{"id":15162,"date":"2026-08-21T13:54:38","date_gmt":"2026-08-21T11:54:38","guid":{"rendered":"https:\/\/minimalistefrugaliste.com\/?p=15162"},"modified":"2026-08-21T13:58:08","modified_gmt":"2026-08-21T11:58:08","slug":"finpension-3a-simple-profitable-and-with-acceptable-fees","status":"publish","type":"post","link":"https:\/\/minimalistefrugaliste.com\/en\/finpension-3a-simple-rentable-frais-acceptables\/","title":{"rendered":"Finpension 3a: Simple, Profitable, and Acceptable Fees"},"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>Finpension 3a s\u2019impose comme l\u2019une des meilleures solutions de pr\u00e9voyance 3a en Suisse gr\u00e2ce \u00e0 son approche simple et avec un excellent rapport rendement\/frais<\/strong>.<strong> Finpension 3a : Simple<\/strong>,<strong> Rentable et Frais Acceptables<\/strong>,<strong> je te pr\u00e9sente un r\u00e9sum\u00e9 rapide et mon avis sur Finpension 3a.<\/strong><\/p><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_87 ez-toc-wrap-center counter-flat ez-toc-counter ez-toc-black 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\/finpension-3a-simple-rentable-frais-acceptables\/#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\/finpension-3a-simple-rentable-frais-acceptables\/#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\/finpension-3a-simple-rentable-frais-acceptables\/#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\/finpension-3a-simple-rentable-frais-acceptables\/#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\/finpension-3a-simple-rentable-frais-acceptables\/#Pourquoi_ouvrir_un_compte_3a\" >Pourquoi ouvrir un compte 3a ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/minimalistefrugaliste.com\/en\/finpension-3a-simple-rentable-frais-acceptables\/#Finpension_3a_en_bref\" >Finpension 3a en bref<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/minimalistefrugaliste.com\/en\/finpension-3a-simple-rentable-frais-acceptables\/#Finpension_3a_Simple_Rentable_et_avec_des_Frais_Acceptables\" >Finpension 3a : Simple, Rentable et avec des Frais Acceptables<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/minimalistefrugaliste.com\/en\/finpension-3a-simple-rentable-frais-acceptables\/#Les_commissions_annuelles_frais_de_gestion\" >Les commissions annuelles (frais de gestion)<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/minimalistefrugaliste.com\/en\/finpension-3a-simple-rentable-frais-acceptables\/#Les_frais_indirects\" >Les frais indirects<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/minimalistefrugaliste.com\/en\/finpension-3a-simple-rentable-frais-acceptables\/#La_strategie_dinvestissement\" >La strat\u00e9gie d\u2019investissement<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/minimalistefrugaliste.com\/en\/finpension-3a-simple-rentable-frais-acceptables\/#Repartition_geographique_des_investissements\" >R\u00e9partition g\u00e9ographique des investissements<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/minimalistefrugaliste.com\/en\/finpension-3a-simple-rentable-frais-acceptables\/#Le_choix_dinvestissement\" >Le choix d\u2019investissement<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/minimalistefrugaliste.com\/en\/finpension-3a-simple-rentable-frais-acceptables\/#Le_rendement_passe\" >Le rendement pass\u00e9<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/minimalistefrugaliste.com\/en\/finpension-3a-simple-rentable-frais-acceptables\/#La_securite_du_compte_3a\" >La s\u00e9curit\u00e9 du compte 3a<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/minimalistefrugaliste.com\/en\/finpension-3a-simple-rentable-frais-acceptables\/#Le_nombre_de_portefeuilles_possibles\" >Le nombre de portefeuilles possibles<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/minimalistefrugaliste.com\/en\/finpension-3a-simple-rentable-frais-acceptables\/#La_simplicite_dutilisation\" >La simplicit\u00e9 d\u2019utilisation<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/minimalistefrugaliste.com\/en\/finpension-3a-simple-rentable-frais-acceptables\/#Le_service_client\" >Le service client<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/minimalistefrugaliste.com\/en\/finpension-3a-simple-rentable-frais-acceptables\/#Conclusion_Finpension_3a_une_bonne_option\" >Conclusion : Finpension 3a, une bonne option ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/minimalistefrugaliste.com\/en\/finpension-3a-simple-rentable-frais-acceptables\/#Finpension_3a_vs_les_autres_comptes_3a\" >Finpension 3a vs les autres comptes 3a<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/minimalistefrugaliste.com\/en\/finpension-3a-simple-rentable-frais-acceptables\/#Finpension_3a_Simple_Rentable_et_Frais_Acceptables\" >Finpension 3a : Simple, Rentable et Frais Acceptables<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/minimalistefrugaliste.com\/en\/finpension-3a-simple-rentable-frais-acceptables\/#FAQ_Tout_savoir_sur_le_compte_3a_et_Finpension_3a\" >FAQ : Tout savoir sur le compte 3a et Finpension 3a<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/minimalistefrugaliste.com\/en\/finpension-3a-simple-rentable-frais-acceptables\/#Quels_sont_les_avantages_fiscaux_dun_compte_3a_en_Suisse\" >Quels sont les avantages fiscaux d\u2019un compte 3a en Suisse ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/minimalistefrugaliste.com\/en\/finpension-3a-simple-rentable-frais-acceptables\/#Quand_peut-on_retirer_largent_dun_compte_3a\" >Quand peut-on retirer l\u2019argent d\u2019un compte 3a ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/minimalistefrugaliste.com\/en\/finpension-3a-simple-rentable-frais-acceptables\/#Pourquoi_choisir_Finpension_3a_plutot_quun_autre_compte_3a\" >Pourquoi choisir Finpension 3a plut\u00f4t qu\u2019un autre compte 3a ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/minimalistefrugaliste.com\/en\/finpension-3a-simple-rentable-frais-acceptables\/#Quelles_sont_les_strategies_dinvestissement_disponibles_avec_Finpension_3a\" >Quelles sont les strat\u00e9gies d\u2019investissement disponibles avec Finpension 3a ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/minimalistefrugaliste.com\/en\/finpension-3a-simple-rentable-frais-acceptables\/#Combien_de_comptes_3a_peut-on_detenir_en_Suisse\" >Combien de comptes 3a peut-on d\u00e9tenir en Suisse ?<\/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-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" 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\">\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=\"has-font-size has-small-font-size has-text-align-center wp-block-woocommerce-product-price\" ><div class=\"wc-block-components-product-price wc-block-grid__product-price\" >\n\t\t\t\t\t<span class=\"woocommerce-Price-amount amount\"><bdi><span class=\"woocommerce-Price-currencySymbol\" translate=\"no\">&#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-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" 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\">\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=\"has-font-size has-small-font-size has-text-align-center wp-block-woocommerce-product-price\" ><div class=\"wc-block-components-product-price wc-block-grid__product-price\" >\n\t\t\t\t\t<span class=\"woocommerce-Price-amount amount\"><bdi><span class=\"woocommerce-Price-currencySymbol\" translate=\"no\">&#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;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;1&quot;,&quot;alt&quot;:&quot;&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\">\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=\"has-font-size has-small-font-size has-text-align-center wp-block-woocommerce-product-price\" ><div class=\"wc-block-components-product-price wc-block-grid__product-price\" >\n\t\t\t\t\t<span class=\"woocommerce-Price-amount amount\"><bdi><span class=\"woocommerce-Price-currencySymbol\" translate=\"no\">&#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<figure class=\"wp-block-table is-style-stripes is-style-stripes--1\" style=\"font-size:0.9rem\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\"><\/th><th class=\"has-text-align-center\" data-align=\"center\"><\/th><th class=\"has-text-align-center\" data-align=\"center\">Ponctuation sur 10<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Commissions (frais de gestion)<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.39%<\/td><td class=\"has-text-align-center\" data-align=\"center\">9 \/ 10<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Frais indirectes<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tr\u00e8s peu de frais indirectes<\/td><td class=\"has-text-align-center\" data-align=\"center\">9.5 \/ 10<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Rendement pass\u00e9<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tr\u00e8s bon rendement pass\u00e9 pour un compte 3a<\/td><td class=\"has-text-align-center\" data-align=\"center\">9 \/ 10<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Choix des strat\u00e9gies<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tr\u00e8s vari\u00e9<\/td><td class=\"has-text-align-center\" data-align=\"center\">10 \/ 10<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Possibilit\u00e9 d&#8217;investir \u00e0 99% en bourse sur global 100<\/td><td class=\"has-text-align-center\" data-align=\"center\">Oui<\/td><td class=\"has-text-align-center\" data-align=\"center\">10 \/ 10<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Pourcentage d&#8217;investissement en Suisse &amp; Pourcentage d&#8217;investissement \u00e0 l&#8217;\u00e9tranger<\/td><td class=\"has-text-align-center\" data-align=\"center\">Suisse = 40%<br>\u00e9tranger = 60%<br><\/td><td class=\"has-text-align-center\" data-align=\"center\">10 \/ 10<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Simplicit\u00e9 d&#8217;utilisation<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tr\u00e8s simple<\/td><td class=\"has-text-align-center\" data-align=\"center\">10 \/ 10<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Nombre de portefeuille maximal que le client peut d\u00e9tenir<\/td><td class=\"has-text-align-center\" data-align=\"center\">5<\/td><td class=\"has-text-align-center\" data-align=\"center\">9.5 \/ 10<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">S\u00e9curit\u00e9 du 3a<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tr\u00e8s bonne<\/td><td class=\"has-text-align-center\" data-align=\"center\">9.5 \/ 10<\/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\">9.5 \/ 10<\/td><\/tr><\/tbody><tfoot><tr><td class=\"has-text-align-center\" data-align=\"center\"><\/td><td class=\"has-text-align-center\" data-align=\"center\"><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#eed792\" class=\"has-inline-color\">9.6 \/ 10<\/mark><\/strong><\/td><\/tr><\/tfoot><\/table><\/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-2\"><span class=\"ez-toc-section\" id=\"Pourquoi_ouvrir_un_compte_3a\"><\/span><strong>Pourquoi ouvrir un compte 3a ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Un <strong>compte 3a<\/strong> est bien plus qu\u2019un simple compte d\u2019\u00e9pargne : c\u2019est un outil de pr\u00e9voyance qui offre des <strong>avantages fiscaux int\u00e9ressants<\/strong> pour les r\u00e9sidents suisses.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En effet, chaque franc que tu verses sur ton compte 3a peut <strong>r\u00e9duire ton imp\u00f4t sur le revenu<\/strong>. Selon ta situation fiscale, cette \u00e9conomie peut atteindre <strong>plusieurs milliers de francs par an<\/strong> ! Bien s\u00fbr, chaque cas est unique, et l\u2019optimisation d\u00e9pend de ta situation personnelle.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Attention cependant : l\u2019argent plac\u00e9 sur un compte 3a n\u2019est pas disponible \u00e0 tout moment. Il ne peut \u00eatre retir\u00e9 que dans <strong>4 cas pr\u00e9cis<\/strong> :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Achat de ton logement principal<\/strong><\/li>\n\n\n\n<li><strong>D\u00e9part d\u00e9finitif \u00e0 l\u2019\u00e9tranger<\/strong><\/li>\n\n\n\n<li><strong>Cr\u00e9ation de ton entreprise en Suisse<\/strong><\/li>\n\n\n\n<li><strong>D\u00e9part \u00e0 la retraite<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Alors, <strong>quel compte 3a choisir<\/strong> ? Analysons ensemble <strong>Finpension 3a<\/strong><a href=\"https:\/\/finpension.ch\/fr\/compte-3a\/\" target=\"_blank\" rel=\"noreferrer noopener\">*<\/a>, une solution qui m\u00e9rite le d\u00e9tour. \ud83d\ude0a<\/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=\"Finpension_3a_en_bref\"><\/span><strong>Finpension 3a en bref<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Finpension est une <strong>soci\u00e9t\u00e9 de gestion de fortune agr\u00e9\u00e9e par la FINMA<\/strong>, ce qui garantit sa s\u00e9rieux et sa transparence. Notons qu&#8217;elle propose plusieurs produits financiers, dont :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Finpension Invest<\/strong> : pour investir en bourse<\/li>\n\n\n\n<li><strong>Finpension Libre Passage<\/strong> : pour g\u00e9rer ton 2e pilier<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Aujourd\u2019hui, nous allons nous concentrer sur <strong>Finpension 3a<\/strong>.<\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a954e29e127c&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a954e29e127c\" class=\"wp-block-image aligncenter size-full has-custom-border is-style-rounded wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"91\" height=\"82\" data-attachment-id=\"25243\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/finpension-3a-simple-rentable-frais-acceptables\/fp-3\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/fp.png?fit=91%2C82&amp;ssl=1\" data-orig-size=\"91,82\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"fp\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/fp.png?fit=91%2C82&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\/2025\/12\/fp.png?resize=91%2C82&#038;ssl=1\" alt=\"Finpension 3a : Simple Rentable et Frais Acceptables\" class=\"has-border-color has-luminous-vivid-orange-border-color wp-image-25243\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/fp.png?w=91&amp;ssl=1 91w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/fp.png?resize=13%2C12&amp;ssl=1 13w\" sizes=\"auto, (max-width: 91px) 100vw, 91px\" \/><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-light-green-cyan-color has-text-color has-link-color wp-elements-4\"><span class=\"ez-toc-section\" id=\"Finpension_3a_Simple_Rentable_et_avec_des_Frais_Acceptables\"><\/span><strong>Finpension 3a : Simple, Rentable et avec des Frais Acceptables<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\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_commissions_annuelles_frais_de_gestion\"><\/span><strong>Les commissions annuelles (frais de gestion)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Savais-tu que <strong>Finpension 3a applique des frais de gestion de seulement 0,39 %<\/strong> ?<br>\u00c0 ce jour, seuls <strong>Viac, Neon 3a et True Wealth<\/strong> proposent des tarifs aussi bas. Cela en fait donc <strong>l\u2019un des comptes 3a les moins chers du march\u00e9<\/strong> en termes de frais de gestion.<\/p>\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-6\"><span class=\"ez-toc-section\" id=\"Les_frais_indirects\"><\/span><strong>Les frais indirects<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Il est rare de trouver un compte bancaire ou de pr\u00e9voyance <strong>sans frais cach\u00e9s<\/strong>. Habituellement, les clients doivent payer des frais de change, des frais d\u2019entr\u00e9e\/sortie, des frais TER (Total Expense Ratio) ou des frais administratifs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Avec Finpension 3a, bonne nouvelle<\/strong> :<br>\u2705 <strong>Aucun frais de transaction<\/strong><br>\u2705 <strong>Aucun frais TER<\/strong><br>\u2705 <strong>Aucun frais de d\u00e9p\u00f4t<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En revanche, certains frais s\u2019appliquent dans des cas sp\u00e9cifiques, comme :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Retrait anticip\u00e9<\/strong><\/li>\n\n\n\n<li><strong>Frais de conseil et de traitement<\/strong> pour un retrait de capital avec un domicile \u00e0 l\u2019\u00e9tranger<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-black-color has-white-background-color has-text-color has-background has-link-color wp-elements-7\"><span class=\"ez-toc-section\" id=\"La_strategie_dinvestissement\"><\/span><strong>La strat\u00e9gie d\u2019investissement<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Finpension 3a te propose <strong>6 strat\u00e9gies d\u2019investissement<\/strong> pour ton argent, avec des r\u00e9partitions claires entre <strong>actions, obligations, immobilier et liquidit\u00e9s<\/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\">Actions<\/th><th class=\"has-text-align-center\" data-align=\"center\">Obligations<\/th><th class=\"has-text-align-center\" data-align=\"center\">Immobilier<\/th><th class=\"has-text-align-center\" data-align=\"center\">Cash \/ Liquidit\u00e9s<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">0 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">99 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">0 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">1 %<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">20 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">70 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">9 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">1 %<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">40 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">50 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">9 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">1 %<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">60 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">30 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">9 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">1 %<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">80 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">10 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">9 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">1 %<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">99 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">0 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">0 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">1 %<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 <strong>Un large choix<\/strong> pour s\u2019adapter \u00e0 ton profil d\u2019investisseur.<br>En plus, si tu pr\u00e9f\u00e8res, tu peux <strong>personnaliser ta strat\u00e9gie<\/strong> en investissant individuellement.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Selon mon avis (\u00e0 ne pas prendre comme un conseil financier)<\/strong> : La strat\u00e9gie <strong>Global 100<\/strong> (99% actions mondiales) est la plus int\u00e9ressante sur le <strong>long terme (10 ans et plus)<\/strong>.<\/p>\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-8\"><span class=\"ez-toc-section\" id=\"Repartition_geographique_des_investissements\"><\/span><strong>R\u00e9partition g\u00e9ographique des investissements<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">La Suisse est un pays stable, mais elle ne repr\u00e9sente qu\u2019une petite partie de l\u2019\u00e9conomie mondiale. Pour une <strong>diversification optimale<\/strong>, il est judicieux d\u2019investir \u00e0 l\u2019\u00e9tranger, notamment aux <strong>\u00c9tats-Unis<\/strong>, qui offrent historiquement les <strong>meilleurs rendements boursiers<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Avec Finpension 3a, tu peux investir <strong>jusqu\u2019\u00e0 100 % \u00e0 l\u2019\u00e9tranger<\/strong> ! Une excellente nouvelle pour ceux qui veulent se diversifier.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Exemple avec la strat\u00e9gie Global 100<\/strong> (les pourcentages peuvent varier l\u00e9g\u00e9rement) :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>40 % en Suisse<\/strong><\/li>\n\n\n\n<li><strong>37 % aux \u00c9tats-Unis<\/strong><\/li>\n\n\n\n<li><strong>23 % dans le reste du monde<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 <strong>Un bon \u00e9quilibre<\/strong> : 40 % en Suisse et 60 % \u00e0 l\u2019international (donc une bonne partie aux USA), pour allier s\u00e9curit\u00e9 et croissance.<\/p>\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-9\"><span class=\"ez-toc-section\" id=\"Le_choix_dinvestissement\"><\/span><strong>Le choix d\u2019investissement<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Finpension 3a te propose <strong>3 options principales<\/strong> pour investir :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Global<\/strong> : Investissement dans le monde entier<\/li>\n\n\n\n<li><strong>Durable<\/strong> : Investissement ax\u00e9 sur la durabilit\u00e9 (actions ESG, par exemple)<\/li>\n\n\n\n<li><strong>Suisse<\/strong> : Investissement majoritairement en Suisse<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Mon avis<\/strong> : Je privil\u00e9gie l\u2019option <strong>Global<\/strong>, car elle offre une <strong>diversification maximale<\/strong>. Cependant, c\u2019est une question de pr\u00e9f\u00e9rence personnelle, et c\u2019est justement un point fort de Finpension : <strong>tu as le choix<\/strong> !<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 <strong>Bonus<\/strong> : Finpension te permet d\u2019investir principalement via des <strong>fonds indiciels Swisscanto<\/strong>, une excellente option pour une gestion passive et performante.<\/p>\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-10\"><span class=\"ez-toc-section\" id=\"Le_rendement_passe\"><\/span><strong>Le rendement pass\u00e9<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Les performances pass\u00e9es ne garantissent pas les r\u00e9sultats futurs, mais elles donnent une bonne indication. <strong>Finpension Global 100 a r\u00e9alis\u00e9 un rendement annualis\u00e9 de 9,25 % sur 10 ans<\/strong> (donn\u00e9es de novembre 2015 \u00e0 novembre 2025).<br>\u00c0 ce jour, seuls <strong>Viac<\/strong> propose des rendements comparables sur une longue p\u00e9riode.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 <strong>Un r\u00e9sultat tr\u00e8s satisfaisant<\/strong> pour un compte 3a !<\/p>\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-11\"><span class=\"ez-toc-section\" id=\"La_securite_du_compte_3a\"><\/span><strong>La s\u00e9curit\u00e9 du compte 3a<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Comme pour la plupart des comptes de pr\u00e9voyance en Suisse, <strong>tes titres sont s\u00e9par\u00e9s de ceux de Finpension<\/strong>. En cas de faillite, ton argent est <strong>transf\u00e9r\u00e9 vers un autre compte 3a<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00f4t\u00e9 s\u00e9curit\u00e9 num\u00e9rique, je n\u2019ai pas identifi\u00e9 de risques majeurs (mais je ne suis pas expert en cybers\u00e9curit\u00e9).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 <strong>Conclusion<\/strong> : La s\u00e9curit\u00e9 de Finpension 3a est <strong>tr\u00e8s bonne<\/strong>.<\/p>\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-12\"><span class=\"ez-toc-section\" id=\"Le_nombre_de_portefeuilles_possibles\"><\/span><strong>Le nombre de portefeuilles possibles<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Dans un article pr\u00e9c\u00e8dent (<a href=\"https:\/\/minimalistefrugaliste.com\/echelonner-son-3a-guide-pour-reduire-limposition\/\" data-type=\"post\" data-id=\"2093\">\u00e9chelonner son 3a<\/a>), j\u2019ai expliqu\u00e9 pourquoi il est <strong>avantageux de d\u00e9tenir plusieurs comptes 3a<\/strong> pour optimiser tes imp\u00f4ts lors des retraits.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Exemple<\/strong> : Dans la plupart des cantons suisses, il est pr\u00e9f\u00e9rable d\u2019avoir <strong>3 comptes 3a de 100 000 CHF chacun<\/strong> plut\u00f4t qu\u2019un seul compte de 300 000 CHF.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 <strong>Avec Finpension 3a, tu peux d\u00e9tenir jusqu\u2019\u00e0 5 portefeuilles<\/strong> : un nombre suffisant pour une optimisation fiscale efficace.<\/p>\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-13\"><span class=\"ez-toc-section\" id=\"La_simplicite_dutilisation\"><\/span><strong>La simplicit\u00e9 d\u2019utilisation<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Finpension est tr\u00e8s simple \u00e0 utiliser<\/strong> :<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li>Tu effectues un virement depuis ton compte courant.<\/li>\n\n\n\n<li>Finpension s\u2019occupe du reste !<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Exemple personnel<\/strong> : Je verse un montant mensuel sur mon compte 3a, et l\u2019argent est <strong>automatiquement investi<\/strong> en toute s\u00e9curit\u00e9.<\/p>\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-14\"><span class=\"ez-toc-section\" id=\"Le_service_client\"><\/span><strong>Le service client<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Mon exp\u00e9rience avec le service client de Finpension a toujours \u00e9t\u00e9 <strong>positive<\/strong> :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>R\u00e9ponses claires<\/strong><\/li>\n\n\n\n<li><strong>R\u00e9activit\u00e9<\/strong><\/li>\n\n\n\n<li><strong>Professionnalisme<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Rien de n\u00e9gatif \u00e0 dire.<\/p>\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=\"Conclusion_Finpension_3a_une_bonne_option\"><\/span><strong>Conclusion : Finpension 3a, une <\/strong>bonne<strong> option ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Analysons les points cl\u00e9s avec un <strong>tableau r\u00e9capitulatif de Finpension 3a<\/strong> et ma note personnelle (sur 10) :<\/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\">Crit\u00e8re<\/th><th class=\"has-text-align-center\" data-align=\"center\">D\u00e9tails<\/th><th class=\"has-text-align-center\" data-align=\"center\">Note<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Commissions (frais de gestion)<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">0,39 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">9 \/ 10<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Frais indirects<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Tr\u00e8s peu de frais cach\u00e9s<\/td><td class=\"has-text-align-center\" data-align=\"center\">9,5 \/ 10<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Rendement pass\u00e9<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Tr\u00e8s bon rendement (9,25 % sur 10 ans)<\/td><td class=\"has-text-align-center\" data-align=\"center\">9 \/ 10<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Choix des strat\u00e9gies<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">6 strat\u00e9gies vari\u00e9es<\/td><td class=\"has-text-align-center\" data-align=\"center\">10 \/ 10<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Investissement en bourse (Global 100)<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Jusqu\u2019\u00e0 99 % en actions<\/td><td class=\"has-text-align-center\" data-align=\"center\">10 \/ 10<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>R\u00e9partition Suisse\/\u00e9tranger<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">40 % Suisse \/ 60 % monde<\/td><td class=\"has-text-align-center\" data-align=\"center\">10 \/ 10<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Simplicit\u00e9 d\u2019utilisation<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Tr\u00e8s intuitive<\/td><td class=\"has-text-align-center\" data-align=\"center\">10 \/ 10<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Nombre de portefeuilles<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Jusqu\u2019\u00e0 5<\/td><td class=\"has-text-align-center\" data-align=\"center\">9,5 \/ 10<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>S\u00e9curit\u00e9<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Tr\u00e8s bonne<\/td><td class=\"has-text-align-center\" data-align=\"center\">9,5 \/ 10<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Service client<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">R\u00e9actif et professionnel<\/td><td class=\"has-text-align-center\" data-align=\"center\">9,5 \/ 10<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Note globale<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>9,6 \/ 10<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Excellent<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 <strong>Finpension 3a obtient une note globale de 9,6 \/ 10<\/strong> : c\u2019est l\u2019un des <strong>meilleurs comptes 3a disponibles en Suisse<\/strong> !<\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a954e29e5df9&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a954e29e5df9\" 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=\"32442\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/minimaliste-et-frugaliste-6a8839e225d93\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8839e225d93.png?fit=1024%2C1024&amp;ssl=1\" data-orig-size=\"1024,1024\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;,&quot;alt&quot;:&quot;&quot;}\" data-image-title=\"Infographic on Finpension account benefits\" data-image-description=\"&lt;p&gt;A bright illustrated French-language infographic promotes Finpension\u2019s Global 100 3a pension account. A smiling woman points toward the headline, while four numbered panels explain high return potential, flexible digital management, significant tax advantages, and diversified global investing. Charts, coins, a mobile app, gears, a piggy bank, tax documents, and illustrated world maps reinforce each benefit against a cheerful city-park background.&lt;\/p&gt;\n\" data-image-caption=\"&lt;p&gt;This colorful Finpension infographic highlights four benefits of a global 3a pension account.&lt;\/p&gt;\n\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8839e225d93.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-6a8839e225d93.png?resize=600%2C600&#038;ssl=1\" alt=\"Infographic titled \u00abAVANTAGES DU COMPTE 3a GLOBAL 100 FINPENSION\u00bb showing \u00ab1 POTENTIEL DE RENDEMENT \u00c9LEV\u00c9\u00bb, \u00ab2 GESTION NUM\u00c9RIQUE ET FLEXIBLE\u00bb, \u00ab3 AVANTAGES FISCAUX IMPORTANTS\u00bb and \u00ab4 STRAT\u00c9GIE MONDIALE DIVERSIFI\u00c9E\u00bb.\" class=\"wp-image-32442\" style=\"width:470px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8839e225d93.png?resize=600%2C600&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8839e225d93.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8839e225d93.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8839e225d93.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8839e225d93.png?resize=12%2C12&amp;ssl=1 12w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8839e225d93.png?resize=100%2C100&amp;ssl=1 100w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8839e225d93.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-15\"><span class=\"ez-toc-section\" id=\"Finpension_3a_vs_les_autres_comptes_3a\"><\/span><strong>Finpension 3a vs les autres comptes 3a<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Selon moi, <strong>Finpension 3a fait partie du top 4 des comptes 3a en Suisse<\/strong>, aux c\u00f4t\u00e9s de <strong>Neon 3a, Viac et True Wealth<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pourquoi ?<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Simplicit\u00e9<\/strong> : Facile \u00e0 utiliser<\/li>\n\n\n\n<li><strong>Frais r\u00e9duits<\/strong> : 0,39 % de frais de gestion<\/li>\n\n\n\n<li><strong>Rendements \u00e9lev\u00e9s<\/strong> : Parmis les plus \u00e9lev\u00e9s des 3a suisses<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 <strong>Mon conseil<\/strong> : Si tu n\u2019as pas encore de compte 3a chez <strong>Neon, Viac ou True Wealth<\/strong>, <strong>Finpension 3a est une excellente alternative<\/strong> \u00e0 \u00e9tudier s\u00e9rieusement !<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-light-green-cyan-color has-text-color has-link-color wp-elements-16\"><span class=\"ez-toc-section\" id=\"Finpension_3a_Simple_Rentable_et_Frais_Acceptables\"><\/span><strong>Finpension 3a : Simple, Rentable et Frais Acceptables<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\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_compte_3a_et_Finpension_3a\"><\/span><strong>FAQ : Tout savoir sur le compte 3a et Finpension 3a<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\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-17\"><span class=\"ez-toc-section\" id=\"Quels_sont_les_avantages_fiscaux_dun_compte_3a_en_Suisse\"><\/span><strong>Quels sont les avantages fiscaux d\u2019un compte 3a en Suisse ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Un <strong>compte 3a<\/strong> permet de <strong>r\u00e9duire ton imp\u00f4t sur le revenu<\/strong> en Suisse. Chaque versement effectu\u00e9 sur ce compte est <strong>d\u00e9ductible fiscalement<\/strong>, ce qui peut te faire \u00e9conomiser <strong>plusieurs milliers de francs par an<\/strong>, selon ta situation. Cependant, les montants retir\u00e9s sont imposables au moment du retrait. En r\u00e9alit\u00e9, c\u2019est un outil id\u00e9al pour <strong>optimiser ta fiscalit\u00e9<\/strong> tout en pr\u00e9parant ta retraite ou un projet immobilier.<\/p>\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-18\"><span class=\"ez-toc-section\" id=\"Quand_peut-on_retirer_largent_dun_compte_3a\"><\/span><strong>Quand peut-on retirer l\u2019argent d\u2019un compte 3a ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019argent plac\u00e9 sur un <strong>compte 3a<\/strong> est bloqu\u00e9 jusqu\u2019\u00e0 l\u2019un des <strong>4 cas suivants<\/strong> :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Achat de ta r\u00e9sidence principale<\/strong> en Suisse<\/li>\n\n\n\n<li><strong>D\u00e9part d\u00e9finitif \u00e0 l\u2019\u00e9tranger<\/strong><\/li>\n\n\n\n<li><strong>Cr\u00e9ation ou reprise d\u2019une entreprise en Suisse<\/strong><\/li>\n\n\n\n<li><strong>D\u00e9part \u00e0 la retraite<\/strong> (\u00e0 partir de 5 ans avant l\u2019\u00e2ge l\u00e9gal de la retraite)<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">En v\u00e9rit\u00e9, ces restrictions garantissent que le compte 3a reste un outil de <strong>pr\u00e9voyance \u00e0 long terme<\/strong>.<\/p>\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-19\"><span class=\"ez-toc-section\" id=\"Pourquoi_choisir_Finpension_3a_plutot_quun_autre_compte_3a\"><\/span><strong>Pourquoi choisir Finpension 3a plut\u00f4t qu\u2019un autre compte 3a ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Finpension 3a<\/strong> se distingue par :<br>\u2705 <strong>Des frais de gestion tr\u00e8s bas (0,39 %)<\/strong>, parmi les plus comp\u00e9titifs du march\u00e9 (avec Viac et Neon 3a).<br>\u2705 <strong>6 strat\u00e9gies d\u2019investissement vari\u00e9es<\/strong>, adapt\u00e9es \u00e0 tous les profils (de 0 % \u00e0 100 % en actions).<br>\u2705 <strong>Une r\u00e9partition g\u00e9ographique optimale<\/strong> (ex. : 40 % Suisse \/ 60 % monde avec la strat\u00e9gie Global 100).<br>\u2705 <strong>Jusqu\u2019\u00e0 5 portefeuilles 3a<\/strong> pour une <strong>optimisation fiscale<\/strong> lors des retraits.<br>\u2705 <strong>Un rendement pass\u00e9 \u00e9lev\u00e9<\/strong> (9,25 % annualis\u00e9 sur 10 ans pour Global 100).<br>\u2705 <strong>S\u00e9curit\u00e9 et transparence<\/strong> : les titres sont s\u00e9par\u00e9s de ceux de Finpension en cas de faillite.<\/p>\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-20\"><span class=\"ez-toc-section\" id=\"Quelles_sont_les_strategies_dinvestissement_disponibles_avec_Finpension_3a\"><\/span><strong>Quelles sont les strat\u00e9gies d\u2019investissement disponibles avec Finpension 3a ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Notons que Finpension 3a propose <strong>6 strat\u00e9gies pr\u00e9d\u00e9finies<\/strong>, allant de <strong>0 % \u00e0 100 % en actions<\/strong>, avec des r\u00e9partitions entre <strong>actions, obligations, immobilier et liquidit\u00e9s<\/strong>. Voici un exemple :<\/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\">Actions<\/th><th class=\"has-text-align-center\" data-align=\"center\">Obligations<\/th><th class=\"has-text-align-center\" data-align=\"center\">Immobilier<\/th><th class=\"has-text-align-center\" data-align=\"center\">Liquidit\u00e9s<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">0 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">99 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">0 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">1 %<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">100 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">0 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">0 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">1 %<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Tu peux aussi <strong>personnaliser ta strat\u00e9gie<\/strong> ou opter pour des <strong>fonds indiciels Swisscanto<\/strong>. Selon mon opinion, la strat\u00e9gie <strong>Global 100<\/strong> (40 % Suisse, 37 % USA, 23 % reste du monde) est particuli\u00e8rement recommand\u00e9e pour un <strong>investissement long terme<\/strong>.<\/p>\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-21\"><span class=\"ez-toc-section\" id=\"Combien_de_comptes_3a_peut-on_detenir_en_Suisse\"><\/span><strong>Combien de comptes 3a peut-on d\u00e9tenir en Suisse ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Cela d\u00e9pend de canton de r\u00e9sident du client 3a.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Globalement, il n\u2019y a <strong>pas de limite l\u00e9gale<\/strong> au nombre de comptes 3a que tu peux ouvrir. Cependant, pour <strong>optimiser tes imp\u00f4ts lors des retraits<\/strong>, il est conseill\u00e9 d\u2019en d\u00e9tenir <strong>plusieurs<\/strong> (ex. : 3 comptes de 100 000 CHF plut\u00f4t qu\u2019un seul de 300 000 CHF).<br><strong>En v\u00e9rit\u00e9, Finpension 3a permet d\u2019ouvrir jusqu\u2019\u00e0 5 portefeuilles<\/strong>, ce qui est id\u00e9al pour une <strong>strat\u00e9gie fiscale efficace<\/strong>.<\/p>\n\n\n\n<p class=\"has-text-align-center has-background wp-block-paragraph\" style=\"background-color:#08481b\"><strong>Abonne-toi pour les nouveaut\u00e9s<\/strong><\/p>\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=15162\" 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 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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\/2eme-pilier-bases-comprendre\/\">2\u00e8me pilier: Les bases \u00e0 comprendre<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/top-5-astuces-pour-gagner-de-largent-depuis-chez-soi\/\">Top 5 astuces pour gagner de l\u2019argent depuis chez soi<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-version-simplifiee\/\">Comment investir 1200 CHF &#8211; Version simplifi\u00e9e<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-avec-petit-budget\/\">Comment investir avec un petit budget?<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/reit-investir-dans-immobilier-passif\/\">REIT: investir dans l&#8217;immobilier passif<\/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-22 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-23\"><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<p class=\"wp-block-paragraph\">C&#8217;est dans ce but que j&#8217;ai d\u00e9cid\u00e9 de cr\u00e9er ce blog. Afin 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 Jonny?<\/strong><\/h5>\n\n\n\n<p class=\"has-text-align-left 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=\"has-text-align-left 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-text-align-center has-light-green-cyan-color has-text-color has-link-color wp-elements-24 wp-block-paragraph\">Finpension 3a : Simple Rentable et Frais Acceptables<\/p>\n\n\n\n<p class=\"has-background-color has-text-color has-link-color wp-elements-25 wp-block-paragraph\">Finpension 3a : Simple, Rentable et Frais Acceptables<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Finpension 3a is one of the best performing 3rd pillars in Switzerland: ultra-low fees, great investment freedom and 100% digital management to optimize your future.<\/p>","protected":false},"author":215552267,"featured_media":25271,"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_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"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":[728545992,728546000,728545988,728545994,728545996,728545993,728545989,728545990,728545997,728545984,728545999,728545991,728545995,728546001,728545998],"class_list":["post-15162","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investissement","tag-achat-logement-principal-compte-3a","tag-avantages-fiscaux-compte-3a","tag-comparatif-compte-3a-suisse","tag-compte-3a-suisse","tag-creation-entreprise-suisse-compte-3a","tag-depart-a-letranger-compte-3a","tag-finpension-3a-avis","tag-frais-de-gestion-finpension-3a","tag-meilleure-strategie-investissement-3a","tag-nombre-de-comptes-3a-autorises","tag-optimisation-fiscale-compte-3a","tag-reduction-impots-compte-3a","tag-rendement-finpension-3a","tag-retrait-compte-3a-conditions","tag-securite-compte-3a"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - 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