{"id":1837,"date":"2025-05-13T09:32:12","date_gmt":"2025-05-13T09:32:12","guid":{"rendered":"http:\/\/invexa.ch\/?p=1837"},"modified":"2025-05-13T09:57:06","modified_gmt":"2025-05-13T09:57:06","slug":"rente-viagere-bonne-ou-mauvaise-idee","status":"publish","type":"post","link":"https:\/\/invexa.ch\/fr\/prevoyance\/rente-viagere-bonne-ou-mauvaise-idee\/","title":{"rendered":"Rente viag\u00e8re: bonne ou mauvaise id\u00e9e ?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1837\" class=\"elementor elementor-1837\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-bda59ea elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bda59ea\" 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-5b63917\" data-id=\"5b63917\" 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-940b1cc elementor-widget elementor-widget-heading\" data-id=\"940b1cc\" 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\">Une rente viag\u00e8re est-elle vraiment int\u00e9ressante ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-63c6f0e elementor-widget elementor-widget-text-editor\" data-id=\"63c6f0e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La rente viag\u00e8re fait partie de ces solutions de pr\u00e9voyance souvent \u00e9voqu\u00e9es mais rarement bien comprises. En vue de la r\u00e9forme fiscale du <strong><a href=\"http:\/\/invexa.ch\/prevoyance\/pilier-3b-tout-savoir-sur-la-prevoyance-libre\/\">pilier 3b<\/a><\/strong> en 2025, l\u2019int\u00e9r\u00eat pour cette formule de revenu garanti \u00e0 vie repart \u00e0 la hausse. Pourtant, comme souvent en mati\u00e8re de finances personnelles, la r\u00e9ponse \u00e0 la question \u00ab\u00a0est-ce int\u00e9ressant ?\u00a0\u00bb d\u00e9pend avant tout de votre situation, de vos <strong>objectifs<\/strong> de vie et de votre tol\u00e9rance au risque.<\/p><p>Si vous cherchez une <strong>s\u00e9curit\u00e9 financi\u00e8re<\/strong> stable et que vous redoutez de voir votre \u00e9pargne fondre \u00e0 vue d\u2019\u0153il, la rente viag\u00e8re peut s\u2019av\u00e9rer pr\u00e9cieuse. En revanche, si vous avez une bonne tol\u00e9rance au risque et souhaitez privil\u00e9gier la transmission de votre patrimoine, elle pourrait ne pas \u00eatre la meilleure option. Alors, pour qui cette solution est-elle vraiment faite ?<\/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-328f75b elementor-widget elementor-widget-heading\" data-id=\"328f75b\" 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\">Pour qui les rentes viag\u00e8res sont-elles faites ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-771f4fd elementor-widget elementor-widget-text-editor\" data-id=\"771f4fd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La rente viag\u00e8re n\u2019est pas une solution universelle. Elle s\u2019adresse avant tout \u00e0 celles et ceux qui recherchent une solution s\u00e9curitaire pour se pr\u00e9munir contre le <strong>risque de long\u00e9vit\u00e9<\/strong>, c\u2019est-\u00e0-dire vivre plus longtemps que pr\u00e9vu et manquer de ressources en fin de vie.<\/p><p>Voici les profils pour qui la rente viag\u00e8re peut \u00eatre particuli\u00e8rement pertinente:<\/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-b4d8922 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b4d8922\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-65fb187\" data-id=\"65fb187\" 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-a7e9237 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"a7e9237\" 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<span class=\"elementor-icon-list-text\">Profil<\/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<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-d569af0\" data-id=\"d569af0\" 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-1cbbd1c elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"1cbbd1c\" 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<span class=\"elementor-icon-list-text\">Objectifs<\/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<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-4a4498b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4a4498b\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-de10ad8\" data-id=\"de10ad8\" 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-92a8391 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"92a8391\" 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\">Personnes sans h\u00e9ritiers directs ou sans souci de transmission patrimoniale<\/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<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-3afa2ca\" data-id=\"3afa2ca\" 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-f398eda elementor-widget elementor-widget-text-editor\" data-id=\"f398eda\" 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>Si transmettre un capital n\u2019est pas une priorit\u00e9 pour vous, la rente viag\u00e8re permet de consommer pleinement votre patrimoine sous forme de revenus garantis \u00e0 vie.<\/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<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-24cd380 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"24cd380\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-dd8db56\" data-id=\"dd8db56\" 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-b1005c9 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"b1005c9\" 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\">Retrait\u00e9s ou futurs retrait\u00e9s soucieux de s\u00e9curiser un revenu r\u00e9gulier<\/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<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-0d6ce8b\" data-id=\"0d6ce8b\" 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-d30a663 elementor-widget elementor-widget-text-editor\" data-id=\"d30a663\" 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>Si vous craignez l\u2019incertitude des march\u00e9s financiers ou les al\u00e9as \u00e9conomiques, la rente viag\u00e8re apporte une stabilit\u00e9 rassurante, quelles que soient les conditions \u00e9conomiques.<\/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<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-e98d796 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e98d796\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-7486427\" data-id=\"7486427\" 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-44392ae elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"44392ae\" 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\">Personnes en bonne sant\u00e9 avec une esp\u00e9rance de vie \u00e9lev\u00e9e<\/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<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-867d8f2\" data-id=\"867d8f2\" 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-ab9cb1f elementor-widget elementor-widget-text-editor\" data-id=\"ab9cb1f\" 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>Plus vous vivez longtemps, plus la rente devient rentable. C\u2019est une option avantageuse pour ceux qui anticipent une longue retraite en bonne sant\u00e9.<\/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<div class=\"elementor-element elementor-element-300f2ba elementor-widget elementor-widget-heading\" data-id=\"300f2ba\" 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\">Quels sont les avantages des rentes viag\u00e8res ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8f34bf2 elementor-widget elementor-widget-heading\" data-id=\"8f34bf2\" 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\">Revenu garanti \u00e0 vie<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f1eae6c elementor-widget elementor-widget-text-editor\" data-id=\"f1eae6c\" 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\tC\u2019est le principal avantage. Peu importe la dur\u00e9e de votre retraite, vous recevez un revenu r\u00e9gulier jusqu\u2019\u00e0 la fin de votre vie. Cela permet d\u2019\u00e9viter l\u2019angoisse de \u00ab\u00a0survivre \u00e0 son \u00e9pargne\u00a0\u00bb, un risque bien r\u00e9el dans une \u00e9poque l&rsquo;esp\u00e9rance de vie est plus \u00e9lev\u00e9e que jamais.\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-b062887 elementor-widget elementor-widget-heading\" data-id=\"b062887\" 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\">Protection contre les fluctuations des march\u00e9s financiers<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3c888e0 elementor-widget elementor-widget-text-editor\" data-id=\"3c888e0\" 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>Contrairement \u00e0 d\u2019autres formes de placements (actions, <strong><a href=\"http:\/\/invexa.ch\/investissement\/quest-ce-quun-fonds-de-placement\/\">fonds de placement<\/a><\/strong>, <strong><a href=\"http:\/\/invexa.ch\/investissement\/etf-le-guide-complet\/\">ETF<\/a><\/strong>, etc.), la rente viag\u00e8re n\u2019est pas soumise \u00e0 la <strong>volatilit\u00e9<\/strong> des march\u00e9s. Vous s\u00e9curisez une partie de votre patrimoine et n\u2019avez plus \u00e0 vous soucier des crises \u00e9conomiques ou des fluctuations boursi\u00e8res.<\/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-ca1251c elementor-widget elementor-widget-heading\" data-id=\"ca1251c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Avantages fiscaux<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-96efcce elementor-widget elementor-widget-text-editor\" data-id=\"96efcce\" 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 <strong>2024<\/strong>, les rentes viag\u00e8res \u00e9taient impos\u00e9es \u00e0 hauteur de <strong>40%<\/strong> en tant que rendement forfaitaire. D\u00e8s <strong>2025<\/strong>, cette part imposable est ajust\u00e9e en fonction du taux d&rsquo;int\u00e9r\u00eat technique maximal en vigueur \u00e0 la date de conclusion du contrat. Par exemple, pour les contrats conclus en 2024, avec un taux d&rsquo;int\u00e9r\u00eat technique de <strong>1%<\/strong>, la <strong>part imposable<\/strong> des prestations garanties sera r\u00e9duite \u00e0 1%. Les prestations exc\u00e9dentaires restent cependant impos\u00e9es \u00e0 hauteur de <strong>70%<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cb80e8f elementor-widget elementor-widget-heading\" data-id=\"cb80e8f\" 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\">Quels sont les inconv\u00e9nients des rentes viag\u00e8res ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-33912c6 elementor-widget elementor-widget-heading\" data-id=\"33912c6\" 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\">Capital irr\u00e9cup\u00e9rable<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e45b431 elementor-widget elementor-widget-text-editor\" data-id=\"e45b431\" 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 souscrivant une rente viag\u00e8re, vous transformez un capital en revenu de mani\u00e8re <strong>irr\u00e9versible<\/strong>. Une fois le contrat sign\u00e9, vous ne pouvez plus r\u00e9cup\u00e9rer ce capital, m\u00eame en cas de besoin impr\u00e9vu. C\u2019est donc une solution peu adapt\u00e9e aux personnes qui souhaitent conserver une certaine liquidit\u00e9 ou flexibilit\u00e9.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0770f94 elementor-widget elementor-widget-heading\" data-id=\"0770f94\" 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\">Rendement souvent faible<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a7f7975 elementor-widget elementor-widget-text-editor\" data-id=\"a7f7975\" 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>Sur le long terme, le rendement d\u2019une rente viag\u00e8re est g\u00e9n\u00e9ralement bien plus <strong>faible<\/strong> qu\u2019un investissement <strong>dynamique<\/strong> (actions, fonds de placement, immobilier). Si vous \u00eates \u00e0 l\u2019aise avec la gestion de votre patrimoine et que vous pouvez tol\u00e9rer une part de risque, d\u2019autres solutions pourraient offrir un <strong>meilleur rendement<\/strong> global.<\/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-a976fff elementor-widget elementor-widget-heading\" data-id=\"a976fff\" 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\">Peu adapt\u00e9 \u00e0 une transmission de patrimoine<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-af12398 elementor-widget elementor-widget-text-editor\" data-id=\"af12398\" 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><span class=\"_fadeIn_m1hgl_8\">La <\/span><span class=\"_fadeIn_m1hgl_8\">rente <\/span><span class=\"_fadeIn_m1hgl_8\">viag\u00e8re <\/span><span class=\"_fadeIn_m1hgl_8\">est <\/span><span class=\"_fadeIn_m1hgl_8\">avant <\/span><span class=\"_fadeIn_m1hgl_8\">tout <\/span><span class=\"_fadeIn_m1hgl_8\">con\u00e7ue <\/span><span class=\"_fadeIn_m1hgl_8\">pour <\/span><strong><span class=\"_fadeIn_m1hgl_8\">consommer <\/span><\/strong><span class=\"_fadeIn_m1hgl_8\">son <\/span><span class=\"_fadeIn_m1hgl_8\">patrimoine, <\/span><span class=\"_fadeIn_m1hgl_8\">pas <\/span><span class=\"_fadeIn_m1hgl_8\">pour <\/span><span class=\"_fadeIn_m1hgl_8\">le <\/span><span class=\"_fadeIn_m1hgl_8\">transmettre. <\/span><span class=\"_fadeIn_m1hgl_8\">Il est cependant possible d&rsquo;inclure une option de transmission du capital, mais au d\u00e9pit d&rsquo;une <strong>importante r\u00e9duction<\/strong> de la rente, ce qui en fait une solution peu avantageuse si vous souhaitez optimiser votre succession.<\/span><\/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-3f2b973 elementor-widget elementor-widget-heading\" data-id=\"3f2b973\" 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\">Risque d'inflation<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-710115b elementor-widget elementor-widget-text-editor\" data-id=\"710115b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u00c0 moins d\u2019avoir pr\u00e9vu une indexation, les montants vers\u00e9s par la rente viag\u00e8re restent <strong>fixes<\/strong> dans le temps. Avec l\u2019<strong>inflation<\/strong>, le pouvoir d\u2019achat des revenus peut donc s\u2019\u00e9roder progressivement. Cela peut poser probl\u00e8me si vous vivez une retraite longue et que vos d\u00e9penses augmentent.<\/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-6911c6f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6911c6f\" 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-e8b9c04\" data-id=\"e8b9c04\" 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-fc7f465 elementor-widget elementor-widget-heading\" data-id=\"fc7f465\" 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\">Rente diff\u00e9r\u00e9e VS rente immm\u00e9diate<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ed77355 elementor-widget elementor-widget-text-editor\" data-id=\"ed77355\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La rente imm\u00e9diate est inf\u00e9rieure \u00e0 la rente diff\u00e9r\u00e9e, car:<\/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-a1ae69a elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"a1ae69a\" 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\">Avec la rente diff\u00e9r\u00e9e, l\u2019assureur a 5 ans pour faire fructifier votre capital avant de commencer les versements, d\u2019o\u00f9 un revenu annuel plus \u00e9lev\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\">Avec la rente imm\u00e9diate, vous commencez \u00e0 recevoir des paiements tout de suite, donc le revenu annuel est logiquement plus bas.<\/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-19e6523 elementor-widget elementor-widget-heading\" data-id=\"19e6523\" 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\">Exemple de calcul<\/h2>\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-21b9835 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"21b9835\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-b55e4a6\" data-id=\"b55e4a6\" 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-77a813b elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"77a813b\" 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<span class=\"elementor-icon-list-text\">Profil<\/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<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-6ffc5c9\" data-id=\"6ffc5c9\" 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-1d8a93a elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"1d8a93a\" 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<span class=\"elementor-icon-list-text\">Objectifs<\/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<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-f9fb2bd elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f9fb2bd\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-7366afb\" data-id=\"7366afb\" 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-71e7227 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"71e7227\" 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<span class=\"elementor-icon-list-text\">Investissement initial <\/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<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-20b7a95\" data-id=\"20b7a95\" 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-33ccacd elementor-widget elementor-widget-text-editor\" data-id=\"33ccacd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Vous d\u00e9cidez d\u2019investir <strong>CHF 100&rsquo;000<\/strong> pour souscrire une rente viag\u00e8re.<\/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<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-d06752e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d06752e\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-8ca55bc\" data-id=\"8ca55bc\" 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-2d0cada elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"2d0cada\" 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<span class=\"elementor-icon-list-text\">Frais \u00e0 d\u00e9duire<\/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<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-c0a84cf\" data-id=\"c0a84cf\" 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-41c1d4e elementor-widget elementor-widget-text-editor\" data-id=\"41c1d4e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>D\u00e9duire le droit de timbre (taxe sur les primes de <strong>2.5%<\/strong>), soit <strong>CHF 2&rsquo;500<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8ec3b58 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"8ec3b58\" 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 r\u00e9ellement investi dans le contrat: <b>CHF 97'500<\/b><\/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<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-947ba40 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"947ba40\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-9010bd8\" data-id=\"9010bd8\" 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-13a0183 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"13a0183\" 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<span class=\"elementor-icon-list-text\">Montant de la rente<\/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<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-cb99421\" data-id=\"cb99421\" 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-dac7bf6 elementor-widget elementor-widget-text-editor\" data-id=\"dac7bf6\" 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\tSi vous avez 60 ans et commencez \u00e0 toucher la rente \u00e0 65 ans (rente diff\u00e9r\u00e9e):\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-12fe5e7 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"12fe5e7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Vous recevez environ <b>CHF 4'300<\/b> par an \u00e0 vie d\u00e8s vos <b>65 ans<\/b>.<\/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-409ee97 elementor-widget elementor-widget-text-editor\" data-id=\"409ee97\" 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>Si vous avez 65 ans et commencez imm\u00e9diatement (rente imm\u00e9diate):<\/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-5ab5fbf elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"5ab5fbf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Vous recevez environ <b>CHF 3'900<\/b> par an \u00e0 vie d\u00e8s <b>maintenant<\/b>.<\/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-55f0523 elementor-widget elementor-widget-heading\" data-id=\"55f0523\" 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\">Succession de la rente viag\u00e8re<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e2f4677 elementor-widget elementor-widget-text-editor\" data-id=\"e2f4677\" 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><span class=\"_fadeIn_m1hgl_8\">La <\/span><span class=\"_fadeIn_m1hgl_8\">rente <\/span><span class=\"_fadeIn_m1hgl_8\">viag\u00e8re <\/span><span class=\"_fadeIn_m1hgl_8\">offre <\/span><span class=\"_fadeIn_m1hgl_8\">la <\/span><span class=\"_fadeIn_m1hgl_8\">possibilit\u00e9 <\/span><span class=\"_fadeIn_m1hgl_8\">d\u2019assurer <\/span><span class=\"_fadeIn_m1hgl_8\">une <\/span><span class=\"_fadeIn_m1hgl_8\">transmission <\/span><span class=\"_fadeIn_m1hgl_8\">du <\/span><span class=\"_fadeIn_m1hgl_8\">capital <\/span><span class=\"_fadeIn_m1hgl_8\">en <\/span><span class=\"_fadeIn_m1hgl_8\">cas <\/span><span class=\"_fadeIn_m1hgl_8\">de <\/span><span class=\"_fadeIn_m1hgl_8\">d\u00e9c\u00e8s <\/span><span class=\"_fadeIn_m1hgl_8\">de <\/span><span class=\"_fadeIn_m1hgl_8\">l\u2019assur\u00e9. On appelle cela une \u00ab\u00a0<strong>rente viag\u00e8re avec restitution des primes\u00a0\u00bb<\/strong>. Cela signifie que\u00a0si l\u2019assur\u00e9 d\u00e9c\u00e8de avant d\u2019avoir per\u00e7u l\u2019int\u00e9gralit\u00e9 de la valeur de son capital, le solde est revers\u00e9 aux h\u00e9ritiers. Dans le cas contraire, le capital restant est <strong>conserv\u00e9<\/strong> par la compagnie d\u2019assurance et les h\u00e9ritiers ne re\u00e7oivent <strong>rien<\/strong>. <br \/><\/span><\/p><p><span class=\"_fadeIn_m1hgl_8\">Lors <\/span><span class=\"_fadeIn_m1hgl_8\">de <\/span><span class=\"_fadeIn_m1hgl_8\">la <\/span><span class=\"_fadeIn_m1hgl_8\">souscription, <\/span><span class=\"_fadeIn_m1hgl_8\">il <\/span><span class=\"_fadeIn_m1hgl_8\">est <\/span><span class=\"_fadeIn_m1hgl_8\">\u00e9galement <\/span><span class=\"_fadeIn_m1hgl_8\">n\u00e9cessaire <\/span><span class=\"_fadeIn_m1hgl_8\">de <\/span><span class=\"_fadeIn_m1hgl_8\">choisir <\/span><span class=\"_fadeIn_m1hgl_8\">le <\/span><span class=\"_fadeIn_m1hgl_8\">nombre <\/span><span class=\"_fadeIn_m1hgl_8\">de <\/span><span class=\"_fadeIn_m1hgl_8\">personnes <\/span><span class=\"_fadeIn_m1hgl_8\">couvertes<\/span> <span class=\"_fadeIn_m1hgl_8\">par <\/span><span class=\"_fadeIn_m1hgl_8\">le <\/span><span class=\"_fadeIn_m1hgl_8\">contrat. En cas de rente sur <strong>une t\u00eate<\/strong>, la prestation est vers\u00e9e uniquement \u00e0 l\u2019assur\u00e9. En cas de d\u00e9c\u00e8s, selon l\u2019option choisie (avec ou sans restitution), le capital restant est soit transmis aux h\u00e9ritiers, soit absorb\u00e9 par l\u2019assureur. En cas de rente sur <strong>deux t\u00eates<\/strong>, deux b\u00e9n\u00e9ficiaires sont assur\u00e9s, souvent un couple. Si l\u2019un des deux d\u00e9c\u00e8de, le survivant <strong>continue<\/strong> de <strong>percevoir<\/strong> la rente jusqu\u2019\u00e0 son propre d\u00e9c\u00e8s.<br \/><\/span><\/p><p>Ces options sont int\u00e9ressantes, mais elles se font au d\u00e9triment de la rente, qui sera <strong>diminu\u00e9e<\/strong> en fonction du risque calcul\u00e9 par l&rsquo;assureur.<\/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-e875a29 elementor-widget elementor-widget-heading\" data-id=\"e875a29\" 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\">Rente imm\u00e9diate ou rente diff\u00e9r\u00e9e ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-18fdb2b elementor-widget elementor-widget-text-editor\" data-id=\"18fdb2b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La rente viag\u00e8re offre la possibilit\u00e9 d\u2019assurer une transmission du capital en cas de d\u00e9c\u00e8s de l\u2019assur\u00e9. On appelle cela une \u00ab\u00a0<strong>rente viag\u00e8re avec restitution des primes<\/strong>\u00ab\u00a0. Cela signifie que\u00a0si l\u2019assur\u00e9 d\u00e9c\u00e8de avant d\u2019avoir per\u00e7u l\u2019int\u00e9gralit\u00e9 de la valeur de son capital, le solde est revers\u00e9 aux h\u00e9ritiers. Dans le cas contraire, le capital restant est <strong>conserv\u00e9<\/strong> par la compagnie d\u2019assurance et les h\u00e9ritiers ne re\u00e7oivent rien.<\/p><p>Lors de la souscription, il est \u00e9galement n\u00e9cessaire de choisir le nombre de <strong>personnes<\/strong> couvertes par le contrat. En cas de rente sur une t\u00eate, la prestation est vers\u00e9e uniquement \u00e0 l\u2019assur\u00e9. En cas de <strong>d\u00e9c\u00e8s<\/strong>, selon l\u2019option choisie (avec ou sans restitution), le capital restant est soit transmis aux h\u00e9ritiers, soit absorb\u00e9 par l\u2019assureur. En cas de rente sur deux t\u00eates, deux b\u00e9n\u00e9ficiaires sont assur\u00e9s, souvent un couple. Si l\u2019un des deux d\u00e9c\u00e8de, le survivant continue de percevoir la rente jusqu\u2019\u00e0 son propre d\u00e9c\u00e8s.<\/p><p>Ces options sont int\u00e9ressantes, mais elles se font au d\u00e9triment de la rente, qui sera <strong>diminu\u00e9e<\/strong> en fonction du risque calcul\u00e9 par l&rsquo;assureur.<\/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-64986a4 elementor-widget elementor-widget-heading\" data-id=\"64986a4\" 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\">Rente viag\u00e8re ou rente certaine ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6c7db74 elementor-widget elementor-widget-text-editor\" data-id=\"6c7db74\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La rente certaine est une solution de pr\u00e9voyance qui garantit le versement d\u2019un <strong>revenu r\u00e9gulier<\/strong> pendant une <strong>p\u00e9riode<\/strong> d\u00e9finie \u00e0 l\u2019avance, entre <strong>5 et 25 ans<\/strong>, selon votre choix. Contrairement \u00e0 la rente viag\u00e8re, les versements sont limit\u00e9s dans le temps, et sont assur\u00e9s m\u00eame en cas de d\u00e9c\u00e8s du souscripteur.<\/p><p>La rente certaine permet de d\u00e9terminer pr\u00e9cis\u00e9ment la dur\u00e9e pendant laquelle vous souhaitez recevoir vos rentes (par exemple, de 60 \u00e0 65 ans pour combler un \u00ab\u00a0pont AVS\u00a0\u00bb). En cas de d\u00e9c\u00e8s pendant la p\u00e9riode de versement, les rentes restantes sont vers\u00e9es \u00e0 vos <strong>b\u00e9n\u00e9ficiaires<\/strong>. De plus, la prime n\u2019est pas soumise au droit de timbre f\u00e9d\u00e9ral de <strong>2.5%<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0f2b742 elementor-widget elementor-widget-heading\" data-id=\"0f2b742\" 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\">Conclusion<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ac0a8e7 elementor-widget elementor-widget-text-editor\" data-id=\"ac0a8e7\" 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><span class=\"_fadeIn_m1hgl_8\">Il <\/span><span class=\"_fadeIn_m1hgl_8\">n\u2019existe <\/span><span class=\"_fadeIn_m1hgl_8\">pas <\/span><span class=\"_fadeIn_m1hgl_8\">de <\/span><span class=\"_fadeIn_m1hgl_8\">r\u00e9ponse <\/span><span class=\"_fadeIn_m1hgl_8\">universelle. <\/span><span class=\"_fadeIn_m1hgl_8\">La <\/span><span class=\"_fadeIn_m1hgl_8\">rente <\/span><span class=\"_fadeIn_m1hgl_8\">viag\u00e8re <\/span><span class=\"_fadeIn_m1hgl_8\">n\u2019est <\/span><span class=\"_fadeIn_m1hgl_8\">ni <\/span><span class=\"_fadeIn_m1hgl_8\">fondamentalement <\/span><span class=\"_fadeIn_m1hgl_8\">bonne <\/span><span class=\"_fadeIn_m1hgl_8\">ni <\/span><span class=\"_fadeIn_m1hgl_8\">mauvaise. T<\/span><span class=\"_fadeIn_m1hgl_8\">out <\/span><span class=\"_fadeIn_m1hgl_8\">d\u00e9pend <\/span><span class=\"_fadeIn_m1hgl_8\">de <\/span><span class=\"_fadeIn_m1hgl_8\">votre <\/span><span class=\"_fadeIn_m1hgl_8\">situation <\/span><span class=\"_fadeIn_m1hgl_8\">financi\u00e8re, <\/span><span class=\"_fadeIn_m1hgl_8\">de <\/span><span class=\"_fadeIn_m1hgl_8\">vos <\/span><span class=\"_fadeIn_m1hgl_8\">objectifs <\/span><span class=\"_fadeIn_m1hgl_8\">de <\/span><span class=\"_fadeIn_m1hgl_8\">retraite, <\/span><span class=\"_fadeIn_m1hgl_8\">votre <\/span><span class=\"_fadeIn_m1hgl_8\">app\u00e9tence <\/span><span class=\"_fadeIn_m1hgl_8\">au <\/span><span class=\"_fadeIn_m1hgl_8\">risque<\/span><span class=\"_fadeIn_m1hgl_8\">, mais aussi beaucoup de votre esp\u00e9rance de vie apr\u00e8s la retraite.<\/span><\/p><p data-start=\"301\" data-end=\"642\"><span class=\"_fadeIn_m1hgl_8\">Elle <\/span><span class=\"_fadeIn_m1hgl_8\">repr\u00e9sente <\/span><span class=\"_fadeIn_m1hgl_8\">une <\/span><span class=\"_fadeIn_m1hgl_8\">excellente <\/span><span class=\"_fadeIn_m1hgl_8\">option <\/span><span class=\"_fadeIn_m1hgl_8\">pour <\/span><span class=\"_fadeIn_m1hgl_8\">ceux <\/span><span class=\"_fadeIn_m1hgl_8\">qui <\/span><span class=\"_fadeIn_m1hgl_8\">cherchent <\/span><span class=\"_fadeIn_m1hgl_8\">avant <\/span><span class=\"_fadeIn_m1hgl_8\">tout <\/span><span class=\"_fadeIn_m1hgl_8\">la <\/span><strong><span class=\"_fadeIn_m1hgl_8\">s\u00e9curit\u00e9 <\/span><\/strong><span class=\"_fadeIn_m1hgl_8\">d\u2019un <\/span><span class=\"_fadeIn_m1hgl_8\">revenu <\/span><span class=\"_fadeIn_m1hgl_8\">garanti <\/span><span class=\"_fadeIn_m1hgl_8\">\u00e0 <\/span><span class=\"_fadeIn_m1hgl_8\">vie<\/span><span class=\"_fadeIn_m1hgl_8\">, <\/span><span class=\"_fadeIn_m1hgl_8\">sans <\/span><span class=\"_fadeIn_m1hgl_8\">avoir <\/span><span class=\"_fadeIn_m1hgl_8\">\u00e0 <\/span><span class=\"_fadeIn_m1hgl_8\">se <\/span><span class=\"_fadeIn_m1hgl_8\">soucier <\/span><span class=\"_fadeIn_m1hgl_8\">de <\/span><span class=\"_fadeIn_m1hgl_8\">la <\/span><span class=\"_fadeIn_m1hgl_8\">gestion <\/span><span class=\"_fadeIn_m1hgl_8\">de <\/span><span class=\"_fadeIn_m1hgl_8\">leur <\/span><span class=\"_fadeIn_m1hgl_8\">capital <\/span><span class=\"_fadeIn_m1hgl_8\">ou <\/span><span class=\"_fadeIn_m1hgl_8\">de <\/span><span class=\"_fadeIn_m1hgl_8\">l\u2019\u00e9volution <\/span><span class=\"_fadeIn_m1hgl_8\">des <\/span><span class=\"_fadeIn_m1hgl_8\">march\u00e9s <\/span><span class=\"_fadeIn_m1hgl_8\">financiers. <\/span><span class=\"_fadeIn_m1hgl_8\">Avec <\/span><span class=\"_fadeIn_m1hgl_8\">la <\/span><span class=\"_fadeIn_m1hgl_8\">r\u00e9forme <\/span><span class=\"_fadeIn_m1hgl_8\">fiscale <\/span><span class=\"_fadeIn_m1hgl_8\">de <\/span><span class=\"_fadeIn_m1hgl_8\">2025, <\/span><span class=\"_fadeIn_m1hgl_8\">son <\/span><span class=\"_fadeIn_m1hgl_8\">attractivit\u00e9 <\/span><span class=\"_fadeIn_m1hgl_8\">est <\/span><span class=\"_fadeIn_m1hgl_8\">m\u00eame <\/span><span class=\"_fadeIn_m1hgl_8\">renforc\u00e9e <\/span><span class=\"_fadeIn_m1hgl_8\">pour <\/span><span class=\"_fadeIn_m1hgl_8\">les <\/span><span class=\"_fadeIn_m1hgl_8\">profils <\/span><span class=\"_fadeIn_m1hgl_8\">\u00e0 <\/span><span class=\"_fadeIn_m1hgl_8\">la <\/span><span class=\"_fadeIn_m1hgl_8\">recherche <\/span><span class=\"_fadeIn_m1hgl_8\">d\u2019une <\/span><span class=\"_fadeIn_m1hgl_8\">fiscalit\u00e9 <\/span><span class=\"_fadeIn_m1hgl_8\">avantageuse. <\/span><span class=\"_fadeIn_m1hgl_8\">En <\/span><span class=\"_fadeIn_m1hgl_8\">revanche, <\/span><span class=\"_fadeIn_m1hgl_8\">pour <\/span><span class=\"_fadeIn_m1hgl_8\">les <\/span><span class=\"_fadeIn_m1hgl_8\">personnes <\/span><span class=\"_fadeIn_m1hgl_8\">souhaitant <\/span><span class=\"_fadeIn_m1hgl_8\">pr\u00e9server <\/span><span class=\"_fadeIn_m1hgl_8\">et <\/span><span class=\"_fadeIn_m1hgl_8\">transmettre <\/span><span class=\"_fadeIn_m1hgl_8\">leur <\/span><span class=\"_fadeIn_m1hgl_8\">patrimoine<\/span><span class=\"_fadeIn_m1hgl_8\">, <\/span><span class=\"_fadeIn_m1hgl_8\">garder <\/span><span class=\"_fadeIn_m1hgl_8\">de <\/span><span class=\"_fadeIn_m1hgl_8\">la <\/span><span class=\"_fadeIn_m1hgl_8\">flexibilit\u00e9 <\/span><span class=\"_fadeIn_m1hgl_8\">ou <\/span><span class=\"_fadeIn_m1hgl_8\">viser <\/span><span class=\"_fadeIn_m1hgl_8\">un <\/span><span class=\"_fadeIn_m1hgl_8\">rendement <\/span><span class=\"_fadeIn_m1hgl_8\">plus <\/span><span class=\"_fadeIn_m1hgl_8\">\u00e9lev\u00e9 <\/span><span class=\"_fadeIn_m1hgl_8\">via <\/span><span class=\"_fadeIn_m1hgl_8\">d\u2019autres <\/span><span class=\"_fadeIn_m1hgl_8\">investissements, <\/span><span class=\"_fadeIn_m1hgl_8\">la <\/span><span class=\"_fadeIn_m1hgl_8\">rente <\/span><span class=\"_fadeIn_m1hgl_8\">viag\u00e8re <\/span><span class=\"_fadeIn_m1hgl_8\">est <br \/><\/span><span class=\"_fadeIn_m1hgl_8\">moins <\/span><span class=\"_fadeIn_m1hgl_8\">adapt\u00e9e.<\/span><\/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<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Une rente viag\u00e8re est-elle un bon plan pour votre retraite ou une fausse bonne id\u00e9e ? Avec la r\u00e9forme fiscale de 2025, cette solution d\u2019\u00e9pargne revient sur le devant de la sc\u00e8ne. Mais est-elle vraiment adapt\u00e9e \u00e0 tout le monde ? Dans cet article, nous d\u00e9cortiquons les avantages, les limites, et surtout pour quels profils la rente viag\u00e8re peut \u00eatre adapt\u00e9e.<\/p>\n","protected":false},"author":1,"featured_media":1839,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","footnotes":""},"categories":[30],"tags":[40,47],"class_list":["post-1837","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-prevoyance","tag-3b","tag-retraite"],"_links":{"self":[{"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/posts\/1837","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=1837"}],"version-history":[{"count":0,"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/posts\/1837\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/media\/1839"}],"wp:attachment":[{"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/media?parent=1837"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/categories?post=1837"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/tags?post=1837"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}