{"id":16146,"date":"2026-08-19T10:16:24","date_gmt":"2026-08-19T08:16:24","guid":{"rendered":"https:\/\/minimalistefrugaliste.com\/?p=16146"},"modified":"2026-08-19T11:43:49","modified_gmt":"2026-08-19T09:43:49","slug":"understand-the-3-swiss-pillars-in-5-minutes","status":"publish","type":"post","link":"https:\/\/minimalistefrugaliste.com\/en\/comprendre-les-3-piliers-suisses-en-5-minutes\/","title":{"rendered":"Understanding the 3 Swiss Pillars in 5 minutes"},"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>Voici un guide afin de comprendre les 3 piliers Suisses en 5 minutes. L&#8217;objectif est d&#8217;estimer ton budget pour les derni\u00e8res ann\u00e9es de vie.<\/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\/comprendre-les-3-piliers-suisses-en-5-minutes\/#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\/comprendre-les-3-piliers-suisses-en-5-minutes\/#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\/comprendre-les-3-piliers-suisses-en-5-minutes\/#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\/comprendre-les-3-piliers-suisses-en-5-minutes\/#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\/comprendre-les-3-piliers-suisses-en-5-minutes\/#Pourquoi_ce_guide\" >Pourquoi ce guide ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comprendre-les-3-piliers-suisses-en-5-minutes\/#Les_3_piliers_en_un_coup_doeil\" >Les 3 piliers en un coup d\u2019\u0153il<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comprendre-les-3-piliers-suisses-en-5-minutes\/#1er_pilier_LAVS_Assurance-Vieillesse_et_Survivants\" >1er pilier : L\u2019AVS (Assurance-Vieillesse et Survivants)<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comprendre-les-3-piliers-suisses-en-5-minutes\/#2eme_pilier_La_LPP_Prevoyance_Professionnelle\" >2\u00e8me pilier : La LPP (Pr\u00e9voyance Professionnelle)<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comprendre-les-3-piliers-suisses-en-5-minutes\/#Exemple_concret\" >Exemple concret :<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comprendre-les-3-piliers-suisses-en-5-minutes\/#3eme_pilier_La_prevoyance_privee_3a\" >3\u00e8me pilier : La pr\u00e9voyance priv\u00e9e (3a)<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comprendre-les-3-piliers-suisses-en-5-minutes\/#Comparaison_des_3_piliers\" >Comparaison des 3 piliers<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comprendre-les-3-piliers-suisses-en-5-minutes\/#Conclusion_Que_retenir\" >Conclusion : Que retenir ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comprendre-les-3-piliers-suisses-en-5-minutes\/#FAQ_Comprendre_les_3_Piliers_Suisses_en_5_minutes\" >FAQ : Comprendre les 3 Piliers Suisses en 5 minutes<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comprendre-les-3-piliers-suisses-en-5-minutes\/#Quest-ce_que_les_3_piliers_suisses\" >Qu\u2019est-ce que les 3 piliers suisses ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comprendre-les-3-piliers-suisses-en-5-minutes\/#Pourquoi_les_3_piliers_sont-ils_importants\" >Pourquoi les 3 piliers sont-ils importants ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comprendre-les-3-piliers-suisses-en-5-minutes\/#Qui_doit_cotiser_aux_3_piliers_en_Suisse\" >Qui doit cotiser aux 3 piliers en Suisse ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comprendre-les-3-piliers-suisses-en-5-minutes\/#A_quel_age_peut-on_toucher_le_1er_pilier_AVS\" >\u00c0 quel \u00e2ge peut-on toucher le 1er pilier (AVS) ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comprendre-les-3-piliers-suisses-en-5-minutes\/#Comment_fonctionne_le_2eme_pilier_LPP\" >Comment fonctionne le 2\u00e8me pilier (LPP) ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comprendre-les-3-piliers-suisses-en-5-minutes\/#Peut-on_retirer_son_2eme_pilier_avant_58_ans\" >Peut-on retirer son 2\u00e8me pilier avant 58 ans ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comprendre-les-3-piliers-suisses-en-5-minutes\/#Quels_sont_les_avantages_du_3eme_pilier_3a\" >Quels sont les avantages du 3\u00e8me pilier (3a) ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comprendre-les-3-piliers-suisses-en-5-minutes\/#Combien_peut-on_toucher_avec_les_3_piliers\" >Combien peut-on toucher avec les 3 piliers ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comprendre-les-3-piliers-suisses-en-5-minutes\/#Peut-on_racheter_des_annees_manquantes_dans_le_2eme_pilier\" >Peut-on racheter des ann\u00e9es manquantes dans le 2\u00e8me pilier ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comprendre-les-3-piliers-suisses-en-5-minutes\/#Pourquoi_le_3eme_pilier_est-il_indispensable\" >Pourquoi le 3\u00e8me pilier est-il indispensable ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comprendre-les-3-piliers-suisses-en-5-minutes\/#Comprendre_les_3_Piliers_Suisses_en_5_minutes\" >Comprendre les 3 Piliers Suisses en 5 minutes<\/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=\"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\">&#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=\"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\">&#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=\"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\">&#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<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-2\"><span class=\"ez-toc-section\" id=\"Pourquoi_ce_guide\"><\/span><strong>Pourquoi ce guide ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">En Suisse, la pr\u00e9voyance pour la retraite repose sur <strong>trois piliers<\/strong><a href=\"https:\/\/www.bsv.admin.ch\/fr\/trois-piliers\" target=\"_blank\" rel=\"noreferrer noopener\">*<\/a>. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Leur objectif ? <strong>Garantir un revenu stable une fois \u00e0 la retraite<\/strong> et maintenir son niveau de vie (et m\u00eame avant).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mais comment fonctionnent-ils ? Qui doit cotiser ? Combien peut-on toucher ?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ce guide t\u2019explique <strong>l\u2019essentiel \u00e0 savoir<\/strong>, avec des exemples concrets et des r\u00e9ponses aux questions fr\u00e9quentes.<\/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-3\"><span class=\"ez-toc-section\" id=\"Les_3_piliers_en_un_coup_doeil\"><\/span><strong>Les 3 piliers en un coup d\u2019\u0153il<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Voici un r\u00e9sum\u00e9 des 3 piliers suisses<\/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\">Pilier<\/th><th class=\"has-text-align-center\" data-align=\"center\">Nom officiel<\/th><th class=\"has-text-align-center\" data-align=\"center\">Obligatoire ?<\/th><th class=\"has-text-align-center\" data-align=\"center\">\u00c0 quoi \u00e7a sert ?<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>1er pilier<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">AVS\/AI<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2705 Oui, pour tous les travailleurs<\/td><td class=\"has-text-align-center\" data-align=\"center\">Couvrir les <strong>besoins vitaux<\/strong> (logement, nourriture).<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>2\u00e8me pilier<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">LPP (Pr\u00e9voyance professionnelle)<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2705 Oui, pour les <strong>salari\u00e9s<\/strong> (employeur + employ\u00e9). \u274c Non pour les ind\u00e9pendants (sauf exceptions).<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Compl\u00e9ter le 1er pilier<\/strong> pour maintenir son niveau de vie.<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>3\u00e8me pilier<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">3a (Pr\u00e9voyance priv\u00e9e)<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u274c Non, mais <strong>fortement recommand\u00e9<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Optimiser sa retraite<\/strong> (\u00e9pargne + avantages fiscaux).<\/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-4\"><span class=\"ez-toc-section\" id=\"1er_pilier_LAVS_Assurance-Vieillesse_et_Survivants\"><\/span><strong>1er pilier : L\u2019AVS (Assurance-Vieillesse et Survivants)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"has-text-align-left wp-block-paragraph\">Le 1er pilier est une <strong>assurance sociale obligatoire<\/strong> pour tous les travailleurs en Suisse. Elle est financ\u00e9e par des cotisations pr\u00e9lev\u00e9es directement sur ton salaire.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Comment \u00e7a marche ?<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Tu cotises <strong>tout au long de ta carri\u00e8re<\/strong>.<\/li>\n\n\n\n<li>\u00c0 la retraite, tu re\u00e7ois une <strong>rente mensuelle<\/strong> calcul\u00e9e en fonction :\n<ul class=\"wp-block-list\">\n<li>Du <strong>nombre d\u2019ann\u00e9es cotis\u00e9es<\/strong>.<\/li>\n\n\n\n<li>Du <strong>montant de tes cotisations<\/strong> (selon ton salaire).<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Combien touche-t-on ?<\/strong><br>Les montants <strong>varient<\/strong>, mais voici les <strong>plafonds maximaux<\/strong> (en 2026) :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Personne c\u00e9libataire<\/strong> : entre <strong>1 260 CHF et 2 520 CHF\/mois<\/strong>.<\/li>\n\n\n\n<li><strong>Couple mari\u00e9<\/strong> : jusqu\u2019\u00e0 <strong>3 675 CHF\/mois<\/strong> (pour les deux).<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u26a0\ufe0f <strong>Attention<\/strong> : Tr\u00e8s peu de gens touchent la rente maximale. Pour y avoir droit, il faudrait :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Avoir cotis\u00e9 <strong>44 ans<\/strong> (sans interruption).<\/li>\n\n\n\n<li>Avoir eu un <strong>salaire annuel sup\u00e9rieur \u00e0 90 000 CHF<\/strong> pendant toute sa carri\u00e8re.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u00c0 quel \u00e2ge peut-on en b\u00e9n\u00e9ficier ?<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u00c2ge l\u00e9gal<\/strong> : <strong>65 ans<\/strong> (pour les hommes et les femmes en 2026).<\/li>\n\n\n\n<li><strong>Retraite anticip\u00e9e<\/strong> : Possible d\u00e8s <strong>63 ou 64 ans<\/strong>, mais avec une <strong>r\u00e9duction de la rente<\/strong> (p\u00e9nalit\u00e9).<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Exemple concret<\/strong> :<br><em>Jean, 65 ans, a cotis\u00e9 40 ans avec un salaire moyen. Il touche <strong>1 800 CHF\/mois<\/strong> de l\u2019AVS.<\/em><\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a96debf76160&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a96debf76160\" class=\"wp-block-image aligncenter size-large is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"1024\" data-attachment-id=\"32168\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/minimaliste-et-frugaliste-6a85640754739\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a85640754739.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=\"R\u00e9sum\u00e9 simple du premier pilier suisse AVS\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a85640754739.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-6a85640754739.png?resize=1024%2C1024&#038;ssl=1\" alt=\"R\u00e9sum\u00e9 simple du premier pilier suisse AVS\" class=\"wp-image-32168\" style=\"width:558px;height:auto\" title=\"R\u00e9sum\u00e9 simple du premier pilier suisse AVS\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a85640754739.png?w=1024&amp;ssl=1 1024w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a85640754739.png?resize=300%2C300&amp;ssl=1 300w, 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\/><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<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=\"2eme_pilier_La_LPP_Prevoyance_Professionnelle\"><\/span><strong>2\u00e8me pilier : La LPP (Pr\u00e9voyance Professionnelle)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le 2\u00e8me pilier est un <strong>compl\u00e9ment au 1er pilier<\/strong> pour \u00e9viter une baisse trop importante de ton niveau de vie \u00e0 la retraite.<br>Contrairement \u00e0 l\u2019AVS, <strong>chaque travailleur a son propre compte<\/strong> (capital individuel).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Comment \u00e7a marche ?<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Si tu es salari\u00e9<\/strong> : Ton employeur et toi cotisez <strong>chaque mois<\/strong> (le pourcentage varie selon l\u2019employeur).<\/li>\n\n\n\n<li><strong>Si tu es ind\u00e9pendant<\/strong> : La cotisation est <strong>facultative<\/strong> (mais recommand\u00e9e).<\/li>\n\n\n\n<li><strong>Les fonds sont investis<\/strong> par ta caisse de pension (les rendements d\u00e9pendent de ses performances).<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Combien touche-t-on ?<\/strong><br>Cela d\u00e9pend :<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Du <strong>montant cotis\u00e9<\/strong> pendant ta carri\u00e8re.<\/li>\n\n\n\n<li>Des <strong>rendements<\/strong> g\u00e9n\u00e9r\u00e9s par ta caisse de pension.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Comment r\u00e9cup\u00e9rer son argent ?<\/strong><br>\u00c0 partir de <strong>58 ans<\/strong> (jusqu\u2019\u00e0 70 ans), tu as <strong>3 options<\/strong> :<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Retirer 100% en capital<\/strong> (sur ton compte bancaire).<\/li>\n\n\n\n<li><strong>Recevoir une rente mensuelle<\/strong> jusqu\u2019\u00e0 \u00e9puisement du capital.<\/li>\n\n\n\n<li><strong>M\u00e9langer les deux<\/strong> (ex. : 50% en capital + 50% en rente).<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Notons que si tu choisis une rente<\/strong>, elle repr\u00e9sente g\u00e9n\u00e9ralement <strong>60% de ton dernier salaire<\/strong> et elle est vers\u00e9e jusqu\u2019\u00e0 \u00e9puisement du capital. Et si tu choisis le capital, tu re\u00e7ois l&#8217;argent directement dans ton compte bancaire.<\/p>\n\n\n\n<h4 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-6\"><span class=\"ez-toc-section\" id=\"Exemple_concret\"><\/span><strong>Exemple concret<\/strong> :<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Marie, 65 ans, a <strong>240 000 CHF<\/strong> dans son 2\u00e8me pilier apr\u00e8s 40 ann\u00e9es de travail \u00e0 80%. Elle choisit une rente mensuelle sur 20 ans.<br>\u2192 Elle recevra <strong>1 000 CHF\/mois<\/strong> en plus de son 1er pilier (1 500 CHF).<br>\u2192 <strong>Total mensuel<\/strong> : <strong>2 500 CHF\/mois<\/strong> pendant 20 ans.<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Peut-on retirer son 2\u00e8me pilier avant 58 ans ?<\/strong><br>Oui, mais <strong>uniquement dans 3 cas<\/strong> :<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Achat d\u2019une r\u00e9sidence principale<\/strong> en Suisse.<\/li>\n\n\n\n<li><strong>D\u00e9part \u00e0 l\u2019\u00e9tranger<\/strong> (si tu quittes d\u00e9finitivement la Suisse).<\/li>\n\n\n\n<li><strong>Cr\u00e9ation d\u2019une entreprise<\/strong> (si tu deviens ind\u00e9pendant).<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">\u26a0\ufe0f <strong>Attention<\/strong> : Dans la plupart des cas, tu ne peux retirer <strong>qu\u2019une partie<\/strong> du capital.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Et si j\u2019ai des ann\u00e9es manquantes ?<\/strong><br>Si tu n\u2019as pas cotis\u00e9 entre <strong>25 et 65 ans<\/strong> (ex. : ch\u00f4mage, \u00e9tudes), tu peux <strong>racheter ces ann\u00e9es<\/strong> (avec des avantages fiscaux). Sinon, tu pourras \u00eatre p\u00e9nalis\u00e9 selon la caisse de pension.<\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a96debf782a4&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a96debf782a4\" 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=\"32170\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/minimaliste-et-frugaliste-6a856480bae3f\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a856480bae3f.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=\"Guide visuel du deuxi\u00e8me pilier suisse\" data-image-description=\"&lt;p&gt;Infographie verticale en fran\u00e7ais intitul\u00e9e \u00ab R\u00c9SUM\u00c9 SIMPLE DU DEUXI\u00c8ME PILIER SUISSE \u00bb, organis\u00e9e en quatre colonnes color\u00e9es. Elle pr\u00e9sente l\u2019objectif de maintenir le niveau de vie apr\u00e8s la retraite, le financement par cotisations partag\u00e9es et capitalisation individuelle, les prestations de retraite d\u00e8s 65 ans avec rentes et prestations d\u2019invalidit\u00e9 ou de survivants, ainsi que l\u2019obligation pour les salari\u00e9s et les variations selon les caisses de pension. Des illustrations de maisons, d\u2019argent, de salaires, d\u2019arbres, de retrait\u00e9s, de bagages, d\u2019engrenages et de montagnes suisses accompagnent chaque section.&lt;\/p&gt;\n\" data-image-caption=\"&lt;p&gt;Cette infographie r\u00e9sume le fonctionnement, le financement et les prestations du deuxi\u00e8me pilier suisse.&lt;\/p&gt;\n\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a856480bae3f.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-6a856480bae3f.png?resize=600%2C600&#038;ssl=1\" alt=\"R\u00e9sum\u00e9 simple du deuxi\u00e8me pilier suisse : objectif principal, fonctionnement, prestations et \u00e2ge, obligation et variations - Comprendre les 3 Piliers Suisses en 5 minutes\" class=\"wp-image-32170\" style=\"width:574px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a856480bae3f.png?resize=600%2C600&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a856480bae3f.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a856480bae3f.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a856480bae3f.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a856480bae3f.png?resize=12%2C12&amp;ssl=1 12w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a856480bae3f.png?resize=100%2C100&amp;ssl=1 100w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a856480bae3f.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<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=\"3eme_pilier_La_prevoyance_privee_3a\"><\/span><strong>3\u00e8me pilier : La pr\u00e9voyance priv\u00e9e (3a)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le 3\u00e8me pilier est un <strong>compte d\u2019\u00e9pargne personnel<\/strong> avec <strong>des avantages fiscaux<\/strong>. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Il permet de :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>R\u00e9duire ses imp\u00f4ts<\/strong> (les cotisations sont d\u00e9ductibles).<\/li>\n\n\n\n<li><strong>Investir simplement<\/strong> (ETF \u00e0 croissance, obligations, etc.).<\/li>\n\n\n\n<li><strong>Compl\u00e9ter ses revenus \u00e0 la retraite<\/strong>.<\/li>\n\n\n\n<li><strong>Financer un projet<\/strong> (achat d\u2019un logement, d\u00e9part \u00e0 l\u2019\u00e9tranger).<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pourquoi est-il indispensable ?<\/strong><br>Car les <strong>1er et 2\u00e8me piliers ne suffisent souvent pas<\/strong> pour maintenir ton train de vie.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Exemple concret<\/strong> :<br>Cl\u00e9mentine, 65 ans, touche :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>1 400 CHF\/mois<\/strong> de l\u2019AVS (1er pilier).<\/li>\n\n\n\n<li><strong>1 000 CHF\/mois<\/strong> de la LPP (2\u00e8me pilier, pendant 10 ans).<br>\u2192 <strong>Total<\/strong> : <strong>2 400 CHF\/mois<\/strong> pendant 10 ans, puis <strong>1 400 CHF\/mois<\/strong> apr\u00e8s 75 ans.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Mais son train de vie co\u00fbte <strong>4 000 CHF\/mois<\/strong>.<br>\u2192 <strong>Manque \u00e0 gagner<\/strong> :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>1 600 CHF\/mois<\/strong> entre 65 et 75 ans.<\/li>\n\n\n\n<li><strong>2 600 CHF\/mois<\/strong> apr\u00e8s 75 ans.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Heuresement, Cl\u00e9mentine a un <strong>3\u00e8me pilier bien rempli<\/strong>, elle peut <strong>compl\u00e9ter ses revenus<\/strong> et \u00e9viter cette baisse de niveau de vie.<\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a96debf7a091&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a96debf7a091\" class=\"wp-block-image size-large wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"600\" data-attachment-id=\"32172\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/minimaliste-et-frugaliste-6a8564e1a1bc8\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8564e1a1bc8.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=\"Guide visuel du troisi\u00e8me pilier suisse\" data-image-description=\"&lt;p&gt;Infographie p\u00e9dagogique en fran\u00e7ais consacr\u00e9e au troisi\u00e8me pilier suisse, pr\u00e9sent\u00e9e en quatre colonnes : d\u00e9finition, types 3A et 3B, fonctionnement et avantages. Des illustrations de montagnes, pi\u00e8ces, tirelire, cadenas, graphiques et \u00e9pargne accompagnent le texte sur un fond bleu p\u00e2le, turquoise et blanc. La composition color\u00e9e et structur\u00e9e met en avant la retraite sereine, les \u00e9conomies d\u2019imp\u00f4ts, la flexibilit\u00e9 et la constitution d\u2019un capital futur.&lt;\/p&gt;\n\" data-image-caption=\"&lt;p&gt;Cette infographie explique simplement les types, le fonctionnement et les avantages du troisi\u00e8me pilier suisse.&lt;\/p&gt;\n\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8564e1a1bc8.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-6a8564e1a1bc8.png?resize=600%2C600&#038;ssl=1\" alt=\"R\u00e9sum\u00e9 simple du troisi\u00e8me pilier suisse (3\u00e8me pilier). - Comprendre les 3 Piliers Suisses en 5 minutes\" class=\"wp-image-32172\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8564e1a1bc8.png?resize=600%2C600&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8564e1a1bc8.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8564e1a1bc8.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8564e1a1bc8.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8564e1a1bc8.png?resize=12%2C12&amp;ssl=1 12w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8564e1a1bc8.png?resize=100%2C100&amp;ssl=1 100w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8564e1a1bc8.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<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=\"Comparaison_des_3_piliers\"><\/span><strong>Comparaison des 3 piliers<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Voici un comparatif des 3 piliers:<\/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\">Crit\u00e8re<\/th><th class=\"has-text-align-center\" data-align=\"center\">1er pilier (AVS)<\/th><th class=\"has-text-align-center\" data-align=\"center\">2\u00e8me pilier (LPP)<\/th><th class=\"has-text-align-center\" data-align=\"center\">3\u00e8me pilier (3a)<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Obligatoire ?<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2705 Oui<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2705 Oui (pour les salari\u00e9s)<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u274c Non<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Montant des cotisations<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">% du salaire (fix\u00e9 par l\u2019\u00c9tat)<\/td><td class=\"has-text-align-center\" data-align=\"center\">% du salaire (variable selon l\u2019employeur)<\/td><td class=\"has-text-align-center\" data-align=\"center\">Libre (plafond annuel)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Rendement<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Aucun (syst\u00e8me de r\u00e9partition)<\/td><td class=\"has-text-align-center\" data-align=\"center\">D\u00e9pend de la caisse de pension<\/td><td class=\"has-text-align-center\" data-align=\"center\">D\u00e9pend de tes investissements<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>\u00c2ge de retrait<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">65 ans (63-64 ans avec p\u00e9nalit\u00e9)<\/td><td class=\"has-text-align-center\" data-align=\"center\">58-70 ans<\/td><td class=\"has-text-align-center\" data-align=\"center\">60 ans (ou avant sous conditions)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Fiscalit\u00e9<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Rente imposable<\/td><td class=\"has-text-align-center\" data-align=\"center\">Rente ou capital imposable<\/td><td class=\"has-text-align-center\" data-align=\"center\">Avantages fiscaux \u00e0 la cotisation<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Utilisation possible<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Rente mensuelle<\/td><td class=\"has-text-align-center\" data-align=\"center\">Capital ou rente<\/td><td class=\"has-text-align-center\" data-align=\"center\">Capital, rente, achat logement, d\u00e9part \u00e0 l\u2019\u00e9tranger<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a96debf7d422&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a96debf7d422\" class=\"wp-block-image aligncenter size-large wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"400\" data-attachment-id=\"32174\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/comprendre-les-3-piliers-suisses-en-5-minutes\/graphique-3-piliers-suisse\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/10\/graphique-3-piliers-suisse.png?fit=1536%2C1024&amp;ssl=1\" data-orig-size=\"1536,1024\" 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=\"graphique &amp;#8211; 3 piliers suisse\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/10\/graphique-3-piliers-suisse.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\/2024\/10\/graphique-3-piliers-suisse.png?resize=600%2C400&#038;ssl=1\" alt=\"\" class=\"wp-image-32174\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/10\/graphique-3-piliers-suisse.png?resize=600%2C400&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/10\/graphique-3-piliers-suisse.png?resize=300%2C200&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/10\/graphique-3-piliers-suisse.png?resize=768%2C512&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/10\/graphique-3-piliers-suisse.png?resize=18%2C12&amp;ssl=1 18w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/10\/graphique-3-piliers-suisse.png?resize=1200%2C800&amp;ssl=1 1200w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/10\/graphique-3-piliers-suisse.png?resize=1320%2C880&amp;ssl=1 1320w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/10\/graphique-3-piliers-suisse.png?w=1536&amp;ssl=1 1536w\" 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<h3 class=\"wp-block-heading has-text-align-center has-vivid-red-background-color has-background\"><span class=\"ez-toc-section\" id=\"Conclusion_Que_retenir\"><\/span><strong>Conclusion : Que retenir ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Le 1er pilier (AVS)<\/strong> est <strong>obligatoire<\/strong> et couvre les <strong>besoins de base<\/strong>, mais il est souvent <strong>insuffisant<\/strong>.<\/li>\n\n\n\n<li><strong>Le 2\u00e8me pilier (LPP)<\/strong> est <strong>obligatoire pour les salari\u00e9s<\/strong> et permet de <strong>maintenir son niveau de vie<\/strong>. Tu peux le retirer en capital ou en rente \u00e0 un \u00e2ge avanc\u00e9.<\/li>\n\n\n\n<li><strong>Le 3\u00e8me pilier (3a)<\/strong> est <strong>facultatif mais essentiel<\/strong> pour :\n<ul class=\"wp-block-list\">\n<li><strong>Compl\u00e9ter tes revenus<\/strong> \u00e0 la retraite.<\/li>\n\n\n\n<li><strong>B\u00e9n\u00e9ficier d\u2019avantages fiscaux<\/strong>.<\/li>\n\n\n\n<li><strong>Financer des projets<\/strong> (logement, d\u00e9part \u00e0 l\u2019\u00e9tranger).<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-white-color has-vivid-red-background-color has-text-color has-background has-link-color wp-elements-9\"><span class=\"ez-toc-section\" id=\"FAQ_Comprendre_les_3_Piliers_Suisses_en_5_minutes\"><\/span><strong>FAQ <\/strong>: Comprendre les 3 Piliers Suisses en 5 minutes<span class=\"ez-toc-section-end\"><\/span><\/h3>\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=\"Quest-ce_que_les_3_piliers_suisses\"><\/span><strong>Qu\u2019est-ce que les 3 piliers suisses ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Les 3 piliers suisses sont un <strong>syst\u00e8me de pr\u00e9voyance<\/strong> con\u00e7u pour assurer un revenu stable \u00e0 la retraite. Ils se composent de :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>L\u2019AVS (1er pilier)<\/strong> : une assurance sociale obligatoire pour couvrir les besoins vitaux.<\/li>\n\n\n\n<li><strong>La LPP (2\u00e8me pilier)<\/strong> : une pr\u00e9voyance professionnelle pour maintenir ton niveau de vie.<\/li>\n\n\n\n<li><strong>Le 3a (3\u00e8me pilier)<\/strong> : une \u00e9pargne priv\u00e9e avec des avantages fiscaux.<\/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-11\"><span class=\"ez-toc-section\" id=\"Pourquoi_les_3_piliers_sont-ils_importants\"><\/span><strong>Pourquoi les 3 piliers sont-ils importants ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Parce qu\u2019ils <strong>compl\u00e8tent<\/strong> les uns les autres. En effet, l\u2019AVS seule ne suffit pas pour vivre d\u00e9cemment \u00e0 la retraite. <strong>De plus<\/strong>, le 2\u00e8me pilier d\u00e9pend de ton employeur, tandis que le 3\u00e8me pilier te permet d\u2019<strong>optimiser<\/strong> ton \u00e9pargne et tes imp\u00f4ts.<\/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=\"Qui_doit_cotiser_aux_3_piliers_en_Suisse\"><\/span><strong>Qui doit cotiser aux 3 piliers en Suisse ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Le 1er pilier (AVS)<\/strong> est <strong>obligatoire<\/strong> pour tous les travailleurs.<\/li>\n\n\n\n<li><strong>Le 2\u00e8me pilier (LPP)<\/strong> est <strong>obligatoire<\/strong> pour les salari\u00e9s, mais <strong>facultatif<\/strong> pour les ind\u00e9pendants.<\/li>\n\n\n\n<li><strong>Le 3\u00e8me pilier (3a)<\/strong> est <strong>facultatif<\/strong>, mais <strong>fortement recommand\u00e9<\/strong> pour compl\u00e9ter tes revenus.<\/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-13\"><span class=\"ez-toc-section\" id=\"A_quel_age_peut-on_toucher_le_1er_pilier_AVS\"><\/span><strong>\u00c0 quel \u00e2ge peut-on toucher le 1er pilier (AVS) ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019\u00e2ge l\u00e9gal est <strong>65 ans<\/strong>. <strong>Cependant<\/strong>, il est possible de prendre une retraite anticip\u00e9e d\u00e8s <strong>63 ou 64 ans<\/strong>, mais avec une <strong>r\u00e9duction de la rente<\/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-14\"><span class=\"ez-toc-section\" id=\"Comment_fonctionne_le_2eme_pilier_LPP\"><\/span><strong>Comment fonctionne le 2\u00e8me pilier (LPP) ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Le 2\u00e8me pilier est aliment\u00e9 par des <strong>cotisations mensuelles<\/strong> (employeur + salari\u00e9). <strong>Ensuite<\/strong>, \u00e0 la retraite, tu peux choisir entre :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Retirer <strong>100% en capital<\/strong>.<\/li>\n\n\n\n<li>Recevoir une <strong>rente mensuelle<\/strong>.<\/li>\n\n\n\n<li><strong>M\u00e9langer<\/strong> les deux options.<\/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-15\"><span class=\"ez-toc-section\" id=\"Peut-on_retirer_son_2eme_pilier_avant_58_ans\"><\/span><strong>Peut-on retirer son 2\u00e8me pilier avant 58 ans ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Oui, mais <strong>uniquement<\/strong> dans 3 cas :<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Achat d\u2019une 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 d\u2019une entreprise<\/strong> (si tu deviens ind\u00e9pendant).<\/li>\n<\/ol>\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=\"Quels_sont_les_avantages_du_3eme_pilier_3a\"><\/span><strong>Quels sont les avantages du 3\u00e8me pilier (3a) ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Le 3\u00e8me pilier offre <strong>plusieurs avantages<\/strong> :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>R\u00e9duction d\u2019imp\u00f4ts<\/strong> (les cotisations sont d\u00e9ductibles).<\/li>\n\n\n\n<li><strong>Investissement simple<\/strong> (ETF, comptes \u00e9pargne, etc.).<\/li>\n\n\n\n<li><strong>Compl\u00e9ment de revenus<\/strong> \u00e0 la retraite.<\/li>\n\n\n\n<li><strong>Financement de projets<\/strong> (achat d\u2019un logement, d\u00e9part \u00e0 l\u2019\u00e9tranger).<\/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=\"Combien_peut-on_toucher_avec_les_3_piliers\"><\/span><strong>Combien peut-on toucher avec les 3 piliers ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Cela d\u00e9pend de <strong>ton salaire<\/strong>, de <strong>tes ann\u00e9es de cotisation<\/strong> et de <strong>tes choix d\u2019investissement<\/strong>. <strong>Par exemple<\/strong> :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>1er pilier<\/strong> : entre 1 260 CHF et 2 520 CHF\/mois.<\/li>\n\n\n\n<li><strong>2\u00e8me pilier<\/strong> : variable (ex. : 1 000 CHF\/mois pour un capital de 240 000 CHF).<\/li>\n\n\n\n<li><strong>3\u00e8me pilier<\/strong> : d\u00e9pend de ton \u00e9pargne personnelle.<\/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-18\"><span class=\"ez-toc-section\" id=\"Peut-on_racheter_des_annees_manquantes_dans_le_2eme_pilier\"><\/span><strong>Peut-on racheter des ann\u00e9es manquantes dans le 2\u00e8me pilier ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Oui, il est possible de <strong>racheter des ann\u00e9es manquantes<\/strong> (lacunes de pr\u00e9voyance) pour compl\u00e9ter tes cotisations. <strong>En revanche<\/strong>, il est souvent plus judicieux de <strong>remplir d\u2019abord ton 3\u00e8me pilier<\/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=\"Pourquoi_le_3eme_pilier_est-il_indispensable\"><\/span><strong>Pourquoi le 3\u00e8me pilier est-il indispensable ?<\/strong> <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Parce que<\/strong> les 1er et 2\u00e8me piliers ne suffisent g\u00e9n\u00e9ralement pas pour maintenir ton train de vie. <strong>En effet<\/strong>, sans 3\u00e8me pilier, tu pourrais manquer de <strong>1 600 CHF \u00e0 2 600 CHF\/mois<\/strong> \u00e0 la retraite.<\/p>\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><\/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=16146\" 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\/investir-etranger-taux-change-ne-dit-pas\/\">Investir \u00e0 l&#8217;\u00e9tranger : ce que le taux de change ne dit pas<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-optimiser-son-2eme-pilier\/\">Comment optimiser son 2\u00e8me pilier?<\/a><\/li>\n<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<\/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-20 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-21\"><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\">Depuis quelques ann\u00e9es je me sens heureux et 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=\"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<h2 class=\"wp-block-heading has-text-align-center has-light-green-cyan-color has-text-color has-link-color wp-elements-22\"><span class=\"ez-toc-section\" id=\"Comprendre_les_3_Piliers_Suisses_en_5_minutes\"><\/span>Comprendre les 3 Piliers Suisses en 5 minutes<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"has-background-color has-text-color has-link-color wp-elements-23 wp-block-paragraph\">Les 3 piliers en Suisse concernent tous les habitants de Suisse. Voici un article pour comprendre les 3 Piliers Suisses en 5 minutes <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Discover how the three Swiss pension pillars (AVS, LPP, 3a) allow you to prepare for a worry-free retirement. And even before then, learn how to optimize your savings, reduce your taxes, and estimate your assets at a later age!<\/p>","protected":false},"author":215552267,"featured_media":32175,"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":"Voici un guide afin de comprendre les 3 piliers Suisses en 5 minutes. L'objectif est d'estimer le budget pour les derni\u00e8res ann\u00e9es de vie.","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2},"_wpas_customize_per_network":false,"jetpack_post_was_ever_published":false},"categories":[725575],"tags":[728545928,728545935,728545929,728545940,728545931,728545939,728545936,728545933,728545446,728545938,728545932,728545930,728545937,728545373,728545934],"class_list":["post-16146","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investissement","tag-3-piliers-suisses","tag-avantages-fiscaux-3a","tag-avs-lpp-3a","tag-age-retraite-suisse","tag-epargne-3eme-pilier","tag-calcul-rente-avs","tag-complement-de-revenus-retraite","tag-cotisations-avs","tag-optimisation-fiscale-suisse","tag-prevoyance-privee-3a","tag-prevoyance-professionnelle-lpp","tag-prevoyance-retraite-suisse","tag-rachat-annees-lpp","tag-retraite-anticipee-suisse","tag-systeme-de-retraite-suisse"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Comprendre les 3 Piliers Suisses en 5 minutes - Minimaliste et Frugaliste<\/title>\n<meta name=\"description\" content=\"Les 3 piliers en Suisse concernent tous les habitants de Suisse. 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