{"id":153,"date":"2010-10-08T12:56:17","date_gmt":"2010-10-08T10:56:17","guid":{"rendered":"https:\/\/mon-taux-de-change.com\/?p=153"},"modified":"2010-10-08T12:56:17","modified_gmt":"2010-10-08T10:56:17","slug":"guide-de-la-prevoyance-en-suisse","status":"publish","type":"post","link":"https:\/\/mon-taux.com\/blog\/2010\/10\/08\/guide-de-la-prevoyance-en-suisse\/","title":{"rendered":"Guide de la pr\u00e9voyance en Suisse"},"content":{"rendered":"<h2 style=\"text-align: center;\"><span style=\"text-decoration: underline;\">Le syst\u00e8me des 3 piliers<\/span><\/h2>\n<p style=\"text-align: center;\"><span style=\"font-size: small;\">Le concept des <strong>3 piliers<\/strong> forme la base de la S\u00e9curit\u00e9 Sociale en Suisse.<\/span><\/p>\n<p style=\"text-align: center;\"><span style=\"font-size: small;\">On le repr\u00e9sente g\u00e9n\u00e9ralement comme une maison dont le toit est soutenu par trois colonnes\u00a0:<\/span><\/p>\n<p style=\"text-align: center;\"><span style=\"font-size: small;\"> <img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-29745 alignnone\" src=\"https:\/\/mon-taux-de-change.com\/wp-content\/uploads\/2010\/10\/3pilier-prevoyance.jpg\" alt=\"\" width=\"619\" height=\"350\" srcset=\"https:\/\/mon-taux.com\/blog\/wp-content\/uploads\/2010\/10\/3pilier-prevoyance.jpg 619w, https:\/\/mon-taux.com\/blog\/wp-content\/uploads\/2010\/10\/3pilier-prevoyance-300x170.jpg 300w\" sizes=\"auto, (max-width: 619px) 100vw, 619px\" \/><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-1611\" src=\"https:\/\/mon-taux-de-change.com\/wp-content\/uploads\/2010\/10\/3pilier1.jpg\" alt=\"\" width=\"680\" height=\"384\" \/><br \/>\n<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: small;\">\u00a0<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: small;\">\u00a0<\/span><\/p>\n<p><span style=\"font-size: small;\">\u00a0<\/span><\/p>\n<p style=\"text-align: center;\"><span style=\"font-size: small;\">________________________________________________________________<\/span><\/p>\n<p><span style=\"font-size: small;\">\u00a0<\/span><\/p>\n<h3><span style=\"font-size: small;\"><span style=\"text-decoration: underline;\">1er Pilier\u00a0: <\/span><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-size: small;\">Il s\u2019agit de la <strong>pr\u00e9voyance<\/strong> \u00e9tatique compos\u00e9e de l\u2019assurance vieillesse et survivants (<strong>AVS<\/strong>) et de l\u2019assurance invalidit\u00e9 (<strong>AI<\/strong>). Fait parties \u00e9galement de ce pilier les prestations compl\u00e9mentaires (<strong>PC<\/strong>).\u00a0 L\u2019objectif du<strong> 1<\/strong><sup><strong>er<\/strong><\/sup><\/span><strong> pilier<\/strong> est de garantir les besoins vitaux \u00e0 l\u2019ensemble de la population. Les risques assur\u00e9s sont la vieillesse, le d\u00e9c\u00e8s et l\u2019invalidit\u00e9.<\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: small;\">\u00a0<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: small;\">Toutes les personnes domicili\u00e9es en Suisse, ou y exer\u00e7ant une activit\u00e9 lucrative, doivent obligatoirement \u00eatre assur\u00e9. L\u2019AVS cr\u00e9\u00e9 en 1948 est un syst\u00e8me de retraite par r\u00e9partition, les actifs cotisent pour les retrait\u00e9s.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: small;\">\u00a0<\/span><\/p>\n<h3 style=\"text-align: justify;\"><span style=\"font-size: small;\"><span style=\"text-decoration: underline;\">2\u00e8me Pilier\u00a0:<\/span><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-size: small;\">La pr\u00e9voyance professionnelle et l\u2019assurance-accidents constituent le <strong>2<\/strong><sup><strong>\u00e8me<\/strong><\/sup><strong> pilier<\/strong>.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: small;\">La pr\u00e9voyance professionnelle est rattach\u00e9e \u00e0 l\u2019exercice d\u2019une profession. Il n\u2019y pas de monopole \u00e9tatique pour la gestion de ce pilier, mais les employeurs sont tenus d\u2019affilier leurs employ\u00e9s et de pr\u00e9lever des cotisations.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: small;\">La <strong>LPP<\/strong> est entr\u00e9e en vigueur le 1<sup>er<\/sup> janvier 1985. Elle a pour but, en compl\u00e9ment du 1<sup>er<\/sup> pilier, \u00a0de garantir le maintien du niveau de vie ant\u00e9rieur \u00e0 l\u2019\u00e2ge de la retraite, en cas d\u2019invalidit\u00e9 ou en cas d\u2019accident.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: small;\">\u00a0<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: small;\">Sont obligatoirement soumis \u00e0 la LPP tous les salari\u00e9s assujettis \u00e0 <strong>l\u2019AVS<\/strong> \u00e0 compter du 1er Janvier suivant leur 17 \u00e8me anniversaire, et dont le salaire annuel <strong>AVS<\/strong> est sup\u00e9rieur \u00e0 CHF 19\u00a0890. Les Suisses \u00e0 l\u2019\u00e9tranger et les ind\u00e9pendants peuvent s\u2019assurer \u00e0 titre facultatif.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: small;\">La LPP est une loi cadre contenant des dispositions minimum. Elle couvre les risques d\u2019invalidit\u00e9 et de d\u00e9c\u00e8s \u00e0 la suite de maladie et pr\u00e9voit la constitution d\u2019un capital pour la retraite. La LPP fonctionne sur le principe de capitalisation. L\u2019assur\u00e9 peut pr\u00e9tendre \u00e0 son capital vieillesse dans les conditions suivantes\u00a0:<\/span><\/p>\n<ul>\n<li>\n<div style=\"text-align: justify;\"><span style=\"font-size: small;\">A l\u2019\u00e2ge de 65 ans pour les hommes, 64 pour les femmes<\/span><\/div>\n<\/li>\n<li>\n<div style=\"text-align: justify;\"><span style=\"font-size: small;\">En cas de d\u00e9part d\u00e9finitif de la Suisse<\/span><\/div>\n<\/li>\n<li>\n<div style=\"text-align: justify;\"><span style=\"font-size: small;\">Pour s\u2019installer \u00e0 son compte<\/span><\/div>\n<\/li>\n<li>\n<div style=\"text-align: justify;\"><span style=\"font-size: small;\">Pour l\u2019achat de sa r\u00e9sidence principale<\/span><\/div>\n<\/li>\n<li>\n<div style=\"text-align: justify;\"><span style=\"font-size: small;\">Pour le remboursement d\u2019un cr\u00e9dit immobilier sur la r\u00e9sidence principale de l\u2019assur\u00e9<\/span><\/div>\n<\/li>\n<\/ul>\n<p style=\"text-align: justify;\"><span style=\"font-size: small;\">La loi sur l\u2019assurance accident (LAA) r\u00e9git pour sa part, les prestations vers\u00e9es en cas d\u2019invalidit\u00e9 et de d\u00e9c\u00e8s \u00e0 la suite d\u2019un accident, ainsi que les frais de traitement apr\u00e8s un accident.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: small;\">\u00a0<\/span><\/p>\n<h3 style=\"text-align: justify;\"><span style=\"font-size: small;\"><span style=\"text-decoration: underline;\">3\u00e8me Pilier\u00a0: <\/span><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-size: small;\">Les lacunes individuelles de pr\u00e9voyances peuvent \u00eatre combl\u00e9es par le <strong>troisi\u00e8me pilier<\/strong> . A la diff\u00e9rence de l\u2019\u00e9pargne traditionnelle, la pr\u00e9voyance individuelle jouit de privil\u00e8ges fiscaux, sous r\u00e9serve de certaines conditions.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: small;\">La<strong> pr\u00e9voyance individuelle<\/strong> se subdivise en <strong>pr\u00e9voyance li\u00e9e ( pilier\u00a0 3a) <\/strong>et la <strong>pr\u00e9voyance libre ( 3b)<\/strong>. Le <strong>3<\/strong><sup><strong>\u00e8me<\/strong><\/sup><strong> pilier A<\/strong> b\u00e9n\u00e9ficie de mesures favorables et peut \u00eatre utilis\u00e9 pour l\u2019accession \u00e0 la propri\u00e9t\u00e9. Pour les frontaliers, le <strong>3<\/strong><sup><strong>\u00e8me<\/strong><\/sup><strong> pilier A e<\/strong>st un des rare moyen qui permet de r\u00e9duire l\u2019imp\u00f4t \u00e0 la source. Il peut \u00eatre contract\u00e9 aupr\u00e8s d\u2019une banque ou d\u2019une assurance.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: small;\">\u00a0<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: small;\"><span style=\"color: #339966;\"><span style=\"text-decoration: underline;\"><strong>Conseil Mon-Taux.com\u00a0:<\/strong><\/span><\/span><\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: small;\"><span style=\"color: #339966;\">Pour les jeunes en vue de constituer un capital, privil\u00e9gier le<strong> 3\u00e8me pilier A\u00a0 bancaire<\/strong>. La version assurance est tr\u00e8s performante sur le long terme.<\/span><\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: small;\"><span style=\"color: #339966;\">Le <strong>3<\/strong><sup><strong>\u00e8me<\/strong><\/sup><strong> pilier B <\/strong>comprend vos \u00e9conomies, les comptes \u00e9pargnes, les obligations, les placements mon\u00e9taires etc\u2026Le capital est \u00e9pargn\u00e9 librement, disponible mais ne b\u00e9n\u00e9ficie pas de privil\u00e8ges fiscaux.<\/span><\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: small;\"><span style=\"color: #339966;\">En 2010, le versement maximum est plafonn\u00e9 \u00e0 CHF 6&#8217;566.-<\/span><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Le syst\u00e8me des 3 piliers Le concept des 3 piliers forme la base de la S\u00e9curit\u00e9 Sociale en Suisse. On le repr\u00e9sente g\u00e9n\u00e9ralement comme une maison dont le toit est soutenu par trois colonnes\u00a0: \u00a0 \u00a0 \u00a0 ________________________________________________________________ \u00a0 1er Pilier\u00a0: Il s\u2019agit de la pr\u00e9voyance \u00e9tatique compos\u00e9e de l\u2019assurance vieillesse et survivants (AVS) et [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":29745,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8,9],"tags":[6,7],"class_list":{"0":"post-153","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-assurances","8":"category-prevoyance","9":"tag-2eme-pilier","10":"tag-3eme-pilier","11":"czr-hentry"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Guide de la pr\u00e9voyance en Suisse - Mon-taux.com - Blog des experts en frontaliers<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/mon-taux.com\/blog\/2010\/10\/08\/guide-de-la-prevoyance-en-suisse\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Guide de la pr\u00e9voyance en Suisse - Mon-taux.com - Blog des experts en frontaliers\" \/>\n<meta property=\"og:description\" content=\"Le syst\u00e8me des 3 piliers Le concept des 3 piliers forme la base de la S\u00e9curit\u00e9 Sociale en Suisse. On le repr\u00e9sente g\u00e9n\u00e9ralement comme une maison dont le toit est soutenu par trois colonnes\u00a0: \u00a0 \u00a0 \u00a0 ________________________________________________________________ \u00a0 1er Pilier\u00a0: Il s\u2019agit de la pr\u00e9voyance \u00e9tatique compos\u00e9e de l\u2019assurance vieillesse et survivants (AVS) et [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/mon-taux.com\/blog\/2010\/10\/08\/guide-de-la-prevoyance-en-suisse\/\" \/>\n<meta property=\"og:site_name\" content=\"Mon-taux.com - Blog des experts en frontaliers\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/MonTauxCom.ComparateurFrontalier\" \/>\n<meta property=\"article:published_time\" content=\"2010-10-08T10:56:17+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/mon-taux.com\/blog\/wp-content\/uploads\/2010\/10\/3pilier-prevoyance.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"619\" \/>\n\t<meta property=\"og:image:height\" content=\"350\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Maryline\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@MonTauxCom\" \/>\n<meta name=\"twitter:site\" content=\"@MonTauxCom\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Maryline\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/mon-taux.com\/blog\/2010\/10\/08\/guide-de-la-prevoyance-en-suisse\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/mon-taux.com\/blog\/2010\/10\/08\/guide-de-la-prevoyance-en-suisse\/\"},\"author\":{\"name\":\"Maryline\",\"@id\":\"https:\/\/mon-taux.com\/blog\/#\/schema\/person\/eb2fc0bb011ccf0491cddce5683b99bc\"},\"headline\":\"Guide de la pr\u00e9voyance en Suisse\",\"datePublished\":\"2010-10-08T10:56:17+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/mon-taux.com\/blog\/2010\/10\/08\/guide-de-la-prevoyance-en-suisse\/\"},\"wordCount\":619,\"publisher\":{\"@id\":\"https:\/\/mon-taux.com\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/mon-taux.com\/blog\/2010\/10\/08\/guide-de-la-prevoyance-en-suisse\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/mon-taux.com\/blog\/wp-content\/uploads\/2010\/10\/3pilier-prevoyance.jpg\",\"keywords\":[\"2\u00e8me pilier\",\"3\u00e8me pilier\"],\"articleSection\":[\"Assurances Sant\u00e9\",\"Pr\u00e9voyance\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/mon-taux.com\/blog\/2010\/10\/08\/guide-de-la-prevoyance-en-suisse\/\",\"url\":\"https:\/\/mon-taux.com\/blog\/2010\/10\/08\/guide-de-la-prevoyance-en-suisse\/\",\"name\":\"Guide de la pr\u00e9voyance en Suisse - 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