{"id":563,"date":"2023-09-05T21:09:54","date_gmt":"2023-09-05T21:09:54","guid":{"rendered":"http:\/\/ericare.taketechworld.com\/?page_id=563"},"modified":"2023-09-06T20:38:54","modified_gmt":"2023-09-06T20:38:54","slug":"pension-insurance","status":"publish","type":"page","link":"https:\/\/ericare.taketechworld.com\/fr\/pension-insurance\/","title":{"rendered":"Pension Insurance"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"563\" class=\"elementor elementor-563\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e8cab2c elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"e8cab2c\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\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-top-column elementor-element elementor-element-6684578\" data-id=\"6684578\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-beb8406 elementor-widget elementor-widget-heading\" data-id=\"beb8406\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.15.0 - 20-08-2023 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h2 class=\"elementor-heading-title elementor-size-default\">Assurance retraite<\/h2>\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\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8b14c0d elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8b14c0d\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\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-e7e0947\" data-id=\"e7e0947\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-dd3a456 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"dd3a456\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-ab9f412\" data-id=\"ab9f412\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a5b7f3a elementor-widget elementor-widget-pix-highlighted-text\" data-id=\"a5b7f3a\" data-element_type=\"widget\" data-widget_type=\"pix-highlighted-text.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div id=\"highlighted-text-93093845\" class=\"pix-highlighted-element text-left\"><h3 class=\"pix-highlighted-items\" style=\"\" data-anim-type=\"\" data-anim-delay=\"\"><span id=\"highlighted-text-93093845-0\" class=\"elementor-repeater-item-2daf2a9\"><span class=\"pix-highlighted-text pix-highlight-item font-weight-normal  body-font text-heading-default\">Offre d'assurance Ericare <\/span><\/span><span id=\"highlighted-text-93093845-1\" class=\"pix-highlight-bg align-middle2   elementor-repeater-item-f8b46fc highlighted-text-93093845-1 animate-in\" data-anim-type=\"highlight-grow\" data-anim-delay=\"200\"><span class=\"pix-highlighted-text  pix-highlight-item font-weight-normal  font-weight-bold heading-font text-heading-default\">Assurance retraite<\/span><\/span><span id=\"highlighted-text-93093845-2\" class=\"elementor-repeater-item-7226214\"><span class=\"pix-highlighted-text pix-highlight-item font-weight-normal  body-font text-heading-default\"> Plan<\/span><\/span><\/h3><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-2383245\" data-id=\"2383245\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f1af56e elementor-widget elementor-widget-pix-text\" data-id=\"f1af56e\" data-element_type=\"widget\" data-widget_type=\"pix-text.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"pix-el-text w-100 text-left\" ><div class=\"d-inline-block\" style=\"max-width:600px;\"><p class=\"text-18 resp-option text-black text-left\" >Le syst\u00e8me de retraite en Suisse repose sur une approche \u00e0 trois niveaux, con\u00e7ue pour garantir la s\u00e9curit\u00e9 financi\u00e8re des citoyens \u00e0 diff\u00e9rentes \u00e9tapes de leur vie, notamment pendant la retraite. <\/p><\/div><\/div>\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\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0753376 elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0753376\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-234b6ec\" data-id=\"234b6ec\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-99814d7 elementor-widget elementor-widget-text-editor\" data-id=\"99814d7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.15.0 - 20-08-2023 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>Voici les points cl\u00e9s concernant le syst\u00e8me de retraite en Suisse :<\/p><p><strong><span style=\"color: #339966;\">1. Premier pilier \u2013<\/span> <span style=\"color: #000000;\">Assurance-vieillesse et survivants (AVS) et assurance-invalidit\u00e9 (AI):<\/span><\/strong><\/p><p>\u00a0\u00a0 - Cela repr\u00e9sente la pension de l'\u00c9tat. Chaque personne active cotise \u00e0 l'AVS\/AI et per\u00e7oit en \u00e9change une rente de vieillesse ou d'invalidit\u00e9.<\/p><p>\u00a0\u00a0 - Il vise \u00e0 couvrir les besoins essentiels pendant la retraite, en cas d'invalidit\u00e9 ou de d\u00e9c\u00e8s.<\/p><p><span style=\"color: #339966;\"><strong>2. Deuxi\u00e8me pilier \u2013<\/strong> <\/span><span style=\"color: #000000;\"><strong>Pr\u00e9voyance professionnelle (LPP) :<\/strong><\/span><\/p><p>\u00a0\u00a0 - Cette pension est obligatoire pour les salari\u00e9s et est financ\u00e9e conjointement par les employeurs et les salari\u00e9s.<\/p><p>\u00a0\u00a0 - L'objectif est de maintenir le niveau de vie habituel pendant la retraite, en cas d'invalidit\u00e9 ou de d\u00e9c\u00e8s, en combinaison avec l'AVS.<\/p><p>\u00a0\u00a0 - Les fonds de pension fournissent des prestations de retraite et des versements forfaitaires.<\/p><p><strong><span style=\"color: #339966;\">3. Troisi\u00e8me pilier \u2013<\/span> <span style=\"color: #000000;\">Pension priv\u00e9e:<\/span><\/strong><\/p><p>\u00a0\u00a0 - Il s'agit d'une pension volontaire pour laquelle les particuliers peuvent opter. Il en existe deux principaux types : la pr\u00e9voyance li\u00e9e (pilier 3a) et la pr\u00e9voyance flexible (pilier 3b).<\/p><p>\u00a0\u00a0 - Il sert \u00e0 couvrir des besoins sp\u00e9cifiques non couverts par le 1er et le 2e pilier et permet de constituer une \u00e9pargne compl\u00e9mentaire en vue de la retraite ou \u00e0 d'autres fins.<\/p><p>\u00a0\u00a0 - Les cotisations \u00e0 la pr\u00e9voyance li\u00e9e (3a) sont d\u00e9ductibles fiscalement jusqu'\u00e0 un certain plafond.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f0ff515 elementor-widget elementor-widget-pix-button\" data-id=\"f0ff515\" data-element_type=\"widget\" data-widget_type=\"pix-button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<a  href=\"#elementor-action:action=popup:open&settings=eyJpZCI6IjIwNyIsInRvZ2dsZSI6ZmFsc2V9\" class=\"btn m-0     shadow-inverse-lg btn-blue d-inline-block      btn-md\"     ><span class=\"font-weight-bold\" >Obtenez un devis <\/span><\/a>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-199deaa\" data-id=\"199deaa\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5ec4936 elementor-widget elementor-widget-image\" data-id=\"5ec4936\" data-element_type=\"widget\" data-settings=\"{&quot;sticky&quot;:&quot;top&quot;,&quot;sticky_on&quot;:[&quot;desktop&quot;],&quot;sticky_offset&quot;:50,&quot;sticky_parent&quot;:&quot;yes&quot;,&quot;sticky_effects_offset&quot;:0}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.15.0 - 20-08-2023 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" width=\"1920\" height=\"1351\" src=\"https:\/\/ericare.taketechworld.com\/wp-content\/uploads\/2023\/09\/gafafas.jpg\" class=\"attachment-full size-full wp-image-571\" alt=\"\" srcset=\"https:\/\/ericare.taketechworld.com\/wp-content\/uploads\/2023\/09\/gafafas.jpg 1920w, https:\/\/ericare.taketechworld.com\/wp-content\/uploads\/2023\/09\/gafafas-300x211.jpg 300w, https:\/\/ericare.taketechworld.com\/wp-content\/uploads\/2023\/09\/gafafas-1024x721.jpg 1024w, https:\/\/ericare.taketechworld.com\/wp-content\/uploads\/2023\/09\/gafafas-768x540.jpg 768w, https:\/\/ericare.taketechworld.com\/wp-content\/uploads\/2023\/09\/gafafas-1536x1081.jpg 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/>\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\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7097717 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7097717\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-cac62b8\" data-id=\"cac62b8\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0cc0472 elementor-widget elementor-widget-image\" data-id=\"0cc0472\" data-element_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\" loading=\"lazy\" width=\"800\" height=\"534\" src=\"https:\/\/ericare.taketechworld.com\/wp-content\/uploads\/2023\/09\/couple-elderly-retirees-bank-wallet-safe-money-couple-elderly-retirees-bank-wallet-safe-money-social-227684762.webp\" class=\"attachment-full size-full wp-image-573\" alt=\"\" srcset=\"https:\/\/ericare.taketechworld.com\/wp-content\/uploads\/2023\/09\/couple-elderly-retirees-bank-wallet-safe-money-couple-elderly-retirees-bank-wallet-safe-money-social-227684762.webp 800w, https:\/\/ericare.taketechworld.com\/wp-content\/uploads\/2023\/09\/couple-elderly-retirees-bank-wallet-safe-money-couple-elderly-retirees-bank-wallet-safe-money-social-227684762-300x200.webp 300w, https:\/\/ericare.taketechworld.com\/wp-content\/uploads\/2023\/09\/couple-elderly-retirees-bank-wallet-safe-money-couple-elderly-retirees-bank-wallet-safe-money-social-227684762-768x513.webp 768w\" 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\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-c709614\" data-id=\"c709614\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5b4759d elementor-widget elementor-widget-text-editor\" data-id=\"5b4759d\" data-element_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<h5><span style=\"color: #339966;\"><strong>Le troisi\u00e8me pilier du syst\u00e8me de pr\u00e9voyance suisse est essentiel pour plusieurs raisons :<\/strong><\/span><\/h5><p><span style=\"color: #000000;\"><strong>S\u00e9curit\u00e9 financi\u00e8re:<\/strong><\/span> Souvent, les premier et deuxi\u00e8me piliers ne couvrent pas enti\u00e8rement le niveau de vie d'un individu avant la retraite. Le troisi\u00e8me pilier contribue \u00e0 combler l'\u00e9cart entre l'offre de la pr\u00e9voyance publique et professionnelle et ce qui est n\u00e9cessaire pour maintenir le mode de vie habituel \u00e0 la retraite.<\/p><p><span style=\"color: #000000;\"><strong>La flexibilit\u00e9:<\/strong><\/span> Le troisi\u00e8me pilier offre plus de flexibilit\u00e9 en termes de possibilit\u00e9s d'\u00e9pargne et d'investissement. Les particuliers peuvent adapter leurs cotisations et la fa\u00e7on dont ils investissent en fonction de leurs objectifs financiers et de leur tol\u00e9rance au risque.<\/p><p><span style=\"color: #000000;\"><strong>Avantages fiscaux:<\/strong> <\/span>Les cotisations \u00e0 la pr\u00e9voyance li\u00e9e (pilier 3a) sont d\u00e9ductibles fiscalement jusqu'\u00e0 un certain plafond, ce qui peut g\u00e9n\u00e9rer d'importantes \u00e9conomies d'imp\u00f4t. De plus, la richesse des comptes 3a est \u00e9galement exon\u00e9r\u00e9e d\u2019imp\u00f4t sur la fortune et les plus-values \u200b\u200b\u200b\u200bsont exon\u00e9r\u00e9es d\u2019imp\u00f4t.<\/p>\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\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1cf380a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1cf380a\" data-element_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-aa57480\" data-id=\"aa57480\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-e9f9f8b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e9f9f8b\" data-element_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-inner-column elementor-element elementor-element-95dc0da\" data-id=\"95dc0da\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-453e347 elementor-widget elementor-widget-heading\" data-id=\"453e347\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Planification pour des besoins sp\u00e9cifiques<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4e1f1b3 elementor-widget elementor-widget-text-editor\" data-id=\"4e1f1b3\" data-element_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\tAu-del\u00e0 de la retraite, le troisi\u00e8me pilier peut \u00e9galement \u00eatre utilis\u00e9 pour \u00e9pargner pour des besoins sp\u00e9cifiques, comme l'achat d'un logement, la poursuite d'\u00e9tudes ou la cr\u00e9ation d'une entreprise. Cela le rend polyvalent pour soutenir divers objectifs de vie.\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\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ea64a01 elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"ea64a01\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\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-top-column elementor-element elementor-element-efaf0b5\" data-id=\"efaf0b5\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f79eede elementor-widget elementor-widget-heading\" data-id=\"f79eede\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Possibilit\u00e9s de retrait anticip\u00e9<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-748650d elementor-widget elementor-widget-heading\" data-id=\"748650d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Sous certaines conditions, l\u2019\u00e9pargne du troisi\u00e8me pilier peut \u00eatre retir\u00e9e avant l\u2019\u00e2ge officiel de la retraite. Cela peut \u00eatre utile par exemple pour acheter une propri\u00e9t\u00e9 r\u00e9sidentielle, devenir ind\u00e9pendant ou quitter d\u00e9finitivement la Suisse. <\/h2>\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\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e258678 elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"e258678\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-89e8d01\" data-id=\"89e8d01\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-904b55c elementor-widget elementor-widget-image\" data-id=\"904b55c\" data-element_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\" loading=\"lazy\" width=\"626\" height=\"417\" src=\"https:\/\/ericare.taketechworld.com\/wp-content\/uploads\/2023\/09\/elderly-husband-wife-throwing-co.jpg\" class=\"attachment-full size-full wp-image-576\" alt=\"\" srcset=\"https:\/\/ericare.taketechworld.com\/wp-content\/uploads\/2023\/09\/elderly-husband-wife-throwing-co.jpg 626w, https:\/\/ericare.taketechworld.com\/wp-content\/uploads\/2023\/09\/elderly-husband-wife-throwing-co-300x200.jpg 300w\" sizes=\"(max-width: 626px) 100vw, 626px\" \/>\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\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-8f472d2\" data-id=\"8f472d2\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a261ad7 elementor-widget elementor-widget-heading\" data-id=\"a261ad7\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Participation volontaire<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0996e64 elementor-widget elementor-widget-text-editor\" data-id=\"0996e64\" data-element_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\tLa participation au troisi\u00e8me pilier \u00e9tant volontaire, elle permet aux individus d\u2019avoir un meilleur contr\u00f4le sur leur \u00e9pargne. Ils peuvent d\u00e9cider du montant et du moment de leur contribution, en fonction de leur capacit\u00e9 financi\u00e8re et de leurs objectifs.\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\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-28a5bf1 elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"28a5bf1\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-654599c\" data-id=\"654599c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-483f100 elementor-widget elementor-widget-heading\" data-id=\"483f100\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Protection contre les risques de la vie<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-23664a1 elementor-widget elementor-widget-text-editor\" data-id=\"23664a1\" data-element_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\tCertains produits du troisi\u00e8me pilier comportent des \u00e9l\u00e9ments d'assurance qui couvrent des risques tels que le d\u00e9c\u00e8s ou l'invalidit\u00e9. Cela offre une couche suppl\u00e9mentaire de protection financi\u00e8re.\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-75a11b3\" data-id=\"75a11b3\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b6934e1 elementor-widget elementor-widget-image\" data-id=\"b6934e1\" data-element_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\" loading=\"lazy\" width=\"508\" height=\"341\" src=\"https:\/\/ericare.taketechworld.com\/wp-content\/uploads\/2023\/09\/pension-plan.png\" class=\"attachment-full size-full wp-image-575\" alt=\"\" srcset=\"https:\/\/ericare.taketechworld.com\/wp-content\/uploads\/2023\/09\/pension-plan.png 508w, https:\/\/ericare.taketechworld.com\/wp-content\/uploads\/2023\/09\/pension-plan-300x201.png 300w\" sizes=\"(max-width: 508px) 100vw, 508px\" \/>\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\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-fea13ed elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fea13ed\" data-element_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-362b77d\" data-id=\"362b77d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-dc3e0c2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"dc3e0c2\" data-element_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-inner-column elementor-element elementor-element-90acecf\" data-id=\"90acecf\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5d38742 elementor-widget elementor-widget-heading\" data-id=\"5d38742\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Pour de nombreux Suisses <\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bdb4e2e elementor-widget elementor-widget-text-editor\" data-id=\"bdb4e2e\" data-element_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\til est crucial d'utiliser de mani\u00e8re optimale les trois piliers pour assurer la s\u00e9curit\u00e9 financi\u00e8re pendant la retraite et maintenir le niveau de vie souhait\u00e9. Il est \u00e9galement conseill\u00e9 de revoir p\u00e9riodiquement son statut de pension et d'apporter les ajustements n\u00e9cessaires si n\u00e9cessaire.\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e643fe0 elementor-widget elementor-widget-pix-button\" data-id=\"e643fe0\" data-element_type=\"widget\" data-widget_type=\"pix-button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"d-block w-100 text-center\"><a  href=\"#elementor-action:action=popup:open&settings=eyJpZCI6IjIwNyIsInRvZ2dsZSI6ZmFsc2V9\" class=\"btn m-0     shadow-inverse-lg btn-blue d-inline-block      pix-btn-div btn-md\"     ><span class=\"font-weight-bold\" >Obtenez un devis <\/span><\/a><\/div>\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\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>\u1218\u12f5\u1215\u1295 \u1321\u1228\u1273 \u12a4\u122a-\u12ac\u122d \u12a2\u1295\u1239\u122b\u1295\u1235 \u12dd\u1205\u1266 \u1218\u12f5\u1215\u1295 \u1321\u1228\u1273 \u1295\u12f5\u134a \u1235\u122d\u12d3\u1275 \u1321\u1228\u1273 \u12a3\u1265 \u1235\u12ca\u12d8\u122d\u120b\u1295\u12f5 \u12a3\u1265 \u1230\u1208\u1235\u1270 \u12f0\u1228\u1303\u1273\u1275 \u12dd\u1250\u12cd\u121d \u12ae\u12ed\u1291\u1361 \u12dc\u130b\u1273\u1275 \u12a3\u1265 \u12dd\u1270\u1348\u120b\u1208\u12e8 \u12f0\u1228\u1303\u1273\u1275 \u1205\u12ed\u12c8\u1276\u121d \u1265\u134d\u120b\u12ed \u12a3\u1265 \u12a5\u12cb\u1295 \u1321\u1228\u1273 \u1265\u1308\u1295\u12d8\u1265 \u12cd\u1215\u1235\u1290\u1275 \u1295\u12bd\u1205\u120d\u12ce\u121d \u12dd\u1270\u12f3\u1208\u12c8 \u12a5\u12e9\u1362 \u12a3\u1265 \u1235\u12ca\u12d8\u122d\u120b\u1295\u12f5 \u1295\u12d8\u120e \u1235\u122d\u12d3\u1275 \u1321\u1228\u1273 \u12dd\u121d\u120d\u12a8\u1271 \u1240\u1295\u12f2 \u1290\u1325\u1265\u1273\u1275 \u12a5\u12de\u121d&#8230;<\/p>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"_links":{"self":[{"href":"https:\/\/ericare.taketechworld.com\/fr\/wp-json\/wp\/v2\/pages\/563"}],"collection":[{"href":"https:\/\/ericare.taketechworld.com\/fr\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/ericare.taketechworld.com\/fr\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/ericare.taketechworld.com\/fr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ericare.taketechworld.com\/fr\/wp-json\/wp\/v2\/comments?post=563"}],"version-history":[{"count":16,"href":"https:\/\/ericare.taketechworld.com\/fr\/wp-json\/wp\/v2\/pages\/563\/revisions"}],"predecessor-version":[{"id":856,"href":"https:\/\/ericare.taketechworld.com\/fr\/wp-json\/wp\/v2\/pages\/563\/revisions\/856"}],"wp:attachment":[{"href":"https:\/\/ericare.taketechworld.com\/fr\/wp-json\/wp\/v2\/media?parent=563"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}