{"id":2527,"date":"2025-07-02T09:21:29","date_gmt":"2025-07-02T09:21:29","guid":{"rendered":"https:\/\/invexa.ch\/?p=2527"},"modified":"2025-12-04T07:08:02","modified_gmt":"2025-12-04T07:08:02","slug":"certificat-lpp","status":"publish","type":"post","link":"https:\/\/invexa.ch\/fr\/prevoyance\/certificat-lpp\/","title":{"rendered":"Certificat LPP: Le comprendre et l&rsquo;interpr\u00e9ter"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"2527\" class=\"elementor elementor-2527\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b5f4a39 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b5f4a39\" 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-4f65f5e\" data-id=\"4f65f5e\" 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-6ebdf52 elementor-widget elementor-widget-heading\" data-id=\"6ebdf52\" 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\u2019est-ce q'un certificat LPP ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0ddb908 elementor-widget elementor-widget-text-editor\" data-id=\"0ddb908\" 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 certificat LPP, ou certificat de pr\u00e9voyance professionnelle, est un document personnel transmis chaque ann\u00e9e par votre caisse de pension. Il r\u00e9sume l\u2019ensemble de vos droits et de vos avoirs accumul\u00e9s dans le cadre du <a href=\"https:\/\/invexa.ch\/prevoyance\/2eme-pilier\/\">2\u00e8me pilier<\/a>, c\u2019est-\u00e0-dire la pr\u00e9voyance professionnelle en Suisse. Ce certificat joue un r\u00f4le central dans la transparence de votre couverture retraite, mais aussi en cas d&rsquo;invalidit\u00e9 ou de d\u00e9c\u00e8s.<\/p><p>Il contient des donn\u00e9es cl\u00e9s telles que:<\/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-7c0292f elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"7c0292f\" 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\">Votre salaire assur\u00e9 (coordonn\u00e9)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Vos cotisations annuelles<\/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\">L\u2019avoir de vieillesse accumul\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\">Les prestations assur\u00e9es (rente de vieillesse, invalidit\u00e9, d\u00e9c\u00e8s)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Le taux de conversion applicable \u00e0 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-dc734e8 elementor-widget elementor-widget-text-editor\" data-id=\"dc734e8\" 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\tIl sert aussi de r\u00e9f\u00e9rence lors de situations particuli\u00e8res : divorce, rachat de cotisations, changement d\u2019emploi ou d\u00e9part \u00e0 l\u2019\u00e9tranger.\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-7686d71 elementor-widget elementor-widget-gallery\" data-id=\"7686d71\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;gallery_layout&quot;:&quot;masonry&quot;,&quot;columns&quot;:2,&quot;gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:0,&quot;sizes&quot;:[]},&quot;lazyload&quot;:&quot;yes&quot;,&quot;columns_tablet&quot;:2,&quot;columns_mobile&quot;:1,&quot;gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]},&quot;gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]},&quot;link_to&quot;:&quot;file&quot;,&quot;overlay_background&quot;:&quot;yes&quot;,&quot;content_hover_animation&quot;:&quot;fade-in&quot;}\" data-widget_type=\"gallery.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-gallery__container\">\n\t\t\t\t\t\t\t<a class=\"e-gallery-item elementor-gallery-item elementor-animated-content\" href=\"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/07\/Exemple-de-certificat-LPP-suisse-2025.png\" data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"7686d71\" data-elementor-lightbox-title=\"Exemple de certificat LPP suisse 2025\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6MjUzNCwidXJsIjoiaHR0cHM6XC9cL2ludmV4YS5jaFwvd3AtY29udGVudFwvdXBsb2Fkc1wvMjAyNVwvMDdcL0V4ZW1wbGUtZGUtY2VydGlmaWNhdC1MUFAtc3Vpc3NlLTIwMjUucG5nIiwic2xpZGVzaG93IjoiNzY4NmQ3MSJ9\">\n\t\t\t\t\t<div class=\"e-gallery-image elementor-gallery-item__image\" data-thumbnail=\"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/07\/Exemple-de-certificat-LPP-suisse-2025-724x1024.png\" data-width=\"724\" data-height=\"1024\" aria-label=\"\" role=\"img\" ><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-gallery-item__overlay\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<a class=\"e-gallery-item elementor-gallery-item elementor-animated-content\" href=\"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/07\/Exemple-de-certificat-LPP-suisse-20251.png\" data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"7686d71\" data-elementor-lightbox-title=\"Exemple de certificat LPP suisse 2025(1)\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6MjUzNSwidXJsIjoiaHR0cHM6XC9cL2ludmV4YS5jaFwvd3AtY29udGVudFwvdXBsb2Fkc1wvMjAyNVwvMDdcL0V4ZW1wbGUtZGUtY2VydGlmaWNhdC1MUFAtc3Vpc3NlLTIwMjUxLnBuZyIsInNsaWRlc2hvdyI6Ijc2ODZkNzEifQ%3D%3D\">\n\t\t\t\t\t<div class=\"e-gallery-image elementor-gallery-item__image\" data-thumbnail=\"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/07\/Exemple-de-certificat-LPP-suisse-20251-724x1024.png\" data-width=\"724\" data-height=\"1024\" aria-label=\"\" role=\"img\" ><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-gallery-item__overlay\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\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-ab33548 elementor-widget elementor-widget-heading\" data-id=\"ab33548\" 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\">Bases l\u00e9gales du certificat LPP<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-655eb6c elementor-widget elementor-widget-text-editor\" data-id=\"655eb6c\" 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\u2019\u00e9tablissement et la transmission du certificat LPP sont pr\u00e9vus par la Loi f\u00e9d\u00e9rale sur la pr\u00e9voyance professionnelle vieillesse, survivants et invalidit\u00e9 (LPP), ainsi que par son ordonnance d\u2019application OPP2.<\/p><p>Selon l\u2019<strong>article 11 OPP2<\/strong>, toute institution de pr\u00e9voyance doit tenir un compte de vieillesse individuel et informer chaque ann\u00e9e l\u2019assur\u00e9 des \u00e9l\u00e9ments suivants:<\/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-2c23696 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"2c23696\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Montant de l\u2019avoir de vieillesse<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Salaire coordonn\u00e9<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Taux de cotisation<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Droits aux prestations en cas de retraite, d\u00e9c\u00e8s ou invalidit\u00e9<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fa6b471 elementor-widget elementor-widget-text-editor\" data-id=\"fa6b471\" 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 personne assur\u00e9e dans une caisse de pension, donc tout salari\u00e9 dont le revenu d\u00e9passe le <strong>seuil LPP annuel<\/strong> (CHF 22&rsquo;680 en 2025) re\u00e7oit un certificat LPP au moins <strong data-start=\"1890\" data-end=\"1918\">une fois par an<\/strong>, en g\u00e9n\u00e9ral au d\u00e9but de l\u2019ann\u00e9e ou apr\u00e8s la cl\u00f4ture comptable de l\u2019exercice pr\u00e9c\u00e9dent.<\/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-266ef4b elementor-widget elementor-widget-heading\" data-id=\"266ef4b\" 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 lire un certificat LPP ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-57284b4 elementor-widget elementor-widget-text-editor\" data-id=\"57284b4\" 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 certificat LPP contient des informations essentielles sur votre situation de pr\u00e9voyance professionnelle. Voici comment d\u00e9chiffrer les \u00e9l\u00e9ments principaux:<\/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-84a698f elementor-widget elementor-widget-heading\" data-id=\"84a698f\" 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\">Informations personnelles<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d547480 elementor-widget elementor-widget-text-editor\" data-id=\"d547480\" 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\tEn haut du certificat figurent vos informations personnelles. Il est essentiel de s\u2019assurer que ces donn\u00e9es sont exactes, car elles conditionnent la bonne affiliation \u00e0 la caisse et la tra\u00e7abilit\u00e9 de vos avoirs. Vous trouverez votre nom, pr\u00e9nom, date de naissance, num\u00e9ro AVS, date d&rsquo;affiliation \u00e0 la caisse de pension, \u00e9tat civil, etc.\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-6c0c696 elementor-blockquote--skin-border elementor-widget elementor-widget-blockquote\" data-id=\"6c0c696\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"blockquote.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<blockquote class=\"elementor-blockquote\">\n\t\t\t<p class=\"elementor-blockquote__content\">\n\t\t\t\tV\u00e9rifiez bien la date d\u2019affiliation: elle doit correspondre \u00e0 la date \u00e0 laquelle vous avez commenc\u00e9 chez votre employeur actuel ou \u00e0 celle du changement de caisse.\n\nUne erreur sur ces \u00e9l\u00e9ments peut entra\u00eener des complications en cas de transfert, rachat, divorce ou demande de prestations.\t\t\t<\/p>\n\t\t\t\t\t<\/blockquote>\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-75de816 elementor-widget elementor-widget-image\" data-id=\"75de816\" 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=\"302\" src=\"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/07\/Informations-personnelles-du-certificat-LPP-1024x386.png\" class=\"attachment-large size-large wp-image-2538\" alt=\"\" srcset=\"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/07\/Informations-personnelles-du-certificat-LPP-1024x386.png 1024w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/07\/Informations-personnelles-du-certificat-LPP-300x113.png 300w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/07\/Informations-personnelles-du-certificat-LPP-768x290.png 768w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/07\/Informations-personnelles-du-certificat-LPP-18x7.png 18w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/07\/Informations-personnelles-du-certificat-LPP.png 1127w\" 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-cc3e4ae elementor-widget elementor-widget-heading\" data-id=\"cc3e4ae\" 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. Informations sur le salaire<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ebeb94f elementor-widget elementor-widget-text-editor\" data-id=\"ebeb94f\" 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 certificat LPP indique les \u00e9l\u00e9ments de salaire pris en compte par la caisse de pension pour le calcul de vos prestations. On y trouve g\u00e9n\u00e9ralement deux lignes importantes: le <strong>salaire effectif (AVS)<\/strong> (selon votre contrat de travail) et le <strong>salaire assur\u00e9<\/strong>, apr\u00e8s application de la d\u00e9duction de coordination.<\/p><p>Dans notre exemple ci-dessous, le salaire total correspond \u00e0 votre <strong data-start=\"645\" data-end=\"672\">salaire AVS annuel brut<\/strong> d\u00e9clar\u00e9 par l\u2019employeur. Il inclut tous les \u00e9l\u00e9ments soumis \u00e0 cotisation AVS (salaire fixe, variable, bonus, etc.).<\/p><p>Le <strong data-start=\"1078\" data-end=\"1103\">salaire annuel assur\u00e9<\/strong> est la base sur laquelle vos cotisations et vos prestations sont calcul\u00e9es. En 2025, le calcul se fait selon les r\u00e8gles suivantes:<\/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-6995f2f elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"6995f2f\" 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\"><b>Salaire AVS<\/b> (CHF 102'000 mais max: 90'720) \u2013 <b>d\u00e9duction de coordination<\/b> (CHF 26'460) = <b>CHF 75'540<\/b><\/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<span class=\"elementor-icon-list-text\"> Mais comme le plafond du salaire coordonn\u00e9 est CHF 64'260, c\u2019est ce montant qui est retenu.<\/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-8249310 elementor-widget elementor-widget-image\" data-id=\"8249310\" 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 decoding=\"async\" width=\"800\" height=\"230\" src=\"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/07\/Informations-sur-le-salaire-du-certificat-LPP-1024x295.png\" class=\"attachment-large size-large wp-image-2539\" alt=\"Informations sur le salaire du certificat LPP\" srcset=\"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/07\/Informations-sur-le-salaire-du-certificat-LPP-1024x295.png 1024w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/07\/Informations-sur-le-salaire-du-certificat-LPP-300x86.png 300w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/07\/Informations-sur-le-salaire-du-certificat-LPP-768x221.png 768w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/07\/Informations-sur-le-salaire-du-certificat-LPP-18x5.png 18w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/07\/Informations-sur-le-salaire-du-certificat-LPP.png 1102w\" 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-8427f01 elementor-widget elementor-widget-heading\" data-id=\"8427f01\" 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. Financement<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-15de394 elementor-widget elementor-widget-text-editor\" data-id=\"15de394\" 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>Votre certificat LPP pr\u00e9sente en d\u00e9tail comment votre pr\u00e9voyance est financ\u00e9e. Ces cotisations servent \u00e0 constituer votre <strong>capital vieillesse<\/strong>, mais aussi \u00e0 vous assurer en cas d\u2019<strong>invalidit\u00e9<\/strong> ou de <strong>d\u00e9c\u00e8s<\/strong>.<\/p><p>Les 3 composantes des cotisations:<\/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-57454fc elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"57454fc\" 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\"><b>Prime d'\u00e9pargne (bonification de vieillesse):<\/b> c\u2019est la part destin\u00e9e \u00e0 votre retraite.<\/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\"><b>Prime de risque:<\/b> elle couvre les prestations en cas d\u2019incapacit\u00e9 de travail ou de d\u00e9c\u00e8s.<\/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\"><b>Frais administratifs:<\/b> li\u00e9s \u00e0 la gestion de votre compte.<\/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-6cb1d50 elementor-widget elementor-widget-text-editor\" data-id=\"6cb1d50\" 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 sont partag\u00e9es entre vous et votre employeur. La loi impose deux r\u00e8gles minimales o\u00f9 le total de la <a href=\"https:\/\/invexa.ch\/fr\/prevoyance\/2eme-pilier\/#bonifications-vieillesse-lpp\">cotisation \u00e9pargne (bonifications vieillesse)<\/a> d\u00e9pend de votre tranche d\u2019\u00e2ge (par ex. 10\u202f% \u00e0 partir de 35 ans), et l&#8217;employeur doit cotiser au moins autant que l\u2019employ\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-0ad71b9 elementor-widget elementor-widget-image\" data-id=\"0ad71b9\" 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 decoding=\"async\" width=\"800\" height=\"149\" src=\"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/07\/Financement-dans-le-certificat-LPP-1024x191.png\" class=\"attachment-large size-large wp-image-2543\" alt=\"Financement dans le certificat LPP\" srcset=\"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/07\/Financement-dans-le-certificat-LPP-1024x191.png 1024w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/07\/Financement-dans-le-certificat-LPP-300x56.png 300w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/07\/Financement-dans-le-certificat-LPP-768x143.png 768w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/07\/Financement-dans-le-certificat-LPP-18x3.png 18w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/07\/Financement-dans-le-certificat-LPP.png 1032w\" 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-bc056c4 elementor-widget elementor-widget-heading\" data-id=\"bc056c4\" 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. Avoir de vieillesse<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-060f5e4 elementor-widget elementor-widget-text-editor\" data-id=\"060f5e4\" 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 de vieillesse correspond \u00e0 l\u2019\u00e9pargne accumul\u00e9e dans votre caisse de pension pour financer votre retraite. On distingue l&rsquo;avoir de vieillesse actuel et l&rsquo;avoir de vieillesse projet\u00e9 (\u00e0 l&rsquo;\u00e2ge de r\u00e9f\u00e9rence). Il se compose principalement:<\/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-34362c5 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"34362c5\" 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\">Des <b>bonifications de vieillesse<\/b> vers\u00e9es chaque ann\u00e9e (en pourcentage du salaire assur\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\">Des<b> int\u00e9r\u00eats cr\u00e9dit\u00e9s<\/b> selon le rendement de la caisse,<\/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\">Et, le cas \u00e9ch\u00e9ant, des <b>rachats ou transferts<\/b> de libre passage.<\/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-c2ff2ed elementor-widget elementor-widget-text-editor\" data-id=\"c2ff2ed\" 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 est g\u00e9n\u00e9ralement divis\u00e9 en deux parties:<\/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-09720fd elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"09720fd\" 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\"><b>Part LPP (obligatoire):<\/b> strictement conforme \u00e0 la loi, avec des taux de cotisation et d\u2019int\u00e9r\u00eat minimaux.<\/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\"><b>Part surobligatoire:<\/b> li\u00e9e aux conditions plus g\u00e9n\u00e9reuses fix\u00e9es par certaines caisses ou employeurs (cotisations plus \u00e9lev\u00e9es, couverture sur un salaire plus important, etc.).<\/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-5ae4715 elementor-widget elementor-widget-image\" data-id=\"5ae4715\" 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 loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"181\" src=\"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/07\/3.-Avoir-de-vieillesse.png\" class=\"attachment-large size-large wp-image-2545\" alt=\"3. Avoir de vieillesse\" srcset=\"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/07\/3.-Avoir-de-vieillesse.png 1025w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/07\/3.-Avoir-de-vieillesse-300x68.png 300w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/07\/3.-Avoir-de-vieillesse-768x174.png 768w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/07\/3.-Avoir-de-vieillesse-18x4.png 18w\" 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-13fdb18 elementor-widget elementor-widget-heading\" data-id=\"13fdb18\" 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. Prestations de vieillesse<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-437e4c5 elementor-widget elementor-widget-text-editor\" data-id=\"437e4c5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Les <strong>prestations de vieillesse<\/strong> correspondent \u00e0 la rente que vous percevrez \u00e0 la retraite, calcul\u00e9e sur la base de votre avoir de vieillesse au moment du d\u00e9part. Le certificat vous indique g\u00e9n\u00e9ralement plusieurs sc\u00e9narios selon l\u2019\u00e2ge auquel vous d\u00e9cidez de partir \u00e0 la retraite. La plupart du temps, il est possible de prendre une <a href=\"https:\/\/invexa.ch\/prevoyance\/retraite-anticipee-en-suisse-comment-bien-se-preparer\/\">retraite anticip\u00e9e<\/a> d\u00e8s <strong>58 ans<\/strong> (selon le r\u00e8glement de la caisse).<\/p><p>Plus vous partez t\u00f4t, plus la rente et le capital sont r\u00e9duits, car l&rsquo;avoir de vieillesse sera moins \u00e9lev\u00e9 (moins d\u2019ann\u00e9es de cotisation), le taux de conversion appliqu\u00e9 est plus bas, et la rente devra \u00eatre vers\u00e9e pendant plus longtemps. Le taux de conversion minimal s\u2019\u00e9l\u00e8ve \u00e0<strong> 6.8 %<\/strong> \u00e0 l\u2019\u00e2ge de r\u00e9f\u00e9rence de 65 ans pour les hommes et les femmes.<\/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-efc8747 elementor-widget elementor-widget-image\" data-id=\"efc8747\" 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 loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"321\" src=\"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/07\/4.-Prestations-de-vieillesse.png\" class=\"attachment-large size-large wp-image-2546\" alt=\"\" srcset=\"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/07\/4.-Prestations-de-vieillesse.png 1023w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/07\/4.-Prestations-de-vieillesse-300x121.png 300w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/07\/4.-Prestations-de-vieillesse-768x309.png 768w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/07\/4.-Prestations-de-vieillesse-18x7.png 18w\" 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-c04ff0e elementor-widget elementor-widget-heading\" data-id=\"c04ff0e\" 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. Prestations d'invalidit\u00e9<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fd2ab81 elementor-widget elementor-widget-text-editor\" data-id=\"fd2ab81\" 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 d\u2019invalidit\u00e9 durable, votre caisse de pension vous verse une <strong>rente d\u2019invalidit\u00e9<\/strong> en compl\u00e9ment \u00e0 la <strong>rente AI<\/strong> (Assurance invalidit\u00e9). Ces prestations visent \u00e0 compenser une perte de revenu si vous devenez incapable de travailler \u00e0 long terme en cas de <strong>maladie<\/strong> (la <strong>LAA<\/strong> fournit les rentes en cas d&rsquo;incapacit\u00e9 de gain suite \u00e0 un accident assur\u00e9).<\/p><p>Ce que couvre la LPP en cas d\u2019invalidit\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-c0549d2 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"c0549d2\" 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\"><b>Rente annuelle d\u2019invalidit\u00e9:<\/b> Elle vous est vers\u00e9e apr\u00e8s un d\u00e9lai d\u2019attente de 24 mois d\u2019incapacit\u00e9 de travail. Le montant d\u00e9pend de votre avoir de vieillesse et du degr\u00e9 d\u2019invalidit\u00e9 reconnu (au moins 40 % selon la 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\"><b>Rente pour enfant d\u2019invalide:<\/b> Si vous avez des enfants, une rente suppl\u00e9mentaire est vers\u00e9e pour chacun jusqu\u2019\u00e0 l\u2019\u00e2ge de 18 ans (ou 25 ans s\u2019ils \u00e9tudient). Elle correspond g\u00e9n\u00e9ralement \u00e0 20 % de la rente d\u2019invalidit\u00e9 principale.<\/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\"><b>Lib\u00e9ration du paiement des primes:<\/b> En cas d\u2019incapacit\u00e9, votre peut caisse prendre en charge vos cotisations (\u00e9pargne + risque). Cela permet de continuer \u00e0 constituer votre capital retraite sans interruption.<\/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-d8e9fea elementor-widget elementor-widget-image\" data-id=\"d8e9fea\" 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 loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"150\" src=\"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/07\/5.-Prestations-dinvalidite.png\" class=\"attachment-large size-large wp-image-2547\" alt=\"\" srcset=\"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/07\/5.-Prestations-dinvalidite.png 1013w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/07\/5.-Prestations-dinvalidite-300x56.png 300w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/07\/5.-Prestations-dinvalidite-768x144.png 768w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/07\/5.-Prestations-dinvalidite-18x3.png 18w\" 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-3c0efe1 elementor-widget elementor-widget-heading\" data-id=\"3c0efe1\" 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\">6. Prestations de d\u00e9c\u00e8s avant 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-79af397 elementor-widget elementor-widget-text-editor\" data-id=\"79af397\" 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 d\u00e9c\u00e9dez avant l\u2019\u00e2ge de la retraite, votre caisse de pension pr\u00e9voit des prestations pour <strong>prot\u00e9ger vos proches<\/strong>. Ces prestations varient selon votre situation familiale et les conditions d\u00e9finies dans le r\u00e8glement de la caisse.<\/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-e68f204 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"e68f204\" 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\"><b>Rente de conjoint ou de partenaire:<\/b> Une rente annuelle est vers\u00e9e \u00e0 votre conjoint\u00b7e ou partenaire enregistr\u00e9\u00b7e s\u2019il ou elle remplit les conditions (\u00e2ge, enfants \u00e0 charge, dur\u00e9e de vie commune, etc.).  Le montant correspond \u00e0 <b>60\u202f%<\/b> de votre rente d\u2019invalidit\u00e9 th\u00e9orique.<\/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\"><b>Rente d\u2019orphelin:<\/b> Chaque enfant a droit \u00e0 une rente d\u2019orphelin, vers\u00e9e jusqu\u2019\u00e0 18 ans (ou 25 ans s\u2019il est en formation).  Cette rente repr\u00e9sente 20\u202f% de la rente d\u2019invalidit\u00e9 assur\u00e9e.<\/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\"><b>Capital de d\u00e9c\u00e8s:<\/b> Si aucune condition n\u2019est remplie pour une rente de survivant, un capital d\u00e9c\u00e8s est vers\u00e9.  Ce capital correspond en principe \u00e0 trois fois la rente annuelle de veuf\/veuve assur\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<div class=\"elementor-element elementor-element-46c380c elementor-blockquote--skin-border elementor-widget elementor-widget-blockquote\" data-id=\"46c380c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"blockquote.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<blockquote class=\"elementor-blockquote\">\n\t\t\t<p class=\"elementor-blockquote__content\">\n\t\t\t\tLa d\u00e9finition de \"partenaire\" varie selon les caisses. Il peut s\u2019agir d\u2019un\u00b7e partenaire enregistr\u00e9\u00b7e ou d\u2019un\u00b7e concubin\u00b7e si la vie commune est prouv\u00e9e.\t\t\t<\/p>\n\t\t\t\t\t<\/blockquote>\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-b5909cd elementor-widget elementor-widget-image\" data-id=\"b5909cd\" 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 loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"154\" src=\"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/07\/6.-Prestations-de-deces-avant-la-retraite.png\" class=\"attachment-large size-large wp-image-2548\" alt=\"\" srcset=\"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/07\/6.-Prestations-de-deces-avant-la-retraite.png 1013w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/07\/6.-Prestations-de-deces-avant-la-retraite-300x58.png 300w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/07\/6.-Prestations-de-deces-avant-la-retraite-768x148.png 768w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/07\/6.-Prestations-de-deces-avant-la-retraite-18x3.png 18w\" 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-5d91c68 elementor-widget elementor-widget-heading\" data-id=\"5d91c68\" 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\">7. Propri\u00e9t\u00e9 du logement (EPL)<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-046e8e2 elementor-widget elementor-widget-text-editor\" data-id=\"046e8e2\" 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 peut \u00eatre utilis\u00e9 pour financer l\u2019achat d\u2019un logement principal. Ce m\u00e9canisme s\u2019appelle <strong>Encouragement \u00e0 la propri\u00e9t\u00e9 du logement (EPL)<\/strong>. Il permet soit de <a href=\"https:\/\/invexa.ch\/prevoyance\/retirer-son-2eme-pilier-en-capital-tout-ce-que-vous-devez-savoir\/\">retirer une partie de votre avoir de vieillesse<\/a>, soit de le mettre en gage pour garantir un pr\u00eat hypoth\u00e9caire.<\/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-a77c015 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"a77c015\" 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\"><b>Versement anticip\u00e9 (EPL):<\/b> Le montant maximal que vous pouvez retirer est indiqu\u00e9 dans votre certificat.  Ce retrait est soumis \u00e0 des conditions strictes et destin\u00e9 uniquement \u00e0 l'acquisition d'un logement principal.<\/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\"><b>Mise en gage:<\/b> Vous pouvez mettre en gage votre avoir LPP ou vos prestations futures (rente, capital).  Cela vous permet de renforcer votre dossier pour obtenir une hypoth\u00e8que, sans r\u00e9duire imm\u00e9diatement votre capital, qui continuera de fructifier.<\/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-b7f2923 elementor-widget elementor-widget-text-editor\" data-id=\"b7f2923\" 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 certificat indique \u00e9galement les \u00e9ventuels retraits EPL d\u00e9j\u00e0 effectu\u00e9s, ainsi que les prestations mises en gage le cas \u00e9ch\u00e9ant.<\/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-26d8b56 elementor-widget elementor-widget-image\" data-id=\"26d8b56\" 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 loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"154\" src=\"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/07\/7.-Propriete-du-logement-EPL.png\" class=\"attachment-large size-large wp-image-2549\" alt=\"7. Propri\u00e9t\u00e9 du logement (EPL)\" srcset=\"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/07\/7.-Propriete-du-logement-EPL.png 1022w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/07\/7.-Propriete-du-logement-EPL-300x58.png 300w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/07\/7.-Propriete-du-logement-EPL-768x148.png 768w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/07\/7.-Propriete-du-logement-EPL-18x3.png 18w\" 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-76a0f1c elementor-widget elementor-widget-heading\" data-id=\"76a0f1c\" 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\">8. Rachats et remboursements<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cd873ef elementor-widget elementor-widget-text-editor\" data-id=\"cd873ef\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Le <a href=\"https:\/\/invexa.ch\/prevoyance\/rachat-2eme-pilier-comment-ca-marche\/\">rachat dans la caisse de pension<\/a> permet de combler des lacunes de pr\u00e9voyance et d\u2019augmenter votre avoir de vieillesse. C\u2019est une d\u00e9marche volontaire, <b>fiscalement avantageuse<\/b> car enti\u00e8rement d\u00e9ductible, qui peut am\u00e9liorer sensiblement votre future rente.<\/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-4ed8e39 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"4ed8e39\" 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\"><b>Montant maximal de rachat:<\/b> Le certificat indique le montant maximal que vous pouvez racheter. Ce montant d\u00e9pend de votre \u00e2ge, de votre salaire assur\u00e9 et de votre parcours professionnel (p\u00e9riodes sans affiliation, passages \u00e0 temps partiel, etc.).<\/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\"><b>Rachats d\u00e9j\u00e0 effectu\u00e9s:<\/b> La rubrique \"Rachats d\u00e9j\u00e0 effectu\u00e9s\" montre les montants que vous avez d\u00e9j\u00e0 vers\u00e9s volontairement dans le 2\u00e8me pilier.  Ces montants portent int\u00e9r\u00eat et augmentent directement votre capital de 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-8e12bd3 elementor-blockquote--skin-border elementor-widget elementor-widget-blockquote\" data-id=\"8e12bd3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"blockquote.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<blockquote class=\"elementor-blockquote\">\n\t\t\t<p class=\"elementor-blockquote__content\">\n\t\t\t\tSi vous effectuez un rachat, vous ne pourrez pas retirer les fonds pendant sans sans \u00eatre p\u00e9nalis\u00e9 fiscalement. De plus, vous devrez d'abord rembourser le montant retir\u00e9 avant d'effectuer un rachat.\t\t\t<\/p>\n\t\t\t\t\t<\/blockquote>\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-0370547 elementor-widget elementor-widget-heading\" data-id=\"0370547\" 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-94400af elementor-widget elementor-widget-text-editor\" data-id=\"94400af\" 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>Comprendre son certificat LPP, c\u2019est reprendre le contr\u00f4le sur une partie essentielle de sa pr\u00e9voyance. Trop souvent rel\u00e9gu\u00e9 au rang de simple papier administratif, il contient pourtant les cl\u00e9s de votre avenir: ce que vous avez d\u00e9j\u00e0 \u00e9pargn\u00e9, ce que vous toucherez demain, ce qui arrivera \u00e0 vos proches si la vie vous surprend. Il refl\u00e8te aussi les engagements de votre employeur, la qualit\u00e9 de votre plan de pr\u00e9voyance, et les marges de man\u0153uvre dont vous disposez pour am\u00e9liorer votre situation.<\/p><p>Chaque chiffre, chaque ligne a son importance. Un montant de rachat non utilis\u00e9, une rente sous-estim\u00e9e, un taux de conversion \u00e0 surveiller: tout cela peut faire la diff\u00e9rence entre une retraite subie et une retraite choisie<\/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-2ca0f69 elementor-widget elementor-widget-heading\" data-id=\"2ca0f69\" 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-dc4165a elementor-widget elementor-widget-toggle\" data-id=\"dc4165a\" 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-2301\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-2301\" 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\">O\u00f9 trouver son certificat LPP ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2301\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-2301\"><p>Le certificat LPP vous est envoy\u00e9 <strong>chaque ann\u00e9e<\/strong> par votre caisse de pension, g\u00e9n\u00e9ralement au d\u00e9but de l\u2019ann\u00e9e ou apr\u00e8s la cl\u00f4ture de l\u2019exercice comptable. Il peut \u00eatre transmis par <strong>courrier<\/strong> ou <strong>e-mail<\/strong>.<\/p><p>La plupart des caisses de pension proposent d\u00e9sormais l&rsquo;acc\u00e8s \u00e0 un <strong>espace client<\/strong> dans lequel se trouve votre certificat de pr\u00e9voyance.<\/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-2302\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-2302\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Qu\u2019est-ce que la LPP ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2302\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-2302\"><p>La LPP est la <strong>Loi f\u00e9d\u00e9rale sur la pr\u00e9voyance professionnelle<\/strong>. Elle constitue le socle l\u00e9gal du 2\u00e8me pilier en Suisse. Son objectif est d\u2019assurer, en compl\u00e9ment de l\u2019AVS (1er pilier), un niveau de vie d\u00e9cent apr\u00e8s la retraite ou en cas de d\u00e9c\u00e8s ou d\u2019invalidit\u00e9. Toute personne salari\u00e9e en Suisse avec un revenu sup\u00e9rieur \u00e0 <strong>CHF 22&rsquo;680 par an<\/strong> est affili\u00e9e \u00e0 un r\u00e9gime 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-2303\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-2303\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Que faire en cas d\u2019erreur sur mon certificat LPP ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2303\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-2303\"><p>Si vous constatez une erreur (salaire incorrect, donn\u00e9es personnelles inexactes, oublis de cotisations), <strong>contactez<\/strong> imm\u00e9diatement votre <strong>employeur<\/strong> ou votre <strong>caisse de pension<\/strong>. Il est important de corriger ces \u00e9l\u00e9ments rapidement, car ils ont un impact direct sur vos prestations futures.<\/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-2304\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-2304\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Peut-on retirer l\u2019argent du 2\u00e8me pilier avant la retraite ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2304\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-2304\"><p>Oui, mais uniquement dans certains cas sp\u00e9cifiques :<\/p><ul><li>Achat d\u2019un logement principal (EPL)<\/li><li>D\u00e9part d\u00e9finitif de Suisse<\/li><li>Passage \u00e0 une activit\u00e9 ind\u00e9pendante<\/li><li>Invalidit\u00e9 totale<\/li><li>Petits montants (avoir trop faible pour g\u00e9n\u00e9rer une rente)<\/li><\/ul><p>Tout retrait anticip\u00e9 r\u00e9duit vos futures prestations de retraite.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2305\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-2305\" 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\">\u00c0 quoi sert un rachat LPP ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2305\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-2305\"><p>Un rachat vous permet de <strong>combler des lacunes<\/strong> dans votre pr\u00e9voyance et d\u2019augmenter votre future rente. Il est d\u00e9ductible du revenu imposable, ce qui en fait aussi un outil d\u2019optimisation fiscale. Le montant maximal de rachat est indiqu\u00e9 chaque ann\u00e9e sur votre certificat.<\/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\":\"O\\u00f9 trouver son certificat LPP ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Le certificat LPP vous est envoy\\u00e9 <strong>chaque ann\\u00e9e<\\\/strong> par votre caisse de pension, g\\u00e9n\\u00e9ralement au d\\u00e9but de l\\u2019ann\\u00e9e ou apr\\u00e8s la cl\\u00f4ture de l\\u2019exercice comptable. Il peut \\u00eatre transmis par <strong>courrier<\\\/strong> ou <strong>e-mail<\\\/strong>.<\\\/p><p>La plupart des caisses de pension proposent d\\u00e9sormais l&rsquo;acc\\u00e8s \\u00e0 un <strong>espace client<\\\/strong> dans lequel se trouve votre certificat de pr\\u00e9voyance.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Qu\\u2019est-ce que la LPP ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>La LPP est la <strong>Loi f\\u00e9d\\u00e9rale sur la pr\\u00e9voyance professionnelle<\\\/strong>. Elle constitue le socle l\\u00e9gal du 2\\u00e8me pilier en Suisse. Son objectif est d\\u2019assurer, en compl\\u00e9ment de l\\u2019AVS (1er pilier), un niveau de vie d\\u00e9cent apr\\u00e8s la retraite ou en cas de d\\u00e9c\\u00e8s ou d\\u2019invalidit\\u00e9. Toute personne salari\\u00e9e en Suisse avec un revenu sup\\u00e9rieur \\u00e0 <strong>CHF 22&rsquo;680 par an<\\\/strong> est affili\\u00e9e \\u00e0 un r\\u00e9gime LPP.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Que faire en cas d\\u2019erreur sur mon certificat LPP ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Si vous constatez une erreur (salaire incorrect, donn\\u00e9es personnelles inexactes, oublis de cotisations), <strong>contactez<\\\/strong> imm\\u00e9diatement votre <strong>employeur<\\\/strong> ou votre <strong>caisse de pension<\\\/strong>. Il est important de corriger ces \\u00e9l\\u00e9ments rapidement, car ils ont un impact direct sur vos prestations futures.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Peut-on retirer l\\u2019argent du 2\\u00e8me pilier avant la retraite ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Oui, mais uniquement dans certains cas sp\\u00e9cifiques :<\\\/p><ul><li>Achat d\\u2019un logement principal (EPL)<\\\/li><li>D\\u00e9part d\\u00e9finitif de Suisse<\\\/li><li>Passage \\u00e0 une activit\\u00e9 ind\\u00e9pendante<\\\/li><li>Invalidit\\u00e9 totale<\\\/li><li>Petits montants (avoir trop faible pour g\\u00e9n\\u00e9rer une rente)<\\\/li><\\\/ul><p>Tout retrait anticip\\u00e9 r\\u00e9duit vos futures prestations de retraite.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"\\u00c0 quoi sert un rachat LPP ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Un rachat vous permet de <strong>combler des lacunes<\\\/strong> dans votre pr\\u00e9voyance et d\\u2019augmenter votre future rente. Il est d\\u00e9ductible du revenu imposable, ce qui en fait aussi un outil d\\u2019optimisation fiscale. Le montant maximal de rachat est indiqu\\u00e9 chaque ann\\u00e9e sur votre certificat.<\\\/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 certificat LPP, aussi appel\u00e9 certificat de pr\u00e9voyance, est un document indispensable pour toute personne affili\u00e9e au 2\u00e8me pilier en Suisse. Transmis chaque ann\u00e9e par votre caisse de pension, il r\u00e9capitule l\u2019\u00e9tat de votre pr\u00e9voyance professionnelle: cotisations, prestations en cas de retraite, d\u2019invalidit\u00e9 ou de d\u00e9c\u00e8s. Dans cet article, nous vous guidons pour lire, comprendre et exploiter pleinement les informations essentielles de votre certificat LPP.<\/p>\n","protected":false},"author":1,"featured_media":2530,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","footnotes":""},"categories":[30],"tags":[46,34],"class_list":["post-2527","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\/2527","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=2527"}],"version-history":[{"count":6,"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/posts\/2527\/revisions"}],"predecessor-version":[{"id":6289,"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/posts\/2527\/revisions\/6289"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/media\/2530"}],"wp:attachment":[{"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/media?parent=2527"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/categories?post=2527"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/tags?post=2527"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}