{"id":2410,"date":"2026-06-17T08:15:02","date_gmt":"2026-06-17T08:15:02","guid":{"rendered":"https:\/\/invexa.ch\/?p=2410"},"modified":"2026-06-17T09:49:02","modified_gmt":"2026-06-17T09:49:02","slug":"2eme-pilier","status":"publish","type":"post","link":"https:\/\/invexa.ch\/fr\/prevoyance\/2eme-pilier\/","title":{"rendered":"2\u00e8me pilier Suisse : tout ce qu&rsquo;il faut savoir en 2026"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"2410\" class=\"elementor elementor-2410\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1fe29e2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1fe29e2\" 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-2772e23\" data-id=\"2772e23\" 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-111f547 e-flex e-con-boxed e-con e-parent\" data-id=\"111f547\" 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-c86fc1e e-con-full e-flex e-con e-child\" data-id=\"c86fc1e\" 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-41f96ea elementor-widget elementor-widget-heading\" data-id=\"41f96ea\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Le 2\u00e8me pilier (LPP) 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-a9186e2 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"a9186e2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"500\" zoomAndPan=\"magnify\" viewBox=\"0 0 375 374.999991\" height=\"500\" preserveAspectRatio=\"xMidYMid meet\"><defs><clipPath id=\"5bc1e4b2e8\"><path d=\"M 0 163 L 162.230469 163 L 162.230469 187.609375 L 0 187.609375 Z M 0 163 \" 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class=\"elementor-icon-list-text\"><strong>Obligatoire d\u00e8s 17 ans (risques) et 25 ans (vieillesse)<\/strong> pour les salari\u00e9s gagnant plus de CHF 22'680\/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 xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"500\" zoomAndPan=\"magnify\" viewBox=\"0 0 375 374.999991\" height=\"500\" preserveAspectRatio=\"xMidYMid meet\"><defs><clipPath id=\"5bc1e4b2e8\"><path d=\"M 0 163 L 162.230469 163 L 162.230469 187.609375 L 0 187.609375 Z M 0 163 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"1ae224ed11\"><path d=\"M 187 0 L 212 0 L 212 162.722656 L 187 162.722656 Z M 187 0 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"bd96533006\"><path d=\"M 212.089844 187.441406 L 375 187.441406 L 375 212.488281 L 212.089844 212.488281 Z M 212.089844 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212.8125 L 187.125 212.617188 Z M 187.246094 212.722656 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 214.265625 160.496094 L 213.769531 160.417969 L 214.175781 160.011719 Z M 214.265625 160.496094 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.125 187.609375 L 172.6875 202.351562 L 160.492188 214.800781 L 160.089844 215.214844 L 101.066406 275.449219 L 145.144531 212.230469 L 156.78125 195.523438 L 162.183594 187.730469 L 162.289062 187.609375 Z M 187.125 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/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>Cotisations partag\u00e9es entre employeur et employ\u00e9 :<\/strong> l'employeur paie au minimum 50%<\/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 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fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 212.148438 187.609375 L 211.984375 187.609375 L 212.066406 187.472656 Z M 212.148438 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 162.289062 187.609375 L 162.183594 187.730469 L 162.09375 187.609375 Z M 162.289062 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 273.183594 99.761719 L 229.121094 162.996094 L 217.488281 179.6875 L 212.066406 187.472656 L 211.984375 187.609375 L 187.125 187.609375 L 201.558594 172.875 L 213.769531 160.417969 L 214.265625 160.496094 L 214.175781 160.011719 Z M 273.183594 99.761719 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 274.113281 274.558594 L 211.660156 230.101562 L 194.679688 217.996094 L 187.246094 212.722656 L 187.125 212.617188 L 187.125 187.609375 Z M 274.113281 274.558594 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><g clip-path=\"url(#dd846df1dc)\"><path fill=\"#071659\" d=\"M 187.125 212.8125 L 187.125 376.039062 L 162.675781 230.613281 L 179.90625 218.058594 Z M 187.125 212.8125 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 187.246094 212.722656 L 187.125 212.8125 L 187.125 212.617188 Z M 187.246094 212.722656 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 214.265625 160.496094 L 213.769531 160.417969 L 214.175781 160.011719 Z M 214.265625 160.496094 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.125 187.609375 L 172.6875 202.351562 L 160.492188 214.800781 L 160.089844 215.214844 L 101.066406 275.449219 L 145.144531 212.230469 L 156.78125 195.523438 L 162.183594 187.730469 L 162.289062 187.609375 Z M 187.125 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/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>Retrait possible sous forme de rente, capital, ou combinaison :<\/strong> d\u00e9cision irr\u00e9vocable<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"500\" zoomAndPan=\"magnify\" viewBox=\"0 0 375 374.999991\" height=\"500\" preserveAspectRatio=\"xMidYMid meet\"><defs><clipPath id=\"5bc1e4b2e8\"><path d=\"M 0 163 L 162.230469 163 L 162.230469 187.609375 L 0 187.609375 Z M 0 163 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"1ae224ed11\"><path d=\"M 187 0 L 212 0 L 212 162.722656 L 187 162.722656 Z M 187 0 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"bd96533006\"><path d=\"M 212.089844 187.441406 L 375 187.441406 L 375 212.488281 L 212.089844 212.488281 Z M 212.089844 187.441406 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"dd846df1dc\"><path d=\"M 162.230469 212.601562 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fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 214.265625 160.496094 L 213.769531 160.417969 L 214.175781 160.011719 Z M 214.265625 160.496094 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.125 187.609375 L 172.6875 202.351562 L 160.492188 214.800781 L 160.089844 215.214844 L 101.066406 275.449219 L 145.144531 212.230469 L 156.78125 195.523438 L 162.183594 187.730469 L 162.289062 187.609375 Z M 187.125 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/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>Retrait anticip\u00e9 autoris\u00e9 dans 4 cas:<\/strong> retraite anticip\u00e9e, achat immobilier, ind\u00e9pendance, d\u00e9part d\u00e9finitif de Suisse<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"500\" zoomAndPan=\"magnify\" viewBox=\"0 0 375 374.999991\" height=\"500\" preserveAspectRatio=\"xMidYMid meet\"><defs><clipPath id=\"5bc1e4b2e8\"><path d=\"M 0 163 L 162.230469 163 L 162.230469 187.609375 L 0 187.609375 Z M 0 163 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"1ae224ed11\"><path d=\"M 187 0 L 212 0 L 212 162.722656 L 187 162.722656 Z M 187 0 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"bd96533006\"><path d=\"M 212.089844 187.441406 L 375 187.441406 L 375 212.488281 L 212.089844 212.488281 Z M 212.089844 187.441406 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"dd846df1dc\"><path d=\"M 162.230469 212.601562 L 187.125 212.601562 L 187.125 375 L 162.230469 375 Z M 162.230469 212.601562 \" clip-rule=\"nonzero\"><\/path><\/clipPath><\/defs><g clip-path=\"url(#5bc1e4b2e8)\"><path fill=\"#071659\" d=\"M 162.09375 187.609375 L -1.410156 187.609375 L 144.605469 163.078125 L 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187.125 162.398438 L 187.125 162.589844 L 186.996094 162.503906 Z M 187.125 162.398438 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.125 162.589844 L 187.125 187.609375 L 100.144531 100.675781 L 162.585938 145.109375 L 179.566406 157.214844 L 186.996094 162.503906 Z M 187.125 162.589844 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 212.148438 187.609375 L 211.984375 187.609375 L 212.066406 187.472656 Z M 212.148438 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 162.289062 187.609375 L 162.183594 187.730469 L 162.09375 187.609375 Z M 162.289062 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 273.183594 99.761719 L 229.121094 162.996094 L 217.488281 179.6875 L 212.066406 187.472656 L 211.984375 187.609375 L 187.125 187.609375 L 201.558594 172.875 L 213.769531 160.417969 L 214.265625 160.496094 L 214.175781 160.011719 Z M 273.183594 99.761719 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 274.113281 274.558594 L 211.660156 230.101562 L 194.679688 217.996094 L 187.246094 212.722656 L 187.125 212.617188 L 187.125 187.609375 Z M 274.113281 274.558594 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><g clip-path=\"url(#dd846df1dc)\"><path fill=\"#071659\" d=\"M 187.125 212.8125 L 187.125 376.039062 L 162.675781 230.613281 L 179.90625 218.058594 Z M 187.125 212.8125 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#071659\" d=\"M 187.246094 212.722656 L 187.125 212.8125 L 187.125 212.617188 Z M 187.246094 212.722656 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 214.265625 160.496094 L 213.769531 160.417969 L 214.175781 160.011719 Z M 214.265625 160.496094 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.125 187.609375 L 172.6875 202.351562 L 160.492188 214.800781 L 160.089844 215.214844 L 101.066406 275.449219 L 145.144531 212.230469 L 156.78125 195.523438 L 162.183594 187.730469 L 162.289062 187.609375 Z M 187.125 187.609375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/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>Rachats volontaires<\/strong> possibles et fiscalement d\u00e9ductibles<\/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-22dfe5f elementor-widget elementor-widget-heading\" data-id=\"22dfe5f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Qu'est-ce que le 2\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-22b1193 elementor-widget elementor-widget-text-editor\" data-id=\"22b1193\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Le <strong>2\u00e8me pilier<\/strong>, aussi appel\u00e9 <strong>pr\u00e9voyance professionnelle<\/strong> ou LPP (Loi sur la pr\u00e9voyance professionnelle), est un syst\u00e8me d\u2019assurance <strong>obligatoire<\/strong> en Suisse pour les salari\u00e9s dont le revenu d\u00e9passe un certain seuil, faisant parti du concept des <strong><a href=\"https:\/\/invexa.ch\/prevoyance\/le-systeme-des-3-piliers-en-suisse\/\">trois piliers<\/a><\/strong>. Il vise \u00e0 <strong>compl\u00e9ter<\/strong> les prestations de l\u2019<strong><a href=\"https:\/\/invexa.ch\/prevoyance\/1er-pilier-suisse-tout-savoir-sur-lavs-ai-et-prestations-complementaires\/\">AVS<\/a><\/strong> afin de garantir un revenu suffisant une fois \u00e0 la retraite, en cas d\u2019invalidit\u00e9 ou de d\u00e9c\u00e8s. Financ\u00e9 conjointement par l\u2019employeur et l\u2019employ\u00e9, il repose sur un principe de <strong>capitalisation<\/strong> individuelle: chaque assur\u00e9 \u00e9pargne pour sa propre retraite.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0e75856 elementor-widget elementor-widget-image\" data-id=\"0e75856\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"512\" src=\"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/06\/Le-2eme-pilier-dans-le-systeme-de-prevoyance-suisse-e1750241469766-1024x655.png\" class=\"attachment-large size-large wp-image-2417\" alt=\"Le 2\u00e8me pilier dans le syst\u00e8me de pr\u00e9voyance suisse\" srcset=\"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/06\/Le-2eme-pilier-dans-le-systeme-de-prevoyance-suisse-e1750241469766-1024x655.png 1024w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/06\/Le-2eme-pilier-dans-le-systeme-de-prevoyance-suisse-e1750241469766-300x192.png 300w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/06\/Le-2eme-pilier-dans-le-systeme-de-prevoyance-suisse-e1750241469766-768x491.png 768w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/06\/Le-2eme-pilier-dans-le-systeme-de-prevoyance-suisse-e1750241469766-18x12.png 18w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/06\/Le-2eme-pilier-dans-le-systeme-de-prevoyance-suisse-e1750241469766.png 1478w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-967080e elementor-widget elementor-widget-heading\" data-id=\"967080e\" 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\">Qui est concern\u00e9 ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ca8765f elementor-widget elementor-widget-text-editor\" data-id=\"ca8765f\" 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>Tous les salari\u00e9s en Suisse ne cotisent pas automatiquement au 2\u00e8me pilier. L\u2019affiliation <strong>obligatoire<\/strong> d\u00e9pend de plusieurs conditions:<\/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-0c887cd elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"0c887cd\" 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\">\u00catre salari\u00e9 et soumis \u00e0 l\u2019AVS<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Avoir un revenu annuel sup\u00e9rieur \u00e0 CHF 22'680 (seuil 2026)<\/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\">Avoir au moins 17 ans pour l\u2019assurance d\u00e9c\u00e8s et 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\">D\u00e8s 24 ans, commencer \u00e0 cotiser aussi pour la retraite<\/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-eb37a5f elementor-widget elementor-widget-heading\" data-id=\"eb37a5f\" 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\">Seuils LPP (2026)<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e848c5d elementor-widget elementor-widget-html\" data-id=\"e848c5d\" 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<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"Table\",\n  \"name\": \"Param\u00e8tres LPP 2026 en Suisse\",\n  \"description\": \"Tableau des montants LPP 2026 en Suisse : seuil d'entr\u00e9e, d\u00e9duction de coordination, salaire coordonn\u00e9 minimum et maximum, salaire AVS d\u00e9terminant maximum.\",\n  \"keywords\": [\"LPP 2026\", \"seuil entr\u00e9e LPP\", \"d\u00e9duction de coordination\", \"salaire coordonn\u00e9\", \"pr\u00e9voyance professionnelle suisse 2026\"]\n}\n<\/script>\n<div class=\"t\">\n  <table>\n    <caption style=\"display:none\">Param\u00e8tres LPP 2026 Suisse<\/caption>\n    <thead>\n      <tr>\n        <th scope=\"col\">Param\u00e8tre LPP<\/th>\n        <th scope=\"col\">Montant<\/th>\n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr>\n        <td>Seuil d'entr\u00e9e LPP (revenu minimum)<\/td>\n        <td data-label=\"Montant\">CHF 22'680<\/td>\n      <\/tr>\n      <tr>\n        <td>D\u00e9duction de coordination<\/td>\n        <td data-label=\"Montant\">CHF 26'460<\/td>\n      <\/tr>\n      <tr>\n        <td>Salaire coordonn\u00e9 minimum assur\u00e9<\/td>\n        <td data-label=\"Montant\">CHF 3'780<\/td>\n      <\/tr>\n      <tr>\n        <td>Salaire coordonn\u00e9 maximum assur\u00e9<\/td>\n        <td data-label=\"Montant\">CHF 64'260<\/td>\n      <\/tr>\n      <tr>\n        <td>Salaire AVS d\u00e9terminant maximum<\/td>\n        <td data-label=\"Montant\">CHF 90'720<\/td>\n      <\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b2eb6a7 elementor-widget elementor-widget-text-editor\" data-id=\"b2eb6a7\" 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>M\u00eame si vous ne remplissez pas les conditions standard, il est possible de s&rsquo;assurer au 2e pilier de mani\u00e8re volontaire. Par exemple, un employeur peut d\u00e9cider de couvrir un salari\u00e9 dont le revenu est <strong>inf\u00e9rieur<\/strong> \u00e0 <strong>CHF 22&rsquo;680<\/strong>. De m\u00eame, les <a href=\"https:\/\/invexa.ch\/prevoyance\/2e-pilier-pour-independant-bonne-ou-mauvaise-idee\/\">ind\u00e9pendants<\/a> ou les personnes engag\u00e9es pour une courte dur\u00e9e peuvent choisir d\u2019y cotiser, bien que cela ne soit pas obligatoire.<\/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-1de5221 elementor-widget elementor-widget-heading\" data-id=\"1de5221\" 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\">Cotisations et bonifications vieillesse<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a96cbe elementor-widget elementor-widget-text-editor\" data-id=\"4a96cbe\" 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 cotisations au 2\u00e8me pilier (LPP) sont calcul\u00e9es sur le <strong>salaire annuel<\/strong> dit <strong>coordonn\u00e9<\/strong> (c\u2019est-\u00e0-dire apr\u00e8s d\u00e9duction d\u2019un montant fixe appel\u00e9 d\u00e9duction de coordination, <strong>CHF 26&rsquo;460<\/strong> en 2026). Elles sont partag\u00e9es entre l\u2019employeur et l\u2019employ\u00e9, l\u2019employeur devant payer au moins la moiti\u00e9 (sauf pour les ind\u00e9pendants qui doivent payer l&rsquo;enti\u00e8ret\u00e9 des cotisations). Les cotisations comprennent plusieurs composantes, dont l\u2019\u00e9pargne vieillesse, les risques et les frais.<\/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-2051db4 elementor-widget elementor-widget-menu-anchor\" data-id=\"2051db4\" 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=\"bonifications-vieillesse-lpp\"><\/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-74bc4d2 elementor-widget elementor-widget-heading\" data-id=\"74bc4d2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">1. Bonifications vieillesse<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-532b7bd elementor-widget elementor-widget-text-editor\" data-id=\"532b7bd\" 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 bonifications vieillesse repr\u00e9sentent la partie \u00e9pargne de la pr\u00e9voyance professionnelle, et le taux <strong>augmente<\/strong> avec l\u2019\u00e2ge afin de constituer progressivement l\u2019avoir de vieillesse. Voici un aper\u00e7u des bonifications vieillesse en 2026 selon l\u2019\u00e2ge de l\u2019assur\u00e9 dans la partie obligatoire:<\/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-b6e0e1a elementor-widget elementor-widget-html\" data-id=\"b6e0e1a\" 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<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"Table\",\n  \"name\": \"Taux de bonifications de vieillesse LPP par tranche d'\u00e2ge Suisse 2026\",\n  \"description\": \"Tableau des pourcentages de bonifications de vieillesse LPP selon l'\u00e2ge de l'assur\u00e9 en Suisse : de 7% pour les 25-34 ans \u00e0 18% pour les 55-65 ans.\",\n  \"keywords\": [\"bonifications de vieillesse LPP\", \"taux LPP par \u00e2ge\", \"cotisations LPP suisse 2026\", \"pourcentage LPP \u00e2ge\"]\n}\n<\/script>\n<div class=\"t\">\n  <table>\n    <caption style=\"display:none\">Taux de bonifications de vieillesse LPP par tranche d'\u00e2ge Suisse 2026<\/caption>\n    <thead>\n      <tr>\n        <th scope=\"col\">\u00c2ge de l'assur\u00e9<\/th>\n        <th scope=\"col\">Pourcentage %<\/th>\n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr>\n        <td>25 \u2013 34 ans<\/td>\n        <td data-label=\"Pourcentage %\">7%<\/td>\n      <\/tr>\n      <tr>\n        <td>35 \u2013 44 ans<\/td>\n        <td data-label=\"Pourcentage %\">10%<\/td>\n      <\/tr>\n      <tr>\n        <td>45 \u2013 54 ans<\/td>\n        <td data-label=\"Pourcentage %\">15%<\/td>\n      <\/tr>\n      <tr>\n        <td>55 \u2013 65 ans<\/td>\n        <td data-label=\"Pourcentage %\"><span class=\"win\">18%<\/span><\/td>\n      <\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d17c617 elementor-widget elementor-widget-heading\" data-id=\"d17c617\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">2. Primes de risque<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0fb932d elementor-widget elementor-widget-text-editor\" data-id=\"0fb932d\" 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 primes de risque financent la couverture contre les <strong>risques<\/strong> d\u2019<strong>invalidit\u00e9<\/strong> et de <strong>d\u00e9c\u00e8s<\/strong>. Cela signifie que si un assur\u00e9 devient invalide ou d\u00e9c\u00e8de avant l\u2019\u00e2ge de la retraite, la caisse de pension versera une <strong>rente d\u2019invalidit\u00e9<\/strong> ou une <strong>rente de survivants<\/strong> (conjoint, partenaire enregistr\u00e9, enfants). Ces primes varient selon l\u2019\u00e2ge et le sexe.<\/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-9e9b2e7 elementor-widget elementor-widget-heading\" data-id=\"9e9b2e7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">3. Contribution au fonds de garantie LPP<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-639ac06 elementor-widget elementor-widget-text-editor\" data-id=\"639ac06\" 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>Chaque institution de pr\u00e9voyance doit verser une contribution au <a href=\"https:\/\/sfbvg.ch\/fr\/\" target=\"_blank\" rel=\"noopener\"><strong>fonds de garantie LPP<\/strong><\/a>, qui garantit les <strong>prestations minimales l\u00e9gales<\/strong> en cas d\u2019insolvabilit\u00e9 d\u2019une caisse de pension. Ce m\u00e9canisme prot\u00e8ge les assur\u00e9s contre le risque de perdre leur avoir de pr\u00e9voyance si leur caisse fait faillite. Le fonds intervient \u00e9galement en cas de restructuration ou de situations exceptionnelles, comme lors de fusions de caisses.<\/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-523f45f elementor-widget elementor-widget-heading\" data-id=\"523f45f\" 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\">Prestations : vieillesse, invalidit\u00e9, d\u00e9c\u00e8s<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a575ea elementor-widget elementor-widget-text-editor\" data-id=\"4a575ea\" 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 2\u00e8me pilier <strong>prot\u00e8ge<\/strong> \u00e9galement les <strong>assur\u00e9s<\/strong> et leur <strong>famille<\/strong> contre les risques d\u2019<a href=\"https:\/\/invexa.ch\/prevoyance\/rente-lpp-cas-invalidite\/\">invalidit\u00e9 <\/a>ou de <strong>d\u00e9c\u00e8s<\/strong>, ainsi que contre le risque in\u00e9vitable de la vieillesse. Les prestations sont donc vers\u00e9es selon diff\u00e9rents \u00e9v\u00e9nements de la vie, sous forme de <strong>rentes<\/strong>. Voici un aper\u00e7u synth\u00e9tique des principales prestations pr\u00e9vues par la LPP :<\/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-33de389 elementor-widget elementor-widget-html\" data-id=\"33de389\" 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<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"Table\",\n  \"name\": \"Prestations LPP par risque assur\u00e9 en Suisse 2026\",\n  \"description\": \"Tableau des prestations LPP selon le risque couvert en Suisse : rentes de vieillesse, invalidit\u00e9 et d\u00e9c\u00e8s, avec d\u00e9tails sur les rentes de conjoint, d'orphelin et pour enfants.\",\n  \"keywords\": [\"prestations LPP\", \"rente vieillesse LPP\", \"rente invalidit\u00e9 LPP\", \"rente conjoint LPP\", \"rente orphelin LPP\", \"suisse 2026\"]\n}\n<\/script>\n<div class=\"t\">\n  <table style=\"font-size:13px !important;\">\n    <caption style=\"display:none\">Prestations LPP par risque assur\u00e9 Suisse 2026<\/caption>\n    <thead>\n      <tr>\n        <th scope=\"col\" style=\"width:30%;\">Type de rente<\/th>\n        <th scope=\"col\">D\u00e9tails<\/th>\n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr style=\"background:var(--color-background-tertiary) !important;\">\n        <td colspan=\"2\" style=\"font-weight:500; font-size:13px !important; padding:8px 14px !important;\">D\u00e9part \u00e0 la retraite<\/td>\n      <\/tr>\n      <tr>\n        <td data-label=\"Type de rente\">Rente de vieillesse<\/td>\n        <td data-label=\"D\u00e9tails\">Vers\u00e9e d\u00e8s l'\u00e2ge l\u00e9gal de la retraite. Calcul\u00e9e \u00e0 partir de l'avoir de vieillesse \u00e9pargn\u00e9, au taux de conversion de 6.8%.<\/td>\n      <\/tr>\n      <tr>\n        <td data-label=\"Type de rente\">Capital vieillesse<\/td>\n        <td data-label=\"D\u00e9tails\">Possibilit\u00e9 de retirer 1\/4 de l'avoir LPP obligatoire sous forme de capital. Certaines caisses permettent le retrait de l'int\u00e9gralit\u00e9 du capital.<\/td>\n      <\/tr>\n      <tr>\n        <td data-label=\"Type de rente\">Rente enfant de retrait\u00e9<\/td>\n        <td data-label=\"D\u00e9tails\">20% de la rente de vieillesse vers\u00e9e par enfant, jusqu'\u00e0 18 ans ou 25 ans s'il est en formation.<\/td>\n      <\/tr>\n      <tr style=\"background:var(--color-background-tertiary) !important;\">\n        <td colspan=\"2\" style=\"font-weight:500; font-size:13px !important; padding:8px 14px !important;\"> Invalidit\u00e9 avant la retraite<\/td>\n      <\/tr>\n      <tr>\n        <td data-label=\"Type de rente\">Rente d'invalidit\u00e9<\/td>\n        <td data-label=\"D\u00e9tails\">Si l'assur\u00e9 devient invalide (selon l'AI), il re\u00e7oit une rente calcul\u00e9e sur l'avoir accumul\u00e9 + les bonifications de vieillesse futures, sans int\u00e9r\u00eats.<\/td>\n      <\/tr>\n      <tr>\n        <td data-label=\"Type de rente\">Rente enfant d'invalide<\/td>\n        <td data-label=\"D\u00e9tails\">20% de la rente d'invalidit\u00e9 vers\u00e9e par enfant, jusqu'\u00e0 18 ans ou 25 ans en cas de formation.<\/td>\n      <\/tr>\n      <tr style=\"background:var(--color-background-tertiary) !important;\">\n        <td colspan=\"2\" style=\"font-weight:500; font-size:13px !important; padding:8px 14px !important;\"> D\u00e9c\u00e8s avant la retraite<\/td>\n      <\/tr>\n      <tr>\n        <td data-label=\"Type de rente\">Rente de conjoint<\/td>\n        <td data-label=\"D\u00e9tails\">Le conjoint survivant touche 60% de la rente si le mariage a dur\u00e9 au moins 5 ans et que le conjoint a au moins 45 ans, ou s'il y a des enfants \u00e0 charge. \u00c0 d\u00e9faut, une indemnit\u00e9 unique \u00e9quivalente \u00e0 3 rentes annuelles peut \u00eatre vers\u00e9e.<\/td>\n      <\/tr>\n      <tr>\n        <td data-label=\"Type de rente\">Rente d'orphelin<\/td>\n        <td data-label=\"D\u00e9tails\">20% de la rente vers\u00e9e \u00e0 chaque enfant jusqu'\u00e0 18 ans, ou 25 ans en cas de formation.<\/td>\n      <\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-04dc0a4 elementor-widget elementor-widget-heading\" data-id=\"04dc0a4\" 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 ou capital : que choisir \u00e0 la retraite ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5c59476 elementor-widget elementor-widget-text-editor\" data-id=\"5c59476\" 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 la retraite, vous pouvez percevoir votre avoir LPP sous forme de rente viag\u00e8re, de capital unique, ou d&rsquo;une combinaison des deux. Ce choix est irr\u00e9vocable et il doit \u00eatre communiqu\u00e9 \u00e0 votre caisse de pension au minimum un an \u00e0 l&rsquo;avance.<\/p><p><strong>La rente<\/strong> garantit un revenu mensuel fixe \u00e0 vie, ind\u00e9pendamment de votre long\u00e9vit\u00e9 ou de l&rsquo;\u00e9volution des march\u00e9s. Avec le taux de conversion l\u00e9gal de 6,8 % sur la part obligatoire, elle repr\u00e9sente un rendement garanti difficile \u00e0 \u00e9galer avec des placements s\u00e9curitaires. En contrepartie, le capital restant ne se transmet pas aux h\u00e9ritiers et la rente est impos\u00e9e \u00e0 100 % comme revenu.<\/p><p><strong>Le capital<\/strong> offre une flexibilit\u00e9 totale \u2014 rembourser une hypoth\u00e8que, investir, organiser une succession \u2014 et est impos\u00e9 une seule fois \u00e0 taux r\u00e9duit lors du retrait. Mais vous assumez seul la gestion du capital sur 20 \u00e0 30 ans, sans filet de s\u00e9curit\u00e9 si les fonds s&rsquo;\u00e9puisent.<\/p><p>La combinaison des deux est souvent la solution la plus \u00e9quilibr\u00e9e : une partie en rente pour s\u00e9curiser un revenu de base, une partie en capital pour les projets et la transmission.<\/p><p>Pour une analyse chiffr\u00e9e consultez notre <a href=\"https:\/\/invexa.ch\/prevoyance\/lpp-a-la-retraite-faut-il-choisir-la-rente-ou-le-capital\/\">guide rente ou capital LPP<\/a>.<\/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-b17252e elementor-widget elementor-widget-heading\" data-id=\"b17252e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Comment am\u00e9liorer mes prestations du 2\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-1fac275 elementor-widget elementor-widget-text-editor\" data-id=\"1fac275\" 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>Effectuer des <a href=\"https:\/\/invexa.ch\/prevoyance\/rachat-2eme-pilier-comment-ca-marche\/\">rachats dans votre caisse de pension<\/a> est le moyen le plus efficace d\u2019<strong>am\u00e9liorer<\/strong> vos <strong>prestations<\/strong> du 2\u00e8me pilier. Ces versements <strong>volontaires<\/strong> permettent de combler d\u2019\u00e9ventuelles lacunes de cotisation, par exemple apr\u00e8s un changement d\u2019emploi, un cong\u00e9 non pay\u00e9 ou une r\u00e9duction du taux d\u2019activit\u00e9.<\/p><p>Le montant rachet\u00e9 augmente directement votre avoir de vieillesse, ce qui se traduit par une rente plus \u00e9lev\u00e9e \u00e0 la retraite. En plus de cet avantage, les rachats sont fiscalement d\u00e9ductibles, ce qui permet de r\u00e9duire votre revenu imposable. Il convient toutefois de respecter certaines conditions, notamment un d\u00e9lai de trois ans avant un retrait en capital si vous avez effectu\u00e9 un rachat.<\/p><p>Pour <strong>optimiser votre pr\u00e9voyance<\/strong>, le <a href=\"https:\/\/invexa.ch\/prevoyance\/3eme-pilier\/\">3\u00e8me pilier<\/a> offre une solution sur mesure et compl\u00e9mentaire \u00e0 votre caisse de pension. Le <a href=\"https:\/\/invexa.ch\/prevoyance\/pilier-3a\/\">pilier 3a<\/a>, ainsi que le <a href=\"https:\/\/invexa.ch\/prevoyance\/pilier-3b\/\">pilier 3b<\/a> dans certains cantons, b\u00e9n\u00e9ficient d&rsquo;un avantage fiscal reconnu.<\/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-1760a8e elementor-widget elementor-widget-heading\" data-id=\"1760a8e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Comment retirer son 2\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-7ca5109 elementor-widget elementor-widget-text-editor\" data-id=\"7ca5109\" 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 capital de votre 2\u00e8me pilier peut \u00eatre retir\u00e9 sous <a href=\"https:\/\/invexa.ch\/prevoyance\/conditions-retrait-2eme-pilier-suisse\/\">certaines conditions<\/a>:<\/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-e35978b elementor-widget elementor-widget-heading\" data-id=\"e35978b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">1. D\u00e9part \u00e0 la retraite<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-99502b8 elementor-widget elementor-widget-text-editor\" data-id=\"99502b8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Vous pouvez demander le versement de tout ou partie de votre avoir de vieillesse sous forme de capital, selon les r\u00e8gles de votre caisse de pension. Une demande formelle doit \u00eatre faite plusieurs mois \u00e0 l\u2019avance.<\/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-99e7a2c elementor-widget elementor-widget-heading\" data-id=\"99e7a2c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">2. D\u00e9part d\u00e9finitif de Suisse<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-41935f7 elementor-widget elementor-widget-text-editor\" data-id=\"41935f7\" 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 quittez la Suisse pour un pays hors de l\u2019UE\/AELE, vous pouvez retirer l\u2019entier de votre 2e pilier. Si vous partez dans un pays de l\u2019UE\/AELE, seul le montant surobligatoire est retirable, sauf exceptions.<\/p><p>Si vous avez d\u00e9j\u00e0 retir\u00e9 votre 2\u00e8me pilier lors d&rsquo;un d\u00e9part \u00e0 l&rsquo;\u00e9tranger et que vous envisagez un retour en Suisse, les cons\u00e9quences sur votre pr\u00e9voyance sont importantes \u2014 d\u00e9couvrez les <a href=\"https:\/\/invexa.ch\/prevoyance\/retour-en-suisse-apres-avoir-retire-son-2eme-pilier\/\">d\u00e9marches et options disponibles<\/a>.<\/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-bed4778 elementor-widget elementor-widget-heading\" data-id=\"bed4778\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">3. Acc\u00e8s \u00e0 la propri\u00e9t\u00e9<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1a28a08 elementor-widget elementor-widget-text-editor\" data-id=\"1a28a08\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Vous pouvez utiliser votre avoir pour financer l\u2019achat de votre r\u00e9sidence principale, soit par retrait anticip\u00e9, soit comme garantie (EPL &#8211; encouragement \u00e0 la propri\u00e9t\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-4d7a3e3 elementor-widget elementor-widget-heading\" data-id=\"4d7a3e3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">4. D\u00e9but d\u2019une activit\u00e9 ind\u00e9pendante<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d1befd1 elementor-widget elementor-widget-text-editor\" data-id=\"d1befd1\" 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 quittez votre statut de salari\u00e9 pour devenir ind\u00e9pendant en Suisse, vous pouvez demander le versement de votre capital de pr\u00e9voyance.\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-033c7dc elementor-widget elementor-widget-heading\" data-id=\"033c7dc\" 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\">5. Faible montant<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-27522d7 elementor-widget elementor-widget-text-editor\" data-id=\"27522d7\" 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 votre avoir de libre passage est inf\u00e9rieur \u00e0 une ann\u00e9e de cotisations, vous pouvez en demander le retrait.<\/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-48a5ee9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"48a5ee9\" 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-c8bc7b8\" data-id=\"c8bc7b8\" 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-c6004db elementor-widget elementor-widget-heading\" data-id=\"c6004db\" 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\">Imposition des retraits<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c682e98 elementor-widget elementor-widget-text-editor\" data-id=\"c682e98\" 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>Chaque retrait est soumis \u00e0 l\u2019<a href=\"https:\/\/invexa.ch\/prevoyance\/impot-sur-le-retrait-du-2eme-pilier-lpp\/\">imp\u00f4t sur les prestations en capital<\/a>, un imp\u00f4t \u00e0 <strong>taux r\u00e9duit<\/strong>, distinct du revenu ordinaire, \u00e0 <strong>1\/5<\/strong> du taux d&rsquo;imposition. Il est donc conseill\u00e9 de planifier cette op\u00e9ration avec soin.<\/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-0e7b0fa elementor-widget elementor-widget-heading\" data-id=\"0e7b0fa\" 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\">Fiscalit\u00e9 du retrait<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e7400bf elementor-widget elementor-widget-text-editor\" data-id=\"e7400bf\" 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 Suisse, le retrait du capital LPP est soumis \u00e0 un <a href=\"https:\/\/invexa.ch\/prevoyance\/impot-sur-le-retrait-du-2eme-pilier-lpp\/\">imp\u00f4t sur les prestations en capital<\/a>, c&rsquo;est un imp\u00f4t distinct du revenu ordinaire, appliqu\u00e9 \u00e0 un taux r\u00e9duit correspondant \u00e0 environ 1\/5 du taux habituel selon les cantons.<\/p><p>Le taux varie fortement selon le canton de domicile au moment du retrait. Pour un retrait de CHF 200&rsquo;000, les \u00e9carts sont significatifs :<\/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-d5be577 elementor-widget elementor-widget-html\" data-id=\"d5be577\" 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<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"Table\",\n  \"name\": \"Imposition du retrait du pilier 3a par canton en Suisse 2026\",\n  \"description\": \"Tableau comparatif des taux d'imposition estim\u00e9s et de l'imp\u00f4t approximatif sur le retrait du pilier 3a selon les cantons suisses : Zoug, Gen\u00e8ve, Vaud, Fribourg, Valais, Zurich.\",\n  \"keywords\": [\"imposition pilier 3a canton\", \"taux imp\u00f4t retrait 3a\", \"imp\u00f4t pilier 3a suisse 2026\", \"retrait 3a par canton\"]\n}\n<\/script>\n<div class=\"t\">\n  <table>\n    <caption style=\"display:none\">Imposition du retrait pilier 3a par canton Suisse 2026<\/caption>\n    <thead>\n      <tr>\n        <th scope=\"col\">Canton<\/th>\n        <th scope=\"col\">Taux estim\u00e9<\/th>\n        <th scope=\"col\">Imp\u00f4t approximatif<\/th>\n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr>\n        <td>Zoug<\/td>\n        <td data-label=\"Taux estim\u00e9\"><span class=\"win\">~4,2%<\/span><\/td>\n        <td data-label=\"Imp\u00f4t approximatif\"><span class=\"win\">~CHF 8'400<\/span><\/td>\n      <\/tr>\n      <tr>\n        <td>Valais<\/td>\n        <td data-label=\"Taux estim\u00e9\">~5,5%<\/td>\n        <td data-label=\"Imp\u00f4t approximatif\">~CHF 11'000<\/td>\n      <\/tr>\n      <tr>\n        <td>Zurich<\/td>\n        <td data-label=\"Taux estim\u00e9\">~5,6%<\/td>\n        <td data-label=\"Imp\u00f4t approximatif\">~CHF 11'200<\/td>\n      <\/tr>\n      <tr>\n        <td>Gen\u00e8ve<\/td>\n        <td data-label=\"Taux estim\u00e9\">~5,7%<\/td>\n        <td data-label=\"Imp\u00f4t approximatif\">~CHF 11'400<\/td>\n      <\/tr>\n      <tr>\n        <td>Fribourg<\/td>\n        <td data-label=\"Taux estim\u00e9\">~5,8%<\/td>\n        <td data-label=\"Imp\u00f4t approximatif\">~CHF 11'600<\/td>\n      <\/tr>\n      <tr>\n        <td>Vaud<\/td>\n        <td data-label=\"Taux estim\u00e9\">~6,4%<\/td>\n        <td data-label=\"Imp\u00f4t approximatif\">~CHF 12'800<\/td>\n      <\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-460a738 elementor-widget elementor-widget-text-editor\" data-id=\"460a738\" 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><strong>L&rsquo;imp\u00f4t est progressif :<\/strong> plus le montant retir\u00e9 est \u00e9lev\u00e9 en une seule fois, plus le taux effectif augmente. Fractionner les retraits sur plusieurs ann\u00e9es fiscales peut g\u00e9n\u00e9rer des \u00e9conomies importantes. Par exemple, \u00e0 Gen\u00e8ve, deux retraits de CHF 250&rsquo;000 espac\u00e9s d&rsquo;un an co\u00fbtent environ CHF 10&rsquo;500 de moins qu&rsquo;un retrait unique de CHF 500&rsquo;000.<\/p><p><strong>Trois r\u00e8gles essentielles \u00e0 retenir :<\/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-fa7cc2d elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"fa7cc2d\" 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\">Ne jamais retirer le capital dans les 3 ans suivant un rachat LPP, sous peine de rappel d'imp\u00f4t<\/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\">\u00c9viter de cumuler le retrait LPP et le retrait 3\u00e8me pilier la m\u00eame ann\u00e9e fiscale<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Pour les couples, coordonner les retraits sur deux ann\u00e9es distinctes<\/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-4172dac elementor-widget elementor-widget-text-editor\" data-id=\"4172dac\" 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><strong>Cas particulier des frontaliers fran\u00e7ais :<\/strong> le retrait du 2\u00e8me pilier est soumis \u00e0 plusieurs pr\u00e9l\u00e8vements cumul\u00e9s : l&rsquo;imp\u00f4t \u00e0 la source suisse, l&rsquo;imposition fran\u00e7aise (pr\u00e9l\u00e8vement forfaitaire de 7,5% apr\u00e8s abattement de 10%, ou bar\u00e8me progressif), et les pr\u00e9l\u00e8vements sociaux (~9%). Sur un capital de CHF 200&rsquo;000, la charge fiscale totale peut atteindre CHF 30&rsquo;000 \u00e0 35&rsquo;000 selon la situation. Une planification anticip\u00e9e est indispensable.<\/p><p>Pour une estimation pr\u00e9cise de votre imp\u00f4t et une strat\u00e9gie de retrait optimis\u00e9e selon votre canton et votre situation familiale, consultez notre guide complet sur la <a href=\"https:\/\/invexa.ch\/prevoyance\/impot-sur-le-retrait-du-2eme-pilier-lpp\/\">fiscalit\u00e9 du retrait LPP<\/a>.<\/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-6107f77 elementor-widget elementor-widget-heading\" data-id=\"6107f77\" 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\">Rachat LPP : optimiser sa retraite<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bb858e4 elementor-widget elementor-widget-text-editor\" data-id=\"bb858e4\" 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>Effectuer des <a href=\"https:\/\/invexa.ch\/prevoyance\/rachat-2eme-pilier-comment-ca-marche\/\">rachats dans votre caisse de pension<\/a> est le moyen le plus efficace d\u2019<strong>am\u00e9liorer<\/strong> vos <strong>prestations<\/strong> du 2\u00e8me pilier. Ces versements <strong>volontaires<\/strong> permettent de combler d\u2019\u00e9ventuelles lacunes de cotisation, par exemple apr\u00e8s un changement d\u2019emploi, un cong\u00e9 non pay\u00e9 ou une r\u00e9duction du taux d\u2019activit\u00e9.<\/p><p>Le montant rachet\u00e9 augmente directement votre avoir de vieillesse, ce qui se traduit par une rente plus \u00e9lev\u00e9e \u00e0 la retraite. En plus de cet avantage, les rachats sont fiscalement d\u00e9ductibles, ce qui permet de r\u00e9duire votre revenu imposable. Il convient toutefois de respecter certaines conditions, notamment un d\u00e9lai de trois ans avant un retrait en capital si vous avez effectu\u00e9 un rachat.<\/p><p>Pour <strong>optimiser votre pr\u00e9voyance<\/strong>, le <a href=\"https:\/\/invexa.ch\/prevoyance\/3eme-pilier\/\">3\u00e8me pilier<\/a> offre une solution sur mesure et compl\u00e9mentaire \u00e0 votre caisse de pension. Le <a href=\"https:\/\/invexa.ch\/prevoyance\/pilier-3a\/\">pilier 3a<\/a>, ainsi que le <a href=\"https:\/\/invexa.ch\/prevoyance\/pilier-3b\/\">pilier 3b<\/a> dans certains cantons, b\u00e9n\u00e9ficient d&rsquo;un avantage fiscal reconnu.<\/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-a076468 elementor-widget elementor-widget-heading\" data-id=\"a076468\" 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\">Partage du 2\u00e8me pilier en cas de divorce<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8e7cf7c elementor-widget elementor-widget-text-editor\" data-id=\"8e7cf7c\" 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 cas de divorce en Suisse, les avoirs du 2\u00e8me pilier accumul\u00e9s pendant le mariage sont en principe <strong>partag\u00e9s \u00e9quitablement<\/strong> entre les \u00e9poux, quelle que soit la r\u00e9partition des biens ou le r\u00e9gime matrimonial. Ce partage concerne uniquement les prestations de sortie (avoirs de libre passage) constitu\u00e9es durant la vie commune.<\/p><p>Le montant est calcul\u00e9 \u00e0 la date d\u2019introduction de la proc\u00e9dure de divorce. Chaque conjoint a droit \u00e0 la <strong>moiti\u00e9<\/strong> des avoirs de pr\u00e9voyance que l\u2019autre a \u00e9pargn\u00e9s pendant le mariage. Si l\u2019un des deux n\u2019a pas ou peu cotis\u00e9 (par exemple en cas de pause professionnelle pour \u00e9lever les enfants), il peut ainsi r\u00e9cup\u00e9rer une partie de l\u2019avoir de l\u2019autre sous forme de prestation compensatoire.<\/p><p>Le montant transf\u00e9r\u00e9 est vers\u00e9 soit dans la caisse de pension du b\u00e9n\u00e9ficiaire, soit sur un <strong>compte de libre passage<\/strong>, s\u2019il n\u2019est pas imm\u00e9diatement affili\u00e9 \u00e0 une caisse. Des exceptions existent (par exemple en cas d\u2019accord diff\u00e9rent valid\u00e9 par le juge ou de rente d\u00e9j\u00e0 en cours), mais le principe du partage reste la r\u00e8gle dans la l\u00e9gislation suisse.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-28cc284 elementor-widget elementor-widget-heading\" data-id=\"28cc284\" 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\">Libre passage et changement d'emploi<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ebfc36b elementor-widget elementor-widget-text-editor\" data-id=\"ebfc36b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Un <strong><a href=\"https:\/\/invexa.ch\/prevoyance\/compte-de-libre-passage-ce-que-vous-devez-savoir\/\">compte ou d\u00e9p\u00f4t de libre passage<\/a><\/strong> sert \u00e0 <strong>conserver<\/strong> vos avoirs du 2\u00e8me pilier lorsque vous quittez une caisse de pension sans en rejoindre imm\u00e9diatement une autre. C\u2019est une solution transitoire obligatoire pour ne pas perdre vos droits \u00e0 la pr\u00e9voyance professionnelle.<\/p><p>Ce cas se pr\u00e9sente notamment si vous:<\/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-59e9faf elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"59e9faf\" 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\">Quittez votre emploi sans en reprendre un tout de suite,<\/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\">Devenez 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\">R\u00e9duisez votre taux d\u2019activit\u00e9 en dessous du seuil LPP<\/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\">\u00cates en p\u00e9riode de ch\u00f4mage<\/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\">Partez \u00e0 l\u2019\u00e9tranger<\/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-5ba5290 elementor-widget elementor-widget-text-editor\" data-id=\"5ba5290\" 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>L\u2019avoir accumul\u00e9 reste ainsi bloqu\u00e9, prot\u00e9g\u00e9 et continue \u00e0 produire des int\u00e9r\u00eats, tout en \u00e9tant exon\u00e9r\u00e9 d&rsquo;imp\u00f4t sur la fortune. Vous pouvez le transf\u00e9rer soit sur un <strong>compte ou d\u00e9p\u00f4t bancaire<\/strong> de libre passage, soit dans une <strong>police d\u2019assurance<\/strong> de libre passage. Vous gardez ainsi le lien avec le syst\u00e8me de pr\u00e9voyance, en attendant une nouvelle affiliation ou un <a href=\"https:\/\/invexa.ch\/prevoyance\/retrait-compte-libre-passage\/\">autre \u00e9v\u00e9nement<\/a> (retraite, rachat, ou retrait anticip\u00e9 sous conditions). Dans tous les cas, <a href=\"https:\/\/invexa.ch\/prevoyance\/comparatif-compte-de-libre-passage\/\">comparer les solutions de libre passage<\/a> est essentiel avant de prendre une d\u00e9cision.<\/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-782cef1 elementor-widget elementor-widget-heading\" data-id=\"782cef1\" 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-8ccb2e6 elementor-widget elementor-widget-toggle\" data-id=\"8ccb2e6\" 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-1471\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1471\" 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 fonctionne le deuxi\u00e8me pilier ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1471\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1471\"><p>Le 2e pilier compl\u00e8te l\u2019AVS et permet de maintenir environ <strong>60%<\/strong> de revenu ant\u00e9rieur \u00e0 la retraite. Il est financ\u00e9 par des cotisations <strong>partag\u00e9es<\/strong> entre employ\u00e9 et employeur.<\/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-1472\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1472\" 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\">Depuis quand existe le 2\u00e8me pilier?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1472\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-1472\"><p>Le 2\u00e8me pilier a \u00e9t\u00e9 introduit en Suisse en <strong>1985<\/strong> avec l&rsquo;entr\u00e9e en vigueur de la LPP.<\/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-1473\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-1473\" 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 montant moyen du 2\u00e8me pilier en Suisse ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1473\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-1473\"><p>L&rsquo;avoir moyen de vieillesse LPP en Suisse s&rsquo;\u00e9l\u00e8ve \u00e0 environ <strong>CHF 100&rsquo;000-150&rsquo;000<\/strong>, mais varie fortement selon l&rsquo;\u00e2ge, le salaire et la dur\u00e9e de cotisation.<\/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-1474\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-1474\" 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\">Quand peut-on retirer son deuxi\u00e8me pilier ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1474\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-1474\"><p>\u00c0 la <strong>retraite<\/strong>, ou plus t\u00f4t dans <strong>certains cas<\/strong>: d\u00e9part d\u00e9finitif de Suisse, achat d\u2019un logement, d\u00e9but d\u2019activit\u00e9 ind\u00e9pendante ou montant trop faible.<\/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-1475\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-1475\" 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 savoir combien j'ai sur mon 2\u00e8me pilier ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1475\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-1475\"><p>Chaque ann\u00e9e, votre caisse de pension vous envoie un <strong>certificat de pr\u00e9voyance<\/strong> indiquant votre avoir de pr\u00e9voyance et les prestations pr\u00e9vues.<\/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-1476\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-1476\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Qui cotise au 2\u00e8me pilier ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1476\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-1476\"><p>Tous les salari\u00e9s de <strong>17 ans<\/strong> ou plus dont le revenu annuel d\u00e9passe <strong>CHF 22\u2019680<\/strong> (en 2025). Les ind\u00e9pendants peuvent s\u2019y affilier volontairement.<\/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-1477\" class=\"elementor-tab-title\" data-tab=\"7\" role=\"button\" aria-controls=\"elementor-tab-content-1477\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Comment d\u00e9bloquer son 2eme pilier en Suisse ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1477\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"region\" aria-labelledby=\"elementor-tab-title-1477\"><p>Vous pouvez <strong>d\u00e9bloquer<\/strong> votre 2\u00e8me pilier en Suisse \u00e0 la retraite ou plus t\u00f4t pour acheter un logement, devenir ind\u00e9pendant ou quitter d\u00e9finitivement le pays.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Comment fonctionne le deuxi\\u00e8me pilier ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Le 2e pilier compl\\u00e8te l\\u2019AVS et permet de maintenir environ <strong>60%<\\\/strong> de revenu ant\\u00e9rieur \\u00e0 la retraite. Il est financ\\u00e9 par des cotisations <strong>partag\\u00e9es<\\\/strong> entre employ\\u00e9 et employeur.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Depuis quand existe le 2\\u00e8me pilier?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Le 2\\u00e8me pilier a \\u00e9t\\u00e9 introduit en Suisse en <strong>1985<\\\/strong> avec l&rsquo;entr\\u00e9e en vigueur de la LPP.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Quel est le montant moyen du 2\\u00e8me pilier en Suisse ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>L&rsquo;avoir moyen de vieillesse LPP en Suisse s&rsquo;\\u00e9l\\u00e8ve \\u00e0 environ <strong>CHF 100&rsquo;000-150&rsquo;000<\\\/strong>, mais varie fortement selon l&rsquo;\\u00e2ge, le salaire et la dur\\u00e9e de cotisation.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Quand peut-on retirer son deuxi\\u00e8me pilier ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>\\u00c0 la <strong>retraite<\\\/strong>, ou plus t\\u00f4t dans <strong>certains cas<\\\/strong>: d\\u00e9part d\\u00e9finitif de Suisse, achat d\\u2019un logement, d\\u00e9but d\\u2019activit\\u00e9 ind\\u00e9pendante ou montant trop faible.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Comment savoir combien j'ai sur mon 2\\u00e8me pilier ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Chaque ann\\u00e9e, votre caisse de pension vous envoie un <strong>certificat de pr\\u00e9voyance<\\\/strong> indiquant votre avoir de pr\\u00e9voyance et les prestations pr\\u00e9vues.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Qui cotise au 2\\u00e8me pilier ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Tous les salari\\u00e9s de <strong>17 ans<\\\/strong> ou plus dont le revenu annuel d\\u00e9passe <strong>CHF 22\\u2019680<\\\/strong> (en 2025). Les ind\\u00e9pendants peuvent s\\u2019y affilier volontairement.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Comment d\\u00e9bloquer son 2eme pilier en Suisse ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Vous pouvez <strong>d\\u00e9bloquer<\\\/strong> votre 2\\u00e8me pilier en Suisse \\u00e0 la retraite ou plus t\\u00f4t pour acheter un logement, devenir ind\\u00e9pendant ou quitter d\\u00e9finitivement le pays.<\\\/p>\"}}]}<\/script>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Le 2\u00e8me pilier, ou pr\u00e9voyance professionnelle (LPP), est un \u00e9l\u00e9ment central du syst\u00e8me de retraite en Suisse. Il compl\u00e8te l\u2019AVS et vise \u00e0 maintenir le niveau de vie apr\u00e8s la retraite. Dans cet article, nous passons en revue les conditions d\u2019affiliation en 2026, les montants de cotisation, les prestations assur\u00e9es, ainsi que les possibilit\u00e9s de rachat, de libre passage ou de retrait anticip\u00e9. Un guide complet pour comprendre et optimiser votre 2\u00e8me pilier.<\/p>\n","protected":false},"author":1,"featured_media":2413,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","footnotes":""},"categories":[30],"tags":[46,34],"class_list":["post-2410","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-prevoyance","tag-2eme-pilier","tag-lpp"],"_links":{"self":[{"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/posts\/2410","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=2410"}],"version-history":[{"count":38,"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/posts\/2410\/revisions"}],"predecessor-version":[{"id":9555,"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/posts\/2410\/revisions\/9555"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/media\/2413"}],"wp:attachment":[{"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/media?parent=2410"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/categories?post=2410"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/tags?post=2410"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}