad\">~1.25 %\/an<\/span>\n            <div class=\"total-fees-detail\" style=\"margin-top:4px\">TER moyen + frais d'entr\u00e9e amortis<\/div>\n          <\/div>\n        <\/div>\n        <div class=\"mc-section\">Fonds disponibles<\/div>\n        <div class=\"mc-row\">\n          <div class=\"mc-value\">\n            <ul class=\"fl\">\n              <li>PF Pension ESG 25<\/li>\n              <li>PF Pension ESG 50<\/li>\n              <li>PF Pension ESG 75<\/li>\n              <li>PF Pension ESG 100<\/li>\n            <\/ul>\n          <\/div>\n        <\/div>\n        <div class=\"mc-section\">Projections \u00b7 CHF 7'258\/an \u00b7 40 ans<\/div>\n        <div class=\"mc-row\">\n          <div class=\"mc-scenarios\">\n            <div class=\"mc-scenario\"><div class=\"mc-scenario-label\">D\u00e9favorable<\/div><div class=\"mc-scenario-val sc-low\">CHF 238'000<\/div><\/div>\n            <div class=\"mc-scenario\"><div class=\"mc-scenario-label\">Moyen<\/div><div class=\"mc-scenario-val sc-mid\">CHF 1'082'000<\/div><\/div>\n            <div class=\"mc-scenario\"><div class=\"mc-scenario-label\">Favorable<\/div><div class=\"mc-scenario-val sc-hi\">CHF 1'761'000<\/div><\/div>\n          <\/div>\n        <\/div>\n        <div class=\"mc-section\">Points cl\u00e9s<\/div>\n        <div class=\"mc-row\">\n          <div class=\"mc-value\">\n            <ul class=\"pro-con\">\n              <li class=\"pro\">Int\u00e9gration facile pour clients PostFinance existants<\/li>\n              <li class=\"pro\">Approche ESG sur tous les fonds<\/li>\n              <li class=\"pro\">Aucun frais de transaction ni de plateforme<\/li>\n              <li class=\"con\">TER parmi les plus \u00e9lev\u00e9s du march\u00e9 (1.12\u20131.30 %)<\/li>\n              <li class=\"con\">Frais d'entr\u00e9e jusqu'\u00e0 1 % selon fonds<\/li>\n              <li class=\"con\">Choix limit\u00e9 \u00e0 4 fonds uniquement<\/li>\n            <\/ul>\n          <\/div>\n        <\/div>\n      <\/div>\n\n      <!-- VZ -->\n      <div class=\"mc\">\n        <div class=\"mc-header\">\n          <div class=\"mc-name\">VZ<\/div>\n          <div class=\"mc-type\">Placements indiciels<\/div>\n        <\/div>\n        <div class=\"mc-section\">Frais<\/div>\n        <div class=\"mc-row\">\n          <div class=\"mc-label\">TER des fonds<\/div>\n          <div class=\"mc-value\"><span class=\"chip c-good\">~0.20 % (estim\u00e9)<\/span><\/div>\n        <\/div>\n        <div class=\"mc-row\">\n          <div class=\"mc-label\">Frais de plateforme<\/div>\n          <div class=\"mc-value\"><span class=\"chip c-good\">0.68 %\/an<\/span><\/div>\n        <\/div>\n        <div class=\"mc-row\">\n          <div class=\"mc-label\">Frais totaux estim\u00e9s<\/div>\n          <div class=\"mc-value\">\n            <span class=\"chip c-good\">~0.88 %\/an<\/span>\n            <div class=\"total-fees-detail\" style=\"margin-top:4px\">0.68% plateforme + ~0.20% TER estim\u00e9<\/div>\n          <\/div>\n        <\/div>\n        <div class=\"mc-section\">Fonds disponibles<\/div>\n        <div class=\"mc-row\">\n          <div class=\"mc-value\">\n            <ul class=\"fl\">\n              <li>6 strat\u00e9gies indicielles<\/li>\n              <li>De 15 % \u00e0 97 % actions<\/li>\n            <\/ul>\n          <\/div>\n        <\/div>\n        <div class=\"mc-section\">Projections \u00b7 CHF 7'258\/an \u00b7 40 ans<\/div>\n        <div class=\"mc-row\">\n          <div class=\"mc-scenarios\">\n            <div class=\"mc-scenario\"><div class=\"mc-scenario-label\">D\u00e9favorable<\/div><div class=\"mc-scenario-val sc-low\">CHF 255'000<\/div><\/div>\n            <div class=\"mc-scenario\"><div class=\"mc-scenario-label\">Moyen<\/div><div class=\"mc-scenario-val sc-mid\">CHF 1'187'000<\/div><\/div>\n            <div class=\"mc-scenario\"><div class=\"mc-scenario-label\">Favorable<\/div><div class=\"mc-scenario-val sc-hi\">CHF 1'941'000<\/div><\/div>\n          <\/div>\n        <\/div>\n        <div class=\"mc-section\">Points cl\u00e9s<\/div>\n        <div class=\"mc-row\">\n          <div class=\"mc-value\">\n            <ul class=\"pro-con\">\n              <li class=\"pro\">S\u00e9lection ind\u00e9pendante, aucun produit maison<\/li>\n              <li class=\"pro\">Rebalancing automatique sans frais<\/li>\n              <li class=\"pro\">Transfert des titres possible \u00e0 la retraite<\/li>\n              <li class=\"pro\">Conseil personnalis\u00e9 inclus<\/li>\n              <li class=\"con\">Moins adapt\u00e9 aux petits montants<\/li>\n            <\/ul>\n          <\/div>\n        <\/div>\n      <\/div>\n\n      <!-- BANQUE MIGROS -->\n      <div class=\"mc\">\n        <div class=\"mc-header\">\n          <div class=\"mc-name\">Banque Migros<\/div>\n          <div class=\"mc-type\">Fonds 3a<\/div>\n        <\/div>\n        <div class=\"mc-section\">Frais<\/div>\n        <div class=\"mc-row\">\n          <div class=\"mc-label\">TER des fonds<\/div>\n          <div class=\"mc-value\"><span class=\"chip c-bad\">0.90 \u2013 1.10 %<\/span><\/div>\n        <\/div>\n        <div class=\"mc-row\">\n          <div class=\"mc-label\">Frais de plateforme<\/div>\n          <div class=\"mc-value\"><span class=\"chip c-dim\">Aucun frais de plateforme<\/span><\/div>\n        <\/div>\n        <div class=\"mc-row\">\n          <div class=\"mc-label\">Frais totaux estim\u00e9s<\/div>\n          <div class=\"mc-value\">\n            <span class=\"chip c-bad\">~1.00 %\/an<\/span>\n            <div class=\"total-fees-detail\" style=\"margin-top:4px\">TER uniquement, pas de frais de plateforme<\/div>\n          <\/div>\n        <\/div>\n        <div class=\"mc-section\">Fonds disponibles<\/div>\n        <div class=\"mc-row\">\n          <div class=\"mc-value\">\n            <ul class=\"fl\">\n              <li>MB Fonds \u2013 0 \/ 25 \/ 45 \/ 65 \/ 85<\/li>\n              <li>MB Fonds Sustainable \u2013 0 \/ 25 \/ 45 \/ 65 \/ 85<\/li>\n            <\/ul>\n          <\/div>\n        <\/div>\n        <div class=\"mc-section\">Projections \u00b7 CHF 7'258\/an \u00b7 40 ans<\/div>\n        <div class=\"mc-row\">\n          <div class=\"mc-scenarios\">\n            <div class=\"mc-scenario\"><div class=\"mc-scenario-label\">D\u00e9favorable<\/div><div class=\"mc-scenario-val sc-low\">CHF 249'000<\/div><\/div>\n            <div class=\"mc-scenario\"><div class=\"mc-scenario-label\">Moyen<\/div><div class=\"mc-scenario-val sc-mid\">CHF 1'152'000<\/div><\/div>\n            <div class=\"mc-scenario\"><div class=\"mc-scenario-label\">Favorable<\/div><div class=\"mc-scenario-val sc-hi\">CHF 1'880'000<\/div><\/div>\n          <\/div>\n        <\/div>\n        <div class=\"mc-section\">Points cl\u00e9s<\/div>\n        <div class=\"mc-row\">\n          <div class=\"mc-value\">\n            <ul class=\"pro-con\">\n              <li class=\"pro\">Large choix de fonds (standard + sustainable)<\/li>\n              <li class=\"pro\">Marque de confiance en Suisse<\/li>\n              <li class=\"con\">TER \u00e9lev\u00e9s pour des fonds g\u00e9r\u00e9s activement<\/li>\n              <li class=\"con\">Aucun fonds indiciel pur disponible<\/li>\n            <\/ul>\n          <\/div>\n        <\/div>\n      <\/div>\n\n    <\/div>\n  <\/div>\n\n  <!-- Hypoth\u00e8ses -->\n  <div class=\"hyp-box\">\n    <strong>\u00c0 propos des projections \u00e0 l'\u00e9ch\u00e9ance<\/strong> \u2014 Nous avons appliqu\u00e9 les m\u00eames sc\u00e9narios de rendement brut que ceux utilis\u00e9s pour la comparaison des assurances 3a, afin de permettre une lecture coh\u00e9rente entre les deux types de solutions. Les frais totaux propres \u00e0 chaque prestataire (frais de plateforme + TER) sont d\u00e9duits annuellement du rendement brut par capitalisation. Les projections UBS correspondent aux fonds Vitainvest Passive. Les chiffres sont indicatifs et ne constituent aucune garantie.\n    <div class=\"hyp-grid\">\n      <div class=\"hyp-item\">\n        <div class=\"hyp-label\">D\u00e9favorable<\/div>\n        <div class=\"hyp-rate\">~0.2 %\/an<\/div>\n        <div class=\"hyp-desc\">Environnement de march\u00e9 durablement d\u00e9prim\u00e9. Correspond approximativement aux versements effectu\u00e9s.<\/div>\n      <\/div>\n      <div class=\"hyp-item\">\n        <div class=\"hyp-label\">Moyen<\/div>\n        <div class=\"hyp-rate\">~7.1 %\/an<\/div>\n        <div class=\"hyp-desc\">Bas\u00e9 sur les performances historiques \u00e0 long terme des fonds actions mondiaux diversifi\u00e9s.<\/div>\n      <\/div>\n      <div class=\"hyp-item\">\n        <div class=\"hyp-label\">Favorable<\/div>\n        <div class=\"hyp-rate\">~9.0 %\/an<\/div>\n        <div class=\"hyp-desc\">Sc\u00e9nario optimiste, r\u00e9alisable sur certaines p\u00e9riodes historiques \u2014 non garanti.<\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n\n  <p class=\"ins-note\">\n    <strong>Source :<\/strong> documentations officielles des prestataires \u00b7 donn\u00e9es \u00e0 fin f\u00e9vrier 2026.\n  <\/p>\n\n<\/div>\n<\/body>\n<\/html>\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-fa1ed36 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fa1ed36\" 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-7b94f08\" data-id=\"7b94f08\" 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-5427d3e elementor-widget elementor-widget-heading\" data-id=\"5427d3e\" 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\">Quel pilier 3a bancaire choisir selon votre profil ?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1ae2bac elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"1ae2bac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>25\u201335 ans, salari\u00e9, horizon 40 ans, \u00e0 l'aise avec les march\u00e9s :<\/strong> Tellco. Les frais de plateforme les plus bas du march\u00e9 suisse (0.35 %), combin\u00e9s \u00e0 l'univers de placement le plus large disponible en 3a bancaire. Id\u00e9al pour construire un portefeuille sur mesure avec des ETF mondiaux \u00e0 tr\u00e8s bas co\u00fbt, des fonds th\u00e9matiques ou des mati\u00e8res premi\u00e8res, selon votre conviction.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>25\u201345 ans, salari\u00e9, horizon long, sensible aux enjeux ESG :<\/strong> UBS Vitainvest Passive. Une approche indicielle syst\u00e9matiquement durable, avec un TER comp\u00e9titif \u00e0 0.25 %. La solidit\u00e9 institutionnelle d'UBS pour ceux qui pr\u00e9f\u00e8rent une solution cl\u00e9 en main sans avoir \u00e0 choisir parmi des dizaines de fonds.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>35\u201350 ans, client PostFinance existant, approche simple : <\/strong> PostFinance ESG. Si vous \u00eates d\u00e9j\u00e0 client PostFinance et que vous souhaitez centraliser votre gestion sans ouvrir de nouvelle relation bancaire, les fonds ESG de PostFinance remplissent leur r\u00f4le. Gardez en t\u00eate que les frais sont \u00e9lev\u00e9s pour ce type de produit, cette option se justifie avant tout par la simplicit\u00e9 et la praticit\u00e9, pas par la performance nette.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Tous \u00e2ges, priorit\u00e9 \u00e0 l'ind\u00e9pendance et au conseil :<\/strong> Verm\u00f6gensZentrum (VZ). Inclus un conseil et un suivi personnalis\u00e9, une s\u00e9lection d'ETFs et un rebalancing automatique sans frais. De plus, les titres peuvent \u00eatre transf\u00e9r\u00e9s dans votre d\u00e9p\u00f4t priv\u00e9 \u00e0 la retraite, \u00e9vitant une vente forc\u00e9e au mauvais moment.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Tous \u00e2ges, profil prudent \u00e0 mod\u00e9r\u00e9 :<\/strong> Banque Migros. Un large choix de strat\u00e9gies de 0 \u00e0 85 % actions, en version standard ou durable, avec une marque solide et des prix comp\u00e9titifs dans la cat\u00e9gorie des fonds g\u00e9r\u00e9s. \u00c0 noter qu'il n't existe pas de fonds purement indiciel, si la minimisation absolue des frais est votre priorit\u00e9, Tellco reste plus adapt\u00e9.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-d52bdd3 elementor-widget elementor-widget-toggle\" data-id=\"d52bdd3\" 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-2231\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-2231\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Puis-je ouvrir plusieurs comptes 3a ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2231\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-2231\"><p>Oui. La loi suisse vous autorise \u00e0 ouvrir <strong>autant de comptes ou d\u00e9p\u00f4ts 3a que vous le souhaitez<\/strong>, aupr\u00e8s de diff\u00e9rents \u00e9tablissements. Le plafond de versement annuel (CHF 7&rsquo;258 en 2026 pour les salari\u00e9s) s&rsquo;applique \u00e0 l&rsquo;ensemble de vos comptes 3a cumul\u00e9s, pas par compte.<\/p><p>L&rsquo;int\u00e9r\u00eat d&rsquo;en avoir plusieurs est fiscal : \u00e0 la retraite, les <strong>retraits sont impos\u00e9s s\u00e9par\u00e9ment<\/strong>, et \u00e9chelonner les rachats sur plusieurs ann\u00e9es permet de r\u00e9duire significativement la charge fiscale globale.<\/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-2232\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-2232\" 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\">Vaut-il mieux investir dans des fonds actifs ou passifs ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2232\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-2232\"><p>Sur le long terme, les fonds indiciels passifs surperforment la majorit\u00e9 des fonds g\u00e9r\u00e9s activement, apr\u00e8s frais. La raison est simple : les frais d&rsquo;un fonds actif (souvent 1.00-1.70 % de TER) s&rsquo;accumulent sur 40 ans et repr\u00e9sentent une part consid\u00e9rable du capital final. Un \u00e9cart de frais de 1 % par an sur 40 ans avec un rendement brut de 7 % repr\u00e9sente une diff\u00e9rence de capital final de plus de 30 %.<\/p><p>Sauf conviction particuli\u00e8re pour une strat\u00e9gie th\u00e9matique ou sectorielle, les fonds passifs sont dans la grande majorit\u00e9 des cas le meilleur choix pour un pilier 3a bancaire.<\/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-2233\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-2233\" 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 frais \u00e0 surveiller dans un pilier 3a bancaire ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2233\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-2233\"><p>Deux couches de frais s&rsquo;appliquent et doivent \u00eatre additionn\u00e9es : les frais de plateforme (ou frais de d\u00e9p\u00f4t), factur\u00e9s par la banque pour la gestion du compte-titres, et le TER des fonds, pr\u00e9lev\u00e9 directement sur la performance du fonds. Le chiffre pertinent est toujours la somme des deux (total all-in) et non l&rsquo;un ou l&rsquo;autre pris isol\u00e9ment.<\/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-2234\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-2234\" 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 se passe-t-il si les march\u00e9s baissent fortement peu avant ma retraite ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2234\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-2234\"><p>C&rsquo;est le principal risque d&rsquo;un pilier 3a investi en actions. Si une correction de march\u00e9 intervient dans les 2 \u00e0 3 ans pr\u00e9c\u00e9dant votre retraite, vous pourriez \u00eatre <strong>contraint de vendre vos positions \u00e0 un mauvais moment<\/strong>. La r\u00e8gle de base est de r\u00e9duire progressivement la part en actions \u00e0 l&rsquo;approche de la retraite (g\u00e9n\u00e9ralement \u00e0 partir de 10 ans avant l&rsquo;\u00e9ch\u00e9ance), en basculant vers des obligations ou des placements moins volatils. VZ offre la possibilit\u00e9 de transf\u00e9rer les titres dans un d\u00e9p\u00f4t priv\u00e9 au moment de la retraite, \u00e9vitant ainsi une vente forc\u00e9e si les cours sont bas. AXA permet de r\u00e9duire la part d&rsquo;actions progressivement, 5 ou 10 ans avant la fin du contrat.<\/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-2235\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-2235\" 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\">Les fonds ESG performent-ils aussi bien que les fonds classiques ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2235\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-2235\"><p>Les crit\u00e8res ESG entra\u00eenent g\u00e9n\u00e9ralement une exclusion de certains secteurs qui peuvent temporairement surperformer lors de certains cycles de march\u00e9, mais \u00e9galement moins de diversification. Pour un pilier 3a, l&rsquo;ESG est avant tout un crit\u00e8re de valeurs personnelles plut\u00f4t qu&rsquo;un levier de performance. Il ne devrait pas \u00eatre la raison principale de votre choix si votre priorit\u00e9 est le rendement net de frais.<\/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-2236\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-2236\" 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 se passe-t-il \u00e0 mon d\u00e9c\u00e8s avant la retraite ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2236\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-2236\"><p>Dans un pilier 3a bancaire, le <strong>capital disponible au moment du d\u00e9c\u00e8s<\/strong> est vers\u00e9 aux b\u00e9n\u00e9ficiaires selon l&rsquo;ordre l\u00e9gal d\u00e9fini par l&rsquo;<strong>OPP3<\/strong> : conjoint ou partenaire enregistr\u00e9 en premier, puis les descendants directs, puis les parents et fr\u00e8res et s\u0153urs. Seul le capital effectivement \u00e9pargn\u00e9 est vers\u00e9 \u2014 il n&rsquo;y a pas de capital garanti suppl\u00e9mentaire. C&rsquo;est une diff\u00e9rence fondamentale avec le pilier 3a en assurance, o\u00f9 un capital d\u00e9c\u00e8s peut \u00eatre souscrit ind\u00e9pendamment du montant \u00e9pargn\u00e9. Si la protection de vos proches est une priorit\u00e9, une assurance vie s\u00e9par\u00e9e ou un 3a assurantiel avec capital d\u00e9c\u00e8s m\u00e9rite d&rsquo;\u00eatre envisag\u00e9 en compl\u00e9ment.<\/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-2237\" class=\"elementor-tab-title\" data-tab=\"7\" role=\"button\" aria-controls=\"elementor-tab-content-2237\" 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 transf\u00e9rer mon 3\u00e8me pilier bancaire d'un \u00e9tablissement \u00e0 un autre ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2237\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"region\" aria-labelledby=\"elementor-tab-title-2237\"><p><strong>Oui<\/strong>, le transfert est possible entre \u00e9tablissements bancaires. Le capital doit \u00eatre <strong>transf\u00e9r\u00e9 directement de compte \u00e0 compte<\/strong>, vous ne pouvez pas encaisser les fonds vous-m\u00eame, sous peine de d\u00e9clencher une imposition imm\u00e9diate. La proc\u00e9dure est g\u00e9n\u00e9ralement simple : vous ouvrez un nouveau compte 3a aupr\u00e8s de l&rsquo;\u00e9tablissement cible, puis demandez le transfert par \u00e9crit. Attention : certains prestataires facturent des frais de sortie, et si vos fonds sont investis, la liquidation des positions peut prendre quelques jours ouvrables.\u00a0<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3ac52b7 elementor-widget elementor-widget-menu-anchor\" data-id=\"3ac52b7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"classement-apps\"><\/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-d03ca03 elementor-widget elementor-widget-heading\" data-id=\"d03ca03\" 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\">Meilleur 3\u00e8me pilier digital<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-59f4612 elementor-widget elementor-widget-text-editor\" data-id=\"59f4612\" 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 plateformes digitales de pilier 3a se distinguent par des frais souvent r\u00e9duits, une forte exposition aux march\u00e9s actions et une gestion automatis\u00e9e via application. Elles visent principalement l\u2019optimisation du rendement \u00e0 long terme gr\u00e2ce \u00e0 des portefeuilles largement diversifi\u00e9s.<\/p><p>Dans cette cat\u00e9gorie, l\u2019analyse compare les frais totaux (TER + plateforme), l\u2019allocation maximale en actions, la qualit\u00e9 des fonds utilis\u00e9s, la transparence des co\u00fbts et la facilit\u00e9 d\u2019utilisation.<\/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-8c016be elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"8c016be\" 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\">Montant de l\u2019avoir de vieillesse<\/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\">Salaire coordonn\u00e9<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Taux de cotisation<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-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\">Droits aux prestations en cas de retraite, d\u00e9c\u00e8s ou invalidit\u00e9<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-be24ea2 elementor-widget elementor-widget-html\" data-id=\"be24ea2\" 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 Pilier 3a Digital Suisse 2026<\/title>\n<link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\">\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Manrope:wght@300;400;500;600;700;800&display=swap\" rel=\"stylesheet\">\n\n<!--\n  NOTE: This file relies on the shared stylesheet from comparatif-assurance.html.\n  On your real page, include the <style> block only once in <head> and drop\n  each <div class=\"ins-comparatif\"> block wherever needed \u2014 no extra CSS required.\n\n  The only addition below is .pbadge which uses --sky (light blue badge variant).\n  Add this one rule to your shared stylesheet if not already present.\n-->\n<style>\n  \/* \u2500\u2500 Paste your full shared stylesheet here, then add 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 font-weight: 600;\n    white-space: nowrap;\n  }\n  .ins-comparatif .c-good { background: var(--green-bg);  color: var(--green);    border: 1px solid rgba(22,163,74,0.22); }\n  .ins-comparatif .c-mid  { background: var(--green-bg);  color: var(--green);    border: 1px solid rgba(22,163,74,0.22); }\n  .ins-comparatif .c-bad  { background: var(--red-bg);    color: var(--red);      border: 1px solid rgba(220,38,38,0.18); }\n  .ins-comparatif .c-dim  { background: var(--grey-100);  color: var(--grey-400); border: 1px solid var(--grey-200); }\n\n  .ins-comparatif .chip-stack { display: flex; flex-direction: column; align-items: center; gap: 5px; }\n  .ins-comparatif .chip-label { font-size: 10px; font-weight: 600; color: var(--grey-400); letter-spacing: 0.05em; text-transform: uppercase; }\n\n  .ins-comparatif .total-fees-row { display: flex; flex-direction: column; align-items: center; gap: 3px; }\n  .ins-comparatif .total-fees-detail { font-size: 10px; color: var(--grey-400); 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border-top: none; padding: 16px 20px; font-size: 14px; color: var(--grey-600); line-height: 1.7; }\n  .ins-comparatif .hyp-box strong { color: var(--navy); font-weight: 700; }\n  .ins-comparatif .hyp-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 10px; margin-top: 12px; }\n  .ins-comparatif .hyp-item { background: var(--white); border: 1px solid var(--grey-200); border-radius: 10px; padding: 12px 14px; text-align: center; }\n  .ins-comparatif .hyp-label { font-size: 11px; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; color: var(--grey-400); margin-bottom: 5px; }\n  .ins-comparatif .hyp-rate  { font-size: 20px; font-weight: 800; color: var(--navy); letter-spacing: -0.02em; }\n  .ins-comparatif .hyp-desc  { font-size: 12px; color: var(--grey-400); margin-top: 4px; line-height: 1.5; }\n\n  .ins-comparatif .ins-note { margin-top: 12px; font-size: 11px; color: var(--grey-400); line-height: 1.7; padding: 0 2px; }\n  .ins-comparatif .ins-note strong { 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}\n\n  @media (max-width: 700px) {\n    .ins-comparatif .ins-scroll { display: none; }\n    .ins-comparatif .ins-mobile { display: block; }\n    .ins-comparatif .hyp-grid { grid-template-columns: 1fr; }\n    .ins-comparatif .hyp-box { border-radius: 0 0 14px 14px; }\n  }\n<\/style>\n<\/head>\n<body>\n<div class=\"ins-comparatif\">\n\n  <!-- \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 DESKTOP TABLE \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 -->\n  <div class=\"ins-scroll\">\n    <table>\n      <colgroup>\n        <col class=\"col-label\" \/>\n        <col class=\"col-provider\" \/>\n        <col class=\"col-provider\" \/>\n        <col class=\"col-provider\" \/>\n        <col class=\"col-provider\" \/>\n      <\/colgroup>\n      <thead>\n        <tr>\n          <th><\/th>\n          <th class=\"ph\">\n            <span class=\"pbadge\">Meilleurs frais<\/span>\n            <span class=\"pname\">VIAC<\/span>\n            <span class=\"ptype\">Banque WIR<\/span>\n          <\/th>\n          <th class=\"ph\">\n            <span class=\"pname\">frankly<\/span>\n            <span class=\"ptype\">Z\u00fcrcher Kantonalbank<\/span>\n          <\/th>\n          <th class=\"ph\">\n            <span class=\"pname\">Yuh<\/span>\n            <span class=\"ptype\">Swissquote<\/span>\n          <\/th>\n          <th class=\"ph\">\n            <span class=\"pname\">Pilla<\/span>\n            <span class=\"ptype\">Credit Agricole Next Bank<\/span>\n          <\/th>\n        <\/tr>\n      <\/thead>\n      <tbody>\n\n        <tr class=\"sr\"><td colspan=\"5\">Frais<\/td><\/tr>\n\n        <tr>\n          <td>Frais de plateforme<span class=\"row-sub\">Hors TER des fonds<\/span><\/td>\n          <td><div class=\"total-fees-row\"><span class=\"chip c-good\">0.52 %\/an<\/span><span class=\"total-fees-detail\">plafonn\u00e9 \u00e0 0.40 % effectif \u00b7 pr\u00e9lev\u00e9 uniquement sur la partie investie<\/span><\/div><\/td>\n          <td><div class=\"total-fees-row\"><span class=\"chip c-good\">0.43 % all-in<\/span><span class=\"total-fees-detail\">tout compris sauf TER fonds immobiliers cot\u00e9s<\/span><\/div><\/td>\n          <td><div class=\"total-fees-row\"><span class=\"chip c-good\">0.50 %\/an<\/span><span class=\"total-fees-detail\">frais de plateforme uniquement<\/span><\/div><\/td>\n          <td><div class=\"total-fees-row\"><span class=\"chip c-good\">0.50 %\/an<\/span><span class=\"total-fees-detail\">frais de gestion forfaitaire<\/span><\/div><\/td>\n        <\/tr>\n\n        <tr>\n          <td>TER des fonds<span class=\"row-sub\">Co\u00fbt interne des fonds<\/span><\/td>\n          <td><div class=\"total-fees-row\"><span class=\"chip c-good\">~0.00 \u2013 0.09 %<\/span><span class=\"total-fees-detail\">fonds indiciels UBS\/Swisscanto institutionnels<\/span><\/div><\/td>\n          <td><div class=\"total-fees-row\"><span class=\"chip c-good\">~0.00 \u2013 0.04 %<\/span><span class=\"total-fees-detail\">fonds Swisscanto \u00b7 hors fonds immobiliers cot\u00e9s<\/span><\/div><\/td>\n          <td><div class=\"total-fees-row\"><span class=\"chip c-good\">~0.00 %<\/span><span class=\"total-fees-detail\">fonds indiciels Swisscanto institutionnels<\/span><\/div><\/td>\n          <td><div class=\"total-fees-row\"><span class=\"chip c-good\">0.19 \u2013 0.23 %<\/span><span class=\"total-fees-detail\">fonds indiciels ESG<\/span><\/div><\/td>\n        <\/tr>\n\n        <tr>\n          <td>Frais totaux estim\u00e9s<span class=\"row-sub\">Strat\u00e9gie offensive \u00b7 r\u00e9f\u00e9rence pour les projections<\/span><\/td>\n          <td><div class=\"total-fees-row\"><span class=\"chip c-good\">~0.41 %\/an<\/span><span class=\"total-fees-detail\">commission totale indiqu\u00e9e sur le site pour Global 100<\/span><\/div><\/td>\n          <td><div class=\"total-fees-row\"><span class=\"chip c-good\">~0.43 %\/an<\/span><span class=\"total-fees-detail\">all-in + TER n\u00e9gligeable sur strat\u00e9gies actions<\/span><\/div><\/td>\n          <td><div class=\"total-fees-row\"><span class=\"chip c-good\">~0.50 %\/an<\/span><span class=\"total-fees-detail\">0.50% plateforme + TER ~0%<\/span><\/div><\/td>\n          <td><div class=\"total-fees-row\"><span class=\"chip c-mid\">~0.71 %\/an<\/span><span class=\"total-fees-detail\">0.50% gestion + 0.21% TER moyen<\/span><\/div><\/td>\n        <\/tr>\n\n        <tr class=\"sr\"><td colspan=\"5\">Strat\u00e9gies &amp; univers d'investissement<\/td><\/tr>\n\n        <tr>\n          <td>Part d'actions maximale<\/td>\n          <td><span class=\"chip c-good\">99 %<\/span><\/td>\n          <td><span class=\"chip c-good\">100 %<\/span><\/td>\n          <td><span class=\"chip c-good\">99 %<\/span><\/td>\n          <td><span class=\"chip c-good\">95 %<\/span><\/td>\n        <\/tr>\n\n        <tr>\n          <td>Strat\u00e9gies disponibles<\/td>\n          <td>\n            <div class=\"sw\">\n              <span class=\"sb\">Global 20 \/ 40 \/ 60 \/ 80 \/ 100<\/span>\n              <span class=\"sb\">Suisse 20 \/ 40 \/ 60 \/ 80 \/ 100<\/span>\n              <span class=\"sb\">Global Durable 20 \/ 40 \/ 60 \/ 80 \/ 100<\/span>\n              <span class=\"sb\">+ Compte Plus &amp; Compte 3a cash<\/span>\n            <\/div>\n          <\/td>\n          <td>\n            <div class=\"sw\">\n              <span class=\"sb\">frankly Mixte 20 \/ 45 \/ 75 \/ 95<\/span>\n              <span class=\"sb\">frankly Suisse 20 \/ 45 \/ 75 \/ 95<\/span>\n              <span class=\"sb\">frankly Durable 20 \/ 45 \/ 75 \/ 95<\/span>\n              <span class=\"sb\">frankly Actif 20 \/ 45 \/ 75 \/ 95<\/span>\n            <\/div>\n          <\/td>\n          <td>\n            <div class=\"sw\">\n              <span class=\"sb\">Doux (20 %)<\/span>\n              <span class=\"sb\">Savoureux (40 %)<\/span>\n              <span class=\"sb\">\u00c9pic\u00e9 (60 %)<\/span>\n              <span class=\"sb\">Piquant (80 %)<\/span>\n              <span class=\"sb\">Piment\u00e9 (99 %)<\/span>\n            <\/div>\n          <\/td>\n          <td>\n            <div class=\"sw\">\n              <span class=\"sb\">Conservateur (\u2264 20 %)<\/span>\n              <span class=\"sb\">\u00c9quilibr\u00e9 (\u2264 35 %)<\/span>\n              <span class=\"sb\">Dynamique (\u2264 55 %)<\/span>\n              <span class=\"sb\">Croissance (\u2264 75 %)<\/span>\n              <span class=\"sb\">Gain en capital (\u2264 95 %)<\/span>\n            <\/div>\n          <\/td>\n        <\/tr>\n\n        <tr>\n          <td>Fonds disponibles<span class=\"row-sub\">Univers de placement<\/span><\/td>\n          <td>\n            <ul class=\"fl\">\n              <li class=\"fl-head\">50+ fonds indiciels disponibles<\/li>\n              <li>Actions suisses, monde d\u00e9velopp\u00e9, march\u00e9s \u00e9mergents<\/li>\n              <li>Obligations suisses, monde, haut rendement, \u00e9mergents<\/li>\n              <li>Immobilier suisse &amp; monde<\/li>\n              <li>Mati\u00e8res premi\u00e8res (or, commodities)<\/li>\n              <li>Private equity &amp; Bitcoin (iShares)<\/li>\n              <li class=\"fl-head\">Fournisseurs<\/li>\n              <li>UBS &amp; Swisscanto institutionnels + iShares ETF<\/li>\n            <\/ul>\n          <\/td>\n          <td>\n            <ul class=\"fl\">\n              <li class=\"fl-head\">Fonds Swisscanto (acc\u00e8s direct ZKB)<\/li>\n              <li>Actions suisses (SPI, SMI\u2026)<\/li>\n              <li>Actions monde (MSCI World, USA, Europe\u2026)<\/li>\n              <li>Obligations suisses &amp; monde<\/li>\n              <li>Immobilier suisse<\/li>\n              <li>Or<\/li>\n              <li class=\"fl-head\">Note<\/li>\n              <li>Acc\u00e8s institutionnel Swisscanto via ZKB \u2014 parmi les plus efficients du march\u00e9<\/li>\n            <\/ul>\n          <\/td>\n          <td>\n            <ul class=\"fl\">\n              <li class=\"fl-head\">Fonds indiciels Swisscanto<\/li>\n              <li>Actions suisses (SPI Total)<\/li>\n              <li>Actions monde (ex CH)<\/li>\n              <li>Actions march\u00e9s \u00e9mergents<\/li>\n              <li>Obligations suisses &amp; monde<\/li>\n              <li>Immobilier suisse<\/li>\n              <li>Or physique<\/li>\n              <li>Liquidit\u00e9s (money market CHF)<\/li>\n            <\/ul>\n          <\/td>\n          <td>\n            <ul class=\"fl\">\n              <li class=\"fl-head\">Fonds indiciels ESG (Liberty Fondation)<\/li>\n              <li>Actions suisses<\/li>\n              <li>Actions monde d\u00e9velopp\u00e9s<\/li>\n              <li>Obligations<\/li>\n              <li>Devises \u00e9trang\u00e8res<\/li>\n              <li>Part fixe de liquidit\u00e9s CHF selon strat\u00e9gie<\/li>\n            <\/ul>\n          <\/td>\n        <\/tr>\n\n        <tr>\n          <td>Approche ESG disponible<\/td>\n          <td><span class=\"chip c-good\">\u2713 Strat\u00e9gies Global Durable<\/span><\/td>\n          <td><span class=\"chip c-good\">\u2713 Strat\u00e9gies frankly Durable<\/span><\/td>\n          <td><span class=\"chip c-good\">\u2713 Tous les fonds int\u00e8grent des crit\u00e8res ESG<\/span><\/td>\n          <td><span class=\"chip c-good\">\u2713 ESG syst\u00e9matique sur toutes les strat\u00e9gies<\/span><\/td>\n        <\/tr>\n\n        <tr class=\"sr\"><td colspan=\"5\">Projections \u00e0 l'\u00e9ch\u00e9ance \u00b7 CHF 7'258\/an \u00b7 40 ans \u00b7 investisseur de 25 ans \u00b7 strat\u00e9gie offensive<\/td><\/tr>\n\n        <tr>\n          <td>Sc\u00e9nario d\u00e9favorable<span class=\"row-sub\">Rendement brut : ~0.2 %\/an<\/span><\/td>\n          <td><span class=\"sc-low\">CHF 290'000<\/span><\/td>\n          <td><span class=\"sc-low\">CHF 290'000<\/span><\/td>\n          <td><span class=\"sc-low\">CHF 290'000<\/span><\/td>\n          <td><span class=\"sc-low\">CHF 290'000<\/span><\/td>\n        <\/tr>\n        <tr>\n          <td>Sc\u00e9nario moyen<span class=\"row-sub\">Rendement brut : ~7.1 %\/an<\/span><\/td>\n          <td><span class=\"sc-mid\">CHF 1'338'000<\/span><\/td>\n          <td><span class=\"sc-mid\">CHF 1'331'000<\/span><\/td>\n          <td><span class=\"sc-mid\">CHF 1'308'000<\/span><\/td>\n          <td><span class=\"sc-mid\">CHF 1'240'000<\/span><\/td>\n        <\/tr>\n        <tr>\n          <td>Sc\u00e9nario favorable<span class=\"row-sub\">Rendement brut : ~9.0 %\/an<\/span><\/td>\n          <td><span class=\"sc-hi\">CHF 2'198'000<\/span><\/td>\n          <td><span class=\"sc-hi\">CHF 2'186'000<\/span><\/td>\n          <td><span class=\"sc-hi\">CHF 2'146'000<\/span><\/td>\n          <td><span class=\"sc-hi\">CHF 2'030'000<\/span><\/td>\n        <\/tr>\n\n        <tr class=\"sr\"><td colspan=\"5\">Avantages &amp; inconv\u00e9nients<\/td><\/tr>\n\n        <tr>\n          <td>Points cl\u00e9s<\/td>\n          <td>\n            <ul class=\"pro-con\">\n              <li class=\"pro\">Frais totaux les plus bas du comparatif<\/li>\n              <li class=\"pro\">Univers de fonds le plus large, dont Bitcoin et private equity<\/li>\n              <li class=\"pro\">Personnalisation libre fonds par fonds<\/li>\n              <li class=\"pro\">VIAC Life Basic : couverture automatique invalidit\u00e9\/d\u00e9c\u00e8s<\/li>\n              <li class=\"con\">Interface plus complexe pour les non-initi\u00e9s<\/li>\n            <\/ul>\n          <\/td>\n          <td>\n            <ul class=\"pro-con\">\n              <li class=\"pro\">All-in-fee tout compris, aucune surprise sur la facture<\/li>\n              <li class=\"pro\">Acc\u00e8s institutionnel Swisscanto via ZKB<\/li>\n              <li class=\"pro\">Solidit\u00e9 de la Z\u00fcrcher Kantonalbank<\/li>\n              <li class=\"pro\">Interface claire et simple<\/li>\n              <li class=\"con\">Frais d'\u00e9mission et de rachat sur certains fonds, hors all-in<\/li>\n            <\/ul>\n          <\/td>\n          <td>\n            <ul class=\"pro-con\">\n              <li class=\"pro\">Plateforme moderne, port\u00e9e par Swissquote<\/li>\n              <li class=\"pro\">Fonds Swisscanto indiciels \u00e0 TER quasi nul<\/li>\n              <li class=\"pro\">Banking et 3a dans une seule app<\/li>\n              <li class=\"pro\">Approche ESG sur l'ensemble des fonds<\/li>\n              <li class=\"con\">Frais d'\u00e9mission\/rachat sur certaines strat\u00e9gies, hors plateforme<\/li>\n              <li class=\"con\">Frais l\u00e9g\u00e8rement sup\u00e9rieurs \u00e0 VIAC et frankly<\/li>\n            <\/ul>\n          <\/td>\n          <td>\n            <ul class=\"pro-con\">\n              <li class=\"pro\">UX la plus simple et accessible du march\u00e9<\/li>\n              <li class=\"pro\">R\u00e9mun\u00e9ration comp\u00e9titive sur la partie non investie<\/li>\n              <li class=\"pro\">Accessible d\u00e8s CHF 1<\/li>\n              <li class=\"pro\">ESG syst\u00e9matique sur toutes les strat\u00e9gies<\/li>\n              <li class=\"con\">Frais totaux les plus \u00e9lev\u00e9s du comparatif<\/li>\n              <li class=\"con\">Univers de fonds le plus limit\u00e9<\/li>\n              <li class=\"con\">Part d'actions maximale l\u00e9g\u00e8rement inf\u00e9rieure aux autres<\/li>\n            <\/ul>\n          <\/td>\n        <\/tr>\n\n      <\/tbody>\n    <\/table>\n  <\/div>\n\n  <!-- \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 MOBILE CARDS \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 -->\n  <div class=\"ins-mobile\">\n    <div class=\"mobile-cards\">\n\n      <!-- VIAC -->\n      <div class=\"mc\">\n        <div class=\"mc-header\"><div class=\"mc-name\">VIAC<\/div><div class=\"mc-type\">Banque WIR<\/div><\/div>\n        <div class=\"mc-section\">Frais<\/div>\n        <div class=\"mc-row\">\n          <div class=\"mc-label\">Frais de plateforme<\/div>\n          <div class=\"mc-value\"><span class=\"chip c-good\">0.52 %\/an<\/span><div class=\"total-fees-detail\" style=\"margin-top:3px\">plafonn\u00e9 \u00e0 0.40 % effectif \u00b7 sur partie investie uniquement<\/div><\/div>\n        <\/div>\n        <div class=\"mc-row\">\n          <div class=\"mc-label\">TER des fonds<\/div>\n          <div class=\"mc-value\"><span class=\"chip c-good\">~0.00 \u2013 0.09 %<\/span><\/div>\n        <\/div>\n        <div class=\"mc-row\">\n          <div class=\"mc-label\">Frais totaux estim\u00e9s<\/div>\n          <div class=\"mc-value\"><span class=\"chip c-good\">~0.41 %\/an<\/span><div class=\"total-fees-detail\" style=\"margin-top:3px\">commission totale pour Global 100<\/div><\/div>\n        <\/div>\n        <div class=\"mc-section\">Strat\u00e9gies &amp; investissement<\/div>\n        <div class=\"mc-row\">\n          <div class=\"mc-label\">Actions max<\/div>\n          <div class=\"mc-value\"><span class=\"chip c-good\">99 %<\/span><\/div>\n        <\/div>\n        <div class=\"mc-row\">\n          <div class=\"mc-label\">Strat\u00e9gies<\/div>\n          <div class=\"mc-value\">\n            <div class=\"sw\" style=\"align-items:flex-start\">\n              <span class=\"sb\">Global \/ Suisse \/ Global Durable 20\u2013100<\/span>\n              <span class=\"sb\">+ Compte Plus &amp; cash<\/span>\n            <\/div>\n          <\/div>\n        <\/div>\n        <div class=\"mc-row\">\n          <div class=\"mc-label\">Univers de fonds<\/div>\n          <div class=\"mc-value\">\n            <ul class=\"fl\">\n              <li>50+ fonds indiciels (actions, obligations, immo, or)<\/li>\n              <li>Private equity &amp; Bitcoin (iShares)<\/li>\n              <li>UBS &amp; Swisscanto institutionnels + iShares ETF<\/li>\n            <\/ul>\n          <\/div>\n        <\/div>\n        <div class=\"mc-row\">\n          <div class=\"mc-label\">ESG<\/div>\n          <div class=\"mc-value\"><span class=\"chip c-good\">\u2713 Strat\u00e9gies Global Durable<\/span><\/div>\n        <\/div>\n        <div class=\"mc-section\">Projections \u00b7 CHF 7'258\/an \u00b7 40 ans<\/div>\n        <div class=\"mc-row\">\n          <div class=\"mc-scenarios\">\n            <div class=\"mc-scenario\"><div class=\"mc-scenario-label\">D\u00e9favorable<\/div><div class=\"mc-scenario-val sc-low\">CHF 290'000<\/div><\/div>\n            <div class=\"mc-scenario\"><div class=\"mc-scenario-label\">Moyen<\/div><div class=\"mc-scenario-val sc-mid\">CHF 1'338'000<\/div><\/div>\n            <div class=\"mc-scenario\"><div class=\"mc-scenario-label\">Favorable<\/div><div class=\"mc-scenario-val sc-hi\">CHF 2'198'000<\/div><\/div>\n          <\/div>\n        <\/div>\n        <div class=\"mc-section\">Points cl\u00e9s<\/div>\n        <div class=\"mc-row\"><div class=\"mc-value\"><ul class=\"pro-con\">\n          <li class=\"pro\">Frais totaux les plus bas du comparatif<\/li>\n          <li class=\"pro\">Univers de fonds le plus large, dont Bitcoin et private equity<\/li>\n          <li class=\"pro\">Personnalisation libre fonds par fonds<\/li>\n          <li class=\"pro\">VIAC Life Basic : couverture automatique invalidit\u00e9\/d\u00e9c\u00e8s<\/li>\n          <li class=\"con\">Interface plus complexe pour les non-initi\u00e9s<\/li>\n        <\/ul><\/div><\/div>\n      <\/div>\n\n      <!-- FRANKLY -->\n      <div class=\"mc\">\n        <div class=\"mc-header\"><div class=\"mc-name\">frankly<\/div><div class=\"mc-type\">Z\u00fcrcher Kantonalbank<\/div><\/div>\n        <div class=\"mc-section\">Frais<\/div>\n        <div class=\"mc-row\">\n          <div class=\"mc-label\">Frais de plateforme<\/div>\n          <div class=\"mc-value\"><span class=\"chip c-good\">0.43 % all-in<\/span><div class=\"total-fees-detail\" style=\"margin-top:3px\">tout compris sauf TER fonds immobiliers cot\u00e9s<\/div><\/div>\n        <\/div>\n        <div class=\"mc-row\">\n          <div class=\"mc-label\">TER des fonds<\/div>\n          <div class=\"mc-value\"><span class=\"chip c-good\">~0.00 \u2013 0.04 %<\/span><\/div>\n        <\/div>\n        <div class=\"mc-row\">\n          <div class=\"mc-label\">Frais totaux estim\u00e9s<\/div>\n          <div class=\"mc-value\"><span class=\"chip c-good\">~0.43 %\/an<\/span><div class=\"total-fees-detail\" style=\"margin-top:3px\">all-in + TER n\u00e9gligeable sur strat\u00e9gies actions<\/div><\/div>\n        <\/div>\n        <div class=\"mc-section\">Strat\u00e9gies &amp; investissement<\/div>\n        <div class=\"mc-row\">\n          <div class=\"mc-label\">Actions max<\/div>\n          <div class=\"mc-value\"><span class=\"chip c-good\">100 %<\/span><\/div>\n        <\/div>\n        <div class=\"mc-row\">\n          <div class=\"mc-label\">Strat\u00e9gies<\/div>\n          <div class=\"mc-value\">\n            <div class=\"sw\" style=\"align-items:flex-start\">\n              <span class=\"sb\">Mixte \/ Suisse \/ Durable \/ Actif 20\u201395<\/span>\n            <\/div>\n          <\/div>\n        <\/div>\n        <div class=\"mc-row\">\n          <div class=\"mc-label\">Univers de fonds<\/div>\n          <div class=\"mc-value\">\n            <ul class=\"fl\">\n              <li>Fonds Swisscanto institutionnels (acc\u00e8s ZKB)<\/li>\n              <li>Actions suisses, monde, obligations, immo, or<\/li>\n            <\/ul>\n          <\/div>\n        <\/div>\n        <div class=\"mc-row\">\n          <div class=\"mc-label\">ESG<\/div>\n          <div class=\"mc-value\"><span class=\"chip c-good\">\u2713 Strat\u00e9gies frankly Durable<\/span><\/div>\n        <\/div>\n        <div class=\"mc-section\">Projections \u00b7 CHF 7'258\/an \u00b7 40 ans<\/div>\n        <div class=\"mc-row\">\n          <div class=\"mc-scenarios\">\n            <div class=\"mc-scenario\"><div class=\"mc-scenario-label\">D\u00e9favorable<\/div><div class=\"mc-scenario-val sc-low\">CHF 290'000<\/div><\/div>\n            <div class=\"mc-scenario\"><div class=\"mc-scenario-label\">Moyen<\/div><div class=\"mc-scenario-val sc-mid\">CHF 1'331'000<\/div><\/div>\n            <div class=\"mc-scenario\"><div class=\"mc-scenario-label\">Favorable<\/div><div class=\"mc-scenario-val sc-hi\">CHF 2'186'000<\/div><\/div>\n          <\/div>\n        <\/div>\n        <div class=\"mc-section\">Points cl\u00e9s<\/div>\n        <div class=\"mc-row\"><div class=\"mc-value\"><ul class=\"pro-con\">\n          <li class=\"pro\">All-in-fee tout compris, aucune surprise sur la facture<\/li>\n          <li class=\"pro\">Acc\u00e8s institutionnel Swisscanto via ZKB<\/li>\n          <li class=\"pro\">Solidit\u00e9 de la Z\u00fcrcher Kantonalbank<\/li>\n          <li class=\"pro\">Interface claire et simple<\/li>\n          <li class=\"con\">Frais d'\u00e9mission et de rachat sur certains fonds, hors all-in<\/li>\n        <\/ul><\/div><\/div>\n      <\/div>\n\n      <!-- YUH -->\n      <div class=\"mc\">\n        <div class=\"mc-header\"><div class=\"mc-name\">Yuh<\/div><div class=\"mc-type\">Swissquote<\/div><\/div>\n        <div class=\"mc-section\">Frais<\/div>\n        <div class=\"mc-row\">\n          <div class=\"mc-label\">Frais de plateforme<\/div>\n          <div class=\"mc-value\"><span class=\"chip c-good\">0.50 %\/an<\/span><\/div>\n        <\/div>\n        <div class=\"mc-row\">\n          <div class=\"mc-label\">TER des fonds<\/div>\n          <div class=\"mc-value\"><span class=\"chip c-good\">~0.00 %<\/span><div class=\"total-fees-detail\" style=\"margin-top:3px\">fonds indiciels Swisscanto institutionnels<\/div><\/div>\n        <\/div>\n        <div class=\"mc-row\">\n          <div class=\"mc-label\">Frais totaux estim\u00e9s<\/div>\n          <div class=\"mc-value\"><span class=\"chip c-good\">~0.50 %\/an<\/span><\/div>\n        <\/div>\n        <div class=\"mc-section\">Strat\u00e9gies &amp; investissement<\/div>\n        <div class=\"mc-row\">\n          <div class=\"mc-label\">Actions max<\/div>\n          <div class=\"mc-value\"><span class=\"chip c-good\">99 %<\/span><\/div>\n        <\/div>\n        <div class=\"mc-row\">\n          <div class=\"mc-label\">Strat\u00e9gies<\/div>\n          <div class=\"mc-value\">\n            <div class=\"sw\" style=\"align-items:flex-start\">\n              <span class=\"sb\">Doux \/ Savoureux \/ \u00c9pic\u00e9 \/ Piquant \/ Piment\u00e9<\/span>\n            <\/div>\n          <\/div>\n        <\/div>\n        <div class=\"mc-row\">\n          <div class=\"mc-label\">Univers de fonds<\/div>\n          <div class=\"mc-value\">\n            <ul class=\"fl\">\n              <li>Fonds indiciels Swisscanto (actions CH\/monde\/EM)<\/li>\n              <li>Obligations, immo suisse, or physique, liquidit\u00e9s<\/li>\n            <\/ul>\n          <\/div>\n        <\/div>\n        <div class=\"mc-row\">\n          <div class=\"mc-label\">ESG<\/div>\n          <div class=\"mc-value\"><span class=\"chip c-good\">\u2713 Tous les fonds int\u00e8grent des crit\u00e8res ESG<\/span><\/div>\n        <\/div>\n        <div class=\"mc-section\">Projections \u00b7 CHF 7'258\/an \u00b7 40 ans<\/div>\n        <div class=\"mc-row\">\n          <div class=\"mc-scenarios\">\n            <div class=\"mc-scenario\"><div class=\"mc-scenario-label\">D\u00e9favorable<\/div><div class=\"mc-scenario-val sc-low\">CHF 290'000<\/div><\/div>\n            <div class=\"mc-scenario\"><div class=\"mc-scenario-label\">Moyen<\/div><div class=\"mc-scenario-val sc-mid\">CHF 1'308'000<\/div><\/div>\n            <div class=\"mc-scenario\"><div class=\"mc-scenario-label\">Favorable<\/div><div class=\"mc-scenario-val sc-hi\">CHF 2'146'000<\/div><\/div>\n          <\/div>\n        <\/div>\n        <div class=\"mc-section\">Points cl\u00e9s<\/div>\n        <div class=\"mc-row\"><div class=\"mc-value\"><ul class=\"pro-con\">\n          <li class=\"pro\">Plateforme moderne, port\u00e9e par Swissquote<\/li>\n          <li class=\"pro\">Fonds Swisscanto indiciels \u00e0 TER quasi nul<\/li>\n          <li class=\"pro\">Banking et 3a dans une seule app<\/li>\n          <li class=\"pro\">Approche ESG sur l'ensemble des fonds<\/li>\n          <li class=\"con\">Frais d'\u00e9mission\/rachat sur certaines strat\u00e9gies, hors plateforme<\/li>\n          <li class=\"con\">Frais l\u00e9g\u00e8rement sup\u00e9rieurs \u00e0 VIAC et frankly<\/li>\n        <\/ul><\/div><\/div>\n      <\/div>\n\n      <!-- PILLA -->\n      <div class=\"mc\">\n        <div class=\"mc-header\"><div class=\"mc-name\">Pilla<\/div><div class=\"mc-type\">Credit Agricole Next Bank<\/div><\/div>\n        <div class=\"mc-section\">Frais<\/div>\n        <div class=\"mc-row\">\n          <div class=\"mc-label\">Frais de plateforme<\/div>\n          <div class=\"mc-value\"><span class=\"chip c-good\">0.50 %\/an<\/span><div class=\"total-fees-detail\" style=\"margin-top:3px\">frais de gestion forfaitaire<\/div><\/div>\n        <\/div>\n        <div class=\"mc-row\">\n          <div class=\"mc-label\">TER des fonds<\/div>\n          <div class=\"mc-value\"><span class=\"chip c-good\">0.19 \u2013 0.23 %<\/span><div class=\"total-fees-detail\" style=\"margin-top:3px\">fonds indiciels ESG<\/div><\/div>\n        <\/div>\n        <div class=\"mc-row\">\n          <div class=\"mc-label\">Frais totaux estim\u00e9s<\/div>\n          <div class=\"mc-value\"><span class=\"chip c-mid\">~0.71 %\/an<\/span><div class=\"total-fees-detail\" style=\"margin-top:3px\">0.50% gestion + 0.21% TER moyen<\/div><\/div>\n        <\/div>\n        <div class=\"mc-section\">Strat\u00e9gies &amp; investissement<\/div>\n        <div class=\"mc-row\">\n          <div class=\"mc-label\">Actions max<\/div>\n          <div class=\"mc-value\"><span class=\"chip c-good\">95 %<\/span><\/div>\n        <\/div>\n        <div class=\"mc-row\">\n          <div class=\"mc-label\">Strat\u00e9gies<\/div>\n          <div class=\"mc-value\">\n            <div class=\"sw\" style=\"align-items:flex-start\">\n              <span class=\"sb\">Conservateur \/ \u00c9quilibr\u00e9 \/ Dynamique \/ Croissance \/ Gain en capital<\/span>\n            <\/div>\n          <\/div>\n        <\/div>\n        <div class=\"mc-row\">\n          <div class=\"mc-label\">Univers de fonds<\/div>\n          <div class=\"mc-value\">\n            <ul class=\"fl\">\n              <li>Fonds indiciels ESG (Liberty Fondation)<\/li>\n              <li>Actions suisses &amp; monde, obligations, devises<\/li>\n              <li>Part fixe de liquidit\u00e9s CHF selon strat\u00e9gie<\/li>\n            <\/ul>\n          <\/div>\n        <\/div>\n        <div class=\"mc-row\">\n          <div class=\"mc-label\">ESG<\/div>\n          <div class=\"mc-value\"><span class=\"chip c-good\">\u2713 ESG syst\u00e9matique sur toutes les strat\u00e9gies<\/span><\/div>\n        <\/div>\n        <div class=\"mc-section\">Projections \u00b7 CHF 7'258\/an \u00b7 40 ans<\/div>\n        <div class=\"mc-row\">\n          <div class=\"mc-scenarios\">\n            <div class=\"mc-scenario\"><div class=\"mc-scenario-label\">D\u00e9favorable<\/div><div class=\"mc-scenario-val sc-low\">CHF 290'000<\/div><\/div>\n            <div class=\"mc-scenario\"><div class=\"mc-scenario-label\">Moyen<\/div><div class=\"mc-scenario-val sc-mid\">CHF 1'240'000<\/div><\/div>\n            <div class=\"mc-scenario\"><div class=\"mc-scenario-label\">Favorable<\/div><div class=\"mc-scenario-val sc-hi\">CHF 2'030'000<\/div><\/div>\n          <\/div>\n        <\/div>\n        <div class=\"mc-section\">Points cl\u00e9s<\/div>\n        <div class=\"mc-row\"><div class=\"mc-value\"><ul class=\"pro-con\">\n          <li class=\"pro\">UX la plus simple et accessible du march\u00e9<\/li>\n          <li class=\"pro\">R\u00e9mun\u00e9ration comp\u00e9titive sur la partie non investie<\/li>\n          <li class=\"pro\">Accessible d\u00e8s CHF 1<\/li>\n          <li class=\"pro\">ESG syst\u00e9matique sur toutes les strat\u00e9gies<\/li>\n          <li class=\"con\">Frais totaux les plus \u00e9lev\u00e9s du comparatif<\/li>\n          <li class=\"con\">Univers de fonds le plus limit\u00e9<\/li>\n          <li class=\"con\">Part d'actions maximale l\u00e9g\u00e8rement inf\u00e9rieure aux autres<\/li>\n        <\/ul><\/div><\/div>\n      <\/div>\n\n    <\/div>\n  <\/div>\n\n  <!-- Hypoth\u00e8ses -->\n  <div class=\"hyp-box\">\n    <strong>\u00c0 propos des projections \u00e0 l'\u00e9ch\u00e9ance<\/strong> \u2014 Les m\u00eames sc\u00e9narios de rendement brut que pour les comparatifs assurances et banques traditionnelles ont \u00e9t\u00e9 appliqu\u00e9s, afin de permettre une lecture coh\u00e9rente entre les trois types de solutions. Les frais totaux sont d\u00e9duits annuellement du rendement brut par capitalisation.\n    <div class=\"hyp-grid\">\n      <div class=\"hyp-item\"><div class=\"hyp-label\">D\u00e9favorable<\/div><div class=\"hyp-rate\">~0.2 %\/an<\/div><div class=\"hyp-desc\">Environnement de march\u00e9 durablement d\u00e9prim\u00e9. Correspond approximativement aux versements effectu\u00e9s.<\/div><\/div>\n      <div class=\"hyp-item\"><div class=\"hyp-label\">Moyen<\/div><div class=\"hyp-rate\">~7.1 %\/an<\/div><div class=\"hyp-desc\">Bas\u00e9 sur les performances historiques \u00e0 long terme des fonds actions mondiaux diversifi\u00e9s.<\/div><\/div>\n      <div class=\"hyp-item\"><div class=\"hyp-label\">Favorable<\/div><div class=\"hyp-rate\">~9.0 %\/an<\/div><div class=\"hyp-desc\">Sc\u00e9nario optimiste, r\u00e9alisable sur certaines p\u00e9riodes historiques \u2014 non garanti.<\/div><\/div>\n    <\/div>\n  <\/div>\n\n  <p class=\"ins-note\">\n    <strong>Note sur les frais VIAC :<\/strong> les frais de gestion de 0.52 % sont pr\u00e9lev\u00e9s uniquement sur la partie investie en titres, pas sur la partie en cash. Le plafonnement \u00e0 0.40 % s'applique au-del\u00e0 d'un certain capital. La commission totale affich\u00e9e sur le site (0.41 %) int\u00e8gre le TER des fonds et constitue la r\u00e9f\u00e9rence utilis\u00e9e pour les projections. <strong>Note sur frankly :<\/strong> le forfait all-in de 0.43 % n'inclut pas les frais d'\u00e9mission\/rachat de certains fonds ni le TER des fonds immobiliers cot\u00e9s en bourse. <strong>Note sur Yuh :<\/strong> certaines strat\u00e9gies appliquent des frais d'\u00e9mission et de rachat en faveur du fonds, non inclus dans les frais de plateforme. <strong>Source :<\/strong> sites officiels des prestataires, donn\u00e9es \u00e0 fin f\u00e9vrier 2026.\n  <\/p>\n\n<\/div>\n<\/body>\n<\/html>\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-9aa1811 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9aa1811\" 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-c96e06e\" data-id=\"c96e06e\" 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-6cc45db elementor-widget elementor-widget-heading\" data-id=\"6cc45db\" 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\">Quel 3\u00e8me pilier digital choisir selon votre profil ?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-14cdf8d elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"14cdf8d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Investisseur autonome, \u00e0 l'aise avec le choix de fonds : <\/strong>VIAC. Les frais les plus bas du march\u00e9 digital, un univers de placement parmi les plus larges disponibles en Suisse, et une couverture invalidit\u00e9\/d\u00e9c\u00e8s offerte gratuitement via Life Basic. Le choix optimal pour maximiser le capital sur le long terme.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Priorit\u00e9 \u00e0 la simplicit\u00e9 et \u00e0 la tranquillit\u00e9 d'esprit :<\/strong> frankly. Le forfait all-in de la Z\u00fcrcher Kantonalbank couvre l'ensemble des frais sans surprise. Les fonds Swisscanto institutionnels sont parmi les plus efficients du march\u00e9 suisse, pour un r\u00e9sultat quasi identique \u00e0 VIAC sans avoir \u00e0 configurer quoi que ce soit.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Utilisateur Yuh souhaitant tout centraliser dans un seul endroit : <\/strong> Yuh. Les strat\u00e9gies sont pr\u00e9d\u00e9finies et ne n\u00e9cessitent aucun arbitrage. Le 3a s'int\u00e8gre naturellement avec le compte bancaire et le compte invest Yuh, pour une gestion unifi\u00e9e de l'\u00e9pargne courante, des placements et de la pr\u00e9voyance depuis une seule app.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>D\u00e9butant en pr\u00e9voyance, priorit\u00e9 \u00e0 l'accessibilit\u00e9 :<\/strong> Pilla. L'onboarding le plus simple du march\u00e9, des strat\u00e9gies ESG syst\u00e9matiques et une r\u00e9mun\u00e9ration comp\u00e9titive sur la partie non investie. Le meilleur point d'entr\u00e9e pour ceux qui souhaitent commencer sans arbitrages complexes.<\/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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-e667e07 elementor-widget elementor-widget-menu-anchor\" data-id=\"e667e07\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"meilleur-3eme-pilier\"><\/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-e46d64f elementor-widget elementor-widget-heading\" data-id=\"e46d64f\" 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\">Meilleur 3\u00e8me pilier: classement final<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c163495 elementor-widget elementor-widget-html\" data-id=\"c163495\" 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 3\u00e8me pilier Suisse 2026 \u2013 Meilleurs prestataires<\/title>\n<link rel=\"stylesheet\" href=\"https:\/\/cdnjs.cloudflare.com\/ajax\/libs\/font-awesome\/6.5.0\/css\/all.min.css\">\n<style>\n  :root {\n    --navy: #071659;\n    --navy-mid: #1a2f80;\n    --white: #ffffff;\n    --grey-200: #e2e8f0;\n    --grey-50: #f8fafc;\n    --text: #1e293b;\n    --text-light: #475569;\n  }\n\n  .ins-comparatif {\n    font-family: 'Manrope', sans-serif;\n    max-width: 100%;\n    border-radius: 12px;\n    border: 1px solid var(--grey-200);\n    overflow: hidden;\n  }\n\n  \/* \u2500\u2500 DESKTOP TABLE \u2500\u2500 *\/\n  .ins-scroll {\n    overflow-x: auto;\n    -webkit-overflow-scrolling: touch;\n  }\n\n  .ins-comparatif table {\n    width: 100%;\n    border-collapse: collapse;\n  }\n\n  .ins-comparatif thead th {\n    padding: 14px 20px;\n    text-align: left;\n    font-family: 'Manrope', sans-serif;\n    font-weight: 800;\n    font-size: 12px;\n    letter-spacing: 0.13em;\n    text-transform: uppercase;\n    color: var(--white);\n    background: var(--navy);\n    white-space: nowrap;\n  }\n\n  .ins-comparatif thead th:not(:last-child) {\n    border-right: 1px solid rgba(255,255,255,0.08);\n  }\n\n  .ins-comparatif tbody tr {\n    border-bottom: 1px solid var(--grey-200);\n    transition: background 0.15s;\n  }\n\n  .ins-comparatif tbody tr:last-child {\n    border-bottom: none;\n  }\n\n  .ins-comparatif tbody tr:nth-child(even) {\n    background: var(--grey-50);\n  }\n\n  .ins-comparatif tbody tr:hover {\n    background: #eef2fb;\n  }\n\n  .ins-comparatif td {\n    padding: 18px 20px;\n    font-size: 14.5px;\n    color: var(--text);\n    vertical-align: top;\n  }\n\n  .ins-comparatif td:not(:last-child) {\n    border-right: 1px solid var(--grey-200);\n  }\n\n  .profile-name {\n    font-weight: 700;\n    font-size: 16px;\n    color: var(--navy);\n    line-height: 1.4;\n  }\n\n  .combo-name {\n    font-weight: 700;\n    font-size: 15px;\n    color: var(--navy-mid);\n    line-height: 1.4;\n  }\n\n  .combo-list {\n    display: flex;\n    flex-direction: column;\n    gap: 7px;\n    margin: 0;\n    padding: 0;\n  }\n\n  .combo-item {\n    display: flex;\n    align-items: flex-start;\n    gap: 9px;\n    font-size: 16px;\n    line-height: 1.55;\n    color: var(--text-light);\n  }\n\n  .combo-item .fa-arrow-right {\n    font-size: 11px;\n    color: var(--navy-mid);\n    margin-top: 5px;\n    flex-shrink: 0;\n  }\n\n  \/* \u2500\u2500 MOBILE CARDS \u2500\u2500 *\/\n  .ins-cards {\n    display: none;\n  }\n\n  .ins-card {\n    border-bottom: 1px solid var(--grey-200);\n    padding: 18px 16px;\n  }\n\n  .ins-card:last-child {\n    border-bottom: none;\n  }\n\n  .ins-card:nth-child(even) {\n    background: var(--grey-50);\n  }\n\n  .ins-card-header {\n    display: flex;\n    align-items: center;\n    gap: 10px;\n    margin-bottom: 12px;\n    flex-wrap: wrap;\n  }\n\n  .ins-card-category {\n    font-weight: 700;\n    font-size: 10.5px;\n    letter-spacing: 0.1em;\n    text-transform: uppercase;\n    color: var(--white);\n    background: var(--navy);\n    padding: 3px 9px;\n    border-radius: 4px;\n    white-space: nowrap;\n  }\n\n  .ins-card-provider {\n    font-weight: 700;\n    font-size: 16px;\n    color: var(--navy-mid);\n  }\n\n  \/* \u2500\u2500 NOTE \u2500\u2500 *\/\n  .ins-note {\n    margin: 0;\n    padding: 12px 20px;\n    font-size: 12.5px;\n    color: var(--text-light);\n    background: var(--grey-50);\n    border-top: 1px solid var(--grey-200);\n    line-height: 1.6;\n  }\n\n  .ins-note strong {\n    color: var(--navy);\n  }\n\n  \/* \u2500\u2500 BREAKPOINT \u2500\u2500 *\/\n  @media (max-width: 640px) {\n    .ins-scroll {\n      display: none;\n    }\n    .ins-cards {\n      display: block;\n    }\n  }\n<\/style>\n<\/head>\n<body>\n\n<div class=\"ins-comparatif\">\n\n  <!-- DESKTOP TABLE -->\n  <div class=\"ins-scroll\">\n    <table>\n      <colgroup>\n        <col style=\"width: 230px;\">\n        <col style=\"width: 200px;\">\n        <col>\n      <\/colgroup>\n      <thead>\n        <tr>\n          <th>Cat\u00e9gorie<\/th>\n          <th>Prestataire recommand\u00e9<\/th>\n          <th>Pourquoi c'est le meilleur choix<\/th>\n        <\/tr>\n      <\/thead>\n      <tbody>\n\n        <tr>\n          <td><span class=\"profile-name\">Meilleur 3\u00e8me pilier en assurance<\/span><\/td>\n          <td><div class=\"combo-name\">AXA SmartFlex<\/div><\/td>\n          <td>\n            <div class=\"combo-list\">\n              <div class=\"combo-item\"><i class=\"fa-solid fa-arrow-right\"><\/i><span>Protection incapacit\u00e9 de gain et\/ou d\u00e9c\u00e8s<\/span><\/div>\n              <div class=\"combo-item\"><i class=\"fa-solid fa-arrow-right\"><\/i><span>Meilleur rendement en fonds en assurance<\/span><\/div>\n              <div class=\"combo-item\"><i class=\"fa-solid fa-arrow-right\"><\/i><span>Flexibilit\u00e9 : pause dans le versement des primes<\/span><\/div>\n            <\/div>\n          <\/td>\n        <\/tr>\n\n        <tr>\n          <td><span class=\"profile-name\">Meilleur 3\u00e8me pilier 100% actions<\/span><\/td>\n          <td><div class=\"combo-name\">Tellco<\/div><\/td>\n          <td>\n            <div class=\"combo-list\">\n              <div class=\"combo-item\"><i class=\"fa-solid fa-arrow-right\"><\/i><span>Plus grand choix de fonds (actifs et passifs)<\/span><\/div>\n              <div class=\"combo-item\"><i class=\"fa-solid fa-arrow-right\"><\/i><span>Frais parmi les plus bas du march\u00e9<\/span><\/div>\n              <div class=\"combo-item\"><i class=\"fa-solid fa-arrow-right\"><\/i><span>Meilleure performance long terme<\/span><\/div>\n            <\/div>\n          <\/td>\n        <\/tr>\n\n        <tr>\n          <td><span class=\"profile-name\">Meilleur compte \u00e9pargne 3\u00e8me pilier<\/span><\/td>\n          <td><div class=\"combo-name\">Caisse d'\u00c9pargne d'Aubonne (CEA)<\/div><\/td>\n          <td>\n            <div class=\"combo-list\">\n              <div class=\"combo-item\"><i class=\"fa-solid fa-arrow-right\"><\/i><span>Taux le plus \u00e9lev\u00e9 en 2026 (1.25%)<\/span><\/div>\n              <div class=\"combo-item\"><i class=\"fa-solid fa-arrow-right\"><\/i><span>Capital garanti<\/span><\/div>\n              <div class=\"combo-item\"><i class=\"fa-solid fa-arrow-right\"><\/i><span>Id\u00e9al pour horizon court terme ou retrait anticip\u00e9<\/span><\/div>\n            <\/div>\n          <\/td>\n        <\/tr>\n\n      <\/tbody>\n    <\/table>\n  <\/div>\n\n  <!-- MOBILE CARDS -->\n  <div class=\"ins-cards\">\n\n    <div class=\"ins-card\">\n      <div class=\"ins-card-header\">\n        <span class=\"ins-card-category\">Assurance<\/span>\n        <span class=\"ins-card-provider\">AXA SmartFlex<\/span>\n      <\/div>\n      <div class=\"combo-list\">\n        <div class=\"combo-item\"><i class=\"fa-solid fa-arrow-right\"><\/i><span>Protection incapacit\u00e9 de gain et\/ou d\u00e9c\u00e8s<\/span><\/div>\n        <div class=\"combo-item\"><i class=\"fa-solid fa-arrow-right\"><\/i><span>Meilleur rendement en fonds en assurance<\/span><\/div>\n        <div class=\"combo-item\"><i class=\"fa-solid fa-arrow-right\"><\/i><span>Flexibilit\u00e9 : pause dans le versement des primes<\/span><\/div>\n      <\/div>\n    <\/div>\n\n    <div class=\"ins-card\">\n      <div class=\"ins-card-header\">\n        <span class=\"ins-card-category\">100% actions<\/span>\n        <span class=\"ins-card-provider\">Tellco<\/span>\n      <\/div>\n      <div class=\"combo-list\">\n        <div class=\"combo-item\"><i class=\"fa-solid fa-arrow-right\"><\/i><span>Plus grand choix de fonds (actifs et passifs)<\/span><\/div>\n        <div class=\"combo-item\"><i class=\"fa-solid fa-arrow-right\"><\/i><span>Frais parmi les plus bas du march\u00e9<\/span><\/div>\n        <div class=\"combo-item\"><i class=\"fa-solid fa-arrow-right\"><\/i><span>Meilleure performance long terme<\/span><\/div>\n      <\/div>\n    <\/div>\n\n    <div class=\"ins-card\">\n      <div class=\"ins-card-header\">\n        <span class=\"ins-card-category\">Compte \u00e9pargne<\/span>\n        <span class=\"ins-card-provider\">CEA<\/span>\n      <\/div>\n      <div class=\"combo-list\">\n        <div class=\"combo-item\"><i class=\"fa-solid fa-arrow-right\"><\/i><span>Taux le plus \u00e9lev\u00e9 en 2026 (1.25%)<\/span><\/div>\n        <div class=\"combo-item\"><i class=\"fa-solid fa-arrow-right\"><\/i><span>Capital garanti<\/span><\/div>\n        <div class=\"combo-item\"><i class=\"fa-solid fa-arrow-right\"><\/i><span>Id\u00e9al pour horizon court terme ou retrait anticip\u00e9<\/span><\/div>\n      <\/div>\n    <\/div>\n\n  <\/div>\n\n  <p class=\"ins-note\">\n    <strong>M\u00e9thodologie :<\/strong> classement bas\u00e9 sur les frais totaux, la performance long terme des fonds, la flexibilit\u00e9 contractuelle et la couverture des risques. Donn\u00e9es mises \u00e0 jour 2026.\n  <\/p>\n<\/div>\n\n<\/body>\n<\/html>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-63230b4 e-flex e-con-boxed e-con e-parent\" data-id=\"63230b4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-9105ee1 e-con-full e-flex e-con e-child\" data-id=\"9105ee1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-490460c elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"490460c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Obtenez votre comparatif personnalis\u00e9<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-98ad6b5 elementor-widget elementor-widget-text-editor\" data-id=\"98ad6b5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Remplissez notre formulaire de demande d&rsquo;offre pour le 3\u00e8me pilier et un de nos experts en pr\u00e9voyance vous recontactera rapidement avec une analyse personnalis\u00e9e sans engagement.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-48eee97 elementor-mobile-align-justify elementor-widget__width-initial elementor-widget elementor-widget-button\" data-id=\"48eee97\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/invexa.ch\/offre-3eme-pilier\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"huge huge-checkmark-circle-03\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">D\u00e9buter mon analyse<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-15666fa elementor-widget elementor-widget-heading\" data-id=\"15666fa\" 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-83239c0 elementor-widget elementor-widget-toggle\" data-id=\"83239c0\" 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-1371\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1371\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Quel est le meilleur 3\u00e8me pilier en Suisse en 2026 ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1371\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1371\"><p data-start=\"591\" data-end=\"809\">Il n\u2019existe pas un meilleur <a href=\"https:\/\/invexa.ch\/prevoyance\/3eme-pilier\/\">3\u00e8me pilier<\/a> universel, car il n\u2019est pas n\u00e9cessaire de choisir une seule solution. En Suisse, il est possible et souvent recommand\u00e9 de d\u00e9tenir <strong>plusieurs comptes ou contrats 3a<\/strong> simultan\u00e9ment.<\/p><p data-start=\"811\" data-end=\"834\">Cette approche permet :<\/p><ul data-start=\"836\" data-end=\"1077\"><li data-start=\"836\" data-end=\"910\"><p data-start=\"838\" data-end=\"910\">De diversifier les strat\u00e9gies (assurance, banque, plateforme digitale)<\/p><\/li><li data-start=\"911\" data-end=\"944\"><p data-start=\"913\" data-end=\"944\">D\u2019adapter le niveau de risque<\/p><\/li><li data-start=\"945\" data-end=\"1025\"><p data-start=\"947\" data-end=\"1025\">D\u2019optimiser la fiscalit\u00e9 au moment du retrait gr\u00e2ce \u00e0 un versement \u00e9chelonn\u00e9<\/p><\/li><li data-start=\"1026\" data-end=\"1077\"><p data-start=\"1028\" data-end=\"1077\">De combiner rendement et couverture des risques<\/p><\/li><\/ul><p data-start=\"1079\" data-end=\"1207\">Le meilleur 3\u00e8me pilier n\u2019est donc pas une solution unique, mais une strat\u00e9gie coh\u00e9rente construite en fonction de votre profil.<\/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-1372\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1372\" 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 3\u00e8me piliers ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1372\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-1372\"><p data-start=\"1283\" data-end=\"1585\">Oui, et c\u2019est souvent une strat\u00e9gie recommand\u00e9e. Il est possible d\u2019ouvrir plusieurs comptes ou contrats 3a aupr\u00e8s d\u2019institutions diff\u00e9rentes. En pratique, beaucoup de sp\u00e9cialistes conseillent d\u2019en r\u00e9partir jusqu\u2019\u00e0 cinq afin d\u2019optimiser le retrait progressif \u00e0 la retraite et de r\u00e9duire l\u2019impact fiscal.<\/p><p data-start=\"1587\" data-end=\"1634\">Combiner plusieurs solutions permet \u00e9galement :<\/p><ul data-start=\"1636\" data-end=\"1829\"><li data-start=\"1636\" data-end=\"1722\"><p data-start=\"1638\" data-end=\"1722\">D\u2019associer une couverture assurantielle \u00e0 une strat\u00e9gie d\u2019investissement dynamique<\/p><\/li><li data-start=\"1723\" data-end=\"1763\"><p data-start=\"1725\" data-end=\"1763\">De r\u00e9partir le risque institutionnel<\/p><\/li><li data-start=\"1764\" data-end=\"1829\"><p data-start=\"1766\" data-end=\"1829\">D\u2019ajuster progressivement l\u2019exposition aux march\u00e9s avec l\u2019\u00e2ge<\/p><\/li><\/ul><p data-start=\"1831\" data-end=\"1985\">La question n\u2019est donc pas de <a href=\"https:\/\/invexa.ch\/prevoyance\/3eme-pilier-assurance-ou-banque\/\">choisir entre assurance, banque<\/a> ou plateforme digitale, mais de d\u00e9terminer la combinaison la plus adapt\u00e9e \u00e0 votre situation.<\/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-1373\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-1373\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Est-il pr\u00e9f\u00e9rable de privil\u00e9gier le rendement ou la protection ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1373\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-1373\"><p>La pr\u00e9voyance repose sur un \u00e9quilibre entre rendement et gestion des risques. Optimiser le rendement est important pour maximiser le capital retraite. Mais ignorer les risques d\u2019invalidit\u00e9 ou de d\u00e9c\u00e8s peut fragiliser la situation financi\u00e8re globale.<\/p><p>Le meilleur 3\u00e8me pilier est celui qui combine de mani\u00e8re coh\u00e9rente performance, s\u00e9curit\u00e9 et protection selon votre profil.<\/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-1374\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-1374\" 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\">Les banques traditionnelles sont-elles plus ch\u00e8res que les plateformes digitales ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1374\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-1374\"><p>En g\u00e9n\u00e9ral, les plateformes digitales affichent des frais totaux plus bas gr\u00e2ce \u00e0 une structure automatis\u00e9e et \u00e0 l\u2019utilisation d\u2019ETF indiciels.<\/p><p>Les banques traditionnelles peuvent avoir des frais l\u00e9g\u00e8rement sup\u00e9rieurs, mais offrent un encadrement institutionnel, une relation client personnalis\u00e9e et parfois une gamme de fonds plus large.<\/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-1375\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-1375\" 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\">Faut-il investir 100 % en actions dans son pilier 3a ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1375\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-1375\"><p>Cela d\u00e9pend de votre horizon de placement et de votre tol\u00e9rance au risque.<\/p><p>Sur un horizon long (20 \u00e0 30 ans), une forte exposition aux actions peut am\u00e9liorer le rendement attendu. En revanche, une strat\u00e9gie plus prudente peut \u00eatre pr\u00e9f\u00e9rable si vous \u00eates proche de la retraite ou sensible aux fluctuations des march\u00e9s.<\/p><p>Le meilleur 3\u00e8me pilier est celui dont l\u2019allocation correspond \u00e0 votre profil de risque.<\/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-1376\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-1376\" 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 changer de pilier 3a ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1376\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-1376\"><p>Oui, il est possible de transf\u00e9rer son avoir 3a vers un autre \u00e9tablissement.<\/p><p>En revanche, pour une assurance 3a, la r\u00e9siliation anticip\u00e9e peut entra\u00eener des frais ou une valeur de rachat inf\u00e9rieure aux primes vers\u00e9es durant les premi\u00e8res ann\u00e9es.<\/p><p>Il est donc important d\u2019analyser les conditions contractuelles avant tout changement.<\/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-1377\" class=\"elementor-tab-title\" data-tab=\"7\" role=\"button\" aria-controls=\"elementor-tab-content-1377\" 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 se passe-t-il en cas d\u2019invalidit\u00e9 avec un pilier 3a ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1377\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"region\" aria-labelledby=\"elementor-tab-title-1377\"><p>Cela d\u00e9pend du type de solution choisi.<\/p><p>Une assurance 3a peut inclure une rente ou une lib\u00e9ration du paiement des primes en cas d\u2019invalidit\u00e9.<\/p><p>Un compte bancaire ou une solution digitale ne pr\u00e9voit g\u00e9n\u00e9ralement pas de couverture automatique. Le capital reste investi, mais aucune prestation compl\u00e9mentaire n\u2019est vers\u00e9e.<\/p><p>Il est donc essentiel d\u2019analyser la dimension assurantielle si la protection contre l\u2019invalidit\u00e9 est une priorit\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\":\"Quel est le meilleur 3\\u00e8me pilier en Suisse en 2026 ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p data-start=\\\"591\\\" data-end=\\\"809\\\">Il n\\u2019existe pas un meilleur <a href=\\\"https:\\\/\\\/invexa.ch\\\/prevoyance\\\/3eme-pilier\\\/\\\">3\\u00e8me pilier<\\\/a> universel, car il n\\u2019est pas n\\u00e9cessaire de choisir une seule solution. En Suisse, il est possible et souvent recommand\\u00e9 de d\\u00e9tenir <strong>plusieurs comptes ou contrats 3a<\\\/strong> simultan\\u00e9ment.<\\\/p><p data-start=\\\"811\\\" data-end=\\\"834\\\">Cette approche permet :<\\\/p><ul data-start=\\\"836\\\" data-end=\\\"1077\\\"><li data-start=\\\"836\\\" data-end=\\\"910\\\"><p data-start=\\\"838\\\" data-end=\\\"910\\\">De diversifier les strat\\u00e9gies (assurance, banque, plateforme digitale)<\\\/p><\\\/li><li data-start=\\\"911\\\" data-end=\\\"944\\\"><p data-start=\\\"913\\\" data-end=\\\"944\\\">D\\u2019adapter le niveau de risque<\\\/p><\\\/li><li data-start=\\\"945\\\" data-end=\\\"1025\\\"><p data-start=\\\"947\\\" data-end=\\\"1025\\\">D\\u2019optimiser la fiscalit\\u00e9 au moment du retrait gr\\u00e2ce \\u00e0 un versement \\u00e9chelonn\\u00e9<\\\/p><\\\/li><li data-start=\\\"1026\\\" data-end=\\\"1077\\\"><p data-start=\\\"1028\\\" data-end=\\\"1077\\\">De combiner rendement et couverture des risques<\\\/p><\\\/li><\\\/ul><p data-start=\\\"1079\\\" data-end=\\\"1207\\\">Le meilleur 3\\u00e8me pilier n\\u2019est donc pas une solution unique, mais une strat\\u00e9gie coh\\u00e9rente construite en fonction de votre profil.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Peut-on combiner plusieurs 3\\u00e8me piliers ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p data-start=\\\"1283\\\" data-end=\\\"1585\\\">Oui, et c\\u2019est souvent une strat\\u00e9gie recommand\\u00e9e. Il est possible d\\u2019ouvrir plusieurs comptes ou contrats 3a aupr\\u00e8s d\\u2019institutions diff\\u00e9rentes. En pratique, beaucoup de sp\\u00e9cialistes conseillent d\\u2019en r\\u00e9partir jusqu\\u2019\\u00e0 cinq afin d\\u2019optimiser le retrait progressif \\u00e0 la retraite et de r\\u00e9duire l\\u2019impact fiscal.<\\\/p><p data-start=\\\"1587\\\" data-end=\\\"1634\\\">Combiner plusieurs solutions permet \\u00e9galement :<\\\/p><ul data-start=\\\"1636\\\" data-end=\\\"1829\\\"><li data-start=\\\"1636\\\" data-end=\\\"1722\\\"><p data-start=\\\"1638\\\" data-end=\\\"1722\\\">D\\u2019associer une couverture assurantielle \\u00e0 une strat\\u00e9gie d\\u2019investissement dynamique<\\\/p><\\\/li><li data-start=\\\"1723\\\" data-end=\\\"1763\\\"><p data-start=\\\"1725\\\" data-end=\\\"1763\\\">De r\\u00e9partir le risque institutionnel<\\\/p><\\\/li><li data-start=\\\"1764\\\" data-end=\\\"1829\\\"><p data-start=\\\"1766\\\" data-end=\\\"1829\\\">D\\u2019ajuster progressivement l\\u2019exposition aux march\\u00e9s avec l\\u2019\\u00e2ge<\\\/p><\\\/li><\\\/ul><p data-start=\\\"1831\\\" data-end=\\\"1985\\\">La question n\\u2019est donc pas de <a href=\\\"https:\\\/\\\/invexa.ch\\\/prevoyance\\\/3eme-pilier-assurance-ou-banque\\\/\\\">choisir entre assurance, banque<\\\/a> ou plateforme digitale, mais de d\\u00e9terminer la combinaison la plus adapt\\u00e9e \\u00e0 votre situation.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Est-il pr\\u00e9f\\u00e9rable de privil\\u00e9gier le rendement ou la protection ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>La pr\\u00e9voyance repose sur un \\u00e9quilibre entre rendement et gestion des risques. Optimiser le rendement est important pour maximiser le capital retraite. Mais ignorer les risques d\\u2019invalidit\\u00e9 ou de d\\u00e9c\\u00e8s peut fragiliser la situation financi\\u00e8re globale.<\\\/p><p>Le meilleur 3\\u00e8me pilier est celui qui combine de mani\\u00e8re coh\\u00e9rente performance, s\\u00e9curit\\u00e9 et protection selon votre profil.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Les banques traditionnelles sont-elles plus ch\\u00e8res que les plateformes digitales ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>En g\\u00e9n\\u00e9ral, les plateformes digitales affichent des frais totaux plus bas gr\\u00e2ce \\u00e0 une structure automatis\\u00e9e et \\u00e0 l\\u2019utilisation d\\u2019ETF indiciels.<\\\/p><p>Les banques traditionnelles peuvent avoir des frais l\\u00e9g\\u00e8rement sup\\u00e9rieurs, mais offrent un encadrement institutionnel, une relation client personnalis\\u00e9e et parfois une gamme de fonds plus large.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Faut-il investir 100 % en actions dans son pilier 3a ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Cela d\\u00e9pend de votre horizon de placement et de votre tol\\u00e9rance au risque.<\\\/p><p>Sur un horizon long (20 \\u00e0 30 ans), une forte exposition aux actions peut am\\u00e9liorer le rendement attendu. En revanche, une strat\\u00e9gie plus prudente peut \\u00eatre pr\\u00e9f\\u00e9rable si vous \\u00eates proche de la retraite ou sensible aux fluctuations des march\\u00e9s.<\\\/p><p>Le meilleur 3\\u00e8me pilier est celui dont l\\u2019allocation correspond \\u00e0 votre profil de risque.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Peut-on changer de pilier 3a ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Oui, il est possible de transf\\u00e9rer son avoir 3a vers un autre \\u00e9tablissement.<\\\/p><p>En revanche, pour une assurance 3a, la r\\u00e9siliation anticip\\u00e9e peut entra\\u00eener des frais ou une valeur de rachat inf\\u00e9rieure aux primes vers\\u00e9es durant les premi\\u00e8res ann\\u00e9es.<\\\/p><p>Il est donc important d\\u2019analyser les conditions contractuelles avant tout changement.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Que se passe-t-il en cas d\\u2019invalidit\\u00e9 avec un pilier 3a ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Cela d\\u00e9pend du type de solution choisi.<\\\/p><p>Une assurance 3a peut inclure une rente ou une lib\\u00e9ration du paiement des primes en cas d\\u2019invalidit\\u00e9.<\\\/p><p>Un compte bancaire ou une solution digitale ne pr\\u00e9voit g\\u00e9n\\u00e9ralement pas de couverture automatique. Le capital reste investi, mais aucune prestation compl\\u00e9mentaire n\\u2019est vers\\u00e9e.<\\\/p><p>Il est donc essentiel d\\u2019analyser la dimension assurantielle si la protection contre l\\u2019invalidit\\u00e9 est une priorit\\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<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-d2527dd elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d2527dd\" 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-e4aebf8\" data-id=\"e4aebf8\" 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-73defa5 elementor-widget elementor-widget-heading\" data-id=\"73defa5\" 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-074c7cb elementor-widget elementor-widget-text-editor\" data-id=\"074c7cb\" 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 donn\u00e9es pr\u00e9sent\u00e9es dans cet article reposent sur des sources officielles et une m\u00e9thodologie de calcul homog\u00e8ne, appliqu\u00e9e de mani\u00e8re identique \u00e0 l&rsquo;ensemble des prestataires compar\u00e9s.<\/p><p>Pour les assurances, les projections et indicateurs de frais proviennent d&rsquo;offres officielles transmises par les assureurs, \u00e9tablies pour un assur\u00e9 de 25 ans versant CHF 7&rsquo;258 par an sur 40 ans, dans le cadre d&rsquo;une strat\u00e9gie offensive. Les sc\u00e9narios d\u00e9favorable, moyen et favorable sont calcul\u00e9s conform\u00e9ment \u00e0 la m\u00e9thodologie de l&rsquo;<a href=\"https:\/\/svv.ch\/fr\" target=\"_blank\" rel=\"noopener\">Association Suisse d&rsquo;Assurances (ASA)<\/a>, sur la base de donn\u00e9es historiques de march\u00e9. La r\u00e9duction du rendement, indicateur standardis\u00e9 par l&rsquo;ASA, mesure l&rsquo;impact annuel de l&rsquo;ensemble des frais (conclusion, gestion, administration, TER des fonds) sur le rendement net. Les frais de risque li\u00e9s aux couvertures souscrites sont exclus des projections.<\/p><p>Pour les banques traditionnelles et les prestataires digitaux, nous avons donc reconstitu\u00e9 les projections \u00e0 partir des frais totaux publi\u00e9s par chaque prestataire, en appliquant les m\u00eames trois sc\u00e9narios de rendement brut que pour les assurances. Cette approche permet une comparaison directe entre les deux univers sur une base commune.<\/p><p>Les frais totaux retenus correspondent \u00e0 la somme des frais de plateforme et du TER des fonds pour une strat\u00e9gie offensive (part d&rsquo;actions maximale). Ces frais sont d\u00e9duits annuellement du rendement brut par capitalisation compos\u00e9e, ce qui refl\u00e8te correctement leur impact r\u00e9el sur 40 ans.<\/p><p>Les TER retenus pour chaque prestataire sont ceux publi\u00e9s officiellement dans leurs documents de r\u00e9f\u00e9rence ou leurs sites. Lorsqu&rsquo;une fourchette existe selon la strat\u00e9gie, le TER correspondant \u00e0 la strat\u00e9gie offensive a \u00e9t\u00e9 utilis\u00e9. Pour les prestataires dont certains frais ne sont pas publi\u00e9s officiellement, une estimation conservatrice a \u00e9t\u00e9 indiqu\u00e9e et signal\u00e9e comme telle.<\/p><p>Ces projections sont des illustrations math\u00e9matiques, pas des pr\u00e9visions. Elles supposent un rendement brut constant sur 40 ans, des versements annuels r\u00e9guliers et une allocation maintenue sans modification. En pratique, les rendements varient d&rsquo;une ann\u00e9e \u00e0 l&rsquo;autre, les frais peuvent \u00e9voluer, et la strat\u00e9gie d&rsquo;un investisseur change souvent avec l&rsquo;\u00e2ge. Les chiffres pr\u00e9sent\u00e9s visent \u00e0 illustrer l&rsquo;impact des frais sur le long terme, pas \u00e0 pr\u00e9voir un capital pr\u00e9cis \u00e0 la retraite.<\/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>Le 3\u00e8me pilier est un outil cl\u00e9 de la pr\u00e9voyance en Suisse, mais toutes les solutions ne se valent pas. Compte bancaire, fonds de placement ou assurance-vie: chaque formule a ses sp\u00e9cificit\u00e9s en termes de rendement, de co\u00fbts, de flexibilit\u00e9 et de couverture. Ce comparatif, mis \u00e0 jour chaque mois, vous aide \u00e0 y voir clair.<\/p>\n","protected":false},"author":1,"featured_media":5583,"comment_status":"closed","ping_status":"open","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"content-type":"","footnotes":""},"categories":[30],"tags":[36,40,39,62],"class_list":["post-1688","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-prevoyance","tag-3a","tag-3b","tag-3eme-pilier","tag-independant"],"_links":{"self":[{"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/posts\/1688","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=1688"}],"version-history":[{"count":140,"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/posts\/1688\/revisions"}],"predecessor-version":[{"id":9069,"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/posts\/1688\/revisions\/9069"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/media\/5583"}],"wp:attachment":[{"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/media?parent=1688"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/categories?post=1688"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/tags?post=1688"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}