{"id":17965,"date":"2026-08-30T10:18:14","date_gmt":"2026-08-30T08:18:14","guid":{"rendered":"https:\/\/minimalistefrugaliste.com\/?p=17965"},"modified":"2026-09-23T10:10:26","modified_gmt":"2026-09-23T08:10:26","slug":"2nd-pillar-basics-understand","status":"publish","type":"post","link":"https:\/\/minimalistefrugaliste.com\/en\/2eme-pilier-bases-comprendre\/","title":{"rendered":"2nd pillar: The basics to understand"},"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>En Suisse, il y a 3 piliers financiers. Dans cet article, nous allons nous concentrer sur le 2\u00e8me pilier et comprendre les bases. \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\/2eme-pilier-bases-comprendre\/#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\/2eme-pilier-bases-comprendre\/#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\/2eme-pilier-bases-comprendre\/#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\/2eme-pilier-bases-comprendre\/#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\/2eme-pilier-bases-comprendre\/#Les_3_piliers_en_Suisse_Comprendre_le_2eme_pilier_LPP_en_profondeur\" >Les 3 piliers en Suisse : Comprendre le 2\u00e8me pilier (LPP) en profondeur<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/minimalistefrugaliste.com\/en\/2eme-pilier-bases-comprendre\/#Les_3_piliers_en_un_coup_doeil\" >Les 3 piliers en un coup d\u2019\u0153il<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/minimalistefrugaliste.com\/en\/2eme-pilier-bases-comprendre\/#Pourquoi_le_1er_pilier_ne_suffit_PAS\" >Pourquoi le 1er pilier ne suffit PAS ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/minimalistefrugaliste.com\/en\/2eme-pilier-bases-comprendre\/#Le_3eme_pilier_Un_exemple_concret_pour_comprendre_son_interet\" >Le 3\u00e8me pilier : Un exemple concret pour comprendre son int\u00e9r\u00eat<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/minimalistefrugaliste.com\/en\/2eme-pilier-bases-comprendre\/#Pourquoi_le_3eme_pilier_est-il_important\" >Pourquoi le 3\u00e8me pilier est-il important ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/minimalistefrugaliste.com\/en\/2eme-pilier-bases-comprendre\/#Que_faire_avec_ton_3eme_pilier\" >Que faire avec ton 3\u00e8me pilier ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/minimalistefrugaliste.com\/en\/2eme-pilier-bases-comprendre\/#2eme_pilier_Les_bases_a_comprendre\" >2\u00e8me pilier: Les bases \u00e0 comprendre<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/minimalistefrugaliste.com\/en\/2eme-pilier-bases-comprendre\/#Le_2eme_pilier_LPP_Tout_ce_que_tu_dois_savoir\" >Le 2\u00e8me pilier (LPP) : Tout ce que tu dois savoir<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/minimalistefrugaliste.com\/en\/2eme-pilier-bases-comprendre\/#1%EF%B8%8F%E2%83%A3_Comment_ca_marche\" >1\ufe0f\u20e3 Comment \u00e7a marche ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/minimalistefrugaliste.com\/en\/2eme-pilier-bases-comprendre\/#2%EF%B8%8F%E2%83%A3_Qui_peut_en_beneficier\" >2\ufe0f\u20e3 Qui peut en b\u00e9n\u00e9ficier ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/minimalistefrugaliste.com\/en\/2eme-pilier-bases-comprendre\/#3%EF%B8%8F%E2%83%A3_A_quel_age_peux-tu_retirer_ton_2eme_pilier\" >3\ufe0f\u20e3 \u00c0 quel \u00e2ge peux-tu retirer ton 2\u00e8me pilier ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/minimalistefrugaliste.com\/en\/2eme-pilier-bases-comprendre\/#4%EF%B8%8F%E2%83%A3_Comment_retirer_ton_2eme_pilier_a_la_retraite\" >4\ufe0f\u20e3 Comment retirer ton 2\u00e8me pilier \u00e0 la retraite ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/minimalistefrugaliste.com\/en\/2eme-pilier-bases-comprendre\/#5%EF%B8%8F%E2%83%A3_Fiscalite_Combien_vas-tu_payer\" >5\ufe0f\u20e3 Fiscalit\u00e9 : Combien vas-tu payer ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/minimalistefrugaliste.com\/en\/2eme-pilier-bases-comprendre\/#Particularite_du_2P_Ce_que_tu_dois_ABSOLUMENT_savoir\" >Particularit\u00e9 du 2P : Ce que tu dois ABSOLUMENT savoir<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/minimalistefrugaliste.com\/en\/2eme-pilier-bases-comprendre\/#%F0%9F%94%B8_Frontaliers\" >\ud83d\udd38 Frontaliers<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/minimalistefrugaliste.com\/en\/2eme-pilier-bases-comprendre\/#%F0%9F%94%B8_Changer_de_2eme_pilier_est-ce_possible\" >\ud83d\udd38 Changer de 2\u00e8me pilier : est-ce possible ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/minimalistefrugaliste.com\/en\/2eme-pilier-bases-comprendre\/#%F0%9F%94%B8_Divorce_que_se_passe-t-il\" >\ud83d\udd38 Divorce : que se passe-t-il ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/minimalistefrugaliste.com\/en\/2eme-pilier-bases-comprendre\/#%F0%9F%94%B8_Couple_non_marie_pense_a_verifier_les_beneficiaires\" >\ud83d\udd38 Couple non mari\u00e9 : pense \u00e0 v\u00e9rifier les b\u00e9n\u00e9ficiaires !<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/minimalistefrugaliste.com\/en\/2eme-pilier-bases-comprendre\/#%F0%9F%94%B8_Partir_a_letranger_avec_son_2eme_pilier\" >\ud83d\udd38 Partir \u00e0 l\u2019\u00e9tranger avec son 2\u00e8me pilier<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/minimalistefrugaliste.com\/en\/2eme-pilier-bases-comprendre\/#%F0%9F%94%B8_Changer_demploi_noublie_pas_ton_avoir_de_sortie\" >\ud83d\udd38 Changer d\u2019emploi : n\u2019oublie pas ton avoir de sortie !<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/minimalistefrugaliste.com\/en\/2eme-pilier-bases-comprendre\/#%F0%9F%94%B8_Ouvrir_son_entreprise_avec_son_2eme_pilier\" >\ud83d\udd38 Ouvrir son entreprise avec son 2\u00e8me pilier<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/minimalistefrugaliste.com\/en\/2eme-pilier-bases-comprendre\/#%F0%9F%94%B8_Lacunes_de_prevoyance_que_faire\" >\ud83d\udd38 Lacunes de pr\u00e9voyance : que faire ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/minimalistefrugaliste.com\/en\/2eme-pilier-bases-comprendre\/#Comment_optimiser_son_2eme_pilier\" >Comment optimiser son 2\u00e8me pilier ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/minimalistefrugaliste.com\/en\/2eme-pilier-bases-comprendre\/#Resume_les_7_points_cles_a_retenir_concernant_le_2eme_pilier\" >R\u00e9sum\u00e9 : les 7 points cl\u00e9s \u00e0 retenir concernant le 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\/2eme-pilier-bases-comprendre\/#Mon_conseil_final\" >Mon conseil final<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-30\" href=\"https:\/\/minimalistefrugaliste.com\/en\/2eme-pilier-bases-comprendre\/#FAQ_2eme_pilier_en_Suisse_LPP_les_bases_a_comprendre\" >FAQ : 2\u00e8me pilier en Suisse (LPP), les bases \u00e0 comprendre<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-31\" href=\"https:\/\/minimalistefrugaliste.com\/en\/2eme-pilier-bases-comprendre\/#Quest-ce_que_le_2eme_pilier_en_Suisse\" >Qu\u2019est-ce que le 2\u00e8me pilier en Suisse ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-32\" href=\"https:\/\/minimalistefrugaliste.com\/en\/2eme-pilier-bases-comprendre\/#A_quel_age_peut-on_retirer_son_2eme_pilier\" >\u00c0 quel \u00e2ge peut-on retirer son 2\u00e8me pilier ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-33\" href=\"https:\/\/minimalistefrugaliste.com\/en\/2eme-pilier-bases-comprendre\/#Peut-on_retirer_son_2eme_pilier_en_capital\" >Peut-on retirer son 2\u00e8me pilier en capital ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-34\" href=\"https:\/\/minimalistefrugaliste.com\/en\/2eme-pilier-bases-comprendre\/#Que_devient_mon_2eme_pilier_si_je_change_demploi\" >Que devient mon 2\u00e8me pilier si je change d\u2019emploi ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-35\" href=\"https:\/\/minimalistefrugaliste.com\/en\/2eme-pilier-bases-comprendre\/#Peut-on_retirer_son_2eme_pilier_pour_acheter_un_logement\" >Peut-on retirer son 2\u00e8me pilier pour acheter un logement ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-36\" href=\"https:\/\/minimalistefrugaliste.com\/en\/2eme-pilier-bases-comprendre\/#Peut-on_retirer_son_2eme_pilier_en_quittant_la_Suisse\" >Peut-on retirer son 2\u00e8me pilier en quittant la Suisse ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-37\" href=\"https:\/\/minimalistefrugaliste.com\/en\/2eme-pilier-bases-comprendre\/#Est-il_interessant_de_faire_un_rachat_de_2eme_pilier\" >Est-il int\u00e9ressant de faire un rachat de 2\u00e8me pilier ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-38\" href=\"https:\/\/minimalistefrugaliste.com\/en\/2eme-pilier-bases-comprendre\/#2eme_pilier_les_bases_a_comprendre\" >2\u00e8me pilier : les bases \u00e0 comprendre<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-39\" href=\"https:\/\/minimalistefrugaliste.com\/en\/2eme-pilier-bases-comprendre\/#2eme_pilier_les_bases_a_comprendre-2\" >2\u00e8me pilier : les bases \u00e0 comprendre<\/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-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-2\"><span class=\"ez-toc-section\" id=\"Les_3_piliers_en_Suisse_Comprendre_le_2eme_pilier_LPP_en_profondeur\"><\/span><strong>Les 3 piliers en Suisse : Comprendre le 2\u00e8me pilier (LPP) en profondeur<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Tu veux ma\u00eetriser ton avenir financier en Suisse ? <strong>Les 3 piliers<\/strong> sont la cl\u00e9. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aujourd\u2019hui, on se concentre sur le <strong>2\u00e8me pilier<\/strong> (la caisse de pension ou LPP), ce compl\u00e9ment indispensable pour une retraite sereine. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mais avant de plonger sur le 2P, faisons un rappel rapide sur le premier et troisi\u00e8me pilier, car tout est li\u00e9.<\/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=\"Les_3_piliers_en_un_coup_doeil\"><\/span><strong>Les 3 piliers en un coup d\u2019\u0153il<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6af500faad835&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6af500faad835\" class=\"wp-block-image aligncenter size-large is-resized has-custom-border wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"600\" data-attachment-id=\"18139\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/2eme-pilier-bases-comprendre\/3-piliers\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/10\/3-piliers.jpg?fit=1024%2C1024&amp;ssl=1\" data-orig-size=\"1024,1024\" data-comments-opened=\"1\" data-image-title=\"3 piliers\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/10\/3-piliers.jpg?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\/3-piliers.jpg?resize=600%2C600&#038;ssl=1\" alt=\"2\u00e8me pilier: Les bases \u00e0 comprendre \ud83d\ude09\" class=\"has-border-color has-luminous-vivid-orange-border-color wp-image-18139\" style=\"width:143px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/10\/3-piliers.jpg?resize=600%2C600&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/10\/3-piliers.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/10\/3-piliers.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/10\/3-piliers.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/10\/3-piliers.jpg?resize=12%2C12&amp;ssl=1 12w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/10\/3-piliers.jpg?w=1024&amp;ssl=1 1024w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Voici un r\u00e9sum\u00e9 des 3 piliers suisses<a href=\"https:\/\/www.bsv.admin.ch\/fr\/trois-piliers\">*<\/a>:<\/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\"><strong>Pilier<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>Nom officiel<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>\u00c0 quoi \u00e7a sert ?<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>Obligatoire ?<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>\u00c2ge de retrait<\/strong><\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>1er pilier<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">AVS (Assurance Vieillesse)<\/td><td class=\"has-text-align-center\" data-align=\"center\">Minimum vital pour survivre <\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2705 Oui pour tous<\/td><td class=\"has-text-align-center\" data-align=\"center\">63 ou 64 ans = avec p\u00e9nalit\u00e9<br>65 ans = sans p\u00e9nalit\u00e9<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>3\u00e8me pilier<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Compte 3a<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00c9pargne flexible (retraite, projet immobilier, etc.).<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u274c Non (facultatif)<\/td><td class=\"has-text-align-center\" data-align=\"center\">D\u00e8s 60 ans ou quelques exceptions<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>2\u00e8me pilier<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">LPP (Caisse de pension)<\/td><td class=\"has-text-align-center\" data-align=\"center\">Compl\u00e8te le 1er pilier pour maintenir ton niveau de vie.<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2705 Oui pour les employ\u00e9s (\u274c Non pour les ind\u00e9pendants, sauf choix volontaire)<\/td><td class=\"has-text-align-center\" data-align=\"center\">58\u201370 ans*<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">*Retrait anticip\u00e9 possible entre 58 et 64 ans, mais avec <strong>p\u00e9nalit\u00e9s<\/strong> (selon ta caisse).<\/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=\"Pourquoi_le_1er_pilier_ne_suffit_PAS\"><\/span><strong>Pourquoi le 1er pilier ne suffit PAS ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6af500faadf32&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6af500faadf32\" class=\"wp-block-image aligncenter size-full is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"291\" height=\"498\" data-attachment-id=\"18140\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/2eme-pilier-bases-comprendre\/1onegif-2\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/10\/1OneGIF-1.gif?fit=291%2C498&amp;ssl=1\" data-orig-size=\"291,498\" data-comments-opened=\"1\" data-image-title=\"1OneGIF\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/10\/1OneGIF-1.gif?fit=291%2C498&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\/1OneGIF-1.gif?resize=291%2C498&#038;ssl=1\" alt=\"2\u00e8me pilier: Les bases \u00e0 comprendre\" class=\"wp-image-18140\" style=\"width:73px;height:auto\"\/><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<p class=\"wp-block-paragraph\">Imagine que tu as travaill\u00e9 <strong>toute ta vie<\/strong> avec un <strong>bon salaire<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En 2026, la rente AVS maximale est de 2\u2019520 CHF par mois pour une personne seule. Pour un couple mari\u00e9, la somme des deux rentes est plafonn\u00e9e \u00e0 3\u2019780 CHF par mois.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 <strong>Probl\u00e8me<\/strong> :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ces montants sont <strong>fix\u00e9s par la loi<\/strong> et <strong>plafonn\u00e9s<\/strong>.<\/li>\n\n\n\n<li>Plus de <strong>80% des Suisses<\/strong> touchent <strong>moins<\/strong> que ces montants (car il faut gagner <strong>plus de 90\u2019000 CHF\/an<\/strong> pendant des d\u00e9cennies pour les atteindre).<\/li>\n\n\n\n<li><strong>2\u2019450 CHF\/mois<\/strong>, c\u2019est <strong>\u00e0 peine assez<\/strong> pour payer un loyer moyen dans certaines r\u00e9gions de Suisse (sans compter les assurances, la nourriture, les transports, etc.).<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Conclusion<\/strong> : <strong>Le 1er pilier seul ne permet pas de vivre d\u00e9cemment \u00e0 la retraite en Suisse.<\/strong> \u2192 <strong>Le 2\u00e8me pilier devient donc CRUCIAL.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mais avant de parler du SP, analysons le troisi\u00e8me pilier.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-5\"><span class=\"ez-toc-section\" id=\"Le_3eme_pilier_Un_exemple_concret_pour_comprendre_son_interet\"><\/span><strong>Le 3\u00e8me pilier : Un exemple concret pour comprendre son int\u00e9r\u00eat<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6af500faae3cf&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6af500faae3cf\" class=\"wp-block-image aligncenter size-full is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"374\" height=\"498\" data-attachment-id=\"18142\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/2eme-pilier-bases-comprendre\/3number3gif\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/10\/3Number3GIF.gif?fit=374%2C498&amp;ssl=1\" data-orig-size=\"374,498\" data-comments-opened=\"1\" data-image-title=\"3Number3GIF\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/10\/3Number3GIF.gif?fit=374%2C498&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\/3Number3GIF.gif?resize=374%2C498&#038;ssl=1\" alt=\"2\u00e8me pilier: Les bases \u00e0 comprendre\" class=\"wp-image-18142\" style=\"width:99px;height:auto\"\/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-6\"><span class=\"ez-toc-section\" id=\"Pourquoi_le_3eme_pilier_est-il_important\"><\/span><strong>Pourquoi le 3\u00e8me pilier est-il important ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le <strong>1er et le 2\u00e8me pilier<\/strong> constituent la base de ta pr\u00e9voyance, mais ils ne garantissent pas n\u00e9cessairement que tu pourras conserver ton niveau de vie \u00e0 la retraite.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019<strong>AVS (1er pilier)<\/strong> est plafonn\u00e9e : m\u00eame avec un salaire \u00e9lev\u00e9, ta rente AVS ne peut pas augmenter ind\u00e9finiment. Le <strong>2\u00e8me pilier<\/strong> compl\u00e8te l\u2019AVS, mais son montant d\u00e9pend notamment de ton salaire assur\u00e9, de tes ann\u00e9es de cotisation et du plan de pr\u00e9voyance de ton employeur (nous allons analyser apr\u00e8s le 2P).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C\u2019est l\u00e0 que le <strong>3\u00e8me pilier 3a<\/strong> devient int\u00e9ressant : il te permet de <strong>constituer une \u00e9pargne personnelle suppl\u00e9mentaire<\/strong>, en dehors de l\u2019AVS et de la caisse de pension. Tu peux notamment l\u2019utiliser pour am\u00e9liorer ton revenu \u00e0 la retraite, financer certains projets autoris\u00e9s comme l\u2019accession \u00e0 la propri\u00e9t\u00e9, ou compenser certaines lacunes de pr\u00e9voyance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Autre avantage important : <strong>les versements dans le 3a donnent droit, sous certaines conditions, \u00e0 une d\u00e9duction fiscale<\/strong>, ce qui permet de r\u00e9duire ton revenu imposable pendant ta vie active.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 <strong>En r\u00e9sum\u00e9 :<\/strong> le 1er pilier constitue la base, le 2\u00e8me pilier la compl\u00e8te, et le 3\u00e8me pilier te permet d\u2019aller plus loin en construisant <strong>ta propre \u00e9pargne retraite<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-7\"><span class=\"ez-toc-section\" id=\"Que_faire_avec_ton_3eme_pilier\"><\/span><strong>Que faire avec ton 3\u00e8me pilier ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Imaginons qu&#8217;en ce moment, tu travailles et qu&#8217;apr\u00e8s payer tes factures, il te reste de l&#8217;argent chaque mois. Supposons que tu souhaites ajouter chaque mois de l&#8217;argent sur ton 3a.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tu as <strong>2 options si tu souhaites \u00e9pargner dans un compte 3a<\/strong> :<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>Le laisser en liquidit\u00e9s<\/strong> \u2192 Tu re\u00e7ois <strong>environ 1% d\u2019int\u00e9r\u00eats par an<\/strong> (comme un compte d\u2019\u00e9pargne classique).<\/li>\n\n\n\n<li><strong>L\u2019investir dans ton 3a<\/strong> en bourse ou dans l&#8217;immobilier (ex. dans un <strong>ETF Global 100<\/strong>) <\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Si tu choisis l&#8217;option num\u00e9ro 2, ton argent variera selon la performance de ton 3a. Par exemple, le rendement moyen du 3a Global 100 sur Viac sur 10 ans est de 7% par an, mais le rendement est tr\u00e8s volatile. (Ce rendement n&#8217;est pas garanti pour l&#8217;avenir, juste une donn\u00e9e historique.)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ainsi, entre 2016 et 2025, un investissement dans le global 100 de Viac (99% actions) aurait rapport\u00e9 7 fois plus qu&#8217;un compte 3a \u00e0 100% liquidit\u00e9s.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">De ce fait, le r\u00f4le du 3a est d&#8217;\u00eatre un compl\u00e9ment financier au premier et deuxi\u00e8me pilier. Analysons maintenant le 2P.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-light-green-cyan-color has-text-color has-link-color wp-elements-8\"><span class=\"ez-toc-section\" id=\"2eme_pilier_Les_bases_a_comprendre\"><\/span>2\u00e8me pilier: Les bases \u00e0 comprendre<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-9\"><span class=\"ez-toc-section\" id=\"Le_2eme_pilier_LPP_Tout_ce_que_tu_dois_savoir\"><\/span><strong>Le 2\u00e8me pilier (LPP) : Tout ce que tu dois savoir<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6af500faaea43&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6af500faaea43\" class=\"wp-block-image aligncenter size-full is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"399\" height=\"498\" data-attachment-id=\"18144\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/2eme-pilier-bases-comprendre\/2twogif\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/10\/2TwoGIF.gif?fit=399%2C498&amp;ssl=1\" data-orig-size=\"399,498\" data-comments-opened=\"1\" data-image-title=\"2TwoGIF\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/10\/2TwoGIF.gif?fit=399%2C498&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\/2TwoGIF.gif?resize=399%2C498&#038;ssl=1\" alt=\"\" class=\"wp-image-18144\" style=\"width:86px;height:auto\"\/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-10\"><span class=\"ez-toc-section\" id=\"1%EF%B8%8F%E2%83%A3_Comment_ca_marche\"><\/span><strong>1\ufe0f\u20e3 Comment \u00e7a marche ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Chaque mois, <strong>ton salaire est automatiquement divis\u00e9<\/strong> :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Une partie est pr\u00e9lev\u00e9e<\/strong> de ton salaire brut.<\/li>\n\n\n\n<li><strong>Ton employeur ajoute sa contribution<\/strong>. <\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Chaque mois, une cotisation est pr\u00e9lev\u00e9e sur ton salaire et ton employeur verse \u00e9galement une contribution \u00e0 la caisse de pension. Le montant d\u00e9pend notamment de ton \u00e2ge, de ton salaire assur\u00e9 et du r\u00e8glement de ta caisse. L&#8217;employeur doit financer au minimum 50 % des cotisations, mais certaines entreprises en prennent davantage \u00e0 leur charge.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Par exemple, si tu as un salaire de 80&#8217;000 CHF par an et que toi et ton employeur versez chacun 7 % dans ton 2P, cela fait 14 % au total, soit 11&#8217;200 CHF par ann\u00e9e dans ton 2P.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Notons que ce chiffre de 14% est un exemple. En v\u00e9rit\u00e9, le pourcentage cotis\u00e9 d\u00e9pend des conditions de ton employeur.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-11\"><span class=\"ez-toc-section\" id=\"2%EF%B8%8F%E2%83%A3_Qui_peut_en_beneficier\"><\/span><strong>2\ufe0f\u20e3 Qui peut en b\u00e9n\u00e9ficier ?<\/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\"><strong>Statut<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>Obligatoire ?<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>Conditions<\/strong><\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Employ\u00e9<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2705 Oui<\/td><td class=\"has-text-align-center\" data-align=\"center\">Gagner au minimum un salaire de <strong>22\u2019680 CHF\/an<\/strong> (seuil l\u00e9gal).<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Ind\u00e9pendant<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">\u274c Non<\/td><td class=\"has-text-align-center\" data-align=\"center\">Mais possible (choix volontaire).<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Tu peux en b\u00e9n\u00e9ficier du 2P si tu es employ\u00e9. Si tu es ind\u00e9pendant, c&#8217;est volontaire.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 <strong>\u00c0 savoir<\/strong> :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Il existe <strong>environ 2\u2019000 caisses de pension<\/strong> en Suisse.<\/li>\n\n\n\n<li><strong>Chaque caisse a ses propres r\u00e8gles<\/strong> (frais, investissements, rendements).<\/li>\n\n\n\n<li><strong>Tu n\u2019as pas le choix<\/strong> si tu es employ\u00e9 : tu dois accepter la caisse de ton employeur.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-12\"><span class=\"ez-toc-section\" id=\"3%EF%B8%8F%E2%83%A3_A_quel_age_peux-tu_retirer_ton_2eme_pilier\"><\/span><strong>3\ufe0f\u20e3 \u00c0 quel \u00e2ge peux-tu retirer ton 2\u00e8me pilier ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Pour acheter un logement en Suisse ou devenir ind\u00e9pendant, tu peux retirer de l&#8217;argent de ton 2P \u00e0 n&#8217;importe quel \u00e2ge sous certaines conditions. Par contre, pour retirer pour ta retraite, c&#8217;est :<\/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\"><strong>\u00c2ge<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>Conditions<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>Cons\u00e9quences<\/strong><\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>58\u201364 ans<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Retrait <strong>anticip\u00e9<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Selon la caisse de pension, il peut y avoir des p\u00e9nalit\u00e9s<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>65\u201370 ans<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Retrait <strong>sans p\u00e9nalit\u00e9<\/strong> (\u00e2ge l\u00e9gal).<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Pas de frais suppl\u00e9mentaires<\/strong>.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Exemple<\/strong> :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Si tu retires ton 2P avant <strong>65 ans<\/strong>, ta caisse de pension pourrait t&#8217;ajouter <strong>des p\u00e9nalit\u00e9s<\/strong>, mais tout d\u00e9pend de la politique de la caisse.<\/li>\n\n\n\n<li>Si tu attends <strong>65 ans<\/strong>, tu b\u00e9n\u00e9ficies \u00e0 <strong>100%<\/strong> de ton capital (sans comptabiliser les imp\u00f4ts).<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-13\"><span class=\"ez-toc-section\" id=\"4%EF%B8%8F%E2%83%A3_Comment_retirer_ton_2eme_pilier_a_la_retraite\"><\/span><strong>4\ufe0f\u20e3 Comment retirer ton 2\u00e8me pilier \u00e0 la retraite ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Tu as <strong>3 options<\/strong> (selon ta caisse) :<\/p>\n\n\n\n<h4 class=\"wp-block-heading has-pale-cyan-blue-color has-text-color has-link-color wp-elements-14\"><strong>Option 1 : Retrait en capital<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Tu re\u00e7ois <strong>tout ton argent d\u2019un coup<\/strong> sur ton compte bancaire.<\/li>\n\n\n\n<li><strong>Avantage<\/strong> : Libert\u00e9 totale pour investir ou d\u00e9penser.<\/li>\n\n\n\n<li><strong>Inconv\u00e9nient<\/strong> : <strong>Imp\u00f4t unique<\/strong> (variable selon le canton)<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading has-pale-cyan-blue-color has-text-color has-link-color wp-elements-15\"><strong>Option 2 : Rente mensuelle<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ta caisse te verse <strong>une rente r\u00e9guli\u00e8re<\/strong>, g\u00e9n\u00e9ralement jusqu\u2019\u00e0 ton d\u00e9c\u00e8s, selon les conditions de ton r\u00e9gime de pr\u00e9voyance.<\/li>\n\n\n\n<li><strong>Avantage<\/strong> : tu b\u00e9n\u00e9ficies d\u2019un <strong>revenu stable \u00e0 vie<\/strong>, comme un compl\u00e9ment de salaire.<\/li>\n\n\n\n<li><strong>Inconv\u00e9nient<\/strong> : cette option est <strong>moins flexible qu\u2019un retrait en capital<\/strong> <\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">De plus, en cas de d\u00e9c\u00e8s, le capital restant ne revient pas automatiquement aux h\u00e9ritiers.<\/p>\n\n\n\n<h4 class=\"wp-block-heading has-pale-cyan-blue-color has-text-color has-link-color wp-elements-16\"><strong>Option 3 : Mix capital + rente<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>50% en capital<\/strong> (ex. : 100\u2019000 CHF) + <strong>50% en rente<\/strong> (ex. : 1\u2019000 CHF\/mois).<\/li>\n\n\n\n<li><strong>Disponible uniquement<\/strong> si ta caisse le permet.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Notons que ce n&#8217;est pas obligatoirement 50% capital et 50% rente. Tout d\u00e9pend de ce que l&#8217;assur\u00e9 n\u00e9gocie avec sa 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-17\"><span class=\"ez-toc-section\" id=\"5%EF%B8%8F%E2%83%A3_Fiscalite_Combien_vas-tu_payer\"><\/span><strong>5\ufe0f\u20e3 Fiscalit\u00e9 : Combien vas-tu payer ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019imp\u00f4t sur le 2\u00e8me pilier d\u00e9pend : <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Du canton<\/strong> o\u00f9 tu vis (ex. : <strong>Zoug = 1,5%<\/strong>, <strong>Gen\u00e8ve = 3,5%<\/strong>). <\/li>\n\n\n\n<li><strong>Du montant retir\u00e9<\/strong> (plus c\u2019est \u00e9lev\u00e9, plus le taux peut changer).<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">De ce fait, si tu envisages de changer de canton avant un retrait important, compare la fiscalit\u00e9 des prestations en capital : le canton de domicile au moment du versement peut avoir un impact significatif sur l&#8217;imp\u00f4t d\u00fb.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-18\"><span class=\"ez-toc-section\" id=\"Particularite_du_2P_Ce_que_tu_dois_ABSOLUMENT_savoir\"><\/span><strong>Particularit\u00e9 du 2P : Ce que tu dois ABSOLUMENT savoir<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-19\"><span class=\"ez-toc-section\" id=\"%F0%9F%94%B8_Frontaliers\"><\/span><strong>\ud83d\udd38 Frontaliers<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Si tu travailles en Suisse en tant que frontalier, tu peux \u00eatre affili\u00e9 au <strong>2\u00e8me pilier suisse,<\/strong> si tu remplis les conditions l\u00e9gales d\u2019assujettissement.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En revanche, les r\u00e8gles peuvent \u00eatre diff\u00e9rentes lorsque tu quittes ton emploi en Suisse ou que tu retournes d\u00e9finitivement dans ton pays de r\u00e9sidence.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 <strong>\u00c0 retenir :<\/strong> le statut de frontalier ne signifie pas automatiquement que les r\u00e8gles sont identiques \u00e0 celles d\u2019une personne domicili\u00e9e en Suisse. En cas de d\u00e9part d\u00e9finitif, v\u00e9rifie les r\u00e8gles applicables \u00e0 ta situation selon la 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-20\"><span class=\"ez-toc-section\" id=\"%F0%9F%94%B8_Changer_de_2eme_pilier_est-ce_possible\"><\/span><strong>\ud83d\udd38 Changer de 2\u00e8me pilier : est-ce possible ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">En tant que salari\u00e9, tu ne peux g\u00e9n\u00e9ralement <strong>pas choisir librement ta caisse de pension<\/strong> : tu es affili\u00e9 \u00e0 l\u2019institution de pr\u00e9voyance choisie par ton employeur.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En revanche, lorsque tu changes d\u2019emploi :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>ta nouvelle entreprise peut avoir <strong>une autre caisse de pension<\/strong> <\/li>\n\n\n\n<li>ton avoir de sortie doit alors \u00eatre <strong>transf\u00e9r\u00e9 vers la caisse de ton nouvel employeur<\/strong> <\/li>\n\n\n\n<li><strong>les conditions de pr\u00e9voyance peuvent \u00eatre tr\u00e8s diff\u00e9rentes<\/strong> d\u2019une caisse \u00e0 l\u2019autre.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 <strong>\u00c0 retenir :<\/strong> tu peux comparer les prestations de pr\u00e9voyance propos\u00e9es par diff\u00e9rents employeurs avant de faire ton choix professionnel.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Parfois, entre deux entreprises offrant le m\u00eame emploi, tu peux avoir le m\u00eame salaire mais un 2P plus \u00e9lev\u00e9 dans une entreprise. N&#8217;h\u00e9site pas \u00e0 analyser chaque 2P.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-21\"><span class=\"ez-toc-section\" id=\"%F0%9F%94%B8_Divorce_que_se_passe-t-il\"><\/span><strong>\ud83d\udd38 Divorce : que se passe-t-il ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">En cas de divorce, les avoirs de pr\u00e9voyance professionnelle accumul\u00e9s <strong>pendant le mariage<\/strong> sont en principe partag\u00e9s entre les deux conjoints.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 <strong>\u00c0 retenir :<\/strong> en cas de divorce, ce n\u2019est pas n\u00e9cessairement la moiti\u00e9 de ton capital actuel qui est transf\u00e9r\u00e9e. Ce sont principalement les avoirs accumul\u00e9s pendant la p\u00e9riode du mariage qui sont concern\u00e9s.<\/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=\"%F0%9F%94%B8_Couple_non_marie_pense_a_verifier_les_beneficiaires\"><\/span><strong>\ud83d\udd38 Couple non mari\u00e9 : pense \u00e0 v\u00e9rifier les b\u00e9n\u00e9ficiaires !<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Si tu vis en concubinage, ton partenaire ne b\u00e9n\u00e9ficie pas forc\u00e9ment automatiquement des m\u00eames droits qu\u2019un conjoint mari\u00e9.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les conditions d\u00e9pendent notamment du <strong>r\u00e8glement de ta caisse de pension<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 <strong>Conseil :<\/strong> v\u00e9rifie aupr\u00e8s de ta caisse si ton partenaire peut \u00eatre reconnu comme b\u00e9n\u00e9ficiaire en cas de d\u00e9c\u00e8s et quelle d\u00e9marche tu dois effectuer pour le d\u00e9clarer.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cela peut \u00eatre particuli\u00e8rement important si vous avez des enfants, un logement commun ou des finances communes.<\/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=\"%F0%9F%94%B8_Partir_a_letranger_avec_son_2eme_pilier\"><\/span><strong>\ud83d\udd38 Partir \u00e0 l\u2019\u00e9tranger avec son 2\u00e8me pilier<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Si tu envisages de quitter d\u00e9finitivement la Suisse avant l&#8217;\u00e2ge de la retraite, voici ce qu&#8217;il faut savoir sur le retrait de ton 2P.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--4\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\"><strong>Situation<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>Ce que tu peux g\u00e9n\u00e9ralement retirer<\/strong><\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>D\u00e9part vers un pays de l\u2019UE\/AELE<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">La <strong>part surobligatoire<\/strong> peut en principe \u00eatre vers\u00e9e. Globalement, cette part est estim\u00e9 \u00e0 10% du 2P.<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>D\u00e9part vers un pays hors UE\/AELE<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">L\u2019ensemble de l\u2019avoir peut en principe \u00eatre vers\u00e9, sous r\u00e9serve des conditions applicables.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u26a0\ufe0f <strong>Attention :<\/strong> il ne s\u2019agit pas d\u2019un pourcentage fixe. La part surobligatoire peut repr\u00e9senter une petite ou une grande partie de ton avoir total selon ta caisse et ton parcours professionnel.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ce qu&#8217;il faut retenir, c&#8217;est que si tu pars vivre dans un pays de l&#8217;Union europ\u00e9enne, tu ne pourras pas retirer la totalit\u00e9 du 2P, sauf une exception pour le moment&#8230;<\/p>\n\n\n\n<h4 class=\"wp-block-heading has-pale-cyan-blue-color has-text-color has-link-color wp-elements-24\"><strong>Et si tu pars dans l\u2019UE sans travailler ?<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">C\u2019est ici qu\u2019il y a une nuance importante.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si tu quittes d\u00e9finitivement la Suisse pour t\u2019installer dans un pays de l\u2019UE\/AELE et que tu prouves que <strong>ne <\/strong>travailles pas pendant un bon moment et que tu ne demandes pas l&#8217;aide de ton pays de r\u00e9sidence, tu peux, sous certaines conditions, <strong>demander le versement de l\u2019ensemble de ton avoir de pr\u00e9voyance, y compris la part obligatoire.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cette demande exige des conditions complexes. Et c&#8217;est possible que certaines caisses n&#8217;acceptent pas ce proc\u00e9d\u00e9. Mais \u00e0 retenir, c&#8217;est tout \u00e0 fait l\u00e9gal de faire cette demande.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sinon, sache que le retrait de ton 2P est imposable au moment du retrait. Renseigne-toi sur le montant de la taxe avant de faire ta demande.<\/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=\"%F0%9F%94%B8_Changer_demploi_noublie_pas_ton_avoir_de_sortie\"><\/span><strong>\ud83d\udd38 Changer d\u2019emploi : n\u2019oublie pas ton avoir de sortie !<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Lorsque tu changes d&#8217;employeur et que ta nouvelle entreprise poss\u00e8de une autre caisse de pension, ton avoir de sortie doit normalement \u00eatre <strong>transf\u00e9r\u00e9 vers la nouvelle caisse<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 <strong>Conseil :<\/strong> v\u00e9rifie que le transfert a bien \u00e9t\u00e9 effectu\u00e9.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">J&#8217;ai rencontr\u00e9 des gens qui ont oubli\u00e9 qu&#8217;ils avaient de l&#8217;argent dans une ancienne caisse de pension. C&#8217;est dommage, car c&#8217;est leur argent.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ne laisse donc pas ton ancien 2\u00e8me pilier \u00ab dispara\u00eetre \u00bb de ton radar lorsque tu changes d&#8217;emploi.<\/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=\"%F0%9F%94%B8_Ouvrir_son_entreprise_avec_son_2eme_pilier\"><\/span><strong>\ud83d\udd38 Ouvrir son entreprise avec son 2\u00e8me pilier<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Si tu quittes ton emploi pour devenir ind\u00e9pendant, tu peux, sous certaines conditions, demander le <strong>versement en esp\u00e8ces de ton avoir de pr\u00e9voyance<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Il faut notamment pouvoir d\u00e9montrer que tu as r\u00e9ellement commenc\u00e9 une activit\u00e9 ind\u00e9pendante.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u26a0\ufe0f <strong>Attention :<\/strong> utiliser son 2\u00e8me pilier pour financer son entreprise signifie aussi utiliser une partie de ton capital destin\u00e9 \u00e0 ta retraite.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-27\"><span class=\"ez-toc-section\" id=\"%F0%9F%94%B8_Lacunes_de_prevoyance_que_faire\"><\/span><strong>\ud83d\udd38 Lacunes de pr\u00e9voyance : que faire ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Selon ta situation, il est possible que tu aies un manque de pr\u00e9voyance. En termes simples, cela signifie que tu n&#8217;as pas cotis\u00e9 pendant une ou plusieurs ann\u00e9es, \u00e0 cause de par exemple, des \u00e9tudes \u00e0 un \u00e2ge avanc\u00e9, du ch\u00f4mage ou de cong\u00e9 sabbatique.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En v\u00e9rit\u00e9, si tu manques de pr\u00e9voyance avec ton 2P, ta caisse va te p\u00e9naliser financi\u00e8rement une fois senior.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour \u00e9viter ce cas, ta caisse te proposera un rachat de ton deuxi\u00e8me pilier.<\/p>\n\n\n\n<h4 class=\"wp-block-heading has-pale-cyan-blue-color has-text-color has-link-color wp-elements-28\"><strong>Pourquoi faire un rachat ?<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Un rachat peut permettre :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>d&#8217;augmenter ton avoir de pr\u00e9voyance <\/li>\n\n\n\n<li>d&#8217;am\u00e9liorer tes futures prestations de retraite <\/li>\n\n\n\n<li>mais aussi, de <strong>r\u00e9duire ton revenu imposable<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">En effet, effectuer un rachat peut \u00eatre int\u00e9ressant, car cela permet de r\u00e9duire les imp\u00f4ts. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cependant, \u00e0 mon avis, ces rachats ne sont int\u00e9ressants que lorsqu&#8217;on approche de la soixantaine d&#8217;ann\u00e9es, car avant, il vaut mieux investir dans un 3a global 100.<\/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-29\"><span class=\"ez-toc-section\" id=\"Comment_optimiser_son_2eme_pilier\"><\/span><strong>Comment optimiser son 2\u00e8me pilier ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Je vais justement \u00e9crire un article \u00e0 ce sujet, il sera disponible ici<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-vivid-red-background-color has-background\"><span class=\"ez-toc-section\" id=\"Resume_les_7_points_cles_a_retenir_concernant_le_2eme_pilier\"><\/span><strong>R\u00e9sum\u00e9 : les 7 points cl\u00e9s \u00e0 retenir concernant le 2\u00e8me pilier<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Le 2\u00e8me pilier compl\u00e8te l&#8217;AVS<\/strong> et joue un r\u00f4le important pour maintenir ton niveau de vie \u00e0 la retraite.<\/li>\n\n\n\n<li><strong>Ton employeur et toi cotisez \u00e0 la caisse de pension<\/strong>, selon les r\u00e8gles du r\u00e9gime de pr\u00e9voyance.<\/li>\n\n\n\n<li><strong>Si tu changes d&#8217;emploi, ton avoir de sortie doit suivre<\/strong> et \u00eatre transf\u00e9r\u00e9 vers la nouvelle caisse. Informe-toi si c&#8217;est le cas!<\/li>\n\n\n\n<li><strong>La retraite anticip\u00e9e est possible sous certaines conditions<\/strong>, mais les prestations peuvent alors g\u00e9n\u00e9ralement r\u00e9duites.<\/li>\n\n\n\n<li><strong>\u00c0 la retraite,<\/strong> tu peux selon les r\u00e8gles de ta caisse<strong> choisir entre rente, capital ou une combinaison des deux.<\/strong><\/li>\n\n\n\n<li><strong>La fiscalit\u00e9 peut avoir un impact important<\/strong> sur un retrait en capital, notamment selon ton canton de domicile.<\/li>\n\n\n\n<li><strong>Les rachats de 2\u00e8me pilier peuvent \u00eatre int\u00e9ressants<\/strong>, notamment pour augmenter ta pr\u00e9voyance et pour r\u00e9duire tes imp\u00f4ts, mais ils doivent \u00eatre \u00e9tudi\u00e9s au cas par cas.<\/li>\n<\/ol>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6af500fab07c0&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6af500fab07c0\" class=\"wp-block-image aligncenter size-large is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"843\" height=\"1264\" data-attachment-id=\"33082\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/2eme-pilier-bases-comprendre\/minimaliste-et-frugaliste-6a919ce5ec6ff\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a919ce5ec6ff.png?fit=843%2C1264&amp;ssl=1\" data-orig-size=\"843,1264\" data-comments-opened=\"1\" data-image-title=\"graphique &amp;#8211; l&amp;#8217;essentiel \u00e0 savoir sur son 2P en Suisse\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a919ce5ec6ff.png?fit=400%2C600&amp;ssl=1\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a919ce5ec6ff.png?resize=843%2C1264&#038;ssl=1\" alt=\"\" class=\"wp-image-33082\" style=\"aspect-ratio:0.6745362563237775;width:578px;height:auto\" title=\"graphique - l'essentiel \u00e0 savoir sur son 2P en Suisse\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a919ce5ec6ff.png?w=843&amp;ssl=1 843w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a919ce5ec6ff.png?resize=200%2C300&amp;ssl=1 200w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a919ce5ec6ff.png?resize=400%2C600&amp;ssl=1 400w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a919ce5ec6ff.png?resize=768%2C1152&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a919ce5ec6ff.png?resize=8%2C12&amp;ssl=1 8w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a919ce5ec6ff.png?resize=600%2C900&amp;ssl=1 600w\" sizes=\"auto, (max-width: 843px) 100vw, 843px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-30\"><span class=\"ez-toc-section\" id=\"Mon_conseil_final\"><\/span><strong>Mon conseil final<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><em>\u00ab Ne n\u00e9glige pas ton 2\u00e8me pilier ! \u00bb<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ton 2\u00e8me pilier repr\u00e9sente potentiellement <strong>des centaines de milliers de francs<\/strong> au cours de ta carri\u00e8re. Pourtant, beaucoup de personnes ne regardent presque jamais leur certificat de pr\u00e9voyance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Prends donc quelques minutes pour v\u00e9rifier :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>combien tu as d\u00e9j\u00e0 accumul\u00e9<\/strong> <\/li>\n\n\n\n<li><strong>combien toi et ton employeur cotisez<\/strong> <\/li>\n\n\n\n<li><strong>quelles prestations ta caisse pr\u00e9voit<\/strong> <\/li>\n\n\n\n<li><strong>ce qui se passerait en cas d&#8217;invalidit\u00e9 ou de d\u00e9c\u00e8s<\/strong> <\/li>\n\n\n\n<li>et <strong>combien tu pourrais recevoir \u00e0 la retraite<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Et si tu envisages un rachat, un d\u00e9part \u00e0 l&#8217;\u00e9tranger, un retrait anticip\u00e9 ou un changement de canton, prends le temps de comparer les cons\u00e9quences avant de prendre une d\u00e9cision.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 <strong>Ton 2\u00e8me pilier n&#8217;est pas simplement une retenue sur ton salaire : c&#8217;est une partie importante de ton patrimoine futur<\/strong> <em>\ud83d\ude09<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-vivid-red-background-color has-background\"><span class=\"ez-toc-section\" id=\"FAQ_2eme_pilier_en_Suisse_LPP_les_bases_a_comprendre\"><\/span>FAQ : 2\u00e8me pilier en Suisse (LPP), les bases \u00e0 comprendre<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-31\"><span class=\"ez-toc-section\" id=\"Quest-ce_que_le_2eme_pilier_en_Suisse\"><\/span><strong>Qu\u2019est-ce que le 2\u00e8me pilier en Suisse ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le <strong>2\u00e8me pilier<\/strong>, aussi appel\u00e9 <strong>LPP ou pr\u00e9voyance professionnelle<\/strong>, compl\u00e8te le 1er pilier (AVS) afin de contribuer au maintien du niveau de vie \u00e0 la retraite. En principe, les salari\u00e9s remplissant les conditions l\u00e9gales sont affili\u00e9s \u00e0 une caisse de pension, et <strong>l\u2019employeur ainsi que l\u2019employ\u00e9 participent au financement<\/strong>. Ainsi, le 2\u00e8me pilier constitue une partie importante de la pr\u00e9voyance en Suisse.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-32\"><span class=\"ez-toc-section\" id=\"A_quel_age_peut-on_retirer_son_2eme_pilier\"><\/span><strong>\u00c0 quel \u00e2ge peut-on retirer son 2\u00e8me pilier ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">En principe, une <strong>retraite anticip\u00e9e peut \u00eatre possible d\u00e8s 58 ans<\/strong>, selon le r\u00e8glement de la caisse de pension. Toutefois, une retraite avant l\u2019\u00e2ge de r\u00e9f\u00e9rence entra\u00eene g\u00e9n\u00e9ralement une <strong>r\u00e9duction des prestations<\/strong>, puisque tu cotises moins longtemps et que les modalit\u00e9s de conversion peuvent \u00eatre moins favorables. \u00c0 l\u2019inverse, certaines caisses permettent de poursuivre la pr\u00e9voyance jusqu\u2019\u00e0 70 ans si tu continues \u00e0 travailler.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-33\"><span class=\"ez-toc-section\" id=\"Peut-on_retirer_son_2eme_pilier_en_capital\"><\/span><strong>Peut-on retirer son 2\u00e8me pilier en capital ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Oui, il est possible de demander tout ou partie de son avoir de vieillesse sous forme de <strong>capital<\/strong>, mais les modalit\u00e9s d\u00e9pendent notamment du r\u00e8glement de ta caisse de pension. En effet, certaines caisses permettent un retrait partiel tandis que d\u2019autres appliquent des conditions sp\u00e9cifiques. De plus, le capital retir\u00e9 est <strong>impos\u00e9 s\u00e9par\u00e9ment des autres revenus<\/strong>, \u00e0 un taux privil\u00e9gi\u00e9.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-34\"><span class=\"ez-toc-section\" id=\"Que_devient_mon_2eme_pilier_si_je_change_demploi\"><\/span><strong>Que devient mon 2\u00e8me pilier si je change d\u2019emploi ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Lorsque tu changes d\u2019employeur, ton <strong>avoir de sortie<\/strong> doit normalement \u00eatre transf\u00e9r\u00e9 vers la caisse de pension de ton nouvel employeur. Ainsi, ton capital de pr\u00e9voyance continue \u00e0 \u00eatre investi dans le cadre de ta nouvelle caisse. Si aucun transfert vers une nouvelle caisse n\u2019est possible imm\u00e9diatement, ton avoir peut \u00eatre plac\u00e9 sur une <strong>solution de libre passage<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-35\"><span class=\"ez-toc-section\" id=\"Peut-on_retirer_son_2eme_pilier_pour_acheter_un_logement\"><\/span><strong>Peut-on retirer son 2\u00e8me pilier pour acheter un logement ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Oui, dans certaines conditions, il est possible d\u2019utiliser une partie de son 2\u00e8me pilier pour financer l\u2019<strong>accession \u00e0 la propri\u00e9t\u00e9 de son logement principal<\/strong>. Cependant, ce retrait anticip\u00e9 r\u00e9duit ton avoir de pr\u00e9voyance et peut donc diminuer tes futures prestations de retraite. Par cons\u00e9quent, il est important de comparer le b\u00e9n\u00e9fice imm\u00e9diat du retrait avec son impact \u00e0 long terme.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-36\"><span class=\"ez-toc-section\" id=\"Peut-on_retirer_son_2eme_pilier_en_quittant_la_Suisse\"><\/span><strong>Peut-on retirer son 2\u00e8me pilier en quittant la Suisse ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Oui, mais les r\u00e8gles d\u00e9pendent notamment du <strong>pays dans lequel tu t\u2019installes<\/strong>. En cas de d\u00e9part vers un pays de l\u2019UE ou de l\u2019AELE, la part obligatoire LPP reste g\u00e9n\u00e9ralement bloqu\u00e9e si tu es soumis au syst\u00e8me obligatoire de pr\u00e9voyance du pays d\u2019accueil, tandis que la part surobligatoire peut, sous certaines conditions, \u00eatre vers\u00e9e. En revanche, si tu n\u2019es pas soumis \u00e0 une assurance obligatoire dans ton nouveau pays, tu peux dans certains cas demander le versement de l\u2019ensemble de ton avoir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-37\"><span class=\"ez-toc-section\" id=\"Est-il_interessant_de_faire_un_rachat_de_2eme_pilier\"><\/span><strong>Est-il int\u00e9ressant de faire un rachat de 2\u00e8me pilier ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Un <strong>rachat de 2\u00e8me pilier<\/strong> peut \u00eatre int\u00e9ressant pour augmenter ton avoir de pr\u00e9voyance et, sous certaines conditions, b\u00e9n\u00e9ficier d\u2019une <strong>d\u00e9duction fiscale<\/strong>. Toutefois, cela d\u00e9pend notamment de ta situation fiscale, de ton plan de pr\u00e9voyance et de tes objectifs financiers. Par cons\u00e9quent, avant d\u2019effectuer un rachat important, il est pr\u00e9f\u00e9rable de v\u00e9rifier les conditions aupr\u00e8s de ta caisse de pension et de comparer les diff\u00e9rentes possibilit\u00e9s.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-light-green-cyan-color has-text-color has-link-color wp-elements-38\"><span class=\"ez-toc-section\" id=\"2eme_pilier_les_bases_a_comprendre\"><\/span>2\u00e8me pilier : les bases \u00e0 comprendre<span class=\"ez-toc-section-end\"><\/span><\/h2>\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=17965\" 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-39 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-40\"><strong>J&#8217;ai en effet d\u00e9cid\u00e9 de cr\u00e9er ce blog pour me d\u00e9velopper et aider les lecteurs qui recherchent une vie plus simple et plus \u00e9conome.<\/strong><\/h6>\n\n\n\n<p class=\"wp-block-paragraph\">Comparativement \u00e0 avant, j&#8217;\u00e9tais une personne qui consommais beaucoup <strong><span style=\"text-decoration: underline;\">jusqu&#8217;au jour o\u00f9 j&#8217;ai compris que ma consommation me rendais plus triste et plus pauvre<\/span><\/strong> \ud83d\ude11<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D\u00e9sormais, <strong><span style=\"text-decoration: underline;\">je privil\u00e9gie le minimum de mes besoins pour \u00eatre heureux et atteindre ma libert\u00e9 financi\u00e8re.<\/span><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sans me rendre compte, j<strong><span style=\"text-decoration: underline;\">&#8216;ai commenc\u00e9 \u00e0 privil\u00e9gier l&#8217;\u00e9pargne et les investissements pour d\u00e9pendre d&#8217;un patron le moins longtemps possible<\/span><\/strong> et pour acc\u00e9l\u00e9rer mes projets personnels.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Depuis quelques ann\u00e9es je me sens heureux et je m&#8217;enrichis d&#8217;une fa\u00e7on que j&#8217;aurai jamais imagin\u00e9 vu que j&#8217;ai un salaire moyen en Suisse.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C&#8217;est dans ce but que j&#8217;ai d\u00e9cid\u00e9 de cr\u00e9er ce blog. Afin de partager et apprendre avec d&#8217;autres personnes qui recherchent \u00e0 la libert\u00e9 et la simplicit\u00e9 \ud83d\ude09<\/p>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-light-green-cyan-color has-text-color\"><strong>Es-tu plut\u00f4t minimaliste ou frugaliste Jonny?<\/strong><\/h5>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><span style=\"text-decoration: underline;\">Je suis aussi bien minimaliste que frugaliste.<\/span><\/strong> Toutefois, il y a des situations o\u00f9 je me penche plus vers un art de vie.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour conclure, je pense que le plus important est se sentir confortable dans son art de vie \ud83d\ude0a<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-light-green-cyan-color has-text-color has-link-color wp-elements-41\"><span class=\"ez-toc-section\" id=\"2eme_pilier_les_bases_a_comprendre-2\"><\/span>2\u00e8me pilier : les bases \u00e0 comprendre<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"has-background-color has-text-color has-link-color wp-elements-42 wp-block-paragraph\">2\u00e8me pilier: Les bases \u00e0 comprendre <\/p>\n","protected":false},"excerpt":{"rendered":"<p>The second pillar in Switzerland, or LPP, is essential for maintaining your standard of living in retirement, as it supplements the AVS (Old-Age and Survivors&#039; Insurance). But that&#039;s not all. Discover the basics you need to understand about your second pillar.<\/p>","protected":false},"author":215552267,"featured_media":35457,"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":"En Suisse, il y a 3 piliers financiers. Dans cet article, nous allons nous concentrer sur le 2\u00e8me pilier. Voici 2\u00e8me pilier: Les bases \u00e0 comprendre \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":[728546151,728546152,728546154,728546146,728546153,728546149,728546147,728546158,728546145,728546156,728546148,728546157,728546150,728545086],"class_list":["post-17965","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investissement","tag-2eme-pilier-lpp","tag-2eme-pilier-suisse","tag-2e-pilier-retraite","tag-3-piliers-suisse","tag-caisse-de-pension-suisse","tag-capital-2eme-pilier","tag-fiscalite-2eme-pilier","tag-lpp-suisse","tag-pilier-2-suisse","tag-prevoyance-professionnelle-suisse","tag-rachat-2eme-pilier","tag-rente-2eme-pilier","tag-retrait-2eme-pilier","tag-retraite-suisse"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>2\u00e8me pilier: Les bases \u00e0 comprendre - Minimaliste et Frugaliste<\/title>\n<meta name=\"description\" content=\"En Suisse, il y a 3 piliers financiers. Voici un article afin de r\u00e9sumer. 2\u00e8me pilier: Les bases \u00e0 comprendre \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\/2nd-pillar-basics-understand\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"2\u00e8me pilier: Les bases \u00e0 comprendre - Minimaliste et Frugaliste\" \/>\n<meta property=\"og:description\" content=\"En Suisse, il y a 3 piliers financiers. Voici un article afin de r\u00e9sumer. 2\u00e8me pilier: Les bases \u00e0 comprendre \ud83d\ude09\" \/>\n<meta property=\"og:url\" content=\"https:\/\/minimalistefrugaliste.com\/en\/2nd-pillar-basics-understand\/\" \/>\n<meta property=\"og:site_name\" content=\"Minimaliste et Frugaliste\" \/>\n<meta property=\"article:published_time\" content=\"2026-08-30T08:18:14+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-09-23T08:10:26+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/09\/pochette-invest-2eme-pilier-bases-a-comprendre-600x400.png\" \/>\n\t<meta property=\"og:image:width\" content=\"600\" \/>\n\t<meta property=\"og:image:height\" content=\"400\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Minimaliste et Frugaliste\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@https:\/\/twitter.com\/MinimalFrugal\" \/>\n<meta name=\"twitter:site\" content=\"@MinimalFrugal\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Minimaliste et Frugaliste\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"19 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/2eme-pilier-bases-comprendre\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/2eme-pilier-bases-comprendre\\\/\"},\"author\":{\"name\":\"Minimaliste et Frugaliste\",\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/#\\\/schema\\\/person\\\/53bc683d7aaaffc590f5316600c765aa\"},\"headline\":\"2\u00e8me pilier: Les bases \u00e0 comprendre\",\"datePublished\":\"2026-08-30T08:18:14+00:00\",\"dateModified\":\"2026-09-23T08:10:26+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/2eme-pilier-bases-comprendre\\\/\"},\"wordCount\":3663,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/#\\\/schema\\\/person\\\/53bc683d7aaaffc590f5316600c765aa\"},\"image\":{\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/2eme-pilier-bases-comprendre\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/i0.wp.com\\\/minimalistefrugaliste.com\\\/wp-content\\\/uploads\\\/2026\\\/09\\\/pochette-invest-2eme-pilier-bases-a-comprendre.png?fit=1536%2C1024&ssl=1\",\"keywords\":[\"2\u00e8me pilier LPP\",\"2\u00e8me pilier Suisse\",\"2e pilier retraite\",\"3 piliers Suisse\",\"caisse de pension Suisse\",\"capital 2\u00e8me pilier\",\"fiscalit\u00e9 2\u00e8me pilier\",\"LPP Suisse\",\"pilier 2 Suisse\",\"pr\u00e9voyance professionnelle Suisse\",\"rachat 2\u00e8me pilier\",\"rente 2\u00e8me pilier\",\"retrait 2\u00e8me pilier\",\"retraite suisse\"],\"articleSection\":[\"Investissement\"],\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/minimalistefrugaliste.com\\\/2eme-pilier-bases-comprendre\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/2eme-pilier-bases-comprendre\\\/\",\"url\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/2eme-pilier-bases-comprendre\\\/\",\"name\":\"2\u00e8me pilier: Les bases \u00e0 comprendre - Minimaliste et Frugaliste\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/2eme-pilier-bases-comprendre\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/2eme-pilier-bases-comprendre\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/i0.wp.com\\\/minimalistefrugaliste.com\\\/wp-content\\\/uploads\\\/2026\\\/09\\\/pochette-invest-2eme-pilier-bases-a-comprendre.png?fit=1536%2C1024&ssl=1\",\"datePublished\":\"2026-08-30T08:18:14+00:00\",\"dateModified\":\"2026-09-23T08:10:26+00:00\",\"description\":\"En Suisse, il y a 3 piliers financiers. Voici un article afin de r\u00e9sumer. 2\u00e8me pilier: Les bases \u00e0 comprendre \ud83d\ude09\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/2eme-pilier-bases-comprendre\\\/#breadcrumb\"},\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/minimalistefrugaliste.com\\\/2eme-pilier-bases-comprendre\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/2eme-pilier-bases-comprendre\\\/#primaryimage\",\"url\":\"https:\\\/\\\/i0.wp.com\\\/minimalistefrugaliste.com\\\/wp-content\\\/uploads\\\/2026\\\/09\\\/pochette-invest-2eme-pilier-bases-a-comprendre.png?fit=1536%2C1024&ssl=1\",\"contentUrl\":\"https:\\\/\\\/i0.wp.com\\\/minimalistefrugaliste.com\\\/wp-content\\\/uploads\\\/2026\\\/09\\\/pochette-invest-2eme-pilier-bases-a-comprendre.png?fit=1536%2C1024&ssl=1\",\"width\":1536,\"height\":1024},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/2eme-pilier-bases-comprendre\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"2\u00e8me pilier: Les bases \u00e0 comprendre\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/#website\",\"url\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/\",\"name\":\"Minimaliste et Frugaliste\",\"description\":\"L&#039;essentiel, la simplicit\u00e9 et la libert\u00e9 financi\u00e8re\",\"publisher\":{\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/#\\\/schema\\\/person\\\/53bc683d7aaaffc590f5316600c765aa\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-GB\"},{\"@type\":[\"Person\",\"Organization\"],\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/#\\\/schema\\\/person\\\/53bc683d7aaaffc590f5316600c765aa\",\"name\":\"Minimaliste et Frugaliste\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\\\/\\\/i0.wp.com\\\/minimalistefrugaliste.com\\\/wp-content\\\/uploads\\\/2022\\\/01\\\/cropped-mf-1.png?fit=458%2C410&ssl=1\",\"url\":\"https:\\\/\\\/i0.wp.com\\\/minimalistefrugaliste.com\\\/wp-content\\\/uploads\\\/2022\\\/01\\\/cropped-mf-1.png?fit=458%2C410&ssl=1\",\"contentUrl\":\"https:\\\/\\\/i0.wp.com\\\/minimalistefrugaliste.com\\\/wp-content\\\/uploads\\\/2022\\\/01\\\/cropped-mf-1.png?fit=458%2C410&ssl=1\",\"width\":458,\"height\":410,\"caption\":\"Minimaliste et Frugaliste\"},\"logo\":{\"@id\":\"https:\\\/\\\/i0.wp.com\\\/minimalistefrugaliste.com\\\/wp-content\\\/uploads\\\/2022\\\/01\\\/cropped-mf-1.png?fit=458%2C410&ssl=1\"},\"description\":\"Toujours \u00e0 la recherche du plus simple possible et du moins cher possible. Afin d'\u00eatre le plus libre, le plus riche et le plus heureux possible. J'ai cr\u00e9\u00e9 ce blog avec le but d'aider d'autres personnes qui partagent ma philosophie. Simplicit\u00e9, l'essentiel et la libert\u00e9 financi\u00e8re.\",\"sameAs\":[\"http:\\\/\\\/minimalistefrugaliste.com\",\"https:\\\/\\\/x.com\\\/https:\\\/\\\/twitter.com\\\/MinimalFrugal\",\"https:\\\/\\\/www.youtube.com\\\/@minimalistefrugaliste\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"2nd pillar: The basics to understand - Minimalist and Frugalist","description":"In Switzerland, there are 3 financial pillars. Here is an article to summarize. 2nd pillar: The basics to understand \ud83d\ude09","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/minimalistefrugaliste.com\/en\/2nd-pillar-basics-understand\/","og_locale":"en_GB","og_type":"article","og_title":"2\u00e8me pilier: Les bases \u00e0 comprendre - Minimaliste et Frugaliste","og_description":"En Suisse, il y a 3 piliers financiers. Voici un article afin de r\u00e9sumer. 2\u00e8me pilier: Les bases \u00e0 comprendre \ud83d\ude09","og_url":"https:\/\/minimalistefrugaliste.com\/en\/2nd-pillar-basics-understand\/","og_site_name":"Minimaliste et Frugaliste","article_published_time":"2026-08-30T08:18:14+00:00","article_modified_time":"2026-09-23T08:10:26+00:00","og_image":[{"width":600,"height":400,"url":"https:\/\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/09\/pochette-invest-2eme-pilier-bases-a-comprendre-600x400.png","type":"image\/png"}],"author":"Minimaliste et Frugaliste","twitter_card":"summary_large_image","twitter_creator":"@https:\/\/twitter.com\/MinimalFrugal","twitter_site":"@MinimalFrugal","twitter_misc":{"Written by":"Minimaliste et Frugaliste","Estimated reading time":"19 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/minimalistefrugaliste.com\/2eme-pilier-bases-comprendre\/#article","isPartOf":{"@id":"https:\/\/minimalistefrugaliste.com\/2eme-pilier-bases-comprendre\/"},"author":{"name":"Minimaliste et Frugaliste","@id":"https:\/\/minimalistefrugaliste.com\/#\/schema\/person\/53bc683d7aaaffc590f5316600c765aa"},"headline":"2\u00e8me pilier: Les bases \u00e0 comprendre","datePublished":"2026-08-30T08:18:14+00:00","dateModified":"2026-09-23T08:10:26+00:00","mainEntityOfPage":{"@id":"https:\/\/minimalistefrugaliste.com\/2eme-pilier-bases-comprendre\/"},"wordCount":3663,"commentCount":0,"publisher":{"@id":"https:\/\/minimalistefrugaliste.com\/#\/schema\/person\/53bc683d7aaaffc590f5316600c765aa"},"image":{"@id":"https:\/\/minimalistefrugaliste.com\/2eme-pilier-bases-comprendre\/#primaryimage"},"thumbnailUrl":"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/09\/pochette-invest-2eme-pilier-bases-a-comprendre.png?fit=1536%2C1024&ssl=1","keywords":["2\u00e8me pilier LPP","2\u00e8me pilier Suisse","2e pilier retraite","3 piliers Suisse","caisse de pension Suisse","capital 2\u00e8me pilier","fiscalit\u00e9 2\u00e8me pilier","LPP Suisse","pilier 2 Suisse","pr\u00e9voyance professionnelle Suisse","rachat 2\u00e8me pilier","rente 2\u00e8me pilier","retrait 2\u00e8me pilier","retraite suisse"],"articleSection":["Investissement"],"inLanguage":"en-GB","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/minimalistefrugaliste.com\/2eme-pilier-bases-comprendre\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/minimalistefrugaliste.com\/2eme-pilier-bases-comprendre\/","url":"https:\/\/minimalistefrugaliste.com\/2eme-pilier-bases-comprendre\/","name":"2nd pillar: The basics to understand - Minimalist and Frugalist","isPartOf":{"@id":"https:\/\/minimalistefrugaliste.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/minimalistefrugaliste.com\/2eme-pilier-bases-comprendre\/#primaryimage"},"image":{"@id":"https:\/\/minimalistefrugaliste.com\/2eme-pilier-bases-comprendre\/#primaryimage"},"thumbnailUrl":"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/09\/pochette-invest-2eme-pilier-bases-a-comprendre.png?fit=1536%2C1024&ssl=1","datePublished":"2026-08-30T08:18:14+00:00","dateModified":"2026-09-23T08:10:26+00:00","description":"In Switzerland, there are 3 financial pillars. Here is an article to summarize. 2nd pillar: The basics to understand \ud83d\ude09","breadcrumb":{"@id":"https:\/\/minimalistefrugaliste.com\/2eme-pilier-bases-comprendre\/#breadcrumb"},"inLanguage":"en-GB","potentialAction":[{"@type":"ReadAction","target":["https:\/\/minimalistefrugaliste.com\/2eme-pilier-bases-comprendre\/"]}]},{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/minimalistefrugaliste.com\/2eme-pilier-bases-comprendre\/#primaryimage","url":"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/09\/pochette-invest-2eme-pilier-bases-a-comprendre.png?fit=1536%2C1024&ssl=1","contentUrl":"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/09\/pochette-invest-2eme-pilier-bases-a-comprendre.png?fit=1536%2C1024&ssl=1","width":1536,"height":1024},{"@type":"BreadcrumbList","@id":"https:\/\/minimalistefrugaliste.com\/2eme-pilier-bases-comprendre\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/minimalistefrugaliste.com\/"},{"@type":"ListItem","position":2,"name":"2\u00e8me pilier: Les bases \u00e0 comprendre"}]},{"@type":"WebSite","@id":"https:\/\/minimalistefrugaliste.com\/#website","url":"https:\/\/minimalistefrugaliste.com\/","name":"Minimalism and Frugalism","description":"Essentials, simplicity and financial freedom","publisher":{"@id":"https:\/\/minimalistefrugaliste.com\/#\/schema\/person\/53bc683d7aaaffc590f5316600c765aa"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/minimalistefrugaliste.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-GB"},{"@type":["Person","Organization"],"@id":"https:\/\/minimalistefrugaliste.com\/#\/schema\/person\/53bc683d7aaaffc590f5316600c765aa","name":"Minimalism and Frugalism","image":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2022\/01\/cropped-mf-1.png?fit=458%2C410&ssl=1","url":"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2022\/01\/cropped-mf-1.png?fit=458%2C410&ssl=1","contentUrl":"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2022\/01\/cropped-mf-1.png?fit=458%2C410&ssl=1","width":458,"height":410,"caption":"Minimaliste et Frugaliste"},"logo":{"@id":"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2022\/01\/cropped-mf-1.png?fit=458%2C410&ssl=1"},"description":"Always looking for the simplest possible and cheapest possible. In order to be as free, rich and happy as possible. I created this blog with the goal of helping other people who share my philosophy. Simplicity, the essentials and financial freedom.","sameAs":["http:\/\/minimalistefrugaliste.com","https:\/\/x.com\/https:\/\/twitter.com\/MinimalFrugal","https:\/\/www.youtube.com\/@minimalistefrugaliste"]}]}},"jetpack_publicize_connections":[],"jetpack_likes_enabled":true,"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/pdCI1c-4FL","jetpack-related-posts":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/09\/pochette-invest-2eme-pilier-bases-a-comprendre.png?fit=1536%2C1024&ssl=1","_links":{"self":[{"href":"https:\/\/minimalistefrugaliste.com\/en\/wp-json\/wp\/v2\/posts\/17965","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/minimalistefrugaliste.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/minimalistefrugaliste.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/minimalistefrugaliste.com\/en\/wp-json\/wp\/v2\/users\/215552267"}],"replies":[{"embeddable":true,"href":"https:\/\/minimalistefrugaliste.com\/en\/wp-json\/wp\/v2\/comments?post=17965"}],"version-history":[{"count":99,"href":"https:\/\/minimalistefrugaliste.com\/en\/wp-json\/wp\/v2\/posts\/17965\/revisions"}],"predecessor-version":[{"id":33107,"href":"https:\/\/minimalistefrugaliste.com\/en\/wp-json\/wp\/v2\/posts\/17965\/revisions\/33107"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/minimalistefrugaliste.com\/en\/wp-json\/wp\/v2\/media\/35457"}],"wp:attachment":[{"href":"https:\/\/minimalistefrugaliste.com\/en\/wp-json\/wp\/v2\/media?parent=17965"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/minimalistefrugaliste.com\/en\/wp-json\/wp\/v2\/categories?post=17965"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/minimalistefrugaliste.com\/en\/wp-json\/wp\/v2\/tags?post=17965"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}