{"id":17938,"date":"2026-08-31T13:48:29","date_gmt":"2026-08-31T11:48:29","guid":{"rendered":"https:\/\/minimalistefrugaliste.com\/?p=17938"},"modified":"2026-09-23T10:13:53","modified_gmt":"2026-09-23T08:13:53","slug":"how-to-optimize-your-2nd-pillar","status":"publish","type":"post","link":"https:\/\/minimalistefrugaliste.com\/en\/comment-optimiser-son-2eme-pilier\/","title":{"rendered":"How to optimize your 2nd pillar?"},"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>Une fois avoir compris les bases et le fonctionnement du 2\u00e8me pilier. La question est comment optimiser son 2\u00e8me pilier? \ud83d\ude09<\/strong><\/p><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_89 ez-toc-wrap-center counter-flat ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table des mati\u00e8res<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #eeee22;color:#eeee22\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #eeee22;color:#eeee22\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-optimiser-son-2eme-pilier\/#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\/comment-optimiser-son-2eme-pilier\/#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\/comment-optimiser-son-2eme-pilier\/#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\/comment-optimiser-son-2eme-pilier\/#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\/comment-optimiser-son-2eme-pilier\/#Avant_de_lire_cet_article\" >Avant de lire cet article<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-optimiser-son-2eme-pilier\/#1_Commence_par_ton_certificat_de_prevoyance\" >1. Commence par ton certificat de pr\u00e9voyance<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-optimiser-son-2eme-pilier\/#2_Compare_le_2P_lorsque_tu_changes_demploi\" >2. Compare le 2P lorsque tu changes d&#8217;emploi<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-optimiser-son-2eme-pilier\/#3_Etudie_la_possibilite_de_faire_des_rachats\" >3. \u00c9tudie la possibilit\u00e9 de faire des rachats<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-optimiser-son-2eme-pilier\/#Pourquoi_un_rachat_peut-il_etre_interessant\" >Pourquoi un rachat peut-il \u00eatre int\u00e9ressant ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-optimiser-son-2eme-pilier\/#4_Ne_fais_pas_forcement_ton_rachat_en_une_seule_fois\" >4. Ne fais pas forc\u00e9ment ton rachat en une seule fois<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-optimiser-son-2eme-pilier\/#%E2%9A%A0%EF%B8%8F_Attention_a_la_regle_des_3_ans\" >\u26a0\ufe0f Attention \u00e0 la r\u00e8gle des 3 ans<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-optimiser-son-2eme-pilier\/#5_Peut-on_investir_son_2eme_pilier_en_bourse\" >5. Peut-on investir son 2\u00e8me pilier en bourse ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-optimiser-son-2eme-pilier\/#Les_avoirs_de_libre_passage\" >Les avoirs de libre passage<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-optimiser-son-2eme-pilier\/#Les_plans_1e\" >Les plans 1e<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-optimiser-son-2eme-pilier\/#6_Ne_neglige_pas_tes_avoirs_de_libre_passage\" >6. Ne n\u00e9glige pas tes avoirs de libre passage<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-optimiser-son-2eme-pilier\/#7_Optimise_egalement_la_sortie_du_2eme_pilier\" >7. Optimise \u00e9galement la sortie du 2\u00e8me pilier<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-optimiser-son-2eme-pilier\/#La_rente\" >La rente<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-optimiser-son-2eme-pilier\/#Le_capital\" >Le capital<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-optimiser-son-2eme-pilier\/#Mix_capital_rente\" >Mix capital \/ rente<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-optimiser-son-2eme-pilier\/#Et_la_fiscalite_du_2P\" >Et la fiscalit\u00e9 du 2P ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-optimiser-son-2eme-pilier\/#Et_si_tu_veux_acheter_un_logement\" >Et si tu veux acheter un logement ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-optimiser-son-2eme-pilier\/#Les_erreurs_courants_a_eviter\" >Les erreurs courants \u00e0 \u00e9viter<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-optimiser-son-2eme-pilier\/#%E2%9D%8C_Faire_un_rachat_uniquement_pour_economiser_des_impots\" >\u274c Faire un rachat uniquement pour \u00e9conomiser des imp\u00f4ts<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-optimiser-son-2eme-pilier\/#%E2%9D%8C_Choisir_une_caisse_uniquement_parce_quelle_a_eu_un_excellent_rendement_lannee_derniere\" >\u274c Choisir une caisse uniquement parce qu&#8217;elle a eu un excellent rendement l&#8217;ann\u00e9e derni\u00e8re<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-optimiser-son-2eme-pilier\/#%E2%9D%8C_Oublier_un_ancien_avoir_de_libre_passage\" >\u274c Oublier un ancien avoir de libre passage<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-optimiser-son-2eme-pilier\/#%E2%9D%8C_Prendre_trop_de_risques_juste_pour_obtenir_un_meilleur_rendement\" >\u274c Prendre trop de risques juste pour obtenir un meilleur rendement<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-optimiser-son-2eme-pilier\/#%E2%9D%8C_Attendre_64_ou_65_ans_pour_reflechir_a_la_sortie\" >\u274c Attendre 64 ou 65 ans pour r\u00e9fl\u00e9chir \u00e0 la sortie<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-optimiser-son-2eme-pilier\/#Combien_peut-on_gagner_en_optimisant_son_2eme_pilier\" >Combien peut-on gagner en optimisant son 2\u00e8me pilier ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-29\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-optimiser-son-2eme-pilier\/#30_40_50_ou_60_ans_vaut-il_mieux_investir_500_CHF_par_mois_ou_racheter_son_2eme_pilier\" >30, 40, 50 ou 60 ans : vaut-il mieux investir 500 CHF par mois ou racheter son 2\u00e8me pilier ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-30\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-optimiser-son-2eme-pilier\/#Strategie_A_investir_500_CHF_par_mois_dans_un_ETF_global\" >Strat\u00e9gie A : investir 500 CHF par mois dans un ETF global<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-31\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-optimiser-son-2eme-pilier\/#Strategie_B_verser_500_CHF_par_mois_dans_son_2eme_pilier\" >Strat\u00e9gie B : verser 500 CHF par mois dans son 2\u00e8me pilier<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-32\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-optimiser-son-2eme-pilier\/#Le_resultat_est_spectaculaire\" >Le r\u00e9sultat est spectaculaire<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-33\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-optimiser-son-2eme-pilier\/#Mais_attention_le_2P_beneficie_dun_avantage_que_notre_tableau_ne_montre_pas\" >Mais attention : le 2P b\u00e9n\u00e9ficie d&#8217;un avantage que notre tableau ne montre pas<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-34\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-optimiser-son-2eme-pilier\/#Alors_qui_gagne_Investir_dans_ETF_Global_ou_sur_son_2eme_pilier\" >Alors, qui gagne ? Investir dans ETF Global ou sur son 2\u00e8me pilier?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-35\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-optimiser-son-2eme-pilier\/#%F0%9F%9F%A2_A_30_ans\" >\ud83d\udfe2 \u00c0 30 ans<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-36\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-optimiser-son-2eme-pilier\/#%F0%9F%9F%A1_A_40_ans\" >\ud83d\udfe1 \u00c0 40 ans<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-37\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-optimiser-son-2eme-pilier\/#%F0%9F%9F%A0_A_50_ans\" >\ud83d\udfe0 \u00c0 50 ans<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-38\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-optimiser-son-2eme-pilier\/#%F0%9F%94%B4_A_60_ans\" >\ud83d\udd34 \u00c0 60 ans<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-39\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-optimiser-son-2eme-pilier\/#Le_piege_comparer_uniquement_les_rendements\" >Le pi\u00e8ge : comparer uniquement les rendements<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-40\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-optimiser-son-2eme-pilier\/#Alors_que_choisir_a_30_40_50_ou_60_ans\" >Alors, que choisir \u00e0 30, 40, 50 ou 60 ans ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-41\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-optimiser-son-2eme-pilier\/#5_etapes_essentielles_afin_doptimiser_son_2P\" >5 \u00e9tapes essentielles afin d&#8217;optimiser son 2P<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-42\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-optimiser-son-2eme-pilier\/#1_Si_tu_es_salarie_analyse_ton_2P_et_les_2P_des_concurrents_de_ton_employeur\" >1. Si tu es salari\u00e9, analyse ton 2P et les 2P des concurrents de ton employeur<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-43\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-optimiser-son-2eme-pilier\/#2_Si_tu_es_independant_choisis_le_meilleur_2eme_pilier\" >2. Si tu es ind\u00e9pendant, choisis le meilleur 2\u00e8me pilier<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-44\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-optimiser-son-2eme-pilier\/#3_Racheter_des_parts_de_2P_ou_investir_dans_un_ETF_global_Selon_ton_age\" >3. Racheter des parts de 2P ou investir dans un ETF global? Selon ton \u00e2ge<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-45\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-optimiser-son-2eme-pilier\/#4_Faire_suivre_tes_avoirs_de_libre_passage\" >4. Faire suivre tes avoirs de libre passage<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-46\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-optimiser-son-2eme-pilier\/#5_Prepare_ta_sortie_plusieurs_annees_a_lavance\" >5. Pr\u00e9pare ta sortie plusieurs ann\u00e9es \u00e0 l&#8217;avance<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-47\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-optimiser-son-2eme-pilier\/#Conclusion\" >Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n\n<div data-block-name=\"woocommerce\/product-collection\" data-collection=\"woocommerce\/product-collection\/hand-picked\" data-dimensions=\"{&quot;widthType&quot;:&quot;fill&quot;}\" data-display-layout=\"{&quot;type&quot;:&quot;flex&quot;,&quot;columns&quot;:5,&quot;shrinkColumns&quot;:true}\" data-hide-controls=\"[&quot;inherit&quot;,&quot;hand-picked&quot;,&quot;filterable&quot;,&quot;order&quot;]\" data-query-context-includes=\"[&quot;collection&quot;]\" data-query-id=\"0\" data-query=\"{&quot;perPage&quot;:9,&quot;pages&quot;:0,&quot;offset&quot;:0,&quot;postType&quot;:&quot;product&quot;,&quot;order&quot;:&quot;asc&quot;,&quot;orderBy&quot;:&quot;post__in&quot;,&quot;search&quot;:&quot;&quot;,&quot;exclude&quot;:[],&quot;inherit&quot;:false,&quot;taxQuery&quot;:[],&quot;isProductCollectionBlock&quot;:true,&quot;featured&quot;:false,&quot;woocommerceOnSale&quot;:false,&quot;woocommerceStockStatus&quot;:[&quot;instock&quot;,&quot;outofstock&quot;,&quot;onbackorder&quot;],&quot;woocommerceAttributes&quot;:[],&quot;woocommerceHandPickedProducts&quot;:[&quot;26085&quot;,&quot;26112&quot;,&quot;26137&quot;],&quot;filterable&quot;:false,&quot;relatedBy&quot;:{&quot;categories&quot;:true,&quot;tags&quot;:true}}\" data-tag-name=\"div\" class=\"wp-block-woocommerce-product-collection is-layout-flow wp-block-woocommerce-product-collection-is-layout-flow\">\n<h2 class=\"wp-block-heading\" style=\"margin-bottom:1rem\"><span class=\"ez-toc-section\" id=\"Produits_recommandes\"><\/span>Produits recommand\u00e9s<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n<ul data-block-name=\"woocommerce\/product-template\" class=\"wc-block-product-template__responsive columns-5 wc-block-product-template wp-block-woocommerce-product-template is-layout-flow wp-block-woocommerce-product-template-is-layout-flow\" data-wp-on--scroll=\"actions.watchScroll\" data-wp-init=\"callbacks.initResizeObserver\"><li class=\"wc-block-product post-26085 product type-product status-publish has-post-thumbnail product_tag-guide-depargne product_tag-guide-optimisation-financiere-en-suisse product_tag-livre-econome product_tag-livre-economiser product_tag-livre-finances-personnelles product_tag-livre-frugaliste first instock downloadable virtual purchasable product-type-simple\"\n\t\t\t\t\t\n\t\t\t\tdata-wp-interactive=\"woocommerce\/product-collection\"\n\t\t\t\tdata-wp-context='woocommerce\/products::{\"productId\":26085,\"variationId\":null}'\n\t\t\t\tdata-wp-key=\"product-item-26085\"\n\t\t\t\n\t\t\t\t>\n\t\t\t\t\t\n<div data-block-name=\"woocommerce\/product-image\" data-image-sizing=\"thumbnail\" data-is-descendent-of-query-loop=\"true\" data-show-sale-badge=\"false\" class=\"wc-block-components-product-image wc-block-grid__product-image wc-block-components-product-image--aspect-ratio-1-1 wp-block-woocommerce-product-image\"><a href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/50-astuces-pour-economiser-en-suisse\/\" data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\"><img decoding=\"async\" width=\"423\" height=\"600\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?fit=423%2C600&amp;ssl=1\" class=\"attachment-large size-large\" alt=\"Livre E-book - 50 astuces pour \u00e9conomiser en Suisse\" data-testid=\"product-image\" data-image-id=\"26088\" style=\"object-fit:cover;aspect-ratio:1\/1;\" loading=\"lazy\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?w=1409&amp;ssl=1 1409w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=211%2C300&amp;ssl=1 211w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=423%2C600&amp;ssl=1 423w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=768%2C1090&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=1082%2C1536&amp;ssl=1 1082w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=8%2C12&amp;ssl=1 8w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=1320%2C1874&amp;ssl=1 1320w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=600%2C852&amp;ssl=1 600w\" sizes=\"auto, (max-width: 423px) 100vw, 423px\" data-attachment-id=\"26088\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/?attachment_id=26088\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?fit=1409%2C2000&amp;ssl=1\" data-orig-size=\"1409,2000\" data-comments-opened=\"1\" data-image-title=\"1\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?fit=423%2C600&amp;ssl=1\" \/><div class=\"wc-block-components-product-image__inner-container\" style=\"\">\n\n<\/div><\/a><\/div>\n\n<h2 style=\"line-height:1.4;margin-bottom:0.75rem;margin-top:0\" class=\"wp-block-post-title has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Livre_E-book_%E2%80%93_50_astuces_pour_economiser_en_Suisse\"><\/span><a data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\" href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/50-astuces-pour-economiser-en-suisse\/\" target=\"_self\" >Livre E-book &#8211; 50 astuces pour \u00e9conomiser en Suisse<\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div data-block-name=\"woocommerce\/product-price\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-woocommerce-product-price\" ><div class=\"wc-block-components-product-price wc-block-grid__product-price has-font-size has-small-font-size has-text-align-center\" style=\"\" >\n\t\t\t\t\t<span class=\"woocommerce-Price-amount amount\"><bdi><span class=\"woocommerce-Price-currencySymbol\" translate=\"no\" dir=\"auto\">&#67;&#72;&#70;<\/span>&nbsp;15.00<\/bdi><\/span>\n\t\t\t\t<\/div><\/div>\n\n<div data-block-name=\"woocommerce\/product-button\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-button wc-block-components-product-button align-center wp-block-woocommerce-product-button has-small-font-size\"\n\t\t\t\t\t\n\t\t\tdata-wp-interactive=\"woocommerce\/product-button\"\n\t\t\n\t\t\t\t\tdata-wp-context='{\"quantityToAdd\":1,\"addToCartText\":\"Add to basket\",\"tempQuantity\":0,\"animationStatus\":\"IDLE\",\"inTheCartText\":\"### in basket\",\"noticeId\":\"\",\"hasPressedButton\":false}'\n\t\t\t\t>\n\t\t\t\t\t<button\n\t\t\t\t\t\tclass=\"wp-block-button__link wp-element-button wc-block-components-product-button__button add_to_cart_button ajax_add_to_cart product_type_simple has-font-size has-small-font-size has-text-align-center wc-interactive\"\n\t\t\t\t\t\tstyle=\"\"\n\t\t\t\t\t\ttype=\"button\" data-product_id=\"26085\" data-product_sku=\"\" aria-label=\"Add to basket: &ldquo;Livre E-book - 50 astuces pour \u00e9conomiser en Suisse&rdquo;\"\n\t\t\t\t\t\tdata-wp-on--click=\"actions.addCartItem\"\n\t\t\t\t\t>\n\t\t\t\t\t<span \n\t\t\tdata-wp-text=\"state.addToCartText\"\n\t\t\tdata-wp-class--wc-block-slide-in=\"state.slideInAnimation\"\n\t\t\tdata-wp-class--wc-block-slide-out=\"state.slideOutAnimation\"\n\t\t\tdata-wp-on--animationend=\"actions.handleAnimationEnd\"\n\t\t\tdata-wp-watch=\"callbacks.startAnimation\"\n\t\t\tdata-wp-run=\"callbacks.syncTempQuantityOnLoad\"\n\t\t>Add to basket<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<span\n\t\t\t\thidden\n\t\t\t\tdata-wp-bind--hidden=\"!state.displayViewCart\"\n\t\t\t>\n\t\t\t\t<a\n\t\t\t\t\thref=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\"\n\t\t\t\t\tclass=\"added_to_cart wc_forward\"\n\t\t\t\t\ttitle=\"View basket\"\n\t\t\t\t>\n\t\t\t\t\tView basket\n\t\t\t\t<\/a>\n\t\t\t<\/span>\n\t\t\t\t<\/div>\n\n\t\t\t\t<\/li><li class=\"wc-block-product post-26112 product type-product status-publish has-post-thumbnail product_tag-guide-complet-investissement product_tag-livre-finances-personnelles product_tag-livre-investissement product_tag-livre-investissement-boursier product_tag-livre-liberte-financiere product_tag-livre-sp-500  instock downloadable virtual purchasable product-type-simple\"\n\t\t\t\t\t\n\t\t\t\tdata-wp-interactive=\"woocommerce\/product-collection\"\n\t\t\t\tdata-wp-context='woocommerce\/products::{\"productId\":26112,\"variationId\":null}'\n\t\t\t\tdata-wp-key=\"product-item-26112\"\n\t\t\t\n\t\t\t\t>\n\t\t\t\t\t\n<div data-block-name=\"woocommerce\/product-image\" data-image-sizing=\"thumbnail\" data-is-descendent-of-query-loop=\"true\" data-show-sale-badge=\"false\" class=\"wc-block-components-product-image wc-block-grid__product-image wc-block-components-product-image--aspect-ratio-1-1 wp-block-woocommerce-product-image\"><a href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/financer-investir-son-avenir-mode-emploi\/\" data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\"><img decoding=\"async\" width=\"384\" height=\"600\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?fit=384%2C600&amp;ssl=1\" class=\"attachment-large size-large\" alt=\"Livre E-book - Financer son avenir avec la bourse - mode d&#039;emploi\" data-testid=\"product-image\" data-image-id=\"26114\" style=\"object-fit:cover;aspect-ratio:1\/1;\" loading=\"lazy\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?w=512&amp;ssl=1 512w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=192%2C300&amp;ssl=1 192w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=384%2C600&amp;ssl=1 384w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=8%2C12&amp;ssl=1 8w\" sizes=\"auto, (max-width: 384px) 100vw, 384px\" data-attachment-id=\"26114\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/?attachment_id=26114\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?fit=512%2C800&amp;ssl=1\" data-orig-size=\"512,800\" data-comments-opened=\"1\" data-image-title=\"1\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?fit=384%2C600&amp;ssl=1\" \/><div class=\"wc-block-components-product-image__inner-container\" style=\"\">\n\n<\/div><\/a><\/div>\n\n<h2 style=\"line-height:1.4;margin-bottom:0.75rem;margin-top:0\" class=\"wp-block-post-title has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Livre_E-book_%E2%80%93_Financer_son_avenir_avec_la_bourse_%E2%80%93_mode_demploi\"><\/span><a data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\" href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/financer-investir-son-avenir-mode-emploi\/\" target=\"_self\" >Livre E-book &#8211; Financer son avenir avec la bourse &#8211; mode d&#8217;emploi<\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div data-block-name=\"woocommerce\/product-price\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-woocommerce-product-price\" ><div class=\"wc-block-components-product-price wc-block-grid__product-price has-font-size has-small-font-size has-text-align-center\" style=\"\" >\n\t\t\t\t\t<span class=\"woocommerce-Price-amount amount\"><bdi><span class=\"woocommerce-Price-currencySymbol\" translate=\"no\" dir=\"auto\">&#67;&#72;&#70;<\/span>&nbsp;15.00<\/bdi><\/span>\n\t\t\t\t<\/div><\/div>\n\n<div data-block-name=\"woocommerce\/product-button\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-button wc-block-components-product-button align-center wp-block-woocommerce-product-button has-small-font-size\"\n\t\t\t\t\t\n\t\t\tdata-wp-interactive=\"woocommerce\/product-button\"\n\t\t\n\t\t\t\t\tdata-wp-context='{\"quantityToAdd\":1,\"addToCartText\":\"Add to basket\",\"tempQuantity\":0,\"animationStatus\":\"IDLE\",\"inTheCartText\":\"### in basket\",\"noticeId\":\"\",\"hasPressedButton\":false}'\n\t\t\t\t>\n\t\t\t\t\t<button\n\t\t\t\t\t\tclass=\"wp-block-button__link wp-element-button wc-block-components-product-button__button add_to_cart_button ajax_add_to_cart product_type_simple has-font-size has-small-font-size has-text-align-center wc-interactive\"\n\t\t\t\t\t\tstyle=\"\"\n\t\t\t\t\t\ttype=\"button\" data-product_id=\"26112\" data-product_sku=\"\" aria-label=\"Add to basket: &ldquo;Livre E-book - Financer son avenir avec la bourse - mode d&#039;emploi&rdquo;\"\n\t\t\t\t\t\tdata-wp-on--click=\"actions.addCartItem\"\n\t\t\t\t\t>\n\t\t\t\t\t<span \n\t\t\tdata-wp-text=\"state.addToCartText\"\n\t\t\tdata-wp-class--wc-block-slide-in=\"state.slideInAnimation\"\n\t\t\tdata-wp-class--wc-block-slide-out=\"state.slideOutAnimation\"\n\t\t\tdata-wp-on--animationend=\"actions.handleAnimationEnd\"\n\t\t\tdata-wp-watch=\"callbacks.startAnimation\"\n\t\t\tdata-wp-run=\"callbacks.syncTempQuantityOnLoad\"\n\t\t>Add to basket<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<span\n\t\t\t\thidden\n\t\t\t\tdata-wp-bind--hidden=\"!state.displayViewCart\"\n\t\t\t>\n\t\t\t\t<a\n\t\t\t\t\thref=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\"\n\t\t\t\t\tclass=\"added_to_cart wc_forward\"\n\t\t\t\t\ttitle=\"View basket\"\n\t\t\t\t>\n\t\t\t\t\tView basket\n\t\t\t\t<\/a>\n\t\t\t<\/span>\n\t\t\t\t<\/div>\n\n\t\t\t\t<\/li><li class=\"wc-block-product post-26137 product type-product status-publish has-post-thumbnail product_tag-anti-surconsommation product_tag-autodiscipline product_tag-autonomie product_tag-ecologie product_tag-economie product_tag-epargne product_tag-bien-etre product_tag-bonheur product_tag-bonheur-durable product_tag-consommation-consciente product_tag-desencombrement product_tag-developpement-personnel product_tag-essentialisme product_tag-frugalite product_tag-liberte-financiere product_tag-minimalisme product_tag-mode-de-vie-alternatif product_tag-moins-mais-mieux product_tag-simplicite-volontaire product_tag-slow-living product_tag-sobriete-heureuse product_tag-vie-simple  instock downloadable shipping-taxable purchasable product-type-simple\"\n\t\t\t\t\t\n\t\t\t\tdata-wp-interactive=\"woocommerce\/product-collection\"\n\t\t\t\tdata-wp-context='woocommerce\/products::{\"productId\":26137,\"variationId\":null}'\n\t\t\t\tdata-wp-key=\"product-item-26137\"\n\t\t\t\n\t\t\t\t>\n\t\t\t\t\t\n<div data-block-name=\"woocommerce\/product-image\" data-image-sizing=\"thumbnail\" data-is-descendent-of-query-loop=\"true\" data-show-sale-badge=\"false\" class=\"wc-block-components-product-image wc-block-grid__product-image wc-block-components-product-image--aspect-ratio-1-1 wp-block-woocommerce-product-image\"><a href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/libere-toi-de-la-surconsommation\/\" data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\"><img decoding=\"async\" width=\"376\" height=\"600\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?fit=376%2C600&amp;ssl=1\" class=\"attachment-large size-large\" alt=\"Guide E-book - Lib\u00e8re-toi de la surconsommation\" data-testid=\"product-image\" data-image-id=\"26138\" style=\"object-fit:cover;aspect-ratio:1\/1;\" loading=\"lazy\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?w=1410&amp;ssl=1 1410w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=188%2C300&amp;ssl=1 188w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=376%2C600&amp;ssl=1 376w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=768%2C1226&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=963%2C1536&amp;ssl=1 963w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=1283%2C2048&amp;ssl=1 1283w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=8%2C12&amp;ssl=1 8w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=1320%2C2106&amp;ssl=1 1320w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=600%2C957&amp;ssl=1 600w\" sizes=\"auto, (max-width: 376px) 100vw, 376px\" data-attachment-id=\"26138\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/?attachment_id=26138\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?fit=1410%2C2250&amp;ssl=1\" data-orig-size=\"1410,2250\" data-comments-opened=\"1\" data-image-meta=\"{&quot;orientation&quot;:&quot;1&quot;}\" data-image-title=\"pochette lib\u00e8re-toi de la surconsommation\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?fit=376%2C600&amp;ssl=1\" \/><div class=\"wc-block-components-product-image__inner-container\" style=\"\">\n\n<\/div><\/a><\/div>\n\n<h2 style=\"line-height:1.4;margin-bottom:0.75rem;margin-top:0\" class=\"wp-block-post-title has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Guide_E-book_%E2%80%93_Libere-toi_de_la_surconsommation\"><\/span><a data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\" href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/libere-toi-de-la-surconsommation\/\" target=\"_self\" >Guide E-book &#8211; Lib\u00e8re-toi de la surconsommation<\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div data-block-name=\"woocommerce\/product-price\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-woocommerce-product-price\" ><div class=\"wc-block-components-product-price wc-block-grid__product-price has-font-size has-small-font-size has-text-align-center\" style=\"\" >\n\t\t\t\t\t<span class=\"woocommerce-Price-amount amount\"><bdi><span class=\"woocommerce-Price-currencySymbol\" translate=\"no\" dir=\"auto\">&#67;&#72;&#70;<\/span>&nbsp;10.00<\/bdi><\/span>\n\t\t\t\t<\/div><\/div>\n\n<div data-block-name=\"woocommerce\/product-button\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-button wc-block-components-product-button align-center wp-block-woocommerce-product-button has-small-font-size\"\n\t\t\t\t\t\n\t\t\tdata-wp-interactive=\"woocommerce\/product-button\"\n\t\t\n\t\t\t\t\tdata-wp-context='{\"quantityToAdd\":1,\"addToCartText\":\"Add to basket\",\"tempQuantity\":0,\"animationStatus\":\"IDLE\",\"inTheCartText\":\"### in basket\",\"noticeId\":\"\",\"hasPressedButton\":false}'\n\t\t\t\t>\n\t\t\t\t\t<button\n\t\t\t\t\t\tclass=\"wp-block-button__link wp-element-button wc-block-components-product-button__button add_to_cart_button ajax_add_to_cart product_type_simple has-font-size has-small-font-size has-text-align-center wc-interactive\"\n\t\t\t\t\t\tstyle=\"\"\n\t\t\t\t\t\ttype=\"button\" data-product_id=\"26137\" data-product_sku=\"\" aria-label=\"Add to basket: &ldquo;Guide E-book - Lib\u00e8re-toi de la surconsommation&rdquo;\"\n\t\t\t\t\t\tdata-wp-on--click=\"actions.addCartItem\"\n\t\t\t\t\t>\n\t\t\t\t\t<span \n\t\t\tdata-wp-text=\"state.addToCartText\"\n\t\t\tdata-wp-class--wc-block-slide-in=\"state.slideInAnimation\"\n\t\t\tdata-wp-class--wc-block-slide-out=\"state.slideOutAnimation\"\n\t\t\tdata-wp-on--animationend=\"actions.handleAnimationEnd\"\n\t\t\tdata-wp-watch=\"callbacks.startAnimation\"\n\t\t\tdata-wp-run=\"callbacks.syncTempQuantityOnLoad\"\n\t\t>Add to basket<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<span\n\t\t\t\thidden\n\t\t\t\tdata-wp-bind--hidden=\"!state.displayViewCart\"\n\t\t\t>\n\t\t\t\t<a\n\t\t\t\t\thref=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\"\n\t\t\t\t\tclass=\"added_to_cart wc_forward\"\n\t\t\t\t\ttitle=\"View basket\"\n\t\t\t\t>\n\t\t\t\t\tView basket\n\t\t\t\t<\/a>\n\t\t\t<\/span>\n\t\t\t\t<\/div>\n\n\t\t\t\t<\/li><\/ul>\n\n<\/div>\n\n\n\n<h2 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-2\"><span class=\"ez-toc-section\" id=\"Avant_de_lire_cet_article\"><\/span>Avant de lire cet article<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Avant de commencer, je te conseille de lire mon article sur <a href=\"https:\/\/minimalistefrugaliste.com\/2eme-pilier-bases-comprendre\/\" target=\"_blank\" rel=\"noreferrer noopener\">les bases du 2\u00e8me pilier<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L&#8217;objectif ici est diff\u00e9rent : comprendre <strong>comment optimiser concr\u00e8tement son 2\u00e8me pilier<\/strong> et \u00e9viter les erreurs qui peuvent co\u00fbter cher sur le long terme.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ton 2\u00e8me pilier peut repr\u00e9senter plusieurs centaines de milliers de francs au cours de ta carri\u00e8re. Il m\u00e9rite donc d&#8217;\u00eatre suivi comme n&#8217;importe quel autre investissement important.<\/p>\n\n\n\n<p class=\"has-text-align-left wp-block-paragraph\">Voici 7 strat\u00e9gies concr\u00e8tes afin d&#8217;optimiser ton 2\u00e8me pilier.<\/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=\"1_Commence_par_ton_certificat_de_prevoyance\"><\/span>1. Commence par ton certificat de pr\u00e9voyance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Avant de chercher \u00e0 optimiser quoi que ce soit, commence par regarder <strong>ce que tu poss\u00e8des r\u00e9ellement<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Chaque ann\u00e9e, ta caisse de pension t&#8217;envoie un certificat de pr\u00e9voyance. Tu y trouveras notamment :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>ton avoir de vieillesse <\/li>\n\n\n\n<li>tes cotisations <\/li>\n\n\n\n<li>les contributions de ton employeur <\/li>\n\n\n\n<li>ta future rente estim\u00e9e <\/li>\n\n\n\n<li>ta capacit\u00e9 de rachat <\/li>\n\n\n\n<li>les prestations en cas d&#8217;invalidit\u00e9 ou de d\u00e9c\u00e8s<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 <strong>Premier r\u00e9flexe : consulte ton certificat au moins une fois par an.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C&#8217;est \u00e9galement important lorsque tu changes d&#8217;emploi, car les prestations peuvent \u00eatre tr\u00e8s diff\u00e9rentes d&#8217;une caisse \u00e0 l&#8217;autre.<\/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-4\"><span class=\"ez-toc-section\" id=\"2_Compare_le_2P_lorsque_tu_changes_demploi\"><\/span>2. Compare le 2P lorsque tu changes d&#8217;emploi<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Tu ne peux g\u00e9n\u00e9ralement pas choisir librement ta caisse de pension lorsque tu es salari\u00e9. En revanche, tu peux parfois choisir <strong>ton employeur<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Par exemple, si deux entreprises proposent exactement le m\u00eame salaire, analyse les plans de pr\u00e9voyance de chaque entreprise. Parfois, tu peux gagner de l&#8217;argent avec ton 2P.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Par exemple :<\/p>\n\n\n\n<p class=\"has-pale-pink-color has-text-color has-link-color wp-elements-5 wp-block-paragraph\"><strong>Entreprise A<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>salaire : 100&#8217;000 CHF ;<\/li>\n\n\n\n<li>cotisations employeur : minimum pr\u00e9vu par le plan.<\/li>\n<\/ul>\n\n\n\n<p class=\"has-pale-pink-color has-text-color has-link-color wp-elements-6 wp-block-paragraph\"><strong>Entreprise B<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>salaire : 100&#8217;000 CHF ;<\/li>\n\n\n\n<li>employeur : prend en charge une part plus importante des cotisations ;<\/li>\n\n\n\n<li>meilleures prestations de pr\u00e9voyance.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 Dans ce cas, <strong>le salaire <\/strong>est similaire, mais tu es gagnant avec tes prestations 2P.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sur une carri\u00e8re de plusieurs d\u00e9cennies, la diff\u00e9rence peut \u00eatre de plusieurs dizaines de milliers de CHF.<\/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-7\"><span class=\"ez-toc-section\" id=\"3_Etudie_la_possibilite_de_faire_des_rachats\"><\/span>3. \u00c9tudie la possibilit\u00e9 de faire des rachats<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Le <strong>rachat de 2\u00e8me pilier<\/strong> est l&#8217;un des principaux leviers d&#8217;optimisation.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si tu as une capacit\u00e9 de rachat, tu peux verser volontairement de l&#8217;argent dans ta caisse de pension afin d&#8217;augmenter ton avoir de pr\u00e9voyance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tu peux notamment avoir une capacit\u00e9 de rachat si tu :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>as commenc\u00e9 \u00e0 travailler tard <\/li>\n\n\n\n<li>as travaill\u00e9 plusieurs ann\u00e9es \u00e0 l&#8217;\u00e9tranger <\/li>\n\n\n\n<li>as connu des p\u00e9riodes avec un revenu plus faible <\/li>\n\n\n\n<li>as r\u00e9duit ton taux d&#8217;activit\u00e9 <\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Le montant disponible figure g\u00e9n\u00e9ralement sur ton certificat de pr\u00e9voyance.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-8\"><span class=\"ez-toc-section\" id=\"Pourquoi_un_rachat_peut-il_etre_interessant\"><\/span>Pourquoi un rachat peut-il \u00eatre int\u00e9ressant ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Parce qu&#8217;il peut avoir <strong>deux effets<\/strong> :<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>augmenter ton avoir de pr\u00e9voyance <\/li>\n\n\n\n<li>permettre, sous certaines conditions, une d\u00e9duction fiscale<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Par exemple, si tu effectues un rachat de 20&#8217;000 CHF, ce montant peut g\u00e9n\u00e9ralement \u00eatre d\u00e9duit de ton revenu imposable, sous r\u00e9serve des r\u00e8gles fiscales applicables.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 Mais attention : <strong>un rachat n&#8217;est pas automatiquement la meilleure solution<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Il faut notamment tenir compte de ta situation fiscale, de ton horizon jusqu&#8217;\u00e0 la retraite, de ton besoin de liquidit\u00e9s et de tes autres possibilit\u00e9s d&#8217;investissement.<\/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-9\"><span class=\"ez-toc-section\" id=\"4_Ne_fais_pas_forcement_ton_rachat_en_une_seule_fois\"><\/span>4. Ne fais pas forc\u00e9ment ton rachat en une seule fois<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Supposons que ton certificat indique une capacit\u00e9 de rachat de <strong>100&#8217;000 CHF<\/strong>. Tu pourraisdonc verser les 100&#8217;000 CHF imm\u00e9diatement.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mais il peut \u00e9galement \u00eatre int\u00e9ressant d&#8217;\u00e9tudier un rachat r\u00e9parti sur plusieurs ann\u00e9es.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Par exemple :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>20&#8217;000 CHF cette ann\u00e9e ;<\/li>\n\n\n\n<li>20&#8217;000 CHF l&#8217;ann\u00e9e prochaine ;<\/li>\n\n\n\n<li>etc.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Pourquoi ?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Parce que l&#8217;\u00e9conomie fiscale d\u00e9pend notamment de ton revenu imposable. Dans certaines situations, r\u00e9partir les rachats permet donc de mieux utiliser la d\u00e9duction fiscale.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-10\"><span class=\"ez-toc-section\" id=\"%E2%9A%A0%EF%B8%8F_Attention_a_la_regle_des_3_ans\"><\/span>\u26a0\ufe0f Attention \u00e0 la r\u00e8gle des 3 ans<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Les rachats de 2\u00e8me pilier sont soumis \u00e0 des r\u00e8gles particuli\u00e8res en cas de retrait en capital.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si tu effectues un rachat puis retires rapidement ton capital, les cons\u00e9quences fiscales peuvent \u00eatre importantes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 <strong>Avant un gros rachat, v\u00e9rifie donc toujours les cons\u00e9quences fiscales et les r\u00e8gles applicables \u00e0 ta caisse.<\/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-11\"><span class=\"ez-toc-section\" id=\"5_Peut-on_investir_son_2eme_pilier_en_bourse\"><\/span>5. Peut-on investir son 2\u00e8me pilier en bourse ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">C&#8217;est une question tr\u00e8s fr\u00e9quente.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dans une <strong>caisse de pension classique<\/strong>, tu ne choisis g\u00e9n\u00e9ralement pas toi-m\u00eame les placements.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C&#8217;est la caisse qui investit collectivement les avoirs des assur\u00e9s.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tu ne peux donc pas simplement demander :<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">\u00ab Je veux que mes 200&#8217;000 CHF soient investis \u00e0 100 % dans un ETF mondial. \u00bb<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">Cependant, il existe des situations particuli\u00e8res.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-12\"><span class=\"ez-toc-section\" id=\"Les_avoirs_de_libre_passage\"><\/span>Les avoirs de libre passage<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Si tu quittes ton emploi et que tu n&#8217;entres pas imm\u00e9diatement dans une nouvelle caisse de pension, ton avoir doit g\u00e9n\u00e9ralement \u00eatre transf\u00e9r\u00e9 vers une solution de libre passage.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Certaines fondations permettent alors d&#8217;investir cet argent selon diff\u00e9rentes strat\u00e9gies.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Par exemple, <strong>finpension<\/strong> propose des solutions de libre passage permettant de choisir diff\u00e9rentes strat\u00e9gies d&#8217;investissement, avec notamment des strat\u00e9gies fortement expos\u00e9es aux actions.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cela peut \u00eatre particuli\u00e8rement int\u00e9ressant pour une personne ayant un horizon de placement de plusieurs d\u00e9cennies.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u26a0\ufe0f Mais une strat\u00e9gie plus dynamique implique \u00e9galement davantage de risques.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-13\"><span class=\"ez-toc-section\" id=\"Les_plans_1e\"><\/span>Les plans 1e<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pour certaines personnes ayant un salaire \u00e9lev\u00e9, l&#8217;employeur peut proposer un <strong>plan 1e<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La grande diff\u00e9rence est que l&#8217;assur\u00e9 peut g\u00e9n\u00e9ralement choisir sa strat\u00e9gie de placement parmi celles propos\u00e9es par le plan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cela permet donc davantage de personnalisation qu&#8217;une caisse de pension classique.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 Mais l\u00e0 encore, <strong>plus de libert\u00e9 ne signifie pas automatiquement plus de rendement<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Une strat\u00e9gie fortement expos\u00e9e aux actions peut subir des pertes importantes pendant une crise boursi\u00e8re.<\/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=\"6_Ne_neglige_pas_tes_avoirs_de_libre_passage\"><\/span>6. Ne n\u00e9glige pas tes avoirs de libre passage<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Lorsque tu changes plusieurs fois d&#8217;emploi, il est important de v\u00e9rifier que ton ancien avoir de pr\u00e9voyance a bien \u00e9t\u00e9 transf\u00e9r\u00e9.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si tu n&#8217;entres pas imm\u00e9diatement dans une nouvelle caisse, ton argent peut se retrouver sur une <strong>solution de libre passage<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Et toutes les solutions ne sont pas identiques.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Il peut notamment y avoir des diff\u00e9rences concernant :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>les frais <\/li>\n\n\n\n<li>la r\u00e9mun\u00e9ration <\/li>\n\n\n\n<li>les possibilit\u00e9s d&#8217;investissement <\/li>\n\n\n\n<li>les prestations propos\u00e9es<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 Si tu poss\u00e8des un avoir de libre passage depuis plusieurs ann\u00e9es, <strong>v\u00e9rifie o\u00f9 il se trouve et comment il est investi<\/strong>. C&#8217;est parfois l&#8217;un des leviers d&#8217;optimisation les plus simples.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-15\"><span class=\"ez-toc-section\" id=\"7_Optimise_egalement_la_sortie_du_2eme_pilier\"><\/span>7. Optimise \u00e9galement la sortie du 2\u00e8me pilier<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Optimiser son 2\u00e8me pilier ne signifie pas seulement essayer d&#8217;accumuler le plus gros capital possible.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Il faut \u00e9galement r\u00e9fl\u00e9chir \u00e0 <strong>ce que tu vas en faire \u00e0 la retraite<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Selon les r\u00e8gles de ta caisse, tu peux g\u00e9n\u00e9ralement avoir le choix entre :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>une rente <\/li>\n\n\n\n<li>un retrait en capital <\/li>\n\n\n\n<li>ou une combinaison des deux<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">R\u00e9sumons les trois options:<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-16\"><span class=\"ez-toc-section\" id=\"La_rente\"><\/span>La rente<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Elle procure un revenu r\u00e9gulier et permet de se prot\u00e9ger davantage contre le risque de vivre tr\u00e8s longtemps.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-17\"><span class=\"ez-toc-section\" id=\"Le_capital\"><\/span>Le capital<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Ton 2P est transf\u00e9r\u00e9 sur ton compte bancaire et permet ainsi de g\u00e9rer toi-m\u00eame ton patrimoine.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-18\"><span class=\"ez-toc-section\" id=\"Mix_capital_rente\"><\/span>Mix capital \/ rente<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Certaines caisses de pensions permettent de combiner le retrait du capital et la rente.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Par exemple, si tu as 100&#8217;000 CHF sur ton 2P. Tu peux recevoir 50&#8217;000 CHF en capital et recevoir une petite rente mensuelle.<\/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=\"Et_la_fiscalite_du_2P\"><\/span>Et la fiscalit\u00e9 du 2P ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La fiscalit\u00e9 peut \u00e9galement jouer un r\u00f4le important.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Un retrait en capital du 2\u00e8me pilier est g\u00e9n\u00e9ralement soumis \u00e0 un <strong>imp\u00f4t distinct du revenu<\/strong>, dont le montant d\u00e9pend notamment du canton et du montant retir\u00e9.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C&#8217;est pourquoi il peut \u00eatre utile de faire une simulation avant un retrait important.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dans certaines situations, la planification du retrait sur plusieurs ann\u00e9es ou entre diff\u00e9rents types de pr\u00e9voyance peut \u00e9galement avoir un impact fiscal.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 <strong>Ne r\u00e9fl\u00e9chis donc pas uniquement au montant que tu vas retirer : r\u00e9fl\u00e9chis aussi au montant qu&#8217;il te restera r\u00e9ellement apr\u00e8s imp\u00f4ts.<\/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-20\"><span class=\"ez-toc-section\" id=\"Et_si_tu_veux_acheter_un_logement\"><\/span>Et si tu veux acheter un logement ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ton 2\u00e8me pilier peut \u00e9galement \u00eatre utilis\u00e9, sous certaines conditions, pour financer ton <strong>logement principal<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Deux m\u00e9canismes existent notamment :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>le versement anticip\u00e9 <\/li>\n\n\n\n<li>la mise en gage<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Cela peut permettre de r\u00e9duire les fonds propres n\u00e9cessaires pour acheter un logement. Mais il faut garder une chose \u00e0 l&#8217;esprit :<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 <strong>L&#8217;argent utilis\u00e9 pour ton logement n&#8217;est plus disponible de la m\u00eame mani\u00e8re pour ta retraite.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Avant d&#8217;utiliser ton 2\u00e8me pilier pour acheter une maison ou un appartement, compare donc le co\u00fbt r\u00e9el de cette d\u00e9cision avec les avantages obtenus.<\/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-21\"><span class=\"ez-toc-section\" id=\"Les_erreurs_courants_a_eviter\"><\/span>Les erreurs courants \u00e0 \u00e9viter<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Optimiser son 2\u00e8me pilier, ce n&#8217;est pas forc\u00e9ment chercher \u00e0 obtenir le rendement maximal.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Certaines erreurs peuvent au contraire co\u00fbter tr\u00e8s cher.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-22\"><span class=\"ez-toc-section\" id=\"%E2%9D%8C_Faire_un_rachat_uniquement_pour_economiser_des_impots\"><\/span>\u274c Faire un rachat uniquement pour \u00e9conomiser des imp\u00f4ts<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le gain fiscal est int\u00e9ressant, mais il faut \u00e9galement regarder ce que devient ton argent et les restrictions li\u00e9es au retrait.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-23\"><span class=\"ez-toc-section\" id=\"%E2%9D%8C_Choisir_une_caisse_uniquement_parce_quelle_a_eu_un_excellent_rendement_lannee_derniere\"><\/span>\u274c Choisir une caisse uniquement parce qu&#8217;elle a eu un excellent rendement l&#8217;ann\u00e9e derni\u00e8re<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Un bon rendement ponctuel ne suffit pas \u00e0 juger une caisse de pension.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Regarde \u00e9galement les prestations, la r\u00e9mun\u00e9ration des avoirs, le taux de conversion, les frais, le rendement sur 10 ans et la solidit\u00e9 financi\u00e8re.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-24\"><span class=\"ez-toc-section\" id=\"%E2%9D%8C_Oublier_un_ancien_avoir_de_libre_passage\"><\/span>\u274c Oublier un ancien avoir de libre passage<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Apr\u00e8s plusieurs changements d&#8217;emploi, v\u00e9rifie toujours o\u00f9 se trouvent tes anciens avoirs.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-25\"><span class=\"ez-toc-section\" id=\"%E2%9D%8C_Prendre_trop_de_risques_juste_pour_obtenir_un_meilleur_rendement\"><\/span>\u274c Prendre trop de risques juste pour obtenir un meilleur rendement<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Selon mon opinion, rentabiliser ton 2P est \u00e0 analyser, cependant, il est important de conserver une partie de ton patrimoine en d\u00e9fensif, c&#8217;est-\u00e0-dire, ena ayant une bonne partie du 2P en liquidit\u00e9s ou en obligations.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Une strat\u00e9gie dynamique peut \u00eatre utile \u00e0 long terme, mais seulement si tu es jeune et peux supporter des fluctuations de capital sur une longue dur\u00e9e.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En vieillissant, il est pr\u00e9f\u00e9rable d&#8217;adopter une strat\u00e9gie d\u00e9fensive avec ton 2P.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-26\"><span class=\"ez-toc-section\" id=\"%E2%9D%8C_Attendre_64_ou_65_ans_pour_reflechir_a_la_sortie\"><\/span>\u274c Attendre 64 ou 65 ans pour r\u00e9fl\u00e9chir \u00e0 la sortie<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le choix entre rente et capital m\u00e9rite d&#8217;\u00eatre \u00e9tudi\u00e9 plusieurs ann\u00e9es avant la retraite. Si tu attends 64 ans pour optimiser ton 2P, c&#8217;est trop tard.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-27\"><span class=\"ez-toc-section\" id=\"Combien_peut-on_gagner_en_optimisant_son_2eme_pilier\"><\/span>Combien peut-on gagner en optimisant son 2\u00e8me pilier ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">C&#8217;est difficile \u00e0 chiffrer, car chaque situation est diff\u00e9rente.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cependant, les int\u00e9r\u00eats compos\u00e9s montrent pourquoi les petites diff\u00e9rences peuvent devenir importantes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Imaginons simplement un capital de <strong>100&#8217;000 CHF investi pendant 25 ans<\/strong> :<\/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\">Rendement annuel moyen<\/th><th class=\"has-text-align-center\" data-align=\"center\">Capital apr\u00e8s 25 ans<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">2 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2248 164&#8217;000 CHF<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">4 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2248 267&#8217;000 CHF<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">5 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2248 339&#8217;000 CHF<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u26a0\ufe0f Ces chiffres sont <strong>purement illustratifs<\/strong>. Ils ne repr\u00e9sentent ni une pr\u00e9vision ni un rendement garanti.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L&#8217;objectif est simplement de montrer qu&#8217;une diff\u00e9rence de rendement de quelques pourcents peut avoir un impact consid\u00e9rable sur plusieurs d\u00e9cennies.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mais l&#8217;optimisation ne vient pas uniquement du rendement. Elle peut \u00e9galement provenir :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>des contributions de ton employeur <\/li>\n\n\n\n<li>des rachats <\/li>\n\n\n\n<li>des \u00e9conomies fiscales <\/li>\n\n\n\n<li>de la gestion de tes avoirs de libre passage <\/li>\n\n\n\n<li>des possibilit\u00e9s d&#8217;investissement <\/li>\n\n\n\n<li>et de la fiscalit\u00e9 au moment du retrait.<\/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-28\"><span class=\"ez-toc-section\" id=\"30_40_50_ou_60_ans_vaut-il_mieux_investir_500_CHF_par_mois_ou_racheter_son_2eme_pilier\"><\/span><strong>30, 40, 50 ou 60 ans : vaut-il mieux investir 500 CHF par mois ou racheter son 2\u00e8me pilier ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">C&#8217;est probablement la question la plus int\u00e9ressante lorsqu&#8217;on parle d&#8217;optimisation du 2\u00e8me pilier.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Imaginons quatre personnes :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>30 ans<\/strong><\/li>\n\n\n\n<li><strong>40 ans<\/strong><\/li>\n\n\n\n<li><strong>50 ans<\/strong><\/li>\n\n\n\n<li><strong>60 ans<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Elles ont toutes la m\u00eame capacit\u00e9 d&#8217;\u00e9pargne : <strong>500 CHF par mois<\/strong>, jusqu&#8217;\u00e0 65 ans.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nous allons comparer deux strat\u00e9gies :<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-29\"><span class=\"ez-toc-section\" id=\"Strategie_A_investir_500_CHF_par_mois_dans_un_ETF_global\"><\/span><strong>Strat\u00e9gie A : investir 500 CHF par mois dans un ETF global<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Pour simplifier, nous supposons un rendement moyen de <strong>7 % par an<\/strong>, avec r\u00e9investissement des rendements.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-30\"><span class=\"ez-toc-section\" id=\"Strategie_B_verser_500_CHF_par_mois_dans_son_2eme_pilier\"><\/span><strong>Strat\u00e9gie B : verser 500 CHF par mois dans son 2\u00e8me pilier<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Pour cette simulation, supposons un rendement moyen de <strong>2,5 % par an<\/strong> sur l&#8217;avoir de pr\u00e9voyance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u26a0\ufe0f Ces chiffres sont <strong>purement illustratifs<\/strong>. Un ETF ne garantit \u00e9videmment pas 7 % par an et le rendement d&#8217;une caisse de pension d\u00e9pend de sa r\u00e9mun\u00e9ration et de son plan de pr\u00e9voyance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">De plus, le rachat de 2\u00e8me pilier peut g\u00e9n\u00e9rer une <strong>\u00e9conomie d&#8217;imp\u00f4t<\/strong>. Nous ne l&#8217;int\u00e9grons pas directement dans le tableau afin de comparer d&#8217;abord l&#8217;effet du rendement et du temps.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-pale-pink-color has-text-color has-link-color wp-elements-31\"><span class=\"ez-toc-section\" id=\"Le_resultat_est_spectaculaire\"><\/span><strong>Le r\u00e9sultat est spectaculaire<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\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\">\u00c2ge aujourd&#8217;hui<\/th><th class=\"has-text-align-center\" data-align=\"center\">Dur\u00e9e d&#8217;\u00e9pargne<\/th><th class=\"has-text-align-center\" data-align=\"center\">ETF global \u00e0 7 %<\/th><th class=\"has-text-align-center\" data-align=\"center\">2P \u00e0 2,5 %<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>30 ans<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">35 ans<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2248 <strong>900&#8217;500 CHF<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2248 <strong>335&#8217;200 CHF<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>40 ans<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">25 ans<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2248 <strong>405&#8217;000 CHF<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2248 <strong>208&#8217;100 CHF<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>50 ans<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">15 ans<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2248 <strong>158&#8217;500 CHF<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2248 <strong>109&#8217;100 CHF<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>60 ans<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">5 ans<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2248 <strong>35&#8217;800 CHF<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2248 <strong>31&#8217;900 CHF<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Ces chiffres montrent une chose essentielle :<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 <strong>plus tu commences t\u00f4t, plus la diff\u00e9rence de rendement devient importante.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c0 30 ans, les deux personnes versent exactement la m\u00eame somme chaque mois.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pourtant, apr\u00e8s 35 ans, la diff\u00e9rence th\u00e9orique d\u00e9passe <strong>565&#8217;000 CHF<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pourquoi ? Parce que l&#8217;ETF b\u00e9n\u00e9ficie pendant plusieurs d\u00e9cennies de l&#8217;<strong>effet des int\u00e9r\u00eats compos\u00e9s<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-32\"><span class=\"ez-toc-section\" id=\"Mais_attention_le_2P_beneficie_dun_avantage_que_notre_tableau_ne_montre_pas\"><\/span><strong>Mais attention : le 2P b\u00e9n\u00e9ficie d&#8217;un avantage que notre tableau ne montre pas<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Le rachat de 2\u00e8me pilier n&#8217;est pas simplement un placement \u00e0 2,5 %.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sous certaines conditions, le montant vers\u00e9 dans le 2P est <strong>d\u00e9ductible du revenu imposable<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Imaginons par exemple que tu verses 6&#8217;000 CHF par ann\u00e9e dans ton 2P et que cette op\u00e9ration te permette d&#8217;\u00e9conomiser 1&#8217;500 CHF d&#8217;imp\u00f4ts.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ton co\u00fbt r\u00e9el n&#8217;est alors pas n\u00e9cessairement de 6&#8217;000 CHF.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tu as : <strong>6&#8217;000 CHF vers\u00e9s dans ton 2P<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">mais \u00e9galement : <strong>1&#8217;500 CHF d&#8217;imp\u00f4ts \u00e9conomis\u00e9s.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ton effort financier r\u00e9el est donc potentiellement de <strong>4&#8217;500 CHF<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C&#8217;est un \u00e9l\u00e9ment tr\u00e8s important lorsqu&#8217;on compare un investissement en ETF avec un rachat de 2\u00e8me pilier.<\/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-33\"><span class=\"ez-toc-section\" id=\"Alors_qui_gagne_Investir_dans_ETF_Global_ou_sur_son_2eme_pilier\"><\/span>Alors, qui gagne ? Investir dans ETF Global ou sur son 2\u00e8me pilier?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La r\u00e9ponse d\u00e9pend surtout de <strong>ton \u00e2ge et de ta situation fiscale<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-cyan-blue-color has-text-color has-link-color wp-elements-34\"><span class=\"ez-toc-section\" id=\"%F0%9F%9F%A2_A_30_ans\"><\/span>\ud83d\udfe2 \u00c0 30 ans<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c0 30 ans, tu disposes potentiellement de 35 ans avant la retraite.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C&#8217;est \u00e9norme.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Avec une hypoth\u00e8se de 7 % de rendement annuel, <strong>500 CHF investis chaque mois peuvent th\u00e9oriquement devenir environ 900&#8217;000 CHF<\/strong> \u00e0 65 ans.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le rachat de 2P peut \u00e9videmment \u00eatre int\u00e9ressant gr\u00e2ce \u00e0 la d\u00e9duction fiscale, mais tu dois \u00e9galement tenir compte du fait que ton argent est beaucoup moins flexible.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 \u00c0 cet \u00e2ge, <strong>l&#8217;investissement \u00e0 long terme peut avoir un avantage consid\u00e9rable gr\u00e2ce aux int\u00e9r\u00eats compos\u00e9s<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mais cela ne signifie pas qu&#8217;il faut forc\u00e9ment \u00e9viter les rachats.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-cyan-blue-color has-text-color has-link-color wp-elements-35\"><span class=\"ez-toc-section\" id=\"%F0%9F%9F%A1_A_40_ans\"><\/span>\ud83d\udfe1 \u00c0 40 ans<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Il reste environ 25 ans avant 65 ans.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L&#8217;effet des int\u00e9r\u00eats compos\u00e9s reste important.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dans notre simulation :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>ETF : <strong>\u2248 405&#8217;000 CHF<\/strong><\/li>\n\n\n\n<li>2P : <strong>\u2248 208&#8217;000 CHF<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">La diff\u00e9rence reste donc importante.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cependant, \u00e0 40 ans, la situation fiscale et la capacit\u00e9 de rachat peuvent commencer \u00e0 jouer un r\u00f4le beaucoup plus important.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 <strong>La comparaison devient moins \u00e9vidente qu&#8217;\u00e0 30 ans.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Il peut \u00eatre int\u00e9ressant de combiner les deux strat\u00e9gies plut\u00f4t que de choisir exclusivement l&#8217;une ou l&#8217;autre.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-cyan-blue-color has-text-color has-link-color wp-elements-36\"><span class=\"ez-toc-section\" id=\"%F0%9F%9F%A0_A_50_ans\"><\/span>\ud83d\udfe0 \u00c0 50 ans<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Il ne reste plus que 15 ans avant l&#8217;\u00e2ge de la retraite.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L&#8217;effet des int\u00e9r\u00eats compos\u00e9s est donc beaucoup moins puissant.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dans notre exemple :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>ETF : <strong>\u2248 158&#8217;500 CHF<\/strong><\/li>\n\n\n\n<li>2P : <strong>\u2248 109&#8217;000 CHF<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">L&#8217;\u00e9cart est nettement plus faible.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">De plus, je n&#8217;ai pas pris en compte les \u00e9conomies d&#8217;imp\u00f4ts dans le tableau. Dans ce cas, l&#8217;\u00e9cart entre le 2P et l&#8217;ETF Global est encore moins clair.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 De ce fait,<strong> \u00e0 50 ans, investir dans un ETF global ou racheter des parts de 2P est un placement similaire<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-cyan-blue-color has-text-color has-link-color wp-elements-37\"><span class=\"ez-toc-section\" id=\"%F0%9F%94%B4_A_60_ans\"><\/span>\ud83d\udd34 \u00c0 60 ans<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Il ne reste que cinq ans.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dans notre exemple :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>ETF : <strong>\u2248 35&#8217;800 CHF<\/strong><\/li>\n\n\n\n<li>2P : <strong>\u2248 31&#8217;900 CHF<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">La diff\u00e9rence devient relativement faible.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">De plus, si on comptabilise les \u00e9conomies d&#8217;imp\u00f4ts, le r\u00e9sultat final sera tr\u00e8s probablement similaire.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pourquoi ? Parce qu&#8217;il n&#8217;y a tout simplement plus suffisamment de temps pour que l&#8217;effet des int\u00e9r\u00eats compos\u00e9s transforme radicalement les montants.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sans oublier, en 5 ans, la bourse peut avoir une ann\u00e9e tr\u00e8s mauvaise, et tu n&#8217;auras pas le temps de compenser cette perte.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 De ce fait,<strong> \u00e0 60 ans, <\/strong>il est pr\u00e9f\u00e9rable de racheter son 2P que d&#8217;investir dans un placement offensif.<\/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-38\"><span class=\"ez-toc-section\" id=\"Le_piege_comparer_uniquement_les_rendements\"><\/span><strong>Le pi\u00e8ge : comparer uniquement les rendements<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Il serait donc dangereux de conclure :<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>\u00ab L&#8217;ETF global rapporte 7 % par ann\u00e9e en moyenne, donc il faut toujours choisir l&#8217;ETF. \u00bb<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">Ce n&#8217;est pas aussi simple.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le 2\u00e8me pilier poss\u00e8de plusieurs avantages que notre simulation ne prend pas enti\u00e8rement en compte :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>les rachats peuvent \u00eatre fiscalement d\u00e9ductibles <\/li>\n\n\n\n<li>l&#8217;employeur participe aux cotisations dans le cadre du plan professionnel <\/li>\n\n\n\n<li>la pr\u00e9voyance peut offrir des prestations en cas de d\u00e9c\u00e8s ou d&#8217;invalidit\u00e9 <\/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-39\"><span class=\"ez-toc-section\" id=\"Alors_que_choisir_a_30_40_50_ou_60_ans\"><\/span><strong>Alors, que choisir \u00e0 30, 40, 50 ou 60 ans ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Voici une mani\u00e8re tr\u00e8s simplifi\u00e9e de choisir (pas un conseil d&#8217;investissement) :<\/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\">\u00c2ge<\/th><th class=\"has-text-align-center\" data-align=\"center\">Priorit\u00e9 \u00e0 analyser<\/th><th class=\"has-text-align-center\" data-align=\"center\">Investir dans un ETF Global ou racheter son 2P<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>30 ans<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Horizon long, int\u00e9r\u00eats compos\u00e9s, diversification<\/td><td class=\"has-text-align-center\" data-align=\"center\">Investir ETF Global<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>40 ans<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Comparer rendement, fiscalit\u00e9 et rachats<\/td><td class=\"has-text-align-center\" data-align=\"center\">Investir ETF Global<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>50 ans<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Rachats et fiscalit\u00e9 deviennent particuli\u00e8rement importants<\/td><td class=\"has-text-align-center\" data-align=\"center\">Combiner les 2<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>60 ans<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Pr\u00e9parer la retraite, fiscalit\u00e9 et rente\/capital<\/td><td class=\"has-text-align-center\" data-align=\"center\">Racheter 2P<br>(mais attendre 3 ans avant de retirer le capital)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Ce tableau n&#8217;est \u00e9videmment <strong>pas une r\u00e8gle pr\u00e9cise d&#8217;investissement<\/strong>. C&#8217;est uniquement une opinion et pas un conseil.<\/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-40\"><span class=\"ez-toc-section\" id=\"5_etapes_essentielles_afin_doptimiser_son_2P\"><\/span>5 \u00e9tapes essentielles afin d&#8217;optimiser son 2P<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Si je devais r\u00e9sumer tout l&#8217;article en un petit chapitre simple, je proc\u00e9derais ainsi :<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-41\"><span class=\"ez-toc-section\" id=\"1_Si_tu_es_salarie_analyse_ton_2P_et_les_2P_des_concurrents_de_ton_employeur\"><\/span><strong>1. <\/strong>Si tu es salari\u00e9, analyse ton 2P et les 2P des concurrents de ton employeur<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Parfois, un meilleur deuxi\u00e8me pilier peut \u00eatre trouv\u00e9 chez un autre employeur. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bien qu&#8217;il ne soit pas judicieux de changer d&#8217;employeur uniquement pour cela, si tu envisages de changer d&#8217;emploi, prends aussi en compte cet \u00e9l\u00e9ment qui pourrait t&#8217;apporter plusieurs dizaines de milliers de CHF dans ta carri\u00e8re.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-42\"><span class=\"ez-toc-section\" id=\"2_Si_tu_es_independant_choisis_le_meilleur_2eme_pilier\"><\/span><strong>2. <\/strong>Si tu es ind\u00e9pendant, choisis le meilleur 2\u00e8me pilier<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Si tu es ind\u00e9pendant, tu peux choisir le meilleur 2\u00e8me pilier selon ta situation.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Selon mon avis, Viac<a href=\"https:\/\/viac.ch\/fr\/produits\/libre-passage\/\" target=\"_blank\" rel=\"noreferrer noopener\">*<\/a> et Finpension<a href=\"https:\/\/finpension.ch\/fr\/libre-passage\/\" target=\"_blank\" rel=\"noreferrer noopener\">*<\/a> offrent les meilleurs comptes libre passage en termes de frais et de rendement.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En plus, tu as plusieurs options de strat\u00e9gies \u00e0 choisir selon ton profil.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-43\"><span class=\"ez-toc-section\" id=\"3_Racheter_des_parts_de_2P_ou_investir_dans_un_ETF_global_Selon_ton_age\"><\/span><strong>3. <\/strong>Racheter des parts de 2P ou investir dans un ETF global? Selon ton \u00e2ge<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Si tu es salari\u00e9, afin d&#8217;optimiser ton 2P, tu pourras racheter des parts de 2P. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cependant, si tu h\u00e9sites entre racheter du 2P et investir dans un ETF Global, ton \u00e2ge est important pour le rendement.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Avant 50 ans = Investir dans un ETF Global est globalement la meilleure option<\/li>\n\n\n\n<li>Entre 50 et 60 ans = \u00e9quilibre entre racheter des pars de 2P et investir dans un ETF Global<\/li>\n\n\n\n<li>Apr\u00e8s 60 ans = racheter des parts de 2P est plus int\u00e9r\u00e9ssant<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-44\"><span class=\"ez-toc-section\" id=\"4_Faire_suivre_tes_avoirs_de_libre_passage\"><\/span><strong>4. <\/strong>Faire suivre<strong> tes avoirs de libre passage<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Beaucoup de personnes changent d&#8217;employeur et ne r\u00e9alisent pas que leur deuxi\u00e8me pilier est bloqu\u00e9 dans une vieille caisse de pension.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">De ce fait, demande \u00e0 tes anciennes caisses de pension si ton argent a \u00e9t\u00e9 transf\u00e9r\u00e9.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Il serait dommage que ton argent soit oubli\u00e9 dans une ancienne caisse de pension.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-45\"><span class=\"ez-toc-section\" id=\"5_Prepare_ta_sortie_plusieurs_annees_a_lavance\"><\/span><strong>5. <\/strong>Pr\u00e9pare ta sortie plusieurs ann\u00e9es \u00e0 l&#8217;avance<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">N&#8217;attends pas d&#8217;avoir 63 ans pour t&#8217;inqui\u00e9ter avec ton 2P.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Prends le temps aujourd&#8217;hui afin d&#8217;optimiser ton 2P, par exemple :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Concernant la fiscalit\u00e9, vaut-il mieux retirer mon capital ou demander une rente?<\/li>\n\n\n\n<li>Racheter des parts de 2P ou investir, lequel a le plus de chances d&#8217;\u00eatre rentable?<\/li>\n\n\n\n<li>Devrais-je me candidater \u00e0 un poste similaire mais avec un 2P plus attractif?<\/li>\n\n\n\n<li>Dois-je devenir ind\u00e9pendant pour choisir ma caisse de pension et optimiser mon 2P?<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Ce sont des question qu&#8217;il faut faire bien avant 63 ans.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-vivid-red-background-color has-background\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Ton 2\u00e8me pilier est probablement l&#8217;un des plus gros patrimoines que tu vas constituer au cours de ta vie.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pourtant, il est souvent beaucoup moins suivi qu&#8217;un portefeuille d&#8217;actions ou qu&#8217;un compte bancaire.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tu n&#8217;as pas besoin de devenir expert en pr\u00e9voyance pour l&#8217;am\u00e9liorer.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Commence simplement par :<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>comprendre \u2192 v\u00e9rifier \u2192 comparer \u2192 optimiser.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">V\u00e9rifie ton certificat de pr\u00e9voyance, regarde les prestations de ton employeur, \u00e9tudie ta capacit\u00e9 de rachat et assure-toi que tes \u00e9ventuels avoirs de libre passage sont correctement g\u00e9r\u00e9s.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ensuite, si tu es dans une situation particuli\u00e8re \u2014 salaire \u00e9lev\u00e9, plan 1e, d\u00e9part de Suisse, achat immobilier ou retraite proche \u2014 il peut \u00eatre int\u00e9ressant d&#8217;approfondir davantage.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 <strong>Le but n&#8217;est pas de maximiser ton 2\u00e8me pilier \u00e0 tout prix. Le but est de prendre les bonnes d\u00e9cisions pour ta situation.<\/strong><\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6af4ff4836264&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6af4ff4836264\" 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=\"33226\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/comment-optimiser-son-2eme-pilier\/graphique-comment-optimiser-son-2p\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/10\/graphique-comment-optimiser-son-2P.png?fit=1254%2C1254&amp;ssl=1\" data-orig-size=\"1254,1254\" data-comments-opened=\"1\" data-image-title=\"graphique &amp;#8211; comment optimiser son 2P\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/10\/graphique-comment-optimiser-son-2P.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\/2024\/10\/graphique-comment-optimiser-son-2P.png?resize=600%2C600&#038;ssl=1\" alt=\"Comment optimiser son 2\u00e8me pilier en Suisse?\" class=\"wp-image-33226\" style=\"width:580px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/10\/graphique-comment-optimiser-son-2P.png?resize=600%2C600&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/10\/graphique-comment-optimiser-son-2P.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/10\/graphique-comment-optimiser-son-2P.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/10\/graphique-comment-optimiser-son-2P.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/10\/graphique-comment-optimiser-son-2P.png?resize=12%2C12&amp;ssl=1 12w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/10\/graphique-comment-optimiser-son-2P.png?resize=100%2C100&amp;ssl=1 100w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/10\/graphique-comment-optimiser-son-2P.png?w=1254&amp;ssl=1 1254w\" 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<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=17938\" style=\"font-size: 16px;padding: 15px 23px 15px 23px;margin: 0; margin-left: 10px;border-radius: 0px;border-width: 1px; background-color: #113AF5; color: #FFFFFF; text-decoration: none; white-space: nowrap; margin-left: 0\">Abonne-toi<\/a>\n\t\t\t\t\t<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-luminous-vivid-amber-color has-text-color has-background\" style=\"background-color:#2a0202\"><strong>Tu as un projet frugaliste ou minimaliste et tu souhaites une formation? Clique &#8221;<a href=\"https:\/\/minimalistefrugaliste.com\/contact\/\" target=\"_blank\" rel=\"noreferrer noopener\">ici<\/a>&#8221;.<\/strong><\/h5>\n\n\n\n<ul class=\"wp-block-social-links is-content-justification-center is-layout-flex wp-container-core-social-links-is-layout-a89b3969 wp-block-social-links-is-layout-flex\"><li class=\"wp-social-link wp-social-link-youtube wp-block-social-link\"><a href=\"https:\/\/www.youtube.com\/@minimalistefrugaliste\" class=\"wp-block-social-link-anchor\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M21.8,8.001c0,0-0.195-1.378-0.795-1.985c-0.76-0.797-1.613-0.801-2.004-0.847c-2.799-0.202-6.997-0.202-6.997-0.202 h-0.009c0,0-4.198,0-6.997,0.202C4.608,5.216,3.756,5.22,2.995,6.016C2.395,6.623,2.2,8.001,2.2,8.001S2,9.62,2,11.238v1.517 c0,1.618,0.2,3.237,0.2,3.237s0.195,1.378,0.795,1.985c0.761,0.797,1.76,0.771,2.205,0.855c1.6,0.153,6.8,0.201,6.8,0.201 s4.203-0.006,7.001-0.209c0.391-0.047,1.243-0.051,2.004-0.847c0.6-0.607,0.795-1.985,0.795-1.985s0.2-1.618,0.2-3.237v-1.517 C22,9.62,21.8,8.001,21.8,8.001z M9.935,14.594l-0.001-5.62l5.404,2.82L9.935,14.594z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">YouTube<\/span><\/a><\/li>\n\n<li class=\"wp-social-link wp-social-link-linkedin wp-block-social-link\"><a href=\"https:\/\/www.linkedin.com\/in\/minimalistefrugaliste\/\" class=\"wp-block-social-link-anchor\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M19.7,3H4.3C3.582,3,3,3.582,3,4.3v15.4C3,20.418,3.582,21,4.3,21h15.4c0.718,0,1.3-0.582,1.3-1.3V4.3 C21,3.582,20.418,3,19.7,3z M8.339,18.338H5.667v-8.59h2.672V18.338z M7.004,8.574c-0.857,0-1.549-0.694-1.549-1.548 c0-0.855,0.691-1.548,1.549-1.548c0.854,0,1.547,0.694,1.547,1.548C8.551,7.881,7.858,8.574,7.004,8.574z M18.339,18.338h-2.669 v-4.177c0-0.996-0.017-2.278-1.387-2.278c-1.389,0-1.601,1.086-1.601,2.206v4.249h-2.667v-8.59h2.559v1.174h0.037 c0.356-0.675,1.227-1.387,2.526-1.387c2.703,0,3.203,1.779,3.203,4.092V18.338z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">LinkedIn<\/span><\/a><\/li><\/ul>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-background-color has-cyan-bluish-gray-background-color has-text-color has-background\"><strong>N&#8217;h\u00e9site pas \u00e0 lire mes Pages<\/strong><\/h5>\n\n\n<ul class=\"wp-block-page-list\"><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/a-propos-de-moi\/\">\u00c0 propos de moi<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/epargne-frugalisme\/\">\u00c9pargne \/ Frugalisme<\/a><\/li><li class=\"wp-block-pages-list__item menu-item-home\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/\">Bienvenue<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/blog\/\">Blog<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/boutique\/\">Boutique<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/contact-dons\/\">Contact<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/formation-e-book\/\">Formation \/ E-book<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement\/\">Investissement<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/page-minimaliste\/\">Minimaliste<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/mon-compte\/\">Mon compte<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/newsletter\/\">Newsletter<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\">Panier<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/commander\/\">Validation de la commande<\/a><\/li><\/ul>\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-background-color has-cyan-bluish-gray-background-color has-text-color has-background\"><strong>Derniers articles<\/strong><\/h5>\n\n\n<ul class=\"wp-block-latest-posts__list wp-block-latest-posts is-layout-flow wp-block-latest-posts-is-layout-flow\"><li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/apres-10-ans-investissement-en-etf-quel-etf-je-choisirais\/\">Apr\u00e8s 10 ans d\u2019investissement en ETF : quel ETF je choisirais<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/la-liberte-financiere-pourquoi-les-premiers-100000-sont-les-plus-difficiles\/\">La libert\u00e9 financi\u00e8re : pourquoi les premiers 100&#8217;000 sont les plus difficiles<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/meilleur-conseil-du-monde-economiser\/\">Le meilleur conseil du monde pour \u00e9conomiser<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/banque-neon\/\">La banque Neon, le r\u00e9sum\u00e9<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-digitalisation-influence-minimaliste\/\">Comment la digitalisation influence le minimaliste?<\/a><\/li>\n<\/ul>\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-dots\"\/>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-light-green-cyan-color has-text-color\"><strong>Comment vit ce blog?<\/strong><\/h5>\n\n\n\n<p class=\"wp-block-paragraph\">Globalement, ce blog vit du partage d\u2019un mode de vie frugale et minimaliste.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour une question de transparence envers les lecteurs. Tous les produits conseill\u00e9s sont dans le but de rendre la vie moins ch\u00e8re, plus simple et pour favoriser l&#8217;essentiel.<\/p>\n\n\n\n<p class=\"has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-46 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-47\"><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","protected":false},"excerpt":{"rendered":"<p>This article explains how to optimize your second pillar pension in Switzerland. It presents seven practical strategies, such as analyzing your pension certificate, comparing pension plans when changing jobs, and exploring buyback options.<br \/>\nFind out if you can optimize your 2P.<\/p>","protected":false},"author":215552267,"featured_media":35461,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_wpcom_ai_launchpad_first_post":false,"_jetpack_hide_featured_image":false,"_jetpack_featured_image_duplicate_dismissed":0,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"Une fois avoir compris les bases et le fonctionnement du 2\u00e8me pilier. La question est comment optimiser son 2\u00e8me pilier? \ud83d\ude09","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":[728546159,728545124,728546153,728546167,728546166,728546164,728546158,728546162,728546163,728546160,728546156,728546161,728546168,728545086,728546165],"class_list":["post-17938","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investissement","tag-2e-pilier-suisse","tag-epargne-retraite-suisse","tag-caisse-de-pension-suisse","tag-capital-retraite-suisse","tag-conseils-retraite-suisse","tag-fiscalite-2e-pilier","tag-lpp-suisse","tag-optimisation-retraite-suisse","tag-optimiser-son-2e-pilier","tag-placement-2e-pilier","tag-prevoyance-professionnelle-suisse","tag-prevoyance-retraite","tag-rachat-2e-pilier","tag-retraite-suisse","tag-versement-volontaire-2e-pilier"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Comment optimiser son 2\u00e8me pilier? - Minimaliste et Frugaliste<\/title>\n<meta name=\"description\" content=\"Une fois avoir compris les bases et le fonctionnement du 2\u00e8me pilier. La question est comment optimiser son 2\u00e8me pilier? \ud83d\ude09\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/minimalistefrugaliste.com\/en\/how-to-optimize-your-2nd-pillar\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Comment optimiser son 2\u00e8me pilier? - Minimaliste et Frugaliste\" \/>\n<meta property=\"og:description\" content=\"Une fois avoir compris les bases et le fonctionnement du 2\u00e8me pilier. 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