{"id":2560,"date":"2025-07-07T08:46:31","date_gmt":"2025-07-07T08:46:31","guid":{"rendered":"https:\/\/invexa.ch\/?p=2560"},"modified":"2026-02-27T12:13:15","modified_gmt":"2026-02-27T12:13:15","slug":"retour-en-suisse-apres-avoir-retire-son-2eme-pilier","status":"publish","type":"post","link":"https:\/\/invexa.ch\/fr\/prevoyance\/retour-en-suisse-apres-avoir-retire-son-2eme-pilier\/","title":{"rendered":"Retour en Suisse apres avoir retir\u00e9 son 2\u00e8me pilier"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"2560\" class=\"elementor elementor-2560\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e6440eb elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e6440eb\" 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-eb204d3\" data-id=\"eb204d3\" 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-657451b elementor-widget elementor-widget-heading\" data-id=\"657451b\" 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-a03fbd4 elementor-widget elementor-widget-text-editor\" data-id=\"a03fbd4\" 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\/2eme-pilier\/\"><strong>2\u00e8me pilier<\/strong><\/a>, 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><p>Les prestations du 2\u00e8me pilier peuvent \u00eatre per\u00e7ues au plus t\u00f4t \u00e0 58 ans, dans le cadre d&rsquo;une <a href=\"https:\/\/invexa.ch\/prevoyance\/retraite-anticipee-en-suisse-comment-bien-se-preparer\/\">retraite anticip\u00e9e<\/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-220dbd3 elementor-widget elementor-widget-image\" data-id=\"220dbd3\" 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-26b2e19 elementor-widget elementor-widget-heading\" data-id=\"26b2e19\" 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\">Retrait du 2\u00e8me pilier lors d'un d\u00e9part<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b302631 elementor-widget elementor-widget-heading\" data-id=\"b302631\" 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\">Conditions de retrait<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a525243 elementor-widget elementor-widget-text-editor\" data-id=\"a525243\" 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>Lorsqu\u2019un assur\u00e9 <strong>quitte d\u00e9finitivement<\/strong> la Suisse, il peut demander le versement en esp\u00e8ces de son avoir de libre passage du <strong>2\u00e8me pilier<\/strong>, \u00e0 <a href=\"https:\/\/invexa.ch\/prevoyance\/conditions-retrait-2eme-pilier-suisse\/\">condition<\/a> d\u2019en apporter la preuve (attestation de d\u00e9part d\u00e9finitif d\u00e9livr\u00e9e par le contr\u00f4le des habitants, radiation du registre AVS, etc.). Ce retrait anticip\u00e9 est soumis \u00e0 un imp\u00f4t r\u00e9duit, s\u00e9par\u00e9ment du revenu, et le consentement \u00e9crit du conjoint ou du partenaire enregistr\u00e9 est obligatoire.<\/p><p>Depuis l\u2019entr\u00e9e en vigueur de l\u2019accord sur la libre circulation des personnes entre la Suisse et l\u2019UE, le retrait en esp\u00e8ces de la part obligatoire LPP n\u2019est <strong data-start=\"1917\" data-end=\"1934\">plus possible<\/strong> si la personne s\u2019installe dans un pays membre de l\u2019<strong>UE ou AELE<\/strong> et qu\u2019elle y est soumise \u00e0 un r\u00e9gime de s\u00e9curit\u00e9 sociale \u00e9quivalent (assurance vieillesse, invalidit\u00e9 et d\u00e9c\u00e8s).<\/p><p>Dans ce cas :<\/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-6cf152f elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"6cf152f\" 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\">Seule la <b>part surobligatoire<\/b> peut \u00eatre retir\u00e9e en esp\u00e8ces.<\/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\">La <b>part obligatoire<\/b> doit rester sur un compte ou une police de libre passage en Suisse jusqu\u2019\u00e0 l\u2019\u00e2ge l\u00e9gal de la retraite ou jusqu\u2019\u00e0 un cas de pr\u00e9voyance (invalidit\u00e9 ou d\u00e9c\u00e8s).<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-606f86f elementor-widget elementor-widget-text-editor\" data-id=\"606f86f\" 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\tCette r\u00e8gle vise \u00e0 \u00e9viter un double b\u00e9n\u00e9fice des syst\u00e8mes de retraite, et \u00e0 garantir que les fonds LPP soient r\u00e9ellement affect\u00e9s \u00e0 la pr\u00e9voyance.\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-b4b9a3c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b4b9a3c\" 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-db8ccd1\" data-id=\"db8ccd1\" 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-4b52e90 elementor-widget elementor-widget-heading\" data-id=\"4b52e90\" 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\">Part surobligatoire et part obligatoire LPP<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-54763ee elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"54763ee\" 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 obligatoire LPP: <\/b>c\u2019est le minimum l\u00e9gal pr\u00e9vu par la loi f\u00e9d\u00e9rale sur la pr\u00e9voyance professionnelle (LPP). Il correspond \u00e0 la pr\u00e9voyance obligatoire couvrant les salaires coordonn\u00e9s entre 26\u2019460 CHF et 90\u2019720 CHF en 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\"><b>Part surobligatoire:<\/b> correspond \u00e0 tout ce qui d\u00e9passe ce minimum l\u00e9gal. Certaines caisses de pension offrent une couverture plus g\u00e9n\u00e9reuse que celle exig\u00e9e par la loi.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-7b70df8 elementor-widget elementor-widget-heading\" data-id=\"7b70df8\" 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\">Que se passe-t-il lors d\u2019un retour en Suisse ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3ae85f5 elementor-widget elementor-widget-heading\" data-id=\"3ae85f5\" 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\">Si la totalit\u00e9 du 2\u00e8me pilier a \u00e9t\u00e9 retir\u00e9e<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a649f43 elementor-widget elementor-widget-text-editor\" data-id=\"a649f43\" 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>Lorsqu\u2019une personne revient en Suisse apr\u00e8s avoir retir\u00e9 en esp\u00e8ces la <strong>totalit\u00e9<\/strong> de son avoir du 2\u00e8me pilier (y compris la part obligatoire LPP), elle ne dispose plus d\u2019<strong>aucune couverture<\/strong> dans le cadre de la pr\u00e9voyance professionnelle. Elle repart donc de z\u00e9ro: aucun droit \u00e0 une rente LPP ne pourra \u00eatre vers\u00e9 \u00e0 la retraite pour la p\u00e9riode pass\u00e9e \u00e0 l\u2019\u00e9tranger, \u00e0 moins qu\u2019<a href=\"https:\/\/invexa.ch\/prevoyance\/rachat-2eme-pilier-comment-ca-marche\/\">un rachat<\/a> ne soit effectu\u00e9.<\/p><p>Ce cas est fr\u00e9quent chez les personnes parties <strong>hors d\u2019Europe<\/strong> ou celles devenues ind\u00e9pendantes \u00e0 l\u2019\u00e9tranger. L\u2019avoir retir\u00e9 a \u00e9t\u00e9 <strong>soumis \u00e0 l\u2019imp\u00f4t<\/strong>, mais surtout, il n\u2019est pas possible de le r\u00e9int\u00e9grer tel quel dans une caisse suisse \u00e0 son retour. Il faudra envisager un <strong>rachat volontaire<\/strong> pour combler cette lacune.<\/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-f7da540 elementor-widget elementor-widget-heading\" data-id=\"f7da540\" 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\">Reconstitution des droits LPP<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a727439 elementor-widget elementor-widget-text-editor\" data-id=\"a727439\" 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 syst\u00e8me suisse permet aux assur\u00e9s de racheter des ann\u00e9es de pr\u00e9voyance manquantes, y compris celles \u00ab perdues \u00bb \u00e0 la suite d\u2019un retrait lors d\u2019un d\u00e9part \u00e0 l\u2019\u00e9tranger. Ce rachat est consid\u00e9r\u00e9 comme un rachat volontaire, et peut \u00eatre effectu\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-1237b76 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"1237b76\" 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\">d\u00e8s que l\u2019assur\u00e9 est \u00e0 nouveau affili\u00e9 \u00e0 une caisse de pension en 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 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\">dans les limites fix\u00e9es par la caisse, en fonction de l\u2019\u00e2ge, du salaire assur\u00e9 et de la dur\u00e9e de l\u2019affiliation.<\/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-6113514 elementor-widget elementor-widget-text-editor\" data-id=\"6113514\" 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 rachat est enti\u00e8rement d\u00e9ductible du revenu imposable. Le but est de reconstituer l\u2019avoir de vieillesse et les prestations futures (vieillesse, d\u00e9c\u00e8s, invalidit\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-0443f8c elementor-blockquote--skin-border elementor-widget elementor-widget-blockquote\" data-id=\"0443f8c\" 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\tUne p\u00e9riode d\u2019attente de<b> 3 ans <\/b>s\u2019applique avant que les prestations issues du rachat puissent \u00eatre retir\u00e9es sous forme de capital sans p\u00e9nalit\u00e9 fiscale.\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-f58484e elementor-widget elementor-widget-heading\" data-id=\"f58484e\" 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\">Affiliation lors d'une nouvelle activit\u00e9 lucrative<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b2acf8d elementor-widget elementor-widget-text-editor\" data-id=\"b2acf8d\" 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\tLe retour en Suisse implique, dans la majorit\u00e9 des cas, une reprise d\u2019activit\u00e9 professionnelle. Cela enclenche automatiquement une nouvelle affiliation \u00e0 une caisse de pension, \u00e0 condition que:\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-86599f6 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"86599f6\" 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\">l\u2019activit\u00e9 soit salari\u00e9e (non ind\u00e9pendante),<\/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 que le salaire annuel d\u00e9passe le seuil LPP de <b>22\u2019680 CHF<\/b> en 2025.<\/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-d3229a4 elementor-widget elementor-widget-text-editor\" data-id=\"d3229a4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>D\u00e8s l\u2019entr\u00e9e en fonction, l\u2019employeur est tenu d\u2019affilier le salari\u00e9 \u00e0 sa caisse de pension. Le nouvel assur\u00e9 recommence ainsi \u00e0 cotiser au 2\u00e8me pilier, pour financer ses futures prestations de vieillesse, d\u2019invalidit\u00e9 et de survivants.<\/p><p>En cas de travail \u00e0 temps partiel ou de faibles revenus, il se peut que le seuil LPP ne soit pas atteint, ce qui exclut l\u2019affiliation obligatoire. Dans ce cas, il est recommand\u00e9 de se tourner vers une solution individuelle (<a href=\"https:\/\/invexa.ch\/prevoyance\/3eme-pilier-le-guide-complet\/\"><strong>3\u00e8me pilier<\/strong><\/a>) ou une <a href=\"https:\/\/invexa.ch\/prevoyance\/2e-pilier-pour-independant-bonne-ou-mauvaise-idee\/\"><strong>affiliation facultative<\/strong><\/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-d34339f elementor-widget elementor-widget-heading\" data-id=\"d34339f\" 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\">Que faire si vous ne retrouvez pas imm\u00e9diatement d\u2019emploi ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7bfecb2 elementor-widget elementor-widget-heading\" data-id=\"7bfecb2\" 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\">Compte ou police de libre passage<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4f8fb86 elementor-widget elementor-widget-text-editor\" data-id=\"4f8fb86\" 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 retour en Suisse sans reprise imm\u00e9diate d\u2019activit\u00e9 lucrative, et \u00e0 condition de ne pas avoir retir\u00e9 l&rsquo;int\u00e9gralit\u00e9 de votre 2e pilier (ou si vous avez reconstitu\u00e9 un avoir par rachat), vous devez placer vos avoirs de pr\u00e9voyance dans une institution de <a href=\"https:\/\/invexa.ch\/prevoyance\/compte-de-libre-passage-ce-que-vous-devez-savoir\/\">libre passage<\/a>.<\/p><p><strong>Deux formes<\/strong> sont possibles :<\/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-ba62f76 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"ba62f76\" 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\">Compte de libre passage aupr\u00e8s d\u2019une banque (souvent r\u00e9mun\u00e9r\u00e9 \u00e0 un taux d\u2019int\u00e9r\u00eat fixe).<\/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\">Police de libre passage aupr\u00e8s d\u2019une assurance (souvent avec une composante en capital ou en rente).<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-92e6d35 elementor-widget elementor-widget-text-editor\" data-id=\"92e6d35\" 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\tLe capital est bloqu\u00e9 jusqu&rsquo;\u00e0 ce que vous:\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-ca73fc1 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"ca73fc1\" 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\">retrouviez un emploi soumis au 2\u00e8me pilier (et transf\u00e9riez le montant dans la nouvelle 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\">atteigniez l\u2019\u00e2ge de la 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\">ou rencontriez un cas de pr\u00e9voyance (invalidit\u00e9, d\u00e9c\u00e8s).<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-988fb1d elementor-widget elementor-widget-text-editor\" data-id=\"988fb1d\" 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>Il est imp\u00e9ratif d\u2019annoncer tout changement d\u2019adresse \u00e0 l\u2019institution de libre passage. \u00c0 d\u00e9faut, les fonds peuvent \u00eatre transf\u00e9r\u00e9s apr\u00e8s deux ans \u00e0 la Fondation institution suppl\u00e9tive LPP, qui joue le r\u00f4le de solution par d\u00e9faut.<\/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-5fa6a40 elementor-widget elementor-widget-heading\" data-id=\"5fa6a40\" 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\">Assurance facultative aupr\u00e8s de la Fondation institution suppl\u00e9tive<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bd6d1ff elementor-widget elementor-widget-text-editor\" data-id=\"bd6d1ff\" 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 ne retrouvez pas d\u2019emploi tout de suite mais souhaitez continuer \u00e0 cotiser volontairement \u00e0 la pr\u00e9voyance professionnelle, vous avez la possibilit\u00e9 de vous affilier \u00e0 la Fondation institution suppl\u00e9tive LPP, \u00e0 condition:\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-6d9a000 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"6d9a000\" 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\">d\u2019\u00eatre domicili\u00e9 en 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 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 d\u2019\u00eatre affili\u00e9 \u00e0 l\u2019AVS.<\/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-71022c6 elementor-widget elementor-widget-text-editor\" data-id=\"71022c6\" 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\tCette option permet de maintenir une couverture contre les risques de d\u00e9c\u00e8s et d\u2019invalidit\u00e9, et de poursuivre la constitution d\u2019un capital vieillesse.\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-3136d3f elementor-widget elementor-widget-heading\" data-id=\"3136d3f\" 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\">Cas particuliers<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-726a66b elementor-widget elementor-widget-heading\" data-id=\"726a66b\" 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\">Retour avec une 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-a55a03b elementor-widget elementor-widget-text-editor\" data-id=\"a55a03b\" 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 revenez en Suisse pour y exercer une activit\u00e9 ind\u00e9pendante, vous ne serez pas affili\u00e9 automatiquement \u00e0 une caisse de pension, car la pr\u00e9voyance professionnelle (2e pilier) est facultative pour les ind\u00e9pendants.<\/p><p>Deux options s\u2019offrent \u00e0 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-9cca0fd elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"9cca0fd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Vous pouvez vous affilier volontairement \u00e0 une institution de pr\u00e9voyance professionnelle (la m\u00eame que celle de votre personnel, ou la Fondation institution suppl\u00e9tive 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\">Vous pouvez \u00e9galement opter pour le 3e pilier A, fiscalement avantageux, avec des limites de cotisation plus \u00e9lev\u00e9es si vous n\u2019\u00eates pas affili\u00e9 \u00e0 un 2e pilier (jusqu\u2019\u00e0 20 % du revenu net, max. 36\u2019288 CHF en 2025).<\/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-2c69b87 elementor-widget elementor-widget-text-editor\" data-id=\"2c69b87\" 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\/pilier-3a-tout-savoir-sur-la-prevoyance-liee\/\">3\u00e8me pilier A<\/a> est dans ce cas un outil central pour compenser l&rsquo;absence de couverture LPP, surtout en cas d&rsquo;invalidit\u00e9 ou pour pr\u00e9parer la 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-681c53b elementor-widget elementor-widget-heading\" data-id=\"681c53b\" 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\">Ch\u00f4mage \u00e0 l\u2019arriv\u00e9e<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6159eff elementor-widget elementor-widget-text-editor\" data-id=\"6159eff\" 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 \u00eates au ch\u00f4mage lors de votre retour, vous \u00eates assur\u00e9 pour les risques d\u00e9c\u00e8s et invalidit\u00e9 aupr\u00e8s de la Fondation institution suppl\u00e9tive LPP \u00e0 condition que votre indemnit\u00e9 journali\u00e8re d\u00e9passe <strong>87.10 CHF<\/strong> par jour (seuil 2025).<\/p><p>Vous ne cotisez pas pour la retraite durant cette p\u00e9riode et la <strong>couverture prend fin<\/strong> lorsque les indemnit\u00e9s ch\u00f4mage s\u2019arr\u00eatent ou si vous n\u2019atteignez plus le seuil.<\/p><p>Vous pouvez, de mani\u00e8re <strong>volontaire<\/strong>, cotiser \u00e0 une caisse (ancien employeur ou institution suppl\u00e9tive) pour continuer \u00e0 constituer un capital vieillesse. Cette option doit \u00eatre activ\u00e9e imm\u00e9diatement \u00e0 la sortie de la derni\u00e8re 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-3401726 elementor-widget elementor-widget-heading\" data-id=\"3401726\" 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-de9c479 elementor-widget elementor-widget-text-editor\" data-id=\"de9c479\" 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 retour en Suisse apr\u00e8s un retrait du 2\u00e8me pilier \u00e0 l\u2019\u00e9tranger soul\u00e8ve des enjeux complexes, tant juridiques que financiers. En l\u2019absence de coordination automatique, l\u2019assur\u00e9 doit souvent repartir de z\u00e9ro, que ce soit en mati\u00e8re de couverture vieillesse, d\u2019invalidit\u00e9 ou de protection pour les survivants.<\/p><p>Il existe n\u00e9anmoins des leviers concrets pour r\u00e9int\u00e9grer le syst\u00e8me : rachat dans la caisse de pension, affiliation volontaire, constitution d\u2019un <a href=\"https:\/\/invexa.ch\/prevoyance\/3eme-pilier\/\">3\u00e8me pilier<\/a> renforc\u00e9, ou encore <a href=\"https:\/\/invexa.ch\/services\/recherche-avoirs-lpp\/\">d\u00e9p\u00f4t d\u2019un avoir vers une institution de libre passage<\/a>. Ces options permettent de limiter les lacunes de pr\u00e9voyance et de retrouver une situation assurantielle solide. Pour chaque sc\u00e9nario (retour comme salari\u00e9, ind\u00e9pendant, ou sans activit\u00e9) il est crucial d\u2019agir rapidement et de mani\u00e8re inform\u00e9e. Une analyse personnalis\u00e9e, accompagn\u00e9e d\u2019un conseil sp\u00e9cialis\u00e9, reste la meilleure strat\u00e9gie pour pr\u00e9server vos droits et s\u00e9curiser votre avenir en Suisse.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Le retrait du 2\u00e8me pilier lors d\u2019un d\u00e9part \u00e0 l\u2019\u00e9tranger peut avoir des cons\u00e9quences importantes lors d\u2019un retour en Suisse. Cet article vous guide sur les obligations, les d\u00e9marches et les alternatives disponibles pour s\u00e9curiser votre pr\u00e9voyance \u00e0 votre retour.<\/p>\n","protected":false},"author":1,"featured_media":2562,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","footnotes":""},"categories":[30],"tags":[46,34,47],"class_list":["post-2560","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-prevoyance","tag-2eme-pilier","tag-lpp","tag-retraite"],"_links":{"self":[{"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/posts\/2560","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=2560"}],"version-history":[{"count":19,"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/posts\/2560\/revisions"}],"predecessor-version":[{"id":8264,"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/posts\/2560\/revisions\/8264"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/media\/2562"}],"wp:attachment":[{"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/media?parent=2560"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/categories?post=2560"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/tags?post=2560"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}