{"id":24531,"date":"2025-12-03T10:01:23","date_gmt":"2025-12-03T09:01:23","guid":{"rendered":"https:\/\/minimalistefrugaliste.com\/?p=24531"},"modified":"2026-05-22T10:21:34","modified_gmt":"2026-05-22T08:21:34","slug":"neon-3a-simple-and-modern-swiss-pension-planning","status":"publish","type":"post","link":"https:\/\/minimalistefrugaliste.com\/en\/neon-3a-la-prevoyance-suisse-simple-et-moderne\/","title":{"rendered":"Neon 3a: Simple and modern Swiss retirement planning"},"content":{"rendered":"\n<p class=\"has-text-align-center has-text-color has-link-color wp-elements-383b7aec94355c54bb4c2f14e423bc0b wp-block-paragraph\" style=\"color:#b4f7dc\"><strong>Neon 3a s\u2019impose comme l\u2019une des meilleures solutions de pr\u00e9voyance 3a en Suisse gr\u00e2ce \u00e0 son approche moderne, transparente et \u00e0 son excellent rapport rendement\/frais. Dans cet article, Neon 3a : La pr\u00e9voyance suisse simple et moderne<\/strong>,<strong> je te pr\u00e9sente un r\u00e9sum\u00e9 rapide et mon avis sur Neon 3a.<\/strong><\/p><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 ez-toc-wrap-center counter-flat ez-toc-counter ez-toc-black ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table des mati\u00e8res<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #eeee22;color:#eeee22\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #eeee22;color:#eeee22\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/minimalistefrugaliste.com\/en\/neon-3a-la-prevoyance-suisse-simple-et-moderne\/#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\/neon-3a-la-prevoyance-suisse-simple-et-moderne\/#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\/neon-3a-la-prevoyance-suisse-simple-et-moderne\/#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\/neon-3a-la-prevoyance-suisse-simple-et-moderne\/#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\/neon-3a-la-prevoyance-suisse-simple-et-moderne\/#Pourquoi_detenir_un_compte_3a\" >Pourquoi d\u00e9tenir un compte 3a?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/minimalistefrugaliste.com\/en\/neon-3a-la-prevoyance-suisse-simple-et-moderne\/#Neon_3a_en_bref\" >Neon 3a en bref<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/minimalistefrugaliste.com\/en\/neon-3a-la-prevoyance-suisse-simple-et-moderne\/#Neon_3a_La_prevoyance_suisse_simple_et_moderne\" >Neon 3a : La pr\u00e9voyance suisse simple et moderne<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/minimalistefrugaliste.com\/en\/neon-3a-la-prevoyance-suisse-simple-et-moderne\/#Commissions_annuelles_frais_de_gestion\" >Commissions annuelles (frais de gestion)<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/minimalistefrugaliste.com\/en\/neon-3a-la-prevoyance-suisse-simple-et-moderne\/#Les_frais_indirectes\" >Les frais indirectes<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/minimalistefrugaliste.com\/en\/neon-3a-la-prevoyance-suisse-simple-et-moderne\/#La_strategie_dinvestissement\" >La strat\u00e9gie d&#8217;investissement<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/minimalistefrugaliste.com\/en\/neon-3a-la-prevoyance-suisse-simple-et-moderne\/#La_pourcentage_dinvestissement_a_letranger\" >La pourcentage d&#8217;investissement \u00e0 l&#8217;\u00e9tranger<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/minimalistefrugaliste.com\/en\/neon-3a-la-prevoyance-suisse-simple-et-moderne\/#Le_choix_dinvestissement\" >Le choix d&#8217;investissement<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/minimalistefrugaliste.com\/en\/neon-3a-la-prevoyance-suisse-simple-et-moderne\/#Le_rendement_dinvestissement\" >Le rendement d&#8217;investissement<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/minimalistefrugaliste.com\/en\/neon-3a-la-prevoyance-suisse-simple-et-moderne\/#La_securite_du_3a\" >La s\u00e9curit\u00e9 du 3a<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/minimalistefrugaliste.com\/en\/neon-3a-la-prevoyance-suisse-simple-et-moderne\/#La_nombre_de_portefeuilles_possibles_a_detenir\" >La nombre de portefeuilles possibles \u00e0 d\u00e9tenir?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/minimalistefrugaliste.com\/en\/neon-3a-la-prevoyance-suisse-simple-et-moderne\/#La_simplicite_dutilisation\" >La simplicit\u00e9 d&#8217;utilisation<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/minimalistefrugaliste.com\/en\/neon-3a-la-prevoyance-suisse-simple-et-moderne\/#Le_service_client\" >Le service client<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/minimalistefrugaliste.com\/en\/neon-3a-la-prevoyance-suisse-simple-et-moderne\/#Conclusion_Neon_3a\" >Conclusion Neon 3a<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/minimalistefrugaliste.com\/en\/neon-3a-la-prevoyance-suisse-simple-et-moderne\/#Neon_3a_VS_autres_comptes_3a\" >Neon 3a VS autres comptes 3a<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n\n<div data-wp-context=\"{&quot;notices&quot;:[],&quot;hideNextPreviousButtons&quot;:false,&quot;isDisabledPrevious&quot;:true,&quot;isDisabledNext&quot;:false,&quot;ariaLabelPrevious&quot;:&quot;Previous products&quot;,&quot;ariaLabelNext&quot;:&quot;Next products&quot;,&quot;collection&quot;:&quot;woocommerce\\\/product-collection\\\/hand-picked&quot;}\" data-wp-init=\"callbacks.onRender\" data-wp-interactive=\"woocommerce\/product-collection\" data-wp-router-region=\"wc-product-collection-0\" data-__private-preview-state=\"{&quot;isPreview&quot;:false,&quot;previewMessage&quot;:&quot;Les produits d\\u00e9pendront de la page consult\\u00e9e.&quot;}\" 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\">\t\t<div data-wp-interactive=\"woocommerce\/store-notices\" class=\"wc-block-components-notices alignwide\">\n\t\t\t<template data-wp-each--notice=\"state.notices\" data-wp-each-key=\"context.notice.id\">\n\t\t\t\t<div\n\t\t\t\t\tclass=\"wc-block-components-notice-banner\"\n\t\t\t\t\tdata-wp-init=\"callbacks.scrollIntoView\"\n\t\t\t\t\tdata-wp-class--is-error=\"state.isError\"\n\t\t\t\t\tdata-wp-class--is-success=\"state.isSuccess\"\n\t\t\t\t\tdata-wp-class--is-info=\"state.isInfo\"\n\t\t\t\t\tdata-wp-class--is-dismissible=\"context.notice.dismissible\"\n\t\t\t\t\tdata-wp-bind--role=\"state.role\"\n\t\t\t\t\tdata-wp-watch=\"callbacks.injectIcon\"\n\t\t\t\t>\n\t\t\t\t\t<div class=\"wc-block-components-notice-banner__content\">\n\t\t\t\t\t\t<span data-wp-init=\"callbacks.renderNoticeContent\" aria-live=\"assertive\" aria-atomic=\"true\"><\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<button\n\t\t\t\t\t\tdata-wp-bind--hidden=\"!context.notice.dismissible\"\n\t\t\t\t\t\tclass=\"wc-block-components-button wp-element-button wc-block-components-notice-banner__dismiss contained\"\n\t\t\t\t\t\taria-label=\"Dismiss this notice\"\n\t\t\t\t\t\tdata-wp-on--click=\"actions.removeNotice\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\">\n\t\t\t\t\t\t\t<path d=\"M13 11.8l6.1-6.3-1-1-6.1 6.2-6.1-6.2-1 1 6.1 6.3-6.5 6.7 1 1 6.5-6.6 6.5 6.6 1-1z\" \/>\n\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t<\/template>\n\t\t<\/div>\n\t\t\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-auto wp-block-woocommerce-product-image\"><a href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/50-astuces-pour-economiser-en-suisse\/\" style=\"\" data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\"><img decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=300%2C300&amp;ssl=1\" class=\"attachment-woocommerce_thumbnail size-woocommerce_thumbnail\" alt=\"Livre E-book - 50 astuces pour \u00e9conomiser en Suisse\" data-testid=\"product-image\" data-image-id=\"26088\" style=\"object-fit:cover;\" loading=\"lazy\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=100%2C100&amp;ssl=1 100w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?zoom=2&amp;resize=300%2C300&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?zoom=3&amp;resize=300%2C300&amp;ssl=1 900w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" data-attachment-id=\"26088\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/?attachment_id=26088\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?fit=1409%2C2000&amp;ssl=1\" data-orig-size=\"1409,2000\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"1\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?fit=423%2C600&amp;ssl=1\" \/><div class=\"wc-block-components-product-image__inner-container\">\n\n<\/div><\/a><\/div>\n\n<h2 style=\"line-height:1.4;margin-bottom:0.75rem;margin-top:0\" class=\"wp-block-post-title has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Livre_E-book_%E2%80%93_50_astuces_pour_economiser_en_Suisse\"><\/span><a data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\" href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/50-astuces-pour-economiser-en-suisse\/\" target=\"_self\" >Livre E-book &#8211; 50 astuces pour \u00e9conomiser en Suisse<\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div data-block-name=\"woocommerce\/product-price\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"has-font-size has-small-font-size has-text-align-center wp-block-woocommerce-product-price\" ><div class=\"wc-block-components-product-price wc-block-grid__product-price\" >\n\t\t\t\t\t<span class=\"woocommerce-Price-amount amount\"><bdi><span class=\"woocommerce-Price-currencySymbol\" translate=\"no\">&#67;&#72;&#70;<\/span>&nbsp;15.00<\/bdi><\/span>\n\t\t\t\t<\/div><\/div>\n\n<div data-block-name=\"woocommerce\/product-button\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-button wc-block-components-product-button align-center wp-block-woocommerce-product-button has-small-font-size\"\n\t\t\t\t\t\n\t\t\tdata-wp-interactive=\"woocommerce\/product-button\"\n\t\t\n\t\t\t\t\tdata-wp-context='{\"quantityToAdd\":1,\"addToCartText\":\"Add to basket\",\"tempQuantity\":0,\"animationStatus\":\"IDLE\",\"inTheCartText\":\"### in basket\",\"noticeId\":\"\",\"hasPressedButton\":false}'\n\t\t\t\t>\n\t\t\t\t\t<button\n\t\t\t\t\t\tclass=\"wp-block-button__link wp-element-button wc-block-components-product-button__button add_to_cart_button ajax_add_to_cart product_type_simple has-font-size has-small-font-size has-text-align-center wc-interactive\"\n\t\t\t\t\t\tstyle=\"\"\n\t\t\t\t\t\ttype=\"button\" data-product_id=\"26085\" data-product_sku=\"\" aria-label=\"Add to basket: &ldquo;Livre E-book - 50 astuces pour \u00e9conomiser en Suisse&rdquo;\"\n\t\t\t\t\t\tdata-wp-on--click=\"actions.addCartItem\"\n\t\t\t\t\t>\n\t\t\t\t\t<span \n\t\t\tdata-wp-text=\"state.addToCartText\"\n\t\t\tdata-wp-class--wc-block-slide-in=\"state.slideInAnimation\"\n\t\t\tdata-wp-class--wc-block-slide-out=\"state.slideOutAnimation\"\n\t\t\tdata-wp-on--animationend=\"actions.handleAnimationEnd\"\n\t\t\tdata-wp-watch=\"callbacks.startAnimation\"\n\t\t\tdata-wp-run=\"callbacks.syncTempQuantityOnLoad\"\n\t\t>Add to basket<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<span\n\t\t\t\thidden\n\t\t\t\tdata-wp-bind--hidden=\"!state.displayViewCart\"\n\t\t\t>\n\t\t\t\t<a\n\t\t\t\t\thref=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\"\n\t\t\t\t\tclass=\"added_to_cart wc_forward\"\n\t\t\t\t\ttitle=\"View basket\"\n\t\t\t\t>\n\t\t\t\t\tView basket\n\t\t\t\t<\/a>\n\t\t\t<\/span>\n\t\t\t\t<\/div>\n\n\t\t\t\t<\/li><li class=\"wc-block-product post-26112 product type-product status-publish has-post-thumbnail product_tag-guide-complet-investissement product_tag-livre-finances-personnelles product_tag-livre-investissement product_tag-livre-investissement-boursier product_tag-livre-liberte-financiere product_tag-livre-sp-500  instock downloadable virtual purchasable product-type-simple\"\n\t\t\t\t\t\n\t\t\t\tdata-wp-interactive=\"woocommerce\/product-collection\"\n\t\t\t\tdata-wp-context='woocommerce\/products::{\"productId\":26112,\"variationId\":null}'\n\t\t\t\tdata-wp-key=\"product-item-26112\"\n\t\t\t\n\t\t\t\t>\n\t\t\t\t\t\n<div data-block-name=\"woocommerce\/product-image\" data-image-sizing=\"thumbnail\" data-is-descendent-of-query-loop=\"true\" data-show-sale-badge=\"false\" class=\"wc-block-components-product-image wc-block-grid__product-image wc-block-components-product-image--aspect-ratio-auto wp-block-woocommerce-product-image\"><a href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/financer-investir-son-avenir-mode-emploi\/\" style=\"\" data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\"><img decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=300%2C300&amp;ssl=1\" class=\"attachment-woocommerce_thumbnail size-woocommerce_thumbnail\" 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;\" loading=\"lazy\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=100%2C100&amp;ssl=1 100w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" data-attachment-id=\"26114\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/?attachment_id=26114\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?fit=512%2C800&amp;ssl=1\" data-orig-size=\"512,800\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"1\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?fit=384%2C600&amp;ssl=1\" \/><div class=\"wc-block-components-product-image__inner-container\">\n\n<\/div><\/a><\/div>\n\n<h2 style=\"line-height:1.4;margin-bottom:0.75rem;margin-top:0\" class=\"wp-block-post-title has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Livre_E-book_%E2%80%93_Financer_son_avenir_avec_la_bourse_%E2%80%93_mode_demploi\"><\/span><a data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\" href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/financer-investir-son-avenir-mode-emploi\/\" target=\"_self\" >Livre E-book &#8211; Financer son avenir avec la bourse &#8211; mode d&#8217;emploi<\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div data-block-name=\"woocommerce\/product-price\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"has-font-size has-small-font-size has-text-align-center wp-block-woocommerce-product-price\" ><div class=\"wc-block-components-product-price wc-block-grid__product-price\" >\n\t\t\t\t\t<span class=\"woocommerce-Price-amount amount\"><bdi><span class=\"woocommerce-Price-currencySymbol\" translate=\"no\">&#67;&#72;&#70;<\/span>&nbsp;15.00<\/bdi><\/span>\n\t\t\t\t<\/div><\/div>\n\n<div data-block-name=\"woocommerce\/product-button\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-button wc-block-components-product-button align-center wp-block-woocommerce-product-button has-small-font-size\"\n\t\t\t\t\t\n\t\t\tdata-wp-interactive=\"woocommerce\/product-button\"\n\t\t\n\t\t\t\t\tdata-wp-context='{\"quantityToAdd\":1,\"addToCartText\":\"Add to basket\",\"tempQuantity\":0,\"animationStatus\":\"IDLE\",\"inTheCartText\":\"### in basket\",\"noticeId\":\"\",\"hasPressedButton\":false}'\n\t\t\t\t>\n\t\t\t\t\t<button\n\t\t\t\t\t\tclass=\"wp-block-button__link wp-element-button wc-block-components-product-button__button add_to_cart_button ajax_add_to_cart product_type_simple has-font-size has-small-font-size has-text-align-center wc-interactive\"\n\t\t\t\t\t\tstyle=\"\"\n\t\t\t\t\t\ttype=\"button\" data-product_id=\"26112\" data-product_sku=\"\" aria-label=\"Add to basket: &ldquo;Livre E-book - Financer son avenir avec la bourse - mode d&#039;emploi&rdquo;\"\n\t\t\t\t\t\tdata-wp-on--click=\"actions.addCartItem\"\n\t\t\t\t\t>\n\t\t\t\t\t<span \n\t\t\tdata-wp-text=\"state.addToCartText\"\n\t\t\tdata-wp-class--wc-block-slide-in=\"state.slideInAnimation\"\n\t\t\tdata-wp-class--wc-block-slide-out=\"state.slideOutAnimation\"\n\t\t\tdata-wp-on--animationend=\"actions.handleAnimationEnd\"\n\t\t\tdata-wp-watch=\"callbacks.startAnimation\"\n\t\t\tdata-wp-run=\"callbacks.syncTempQuantityOnLoad\"\n\t\t>Add to basket<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<span\n\t\t\t\thidden\n\t\t\t\tdata-wp-bind--hidden=\"!state.displayViewCart\"\n\t\t\t>\n\t\t\t\t<a\n\t\t\t\t\thref=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\"\n\t\t\t\t\tclass=\"added_to_cart wc_forward\"\n\t\t\t\t\ttitle=\"View basket\"\n\t\t\t\t>\n\t\t\t\t\tView basket\n\t\t\t\t<\/a>\n\t\t\t<\/span>\n\t\t\t\t<\/div>\n\n\t\t\t\t<\/li><li class=\"wc-block-product post-26137 product type-product status-publish has-post-thumbnail product_tag-anti-surconsommation product_tag-autodiscipline product_tag-autonomie product_tag-ecologie product_tag-economie product_tag-epargne product_tag-bien-etre product_tag-bonheur product_tag-bonheur-durable product_tag-consommation-consciente product_tag-desencombrement product_tag-developpement-personnel product_tag-essentialisme product_tag-frugalite product_tag-liberte-financiere product_tag-minimalisme product_tag-mode-de-vie-alternatif product_tag-moins-mais-mieux product_tag-simplicite-volontaire product_tag-slow-living product_tag-sobriete-heureuse product_tag-vie-simple  instock downloadable shipping-taxable purchasable product-type-simple\"\n\t\t\t\t\t\n\t\t\t\tdata-wp-interactive=\"woocommerce\/product-collection\"\n\t\t\t\tdata-wp-context='woocommerce\/products::{\"productId\":26137,\"variationId\":null}'\n\t\t\t\tdata-wp-key=\"product-item-26137\"\n\t\t\t\n\t\t\t\t>\n\t\t\t\t\t\n<div data-block-name=\"woocommerce\/product-image\" data-image-sizing=\"thumbnail\" data-is-descendent-of-query-loop=\"true\" data-show-sale-badge=\"false\" class=\"wc-block-components-product-image wc-block-grid__product-image wc-block-components-product-image--aspect-ratio-auto wp-block-woocommerce-product-image\"><a href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/libere-toi-de-la-surconsommation\/\" style=\"\" data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\"><img decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=300%2C300&amp;ssl=1\" class=\"attachment-woocommerce_thumbnail size-woocommerce_thumbnail\" alt=\"Guide E-book - Lib\u00e8re-toi de la surconsommation\" data-testid=\"product-image\" data-image-id=\"26138\" style=\"object-fit:cover;\" loading=\"lazy\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=100%2C100&amp;ssl=1 100w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?zoom=2&amp;resize=300%2C300&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?zoom=3&amp;resize=300%2C300&amp;ssl=1 900w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" data-attachment-id=\"26138\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/?attachment_id=26138\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?fit=1410%2C2250&amp;ssl=1\" data-orig-size=\"1410,2250\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;1&quot;,&quot;alt&quot;:&quot;&quot;}\" data-image-title=\"pochette lib\u00e8re-toi de la surconsommation\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?fit=376%2C600&amp;ssl=1\" \/><div class=\"wc-block-components-product-image__inner-container\">\n\n<\/div><\/a><\/div>\n\n<h2 style=\"line-height:1.4;margin-bottom:0.75rem;margin-top:0\" class=\"wp-block-post-title has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Guide_E-book_%E2%80%93_Libere-toi_de_la_surconsommation\"><\/span><a data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\" href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/libere-toi-de-la-surconsommation\/\" target=\"_self\" >Guide E-book &#8211; Lib\u00e8re-toi de la surconsommation<\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div data-block-name=\"woocommerce\/product-price\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"has-font-size has-small-font-size has-text-align-center wp-block-woocommerce-product-price\" ><div class=\"wc-block-components-product-price wc-block-grid__product-price\" >\n\t\t\t\t\t<span class=\"woocommerce-Price-amount amount\"><bdi><span class=\"woocommerce-Price-currencySymbol\" translate=\"no\">&#67;&#72;&#70;<\/span>&nbsp;10.00<\/bdi><\/span>\n\t\t\t\t<\/div><\/div>\n\n<div data-block-name=\"woocommerce\/product-button\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-button wc-block-components-product-button align-center wp-block-woocommerce-product-button has-small-font-size\"\n\t\t\t\t\t\n\t\t\tdata-wp-interactive=\"woocommerce\/product-button\"\n\t\t\n\t\t\t\t\tdata-wp-context='{\"quantityToAdd\":1,\"addToCartText\":\"Add to basket\",\"tempQuantity\":0,\"animationStatus\":\"IDLE\",\"inTheCartText\":\"### in basket\",\"noticeId\":\"\",\"hasPressedButton\":false}'\n\t\t\t\t>\n\t\t\t\t\t<button\n\t\t\t\t\t\tclass=\"wp-block-button__link wp-element-button wc-block-components-product-button__button add_to_cart_button ajax_add_to_cart product_type_simple has-font-size has-small-font-size has-text-align-center wc-interactive\"\n\t\t\t\t\t\tstyle=\"\"\n\t\t\t\t\t\ttype=\"button\" data-product_id=\"26137\" data-product_sku=\"\" aria-label=\"Add to basket: &ldquo;Guide E-book - Lib\u00e8re-toi de la surconsommation&rdquo;\"\n\t\t\t\t\t\tdata-wp-on--click=\"actions.addCartItem\"\n\t\t\t\t\t>\n\t\t\t\t\t<span \n\t\t\tdata-wp-text=\"state.addToCartText\"\n\t\t\tdata-wp-class--wc-block-slide-in=\"state.slideInAnimation\"\n\t\t\tdata-wp-class--wc-block-slide-out=\"state.slideOutAnimation\"\n\t\t\tdata-wp-on--animationend=\"actions.handleAnimationEnd\"\n\t\t\tdata-wp-watch=\"callbacks.startAnimation\"\n\t\t\tdata-wp-run=\"callbacks.syncTempQuantityOnLoad\"\n\t\t>Add to basket<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<span\n\t\t\t\thidden\n\t\t\t\tdata-wp-bind--hidden=\"!state.displayViewCart\"\n\t\t\t>\n\t\t\t\t<a\n\t\t\t\t\thref=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\"\n\t\t\t\t\tclass=\"added_to_cart wc_forward\"\n\t\t\t\t\ttitle=\"View basket\"\n\t\t\t\t>\n\t\t\t\t\tView basket\n\t\t\t\t<\/a>\n\t\t\t<\/span>\n\t\t\t\t<\/div>\n\n\t\t\t\t<\/li><\/ul>\n\n<\/div>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--1\" style=\"font-size:0.9rem\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\"><\/th><th class=\"has-text-align-center\" data-align=\"center\"><\/th><th class=\"has-text-align-center\" data-align=\"center\">Ponctuation sur 10<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Commissions (frais de gestion)<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.39 &#8211; 0.45%<\/td><td class=\"has-text-align-center\" data-align=\"center\">8.5 \/ 10<br>(commissions l\u00e9g\u00e8rement plus \u00e9lev\u00e9es que Viac et Finpension)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Frais indirectes<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tr\u00e8s peu de frais indirectes<\/td><td class=\"has-text-align-center\" data-align=\"center\">9.5 \/ 10<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Rendement pass\u00e9<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tr\u00e8s bon pour un compte 3a<\/td><td class=\"has-text-align-center\" data-align=\"center\">8.5 \/ 10<br>(transparence du rendement r\u00e9el est \u00e0 am\u00e9liorer de la part de Neon)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Choix des strat\u00e9gies<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tr\u00e8s vari\u00e9<\/td><td class=\"has-text-align-center\" data-align=\"center\">9 \/ 10<br>(manque l&#8217;option choix personnalis\u00e9)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Possibilit\u00e9 d&#8217;investir \u00e0 99% en bourse sur global 100<\/td><td class=\"has-text-align-center\" data-align=\"center\">Oui<\/td><td class=\"has-text-align-center\" data-align=\"center\">10 \/ 10<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Pourcentage d&#8217;investissement en Suisse &amp; Pourcentage d&#8217;investissement \u00e0 l&#8217;\u00e9tranger<\/td><td class=\"has-text-align-center\" data-align=\"center\">89% &#8211; \u00e9tranger<br>10% &#8211; Suisse<br><\/td><td class=\"has-text-align-center\" data-align=\"center\">8.5 \/ 10<br>(Le pourcentage investi en Suisse est trop faible)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Simplicit\u00e9 d&#8217;utilisation<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tr\u00e8s simple<\/td><td class=\"has-text-align-center\" data-align=\"center\">10 \/ 10<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Nombre de portefeuille maximal que le client peut d\u00e9tenir<\/td><td class=\"has-text-align-center\" data-align=\"center\">5<\/td><td class=\"has-text-align-center\" data-align=\"center\">9.5 \/ 10<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">S\u00e9curit\u00e9 du 3a<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tr\u00e8s bonne<\/td><td class=\"has-text-align-center\" data-align=\"center\">9.5 \/ 10<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Service client<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tr\u00e8s bon<\/td><td class=\"has-text-align-center\" data-align=\"center\">9.5 \/ 10<\/td><\/tr><\/tbody><tfoot><tr><td class=\"has-text-align-center\" data-align=\"center\"><\/td><td class=\"has-text-align-center\" data-align=\"center\"><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#eed792\" class=\"has-inline-color\">9.25 \/ 10<\/mark><\/strong><\/td><\/tr><\/tfoot><\/table><\/figure>\n\n\n\n<h5 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-ee68bfbb374c94caa85a5e3711c1d070\"><span class=\"ez-toc-section\" id=\"Pourquoi_detenir_un_compte_3a\"><\/span><strong>Pourquoi d\u00e9tenir un compte 3a?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Un compte 3a est un compte de pr\u00e9voyance qui donne des avantages fiscaux.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">En effet, si une personne r\u00e9side en Suisse et qu&#8217;elle ajoute de l&#8217;argent sur son compte 3a, elle pourra r\u00e9duire un pourcentage de ses imp\u00f4ts.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Notons que dans certains cas, la r\u00e9duction d&#8217;imp\u00f4ts peut \u00eatre optimis\u00e9 avec plusieurs milliers de CHF chaque ann\u00e9e. Par contre, \u00e0 noter que chaque situation fiscale est diff\u00e9rente et chaque optimisation fiscale est personnelle.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Il est \u00e0 noter que, bien qu&#8217;ajouter de l&#8217;argent dans un compte 3a puisse r\u00e9duire les imp\u00f4ts, le compte 3a ne peut \u00eatre retir\u00e9 que pour quatre occasions :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Acheter son logement principal<\/li>\n\n\n\n<li>D\u00e9part d\u00e9finitif \u00e0 l&#8217;\u00e9tranger<\/li>\n\n\n\n<li>Cr\u00e9er son entreprise en Suisse<\/li>\n\n\n\n<li>D\u00e9part \u00e0 la retraite avec un \u00e2ge avanc\u00e9<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Par contre, la question est quel compte 3a choisir? Analysons ensemble le compte Neon 3a \ud83d\ude0a<\/p>\n\n\n\n<h5 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-c21dc00bc045e765d931b0082d9cd0e0\"><span class=\"ez-toc-section\" id=\"Neon_3a_en_bref\"><\/span><strong>Neon 3a en bref<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Neon est \u00e0 l&#8217;origine un compte bancaire suisse depuis 2019. Cependant, depuis 2023, Neon a cr\u00e9\u00e9 Neon Invest qui permet aux clients Neon d&#8217;investir leur argent. <\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Depuis fin 2025, Neon a cr\u00e9\u00e9 Neon 3a pour les clients Neon qui souhaitent d\u00e9tenir un compte 3a.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Dans ce blog, j&#8217;ai souvent \u00e9crit concernant Viac 3a et Finpension 3a. Cependant, je consid\u00e8re Neon 3a comme un concurrent s\u00e9rieux !<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Sans tarder, analysons ensemble, les principales caract\u00e9ristiques de Neon 3a<sup><a href=\"https:\/\/www.neon-free.ch\/fr\/saeule3a\" target=\"_blank\" rel=\"noreferrer noopener\">1<\/a><\/sup> \ud83d\ude0a<\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a579d05319da&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a579d05319da\" class=\"wp-block-image aligncenter size-full wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"85\" height=\"88\" data-attachment-id=\"25283\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/neon-3a-la-prevoyance-suisse-simple-et-moderne\/neon-logo\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/neon-logo.png?fit=85%2C88&amp;ssl=1\" data-orig-size=\"85,88\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"neon logo\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/neon-logo.png?fit=85%2C88&amp;ssl=1\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/neon-logo.png?resize=85%2C88&#038;ssl=1\" alt=\"Neon 3a : La pr\u00e9voyance suisse simple et moderne\" class=\"wp-image-25283\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/neon-logo.png?w=85&amp;ssl=1 85w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/neon-logo.png?resize=12%2C12&amp;ssl=1 12w\" sizes=\"auto, (max-width: 85px) 100vw, 85px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-light-green-cyan-color has-text-color has-link-color wp-elements-b271ce5af94810b7e46613490b5f5e42\"><span class=\"ez-toc-section\" id=\"Neon_3a_La_prevoyance_suisse_simple_et_moderne\"><\/span><strong>Neon 3a : La pr\u00e9voyance suisse simple et moderne<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h5 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-e091f2d4092c85aeda0b5538a08f7e3b\"><span class=\"ez-toc-section\" id=\"Commissions_annuelles_frais_de_gestion\"><\/span>Commissions annuelles (frais de gestion)<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a579d0532cb6&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a579d0532cb6\" class=\"wp-block-image aligncenter size-large is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"378\" data-attachment-id=\"25245\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/finpension-3a-simple-rentable-frais-acceptables\/pexels-photo-34975557\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-34975557.jpeg?fit=1880%2C1185&amp;ssl=1\" data-orig-size=\"1880,1185\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;Photo by Jakub Zerdzicki on &lt;a href=\\&quot;https:\/\/www.pexels.com\/photo\/counting-currency-in-a-leather-wallet-34975557\/\\&quot; rel=\\&quot;nofollow\\&quot;&gt;Pexels.com&lt;\/a&gt;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;counting currency in a leather wallet&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"pexels-photo-34975557\" data-image-description=\"\" data-image-caption=\"&lt;p&gt;Photo by Jakub Zerdzicki on &lt;a href=&quot;https:\/\/www.pexels.com\/photo\/counting-currency-in-a-leather-wallet-34975557\/&quot; rel=&quot;nofollow&quot;&gt;Pexels.com&lt;\/a&gt;&lt;\/p&gt;\n\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-34975557.jpeg?fit=600%2C378&amp;ssl=1\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-34975557.jpeg?resize=600%2C378&#038;ssl=1\" alt=\"counting currency in a leather wallet - Neon 3a : La pr\u00e9voyance suisse simple et moderne\" class=\"wp-image-25245\" style=\"aspect-ratio:1.5677308728668244;width:134px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-34975557.jpeg?resize=600%2C378&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-34975557.jpeg?resize=300%2C189&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-34975557.jpeg?resize=768%2C484&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-34975557.jpeg?resize=1536%2C968&amp;ssl=1 1536w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-34975557.jpeg?resize=18%2C12&amp;ssl=1 18w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-34975557.jpeg?resize=1200%2C756&amp;ssl=1 1200w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-34975557.jpeg?resize=1320%2C832&amp;ssl=1 1320w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-34975557.jpeg?w=1880&amp;ssl=1 1880w\" 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=\"has-text-align-center wp-block-paragraph\">Neon 3a a une commission d\u00e9gressive en fonction du montant que l&#8217;\u00e9pargneur \u00e0 ajout\u00e9 dans son compte 3a. C&#8217;est-\u00e0-dire:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--2\" style=\"font-size:0.9rem\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Argent investi dans le compte 3a<\/th><th class=\"has-text-align-center\" data-align=\"center\">Commissions par ann\u00e9e de la part de Neon 3a<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Entre 0 \u00e0 4&#8217;999 CHF<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.45%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">de 5&#8217;000 \u00e0 9&#8217;999 CHF<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.44%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">de 10&#8217;000 CHF \u00e0 24&#8217;999 CHF<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.43%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">de 25&#8217;000 CHF \u00e0 49&#8217;999 CHF<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.39%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-e0b7313d5808c6ca0ad227fbed196d98 wp-block-paragraph\">\ud83d\udc49 <strong>Selon mon opinion, ce sont des frais de gestion tr\u00e8s corrects. En effet, tr\u00e8s peu de comptes 3a en Suisse vont proposer des commissions aussi basses.<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Par contre, \u00e0 l&#8217;heure o\u00f9 j&#8217;\u00e9cris ces lignes, d\u00e8s le moment o\u00f9 le client ajoute 1 CHF dans son 3a, Finpension propose 0,39% de frais de gestion et Viac propose 0,40%. Ce qui donne un avantage \u00e0 Viac ou Finpension comparativement \u00e0 Neon 3a.<\/p>\n\n\n\n<h5 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-f781d76aa1e7f3d2107db9feab8bcdfa\"><span class=\"ez-toc-section\" id=\"Les_frais_indirectes\"><\/span>Les frais indirectes<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a579d05351b5&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a579d05351b5\" class=\"wp-block-image aligncenter size-large is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"378\" data-attachment-id=\"25245\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/finpension-3a-simple-rentable-frais-acceptables\/pexels-photo-34975557\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-34975557.jpeg?fit=1880%2C1185&amp;ssl=1\" data-orig-size=\"1880,1185\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;Photo by Jakub Zerdzicki on &lt;a href=\\&quot;https:\/\/www.pexels.com\/photo\/counting-currency-in-a-leather-wallet-34975557\/\\&quot; rel=\\&quot;nofollow\\&quot;&gt;Pexels.com&lt;\/a&gt;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;counting currency in a leather wallet&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"pexels-photo-34975557\" data-image-description=\"\" data-image-caption=\"&lt;p&gt;Photo by Jakub Zerdzicki on &lt;a href=&quot;https:\/\/www.pexels.com\/photo\/counting-currency-in-a-leather-wallet-34975557\/&quot; rel=&quot;nofollow&quot;&gt;Pexels.com&lt;\/a&gt;&lt;\/p&gt;\n\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-34975557.jpeg?fit=600%2C378&amp;ssl=1\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-34975557.jpeg?resize=600%2C378&#038;ssl=1\" alt=\"counting currency in a leather wallet - Neon 3a : La pr\u00e9voyance suisse simple et moderne\" class=\"wp-image-25245\" style=\"aspect-ratio:1.5677308728668244;width:134px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-34975557.jpeg?resize=600%2C378&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-34975557.jpeg?resize=300%2C189&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-34975557.jpeg?resize=768%2C484&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-34975557.jpeg?resize=1536%2C968&amp;ssl=1 1536w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-34975557.jpeg?resize=18%2C12&amp;ssl=1 18w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-34975557.jpeg?resize=1200%2C756&amp;ssl=1 1200w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-34975557.jpeg?resize=1320%2C832&amp;ssl=1 1320w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-34975557.jpeg?w=1880&amp;ssl=1 1880w\" 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=\"has-text-align-center wp-block-paragraph\">Il est rare qu&#8217;un compte bancaire ou un compte de pr\u00e9voyance n&#8217;ait pas de frais indirects ou des frais cach\u00e9s.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">En r\u00e8gle g\u00e9n\u00e9rale, il y a toujours des frais \u00e0 la charge du client pour, par exemple, les frais le taux de change, les frais d&#8217;entr\u00e9e \/ sortie, les frais TER ou des frais d&#8217;administratifs.<\/p>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-f7cb10ab7bd3ddeece69df4a74a82513 wp-block-paragraph\">\ud83d\udc49 <strong>Sur ce point, selon mon analyse, Neon 3a se comporte tr\u00e8s bien ! Car il y a tr\u00e8s peu de frais indirectes.<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Par contre, il faut quand m\u00eame s&#8217;attendre \u00e0 0.07% de commissions suppl\u00e9mentaires pour la strat\u00e9gie agressive 100.<\/p>\n\n\n\n<h5 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-28e6ba63f9345618fc0aa5fc481f099f\"><span class=\"ez-toc-section\" id=\"La_strategie_dinvestissement\"><\/span>La strat\u00e9gie d&#8217;investissement<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a579d053642c&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a579d053642c\" class=\"wp-block-image aligncenter size-large is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"867\" height=\"867\" data-attachment-id=\"25286\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/pexels-photo-30572289-4\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-30572289-edited-2.jpeg?fit=867%2C867&amp;ssl=1\" data-orig-size=\"867,867\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;Photo by Jakub Zerdzicki on &lt;a href=\\&quot;https:\/\/www.pexels.com\/photo\/analyzing-trading-data-on-digital-tablet-30572289\/\\&quot; rel=\\&quot;nofollow\\&quot;&gt;Pexels.com&lt;\/a&gt;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;analyzing trading data on digital tablet&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"pexels-photo-30572289\" data-image-description=\"\" data-image-caption=\"&lt;p&gt;Photo by Jakub Zerdzicki on &lt;a href=&quot;https:\/\/www.pexels.com\/photo\/analyzing-trading-data-on-digital-tablet-30572289\/&quot; rel=&quot;nofollow&quot;&gt;Pexels.com&lt;\/a&gt;&lt;\/p&gt;\n\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-30572289-edited-2.jpeg?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\/2025\/12\/pexels-photo-30572289-edited-2.jpeg?resize=867%2C867&#038;ssl=1\" alt=\"analyzing trading data on digital tablet - Neon 3a : La pr\u00e9voyance suisse simple et moderne\" class=\"wp-image-25286\" style=\"aspect-ratio:0.6738615425111871;width:92px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-30572289-edited-2.jpeg?w=867&amp;ssl=1 867w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-30572289-edited-2.jpeg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-30572289-edited-2.jpeg?resize=600%2C600&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-30572289-edited-2.jpeg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-30572289-edited-2.jpeg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-30572289-edited-2.jpeg?resize=12%2C12&amp;ssl=1 12w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-30572289-edited-2.jpeg?resize=800%2C800&amp;ssl=1 800w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-30572289-edited-2.jpeg?resize=400%2C400&amp;ssl=1 400w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-30572289-edited-2.jpeg?resize=200%2C200&amp;ssl=1 200w\" sizes=\"auto, (max-width: 867px) 100vw, 867px\" \/><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=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-7ddb9a8ab8d64f9ad9974113a764e537 wp-block-paragraph\">\ud83d\udc49 <strong>Neon 3a propose 5 strat\u00e9gies pour investir ou garder son argent sur le compte 3a:<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--3\" style=\"font-size:0.9rem\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\"><\/th><th class=\"has-text-align-center\" data-align=\"center\">Actions<\/th><th class=\"has-text-align-center\" data-align=\"center\">Obligations<\/th><th class=\"has-text-align-center\" data-align=\"center\">Immobilier<\/th><th class=\"has-text-align-center\" data-align=\"center\">Mati\u00e8res premi\u00e8res \/ cash<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Prudence 25<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">25%<\/td><td class=\"has-text-align-center\" data-align=\"center\">63%<\/td><td class=\"has-text-align-center\" data-align=\"center\">9%<\/td><td class=\"has-text-align-center\" data-align=\"center\">3%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>\u00e9quilibr\u00e9 45<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">45%<\/td><td class=\"has-text-align-center\" data-align=\"center\">43%<\/td><td class=\"has-text-align-center\" data-align=\"center\">9%<\/td><td class=\"has-text-align-center\" data-align=\"center\">3%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Dynamique 65<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">65%<\/td><td class=\"has-text-align-center\" data-align=\"center\">23%<\/td><td class=\"has-text-align-center\" data-align=\"center\">9%<\/td><td class=\"has-text-align-center\" data-align=\"center\">3%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Ambitieux 80<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">80%<\/td><td class=\"has-text-align-center\" data-align=\"center\">8%<\/td><td class=\"has-text-align-center\" data-align=\"center\">9%<\/td><td class=\"has-text-align-center\" data-align=\"center\">3%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Offensif 100<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">99%<\/td><td class=\"has-text-align-center\" data-align=\"center\">0%<\/td><td class=\"has-text-align-center\" data-align=\"center\">0%<\/td><td class=\"has-text-align-center\" data-align=\"center\">1%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-53a9247cbde655c12ccafac019d614ac wp-block-paragraph\">\ud83d\udc49 <strong>Les 5 strat\u00e9gies sont vari\u00e9es et le choix du client est assez clair. C&#8217;est un tr\u00e8s bon point.<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Par contre, certains clients pr\u00e9f\u00e8rent investir eux-m\u00eames leur argent. Au moment de l&#8217;\u00e9criture de cet article, Neon 3a ne propose pas ce service. <\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">De plus, il est \u00e0 noter que certains clients aiment d\u00e9tenir 100% de leur argent en liquidit\u00e9s ou en obligations. Cette option n&#8217;est pas permise par Neon 3a.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Selon mon avis, (pas un conseil d&#8217;investissement), la strat\u00e9gie offensif 100 est la plus int\u00e9ressante sur une longue dur\u00e9e (plus que 10 ans) !<\/p>\n\n\n\n<h5 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-2de6d2b4c6408a8c3a43316cac3f7ca3\"><span class=\"ez-toc-section\" id=\"La_pourcentage_dinvestissement_a_letranger\"><\/span>La pourcentage d&#8217;investissement \u00e0 l&#8217;\u00e9tranger<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a579d053922a&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a579d053922a\" class=\"wp-block-image aligncenter size-large is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"293\" data-attachment-id=\"25252\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/finpension-3a-simple-rentable-frais-acceptables\/pexels-photo-592753\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-592753.jpeg?fit=1880%2C917&amp;ssl=1\" data-orig-size=\"1880,917\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;Photo by Aaditya Arora on &lt;a href=\\&quot;https:\/\/www.pexels.com\/photo\/world-map-illustration-592753\/\\&quot; rel=\\&quot;nofollow\\&quot;&gt;Pexels.com&lt;\/a&gt;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;world map illustration&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"pexels-photo-592753\" data-image-description=\"\" data-image-caption=\"&lt;p&gt;Photo by Aaditya Arora on &lt;a href=&quot;https:\/\/www.pexels.com\/photo\/world-map-illustration-592753\/&quot; rel=&quot;nofollow&quot;&gt;Pexels.com&lt;\/a&gt;&lt;\/p&gt;\n\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-592753.jpeg?fit=600%2C293&amp;ssl=1\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-592753.jpeg?resize=600%2C293&#038;ssl=1\" alt=\"world map illustration - Neon 3a : La pr\u00e9voyance suisse simple et moderne\" class=\"wp-image-25252\" style=\"aspect-ratio:2.003129890453834;width:135px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-592753.jpeg?resize=600%2C293&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-592753.jpeg?resize=300%2C146&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-592753.jpeg?resize=768%2C375&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-592753.jpeg?resize=1536%2C749&amp;ssl=1 1536w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-592753.jpeg?resize=18%2C9&amp;ssl=1 18w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-592753.jpeg?resize=1200%2C585&amp;ssl=1 1200w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-592753.jpeg?resize=1320%2C644&amp;ssl=1 1320w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-592753.jpeg?w=1880&amp;ssl=1 1880w\" 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=\"has-text-align-center wp-block-paragraph\">Bien que la Suisse soit historiquement un pays stable pour les investissements boursiers, la Suisse reste un petit pays avec tr\u00e8s de peu de poids politique au niveau mondial.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Pour ceux qui aiment investir une grande partie de leur compte 3a en bourse, il est appr\u00e9ciable de pouvoir investir \u00e0 l&#8217;\u00e9tranger, surtout aux \u00c9tats-Unis, car les \u00c9tats-Unis sont historiquement le pays avec le meilleur rendement boursier. De plus, ils ont un grand poids politique au niveau mondial.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">De ce fait, bien que je comprenne qu&#8217;un compte 3a doit avoir un bon pourcentage investi en Suisse. Je pense qu&#8217;il est important d&#8217;investir un grand pourcentage de son 3a au niveau mondial pour se diversifier.<\/p>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-49ab226d39c336f66923901fbe792854 wp-block-paragraph\">\ud83d\udc49 <strong>Neon 3a permet d&#8217;investir \u00e0 l&#8217;\u00e9tranger \u00e0 70%. C&#8217;est appr\u00e9ciable et suffisant selon mon avis<\/strong> !<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">En effet, je pense que 60% serait le minimum \u00e0 investir \u00e0 l&#8217;\u00e9tranger, afin de garder 40% au maximum en Suisse.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Par contre, Neon agressif 100 r\u00e9partit les investissements boursiers en:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>70% monde<\/li>\n\n\n\n<li>10% Suisse<\/li>\n\n\n\n<li>18% pays \u00e9mergents<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-67c4a24aaa58d67fb1743e33aae1ea5e wp-block-paragraph\">\ud83d\udc49 <strong>Selon mon avis, 10% d&#8217;investissement boursier en Suisse est trop peu. Sur un compte 3a, de mani\u00e8re g\u00e9n\u00e9rale, les \u00e9pargnants souhaitent un pourcentage plus important investi en Suisse.<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">De plus, il n&#8217;y a pas d&#8217;informations concernant le pourcentage des investissements boursiers US. Notons que le march\u00e9 boursier am\u00e9ricain est l&#8217;un des plus importants au monde.<\/p>\n\n\n\n<h5 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-8a81d1ddccc93a301080fb1cb9435593\"><span class=\"ez-toc-section\" id=\"Le_choix_dinvestissement\"><\/span>Le choix d&#8217;investissement<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a579d053a716&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a579d053a716\" class=\"wp-block-image aligncenter size-large is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"867\" height=\"867\" data-attachment-id=\"25286\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/pexels-photo-30572289-4\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-30572289-edited-2.jpeg?fit=867%2C867&amp;ssl=1\" data-orig-size=\"867,867\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;Photo by Jakub Zerdzicki on &lt;a href=\\&quot;https:\/\/www.pexels.com\/photo\/analyzing-trading-data-on-digital-tablet-30572289\/\\&quot; rel=\\&quot;nofollow\\&quot;&gt;Pexels.com&lt;\/a&gt;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;analyzing trading data on digital tablet&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"pexels-photo-30572289\" data-image-description=\"\" data-image-caption=\"&lt;p&gt;Photo by Jakub Zerdzicki on &lt;a href=&quot;https:\/\/www.pexels.com\/photo\/analyzing-trading-data-on-digital-tablet-30572289\/&quot; rel=&quot;nofollow&quot;&gt;Pexels.com&lt;\/a&gt;&lt;\/p&gt;\n\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-30572289-edited-2.jpeg?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\/2025\/12\/pexels-photo-30572289-edited-2.jpeg?resize=867%2C867&#038;ssl=1\" alt=\"analyzing trading data on digital tablet\" class=\"wp-image-25286\" style=\"aspect-ratio:0.6738615425111871;width:92px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-30572289-edited-2.jpeg?w=867&amp;ssl=1 867w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-30572289-edited-2.jpeg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-30572289-edited-2.jpeg?resize=600%2C600&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-30572289-edited-2.jpeg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-30572289-edited-2.jpeg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-30572289-edited-2.jpeg?resize=12%2C12&amp;ssl=1 12w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-30572289-edited-2.jpeg?resize=800%2C800&amp;ssl=1 800w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-30572289-edited-2.jpeg?resize=400%2C400&amp;ssl=1 400w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-30572289-edited-2.jpeg?resize=200%2C200&amp;ssl=1 200w\" sizes=\"auto, (max-width: 867px) 100vw, 867px\" \/><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=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-590606b19ffe7eddef99195339f6c2bf wp-block-paragraph\"><strong>Neon 3a donne 3 choix afin d&#8217;investir selon sa strat\u00e9gie.<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Focus Global = Investissement dans le monde entier, avec un grand pourcentage investi dans les pays d\u00e9velopp\u00e9s<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>D\u00e9veloppement durable = Choisir un investissement qui favorise la durabilit\u00e9 (via des actions durables par exemple)<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Focus Suisse = Investir une bonne partie de son investissement en Suisse (ou via des actions suisses)<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-68a27b684eb8858ab87cc16b9de6cea5 wp-block-paragraph\">\ud83d\udc49 <strong>Selon mon opinion, je ne suis pas adepte des investissements majoritairement suisses ou des investissements qui favorisent les actions durables. En effet, je pr\u00e9f\u00e8re une strat\u00e9gie ax\u00e9e sur le monde.<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">En revanche, chaque lecteur a le droit d&#8217;avoir une opinion diff\u00e9rente et je pense que c&#8217;est un bon point pour Neon de donner ces possibilit\u00e9s d&#8217;investissement.<\/p>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-5ae9241c69242eb5ac7c7b755ba0e53a wp-block-paragraph\"><strong>Notons \u00e9galement que Neon 3a permet de d&#8217;investir majoritairement via des fonds indiciels de Swisscanto. Selon mon opinion, c&#8217;est une excellente option !<\/strong><\/p>\n\n\n\n<h5 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-9640265c743702b304cbec397a756f0d\"><span class=\"ez-toc-section\" id=\"Le_rendement_dinvestissement\"><\/span>Le rendement d&#8217;investissement<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a579d053b9a8&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a579d053b9a8\" class=\"wp-block-image aligncenter size-large is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"450\" data-attachment-id=\"25254\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/finpension-3a-simple-rentable-frais-acceptables\/pexels-photo-159888-2\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-159888.jpeg?fit=1733%2C1300&amp;ssl=1\" data-orig-size=\"1733,1300\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;Photo by energepic.com on &lt;a href=\\&quot;https:\/\/www.pexels.com\/photo\/close-up-photo-of-monitor-159888\/\\&quot; rel=\\&quot;nofollow\\&quot;&gt;Pexels.com&lt;\/a&gt;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;close up photo of monitor&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"pexels-photo-159888\" data-image-description=\"\" data-image-caption=\"&lt;p&gt;Photo by energepic.com on &lt;a href=&quot;https:\/\/www.pexels.com\/photo\/close-up-photo-of-monitor-159888\/&quot; rel=&quot;nofollow&quot;&gt;Pexels.com&lt;\/a&gt;&lt;\/p&gt;\n\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-159888.jpeg?fit=600%2C450&amp;ssl=1\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-159888-600x450.jpeg?resize=600%2C450&#038;ssl=1\" alt=\"close up photo of monitor - Neon 3a : La pr\u00e9voyance suisse simple et moderne\" class=\"wp-image-25254\" style=\"aspect-ratio:1.3239553165080677;width:132px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-159888.jpeg?resize=600%2C450&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-159888.jpeg?resize=300%2C225&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-159888.jpeg?resize=768%2C576&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-159888.jpeg?resize=1536%2C1152&amp;ssl=1 1536w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-159888.jpeg?resize=16%2C12&amp;ssl=1 16w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-159888.jpeg?resize=1200%2C900&amp;ssl=1 1200w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-159888.jpeg?resize=800%2C600&amp;ssl=1 800w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-159888.jpeg?resize=400%2C300&amp;ssl=1 400w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-159888.jpeg?resize=200%2C150&amp;ssl=1 200w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-159888.jpeg?resize=1320%2C990&amp;ssl=1 1320w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-159888.jpeg?w=1733&amp;ssl=1 1733w\" 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=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-416275bba53aeace9ff786d8638f5ae3 wp-block-paragraph\">\ud83d\udc49 <strong>Neon 3a ne permet pas de visualiser le rendement r\u00e9el par PDF comme Finpension ou Viac. C&#8217;est un point \u00e0 am\u00e9liorer, car pour le client, il est important d&#8217;analyser le rendement r\u00e9el de chaque strat\u00e9gie 3a de mani\u00e8re simple et visuelle.<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Cependant, selon un article de Neon, la strat\u00e9gie offensive 100 de Neon 3a aurait obtenu un rendement similaire \u00e0 Viac Global 100.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">De ce fait, il est encore un peu t\u00f4t pour comparer les rendements pass\u00e9s de Neon 3a, mais c&#8217;est positif si Neon pr\u00e9voit des rendements comparables \u00e0 celui de Viac.<\/p>\n\n\n\n<h5 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-8b99c447c4b3dd4b1e05b5ccbdf9a2b3\"><span class=\"ez-toc-section\" id=\"La_securite_du_3a\"><\/span>La s\u00e9curit\u00e9 du 3a<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a579d053c5bc&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a579d053c5bc\" class=\"wp-block-image aligncenter size-large is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"400\" data-attachment-id=\"25256\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/finpension-3a-simple-rentable-frais-acceptables\/security-protection-anti-virus-software-60504\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/security-protection-anti-virus-software-60504.jpeg?fit=1880%2C1253&amp;ssl=1\" data-orig-size=\"1880,1253\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;Photo by Pixabay on &lt;a href=\\&quot;https:\/\/www.pexels.com\/photo\/security-logo-60504\/\\&quot; rel=\\&quot;nofollow\\&quot;&gt;Pexels.com&lt;\/a&gt;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;security logo&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"security-protection-anti-virus-software-60504\" data-image-description=\"\" data-image-caption=\"&lt;p&gt;Photo by Pixabay on &lt;a href=&quot;https:\/\/www.pexels.com\/photo\/security-logo-60504\/&quot; rel=&quot;nofollow&quot;&gt;Pexels.com&lt;\/a&gt;&lt;\/p&gt;\n\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/security-protection-anti-virus-software-60504.jpeg?fit=600%2C400&amp;ssl=1\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/security-protection-anti-virus-software-60504.jpeg?resize=600%2C400&#038;ssl=1\" alt=\"security logo\" class=\"wp-image-25256\" style=\"aspect-ratio:1.484230055658627;width:136px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/security-protection-anti-virus-software-60504.jpeg?resize=600%2C400&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/security-protection-anti-virus-software-60504.jpeg?resize=300%2C200&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/security-protection-anti-virus-software-60504.jpeg?resize=768%2C512&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/security-protection-anti-virus-software-60504.jpeg?resize=1536%2C1024&amp;ssl=1 1536w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/security-protection-anti-virus-software-60504.jpeg?resize=18%2C12&amp;ssl=1 18w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/security-protection-anti-virus-software-60504.jpeg?resize=1200%2C800&amp;ssl=1 1200w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/security-protection-anti-virus-software-60504.jpeg?resize=1320%2C880&amp;ssl=1 1320w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/security-protection-anti-virus-software-60504.jpeg?w=1880&amp;ssl=1 1880w\" 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=\"has-text-align-center wp-block-paragraph\">Concernant la s\u00e9curit\u00e9 du compte 3a, comme la majorit\u00e9 des comptes de pr\u00e9voyance en Suisse, les titres du client sont s\u00e9par\u00e9s de la banque.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">C&#8217;est-\u00e0-dire, si Neon fait faillite, les titres 3a du client sont transf\u00e9r\u00e9s vers un autre compte 3a.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">En ce qui concerne la s\u00e9curit\u00e9 via le Smartphone, Neon 3a utilise un acc\u00e8s au compte avec un code biom\u00e9trique. Il est tr\u00e8s difficile de craquer un code biom\u00e9trique.<\/p>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-70d0f63f0ebdc321d271a273d338f34c wp-block-paragraph\">\ud83d\udc49 <strong>En conclusion, la s\u00e9curit\u00e9 de Neon 3a est tr\u00e8s bonne !<\/strong><\/p>\n\n\n\n<h5 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-918f6bc7e1d7b49cc384d5ee2725eb82\"><span class=\"ez-toc-section\" id=\"La_nombre_de_portefeuilles_possibles_a_detenir\"><\/span>La nombre de portefeuilles possibles \u00e0 d\u00e9tenir?<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a579d053d4c3&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a579d053d4c3\" class=\"wp-block-image aligncenter size-large is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"400\" data-attachment-id=\"25258\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/finpension-3a-simple-rentable-frais-acceptables\/pexels-photo-1314529\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-1314529.jpeg?fit=1880%2C1253&amp;ssl=1\" data-orig-size=\"1880,1253\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;Photo by Black  ice on &lt;a href=\\&quot;https:\/\/www.pexels.com\/photo\/white-numbers-on-red-background-1314529\/\\&quot; rel=\\&quot;nofollow\\&quot;&gt;Pexels.com&lt;\/a&gt;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;white numbers on red background&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"pexels-photo-1314529\" data-image-description=\"\" data-image-caption=\"&lt;p&gt;Photo by Black  ice on &lt;a href=&quot;https:\/\/www.pexels.com\/photo\/white-numbers-on-red-background-1314529\/&quot; rel=&quot;nofollow&quot;&gt;Pexels.com&lt;\/a&gt;&lt;\/p&gt;\n\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-1314529.jpeg?fit=600%2C400&amp;ssl=1\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-1314529.jpeg?resize=600%2C400&#038;ssl=1\" alt=\"white numbers on red background\" class=\"wp-image-25258\" style=\"aspect-ratio:1.484230055658627;width:115px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-1314529.jpeg?resize=600%2C400&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-1314529.jpeg?resize=300%2C200&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-1314529.jpeg?resize=768%2C512&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-1314529.jpeg?resize=1536%2C1024&amp;ssl=1 1536w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-1314529.jpeg?resize=18%2C12&amp;ssl=1 18w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-1314529.jpeg?resize=1200%2C800&amp;ssl=1 1200w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-1314529.jpeg?resize=1320%2C880&amp;ssl=1 1320w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-1314529.jpeg?w=1880&amp;ssl=1 1880w\" 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=\"has-text-align-center wp-block-paragraph\">Je l&#8217;ai d\u00e9j\u00e0 \u00e9crit dans l&#8217;article de ce blog, <em><a href=\"https:\/\/minimalistefrugaliste.com\/echelonner-3-a-economiser-impots\/\">\u00e9chelonner le 3a pour \u00e9conomiser en imp\u00f4ts?<\/a><\/em>, qu&#8217;il est important de d\u00e9tenir plusieurs comptes 3a afin d&#8217;optimiser les imp\u00f4ts lors des retraits du compte 3a.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">En effet, dans la plupart des cantons en Suisse, il est pr\u00e9f\u00e9rable de d\u00e9tenir par exemple, 3 comptes 3a avec 100&#8217;000 CHF en chaque compte 3a, plut\u00f4t que de d\u00e9tenir 300&#8217;000 CHF dans un seul compte 3a.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">En r\u00e9alit\u00e9, dans la plupart des cas, diviser son 3a en plusieurs comptes 3a permet de l&#8217;optimisation fiscale.<\/p>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-3fde35a6115524b1671db67a1b0c315b wp-block-paragraph\">\ud83d\udc49 <strong>Notons que Neon 3a permet au client de d\u00e9tenir jusqu&#8217;\u00e0 5 portefeuilles 3a. C&#8217;est un nombre suffisant selon mon avis.<\/strong><\/p>\n\n\n\n<h5 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-14fe92f24b00b61c87b1a9abaca1d8a7\"><span class=\"ez-toc-section\" id=\"La_simplicite_dutilisation\"><\/span>La simplicit\u00e9 d&#8217;utilisation<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a579d053e34f&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a579d053e34f\" class=\"wp-block-image aligncenter size-large is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"400\" data-attachment-id=\"25260\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/finpension-3a-simple-rentable-frais-acceptables\/pexels-photo-359757\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-359757.jpeg?fit=1880%2C1253&amp;ssl=1\" data-orig-size=\"1880,1253\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;Photo by Tofros.com on &lt;a href=\\&quot;https:\/\/www.pexels.com\/photo\/person-using-android-smartphone-359757\/\\&quot; rel=\\&quot;nofollow\\&quot;&gt;Pexels.com&lt;\/a&gt;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;person using android smartphone&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"pexels-photo-359757\" data-image-description=\"\" data-image-caption=\"&lt;p&gt;Photo by Tofros.com on &lt;a href=&quot;https:\/\/www.pexels.com\/photo\/person-using-android-smartphone-359757\/&quot; rel=&quot;nofollow&quot;&gt;Pexels.com&lt;\/a&gt;&lt;\/p&gt;\n\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-359757.jpeg?fit=600%2C400&amp;ssl=1\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-359757.jpeg?resize=600%2C400&#038;ssl=1\" alt=\"person using android smartphone\" class=\"wp-image-25260\" style=\"aspect-ratio:1.484230055658627;width:167px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-359757.jpeg?resize=600%2C400&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-359757.jpeg?resize=300%2C200&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-359757.jpeg?resize=768%2C512&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-359757.jpeg?resize=1536%2C1024&amp;ssl=1 1536w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-359757.jpeg?resize=18%2C12&amp;ssl=1 18w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-359757.jpeg?resize=1200%2C800&amp;ssl=1 1200w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-359757.jpeg?resize=1320%2C880&amp;ssl=1 1320w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-359757.jpeg?w=1880&amp;ssl=1 1880w\" 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=\"has-text-align-center wp-block-paragraph\">Comme la majorit\u00e9 des 3a en Suisse, il est tr\u00e8s simple de d\u00e9tenir et d&#8217;investir via un compte 3a.<\/p>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-2c8b1b0b2e0b19c9482984b96775192a wp-block-paragraph\">\ud83d\udc49 <strong>En r\u00e9alit\u00e9, il suffit d&#8217;ajouter de l&#8217;argent avec un versement et Neon 3a s&#8217;occupe de tout.<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Pour donner un exemple, dans mon cas, j&#8217;ajoute un simple versement mensuel de mon compte courant vers mon compte 3a. Et hop, l&#8217;argent de mon 3a est investi et en s\u00e9curit\u00e9.<\/p>\n\n\n\n<h5 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-36bf950214599c177221766058109d9f\"><span class=\"ez-toc-section\" id=\"Le_service_client\"><\/span>Le service client<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a579d053f0ba&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a579d053f0ba\" class=\"wp-block-image aligncenter size-large is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"400\" data-attachment-id=\"25262\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/finpension-3a-simple-rentable-frais-acceptables\/pexels-photo-3987034\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-3987034.jpeg?fit=1880%2C1253&amp;ssl=1\" data-orig-size=\"1880,1253\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;Photo by Anna Shvets on &lt;a href=\\&quot;https:\/\/www.pexels.com\/photo\/woman-in-white-crew-neck-t-shirt-using-silver-macbook-3987034\/\\&quot; rel=\\&quot;nofollow\\&quot;&gt;Pexels.com&lt;\/a&gt;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;woman in white crew neck t shirt using silver macbook&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"pexels-photo-3987034\" data-image-description=\"\" data-image-caption=\"&lt;p&gt;Photo by Anna Shvets on &lt;a href=&quot;https:\/\/www.pexels.com\/photo\/woman-in-white-crew-neck-t-shirt-using-silver-macbook-3987034\/&quot; rel=&quot;nofollow&quot;&gt;Pexels.com&lt;\/a&gt;&lt;\/p&gt;\n\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-3987034.jpeg?fit=600%2C400&amp;ssl=1\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-3987034.jpeg?resize=600%2C400&#038;ssl=1\" alt=\"woman in white crew neck t shirt using silver macbook\" class=\"wp-image-25262\" style=\"aspect-ratio:1.484230055658627;width:151px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-3987034.jpeg?resize=600%2C400&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-3987034.jpeg?resize=300%2C200&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-3987034.jpeg?resize=768%2C512&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-3987034.jpeg?resize=1536%2C1024&amp;ssl=1 1536w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-3987034.jpeg?resize=18%2C12&amp;ssl=1 18w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-3987034.jpeg?resize=1200%2C800&amp;ssl=1 1200w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-3987034.jpeg?resize=1320%2C880&amp;ssl=1 1320w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-3987034.jpeg?w=1880&amp;ssl=1 1880w\" 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=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-408bcd83a9e8bd94699c0d3581157404 wp-block-paragraph\">\ud83d\udc49 <strong>Selon mon exp\u00e9rience, le service client avec Neon a toujours \u00e9t\u00e9 tr\u00e8s bon.<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">En r\u00e8gle g\u00e9n\u00e9rale, les r\u00e9ponses sont claires et rapides.<\/p>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-white-color has-vivid-red-background-color has-text-color has-background has-link-color wp-elements-409a850fc7e64b985204cb5cc773e87f\"><span class=\"ez-toc-section\" id=\"Conclusion_Neon_3a\"><\/span>Conclusion Neon 3a<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-f302a0114c0ac15eea3c224d54dfbf3d wp-block-paragraph\"><strong>Analysons avec un tableau, un r\u00e9sum\u00e9 de Neon 3a ainsi que ma ponctuation personnelle.<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center has-light-green-cyan-color has-text-color has-link-color wp-elements-cd8db7d79cae923ae83ff84d3269c60c wp-block-paragraph\"><strong>Neon 3a : La pr\u00e9voyance suisse simple et moderne<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--4\" style=\"font-size:0.9rem\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\"><\/th><th class=\"has-text-align-center\" data-align=\"center\"><\/th><th class=\"has-text-align-center\" data-align=\"center\">Ponctuation sur 10<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Commissions (frais de gestion)<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.39 &#8211; 0.45%<\/td><td class=\"has-text-align-center\" data-align=\"center\">8.5 \/ 10<br>(commissions l\u00e9g\u00e8rement plus \u00e9lev\u00e9es que Viac et Finpension)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Frais indirectes<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tr\u00e8s peu de frais indirectes<\/td><td class=\"has-text-align-center\" data-align=\"center\">9.5 \/ 10<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Rendement pass\u00e9<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tr\u00e8s bon pour un compte 3a<\/td><td class=\"has-text-align-center\" data-align=\"center\">8.5 \/ 10<br>(la transparence du rendement r\u00e9el est \u00e0 am\u00e9liorer de la part de Neon)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Choix des strat\u00e9gies<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tr\u00e8s vari\u00e9<\/td><td class=\"has-text-align-center\" data-align=\"center\">9 \/ 10<br>(manque l&#8217;option choix personnalis\u00e9)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Possibilit\u00e9 d&#8217;investir \u00e0 99% sur global 100<\/td><td class=\"has-text-align-center\" data-align=\"center\">Oui<\/td><td class=\"has-text-align-center\" data-align=\"center\">10 \/ 10<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Pourcentage d&#8217;investissement en Suisse &amp; Pourcentage d&#8217;investissement \u00e0 l&#8217;\u00e9tranger<\/td><td class=\"has-text-align-center\" data-align=\"center\">89% \u00e0 l&#8217;\u00e9tranger<br>10% en Suisse<br><\/td><td class=\"has-text-align-center\" data-align=\"center\">8.5 \/ 10<br>(% d&#8217;investissement en Suisse trop faible)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Simplicit\u00e9 d&#8217;utilisation<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tr\u00e8s simple<\/td><td class=\"has-text-align-center\" data-align=\"center\">10 \/ 10<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Nombre de portefeuille maximal que le client peut d\u00e9tenir<\/td><td class=\"has-text-align-center\" data-align=\"center\">5<\/td><td class=\"has-text-align-center\" data-align=\"center\">9.5 \/ 10<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">S\u00e9curit\u00e9 du 3a<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tr\u00e8s bonne<\/td><td class=\"has-text-align-center\" data-align=\"center\">9.5 \/ 10<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Service client<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tr\u00e8s bon<\/td><td class=\"has-text-align-center\" data-align=\"center\">9.5 \/ 10<\/td><\/tr><\/tbody><tfoot><tr><td class=\"has-text-align-center\" data-align=\"center\"><\/td><td class=\"has-text-align-center\" data-align=\"center\"><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#eed792\" class=\"has-inline-color\">9.25 \/ 10<\/mark><\/strong><\/td><\/tr><\/tfoot><\/table><\/figure>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Neon 3a obtient une note globale tr\u00e8s bonne de <strong>9.25 \/ 10<\/strong>. C&#8217;est un excellent score !<\/p>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-7bdfbbeefcf1bd94e503b7b1eabd2676 wp-block-paragraph\">\ud83d\udc49 <strong>Selon mon avis, Neon 3a est un tr\u00e8s bon choix pour ouvrir un compte 3a.<\/strong><\/p>\n\n\n\n<h5 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-624c10c39df9c8e001085f1738d804e2\"><span class=\"ez-toc-section\" id=\"Neon_3a_VS_autres_comptes_3a\"><\/span>Neon 3a VS autres comptes 3a<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-c527cc03842350388bb0ccab3a4cab1b wp-block-paragraph\"><strong>Selon mon opinion, Neon 3a est un des 3 meilleures comptes 3a en Suisse. Les seuls concurrents s\u00e9rieux de Neon 3a sont Finpension 3a et Viac 3a .<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-132a0e174860c815c221ed6cec51fcbd wp-block-paragraph\"><strong>Par contre, je pense que comme Neon est un jeune compte 3a et que les frais ne sont pas meilleurs que Viac ou Finpension, je pense que les clients de Finpension ou Viac ne devraient pas changer leur compte 3a.<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">En effet, selon moi, Viac et Finpension restent les leaders des comptes 3a depuis 10 ans. <\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Cependant, \u00e0 noter que Neon 3a est rentr\u00e9 dans mon top 3 des comptes 3a d\u00e8s leur ouverture. Bravo \u00e0 Neon !<\/p>\n\n\n\n<p class=\"has-text-align-center has-light-green-cyan-color has-text-color has-link-color wp-elements-cd8db7d79cae923ae83ff84d3269c60c wp-block-paragraph\"><strong>Neon 3a : La pr\u00e9voyance suisse simple et moderne<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center has-background wp-block-paragraph\" style=\"background-color:#08481b\"><strong>Abonne-toi pour les nouveaut\u00e9s<\/strong><\/p>\n\n\n<div class=\"wp-block-jetpack-subscriptions__supports-newline wp-block-jetpack-subscriptions\">\n\t\t<div>\n\t\t\t<div>\n\t\t\t\t<div>\n\t\t\t\t\t<p >\n\t\t\t\t\t\t<a href=\"https:\/\/minimalistefrugaliste.com\/en\/?post_type=post&#038;p=24531\" 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-77b97fe5 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\"><li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/les-5-erreurs-a-eviter-quand-on-debute-en-bourse\/\">Les 5 erreurs \u00e0 \u00e9viter quand on d\u00e9bute en bourse<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-en-bourse-le-guide-complet-pour-debutant-en-7-etapes\/\">Comment investir en bourse ? Le guide complet pour d\u00e9butant en 7 \u00e9tapes<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-inflation-influence-richesse\/\">Comment l&#8217;Inflation influence ta richesse?<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/combien-annees-atteindre-liberte-financiere-fire\/\">Combien d&#8217;ann\u00e9es pour atteindre sa libert\u00e9 financi\u00e8re FIRE?<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/regle-4\/\">R\u00e8gle des 4%: La r\u00e8gle d&#8217;or pour l&#8217;ind\u00e9pendance financi\u00e8re<\/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-3f93acef4b70ccc4ca10ffce460f03fd 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-5daf2f135bed92bf2dd6844d889bcc42\"><strong>J&#8217;ai en effet d\u00e9cid\u00e9 de cr\u00e9er ce blog pour me d\u00e9velopper et aider les lecteurs qui recherchent une vie plus simple et plus \u00e9conome.<\/strong><\/h6>\n\n\n\n<p class=\"wp-block-paragraph\">Comparativement \u00e0 avant, j&#8217;\u00e9tais une personne qui consommais beaucoup <strong><span style=\"text-decoration: underline;\">jusqu&#8217;au jour o\u00f9 j&#8217;ai compris que ma consommation me rendais plus triste et plus pauvre<\/span><\/strong> \ud83d\ude11<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D\u00e9sormais, <strong><span style=\"text-decoration: underline;\">je privil\u00e9gie le minimum de mes besoins pour \u00eatre heureux et atteindre ma libert\u00e9 financi\u00e8re.<\/span><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sans me rendre compte, j<strong><span style=\"text-decoration: underline;\">&#8216;ai commenc\u00e9 \u00e0 privil\u00e9gier l&#8217;\u00e9pargne et les investissements pour d\u00e9pendre d&#8217;un patron le moins longtemps possible<\/span><\/strong> et pour acc\u00e9l\u00e9rer mes projets personnels.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">De ce fait, je m&#8217;enrichis d&#8217;une fa\u00e7on que j&#8217;aurai jamais imagin\u00e9 vu que j&#8217;ai un salaire moyen en Suisse.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C&#8217;est dans ce but que j&#8217;ai d\u00e9cid\u00e9 de cr\u00e9er ce blog. Afin de partager et apprendre avec d&#8217;autres personnes qui recherchent \u00e0 la libert\u00e9 et la simplicit\u00e9 \ud83d\ude09<\/p>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-light-green-cyan-color has-text-color\"><strong>Es-tu plut\u00f4t minimaliste ou frugaliste Jonny?<\/strong><\/h5>\n\n\n\n<p class=\"has-text-align-left wp-block-paragraph\"><strong><span style=\"text-decoration: underline;\">Je suis aussi bien minimaliste que frugaliste.<\/span><\/strong> Toutefois, il y a des situations o\u00f9 je me penche plus vers un art de vie.<\/p>\n\n\n\n<p class=\"has-text-align-left wp-block-paragraph\">Pour conclure, je pense que le plus important est se sentir confortable dans son art de vie \ud83d\ude0a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>In this article, Neon 3a: Simple and modern Swiss pension provision, I present a quick summary and my opinion on Neon 3a.<\/p>","protected":false},"author":215552267,"featured_media":25282,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_wpcom_ai_launchpad_first_post":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"_wpas_customize_per_network":false,"jetpack_post_was_ever_published":false},"categories":[725575],"tags":[728545115,728545111,728542890,728545124,728542882,728545116,728545114,728545127,728544585,728545125,728545100,728545101,728545123,728545104,728545117,728545128,728545129,728542837,728545121,728542815,728545110,728542821,728542919,728545102,728545105,728545109,728545103,728545118,728545106,728545107,728545108,728545126,728545113,728545112,728545119,728545120,728542820,728545122],"class_list":["post-24531","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investissement","tag-3a-100-actions","tag-3a-numerique","tag-article","tag-epargne-retraite-suisse","tag-blog","tag-comment-fonctionne-neon-3a","tag-comment-optimiser-son-3a","tag-comment-reduire-les-frais-du-3a","tag-compte-3a","tag-compte-3a-neon","tag-compte-de-prevoyance","tag-compte-de-prevoyance-suisse","tag-diversification-3a","tag-est-ce-neon-3a-un-bon-compte-3a","tag-est-ce-que-neon-3a-est-sur","tag-gestion-digitale-de-la-prevoyance","tag-gestion-digitale-de-la-prevoyance-suisse","tag-investir","tag-investir-son-3a-en-actions","tag-investissement","tag-meilleur-compte-3a","tag-minimaliste","tag-minimalistefrugaliste","tag-neon-3a","tag-neon-3a-la-prevoyance-suisse-simple-et-moderne","tag-neon-3a-avis","tag-neon-3a-comparatif","tag-neon-3a-frais","tag-neon-3eme-pilier","tag-neon-troisieme-pilier","tag-neon-troisieme-pilier-suisse","tag-opinion-neon-3a","tag-optimiser-son-3a","tag-optimiser-son-pilier-3a","tag-pilier-3a-suisse","tag-strategie-3a","tag-suisse","tag-transparence-des-frais"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Neon 3a : La pr\u00e9voyance suisse simple et moderne - Minimaliste et Frugaliste<\/title>\n<meta name=\"description\" content=\"D\u00e9couvre Neon 3a : La pr\u00e9voyance suisse simple et moderne, une solution digitale avec frais transparents pour optimiser ton 3e pilier \ud83d\ude09\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/minimalistefrugaliste.com\/en\/neon-3a-simple-and-modern-swiss-pension-planning\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Neon 3a : La pr\u00e9voyance suisse simple et moderne - Minimaliste et Frugaliste\" \/>\n<meta property=\"og:description\" content=\"D\u00e9couvre Neon 3a : La pr\u00e9voyance suisse simple et moderne, une solution digitale avec frais transparents pour optimiser ton 3e pilier \ud83d\ude09\" \/>\n<meta property=\"og:url\" content=\"https:\/\/minimalistefrugaliste.com\/en\/neon-3a-simple-and-modern-swiss-pension-planning\/\" \/>\n<meta property=\"og:site_name\" content=\"Minimaliste et Frugaliste\" \/>\n<meta property=\"article:published_time\" content=\"2025-12-03T09:01:23+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-05-22T08:21:34+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/neon-3a.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1600\" \/>\n\t<meta property=\"og:image:height\" content=\"896\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Minimaliste et Frugaliste\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@https:\/\/twitter.com\/MinimalFrugal\" \/>\n<meta name=\"twitter:site\" content=\"@MinimalFrugal\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Minimaliste et Frugaliste\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"14 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/neon-3a-la-prevoyance-suisse-simple-et-moderne\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/neon-3a-la-prevoyance-suisse-simple-et-moderne\\\/\"},\"author\":{\"name\":\"Minimaliste et Frugaliste\",\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/#\\\/schema\\\/person\\\/53bc683d7aaaffc590f5316600c765aa\"},\"headline\":\"Neon 3a : La pr\u00e9voyance suisse simple et moderne\",\"datePublished\":\"2025-12-03T09:01:23+00:00\",\"dateModified\":\"2026-05-22T08:21:34+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/neon-3a-la-prevoyance-suisse-simple-et-moderne\\\/\"},\"wordCount\":2241,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/#\\\/schema\\\/person\\\/53bc683d7aaaffc590f5316600c765aa\"},\"image\":{\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/neon-3a-la-prevoyance-suisse-simple-et-moderne\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/i0.wp.com\\\/minimalistefrugaliste.com\\\/wp-content\\\/uploads\\\/2025\\\/12\\\/neon-3a.png?fit=1600%2C896&ssl=1\",\"keywords\":[\"3a 100% actions\",\"3a num\u00e9rique\",\"article\",\"\u00e9pargne retraite suisse\",\"blog\",\"comment fonctionne neon 3a\",\"comment optimiser son 3a\",\"comment r\u00e9duire les frais du 3a\",\"compte 3a\",\"compte 3a neon\",\"compte de pr\u00e9voyance\",\"compte de pr\u00e9voyance suisse\",\"diversification 3a\",\"est-ce neon 3a un bon compte 3a?\",\"est-ce que neon 3a est s\u00fbr?\",\"gestion digitale de la pr\u00e9voyance\",\"gestion digitale de la pr\u00e9voyance suisse\",\"investir\",\"investir son 3a en actions\",\"investissement\",\"meilleur compte 3a\",\"minimaliste\",\"minimalistefrugaliste\",\"neon 3a\",\"Neon 3a : La pr\u00e9voyance suisse simple et moderne\",\"neon 3a avis\",\"neon 3a comparatif\",\"neon 3a frais\",\"neon 3\u00e8me pilier\",\"neon troisi\u00e8me pilier\",\"neon troisi\u00e8me pilier suisse\",\"opinion neon 3a\",\"optimiser son 3a\",\"optimiser son pilier 3a\",\"pilier 3a suisse\",\"strat\u00e9gie 3a\",\"suisse\",\"transparence des frais\"],\"articleSection\":[\"Investissement\"],\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/minimalistefrugaliste.com\\\/neon-3a-la-prevoyance-suisse-simple-et-moderne\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/neon-3a-la-prevoyance-suisse-simple-et-moderne\\\/\",\"url\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/neon-3a-la-prevoyance-suisse-simple-et-moderne\\\/\",\"name\":\"Neon 3a : La pr\u00e9voyance suisse simple et moderne - Minimaliste et Frugaliste\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/neon-3a-la-prevoyance-suisse-simple-et-moderne\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/neon-3a-la-prevoyance-suisse-simple-et-moderne\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/i0.wp.com\\\/minimalistefrugaliste.com\\\/wp-content\\\/uploads\\\/2025\\\/12\\\/neon-3a.png?fit=1600%2C896&ssl=1\",\"datePublished\":\"2025-12-03T09:01:23+00:00\",\"dateModified\":\"2026-05-22T08:21:34+00:00\",\"description\":\"D\u00e9couvre Neon 3a : La pr\u00e9voyance suisse simple et moderne, une solution digitale avec frais transparents pour optimiser ton 3e pilier \ud83d\ude09\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/neon-3a-la-prevoyance-suisse-simple-et-moderne\\\/#breadcrumb\"},\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/minimalistefrugaliste.com\\\/neon-3a-la-prevoyance-suisse-simple-et-moderne\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/neon-3a-la-prevoyance-suisse-simple-et-moderne\\\/#primaryimage\",\"url\":\"https:\\\/\\\/i0.wp.com\\\/minimalistefrugaliste.com\\\/wp-content\\\/uploads\\\/2025\\\/12\\\/neon-3a.png?fit=1600%2C896&ssl=1\",\"contentUrl\":\"https:\\\/\\\/i0.wp.com\\\/minimalistefrugaliste.com\\\/wp-content\\\/uploads\\\/2025\\\/12\\\/neon-3a.png?fit=1600%2C896&ssl=1\",\"width\":1600,\"height\":896},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/neon-3a-la-prevoyance-suisse-simple-et-moderne\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Neon 3a : La pr\u00e9voyance suisse simple et moderne\"}]},{\"@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":"Neon 3a: Simple and modern Swiss retirement planning - Minimalist and Frugal","description":"Discover Neon 3a: Simple and modern Swiss retirement planning, a digital solution with transparent fees to optimize your 3rd pillar \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\/neon-3a-simple-and-modern-swiss-pension-planning\/","og_locale":"en_GB","og_type":"article","og_title":"Neon 3a : La pr\u00e9voyance suisse simple et moderne - Minimaliste et Frugaliste","og_description":"D\u00e9couvre Neon 3a : La pr\u00e9voyance suisse simple et moderne, une solution digitale avec frais transparents pour optimiser ton 3e pilier \ud83d\ude09","og_url":"https:\/\/minimalistefrugaliste.com\/en\/neon-3a-simple-and-modern-swiss-pension-planning\/","og_site_name":"Minimaliste et Frugaliste","article_published_time":"2025-12-03T09:01:23+00:00","article_modified_time":"2026-05-22T08:21:34+00:00","og_image":[{"width":1600,"height":896,"url":"https:\/\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/neon-3a.png","type":"image\/png"}],"author":"Minimaliste et Frugaliste","twitter_card":"summary_large_image","twitter_creator":"@https:\/\/twitter.com\/MinimalFrugal","twitter_site":"@MinimalFrugal","twitter_misc":{"Written by":"Minimaliste et Frugaliste","Estimated reading time":"14 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/minimalistefrugaliste.com\/neon-3a-la-prevoyance-suisse-simple-et-moderne\/#article","isPartOf":{"@id":"https:\/\/minimalistefrugaliste.com\/neon-3a-la-prevoyance-suisse-simple-et-moderne\/"},"author":{"name":"Minimaliste et Frugaliste","@id":"https:\/\/minimalistefrugaliste.com\/#\/schema\/person\/53bc683d7aaaffc590f5316600c765aa"},"headline":"Neon 3a : La pr\u00e9voyance suisse simple et moderne","datePublished":"2025-12-03T09:01:23+00:00","dateModified":"2026-05-22T08:21:34+00:00","mainEntityOfPage":{"@id":"https:\/\/minimalistefrugaliste.com\/neon-3a-la-prevoyance-suisse-simple-et-moderne\/"},"wordCount":2241,"commentCount":0,"publisher":{"@id":"https:\/\/minimalistefrugaliste.com\/#\/schema\/person\/53bc683d7aaaffc590f5316600c765aa"},"image":{"@id":"https:\/\/minimalistefrugaliste.com\/neon-3a-la-prevoyance-suisse-simple-et-moderne\/#primaryimage"},"thumbnailUrl":"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/neon-3a.png?fit=1600%2C896&ssl=1","keywords":["3a 100% actions","3a num\u00e9rique","article","\u00e9pargne retraite suisse","blog","comment fonctionne neon 3a","comment optimiser son 3a","comment r\u00e9duire les frais du 3a","compte 3a","compte 3a neon","compte de pr\u00e9voyance","compte de pr\u00e9voyance suisse","diversification 3a","est-ce neon 3a un bon compte 3a?","est-ce que neon 3a est s\u00fbr?","gestion digitale de la pr\u00e9voyance","gestion digitale de la pr\u00e9voyance suisse","investir","investir son 3a en actions","investissement","meilleur compte 3a","minimaliste","minimalistefrugaliste","neon 3a","Neon 3a : La pr\u00e9voyance suisse simple et moderne","neon 3a avis","neon 3a comparatif","neon 3a frais","neon 3\u00e8me pilier","neon troisi\u00e8me pilier","neon troisi\u00e8me pilier suisse","opinion neon 3a","optimiser son 3a","optimiser son pilier 3a","pilier 3a suisse","strat\u00e9gie 3a","suisse","transparence des frais"],"articleSection":["Investissement"],"inLanguage":"en-GB","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/minimalistefrugaliste.com\/neon-3a-la-prevoyance-suisse-simple-et-moderne\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/minimalistefrugaliste.com\/neon-3a-la-prevoyance-suisse-simple-et-moderne\/","url":"https:\/\/minimalistefrugaliste.com\/neon-3a-la-prevoyance-suisse-simple-et-moderne\/","name":"Neon 3a: Simple and modern Swiss retirement planning - Minimalist and Frugal","isPartOf":{"@id":"https:\/\/minimalistefrugaliste.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/minimalistefrugaliste.com\/neon-3a-la-prevoyance-suisse-simple-et-moderne\/#primaryimage"},"image":{"@id":"https:\/\/minimalistefrugaliste.com\/neon-3a-la-prevoyance-suisse-simple-et-moderne\/#primaryimage"},"thumbnailUrl":"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/neon-3a.png?fit=1600%2C896&ssl=1","datePublished":"2025-12-03T09:01:23+00:00","dateModified":"2026-05-22T08:21:34+00:00","description":"Discover Neon 3a: Simple and modern Swiss retirement planning, a digital solution with transparent fees to optimize your 3rd pillar \ud83d\ude09","breadcrumb":{"@id":"https:\/\/minimalistefrugaliste.com\/neon-3a-la-prevoyance-suisse-simple-et-moderne\/#breadcrumb"},"inLanguage":"en-GB","potentialAction":[{"@type":"ReadAction","target":["https:\/\/minimalistefrugaliste.com\/neon-3a-la-prevoyance-suisse-simple-et-moderne\/"]}]},{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/minimalistefrugaliste.com\/neon-3a-la-prevoyance-suisse-simple-et-moderne\/#primaryimage","url":"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/neon-3a.png?fit=1600%2C896&ssl=1","contentUrl":"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/neon-3a.png?fit=1600%2C896&ssl=1","width":1600,"height":896},{"@type":"BreadcrumbList","@id":"https:\/\/minimalistefrugaliste.com\/neon-3a-la-prevoyance-suisse-simple-et-moderne\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/minimalistefrugaliste.com\/"},{"@type":"ListItem","position":2,"name":"Neon 3a : La pr\u00e9voyance suisse simple et moderne"}]},{"@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_featured_media_url":"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/neon-3a.png?fit=1600%2C896&ssl=1","jetpack_likes_enabled":true,"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/pdCI1c-6nF","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/minimalistefrugaliste.com\/en\/wp-json\/wp\/v2\/posts\/24531","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=24531"}],"version-history":[{"count":97,"href":"https:\/\/minimalistefrugaliste.com\/en\/wp-json\/wp\/v2\/posts\/24531\/revisions"}],"predecessor-version":[{"id":26245,"href":"https:\/\/minimalistefrugaliste.com\/en\/wp-json\/wp\/v2\/posts\/24531\/revisions\/26245"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/minimalistefrugaliste.com\/en\/wp-json\/wp\/v2\/media\/25282"}],"wp:attachment":[{"href":"https:\/\/minimalistefrugaliste.com\/en\/wp-json\/wp\/v2\/media?parent=24531"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/minimalistefrugaliste.com\/en\/wp-json\/wp\/v2\/categories?post=24531"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/minimalistefrugaliste.com\/en\/wp-json\/wp\/v2\/tags?post=24531"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}