{"id":10382,"date":"2026-08-20T11:50:37","date_gmt":"2026-08-20T09:50:37","guid":{"rendered":"https:\/\/minimalistefrugaliste.com\/?p=10382"},"modified":"2026-09-25T07:17:18","modified_gmt":"2026-09-25T05:17:18","slug":"which-strategy-choose-invest-3a","status":"publish","type":"post","link":"https:\/\/minimalistefrugaliste.com\/en\/quelle-strategie-choisir-investir-3a\/","title":{"rendered":"Which strategy to choose to invest your 3a?"},"content":{"rendered":"\n<p class=\"has-text-align-center has-light-green-cyan-color has-text-color has-link-color wp-elements-1 wp-block-paragraph\"><strong>Quelle strat\u00e9gie choisir pour investir son 3a? Voici un guide pratique pour maximiser ton \u00e9pargne retraite tout en optimisant ta fiscalit\u00e9<\/strong><\/p><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_89 ez-toc-wrap-center counter-flat ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table des mati\u00e8res<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #eeee22;color:#eeee22\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #eeee22;color:#eeee22\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/minimalistefrugaliste.com\/en\/quelle-strategie-choisir-investir-3a\/#Produits_recommandes\" >Produits recommand\u00e9s<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/minimalistefrugaliste.com\/en\/quelle-strategie-choisir-investir-3a\/#Livre_E-book_%E2%80%93_50_astuces_pour_economiser_en_Suisse\" >Livre E-book &#8211; 50 astuces pour \u00e9conomiser en Suisse<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/minimalistefrugaliste.com\/en\/quelle-strategie-choisir-investir-3a\/#Livre_E-book_%E2%80%93_Financer_son_avenir_avec_la_bourse_%E2%80%93_mode_demploi\" >Livre E-book &#8211; Financer son avenir avec la bourse &#8211; mode d&#8217;emploi<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/minimalistefrugaliste.com\/en\/quelle-strategie-choisir-investir-3a\/#Guide_E-book_%E2%80%93_Libere-toi_de_la_surconsommation\" >Guide E-book &#8211; Lib\u00e8re-toi de la surconsommation<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/minimalistefrugaliste.com\/en\/quelle-strategie-choisir-investir-3a\/#Le_3a_en_bref\" >Le 3a en bref<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/minimalistefrugaliste.com\/en\/quelle-strategie-choisir-investir-3a\/#Ou_placer_son_3a\" >O\u00f9 placer son 3a ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/minimalistefrugaliste.com\/en\/quelle-strategie-choisir-investir-3a\/#Les_strategies_dinvestissement_%F0%9F%93%88\" >Les strat\u00e9gies d\u2019investissement \ud83d\udcc8<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/minimalistefrugaliste.com\/en\/quelle-strategie-choisir-investir-3a\/#Les_3_grandes_approches\" >Les 3 grandes approches<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/minimalistefrugaliste.com\/en\/quelle-strategie-choisir-investir-3a\/#Comparaison_des_performances_%F0%9F%93%88\" >Comparaison des performances \ud83d\udcc8<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/minimalistefrugaliste.com\/en\/quelle-strategie-choisir-investir-3a\/#Analyse_des_resultats\" >Analyse des r\u00e9sultats<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/minimalistefrugaliste.com\/en\/quelle-strategie-choisir-investir-3a\/#Les_frais_a_surveiller\" >Les frais \u00e0 surveiller<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/minimalistefrugaliste.com\/en\/quelle-strategie-choisir-investir-3a\/#Conclusion\" >Conclusion<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/minimalistefrugaliste.com\/en\/quelle-strategie-choisir-investir-3a\/#FAQ_Tout_savoir_sur_le_3e_pilier_3a_en_Suisse\" >FAQ : Tout savoir sur le 3e pilier (3a) en Suisse<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/minimalistefrugaliste.com\/en\/quelle-strategie-choisir-investir-3a\/#Quest-ce_que_le_3e_pilier_3a_en_Suisse\" >Qu\u2019est-ce que le 3e pilier (3a) en Suisse ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/minimalistefrugaliste.com\/en\/quelle-strategie-choisir-investir-3a\/#Quels_sont_les_avantages_fiscaux_du_3a\" >Quels sont les avantages fiscaux du 3a ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/minimalistefrugaliste.com\/en\/quelle-strategie-choisir-investir-3a\/#Ou_ouvrir_un_compte_3a_en_Suisse\" >O\u00f9 ouvrir un compte 3a en Suisse ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/minimalistefrugaliste.com\/en\/quelle-strategie-choisir-investir-3a\/#Quelle_est_la_difference_entre_un_3a_en_banque_et_un_3a_en_fonds_de_prevoyance\" >Quelle est la diff\u00e9rence entre un 3a en banque et un 3a en fonds de pr\u00e9voyance ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/minimalistefrugaliste.com\/en\/quelle-strategie-choisir-investir-3a\/#Quelles_sont_les_strategies_dinvestissement_possibles_pour_un_3a\" >Quelles sont les strat\u00e9gies d\u2019investissement possibles pour un 3a ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/minimalistefrugaliste.com\/en\/quelle-strategie-choisir-investir-3a\/#Quelle_strategie_3a_offre_le_meilleur_rendement\" >Quelle strat\u00e9gie 3a offre le meilleur rendement ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/minimalistefrugaliste.com\/en\/quelle-strategie-choisir-investir-3a\/#Quels_sont_les_risques_dinvestir_son_3a_en_bourse\" >Quels sont les risques d\u2019investir son 3a en bourse ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/minimalistefrugaliste.com\/en\/quelle-strategie-choisir-investir-3a\/#Combien_coute_un_compte_3a_en_frais_de_gestion\" >Combien co\u00fbte un compte 3a en frais de gestion ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/minimalistefrugaliste.com\/en\/quelle-strategie-choisir-investir-3a\/#Peut-on_perdre_de_largent_avec_un_3a\" >Peut-on perdre de l\u2019argent avec un 3a ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/minimalistefrugaliste.com\/en\/quelle-strategie-choisir-investir-3a\/#Quel_est_le_plafond_de_versement_pour_un_3a_en_2026\" >Quel est le plafond de versement pour un 3a en 2026 ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/minimalistefrugaliste.com\/en\/quelle-strategie-choisir-investir-3a\/#Peut-on_retirer_son_argent_du_3a_avant_la_retraite\" >Peut-on retirer son argent du 3a avant la retraite ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/minimalistefrugaliste.com\/en\/quelle-strategie-choisir-investir-3a\/#Quelle_est_la_meilleure_strategie_3a_pour_un_debutant\" >Quelle est la meilleure strat\u00e9gie 3a pour un d\u00e9butant ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/minimalistefrugaliste.com\/en\/quelle-strategie-choisir-investir-3a\/#Comment_choisir_entre_Viac_et_Finpension_pour_son_3a\" >Comment choisir entre Viac et Finpension pour son 3a ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/minimalistefrugaliste.com\/en\/quelle-strategie-choisir-investir-3a\/#Quest-ce_que_la_strategie_%E2%80%9CGlobal_100%E2%80%9D_dans_un_3a\" >Qu\u2019est-ce que la strat\u00e9gie &#8220;Global 100&#8221; dans un 3a ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/minimalistefrugaliste.com\/en\/quelle-strategie-choisir-investir-3a\/#Quels_sont_les_pieges_a_eviter_avec_un_3a\" >Quels sont les pi\u00e8ges \u00e0 \u00e9viter avec un 3a ?<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n\n<div data-block-name=\"woocommerce\/product-collection\" data-collection=\"woocommerce\/product-collection\/hand-picked\" data-dimensions=\"{&quot;widthType&quot;:&quot;fill&quot;}\" data-display-layout=\"{&quot;type&quot;:&quot;flex&quot;,&quot;columns&quot;:5,&quot;shrinkColumns&quot;:true}\" data-hide-controls=\"[&quot;inherit&quot;,&quot;hand-picked&quot;,&quot;filterable&quot;,&quot;order&quot;]\" data-query-context-includes=\"[&quot;collection&quot;]\" data-query-id=\"0\" data-query=\"{&quot;perPage&quot;:9,&quot;pages&quot;:0,&quot;offset&quot;:0,&quot;postType&quot;:&quot;product&quot;,&quot;order&quot;:&quot;asc&quot;,&quot;orderBy&quot;:&quot;post__in&quot;,&quot;search&quot;:&quot;&quot;,&quot;exclude&quot;:[],&quot;inherit&quot;:false,&quot;taxQuery&quot;:[],&quot;isProductCollectionBlock&quot;:true,&quot;featured&quot;:false,&quot;woocommerceOnSale&quot;:false,&quot;woocommerceStockStatus&quot;:[&quot;instock&quot;,&quot;outofstock&quot;,&quot;onbackorder&quot;],&quot;woocommerceAttributes&quot;:[],&quot;woocommerceHandPickedProducts&quot;:[&quot;26085&quot;,&quot;26112&quot;,&quot;26137&quot;],&quot;filterable&quot;:false,&quot;relatedBy&quot;:{&quot;categories&quot;:true,&quot;tags&quot;:true}}\" data-tag-name=\"div\" class=\"wp-block-woocommerce-product-collection is-layout-flow wp-block-woocommerce-product-collection-is-layout-flow\">\n<h2 class=\"wp-block-heading\" style=\"margin-bottom:1rem\"><span class=\"ez-toc-section\" id=\"Produits_recommandes\"><\/span>Produits recommand\u00e9s<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n<ul data-block-name=\"woocommerce\/product-template\" class=\"wc-block-product-template__responsive columns-5 wc-block-product-template wp-block-woocommerce-product-template is-layout-flow wp-block-woocommerce-product-template-is-layout-flow\" data-wp-on--scroll=\"actions.watchScroll\" data-wp-init=\"callbacks.initResizeObserver\"><li class=\"wc-block-product post-26085 product type-product status-publish has-post-thumbnail product_tag-guide-depargne product_tag-guide-optimisation-financiere-en-suisse product_tag-livre-econome product_tag-livre-economiser product_tag-livre-finances-personnelles product_tag-livre-frugaliste first instock downloadable virtual purchasable product-type-simple\"\n\t\t\t\t\t\n\t\t\t\tdata-wp-interactive=\"woocommerce\/product-collection\"\n\t\t\t\tdata-wp-context='woocommerce\/products::{\"productId\":26085,\"variationId\":null}'\n\t\t\t\tdata-wp-key=\"product-item-26085\"\n\t\t\t\n\t\t\t\t>\n\t\t\t\t\t\n<div data-block-name=\"woocommerce\/product-image\" data-image-sizing=\"thumbnail\" data-is-descendent-of-query-loop=\"true\" data-show-sale-badge=\"false\" class=\"wc-block-components-product-image wc-block-grid__product-image wc-block-components-product-image--aspect-ratio-1-1 wp-block-woocommerce-product-image\"><a href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/50-astuces-pour-economiser-en-suisse\/\" data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\"><img decoding=\"async\" width=\"423\" height=\"600\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?fit=423%2C600&amp;ssl=1\" class=\"attachment-large size-large\" alt=\"Livre E-book - 50 astuces pour \u00e9conomiser en Suisse\" data-testid=\"product-image\" data-image-id=\"26088\" style=\"object-fit:cover;aspect-ratio:1\/1;\" loading=\"lazy\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?w=1409&amp;ssl=1 1409w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=211%2C300&amp;ssl=1 211w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=423%2C600&amp;ssl=1 423w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=768%2C1090&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=1082%2C1536&amp;ssl=1 1082w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=8%2C12&amp;ssl=1 8w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=1320%2C1874&amp;ssl=1 1320w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=600%2C852&amp;ssl=1 600w\" sizes=\"auto, (max-width: 423px) 100vw, 423px\" data-attachment-id=\"26088\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/?attachment_id=26088\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?fit=1409%2C2000&amp;ssl=1\" data-orig-size=\"1409,2000\" data-comments-opened=\"1\" data-image-title=\"1\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?fit=423%2C600&amp;ssl=1\" \/><div class=\"wc-block-components-product-image__inner-container\" style=\"\">\n\n<\/div><\/a><\/div>\n\n<h2 style=\"line-height:1.4;margin-bottom:0.75rem;margin-top:0\" class=\"wp-block-post-title has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Livre_E-book_%E2%80%93_50_astuces_pour_economiser_en_Suisse\"><\/span><a data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\" href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/50-astuces-pour-economiser-en-suisse\/\" target=\"_self\" >Livre E-book &#8211; 50 astuces pour \u00e9conomiser en Suisse<\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div data-block-name=\"woocommerce\/product-price\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-woocommerce-product-price\" ><div class=\"wc-block-components-product-price wc-block-grid__product-price has-font-size has-small-font-size has-text-align-center\" style=\"\" >\n\t\t\t\t\t<span class=\"woocommerce-Price-amount amount\"><bdi><span class=\"woocommerce-Price-currencySymbol\" translate=\"no\" dir=\"auto\">&#67;&#72;&#70;<\/span>&nbsp;15.00<\/bdi><\/span>\n\t\t\t\t<\/div><\/div>\n\n<div data-block-name=\"woocommerce\/product-button\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-button wc-block-components-product-button align-center wp-block-woocommerce-product-button has-small-font-size\"\n\t\t\t\t\t\n\t\t\tdata-wp-interactive=\"woocommerce\/product-button\"\n\t\t\n\t\t\t\t\tdata-wp-context='{\"quantityToAdd\":1,\"addToCartText\":\"Add to basket\",\"tempQuantity\":0,\"animationStatus\":\"IDLE\",\"inTheCartText\":\"### in basket\",\"noticeId\":\"\",\"hasPressedButton\":false}'\n\t\t\t\t>\n\t\t\t\t\t<button\n\t\t\t\t\t\tclass=\"wp-block-button__link wp-element-button wc-block-components-product-button__button add_to_cart_button ajax_add_to_cart product_type_simple has-font-size has-small-font-size has-text-align-center wc-interactive\"\n\t\t\t\t\t\tstyle=\"\"\n\t\t\t\t\t\ttype=\"button\" data-product_id=\"26085\" data-product_sku=\"\" aria-label=\"Add to basket: &ldquo;Livre E-book - 50 astuces pour \u00e9conomiser en Suisse&rdquo;\"\n\t\t\t\t\t\tdata-wp-on--click=\"actions.addCartItem\"\n\t\t\t\t\t>\n\t\t\t\t\t<span \n\t\t\tdata-wp-text=\"state.addToCartText\"\n\t\t\tdata-wp-class--wc-block-slide-in=\"state.slideInAnimation\"\n\t\t\tdata-wp-class--wc-block-slide-out=\"state.slideOutAnimation\"\n\t\t\tdata-wp-on--animationend=\"actions.handleAnimationEnd\"\n\t\t\tdata-wp-watch=\"callbacks.startAnimation\"\n\t\t\tdata-wp-run=\"callbacks.syncTempQuantityOnLoad\"\n\t\t>Add to basket<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<span\n\t\t\t\thidden\n\t\t\t\tdata-wp-bind--hidden=\"!state.displayViewCart\"\n\t\t\t>\n\t\t\t\t<a\n\t\t\t\t\thref=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\"\n\t\t\t\t\tclass=\"added_to_cart wc_forward\"\n\t\t\t\t\ttitle=\"View basket\"\n\t\t\t\t>\n\t\t\t\t\tView basket\n\t\t\t\t<\/a>\n\t\t\t<\/span>\n\t\t\t\t<\/div>\n\n\t\t\t\t<\/li><li class=\"wc-block-product post-26112 product type-product status-publish has-post-thumbnail product_tag-guide-complet-investissement product_tag-livre-finances-personnelles product_tag-livre-investissement product_tag-livre-investissement-boursier product_tag-livre-liberte-financiere product_tag-livre-sp-500  instock downloadable virtual purchasable product-type-simple\"\n\t\t\t\t\t\n\t\t\t\tdata-wp-interactive=\"woocommerce\/product-collection\"\n\t\t\t\tdata-wp-context='woocommerce\/products::{\"productId\":26112,\"variationId\":null}'\n\t\t\t\tdata-wp-key=\"product-item-26112\"\n\t\t\t\n\t\t\t\t>\n\t\t\t\t\t\n<div data-block-name=\"woocommerce\/product-image\" data-image-sizing=\"thumbnail\" data-is-descendent-of-query-loop=\"true\" data-show-sale-badge=\"false\" class=\"wc-block-components-product-image wc-block-grid__product-image wc-block-components-product-image--aspect-ratio-1-1 wp-block-woocommerce-product-image\"><a href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/financer-investir-son-avenir-mode-emploi\/\" data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\"><img decoding=\"async\" width=\"384\" height=\"600\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?fit=384%2C600&amp;ssl=1\" class=\"attachment-large size-large\" alt=\"Livre E-book - Financer son avenir avec la bourse - mode d&#039;emploi\" data-testid=\"product-image\" data-image-id=\"26114\" style=\"object-fit:cover;aspect-ratio:1\/1;\" loading=\"lazy\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?w=512&amp;ssl=1 512w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=192%2C300&amp;ssl=1 192w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=384%2C600&amp;ssl=1 384w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=8%2C12&amp;ssl=1 8w\" sizes=\"auto, (max-width: 384px) 100vw, 384px\" data-attachment-id=\"26114\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/?attachment_id=26114\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?fit=512%2C800&amp;ssl=1\" data-orig-size=\"512,800\" data-comments-opened=\"1\" data-image-title=\"1\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?fit=384%2C600&amp;ssl=1\" \/><div class=\"wc-block-components-product-image__inner-container\" style=\"\">\n\n<\/div><\/a><\/div>\n\n<h2 style=\"line-height:1.4;margin-bottom:0.75rem;margin-top:0\" class=\"wp-block-post-title has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Livre_E-book_%E2%80%93_Financer_son_avenir_avec_la_bourse_%E2%80%93_mode_demploi\"><\/span><a data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\" href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/financer-investir-son-avenir-mode-emploi\/\" target=\"_self\" >Livre E-book &#8211; Financer son avenir avec la bourse &#8211; mode d&#8217;emploi<\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div data-block-name=\"woocommerce\/product-price\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-woocommerce-product-price\" ><div class=\"wc-block-components-product-price wc-block-grid__product-price has-font-size has-small-font-size has-text-align-center\" style=\"\" >\n\t\t\t\t\t<span class=\"woocommerce-Price-amount amount\"><bdi><span class=\"woocommerce-Price-currencySymbol\" translate=\"no\" dir=\"auto\">&#67;&#72;&#70;<\/span>&nbsp;15.00<\/bdi><\/span>\n\t\t\t\t<\/div><\/div>\n\n<div data-block-name=\"woocommerce\/product-button\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-button wc-block-components-product-button align-center wp-block-woocommerce-product-button has-small-font-size\"\n\t\t\t\t\t\n\t\t\tdata-wp-interactive=\"woocommerce\/product-button\"\n\t\t\n\t\t\t\t\tdata-wp-context='{\"quantityToAdd\":1,\"addToCartText\":\"Add to basket\",\"tempQuantity\":0,\"animationStatus\":\"IDLE\",\"inTheCartText\":\"### in basket\",\"noticeId\":\"\",\"hasPressedButton\":false}'\n\t\t\t\t>\n\t\t\t\t\t<button\n\t\t\t\t\t\tclass=\"wp-block-button__link wp-element-button wc-block-components-product-button__button add_to_cart_button ajax_add_to_cart product_type_simple has-font-size has-small-font-size has-text-align-center wc-interactive\"\n\t\t\t\t\t\tstyle=\"\"\n\t\t\t\t\t\ttype=\"button\" data-product_id=\"26112\" data-product_sku=\"\" aria-label=\"Add to basket: &ldquo;Livre E-book - Financer son avenir avec la bourse - mode d&#039;emploi&rdquo;\"\n\t\t\t\t\t\tdata-wp-on--click=\"actions.addCartItem\"\n\t\t\t\t\t>\n\t\t\t\t\t<span \n\t\t\tdata-wp-text=\"state.addToCartText\"\n\t\t\tdata-wp-class--wc-block-slide-in=\"state.slideInAnimation\"\n\t\t\tdata-wp-class--wc-block-slide-out=\"state.slideOutAnimation\"\n\t\t\tdata-wp-on--animationend=\"actions.handleAnimationEnd\"\n\t\t\tdata-wp-watch=\"callbacks.startAnimation\"\n\t\t\tdata-wp-run=\"callbacks.syncTempQuantityOnLoad\"\n\t\t>Add to basket<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<span\n\t\t\t\thidden\n\t\t\t\tdata-wp-bind--hidden=\"!state.displayViewCart\"\n\t\t\t>\n\t\t\t\t<a\n\t\t\t\t\thref=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\"\n\t\t\t\t\tclass=\"added_to_cart wc_forward\"\n\t\t\t\t\ttitle=\"View basket\"\n\t\t\t\t>\n\t\t\t\t\tView basket\n\t\t\t\t<\/a>\n\t\t\t<\/span>\n\t\t\t\t<\/div>\n\n\t\t\t\t<\/li><li class=\"wc-block-product post-26137 product type-product status-publish has-post-thumbnail product_tag-anti-surconsommation product_tag-autodiscipline product_tag-autonomie product_tag-ecologie product_tag-economie product_tag-epargne product_tag-bien-etre product_tag-bonheur product_tag-bonheur-durable product_tag-consommation-consciente product_tag-desencombrement product_tag-developpement-personnel product_tag-essentialisme product_tag-frugalite product_tag-liberte-financiere product_tag-minimalisme product_tag-mode-de-vie-alternatif product_tag-moins-mais-mieux product_tag-simplicite-volontaire product_tag-slow-living product_tag-sobriete-heureuse product_tag-vie-simple  instock downloadable shipping-taxable purchasable product-type-simple\"\n\t\t\t\t\t\n\t\t\t\tdata-wp-interactive=\"woocommerce\/product-collection\"\n\t\t\t\tdata-wp-context='woocommerce\/products::{\"productId\":26137,\"variationId\":null}'\n\t\t\t\tdata-wp-key=\"product-item-26137\"\n\t\t\t\n\t\t\t\t>\n\t\t\t\t\t\n<div data-block-name=\"woocommerce\/product-image\" data-image-sizing=\"thumbnail\" data-is-descendent-of-query-loop=\"true\" data-show-sale-badge=\"false\" class=\"wc-block-components-product-image wc-block-grid__product-image wc-block-components-product-image--aspect-ratio-1-1 wp-block-woocommerce-product-image\"><a href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/libere-toi-de-la-surconsommation\/\" data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\"><img decoding=\"async\" width=\"376\" height=\"600\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?fit=376%2C600&amp;ssl=1\" class=\"attachment-large size-large\" alt=\"Guide E-book - Lib\u00e8re-toi de la surconsommation\" data-testid=\"product-image\" data-image-id=\"26138\" style=\"object-fit:cover;aspect-ratio:1\/1;\" loading=\"lazy\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?w=1410&amp;ssl=1 1410w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=188%2C300&amp;ssl=1 188w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=376%2C600&amp;ssl=1 376w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=768%2C1226&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=963%2C1536&amp;ssl=1 963w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=1283%2C2048&amp;ssl=1 1283w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=8%2C12&amp;ssl=1 8w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=1320%2C2106&amp;ssl=1 1320w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=600%2C957&amp;ssl=1 600w\" sizes=\"auto, (max-width: 376px) 100vw, 376px\" data-attachment-id=\"26138\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/?attachment_id=26138\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?fit=1410%2C2250&amp;ssl=1\" data-orig-size=\"1410,2250\" data-comments-opened=\"1\" data-image-meta=\"{&quot;orientation&quot;:&quot;1&quot;}\" data-image-title=\"pochette lib\u00e8re-toi de la surconsommation\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?fit=376%2C600&amp;ssl=1\" \/><div class=\"wc-block-components-product-image__inner-container\" style=\"\">\n\n<\/div><\/a><\/div>\n\n<h2 style=\"line-height:1.4;margin-bottom:0.75rem;margin-top:0\" class=\"wp-block-post-title has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Guide_E-book_%E2%80%93_Libere-toi_de_la_surconsommation\"><\/span><a data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\" href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/libere-toi-de-la-surconsommation\/\" target=\"_self\" >Guide E-book &#8211; Lib\u00e8re-toi de la surconsommation<\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div data-block-name=\"woocommerce\/product-price\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-woocommerce-product-price\" ><div class=\"wc-block-components-product-price wc-block-grid__product-price has-font-size has-small-font-size has-text-align-center\" style=\"\" >\n\t\t\t\t\t<span class=\"woocommerce-Price-amount amount\"><bdi><span class=\"woocommerce-Price-currencySymbol\" translate=\"no\" dir=\"auto\">&#67;&#72;&#70;<\/span>&nbsp;10.00<\/bdi><\/span>\n\t\t\t\t<\/div><\/div>\n\n<div data-block-name=\"woocommerce\/product-button\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-button wc-block-components-product-button align-center wp-block-woocommerce-product-button has-small-font-size\"\n\t\t\t\t\t\n\t\t\tdata-wp-interactive=\"woocommerce\/product-button\"\n\t\t\n\t\t\t\t\tdata-wp-context='{\"quantityToAdd\":1,\"addToCartText\":\"Add to basket\",\"tempQuantity\":0,\"animationStatus\":\"IDLE\",\"inTheCartText\":\"### in basket\",\"noticeId\":\"\",\"hasPressedButton\":false}'\n\t\t\t\t>\n\t\t\t\t\t<button\n\t\t\t\t\t\tclass=\"wp-block-button__link wp-element-button wc-block-components-product-button__button add_to_cart_button ajax_add_to_cart product_type_simple has-font-size has-small-font-size has-text-align-center wc-interactive\"\n\t\t\t\t\t\tstyle=\"\"\n\t\t\t\t\t\ttype=\"button\" data-product_id=\"26137\" data-product_sku=\"\" aria-label=\"Add to basket: &ldquo;Guide E-book - Lib\u00e8re-toi de la surconsommation&rdquo;\"\n\t\t\t\t\t\tdata-wp-on--click=\"actions.addCartItem\"\n\t\t\t\t\t>\n\t\t\t\t\t<span \n\t\t\tdata-wp-text=\"state.addToCartText\"\n\t\t\tdata-wp-class--wc-block-slide-in=\"state.slideInAnimation\"\n\t\t\tdata-wp-class--wc-block-slide-out=\"state.slideOutAnimation\"\n\t\t\tdata-wp-on--animationend=\"actions.handleAnimationEnd\"\n\t\t\tdata-wp-watch=\"callbacks.startAnimation\"\n\t\t\tdata-wp-run=\"callbacks.syncTempQuantityOnLoad\"\n\t\t>Add to basket<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<span\n\t\t\t\thidden\n\t\t\t\tdata-wp-bind--hidden=\"!state.displayViewCart\"\n\t\t\t>\n\t\t\t\t<a\n\t\t\t\t\thref=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\"\n\t\t\t\t\tclass=\"added_to_cart wc_forward\"\n\t\t\t\t\ttitle=\"View basket\"\n\t\t\t\t>\n\t\t\t\t\tView basket\n\t\t\t\t<\/a>\n\t\t\t<\/span>\n\t\t\t\t<\/div>\n\n\t\t\t\t<\/li><\/ul>\n\n<\/div>\n\n\n\n<p class=\"has-text-align-center has-background wp-block-paragraph\" style=\"background-color:#080034\"><em>\u26a0\ufe0f <strong>Disclaimer<\/strong> : Cet article analyse les rendements pass\u00e9s et ne constitue <strong>pas un conseil en investissement<\/strong>. Les march\u00e9s financiers comportent des risques, y compris une perte en capital. Pour des conseils personnalis\u00e9s, consulte un expert.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-2\"><span class=\"ez-toc-section\" id=\"Le_3a_en_bref\"><\/span><strong>Le 3a en bref <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Si tu d\u00e9butes avec le 3e pilier, je t\u2019invite \u00e0 consulter <a href=\"https:\/\/minimalistefrugaliste.com\/comprendre-les-3-piliers-suisses-en-5-minutes\/\" target=\"_blank\" rel=\"noreferrer noopener\">ma page d\u00e9di\u00e9e \u00e0 l\u2019investissement<\/a> pour une explication d\u00e9taill\u00e9e. Voici l\u2019essentiel \u00e0 retenir :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Le <strong>compte 3a<\/strong> est un <strong>compte d\u2019\u00e9pargne-retraite individuel<\/strong> en Suisse, con\u00e7u pour compl\u00e9ter les 1er et 2e piliers. Il permet de financer des projets sp\u00e9cifiques (achat d\u2019un logement, retraite, etc.) <strong>sous quelques conditions<\/strong>.<\/li>\n\n\n\n<li><strong>Avantage fiscal<\/strong> : Les <strong>versements sont d\u00e9ductibles des imp\u00f4ts<\/strong>, ce qui r\u00e9duit ta charge fiscale annuelle.<\/li>\n\n\n\n<li><strong>Flexibilit\u00e9<\/strong> : Selon le prestataire, tu peux investir ton \u00e9pargne dans diff\u00e9rents <strong>actifs financiers<\/strong> (liquidit\u00e9s, actions, obligations, etc.).<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udca1 <em>Pourquoi c\u2019est int\u00e9ressant ?<\/em><br>En 2026, avec une inflation persistante, <strong>placer ton argent sur un compte 3a \u00e0 1% en liquidit\u00e9s ne suffit plus<\/strong> pour pr\u00e9server ton pouvoir d\u2019achat. D\u2019o\u00f9 l\u2019importance de choisir une <strong>strat\u00e9gie adapt\u00e9e<\/strong> qui sera rentable plus tard.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-3\"><span class=\"ez-toc-section\" id=\"Ou_placer_son_3a\"><\/span><strong>O\u00f9 placer son 3a ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Il existe <strong>3 types de prestataires<\/strong> pour ouvrir un 3a. Voici leurs caract\u00e9ristiques :<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--1\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Type<\/th><th class=\"has-text-align-center\" data-align=\"center\">Avantages<\/th><th class=\"has-text-align-center\" data-align=\"center\">Inconv\u00e9nients<\/th><th class=\"has-text-align-center\" data-align=\"center\">Mon avis<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Assurances<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">S\u00e9curit\u00e9, garantie en capital<\/td><td class=\"has-text-align-center\" data-align=\"center\">Frais \u00e9lev\u00e9s, rendements souvent faibles<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u274c \u00c0 \u00e9viter (sauf cas sp\u00e9cifiques)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Banques<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Simplicit\u00e9, liquidit\u00e9s accessibles<\/td><td class=\"has-text-align-center\" data-align=\"center\">Taux d\u2019int\u00e9r\u00eat bas (~1%), frais cach\u00e9s<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u26a0\ufe0f Peu optimal pour la croissance<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Fonds de pr\u00e9voyance<\/strong> (ex: <strong>Viac, Finpension<\/strong>)<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Frais r\u00e9duits<\/strong> (&lt; 0.45%), <strong>strat\u00e9gies diversifi\u00e9es<\/strong> (bourse, immobilier, etc.)<\/td><td class=\"has-text-align-center\" data-align=\"center\">Volatilit\u00e9 si investi en actions<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2705 <strong>Ma pr\u00e9f\u00e9rence<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Pourquoi choisir un fonds de pr\u00e9voyance comme compte 3a ?<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Transparence<\/strong> : Frais clairs et souvent <strong>inf\u00e9rieurs \u00e0 0.45%<\/strong> (contre 1% ou plus dans certainnes banques).<\/li>\n\n\n\n<li><strong>Performance<\/strong> : Acc\u00e8s \u00e0 des <strong>strat\u00e9gies boursi\u00e8res<\/strong> (ETF, fonds indiciels) avec des rendements historiques sup\u00e9rieurs.<\/li>\n\n\n\n<li><strong>Flexibilit\u00e9<\/strong> : Possibilit\u00e9 de <strong>mixer les actifs<\/strong> (liquidit\u00e9s, actions, immobilier, etc afin de diversifier son placement).<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-4\"><span class=\"ez-toc-section\" id=\"Les_strategies_dinvestissement_%F0%9F%93%88\"><\/span><strong>Les strat\u00e9gies d\u2019investissement \ud83d\udcc8<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ton compte 3a peut \u00eatre investi dans <strong>5 grandes classes d\u2019actifs<\/strong> :<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--2\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Actif<\/th><th class=\"has-text-align-center\" data-align=\"center\">Description<\/th><th class=\"has-text-align-center\" data-align=\"center\">Niveau de risque<\/th><th class=\"has-text-align-center\" data-align=\"center\">Rendement moyen (2013\u20132023)<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Liquidit\u00e9s<\/strong> \ud83d\udcb2<\/td><td class=\"has-text-align-center\" data-align=\"center\">Compte \u00e9pargne avec int\u00e9r\u00eats<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tr\u00e8s faible<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>1% \u2013 1.5%<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Actions (Bourse)<\/strong> \ud83d\udcc8<\/td><td class=\"has-text-align-center\" data-align=\"center\">Actions d\u2019entreprises et ETF (Suisse\/monde)<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00c9lev\u00e9<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>6.4% \u2013 9%<\/strong> (selon strat\u00e9gie)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Immobilier<\/strong> \ud83c\udfe0<\/td><td class=\"has-text-align-center\" data-align=\"center\">Investissement dans des biens immobiliers<\/td><td class=\"has-text-align-center\" data-align=\"center\">Mod\u00e9r\u00e9<\/td><td class=\"has-text-align-center\" data-align=\"center\">Variable (inclus dans les strat\u00e9gies mixtes)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Mati\u00e8res premi\u00e8res<\/strong> \ud83c\udf15<\/td><td class=\"has-text-align-center\" data-align=\"center\">Or, m\u00e9taux, etc.<\/td><td class=\"has-text-align-center\" data-align=\"center\">Mod\u00e9r\u00e9 \u00e0 \u00e9lev\u00e9<\/td><td class=\"has-text-align-center\" data-align=\"center\">Variable<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Obligations<\/strong> \ud83d\udcb2<\/td><td class=\"has-text-align-center\" data-align=\"center\">Pr\u00eats aux \u00c9tats\/entreprises avec int\u00e9r\u00eats<\/td><td class=\"has-text-align-center\" data-align=\"center\">Faible \u00e0 mod\u00e9r\u00e9<\/td><td class=\"has-text-align-center\" data-align=\"center\">~2% \u2013 4%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-5\"><span class=\"ez-toc-section\" id=\"Les_3_grandes_approches\"><\/span><strong>Les 3 grandes approches<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Nous avons analys\u00e9 dans le chapitre ant\u00e9rieur qu&#8217;il y a 5 approches. Notons que de mani\u00e8re g\u00e9n\u00e9rale, il y a 3 grandes approches afin d&#8217;investir son 3a:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>100% liquidit\u00e9s<\/strong> : S\u00e9curit\u00e9 maximale, mais <strong>rendement faible<\/strong> (1\u20131.5%).<br>\u2192 <em>Id\u00e9al si tu as besoin de liquidit\u00e9s \u00e0 court terme (ex: achat immobilier dans 2 ans).<\/em><\/li>\n\n\n\n<li><strong>99% en bourse<\/strong> : <strong>Rendement \u00e9lev\u00e9<\/strong> (6.4%\u20138% annualis\u00e9 sur 10 ans), mais <strong>volatilit\u00e9 importante<\/strong>.<br>\u2192 <em>\u00c0 privil\u00e9gier pour un horizon <strong>long terme<\/strong> (+10 ans).<\/em><\/li>\n\n\n\n<li><strong>Mix personnalis\u00e9<\/strong> : Combinaison de liquidit\u00e9s, actions, immobilier, etc.<br>\u2192 <em>Pour \u00e9quilibrer risque et rendement.<\/em><\/li>\n<\/ol>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6af50525c1a75&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6af50525c1a75\" class=\"wp-block-image aligncenter size-large is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"600\" data-attachment-id=\"32282\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/quelle-strategie-choisir-investir-3a\/minimaliste-et-frugaliste-6a86b73307e5c\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a86b73307e5c.png?fit=1024%2C1024&amp;ssl=1\" data-orig-size=\"1024,1024\" data-comments-opened=\"1\" data-image-title=\"Choosing Between Global Stock Exchanges\" data-image-description=\"&lt;p&gt;A colorful illustrated scene shows a thoughtful young investor standing between three financial market displays labeled \u201cLIQUIDIT\u00c9\u2019S,\u201d \u201cBOURSE GLOBALE,\u201d and \u201cBOURSE SUISSE.\u201d Stock charts, currency symbols, flags, coins, money bags, clocks, Swiss mountains, and market icons surround him, emphasizing international investing and decision-making. Bright neon signs, cool blue tones, and contrasting green, red, and orange accents create a lively financial theme.&lt;\/p&gt;\n\" data-image-caption=\"&lt;p&gt;A thoughtful investor weighs opportunities across French, global, and Swiss financial markets.&lt;\/p&gt;\n\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a86b73307e5c.png?fit=600%2C600&amp;ssl=1\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a86b73307e5c.png?resize=600%2C600&#038;ssl=1\" alt=\"Young investor comparing French, global, and Swiss stock markets - Quelle strat\u00e9gie choisir pour investir son 3a?\" class=\"wp-image-32282\" style=\"width:268px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a86b73307e5c.png?resize=600%2C600&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a86b73307e5c.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a86b73307e5c.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a86b73307e5c.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a86b73307e5c.png?resize=12%2C12&amp;ssl=1 12w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a86b73307e5c.png?resize=100%2C100&amp;ssl=1 100w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a86b73307e5c.png?w=1024&amp;ssl=1 1024w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-6\"><span class=\"ez-toc-section\" id=\"Comparaison_des_performances_%F0%9F%93%88\"><\/span><strong>Comparaison des performances \ud83d\udcc8<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Notons que les rendements pass\u00e9s ne garantissent pas les rendements futurs. Mais afin de donner un exemple, voici les <strong>rendements annualis\u00e9s approximatifs<\/strong> (2016\u20132025) des strat\u00e9gies propos\u00e9es par <strong>Viac<\/strong> et <strong>Finpension<\/strong>:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--3\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Strat\u00e9gie<\/th><th class=\"has-text-align-center\" data-align=\"center\"> 5 ans\/an<\/th><th class=\"has-text-align-center\" data-align=\"center\">10 ans\/an<\/th><th class=\"has-text-align-center\" data-align=\"center\">Volatilit\u00e9<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">\ud83c\udf0d <strong>Global 100<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>\u2248 6,3 %<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>\u2248 9 %<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00e9lev\u00e9e<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\ud83c\udde8\ud83c\udded <strong>Suisse 100<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>\u2248 6 %<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>\u2248 9 %<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00e9lev\u00e9e<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\ud83c\udf0d <strong>Global 60<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>\u2248<\/strong> <strong>5,5 %<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>\u2248<\/strong> <strong>6,5 %<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Moyenne<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\ud83c\udf0d <strong>Global 20<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>\u2248 2 %<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>\u2248 2,5 %<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Plut\u00f4t basse<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\ud83d\udcb0 <strong>Liquidit\u00e9s \/ 0 % actions<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>0,20 %<\/strong> d&#8217;int\u00e9r\u00eat<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>0,20 %<\/strong> d&#8217;int\u00e9r\u00eat<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tr\u00e8s basse<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-7\"><span class=\"ez-toc-section\" id=\"Analyse_des_resultats\"><\/span><strong> Analyse des r\u00e9sultats<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>La bourse surperforme sur une longue dur\u00e9e<\/strong> (plus de 10 ans) : Les strat\u00e9gies <strong>100% actions<\/strong> (Global\/Suisse\/Durable) offrent un rendement <strong>5 \u00e0 8 fois sup\u00e9rieur<\/strong> aux liquidit\u00e9s (1%).<br>\u2192 <em>Exemple : CHF 100\u2019000 investis en Global 100 <\/em>apr\u00e8s<em> 10 ans = <strong>~CHF 190\u2019000<\/strong> (vs ~CHF 115\u2019000 en liquidit\u00e9s).<\/em><\/li>\n\n\n\n<li><strong>Les strat\u00e9gies mixtes<\/strong> (Global 60) : <strong>Moins volatiles<\/strong> que 100% actions, mais <strong>rendement inf\u00e9rieur<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Analysons un point essentiel, en r\u00e9alit\u00e9, l&#8217;inflation a \u00e9t\u00e9 plus \u00e9lev\u00e9e que les rendements d&#8217;une strat\u00e9gie 100% liquidit\u00e9s. C&#8217;est-\u00e0-dire, investir dans un compte 3a avec 100% en liquidit\u00e9s n&#8217;est historiquement pas rentable.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En conclusion : si tu acceptes une certaine dose de risque et tu souhaites fructifier ton 3a = 3a global 100 ou 3a suisse 100.<br>Si n&#8217;acceptes pas une dose de risque et tu souhaites que ton 3a stabilitse = liquidit\u00e9s, mais ton rendement sera tr\u00e8s faible.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-8\"><span class=\"ez-toc-section\" id=\"Les_frais_a_surveiller\"><\/span><strong>Les frais \u00e0 surveiller <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Les <strong>commissions<\/strong> r\u00e9duisent ton rendement net. Voici ce qu\u2019il faut savoir :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Frais moyens en Suisse<\/strong> :\n<ul class=\"wp-block-list\">\n<li><strong>Banques\/assurances<\/strong> : 0.5% \u2013 1.5% (voire plus).<\/li>\n\n\n\n<li><strong>Fonds de pr\u00e9voyance (Viac, Finpension)<\/strong> : <strong>Moins de 0.45%<\/strong> (parmi les moins chers).<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Sur 30, l&#8217;impact est \u00e9norme. En effet, <strong>0.10% de frais en plus<\/strong> = <strong>Des milliers de CHF perdus<\/strong> sur un capital de CHF 100\u2019000.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 <strong>Mon conseil<\/strong> :<br>Privil\u00e9gie un <strong>fonds de pr\u00e9voyance \u00e0 frais r\u00e9duits<\/strong> qui ont un bon historique de rendement (ex: Viac, Finpension) et <strong>\u00e9vite les assurances\/banques<\/strong> si ton objectif est la <strong>performance<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-vivid-red-background-color has-background\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Quelle strat\u00e9gie choisir pour ton 3a ?<\/strong> On r\u00e9sume avec ce tableau :<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--4\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Profil<\/th><th class=\"has-text-align-center\" data-align=\"center\">Strat\u00e9gie recommand\u00e9e<\/th><th class=\"has-text-align-center\" data-align=\"center\">Pourquoi ?<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Prudent<\/strong> (horizon &lt; 5 ans)<\/td><td class=\"has-text-align-center\" data-align=\"center\">100% liquidit\u00e9s ou Global 20<\/td><td class=\"has-text-align-center\" data-align=\"center\">S\u00e9curit\u00e9, mais rendement faible<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>\u00c9quilibr\u00e9<\/strong> (horizon 5\u201310 ans)<\/td><td class=\"has-text-align-center\" data-align=\"center\">Global 60<\/td><td class=\"has-text-align-center\" data-align=\"center\">Bon compromis risque\/rendement<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Dynamique<\/strong> (horizon &gt; 10 ans)<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Global 100 ou Suisse 100<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Meilleur rendement historique<\/strong> (6.4%\u20139%)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udca1 <strong>Ma pr\u00e9f\u00e9rence personnelle<\/strong> :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>99% en bourse<\/strong> (strat\u00e9gie <strong>Global 100<\/strong> ou <strong>Durable 100<\/strong>) via un <strong>fonds de pr\u00e9voyance \u00e0 frais r\u00e9duits<\/strong> (ex: Viac ou Finpension ).<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Pourquoi? <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Rendement sup\u00e9rieur<\/strong> sur le long terme.<\/li>\n\n\n\n<li><strong>Diversification automatique<\/strong> (ETF mondiaux).<\/li>\n\n\n\n<li><strong>Frais assez bas<\/strong> (Moins de 0.45%).<\/li>\n<\/ul>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6af50525c2550&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6af50525c2550\" class=\"wp-block-image aligncenter size-large is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1264\" height=\"843\" data-attachment-id=\"32289\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/quelle-strategie-choisir-investir-3a\/minimaliste-et-frugaliste-6a86b99849322\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a86b99849322.png?fit=1264%2C843&amp;ssl=1\" data-orig-size=\"1264,843\" data-comments-opened=\"1\" data-image-title=\"comparatif 3a suisse global 100, suisse 100, liquidit\u00e9s\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a86b99849322.png?fit=600%2C400&amp;ssl=1\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a86b99849322.png?resize=1264%2C843&#038;ssl=1\" alt=\"Quelle strat\u00e9gie choisir pour investir son 3a? - Comparatif global 100 et 100% liquidit\u00e9s\n\" class=\"wp-image-32289\" style=\"aspect-ratio:1.4843689964721087;width:564px;height:auto\" title=\"comparatif 3a suisse global 100, suisse 100, liquidit\u00e9s\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a86b99849322.png?w=1264&amp;ssl=1 1264w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a86b99849322.png?resize=300%2C200&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a86b99849322.png?resize=600%2C400&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a86b99849322.png?resize=768%2C512&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a86b99849322.png?resize=18%2C12&amp;ssl=1 18w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<h6 class=\"wp-block-heading has-text-align-center has-background\" style=\"background-color:#170a45\"><strong>Note \u2757 Cet article n&#8217;est pas un conseil d&#8217;investissement. <span style=\"text-decoration: underline;\">Uniquement une recherche sur le rendement pass\u00e9<\/span>. Les investissements peuvent provoquer une perte d&#8217;argent.<\/strong><\/h6>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-vivid-red-background-color has-background\"><span class=\"ez-toc-section\" id=\"FAQ_Tout_savoir_sur_le_3e_pilier_3a_en_Suisse\"><\/span><strong>FAQ : Tout savoir sur le 3e pilier (3a) en Suisse<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-9\"><span class=\"ez-toc-section\" id=\"Quest-ce_que_le_3e_pilier_3a_en_Suisse\"><\/span><strong>Qu\u2019est-ce que le 3e pilier (3a) en Suisse ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Le <strong>3e pilier (3a)<\/strong> est un <strong>compte d\u2019\u00e9pargne-retraite individuel<\/strong> en Suisse, con\u00e7u pour compl\u00e9ter les 1er et 2e piliers. En v\u00e9rit\u00e9, il permet de <strong>pr\u00e9parer sa retraite<\/strong> ou de financer des projets sp\u00e9cifiques (comme l\u2019achat d\u2019un logement) <strong>sous conditions<\/strong>. Les <strong>versements sont d\u00e9ductibles des imp\u00f4ts<\/strong>, ce qui r\u00e9duit ta charge fiscale annuelle. Contrairement \u00e0 un compte \u00e9pargne classique, le 3a offre des <strong>avantages fiscaux<\/strong> tout en permettant d\u2019investir dans diff\u00e9rents <strong>actifs financiers<\/strong> (liquidit\u00e9s, actions, obligations, etc.).<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-10\"><span class=\"ez-toc-section\" id=\"Quels_sont_les_avantages_fiscaux_du_3a\"><\/span><strong>Quels sont les avantages fiscaux du 3a ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Le principal avantage du <strong>3e pilier 3a<\/strong> est la <strong>d\u00e9duction fiscale<\/strong>. En effet, les montants vers\u00e9s sont <strong>d\u00e9ductibles de ton revenu imposable<\/strong>, ce qui r\u00e9duit directement tes imp\u00f4ts. Par exemple, si tu verses <strong>CHF 6\u2019883.\u2013<\/strong> (plafond 2026 pour les salari\u00e9s), tu \u00e9conomises jusqu\u2019\u00e0 <strong>CHF 2\u2019000.\u2013 ou plus<\/strong> en imp\u00f4ts, selon ton taux marginal. De plus, les <strong>int\u00e9r\u00eats et gains en capital<\/strong> g\u00e9n\u00e9r\u00e9s dans le 3a sont <strong>exon\u00e9r\u00e9s d\u2019imp\u00f4t<\/strong> tant que l\u2019argent reste sur le compte.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-11\"><span class=\"ez-toc-section\" id=\"Ou_ouvrir_un_compte_3a_en_Suisse\"><\/span><strong>O\u00f9 ouvrir un compte 3a en Suisse ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Tu peux ouvrir un <strong>compte 3a<\/strong> aupr\u00e8s de <strong>trois types de prestataires<\/strong> :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Les banques<\/strong> : Simplicit\u00e9, mais <strong>taux d\u2019int\u00e9r\u00eat bas<\/strong> (~1%) et parfois des frais cach\u00e9s.<\/li>\n\n\n\n<li><strong>Les assurances<\/strong> : S\u00e9curit\u00e9 et garantie en capital, mais <strong>frais \u00e9lev\u00e9s<\/strong> et rendements souvent faibles.<\/li>\n\n\n\n<li><strong>Les fonds de pr\u00e9voyance<\/strong> (ex: <strong>Viac, Finpension<\/strong>) : <strong>Frais r\u00e9duits<\/strong> (&lt; 0.45%), <strong>strat\u00e9gies diversifi\u00e9es<\/strong> (bourse, immobilier, etc.) et <strong>meilleurs rendements historiques<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Pour maximiser ton \u00e9pargne, je recommande un <strong>fonds de pr\u00e9voyance<\/strong> comme Viac ou Finpension.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-12\"><span class=\"ez-toc-section\" id=\"Quelle_est_la_difference_entre_un_3a_en_banque_et_un_3a_en_fonds_de_prevoyance\"><\/span><strong>Quelle est la diff\u00e9rence entre un 3a en banque et un 3a en fonds de pr\u00e9voyance ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Un <strong>3a en banque<\/strong> est g\u00e9n\u00e9ralement plac\u00e9 en <strong>liquidit\u00e9s<\/strong> avec un <strong>taux d\u2019int\u00e9r\u00eat faible<\/strong> (1\u20131.5%). Il est <strong>peu risqu\u00e9<\/strong>, mais ne couvre pas l\u2019inflation.<br>Un <strong>3a en fonds de pr\u00e9voyance<\/strong> par exemple: Viac) permet d\u2019investir dans des <strong>strat\u00e9gies boursi\u00e8res<\/strong> (ETF, actions) ou des <strong>actifs diversifi\u00e9s<\/strong> (immobilier, mati\u00e8res premi\u00e8res). En r\u00e9alit\u00e9, les <strong>frais sont plus bas<\/strong> (moins de 0.45%) et les <strong>rendements historiques plus \u00e9lev\u00e9s<\/strong> (6\u20138% annualis\u00e9 pour les strat\u00e9gies 100% actions).<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-13\"><span class=\"ez-toc-section\" id=\"Quelles_sont_les_strategies_dinvestissement_possibles_pour_un_3a\"><\/span><strong>Quelles sont les strat\u00e9gies d\u2019investissement possibles pour un 3a ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Avec un <strong>3a<\/strong>, tu peux choisir parmi <strong>5 grandes classes d\u2019actifs<\/strong> :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Liquidit\u00e9s<\/strong> : S\u00e9curit\u00e9 maximale, mais <strong>rendement faible<\/strong> (1\u20131.5%).<\/li>\n\n\n\n<li><strong>Actions (bourse)<\/strong> : <strong>Rendement \u00e9lev\u00e9<\/strong> (6\u20138% annualis\u00e9 sur 10 ans), mais <strong>volatilit\u00e9 importante<\/strong>.<\/li>\n\n\n\n<li><strong>Immobilier<\/strong> : Investissement dans des biens immobiliers (stabilit\u00e9 mod\u00e9r\u00e9e).<\/li>\n\n\n\n<li><strong>Mati\u00e8res premi\u00e8res<\/strong> (or, m\u00e9taux, etc.) : Protection contre l\u2019inflation, mais <strong>volatilit\u00e9 variable<\/strong>.<\/li>\n\n\n\n<li><strong>Obligations<\/strong> : Pr\u00eats aux \u00c9tats ou entreprises, avec un <strong>rendement mod\u00e9r\u00e9<\/strong> (2\u20134%).<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Les <strong>strat\u00e9gies les plus populaires<\/strong> sont :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>100% liquidit\u00e9s<\/strong> (pour les profils prudents).<\/li>\n\n\n\n<li><strong>99% en bourse<\/strong> (pour les investisseurs dynamiques).<\/li>\n\n\n\n<li><strong>Mix personnalis\u00e9<\/strong> (ex: 60% actions, 40% liquidit\u00e9s\/obligations).<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-14\"><span class=\"ez-toc-section\" id=\"Quelle_strategie_3a_offre_le_meilleur_rendement\"><\/span><strong>Quelle strat\u00e9gie 3a offre le meilleur rendement ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">D\u2019apr\u00e8s les <strong>donn\u00e9es historiques (2016\u20132025)<\/strong> de Viac et Finpension, les <strong>strat\u00e9gies 100% actions<\/strong> (Global 100, Suisse 100, Durable 100) offrent les <strong>meilleurs rendements<\/strong> :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Global 100<\/strong> : <strong>7-9% annualis\u00e9<\/strong> sur 10 ans.<\/li>\n\n\n\n<li><strong>Suisse 100<\/strong> : <strong>6-8% annualis\u00e9<\/strong> sur 10 ans.<\/li>\n\n\n\n<li><strong>Durable 100<\/strong> : <strong>6-8% annualis\u00e9<\/strong> sur 5 ans.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">En comparaison, les <strong>liquidit\u00e9s<\/strong> rapportent seulement <strong>1\u20131.5%<\/strong>, et les <strong>strat\u00e9gies mixtes<\/strong> (ex: Global 60) offrent un rendement interm\u00e9diaire (<strong>5.3% annualis\u00e9<\/strong>).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u26a0\ufe0f <strong>Attention<\/strong> : Les <strong>performances pass\u00e9es ne garantissent pas les r\u00e9sultats futurs<\/strong>, et les actions comportent un <strong>risque de volatilit\u00e9<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-15\"><span class=\"ez-toc-section\" id=\"Quels_sont_les_risques_dinvestir_son_3a_en_bourse\"><\/span><strong>Quels sont les risques d\u2019investir son 3a en bourse ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Investir son <strong>3a en bourse<\/strong> (actions, ETF) pr\u00e9sente <strong>deux principaux risques<\/strong> :<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Volatilit\u00e9<\/strong> : Ton capital peut <strong>baisser temporairement<\/strong> (ex: -10% sur un mois) avant de remonter. C\u2019est pourquoi cette strat\u00e9gie est <strong>r\u00e9serv\u00e9e aux horizons longs<\/strong> (+10 ans).<\/li>\n\n\n\n<li><strong>Perte en capital<\/strong> : Bien que les <strong>ETF mondiaux<\/strong> (comme ceux propos\u00e9s par Viac) soient diversifi\u00e9s, il existe un <strong>risque de perte<\/strong> si les march\u00e9s baissent durablement.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">En revanche, sur le <strong>long terme<\/strong>, la bourse a historiquement <strong>surcharg\u00e9 les autres actifs<\/strong> (liquidit\u00e9s, obligations).<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-16\"><span class=\"ez-toc-section\" id=\"Combien_coute_un_compte_3a_en_frais_de_gestion\"><\/span><strong>Combien co\u00fbte un compte 3a en frais de gestion ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Les <strong>frais de gestion<\/strong> varient selon le prestataire :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Banques\/assurances<\/strong> : <strong>0.5% \u00e0 1.5%<\/strong> (voire plus).<\/li>\n\n\n\n<li><strong>Fonds de pr\u00e9voyance<\/strong> (Viac, Finpension) : <strong>&lt; 0.45%<\/strong> (parmi les moins chers).<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udca1 <strong>Exemple<\/strong> : Avec <strong>CHF 100\u2019000<\/strong> investis pendant 30 ans :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>0.5% de frais<\/strong> vs <strong>0.4% de frais<\/strong> = <strong>CHF 10\u2019000+ de diff\u00e9rence<\/strong> sur la p\u00e9riode.<br>C\u2019est pourquoi je recommande de <strong>choisir un fonds de pr\u00e9voyance \u00e0 frais r\u00e9duits<\/strong>.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-17\"><span class=\"ez-toc-section\" id=\"Peut-on_perdre_de_largent_avec_un_3a\"><\/span><strong>Peut-on perdre de l\u2019argent avec un 3a ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Oui, <strong>tout investissement comporte un risque<\/strong>, y compris le 3a :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Liquidit\u00e9s<\/strong> : <strong>Pas de risque de perte<\/strong>, mais <strong>rendement faible<\/strong> (ne couvre pas l\u2019inflation).<\/li>\n\n\n\n<li><strong>Bourse<\/strong> : <strong>Risque de volatilit\u00e9<\/strong> (baisses temporaires) et <strong>perte en capital<\/strong> si les march\u00e9s chutent.<\/li>\n\n\n\n<li><strong>Assurances<\/strong> : <strong>Garantie en capital<\/strong>, mais <strong>rendement souvent faible<\/strong> (frais \u00e9lev\u00e9s).<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">De ce fait, pour <strong>minimiser les risques<\/strong>, diversifie ton portefeuille (ex: <strong>60% actions, 40% obligations\/liquidit\u00e9s<\/strong>) ou opte pour une <strong>strat\u00e9gie passive<\/strong> (ETF mondiaux).<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-18\"><span class=\"ez-toc-section\" id=\"Quel_est_le_plafond_de_versement_pour_un_3a_en_2026\"><\/span><strong>Quel est le plafond de versement pour un 3a en 2026 ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">En <strong>2026<\/strong>, les plafonds de versement pour le <strong>3e pilier (3a)<\/strong> sont :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Salari\u00e9s<\/strong> : <strong>CHF 6\u2019883.\u2013<\/strong> par an.<\/li>\n\n\n\n<li><strong>Ind\u00e9pendants<\/strong> : <strong>CHF 34\u2019416.\u2013<\/strong> par an (ou 20% du revenu net, avec un maximum de <strong>CHF 34\u2019416.\u2013<\/strong>).<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Ces montants sont <strong>d\u00e9ductibles des imp\u00f4ts<\/strong>, ce qui en fait un <strong>outil fiscal tr\u00e8s avantageux<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-19\"><span class=\"ez-toc-section\" id=\"Peut-on_retirer_son_argent_du_3a_avant_la_retraite\"><\/span><strong>Peut-on retirer son argent du 3a avant la retraite ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Oui, mais <strong>sous conditions strictes<\/strong> :<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Achat d\u2019un logement principal<\/strong> : Tu peux retirer ton 3a pour <strong>financer l\u2019achat ou la construction<\/strong> de ta r\u00e9sidence principale en Suisse.<\/li>\n\n\n\n<li><strong>D\u00e9part d\u00e9finitif de Suisse<\/strong> : Si tu quittes la Suisse, tu peux <strong>cl\u00f4turer ton 3a<\/strong> (sous conditions).<\/li>\n\n\n\n<li><strong>Prise de retraite anticip\u00e9e<\/strong> : \u00c0 partir de <strong>5 ans avant l\u2019\u00e2ge l\u00e9gal de la retraite<\/strong> (65 ans pour les hommes, 64 ans pour les femmes en 2026).<\/li>\n\n\n\n<li><strong>Invalidit\u00e9<\/strong> : En cas d\u2019<strong>incapacit\u00e9 de travail<\/strong>.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">\u26a0\ufe0f <strong>Attention<\/strong> : Un retrait <strong>anticip\u00e9 non autoris\u00e9<\/strong> entra\u00eene des <strong>p\u00e9nalit\u00e9s fiscales<\/strong> (imposition comme revenu).<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-20\"><span class=\"ez-toc-section\" id=\"Quelle_est_la_meilleure_strategie_3a_pour_un_debutant\"><\/span><strong>Quelle est la meilleure strat\u00e9gie 3a pour un d\u00e9butant ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pour un <strong>d\u00e9butant<\/strong>, je recommande :<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Ouvrir un 3a chez un fonds de pr\u00e9voyance<\/strong> (ex: <strong>Viac, Finpension<\/strong>) pour <strong>frais r\u00e9duits<\/strong> et <strong>strat\u00e9gies diversifi\u00e9es<\/strong>.<\/li>\n\n\n\n<li><strong>Choisir une strat\u00e9gie mixte<\/strong> (ex: <strong>Global 60<\/strong> : 60% actions, 40% liquidit\u00e9s\/obligations) pour <strong>\u00e9quilibrer risque et rendement<\/strong>.<\/li>\n\n\n\n<li><strong>Verser le maximum possible<\/strong> (CHF 6\u2019883.\u2013\/an pour les salari\u00e9s) pour <strong>profiter de la d\u00e9duction fiscale<\/strong>.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udca1 <strong>Pourquoi ?<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Moins de stress<\/strong> (volatilit\u00e9 r\u00e9duite vs 100% actions).<\/li>\n\n\n\n<li><strong>Meilleur rendement<\/strong> que les liquidit\u00e9s (2.3\u20135% vs 1\u20131.5%).<\/li>\n\n\n\n<li><strong>Apprentissage progressif<\/strong> de l\u2019investissement.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-21\"><span class=\"ez-toc-section\" id=\"Comment_choisir_entre_Viac_et_Finpension_pour_son_3a\"><\/span><strong>Comment choisir entre Viac et Finpension pour son 3a ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Viac<\/strong> et <strong>Finpension<\/strong> sont deux <strong>fonds de pr\u00e9voyance<\/strong> tr\u00e8s populaires pour le 3a. Voici leurs diff\u00e9rences :<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--5\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Crit\u00e8re<\/th><th class=\"has-text-align-center\" data-align=\"center\">Viac<\/th><th class=\"has-text-align-center\" data-align=\"center\">Finpension<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Frais<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Inf\u00e9rieur \u00e0 0.45%<\/td><td class=\"has-text-align-center\" data-align=\"center\">Inf\u00e9rieur \u00e0 0.45%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Strat\u00e9gies<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Global 100, Suisse 100, Durable 100, Global 60, Global 20<\/td><td class=\"has-text-align-center\" data-align=\"center\">Strat\u00e9gies similaires \u00e0 Viac<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Meilleure Performance (10 ans)<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Global 100<a href=\"https:\/\/viac.ch\/fr\/produits\/pilier-3a\/strategies\/\" target=\"_blank\" rel=\"noreferrer noopener\">*<\/a> : \u00e9lev\u00e9e<\/td><td class=\"has-text-align-center\" data-align=\"center\">Global 100<a href=\"https:\/\/viac.ch\/fr\/produits\/pilier-3a\/strategies\/\" target=\"_blank\" rel=\"noreferrer noopener\">*<\/a> : \u00e9lev\u00e9e<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Interface<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Simple <\/td><td class=\"has-text-align-center\" data-align=\"center\">Simple<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Service client<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tr\u00e8s bon<\/td><td class=\"has-text-align-center\" data-align=\"center\">Bon<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Flexibilit\u00e9 de payement<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Flexible<\/td><td class=\"has-text-align-center\" data-align=\"center\">Flexible<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 <strong>Mon avis<\/strong> : les deux sont <strong>excellents<\/strong> pour un <strong>3a en bourse \u00e0 frais r\u00e9duits<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-22\"><span class=\"ez-toc-section\" id=\"Quest-ce_que_la_strategie_%E2%80%9CGlobal_100%E2%80%9D_dans_un_3a\"><\/span><strong>Qu\u2019est-ce que la strat\u00e9gie &#8220;Global 100&#8221; dans un 3a ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La <strong>strat\u00e9gie Global 100<\/strong> est une <strong>option d\u2019investissement<\/strong> propos\u00e9e par des fonds de pr\u00e9voyance comme <strong>Viac ou Finpension<\/strong>. En v\u00e9rit\u00e9, elle consiste \u00e0 investir <strong>100% de ton 3a en actions mondiales<\/strong> (via des <strong>ETF diversifi\u00e9s<\/strong>).<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Rendement historique<\/strong> : <strong>6.7% annualis\u00e9<\/strong> sur 10 ans (Viac).<\/li>\n\n\n\n<li><strong>Avantages<\/strong> :\n<ul class=\"wp-block-list\">\n<li><strong>Diversification automatique<\/strong> (march\u00e9s d\u00e9velopp\u00e9s et \u00e9mergents).<\/li>\n\n\n\n<li><strong>Frais r\u00e9duits<\/strong> (Moins de 0.45%).<\/li>\n\n\n\n<li><strong>Performance sup\u00e9rieure<\/strong> aux liquidit\u00e9s ou obligations.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Inconv\u00e9nients<\/strong> :\n<ul class=\"wp-block-list\">\n<li><strong>Volatilit\u00e9 \u00e9lev\u00e9e<\/strong> (fluctuations \u00e0 court terme).<\/li>\n\n\n\n<li><strong>R\u00e9serv\u00e9 aux horizons longs<\/strong> (+10 ans).<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udca1 <strong>Id\u00e9al pour<\/strong> : Les investisseurs <strong>dynamiques<\/strong> qui visent la <strong>performance maximale<\/strong> sur le long terme.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-23\"><span class=\"ez-toc-section\" id=\"Quels_sont_les_pieges_a_eviter_avec_un_3a\"><\/span><strong>Quels sont les pi\u00e8ges \u00e0 \u00e9viter avec un 3a ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Voici <strong>5 pi\u00e8ges courants<\/strong> \u00e0 \u00e9viter avec ton 3a :<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Choisir une assurance<\/strong> : <strong>Frais \u00e9lev\u00e9s<\/strong> et <strong>rendements faibles<\/strong>.<\/li>\n\n\n\n<li><strong>Investir 100% en liquidit\u00e9s<\/strong> : <strong>Ne couvre pas l\u2019inflation<\/strong> (perte de pouvoir d\u2019achat).<\/li>\n\n\n\n<li><strong>Retirer son 3a trop t\u00f4t<\/strong> : Il peut y avoir par exemple, <strong>des P\u00e9nalit\u00e9s fiscales<\/strong> si le retrait n\u2019est pas autoris\u00e9 (et tu emp\u00eaches les int\u00e9r\u00eats compos\u00e9s de se multiplier.<\/li>\n\n\n\n<li><strong>N\u00e9gliger les frais<\/strong> : <strong>0.1% de frais en plus = des milliers de CHF perdus<\/strong> sur 30 ans.<\/li>\n\n\n\n<li><strong>Changer de strat\u00e9gie trop souvent<\/strong> : La <strong>volatilit\u00e9 \u00e0 court terme<\/strong> ne doit pas te faire paniquer. De ce fait, <strong>reste investi sur le long terme<\/strong>.<\/li>\n<\/ol>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-primary-color has-text-color has-background has-medium-font-size\" style=\"background-color:#123102\"><strong>Abonne-toi pour les nouveaut\u00e9s<\/strong> \u270d<\/h5>\n\n\n<div class=\"wp-block-jetpack-subscriptions__supports-newline wp-block-jetpack-subscriptions\">\n\t\t<div>\n\t\t\t<div>\n\t\t\t\t<div>\n\t\t\t\t\t<p >\n\t\t\t\t\t\t<a href=\"https:\/\/minimalistefrugaliste.com\/en\/?post_type=post&#038;p=10382\" style=\"font-size: 16px;padding: 15px 23px 15px 23px;margin: 0; margin-left: 10px;border-radius: 0px;border-width: 1px; background-color: #113AF5; color: #FFFFFF; text-decoration: none; white-space: nowrap; margin-left: 0\">Abonne-toi<\/a>\n\t\t\t\t\t<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-luminous-vivid-amber-color has-text-color has-background\" style=\"background-color:#2a0202\"><strong>Tu as un projet frugaliste ou minimaliste et tu souhaites une formation? Clique &#8221;<a href=\"https:\/\/minimalistefrugaliste.com\/contact\/\" target=\"_blank\" rel=\"noreferrer noopener\">ici<\/a>&#8221;.<\/strong><\/h5>\n\n\n\n<ul class=\"wp-block-social-links is-content-justification-center is-layout-flex wp-container-core-social-links-is-layout-a89b3969 wp-block-social-links-is-layout-flex\"><li class=\"wp-social-link wp-social-link-youtube wp-block-social-link\"><a href=\"https:\/\/www.youtube.com\/@minimalistefrugaliste\" class=\"wp-block-social-link-anchor\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M21.8,8.001c0,0-0.195-1.378-0.795-1.985c-0.76-0.797-1.613-0.801-2.004-0.847c-2.799-0.202-6.997-0.202-6.997-0.202 h-0.009c0,0-4.198,0-6.997,0.202C4.608,5.216,3.756,5.22,2.995,6.016C2.395,6.623,2.2,8.001,2.2,8.001S2,9.62,2,11.238v1.517 c0,1.618,0.2,3.237,0.2,3.237s0.195,1.378,0.795,1.985c0.761,0.797,1.76,0.771,2.205,0.855c1.6,0.153,6.8,0.201,6.8,0.201 s4.203-0.006,7.001-0.209c0.391-0.047,1.243-0.051,2.004-0.847c0.6-0.607,0.795-1.985,0.795-1.985s0.2-1.618,0.2-3.237v-1.517 C22,9.62,21.8,8.001,21.8,8.001z M9.935,14.594l-0.001-5.62l5.404,2.82L9.935,14.594z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">YouTube<\/span><\/a><\/li>\n\n<li class=\"wp-social-link wp-social-link-linkedin wp-block-social-link\"><a href=\"https:\/\/www.linkedin.com\/in\/minimalistefrugaliste\/\" class=\"wp-block-social-link-anchor\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M19.7,3H4.3C3.582,3,3,3.582,3,4.3v15.4C3,20.418,3.582,21,4.3,21h15.4c0.718,0,1.3-0.582,1.3-1.3V4.3 C21,3.582,20.418,3,19.7,3z M8.339,18.338H5.667v-8.59h2.672V18.338z M7.004,8.574c-0.857,0-1.549-0.694-1.549-1.548 c0-0.855,0.691-1.548,1.549-1.548c0.854,0,1.547,0.694,1.547,1.548C8.551,7.881,7.858,8.574,7.004,8.574z M18.339,18.338h-2.669 v-4.177c0-0.996-0.017-2.278-1.387-2.278c-1.389,0-1.601,1.086-1.601,2.206v4.249h-2.667v-8.59h2.559v1.174h0.037 c0.356-0.675,1.227-1.387,2.526-1.387c2.703,0,3.203,1.779,3.203,4.092V18.338z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">LinkedIn<\/span><\/a><\/li><\/ul>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-background-color has-cyan-bluish-gray-background-color has-text-color has-background\"><strong>N&#8217;h\u00e9site pas \u00e0 lire mes Pages<\/strong><\/h5>\n\n\n<ul class=\"wp-block-page-list\"><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/a-propos-de-moi\/\">\u00c0 propos de moi<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/epargne-frugalisme\/\">\u00c9pargne \/ Frugalisme<\/a><\/li><li class=\"wp-block-pages-list__item menu-item-home\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/\">Bienvenue<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/blog\/\">Blog<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/boutique\/\">Boutique<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/contact-dons\/\">Contact<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/formation-e-book\/\">Formation \/ E-book<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement\/\">Investissement<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/page-minimaliste\/\">Minimaliste<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/mon-compte\/\">Mon compte<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/newsletter\/\">Newsletter<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\">Panier<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/commander\/\">Validation de la commande<\/a><\/li><\/ul>\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-background-color has-cyan-bluish-gray-background-color has-text-color has-background\"><strong>Derniers articles<\/strong><\/h5>\n\n\n<ul class=\"wp-block-latest-posts__list wp-block-latest-posts is-layout-flow wp-block-latest-posts-is-layout-flow\"><li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/apres-10-ans-investissement-en-etf-quel-etf-je-choisirais\/\">Apr\u00e8s 10 ans d\u2019investissement en ETF : quel ETF je choisirais<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/la-liberte-financiere-pourquoi-les-premiers-100000-sont-les-plus-difficiles\/\">La libert\u00e9 financi\u00e8re : pourquoi les premiers 100&#8217;000 sont les plus difficiles<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/meilleur-conseil-du-monde-economiser\/\">Le meilleur conseil du monde pour \u00e9conomiser<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/banque-neon\/\">La banque Neon, le r\u00e9sum\u00e9<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-digitalisation-influence-minimaliste\/\">Comment la digitalisation influence le minimaliste?<\/a><\/li>\n<\/ul>\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-dots\"\/>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-light-green-cyan-color has-text-color\"><strong>Comment vit ce blog?<\/strong><\/h5>\n\n\n\n<p class=\"wp-block-paragraph\">Globalement, ce blog vit du partage d\u2019un mode de vie frugale et minimaliste.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour une question de transparence envers les lecteurs. Tous les produits conseill\u00e9s sont dans le but de rendre la vie moins ch\u00e8re, plus simple et pour favoriser l&#8217;essentiel.<\/p>\n\n\n\n<p class=\"has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-24 wp-block-paragraph\"><strong>Essentiellement, mes seuls revenus avec ce blog viennent:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Des formations que je r\u00e9alise, <\/li>\n\n\n\n<li>Des codes promo pour les produits que j\u2019utilise <\/li>\n\n\n\n<li>Des dons que les lecteurs font en \u00e9change d\u2019informations neutres.<\/li>\n<\/ul>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-light-green-cyan-color has-text-color\"><strong>\u00c0 propos de Moi<\/strong><\/h5>\n\n\n\n<h6 class=\"wp-block-heading has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-25\"><strong>J&#8217;ai en effet d\u00e9cid\u00e9 de cr\u00e9er ce blog pour me d\u00e9velopper et aider les lecteurs qui recherchent une vie plus simple et plus \u00e9conome.<\/strong><\/h6>\n\n\n\n<p class=\"wp-block-paragraph\">Comparativement \u00e0 avant, j&#8217;\u00e9tais une personne qui consommais beaucoup <strong><span style=\"text-decoration: underline;\">jusqu&#8217;au jour o\u00f9 j&#8217;ai compris que ma consommation me rendais plus triste et plus pauvre<\/span><\/strong> \ud83d\ude11<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D\u00e9sormais, <strong><span style=\"text-decoration: underline;\">je privil\u00e9gie le minimum de mes besoins pour \u00eatre heureux et atteindre ma libert\u00e9 financi\u00e8re.<\/span><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sans me rendre compte, j<strong><span style=\"text-decoration: underline;\">&#8216;ai commenc\u00e9 \u00e0 privil\u00e9gier l&#8217;\u00e9pargne et les investissements pour d\u00e9pendre d&#8217;un patron le moins longtemps possible<\/span><\/strong> et pour acc\u00e9l\u00e9rer mes projets personnels.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">De ce fait, je m&#8217;enrichis d&#8217;une fa\u00e7on que j&#8217;aurai jamais imagin\u00e9 vu que j&#8217;ai un salaire moyen en Suisse.<\/p>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-light-green-cyan-color has-text-color\"><strong>Quel est l&#8217;objectif de ce blog?<\/strong><\/h5>\n\n\n\n<p class=\"wp-block-paragraph\">Le but est de partager et apprendre avec d&#8217;autres personnes qui recherchent \u00e0 la libert\u00e9 et la simplicit\u00e9 \ud83d\ude09<\/p>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-light-green-cyan-color has-text-color\"><strong>Es-tu plut\u00f4t minimaliste ou frugaliste ?<\/strong><\/h5>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><span style=\"text-decoration: underline;\">Je suis aussi bien minimaliste que frugaliste.<\/span><\/strong> Toutefois, il y a des situations o\u00f9 je me penche plus vers un art de vie.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour conclure, je pense que le plus important est se sentir confortable dans son art de vie \ud83d\ude0a<\/p>\n\n\n\n<p class=\"has-background-color has-text-color has-link-color wp-elements-26 wp-block-paragraph\">Quelle strat\u00e9gie choisir pour investir son 3a?<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Discover which 3a strategy offers the best return in Switzerland. Performance comparison 2016\u20132025: Global 100 (7.2%), Swiss 100 (6.9%), Sustainable 100 (7.8%). Optimize your retirement savings with up-to-date data.<\/p>","protected":false},"author":215552267,"featured_media":32281,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_wpcom_ai_launchpad_first_post":false,"_jetpack_hide_featured_image":false,"_jetpack_featured_image_duplicate_dismissed":0,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"_wpas_customize_per_network":false,"jetpack_post_was_ever_published":false},"categories":[725575],"tags":[728545382,728545962,728545961,728545960,728545955,728545085,728545954,728545944,728545956,728545113,728545957,728545959,728545120,728545963,728545958],"class_list":["post-10382","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investissement","tag-3e-pilier-suisse","tag-epargne-retraite-suisse-2","tag-comparatif-3a-2026","tag-deduction-fiscale-3a","tag-durable-100-etf","tag-frais-3a","tag-global-100-rendement","tag-investir-3a-en-bourse","tag-meilleur-rendement-3a","tag-optimiser-son-3a","tag-placement-3a","tag-rendement-annualise-3a","tag-strategie-3a","tag-suisse-100-performance","tag-viac-vs-finpension"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Quelle strat\u00e9gie choisir pour investir son 3a? - Minimaliste et Frugaliste<\/title>\n<meta name=\"description\" content=\"En Suisse, il est possible de d\u00e9duire les imp\u00f4ts en investissant l&#039;argent \u00e9pargn\u00e9. Mais quelle strat\u00e9gie choisir pour investir son 3a?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/minimalistefrugaliste.com\/en\/which-strategy-choose-invest-3a\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Quelle strat\u00e9gie choisir pour investir son 3a? - Minimaliste et Frugaliste\" \/>\n<meta property=\"og:description\" content=\"En Suisse, il est possible de d\u00e9duire les imp\u00f4ts en investissant l&#039;argent \u00e9pargn\u00e9. Mais quelle strat\u00e9gie choisir pour investir son 3a?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/minimalistefrugaliste.com\/en\/which-strategy-choose-invest-3a\/\" \/>\n<meta property=\"og:site_name\" content=\"Minimaliste et Frugaliste\" \/>\n<meta property=\"article:published_time\" content=\"2026-08-20T09:50:37+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-09-25T05:17:18+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a86b6995714a.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1024\" \/>\n\t<meta property=\"og:image:height\" content=\"1024\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Minimaliste et Frugaliste\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@https:\/\/twitter.com\/MinimalFrugal\" \/>\n<meta name=\"twitter:site\" content=\"@MinimalFrugal\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Minimaliste et Frugaliste\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"14 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/quelle-strategie-choisir-investir-3a\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/quelle-strategie-choisir-investir-3a\\\/\"},\"author\":{\"name\":\"Minimaliste et Frugaliste\",\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/#\\\/schema\\\/person\\\/53bc683d7aaaffc590f5316600c765aa\"},\"headline\":\"Quelle strat\u00e9gie choisir pour investir son 3a?\",\"datePublished\":\"2026-08-20T09:50:37+00:00\",\"dateModified\":\"2026-09-25T05:17:18+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/quelle-strategie-choisir-investir-3a\\\/\"},\"wordCount\":2678,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/#\\\/schema\\\/person\\\/53bc683d7aaaffc590f5316600c765aa\"},\"image\":{\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/quelle-strategie-choisir-investir-3a\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/i0.wp.com\\\/minimalistefrugaliste.com\\\/wp-content\\\/uploads\\\/2026\\\/08\\\/minimaliste-et-frugaliste-6a86b6995714a.png?fit=1024%2C1024&ssl=1\",\"keywords\":[\"3e pilier Suisse\",\"\u00e9pargne-retraite Suisse\",\"comparatif 3a 2026\",\"d\u00e9duction fiscale 3a\",\"Durable 100 ETF\",\"frais 3a\",\"Global 100 rendement\",\"investir 3a en bourse\",\"meilleur rendement 3a\",\"optimiser son 3a\",\"placement 3a\",\"rendement annualis\u00e9 3a\",\"strat\u00e9gie 3a\",\"Suisse 100 performance\",\"Viac vs Finpension\"],\"articleSection\":[\"Investissement\"],\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/minimalistefrugaliste.com\\\/quelle-strategie-choisir-investir-3a\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/quelle-strategie-choisir-investir-3a\\\/\",\"url\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/quelle-strategie-choisir-investir-3a\\\/\",\"name\":\"Quelle strat\u00e9gie choisir pour investir son 3a? - Minimaliste et Frugaliste\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/quelle-strategie-choisir-investir-3a\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/quelle-strategie-choisir-investir-3a\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/i0.wp.com\\\/minimalistefrugaliste.com\\\/wp-content\\\/uploads\\\/2026\\\/08\\\/minimaliste-et-frugaliste-6a86b6995714a.png?fit=1024%2C1024&ssl=1\",\"datePublished\":\"2026-08-20T09:50:37+00:00\",\"dateModified\":\"2026-09-25T05:17:18+00:00\",\"description\":\"En Suisse, il est possible de d\u00e9duire les imp\u00f4ts en investissant l'argent \u00e9pargn\u00e9. Mais quelle strat\u00e9gie choisir pour investir son 3a?\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/quelle-strategie-choisir-investir-3a\\\/#breadcrumb\"},\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/minimalistefrugaliste.com\\\/quelle-strategie-choisir-investir-3a\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/quelle-strategie-choisir-investir-3a\\\/#primaryimage\",\"url\":\"https:\\\/\\\/i0.wp.com\\\/minimalistefrugaliste.com\\\/wp-content\\\/uploads\\\/2026\\\/08\\\/minimaliste-et-frugaliste-6a86b6995714a.png?fit=1024%2C1024&ssl=1\",\"contentUrl\":\"https:\\\/\\\/i0.wp.com\\\/minimalistefrugaliste.com\\\/wp-content\\\/uploads\\\/2026\\\/08\\\/minimaliste-et-frugaliste-6a86b6995714a.png?fit=1024%2C1024&ssl=1\",\"width\":1024,\"height\":1024,\"caption\":\"Une conseill\u00e8re pr\u00e9sente les options du troisi\u00e8me pilier dans un int\u00e9rieur suisse chaleureux.\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/quelle-strategie-choisir-investir-3a\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Quelle strat\u00e9gie choisir pour investir son 3a?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/#website\",\"url\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/\",\"name\":\"Minimaliste et Frugaliste\",\"description\":\"L&#039;essentiel, la simplicit\u00e9 et la libert\u00e9 financi\u00e8re\",\"publisher\":{\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/#\\\/schema\\\/person\\\/53bc683d7aaaffc590f5316600c765aa\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-GB\"},{\"@type\":[\"Person\",\"Organization\"],\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/#\\\/schema\\\/person\\\/53bc683d7aaaffc590f5316600c765aa\",\"name\":\"Minimaliste et Frugaliste\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\\\/\\\/i0.wp.com\\\/minimalistefrugaliste.com\\\/wp-content\\\/uploads\\\/2022\\\/01\\\/cropped-mf-1.png?fit=458%2C410&ssl=1\",\"url\":\"https:\\\/\\\/i0.wp.com\\\/minimalistefrugaliste.com\\\/wp-content\\\/uploads\\\/2022\\\/01\\\/cropped-mf-1.png?fit=458%2C410&ssl=1\",\"contentUrl\":\"https:\\\/\\\/i0.wp.com\\\/minimalistefrugaliste.com\\\/wp-content\\\/uploads\\\/2022\\\/01\\\/cropped-mf-1.png?fit=458%2C410&ssl=1\",\"width\":458,\"height\":410,\"caption\":\"Minimaliste et Frugaliste\"},\"logo\":{\"@id\":\"https:\\\/\\\/i0.wp.com\\\/minimalistefrugaliste.com\\\/wp-content\\\/uploads\\\/2022\\\/01\\\/cropped-mf-1.png?fit=458%2C410&ssl=1\"},\"description\":\"Toujours \u00e0 la recherche du plus simple possible et du moins cher possible. Afin d'\u00eatre le plus libre, le plus riche et le plus heureux possible. J'ai cr\u00e9\u00e9 ce blog avec le but d'aider d'autres personnes qui partagent ma philosophie. Simplicit\u00e9, l'essentiel et la libert\u00e9 financi\u00e8re.\",\"sameAs\":[\"http:\\\/\\\/minimalistefrugaliste.com\",\"https:\\\/\\\/x.com\\\/https:\\\/\\\/twitter.com\\\/MinimalFrugal\",\"https:\\\/\\\/www.youtube.com\\\/@minimalistefrugaliste\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"What strategy should you choose to invest your 3a? - Minimalist and Frugalist","description":"In Switzerland, it is possible to deduct taxes by investing the money saved. But what strategy should you choose to invest your 3a?","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/minimalistefrugaliste.com\/en\/which-strategy-choose-invest-3a\/","og_locale":"en_GB","og_type":"article","og_title":"Quelle strat\u00e9gie choisir pour investir son 3a? - Minimaliste et Frugaliste","og_description":"En Suisse, il est possible de d\u00e9duire les imp\u00f4ts en investissant l'argent \u00e9pargn\u00e9. Mais quelle strat\u00e9gie choisir pour investir son 3a?","og_url":"https:\/\/minimalistefrugaliste.com\/en\/which-strategy-choose-invest-3a\/","og_site_name":"Minimaliste et Frugaliste","article_published_time":"2026-08-20T09:50:37+00:00","article_modified_time":"2026-09-25T05:17:18+00:00","og_image":[{"width":1024,"height":1024,"url":"https:\/\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a86b6995714a.png","type":"image\/png"}],"author":"Minimaliste et Frugaliste","twitter_card":"summary_large_image","twitter_creator":"@https:\/\/twitter.com\/MinimalFrugal","twitter_site":"@MinimalFrugal","twitter_misc":{"Written by":"Minimaliste et Frugaliste","Estimated reading time":"14 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/minimalistefrugaliste.com\/quelle-strategie-choisir-investir-3a\/#article","isPartOf":{"@id":"https:\/\/minimalistefrugaliste.com\/quelle-strategie-choisir-investir-3a\/"},"author":{"name":"Minimaliste et Frugaliste","@id":"https:\/\/minimalistefrugaliste.com\/#\/schema\/person\/53bc683d7aaaffc590f5316600c765aa"},"headline":"Quelle strat\u00e9gie choisir pour investir son 3a?","datePublished":"2026-08-20T09:50:37+00:00","dateModified":"2026-09-25T05:17:18+00:00","mainEntityOfPage":{"@id":"https:\/\/minimalistefrugaliste.com\/quelle-strategie-choisir-investir-3a\/"},"wordCount":2678,"commentCount":0,"publisher":{"@id":"https:\/\/minimalistefrugaliste.com\/#\/schema\/person\/53bc683d7aaaffc590f5316600c765aa"},"image":{"@id":"https:\/\/minimalistefrugaliste.com\/quelle-strategie-choisir-investir-3a\/#primaryimage"},"thumbnailUrl":"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a86b6995714a.png?fit=1024%2C1024&ssl=1","keywords":["3e pilier Suisse","\u00e9pargne-retraite Suisse","comparatif 3a 2026","d\u00e9duction fiscale 3a","Durable 100 ETF","frais 3a","Global 100 rendement","investir 3a en bourse","meilleur rendement 3a","optimiser son 3a","placement 3a","rendement annualis\u00e9 3a","strat\u00e9gie 3a","Suisse 100 performance","Viac vs Finpension"],"articleSection":["Investissement"],"inLanguage":"en-GB","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/minimalistefrugaliste.com\/quelle-strategie-choisir-investir-3a\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/minimalistefrugaliste.com\/quelle-strategie-choisir-investir-3a\/","url":"https:\/\/minimalistefrugaliste.com\/quelle-strategie-choisir-investir-3a\/","name":"What strategy should you choose to invest your 3a? - Minimalist and Frugalist","isPartOf":{"@id":"https:\/\/minimalistefrugaliste.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/minimalistefrugaliste.com\/quelle-strategie-choisir-investir-3a\/#primaryimage"},"image":{"@id":"https:\/\/minimalistefrugaliste.com\/quelle-strategie-choisir-investir-3a\/#primaryimage"},"thumbnailUrl":"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a86b6995714a.png?fit=1024%2C1024&ssl=1","datePublished":"2026-08-20T09:50:37+00:00","dateModified":"2026-09-25T05:17:18+00:00","description":"In Switzerland, it is possible to deduct taxes by investing the money saved. But what strategy should you choose to invest your 3a?","breadcrumb":{"@id":"https:\/\/minimalistefrugaliste.com\/quelle-strategie-choisir-investir-3a\/#breadcrumb"},"inLanguage":"en-GB","potentialAction":[{"@type":"ReadAction","target":["https:\/\/minimalistefrugaliste.com\/quelle-strategie-choisir-investir-3a\/"]}]},{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/minimalistefrugaliste.com\/quelle-strategie-choisir-investir-3a\/#primaryimage","url":"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a86b6995714a.png?fit=1024%2C1024&ssl=1","contentUrl":"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a86b6995714a.png?fit=1024%2C1024&ssl=1","width":1024,"height":1024,"caption":"Une conseill\u00e8re pr\u00e9sente les options du troisi\u00e8me pilier dans un int\u00e9rieur suisse chaleureux."},{"@type":"BreadcrumbList","@id":"https:\/\/minimalistefrugaliste.com\/quelle-strategie-choisir-investir-3a\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/minimalistefrugaliste.com\/"},{"@type":"ListItem","position":2,"name":"Quelle strat\u00e9gie choisir pour investir son 3a?"}]},{"@type":"WebSite","@id":"https:\/\/minimalistefrugaliste.com\/#website","url":"https:\/\/minimalistefrugaliste.com\/","name":"Minimalism and Frugalism","description":"Essentials, simplicity and financial freedom","publisher":{"@id":"https:\/\/minimalistefrugaliste.com\/#\/schema\/person\/53bc683d7aaaffc590f5316600c765aa"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/minimalistefrugaliste.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-GB"},{"@type":["Person","Organization"],"@id":"https:\/\/minimalistefrugaliste.com\/#\/schema\/person\/53bc683d7aaaffc590f5316600c765aa","name":"Minimalism and Frugalism","image":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2022\/01\/cropped-mf-1.png?fit=458%2C410&ssl=1","url":"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2022\/01\/cropped-mf-1.png?fit=458%2C410&ssl=1","contentUrl":"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2022\/01\/cropped-mf-1.png?fit=458%2C410&ssl=1","width":458,"height":410,"caption":"Minimaliste et Frugaliste"},"logo":{"@id":"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2022\/01\/cropped-mf-1.png?fit=458%2C410&ssl=1"},"description":"Always looking for the simplest possible and cheapest possible. In order to be as free, rich and happy as possible. I created this blog with the goal of helping other people who share my philosophy. Simplicity, the essentials and financial freedom.","sameAs":["http:\/\/minimalistefrugaliste.com","https:\/\/x.com\/https:\/\/twitter.com\/MinimalFrugal","https:\/\/www.youtube.com\/@minimalistefrugaliste"]}]}},"jetpack_publicize_connections":[],"jetpack_likes_enabled":true,"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/pdCI1c-2Hs","jetpack-related-posts":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a86b6995714a.png?fit=1024%2C1024&ssl=1","_links":{"self":[{"href":"https:\/\/minimalistefrugaliste.com\/en\/wp-json\/wp\/v2\/posts\/10382","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/minimalistefrugaliste.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/minimalistefrugaliste.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/minimalistefrugaliste.com\/en\/wp-json\/wp\/v2\/users\/215552267"}],"replies":[{"embeddable":true,"href":"https:\/\/minimalistefrugaliste.com\/en\/wp-json\/wp\/v2\/comments?post=10382"}],"version-history":[{"count":100,"href":"https:\/\/minimalistefrugaliste.com\/en\/wp-json\/wp\/v2\/posts\/10382\/revisions"}],"predecessor-version":[{"id":32317,"href":"https:\/\/minimalistefrugaliste.com\/en\/wp-json\/wp\/v2\/posts\/10382\/revisions\/32317"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/minimalistefrugaliste.com\/en\/wp-json\/wp\/v2\/media\/32281"}],"wp:attachment":[{"href":"https:\/\/minimalistefrugaliste.com\/en\/wp-json\/wp\/v2\/media?parent=10382"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/minimalistefrugaliste.com\/en\/wp-json\/wp\/v2\/categories?post=10382"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/minimalistefrugaliste.com\/en\/wp-json\/wp\/v2\/tags?post=10382"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}