{"id":25201,"date":"2026-08-23T18:00:40","date_gmt":"2026-08-23T16:00:40","guid":{"rendered":"https:\/\/minimalistefrugaliste.com\/?p=25201"},"modified":"2026-09-23T08:28:58","modified_gmt":"2026-09-23T06:28:58","slug":"viac-3a-preparing-your-future-has-never-been-so-simple","status":"publish","type":"post","link":"https:\/\/minimalistefrugaliste.com\/en\/viac-3a-preparer-son-futur-jamais-ete-aussi-simple\/","title":{"rendered":"Viac 3a: Preparing for your future has never been easier"},"content":{"rendered":"\n<p class=\"has-text-align-center has-light-green-cyan-color has-text-color has-link-color wp-elements-1 wp-block-paragraph\"><strong>Viac 3a s\u2019impose comme l\u2019une des meilleures solutions de pr\u00e9voyance 3a en Suisse gr\u00e2ce \u00e0 son approche simple et avec un excellent rapport rendement\/frais. Viac 3a : Pr\u00e9parer son futur n&#8217;a jamais \u00e9t\u00e9 aussi simple<\/strong>,<strong> je te pr\u00e9sente un r\u00e9sum\u00e9 rapide et mon avis sur Viac 3a.<\/strong><\/p><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_89 ez-toc-wrap-center counter-flat ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table des mati\u00e8res<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #eeee22;color:#eeee22\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #eeee22;color:#eeee22\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/minimalistefrugaliste.com\/en\/viac-3a-preparer-son-futur-jamais-ete-aussi-simple\/#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\/viac-3a-preparer-son-futur-jamais-ete-aussi-simple\/#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\/viac-3a-preparer-son-futur-jamais-ete-aussi-simple\/#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\/viac-3a-preparer-son-futur-jamais-ete-aussi-simple\/#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\/viac-3a-preparer-son-futur-jamais-ete-aussi-simple\/#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\/viac-3a-preparer-son-futur-jamais-ete-aussi-simple\/#Viac_3a_en_bref\" >Viac 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\/viac-3a-preparer-son-futur-jamais-ete-aussi-simple\/#Viac_3a_Preparer_son_futur_na_jamais_ete_aussi_simple\" >Viac 3a : Pr\u00e9parer son futur n&#8217;a jamais \u00e9t\u00e9 aussi simple<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/minimalistefrugaliste.com\/en\/viac-3a-preparer-son-futur-jamais-ete-aussi-simple\/#Les_frais_indirects\" >Les frais indirects<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/minimalistefrugaliste.com\/en\/viac-3a-preparer-son-futur-jamais-ete-aussi-simple\/#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-10\" href=\"https:\/\/minimalistefrugaliste.com\/en\/viac-3a-preparer-son-futur-jamais-ete-aussi-simple\/#La_pourcentage_dinvestissement_en_Suisse_a_letranger\" >La pourcentage d&#8217;investissement en Suisse &amp; \u00e0 l&#8217;\u00e9tranger<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/minimalistefrugaliste.com\/en\/viac-3a-preparer-son-futur-jamais-ete-aussi-simple\/#Le_choix_dinvestissement\" >Le choix d&#8217;investissement<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/minimalistefrugaliste.com\/en\/viac-3a-preparer-son-futur-jamais-ete-aussi-simple\/#Le_rendement_dinvestissement\" >Le rendement 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\/viac-3a-preparer-son-futur-jamais-ete-aussi-simple\/#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-14\" href=\"https:\/\/minimalistefrugaliste.com\/en\/viac-3a-preparer-son-futur-jamais-ete-aussi-simple\/#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-15\" href=\"https:\/\/minimalistefrugaliste.com\/en\/viac-3a-preparer-son-futur-jamais-ete-aussi-simple\/#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-16\" href=\"https:\/\/minimalistefrugaliste.com\/en\/viac-3a-preparer-son-futur-jamais-ete-aussi-simple\/#Le_service_client\" >Le service client<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/minimalistefrugaliste.com\/en\/viac-3a-preparer-son-futur-jamais-ete-aussi-simple\/#Conclusion_Viac_3a\" >Conclusion Viac 3a<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/minimalistefrugaliste.com\/en\/viac-3a-preparer-son-futur-jamais-ete-aussi-simple\/#Viac_3a_VS_autres_comptes_3a\" >Viac 3a VS autres comptes 3a<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/minimalistefrugaliste.com\/en\/viac-3a-preparer-son-futur-jamais-ete-aussi-simple\/#Viac_3a_Preparer_son_futur_na_jamais_ete_aussi_simple-2\" >Viac 3a : Pr\u00e9parer son futur n&#8217;a jamais \u00e9t\u00e9 aussi simple<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n\n<div data-block-name=\"woocommerce\/product-collection\" data-collection=\"woocommerce\/product-collection\/hand-picked\" data-dimensions=\"{&quot;widthType&quot;:&quot;fill&quot;}\" data-display-layout=\"{&quot;type&quot;:&quot;flex&quot;,&quot;columns&quot;:5,&quot;shrinkColumns&quot;:true}\" data-hide-controls=\"[&quot;inherit&quot;,&quot;hand-picked&quot;,&quot;filterable&quot;,&quot;order&quot;]\" data-query-context-includes=\"[&quot;collection&quot;]\" data-query-id=\"0\" data-query=\"{&quot;perPage&quot;:9,&quot;pages&quot;:0,&quot;offset&quot;:0,&quot;postType&quot;:&quot;product&quot;,&quot;order&quot;:&quot;asc&quot;,&quot;orderBy&quot;:&quot;post__in&quot;,&quot;search&quot;:&quot;&quot;,&quot;exclude&quot;:[],&quot;inherit&quot;:false,&quot;taxQuery&quot;:[],&quot;isProductCollectionBlock&quot;:true,&quot;featured&quot;:false,&quot;woocommerceOnSale&quot;:false,&quot;woocommerceStockStatus&quot;:[&quot;instock&quot;,&quot;outofstock&quot;,&quot;onbackorder&quot;],&quot;woocommerceAttributes&quot;:[],&quot;woocommerceHandPickedProducts&quot;:[&quot;26085&quot;,&quot;26112&quot;,&quot;26137&quot;],&quot;filterable&quot;:false,&quot;relatedBy&quot;:{&quot;categories&quot;:true,&quot;tags&quot;:true}}\" data-tag-name=\"div\" class=\"wp-block-woocommerce-product-collection is-layout-flow wp-block-woocommerce-product-collection-is-layout-flow\">\n<h2 class=\"wp-block-heading\" style=\"margin-bottom:1rem\"><span class=\"ez-toc-section\" id=\"Produits_recommandes\"><\/span>Produits recommand\u00e9s<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n<ul data-block-name=\"woocommerce\/product-template\" class=\"wc-block-product-template__responsive columns-5 wc-block-product-template wp-block-woocommerce-product-template is-layout-flow wp-block-woocommerce-product-template-is-layout-flow\" data-wp-on--scroll=\"actions.watchScroll\" data-wp-init=\"callbacks.initResizeObserver\"><li class=\"wc-block-product post-26085 product type-product status-publish has-post-thumbnail product_tag-guide-depargne product_tag-guide-optimisation-financiere-en-suisse product_tag-livre-econome product_tag-livre-economiser product_tag-livre-finances-personnelles product_tag-livre-frugaliste first instock downloadable virtual purchasable product-type-simple\"\n\t\t\t\t\t\n\t\t\t\tdata-wp-interactive=\"woocommerce\/product-collection\"\n\t\t\t\tdata-wp-context='woocommerce\/products::{\"productId\":26085,\"variationId\":null}'\n\t\t\t\tdata-wp-key=\"product-item-26085\"\n\t\t\t\n\t\t\t\t>\n\t\t\t\t\t\n<div data-block-name=\"woocommerce\/product-image\" data-image-sizing=\"thumbnail\" data-is-descendent-of-query-loop=\"true\" data-show-sale-badge=\"false\" class=\"wc-block-components-product-image wc-block-grid__product-image wc-block-components-product-image--aspect-ratio-1-1 wp-block-woocommerce-product-image\"><a href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/50-astuces-pour-economiser-en-suisse\/\" data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\"><img decoding=\"async\" width=\"423\" height=\"600\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?fit=423%2C600&amp;ssl=1\" class=\"attachment-large size-large\" alt=\"Livre E-book - 50 astuces pour \u00e9conomiser en Suisse\" data-testid=\"product-image\" data-image-id=\"26088\" style=\"object-fit:cover;aspect-ratio:1\/1;\" loading=\"lazy\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?w=1409&amp;ssl=1 1409w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=211%2C300&amp;ssl=1 211w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=423%2C600&amp;ssl=1 423w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=768%2C1090&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=1082%2C1536&amp;ssl=1 1082w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=8%2C12&amp;ssl=1 8w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=1320%2C1874&amp;ssl=1 1320w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=600%2C852&amp;ssl=1 600w\" sizes=\"auto, (max-width: 423px) 100vw, 423px\" data-attachment-id=\"26088\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/?attachment_id=26088\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?fit=1409%2C2000&amp;ssl=1\" data-orig-size=\"1409,2000\" data-comments-opened=\"1\" data-image-title=\"1\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?fit=423%2C600&amp;ssl=1\" \/><div class=\"wc-block-components-product-image__inner-container\">\n\n<\/div><\/a><\/div>\n\n<h2 style=\"line-height:1.4;margin-bottom:0.75rem;margin-top:0\" class=\"wp-block-post-title has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Livre_E-book_%E2%80%93_50_astuces_pour_economiser_en_Suisse\"><\/span><a data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\" href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/50-astuces-pour-economiser-en-suisse\/\" target=\"_self\" >Livre E-book &#8211; 50 astuces pour \u00e9conomiser en Suisse<\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div data-block-name=\"woocommerce\/product-price\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-woocommerce-product-price\" ><div class=\"wc-block-components-product-price wc-block-grid__product-price has-font-size has-small-font-size has-text-align-center\" style=\"\" >\n\t\t\t\t\t<span class=\"woocommerce-Price-amount amount\"><bdi><span class=\"woocommerce-Price-currencySymbol\" translate=\"no\" dir=\"auto\">&#67;&#72;&#70;<\/span>&nbsp;15.00<\/bdi><\/span>\n\t\t\t\t<\/div><\/div>\n\n<div data-block-name=\"woocommerce\/product-button\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-button wc-block-components-product-button align-center wp-block-woocommerce-product-button has-small-font-size\"\n\t\t\t\t\t\n\t\t\tdata-wp-interactive=\"woocommerce\/product-button\"\n\t\t\n\t\t\t\t\tdata-wp-context='{\"quantityToAdd\":1,\"addToCartText\":\"Add to basket\",\"tempQuantity\":0,\"animationStatus\":\"IDLE\",\"inTheCartText\":\"### in basket\",\"noticeId\":\"\",\"hasPressedButton\":false}'\n\t\t\t\t>\n\t\t\t\t\t<button\n\t\t\t\t\t\tclass=\"wp-block-button__link wp-element-button wc-block-components-product-button__button add_to_cart_button ajax_add_to_cart product_type_simple has-font-size has-small-font-size has-text-align-center wc-interactive\"\n\t\t\t\t\t\tstyle=\"\"\n\t\t\t\t\t\ttype=\"button\" data-product_id=\"26085\" data-product_sku=\"\" aria-label=\"Add to basket: &ldquo;Livre E-book - 50 astuces pour \u00e9conomiser en Suisse&rdquo;\"\n\t\t\t\t\t\tdata-wp-on--click=\"actions.addCartItem\"\n\t\t\t\t\t>\n\t\t\t\t\t<span \n\t\t\tdata-wp-text=\"state.addToCartText\"\n\t\t\tdata-wp-class--wc-block-slide-in=\"state.slideInAnimation\"\n\t\t\tdata-wp-class--wc-block-slide-out=\"state.slideOutAnimation\"\n\t\t\tdata-wp-on--animationend=\"actions.handleAnimationEnd\"\n\t\t\tdata-wp-watch=\"callbacks.startAnimation\"\n\t\t\tdata-wp-run=\"callbacks.syncTempQuantityOnLoad\"\n\t\t>Add to basket<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<span\n\t\t\t\thidden\n\t\t\t\tdata-wp-bind--hidden=\"!state.displayViewCart\"\n\t\t\t>\n\t\t\t\t<a\n\t\t\t\t\thref=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\"\n\t\t\t\t\tclass=\"added_to_cart wc_forward\"\n\t\t\t\t\ttitle=\"View basket\"\n\t\t\t\t>\n\t\t\t\t\tView basket\n\t\t\t\t<\/a>\n\t\t\t<\/span>\n\t\t\t\t<\/div>\n\n\t\t\t\t<\/li><li class=\"wc-block-product post-26112 product type-product status-publish has-post-thumbnail product_tag-guide-complet-investissement product_tag-livre-finances-personnelles product_tag-livre-investissement product_tag-livre-investissement-boursier product_tag-livre-liberte-financiere product_tag-livre-sp-500  instock downloadable virtual purchasable product-type-simple\"\n\t\t\t\t\t\n\t\t\t\tdata-wp-interactive=\"woocommerce\/product-collection\"\n\t\t\t\tdata-wp-context='woocommerce\/products::{\"productId\":26112,\"variationId\":null}'\n\t\t\t\tdata-wp-key=\"product-item-26112\"\n\t\t\t\n\t\t\t\t>\n\t\t\t\t\t\n<div data-block-name=\"woocommerce\/product-image\" data-image-sizing=\"thumbnail\" data-is-descendent-of-query-loop=\"true\" data-show-sale-badge=\"false\" class=\"wc-block-components-product-image wc-block-grid__product-image wc-block-components-product-image--aspect-ratio-1-1 wp-block-woocommerce-product-image\"><a href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/financer-investir-son-avenir-mode-emploi\/\" data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\"><img decoding=\"async\" width=\"384\" height=\"600\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?fit=384%2C600&amp;ssl=1\" class=\"attachment-large size-large\" alt=\"Livre E-book - Financer son avenir avec la bourse - mode d&#039;emploi\" data-testid=\"product-image\" data-image-id=\"26114\" style=\"object-fit:cover;aspect-ratio:1\/1;\" loading=\"lazy\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?w=512&amp;ssl=1 512w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=192%2C300&amp;ssl=1 192w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=384%2C600&amp;ssl=1 384w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=8%2C12&amp;ssl=1 8w\" sizes=\"auto, (max-width: 384px) 100vw, 384px\" data-attachment-id=\"26114\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/?attachment_id=26114\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?fit=512%2C800&amp;ssl=1\" data-orig-size=\"512,800\" data-comments-opened=\"1\" data-image-title=\"1\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?fit=384%2C600&amp;ssl=1\" \/><div class=\"wc-block-components-product-image__inner-container\">\n\n<\/div><\/a><\/div>\n\n<h2 style=\"line-height:1.4;margin-bottom:0.75rem;margin-top:0\" class=\"wp-block-post-title has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Livre_E-book_%E2%80%93_Financer_son_avenir_avec_la_bourse_%E2%80%93_mode_demploi\"><\/span><a data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\" href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/financer-investir-son-avenir-mode-emploi\/\" target=\"_self\" >Livre E-book &#8211; Financer son avenir avec la bourse &#8211; mode d&#8217;emploi<\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div data-block-name=\"woocommerce\/product-price\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-woocommerce-product-price\" ><div class=\"wc-block-components-product-price wc-block-grid__product-price has-font-size has-small-font-size has-text-align-center\" style=\"\" >\n\t\t\t\t\t<span class=\"woocommerce-Price-amount amount\"><bdi><span class=\"woocommerce-Price-currencySymbol\" translate=\"no\" dir=\"auto\">&#67;&#72;&#70;<\/span>&nbsp;15.00<\/bdi><\/span>\n\t\t\t\t<\/div><\/div>\n\n<div data-block-name=\"woocommerce\/product-button\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-button wc-block-components-product-button align-center wp-block-woocommerce-product-button has-small-font-size\"\n\t\t\t\t\t\n\t\t\tdata-wp-interactive=\"woocommerce\/product-button\"\n\t\t\n\t\t\t\t\tdata-wp-context='{\"quantityToAdd\":1,\"addToCartText\":\"Add to basket\",\"tempQuantity\":0,\"animationStatus\":\"IDLE\",\"inTheCartText\":\"### in basket\",\"noticeId\":\"\",\"hasPressedButton\":false}'\n\t\t\t\t>\n\t\t\t\t\t<button\n\t\t\t\t\t\tclass=\"wp-block-button__link wp-element-button wc-block-components-product-button__button add_to_cart_button ajax_add_to_cart product_type_simple has-font-size has-small-font-size has-text-align-center wc-interactive\"\n\t\t\t\t\t\tstyle=\"\"\n\t\t\t\t\t\ttype=\"button\" data-product_id=\"26112\" data-product_sku=\"\" aria-label=\"Add to basket: &ldquo;Livre E-book - Financer son avenir avec la bourse - mode d&#039;emploi&rdquo;\"\n\t\t\t\t\t\tdata-wp-on--click=\"actions.addCartItem\"\n\t\t\t\t\t>\n\t\t\t\t\t<span \n\t\t\tdata-wp-text=\"state.addToCartText\"\n\t\t\tdata-wp-class--wc-block-slide-in=\"state.slideInAnimation\"\n\t\t\tdata-wp-class--wc-block-slide-out=\"state.slideOutAnimation\"\n\t\t\tdata-wp-on--animationend=\"actions.handleAnimationEnd\"\n\t\t\tdata-wp-watch=\"callbacks.startAnimation\"\n\t\t\tdata-wp-run=\"callbacks.syncTempQuantityOnLoad\"\n\t\t>Add to basket<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<span\n\t\t\t\thidden\n\t\t\t\tdata-wp-bind--hidden=\"!state.displayViewCart\"\n\t\t\t>\n\t\t\t\t<a\n\t\t\t\t\thref=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\"\n\t\t\t\t\tclass=\"added_to_cart wc_forward\"\n\t\t\t\t\ttitle=\"View basket\"\n\t\t\t\t>\n\t\t\t\t\tView basket\n\t\t\t\t<\/a>\n\t\t\t<\/span>\n\t\t\t\t<\/div>\n\n\t\t\t\t<\/li><li class=\"wc-block-product post-26137 product type-product status-publish has-post-thumbnail product_tag-anti-surconsommation product_tag-autodiscipline product_tag-autonomie product_tag-ecologie product_tag-economie product_tag-epargne product_tag-bien-etre product_tag-bonheur product_tag-bonheur-durable product_tag-consommation-consciente product_tag-desencombrement product_tag-developpement-personnel product_tag-essentialisme product_tag-frugalite product_tag-liberte-financiere product_tag-minimalisme product_tag-mode-de-vie-alternatif product_tag-moins-mais-mieux product_tag-simplicite-volontaire product_tag-slow-living product_tag-sobriete-heureuse product_tag-vie-simple  instock downloadable shipping-taxable purchasable product-type-simple\"\n\t\t\t\t\t\n\t\t\t\tdata-wp-interactive=\"woocommerce\/product-collection\"\n\t\t\t\tdata-wp-context='woocommerce\/products::{\"productId\":26137,\"variationId\":null}'\n\t\t\t\tdata-wp-key=\"product-item-26137\"\n\t\t\t\n\t\t\t\t>\n\t\t\t\t\t\n<div data-block-name=\"woocommerce\/product-image\" data-image-sizing=\"thumbnail\" data-is-descendent-of-query-loop=\"true\" data-show-sale-badge=\"false\" class=\"wc-block-components-product-image wc-block-grid__product-image wc-block-components-product-image--aspect-ratio-1-1 wp-block-woocommerce-product-image\"><a href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/libere-toi-de-la-surconsommation\/\" data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\"><img decoding=\"async\" width=\"376\" height=\"600\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?fit=376%2C600&amp;ssl=1\" class=\"attachment-large size-large\" alt=\"Guide E-book - Lib\u00e8re-toi de la surconsommation\" data-testid=\"product-image\" data-image-id=\"26138\" style=\"object-fit:cover;aspect-ratio:1\/1;\" loading=\"lazy\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?w=1410&amp;ssl=1 1410w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=188%2C300&amp;ssl=1 188w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=376%2C600&amp;ssl=1 376w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=768%2C1226&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=963%2C1536&amp;ssl=1 963w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=1283%2C2048&amp;ssl=1 1283w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=8%2C12&amp;ssl=1 8w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=1320%2C2106&amp;ssl=1 1320w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=600%2C957&amp;ssl=1 600w\" sizes=\"auto, (max-width: 376px) 100vw, 376px\" data-attachment-id=\"26138\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/?attachment_id=26138\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?fit=1410%2C2250&amp;ssl=1\" data-orig-size=\"1410,2250\" data-comments-opened=\"1\" data-image-meta=\"{&quot;orientation&quot;:&quot;1&quot;}\" data-image-title=\"pochette lib\u00e8re-toi de la surconsommation\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?fit=376%2C600&amp;ssl=1\" \/><div class=\"wc-block-components-product-image__inner-container\">\n\n<\/div><\/a><\/div>\n\n<h2 style=\"line-height:1.4;margin-bottom:0.75rem;margin-top:0\" class=\"wp-block-post-title has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Guide_E-book_%E2%80%93_Libere-toi_de_la_surconsommation\"><\/span><a data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\" href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/libere-toi-de-la-surconsommation\/\" target=\"_self\" >Guide E-book &#8211; Lib\u00e8re-toi de la surconsommation<\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div data-block-name=\"woocommerce\/product-price\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-woocommerce-product-price\" ><div class=\"wc-block-components-product-price wc-block-grid__product-price has-font-size has-small-font-size has-text-align-center\" style=\"\" >\n\t\t\t\t\t<span class=\"woocommerce-Price-amount amount\"><bdi><span class=\"woocommerce-Price-currencySymbol\" translate=\"no\" dir=\"auto\">&#67;&#72;&#70;<\/span>&nbsp;10.00<\/bdi><\/span>\n\t\t\t\t<\/div><\/div>\n\n<div data-block-name=\"woocommerce\/product-button\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-button wc-block-components-product-button align-center wp-block-woocommerce-product-button has-small-font-size\"\n\t\t\t\t\t\n\t\t\tdata-wp-interactive=\"woocommerce\/product-button\"\n\t\t\n\t\t\t\t\tdata-wp-context='{\"quantityToAdd\":1,\"addToCartText\":\"Add to basket\",\"tempQuantity\":0,\"animationStatus\":\"IDLE\",\"inTheCartText\":\"### in basket\",\"noticeId\":\"\",\"hasPressedButton\":false}'\n\t\t\t\t>\n\t\t\t\t\t<button\n\t\t\t\t\t\tclass=\"wp-block-button__link wp-element-button wc-block-components-product-button__button add_to_cart_button ajax_add_to_cart product_type_simple has-font-size has-small-font-size has-text-align-center wc-interactive\"\n\t\t\t\t\t\tstyle=\"\"\n\t\t\t\t\t\ttype=\"button\" data-product_id=\"26137\" data-product_sku=\"\" aria-label=\"Add to basket: &ldquo;Guide E-book - Lib\u00e8re-toi de la surconsommation&rdquo;\"\n\t\t\t\t\t\tdata-wp-on--click=\"actions.addCartItem\"\n\t\t\t\t\t>\n\t\t\t\t\t<span \n\t\t\tdata-wp-text=\"state.addToCartText\"\n\t\t\tdata-wp-class--wc-block-slide-in=\"state.slideInAnimation\"\n\t\t\tdata-wp-class--wc-block-slide-out=\"state.slideOutAnimation\"\n\t\t\tdata-wp-on--animationend=\"actions.handleAnimationEnd\"\n\t\t\tdata-wp-watch=\"callbacks.startAnimation\"\n\t\t\tdata-wp-run=\"callbacks.syncTempQuantityOnLoad\"\n\t\t>Add to basket<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<span\n\t\t\t\thidden\n\t\t\t\tdata-wp-bind--hidden=\"!state.displayViewCart\"\n\t\t\t>\n\t\t\t\t<a\n\t\t\t\t\thref=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\"\n\t\t\t\t\tclass=\"added_to_cart wc_forward\"\n\t\t\t\t\ttitle=\"View basket\"\n\t\t\t\t>\n\t\t\t\t\tView basket\n\t\t\t\t<\/a>\n\t\t\t<\/span>\n\t\t\t\t<\/div>\n\n\t\t\t\t<\/li><\/ul>\n\n<\/div>\n\n\n\n<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 &#8211; 0.40%<\/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\">Frais indirects<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tr\u00e8s peu de frais indirects<\/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\">9 \/ 10<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Choix des strat\u00e9gies<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tr\u00e8s vari\u00e9<\/td><td class=\"has-text-align-center\" data-align=\"center\">10 \/ 10<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Possibilit\u00e9 d&#8217;investir \u00e0 99% en bourse sur global 100<\/td><td class=\"has-text-align-center\" data-align=\"center\">Oui<\/td><td class=\"has-text-align-center\" data-align=\"center\">10 \/ 10<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Pourcentage d&#8217;investissement en Suisse &amp; Pourcentage d&#8217;investissement \u00e0 l&#8217;\u00e9tranger<\/td><td class=\"has-text-align-center\" data-align=\"center\">39,5% en Suisse<br>60,5% \u00e0 l&#8217;\u00e9tranger<br><br><\/td><td class=\"has-text-align-center\" data-align=\"center\">10 \/ 10<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Simplicit\u00e9 d&#8217;utilisation<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tr\u00e8s simple<\/td><td class=\"has-text-align-center\" data-align=\"center\">10 \/ 10<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Nombre de portefeuille maximal que le client peut d\u00e9tenir<\/td><td class=\"has-text-align-center\" data-align=\"center\">5<\/td><td class=\"has-text-align-center\" data-align=\"center\">9.5 \/ 10<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">S\u00e9curit\u00e9 du 3a<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tr\u00e8s bonne<\/td><td class=\"has-text-align-center\" data-align=\"center\">9.5 \/ 10<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Service client<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tr\u00e8s bon<\/td><td class=\"has-text-align-center\" data-align=\"center\">9.5 \/ 10<\/td><\/tr><\/tbody><tfoot><tr><td class=\"has-text-align-center\" data-align=\"center\"><\/td><td class=\"has-text-align-center\" data-align=\"center\"><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#eed792\" class=\"has-inline-color\">9.65 \/ 10<\/mark><\/strong><\/td><\/tr><\/tfoot><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-2\"><span class=\"ez-toc-section\" id=\"Pourquoi_detenir_un_compte_3a\"><\/span><strong>Pourquoi d\u00e9tenir un compte 3a?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\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\">Pour un r\u00e9sident en Suisse, si elle d\u00e9pose de l&#8217;argent sur son compte 3a, elle peut diminuer une partie 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. En revanche, chaque situation fiscale \u00e9tant unique, l&#8217;optimisation fiscale doit \u00eatre personnelle.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Il est important de noter ce compte 3a ne peut \u00eatre retir\u00e9 que pour quatre raisons :<\/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\">La v\u00e9ritable question est quel compte 3a choisir? Analysons ensemble le compte Viac 3a \ud83d\ude0a<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-3\"><span class=\"ez-toc-section\" id=\"Viac_3a_en_bref\"><\/span><strong>Viac 3a en bref<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Viac est une instution financi\u00e8re sp\u00e9cialis\u00e9e dans le pr\u00e9voyance.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">En v\u00e9rit\u00e9, Viac propose plusieurs produits financiers, comme Viac Invest pour investir en bourse et Finpension libre passage pour g\u00e9rer le deuxi\u00e8me pilier.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Dans cet article, nous allons analyser Viac 3a<sup><a href=\"https:\/\/viac.ch\/fr\/produits\/pilier-3a\/\" target=\"_blank\" rel=\"noreferrer noopener\">1<\/a><\/sup> \ud83d\ude09<\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6ad5dc800b579&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6ad5dc800b579\" class=\"wp-block-image aligncenter size-large is-resized wp-duotone-42a600-67ff66-2 wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"360\" data-attachment-id=\"25274\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/viac-3a-preparer-son-futur-jamais-ete-aussi-simple\/viac\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/viac.png?fit=1500%2C900&amp;ssl=1\" data-orig-size=\"1500,900\" data-comments-opened=\"1\" data-image-title=\"viac\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/viac.png?fit=600%2C360&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\/viac.png?resize=600%2C360&#038;ssl=1\" alt=\"Viac 3a : Pr\u00e9parer son futur n'a jamais \u00e9t\u00e9 aussi simple\" class=\"wp-image-25274\" style=\"aspect-ratio:1.643343176274233;width:249px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/viac.png?resize=600%2C360&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/viac.png?resize=300%2C180&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/viac.png?resize=768%2C461&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/viac.png?resize=18%2C12&amp;ssl=1 18w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/viac.png?resize=1200%2C720&amp;ssl=1 1200w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/viac.png?resize=1320%2C792&amp;ssl=1 1320w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/viac.png?w=1500&amp;ssl=1 1500w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-light-green-cyan-color has-text-color has-link-color wp-elements-4\"><span class=\"ez-toc-section\" id=\"Viac_3a_Preparer_son_futur_na_jamais_ete_aussi_simple\"><\/span><strong>Viac 3a : Pr\u00e9parer son futur n&#8217;a jamais \u00e9t\u00e9 aussi simple<\/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-5\">Commissions annuelles (frais de gestion)<\/h5>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6ad5dc800bf96&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6ad5dc800bf96\" 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;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;title&quot;:&quot;counting currency in a leather wallet&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  - Viac 3a : Pr\u00e9parer son futur n'a jamais \u00e9t\u00e9 aussi simple\" class=\"wp-image-25245\" style=\"aspect-ratio:1.5677308728668244;width:149px;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 has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-6 wp-block-paragraph\"><strong>Viac 3a a une commission selon le pourcentage d&#8217;investissement :<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Moins de 5% d&#8217;investissement = 0% en frais de gestion<\/li>\n\n\n\n<li>Plus que 5% d&#8217;investissement = 0.40% en frais de gestion<\/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-7 wp-block-paragraph\">\ud83d\udc49 <strong>Ces commissions annuelles sont tr\u00e8s bonnes ! \u00c0 ma connaissance, seules Finpension, True Wealth et Neon 3a offrent des frais aussi bas.<\/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-8 wp-block-paragraph\">\ud83d\udd3a<strong>De plus, il est \u00e0 noter que Viac permet de r\u00e9duire les frais annuels avec le partage de code promo. C&#8217;est-\u00e0-dire, si le client partage son code promo \u00e0 un nouveau client Viac, les commissions sont r\u00e9duites pour les 2 clients !<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">De ce fait, en ce moment, investir sur Viac 3a signifie investir dans l&#8217;un des comptes 3a les moins co\u00fbteux en frais de gestion ! Surtout si tu partages ton code promo Viac 3a.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-9\"><span class=\"ez-toc-section\" id=\"Les_frais_indirects\"><\/span>Les frais indirects<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6ad5dc800cc37&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6ad5dc800cc37\" 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;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;title&quot;:&quot;counting currency in a leather wallet&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 - Viac 3a : Pr\u00e9parer son futur n'a jamais \u00e9t\u00e9 aussi simple\" class=\"wp-image-25245\" style=\"aspect-ratio:1.5677308728668244;width:149px;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 3a n&#8217;ait pas de frais indirects ou de 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-10 wp-block-paragraph\">\ud83d\udc49 <strong>En ce qui concerne les principaux frais indirects, selon mon analyse, Viac 3a se comporte tr\u00e8s bien !<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">En effet, il n&#8217;y pas de frais pour par exemple:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>TER <\/li>\n\n\n\n<li>Frais d&#8217;entr\u00e9e<\/li>\n\n\n\n<li>Frais de transaction<\/li>\n\n\n\n<li>Frais administratifs<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Je n&#8217;ai pas trouv\u00e9 de frais suppl\u00e9mentaires pour Viac 3a, sauf pour l&#8217;achat d&#8217;une propri\u00e9t\u00e9.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-11\"><span class=\"ez-toc-section\" id=\"La_strategie_dinvestissement\"><\/span>La strat\u00e9gie d&#8217;investissement<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6ad5dc800da36&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6ad5dc800da36\" 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=\"25277\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/viac-3a-preparer-son-futur-jamais-ete-aussi-simple\/pexels-photo-30572289-3\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-30572289-edited-1.jpeg?fit=867%2C867&amp;ssl=1\" data-orig-size=\"867,867\" data-comments-opened=\"1\" data-image-meta=\"{&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;title&quot;:&quot;analyzing trading data on digital tablet&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-1.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-1.jpeg?resize=867%2C867&#038;ssl=1\" alt=\"analyzing trading data on digital tablet - Viac 3a : Pr\u00e9parer son futur n'a jamais \u00e9t\u00e9 aussi simple\" class=\"wp-image-25277\" style=\"aspect-ratio:0.6738615425111871;width:77px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-30572289-edited-1.jpeg?w=867&amp;ssl=1 867w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-30572289-edited-1.jpeg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-30572289-edited-1.jpeg?resize=600%2C600&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-30572289-edited-1.jpeg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-30572289-edited-1.jpeg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-30572289-edited-1.jpeg?resize=12%2C12&amp;ssl=1 12w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-30572289-edited-1.jpeg?resize=800%2C800&amp;ssl=1 800w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-30572289-edited-1.jpeg?resize=400%2C400&amp;ssl=1 400w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-30572289-edited-1.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-12 wp-block-paragraph\"><strong>Viac 3a propose 7 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 ou liquidit\u00e9s<\/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 \/ Placements alternatifs<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">0<\/td><td class=\"has-text-align-center\" data-align=\"center\">0%<\/td><td class=\"has-text-align-center\" data-align=\"center\">100%<\/td><td class=\"has-text-align-center\" data-align=\"center\">0%<\/td><td class=\"has-text-align-center\" data-align=\"center\">0%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Plus<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">5%<\/td><td class=\"has-text-align-center\" data-align=\"center\">95%<\/td><td class=\"has-text-align-center\" data-align=\"center\">0%<\/td><td class=\"has-text-align-center\" data-align=\"center\">0%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>20<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">20%<\/td><td class=\"has-text-align-center\" data-align=\"center\">68%<\/td><td class=\"has-text-align-center\" data-align=\"center\">10%<\/td><td class=\"has-text-align-center\" data-align=\"center\">2%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>40<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">40%<\/td><td class=\"has-text-align-center\" data-align=\"center\">47%<\/td><td class=\"has-text-align-center\" data-align=\"center\">10%<\/td><td class=\"has-text-align-center\" data-align=\"center\">3%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">60<\/td><td class=\"has-text-align-center\" data-align=\"center\">60%<\/td><td class=\"has-text-align-center\" data-align=\"center\">26%<\/td><td class=\"has-text-align-center\" data-align=\"center\">10%<\/td><td class=\"has-text-align-center\" data-align=\"center\">4%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>80<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">80%<\/td><td class=\"has-text-align-center\" data-align=\"center\">5%<\/td><td class=\"has-text-align-center\" data-align=\"center\">10%<\/td><td class=\"has-text-align-center\" data-align=\"center\">5%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>100<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">99%<\/td><td class=\"has-text-align-center\" data-align=\"center\">1%<\/td><td class=\"has-text-align-center\" data-align=\"center\">0%<\/td><td class=\"has-text-align-center\" data-align=\"center\">0%<\/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-13 wp-block-paragraph\">\ud83d\udc49 <strong>Les 7 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\">De plus, il y a la possibilit\u00e9 d&#8217;investir individuellement si le client le souhaite.<\/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 global 100 est la plus int\u00e9ressante sur une longue dur\u00e9e (plus que 10 ans) !<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-14\"><span class=\"ez-toc-section\" id=\"La_pourcentage_dinvestissement_en_Suisse_a_letranger\"><\/span>La pourcentage d&#8217;investissement en Suisse &amp; \u00e0 l&#8217;\u00e9tranger<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6ad5dc800f016&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6ad5dc800f016\" 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;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;title&quot;:&quot;world map illustration&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 - Viac 3a : Pr\u00e9parer son futur n'a jamais \u00e9t\u00e9 aussi simple\" class=\"wp-image-25252\" style=\"aspect-ratio:2.003129890453834;width:152px;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\">Selon mon opinion, il est important d&#8217;investir un pourcentage \u00e9lev\u00e9 de son compte 3a \u00e0 l&#8217;international pour se diversifier, m\u00eame si une partie doit \u00eatre investie en Suisse.<\/p>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-15 wp-block-paragraph\">\ud83d\udc49 <strong>Viac 3a permet d&#8217;investir \u00e0 l&#8217;\u00e9tranger jusqu&#8217;\u00e0 100%. C&#8217;est tr\u00e8s appr\u00e9ciable.<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">En ce qui concerne la strat\u00e9gie global, voici la r\u00e9partition d&#8217;investissement de Viac Global 100:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>39,5% en Suisse<\/li>\n\n\n\n<li>33,8% aux USA<\/li>\n\n\n\n<li>26,7% hors Suisse et USA<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Selon mon opinion, le pourcentage investi aux USA est l\u00e9g\u00e8rement faible. En effet, j&#8217;augmenterais \u00e0 36% aux USA et diminuerais \u00e0 24% hors de la Suisse et des USA.<\/p>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-16 wp-block-paragraph\">\ud83d\udc49 Cependant,<strong> si on analyse l&#8217;ensemble de la strat\u00e9gie, elle correspond \u00e0 mes exigences minimales (60% dans le monde et 40% en Suisse). De ce fait, la strat\u00e9gie est top !<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-17\"><span class=\"ez-toc-section\" id=\"Le_choix_dinvestissement\"><\/span>Le choix d&#8217;investissement<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6ad5dc800ff94&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6ad5dc800ff94\" 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;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;title&quot;:&quot;close up photo of monitor&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 - Viac 3a : Pr\u00e9parer son futur n'a jamais \u00e9t\u00e9 aussi simple\" class=\"wp-image-25254\" style=\"aspect-ratio:1.3239553165080677;width:129px;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-18 wp-block-paragraph\"><strong>Viac 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>Global = Investissement dans le monde entier<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>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>Suisse = Investir 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-19 wp-block-paragraph\">\ud83d\udc49 <strong>Selon mon opinion, je ne suis pas adepte des investissements 100% suisses ou des investissements qui favorisent les actions durables. En effet, je privil\u00e9gie l&#8217;option globale <\/strong>! (opinion personnelle, pas un conseil 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-20 wp-block-paragraph\"><strong>Notons \u00e9galement que Viac 3a permet de d&#8217;investir majoritairement via des fonds indiciels de Swisscanto. Selon moi, c&#8217;est une excellente option !<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-21\"><span class=\"ez-toc-section\" id=\"Le_rendement_dinvestissement\"><\/span>Le rendement d&#8217;investissement<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6ad5dc8010c6d&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6ad5dc8010c6d\" 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=\"25277\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/viac-3a-preparer-son-futur-jamais-ete-aussi-simple\/pexels-photo-30572289-3\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-30572289-edited-1.jpeg?fit=867%2C867&amp;ssl=1\" data-orig-size=\"867,867\" data-comments-opened=\"1\" data-image-meta=\"{&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;title&quot;:&quot;analyzing trading data on digital tablet&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-1.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-1.jpeg?resize=867%2C867&#038;ssl=1\" alt=\"analyzing trading data on digital tablet\" class=\"wp-image-25277\" style=\"aspect-ratio:0.6738615425111871;width:77px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-30572289-edited-1.jpeg?w=867&amp;ssl=1 867w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-30572289-edited-1.jpeg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-30572289-edited-1.jpeg?resize=600%2C600&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-30572289-edited-1.jpeg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-30572289-edited-1.jpeg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-30572289-edited-1.jpeg?resize=12%2C12&amp;ssl=1 12w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-30572289-edited-1.jpeg?resize=800%2C800&amp;ssl=1 800w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-30572289-edited-1.jpeg?resize=400%2C400&amp;ssl=1 400w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-30572289-edited-1.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-22 wp-block-paragraph\">\ud83d\udc49 <strong>Viac 3a a obtenu un rendement pass\u00e9 tr\u00e8s bon.<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Par exemple, avec global 100, au moment de l&#8217;\u00e9criture de cet article (novembre 2025), le rendement en 10 ans est de 9,4% annualis\u00e9 ! C&#8217;est top !<\/p>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-23 wp-block-paragraph\"><strong>De ce fait, il est tr\u00e8s satisfaisant de savoir que le rendement pass\u00e9 avec les strat\u00e9gies 100 de Viac est tr\u00e8s bon !<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-24\"><span class=\"ez-toc-section\" id=\"La_securite_du_3a\"><\/span>La s\u00e9curit\u00e9 du 3a<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6ad5dc8011740&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6ad5dc8011740\" 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;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;title&quot;:&quot;security logo&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:153px;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 Viac 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, je n&#8217;ai constat\u00e9 aucun risque majeur (mais je ne suis pas un expert informatique).<\/p>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-25 wp-block-paragraph\">\ud83d\udc49 <strong>En conclusion, la s\u00e9curit\u00e9 de Viac 3a est tr\u00e8s bonne !<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-26\"><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><\/h2>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6ad5dc80126f2&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6ad5dc80126f2\" 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;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;title&quot;:&quot;white numbers on red background&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 -Viac 3a : Pr\u00e9parer son futur n'a jamais \u00e9t\u00e9 aussi simple \" class=\"wp-image-25258\" style=\"aspect-ratio:1.484230055658627;width:132px;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\">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 quelques 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-27 wp-block-paragraph\">\ud83d\udc49 <strong>Notons que Viac 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<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-28\"><span class=\"ez-toc-section\" id=\"La_simplicite_dutilisation\"><\/span>La simplicit\u00e9 d&#8217;utilisation<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6ad5dc801368a&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6ad5dc801368a\" 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;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;title&quot;:&quot;person using android smartphone&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:124px;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-29 wp-block-paragraph\">\ud83d\udc49<strong> Il suffit d&#8217;ajouter de l&#8217;argent dans son compte Viac 3a avec un versement et Viac 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<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-30\"><span class=\"ez-toc-section\" id=\"Le_service_client\"><\/span>Le service client<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6ad5dc8014513&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6ad5dc8014513\" 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;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;title&quot;:&quot;woman in white crew neck t shirt using silver macbook&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:110px;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-31 wp-block-paragraph\"><strong>Selon mon exp\u00e9rience, le service client avec Viac 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<p class=\"has-text-align-center wp-block-paragraph\">Avec l&#8217;application de Viac, les r\u00e9ponses sont g\u00e9n\u00e9ralement donn\u00e9es en moins de 10 minutes par un humain.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-white-color has-vivid-red-background-color has-text-color has-background has-link-color wp-elements-32\"><span class=\"ez-toc-section\" id=\"Conclusion_Viac_3a\"><\/span>Conclusion Viac 3a<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"has-text-align-center has-light-green-cyan-color has-text-color has-link-color wp-elements-33 wp-block-paragraph\"><strong>Viac 3a : Pr\u00e9parer son futur n&#8217;a jamais \u00e9t\u00e9 aussi simple<\/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-34 wp-block-paragraph\"><strong>Analysons avec un tableau, un r\u00e9sum\u00e9 de Viac 3a ainsi que ma ponctuation personnelle<\/strong> \ud83d\ude09<\/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 &#8211; 0.40%<\/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\">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\">9 \/ 10<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Choix des strat\u00e9gies<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tr\u00e8s vari\u00e9<\/td><td class=\"has-text-align-center\" data-align=\"center\">10 \/ 10<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Possibilit\u00e9 d&#8217;investir \u00e0 99% 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\">39,5% en Suisse<br>60,5% \u00e0 l&#8217;\u00e9tranger<br><\/td><td class=\"has-text-align-center\" data-align=\"center\">10 \/ 10<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Simplicit\u00e9 d&#8217;utilisation<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tr\u00e8s simple<\/td><td class=\"has-text-align-center\" data-align=\"center\">10 \/ 10<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Nombre de portefeuille maximal que le client peut d\u00e9tenir<\/td><td class=\"has-text-align-center\" data-align=\"center\">5<\/td><td class=\"has-text-align-center\" data-align=\"center\">9.5 \/ 10<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">S\u00e9curit\u00e9 du 3a<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tr\u00e8s bonne<\/td><td class=\"has-text-align-center\" data-align=\"center\">9.5 \/ 10<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Service client<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tr\u00e8s bon<\/td><td class=\"has-text-align-center\" data-align=\"center\">9.5 \/ 10<\/td><\/tr><\/tbody><tfoot><tr><td class=\"has-text-align-center\" data-align=\"center\"><\/td><td class=\"has-text-align-center\" data-align=\"center\"><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#eed792\" class=\"has-inline-color\">9.65 \/ 10<\/mark><\/strong><\/td><\/tr><\/tfoot><\/table><\/figure>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Viac 3a obtient une note globale tr\u00e8s bonne de <strong>9.65 \/ 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-35 wp-block-paragraph\">\ud83d\udc49 <strong>Selon mon avis, Viac 3a est un tr\u00e8s bon choix pour ouvrir un compte 3a.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-36\"><span class=\"ez-toc-section\" id=\"Viac_3a_VS_autres_comptes_3a\"><\/span>Viac 3a VS autres comptes 3a<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Selon mon opinion, Viac 3a est un des quatre meilleurs comptes 3a en Suisse. Les seuls concurrents s\u00e9rieux de Viac 3a sont Neon 3a, True wealth 3a et Finpension 3a.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"> <strong>\ud83d\udc49 Je pense qu&#8217;au moment de l&#8217;\u00e9criture de cet article, Viac et Finpension sont les deux meilleurs 3a en Suisse si on analyse rentabilit\u00e9 \/ Commissions \/ Simplicit\u00e9.<\/strong><\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6ad5dc8016975&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6ad5dc8016975\" class=\"wp-block-image aligncenter size-large is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"600\" data-attachment-id=\"32500\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/viac-3a-preparer-son-futur-jamais-ete-aussi-simple\/graphique-viac-global-100-3a\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/graphique-viac-global-100-3a.png?fit=1254%2C1254&amp;ssl=1\" data-orig-size=\"1254,1254\" data-comments-opened=\"1\" data-image-title=\"graphique &amp;#8211; viac global 100 3a\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/graphique-viac-global-100-3a.png?fit=600%2C600&amp;ssl=1\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/graphique-viac-global-100-3a.png?resize=600%2C600&#038;ssl=1\" alt=\"\" class=\"wp-image-32500\" style=\"width:460px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/graphique-viac-global-100-3a.png?resize=600%2C600&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/graphique-viac-global-100-3a.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/graphique-viac-global-100-3a.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/graphique-viac-global-100-3a.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/graphique-viac-global-100-3a.png?resize=12%2C12&amp;ssl=1 12w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/graphique-viac-global-100-3a.png?resize=1200%2C1200&amp;ssl=1 1200w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/graphique-viac-global-100-3a.png?resize=800%2C800&amp;ssl=1 800w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/graphique-viac-global-100-3a.png?resize=400%2C400&amp;ssl=1 400w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/graphique-viac-global-100-3a.png?resize=200%2C200&amp;ssl=1 200w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/graphique-viac-global-100-3a.png?resize=100%2C100&amp;ssl=1 100w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/graphique-viac-global-100-3a.png?w=1254&amp;ssl=1 1254w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-light-green-cyan-color has-text-color has-link-color wp-elements-37\"><span class=\"ez-toc-section\" id=\"Viac_3a_Preparer_son_futur_na_jamais_ete_aussi_simple-2\"><\/span><strong>Viac 3a : Pr\u00e9parer son futur n&#8217;a jamais \u00e9t\u00e9 aussi simple<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\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=25201\" style=\"font-size: 16px;padding: 15px 23px 15px 23px;margin: 0; margin-left: 10px;border-radius: 0px;border-width: 1px; background-color: #113AF5; color: #FFFFFF; text-decoration: none; white-space: nowrap; margin-left: 0\">Abonne-toi<\/a>\n\t\t\t\t\t<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-luminous-vivid-amber-color has-text-color has-background\" style=\"background-color:#2a0202\"><strong>Tu as un projet frugaliste ou minimaliste et tu souhaites une formation? Clique &#8221;<a href=\"https:\/\/minimalistefrugaliste.com\/contact\/\" target=\"_blank\" rel=\"noreferrer noopener\">ici<\/a>&#8221;.<\/strong><\/h5>\n\n\n\n<ul class=\"wp-block-social-links is-content-justification-center is-layout-flex wp-container-core-social-links-is-layout-a89b3969 wp-block-social-links-is-layout-flex\"><li class=\"wp-social-link wp-social-link-youtube wp-block-social-link\"><a href=\"https:\/\/www.youtube.com\/@minimalistefrugaliste\" class=\"wp-block-social-link-anchor\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M21.8,8.001c0,0-0.195-1.378-0.795-1.985c-0.76-0.797-1.613-0.801-2.004-0.847c-2.799-0.202-6.997-0.202-6.997-0.202 h-0.009c0,0-4.198,0-6.997,0.202C4.608,5.216,3.756,5.22,2.995,6.016C2.395,6.623,2.2,8.001,2.2,8.001S2,9.62,2,11.238v1.517 c0,1.618,0.2,3.237,0.2,3.237s0.195,1.378,0.795,1.985c0.761,0.797,1.76,0.771,2.205,0.855c1.6,0.153,6.8,0.201,6.8,0.201 s4.203-0.006,7.001-0.209c0.391-0.047,1.243-0.051,2.004-0.847c0.6-0.607,0.795-1.985,0.795-1.985s0.2-1.618,0.2-3.237v-1.517 C22,9.62,21.8,8.001,21.8,8.001z M9.935,14.594l-0.001-5.62l5.404,2.82L9.935,14.594z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">YouTube<\/span><\/a><\/li>\n\n<li class=\"wp-social-link wp-social-link-linkedin wp-block-social-link\"><a href=\"https:\/\/www.linkedin.com\/in\/minimalistefrugaliste\/\" class=\"wp-block-social-link-anchor\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M19.7,3H4.3C3.582,3,3,3.582,3,4.3v15.4C3,20.418,3.582,21,4.3,21h15.4c0.718,0,1.3-0.582,1.3-1.3V4.3 C21,3.582,20.418,3,19.7,3z M8.339,18.338H5.667v-8.59h2.672V18.338z M7.004,8.574c-0.857,0-1.549-0.694-1.549-1.548 c0-0.855,0.691-1.548,1.549-1.548c0.854,0,1.547,0.694,1.547,1.548C8.551,7.881,7.858,8.574,7.004,8.574z M18.339,18.338h-2.669 v-4.177c0-0.996-0.017-2.278-1.387-2.278c-1.389,0-1.601,1.086-1.601,2.206v4.249h-2.667v-8.59h2.559v1.174h0.037 c0.356-0.675,1.227-1.387,2.526-1.387c2.703,0,3.203,1.779,3.203,4.092V18.338z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">LinkedIn<\/span><\/a><\/li><\/ul>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-background-color has-cyan-bluish-gray-background-color has-text-color has-background\"><strong>N&#8217;h\u00e9site pas \u00e0 lire mes Pages<\/strong><\/h5>\n\n\n<ul class=\"wp-block-page-list\"><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/a-propos-de-moi\/\">\u00c0 propos de moi<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/epargne-frugalisme\/\">\u00c9pargne \/ Frugalisme<\/a><\/li><li class=\"wp-block-pages-list__item menu-item-home\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/\">Bienvenue<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/blog\/\">Blog<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/boutique\/\">Boutique<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/contact-dons\/\">Contact<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/formation-e-book\/\">Formation \/ E-book<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement\/\">Investissement<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/page-minimaliste\/\">Minimaliste<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/mon-compte\/\">Mon compte<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/newsletter\/\">Newsletter<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\">Panier<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/commander\/\">Validation de la commande<\/a><\/li><\/ul>\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-background-color has-cyan-bluish-gray-background-color has-text-color has-background\"><strong>Derniers articles<\/strong><\/h5>\n\n\n<ul class=\"wp-block-latest-posts__list wp-block-latest-posts is-layout-flow wp-block-latest-posts-is-layout-flow\"><li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/apres-10-ans-investissement-en-etf-quel-etf-je-choisirais\/\">Apr\u00e8s 10 ans d\u2019investissement en ETF : quel ETF je choisirais<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/la-liberte-financiere-pourquoi-les-premiers-100000-sont-les-plus-difficiles\/\">La libert\u00e9 financi\u00e8re : pourquoi les premiers 100&#8217;000 sont les plus difficiles<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/meilleur-conseil-du-monde-economiser\/\">Le meilleur conseil du monde pour \u00e9conomiser<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/banque-neon\/\">La banque Neon, le r\u00e9sum\u00e9<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-digitalisation-influence-minimaliste\/\">Comment la digitalisation influence le minimaliste?<\/a><\/li>\n<\/ul>\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-dots\"\/>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-light-green-cyan-color has-text-color\"><strong>Comment vit ce blog?<\/strong><\/h5>\n\n\n\n<p class=\"wp-block-paragraph\">Globalement, ce blog vit du partage d\u2019un mode de vie frugale et minimaliste.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour une question de transparence envers les lecteurs. Tous les produits conseill\u00e9s sont dans le but de rendre la vie moins ch\u00e8re, plus simple et pour favoriser l&#8217;essentiel.<\/p>\n\n\n\n<p class=\"has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-38 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-39\"><strong>J&#8217;ai en effet d\u00e9cid\u00e9 de cr\u00e9er ce blog pour me d\u00e9velopper et aider les lecteurs qui recherchent une vie plus simple et plus \u00e9conome.<\/strong><\/h6>\n\n\n\n<p class=\"wp-block-paragraph\">Comparativement \u00e0 avant, j&#8217;\u00e9tais une personne qui consommais beaucoup <strong><span style=\"text-decoration: underline;\">jusqu&#8217;au jour o\u00f9 j&#8217;ai compris que ma consommation me rendais plus triste et plus pauvre<\/span><\/strong> \ud83d\ude11<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D\u00e9sormais, <strong><span style=\"text-decoration: underline;\">je privil\u00e9gie le minimum de mes besoins pour \u00eatre heureux et atteindre ma libert\u00e9 financi\u00e8re.<\/span><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sans me rendre compte, j<strong><span style=\"text-decoration: underline;\">&#8216;ai commenc\u00e9 \u00e0 privil\u00e9gier l&#8217;\u00e9pargne et les investissements pour d\u00e9pendre d&#8217;un patron le moins longtemps possible<\/span><\/strong> et pour acc\u00e9l\u00e9rer mes projets personnels.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">De ce fait, je m&#8217;enrichis d&#8217;une fa\u00e7on que j&#8217;aurai jamais imagin\u00e9 vu que j&#8217;ai un salaire moyen en Suisse.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C&#8217;est dans ce but que j&#8217;ai d\u00e9cid\u00e9 de cr\u00e9er ce blog. Afin de partager et apprendre avec d&#8217;autres personnes qui recherchent \u00e0 la libert\u00e9 et la simplicit\u00e9 \ud83d\ude09<\/p>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-light-green-cyan-color has-text-color\"><strong>Es-tu plut\u00f4t minimaliste ou frugaliste Jonny?<\/strong><\/h5>\n\n\n\n<p class=\"has-text-align-left wp-block-paragraph\"><strong><span style=\"text-decoration: underline;\">Je suis aussi bien minimaliste que frugaliste.<\/span><\/strong> Toutefois, il y a des situations o\u00f9 je me penche plus vers un art de vie.<\/p>\n\n\n\n<p class=\"has-text-align-left wp-block-paragraph\">Pour conclure, je pense que le plus important est se sentir confortable dans son art de vie \ud83d\ude0a<\/p>\n\n\n\n<p class=\"has-text-align-center has-light-green-cyan-color has-text-color has-link-color wp-elements-40 wp-block-paragraph\"><strong>Viac 3a : Pr\u00e9parer son futur n&#8217;a jamais \u00e9t\u00e9 aussi simple<\/strong><\/p>\n\n\n\n<p class=\"has-background-color has-text-color has-link-color wp-elements-41 wp-block-paragraph\">Viac 3a : Pr\u00e9parer son futur n&#8217;a jamais \u00e9t\u00e9 aussi simple<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Viac 3a has established itself as one of the best 3a pension solutions in Switzerland thanks to its simple approach and excellent return\/cost ratio.<\/p>","protected":false},"author":215552267,"featured_media":35428,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_wpcom_ai_launchpad_first_post":false,"_jetpack_hide_featured_image":false,"_jetpack_featured_image_duplicate_dismissed":0,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","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":[728546012,728546015,728546010,728546028,728546013,728546022,728546026,728546014,728546021,728546023,728546016,728546011,728546019,728546018],"class_list":["post-25201","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investissement","tag-comparatif-viac-3a-finpension-neon","tag-compte-3a-viac-suisse","tag-meilleur-compte-3a-2026","tag-optimisation-fiscale-compte-3a-suisse","tag-viac-3a-application-mobile","tag-viac-3a-avis-et-test","tag-viac-3a-diversification-portefeuille","tag-viac-3a-frais-bas","tag-viac-3a-investissement-mondial","tag-viac-3a-parrainage-reduction-frais","tag-viac-3a-rendement-eleve","tag-viac-3a-retrait-achat-immobilier","tag-viac-3a-securite-et-protection","tag-viac-3a-strategie-global-100"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Viac 3a : Pr\u00e9parer son futur n&#039;a jamais \u00e9t\u00e9 aussi simple - Minimaliste et Frugaliste<\/title>\n<meta name=\"description\" content=\"VIAC 3a : Pr\u00e9parer son futur n&#039;a jamais \u00e9t\u00e9 aussi simple, gr\u00e2ce \u00e0 des frais bas et une gestion optimis\u00e9e pour le 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\/viac-3a-preparing-your-future-has-never-been-so-simple\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Viac 3a : Pr\u00e9parer son futur n&#039;a jamais \u00e9t\u00e9 aussi simple - Minimaliste et Frugaliste\" \/>\n<meta property=\"og:description\" content=\"VIAC 3a : Pr\u00e9parer son futur n&#039;a jamais \u00e9t\u00e9 aussi simple, gr\u00e2ce \u00e0 des frais bas et une gestion optimis\u00e9e pour le 3e pilier \ud83d\ude09\" \/>\n<meta property=\"og:url\" content=\"https:\/\/minimalistefrugaliste.com\/en\/viac-3a-preparing-your-future-has-never-been-so-simple\/\" \/>\n<meta property=\"og:site_name\" content=\"Minimaliste et Frugaliste\" \/>\n<meta property=\"article:published_time\" content=\"2026-08-23T16:00:40+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-09-23T06:28:58+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/pochette-invest-viac-3a.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1536\" \/>\n\t<meta property=\"og:image:height\" content=\"1024\" \/>\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=\"13 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/viac-3a-preparer-son-futur-jamais-ete-aussi-simple\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/viac-3a-preparer-son-futur-jamais-ete-aussi-simple\\\/\"},\"author\":{\"name\":\"Minimaliste et Frugaliste\",\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/#\\\/schema\\\/person\\\/53bc683d7aaaffc590f5316600c765aa\"},\"headline\":\"Viac 3a : Pr\u00e9parer son futur n&#8217;a jamais \u00e9t\u00e9 aussi simple\",\"datePublished\":\"2026-08-23T16:00:40+00:00\",\"dateModified\":\"2026-09-23T06:28:58+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/viac-3a-preparer-son-futur-jamais-ete-aussi-simple\\\/\"},\"wordCount\":1982,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/#\\\/schema\\\/person\\\/53bc683d7aaaffc590f5316600c765aa\"},\"image\":{\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/viac-3a-preparer-son-futur-jamais-ete-aussi-simple\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/i0.wp.com\\\/minimalistefrugaliste.com\\\/wp-content\\\/uploads\\\/2026\\\/08\\\/pochette-invest-viac-3a.png?fit=1536%2C1024&ssl=1\",\"keywords\":[\"comparatif Viac 3a Finpension Neon\",\"compte 3a Viac Suisse\",\"meilleur compte 3a 2026\",\"optimisation fiscale compte 3a Suisse\",\"Viac 3a application mobile\",\"Viac 3a avis et test\",\"Viac 3a diversification portefeuille\",\"Viac 3a frais bas\",\"Viac 3a investissement mondial\",\"Viac 3a parrainage r\u00e9duction frais\",\"Viac 3a rendement \u00e9lev\u00e9\",\"Viac 3a retrait achat immobilier\",\"Viac 3a s\u00e9curit\u00e9 et protection\",\"Viac 3a strat\u00e9gie Global 100\"],\"articleSection\":[\"Investissement\"],\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/minimalistefrugaliste.com\\\/viac-3a-preparer-son-futur-jamais-ete-aussi-simple\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/viac-3a-preparer-son-futur-jamais-ete-aussi-simple\\\/\",\"url\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/viac-3a-preparer-son-futur-jamais-ete-aussi-simple\\\/\",\"name\":\"Viac 3a : Pr\u00e9parer son futur n'a jamais \u00e9t\u00e9 aussi simple - Minimaliste et Frugaliste\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/viac-3a-preparer-son-futur-jamais-ete-aussi-simple\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/viac-3a-preparer-son-futur-jamais-ete-aussi-simple\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/i0.wp.com\\\/minimalistefrugaliste.com\\\/wp-content\\\/uploads\\\/2026\\\/08\\\/pochette-invest-viac-3a.png?fit=1536%2C1024&ssl=1\",\"datePublished\":\"2026-08-23T16:00:40+00:00\",\"dateModified\":\"2026-09-23T06:28:58+00:00\",\"description\":\"VIAC 3a : Pr\u00e9parer son futur n'a jamais \u00e9t\u00e9 aussi simple, gr\u00e2ce \u00e0 des frais bas et une gestion optimis\u00e9e pour le 3e pilier \ud83d\ude09\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/viac-3a-preparer-son-futur-jamais-ete-aussi-simple\\\/#breadcrumb\"},\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/minimalistefrugaliste.com\\\/viac-3a-preparer-son-futur-jamais-ete-aussi-simple\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/viac-3a-preparer-son-futur-jamais-ete-aussi-simple\\\/#primaryimage\",\"url\":\"https:\\\/\\\/i0.wp.com\\\/minimalistefrugaliste.com\\\/wp-content\\\/uploads\\\/2026\\\/08\\\/pochette-invest-viac-3a.png?fit=1536%2C1024&ssl=1\",\"contentUrl\":\"https:\\\/\\\/i0.wp.com\\\/minimalistefrugaliste.com\\\/wp-content\\\/uploads\\\/2026\\\/08\\\/pochette-invest-viac-3a.png?fit=1536%2C1024&ssl=1\",\"width\":1536,\"height\":1024},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/viac-3a-preparer-son-futur-jamais-ete-aussi-simple\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Viac 3a : Pr\u00e9parer son futur n&#8217;a jamais \u00e9t\u00e9 aussi simple\"}]},{\"@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":"Viac 3a: Preparing for your future has never been easier - Minimalist and Frugal","description":"VIAC 3a: Preparing for your future has never been easier, thanks to low fees and optimized management for the 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\/viac-3a-preparing-your-future-has-never-been-so-simple\/","og_locale":"en_GB","og_type":"article","og_title":"Viac 3a : Pr\u00e9parer son futur n'a jamais \u00e9t\u00e9 aussi simple - Minimaliste et Frugaliste","og_description":"VIAC 3a : Pr\u00e9parer son futur n'a jamais \u00e9t\u00e9 aussi simple, gr\u00e2ce \u00e0 des frais bas et une gestion optimis\u00e9e pour le 3e pilier \ud83d\ude09","og_url":"https:\/\/minimalistefrugaliste.com\/en\/viac-3a-preparing-your-future-has-never-been-so-simple\/","og_site_name":"Minimaliste et Frugaliste","article_published_time":"2026-08-23T16:00:40+00:00","article_modified_time":"2026-09-23T06:28:58+00:00","og_image":[{"width":1536,"height":1024,"url":"https:\/\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/pochette-invest-viac-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":"13 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/minimalistefrugaliste.com\/viac-3a-preparer-son-futur-jamais-ete-aussi-simple\/#article","isPartOf":{"@id":"https:\/\/minimalistefrugaliste.com\/viac-3a-preparer-son-futur-jamais-ete-aussi-simple\/"},"author":{"name":"Minimaliste et Frugaliste","@id":"https:\/\/minimalistefrugaliste.com\/#\/schema\/person\/53bc683d7aaaffc590f5316600c765aa"},"headline":"Viac 3a : Pr\u00e9parer son futur n&#8217;a jamais \u00e9t\u00e9 aussi simple","datePublished":"2026-08-23T16:00:40+00:00","dateModified":"2026-09-23T06:28:58+00:00","mainEntityOfPage":{"@id":"https:\/\/minimalistefrugaliste.com\/viac-3a-preparer-son-futur-jamais-ete-aussi-simple\/"},"wordCount":1982,"commentCount":0,"publisher":{"@id":"https:\/\/minimalistefrugaliste.com\/#\/schema\/person\/53bc683d7aaaffc590f5316600c765aa"},"image":{"@id":"https:\/\/minimalistefrugaliste.com\/viac-3a-preparer-son-futur-jamais-ete-aussi-simple\/#primaryimage"},"thumbnailUrl":"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/pochette-invest-viac-3a.png?fit=1536%2C1024&ssl=1","keywords":["comparatif Viac 3a Finpension Neon","compte 3a Viac Suisse","meilleur compte 3a 2026","optimisation fiscale compte 3a Suisse","Viac 3a application mobile","Viac 3a avis et test","Viac 3a diversification portefeuille","Viac 3a frais bas","Viac 3a investissement mondial","Viac 3a parrainage r\u00e9duction frais","Viac 3a rendement \u00e9lev\u00e9","Viac 3a retrait achat immobilier","Viac 3a s\u00e9curit\u00e9 et protection","Viac 3a strat\u00e9gie Global 100"],"articleSection":["Investissement"],"inLanguage":"en-GB","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/minimalistefrugaliste.com\/viac-3a-preparer-son-futur-jamais-ete-aussi-simple\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/minimalistefrugaliste.com\/viac-3a-preparer-son-futur-jamais-ete-aussi-simple\/","url":"https:\/\/minimalistefrugaliste.com\/viac-3a-preparer-son-futur-jamais-ete-aussi-simple\/","name":"Viac 3a: Preparing for your future has never been easier - Minimalist and Frugal","isPartOf":{"@id":"https:\/\/minimalistefrugaliste.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/minimalistefrugaliste.com\/viac-3a-preparer-son-futur-jamais-ete-aussi-simple\/#primaryimage"},"image":{"@id":"https:\/\/minimalistefrugaliste.com\/viac-3a-preparer-son-futur-jamais-ete-aussi-simple\/#primaryimage"},"thumbnailUrl":"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/pochette-invest-viac-3a.png?fit=1536%2C1024&ssl=1","datePublished":"2026-08-23T16:00:40+00:00","dateModified":"2026-09-23T06:28:58+00:00","description":"VIAC 3a: Preparing for your future has never been easier, thanks to low fees and optimized management for the 3rd pillar \ud83d\ude09","breadcrumb":{"@id":"https:\/\/minimalistefrugaliste.com\/viac-3a-preparer-son-futur-jamais-ete-aussi-simple\/#breadcrumb"},"inLanguage":"en-GB","potentialAction":[{"@type":"ReadAction","target":["https:\/\/minimalistefrugaliste.com\/viac-3a-preparer-son-futur-jamais-ete-aussi-simple\/"]}]},{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/minimalistefrugaliste.com\/viac-3a-preparer-son-futur-jamais-ete-aussi-simple\/#primaryimage","url":"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/pochette-invest-viac-3a.png?fit=1536%2C1024&ssl=1","contentUrl":"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/pochette-invest-viac-3a.png?fit=1536%2C1024&ssl=1","width":1536,"height":1024},{"@type":"BreadcrumbList","@id":"https:\/\/minimalistefrugaliste.com\/viac-3a-preparer-son-futur-jamais-ete-aussi-simple\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/minimalistefrugaliste.com\/"},{"@type":"ListItem","position":2,"name":"Viac 3a : Pr\u00e9parer son futur n&#8217;a jamais \u00e9t\u00e9 aussi simple"}]},{"@type":"WebSite","@id":"https:\/\/minimalistefrugaliste.com\/#website","url":"https:\/\/minimalistefrugaliste.com\/","name":"Minimalism and Frugalism","description":"Essentials, simplicity and financial freedom","publisher":{"@id":"https:\/\/minimalistefrugaliste.com\/#\/schema\/person\/53bc683d7aaaffc590f5316600c765aa"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/minimalistefrugaliste.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-GB"},{"@type":["Person","Organization"],"@id":"https:\/\/minimalistefrugaliste.com\/#\/schema\/person\/53bc683d7aaaffc590f5316600c765aa","name":"Minimalism and Frugalism","image":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2022\/01\/cropped-mf-1.png?fit=458%2C410&ssl=1","url":"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2022\/01\/cropped-mf-1.png?fit=458%2C410&ssl=1","contentUrl":"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2022\/01\/cropped-mf-1.png?fit=458%2C410&ssl=1","width":458,"height":410,"caption":"Minimaliste et Frugaliste"},"logo":{"@id":"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2022\/01\/cropped-mf-1.png?fit=458%2C410&ssl=1"},"description":"Always looking for the simplest possible and cheapest possible. In order to be as free, rich and happy as possible. I created this blog with the goal of helping other people who share my philosophy. Simplicity, the essentials and financial freedom.","sameAs":["http:\/\/minimalistefrugaliste.com","https:\/\/x.com\/https:\/\/twitter.com\/MinimalFrugal","https:\/\/www.youtube.com\/@minimalistefrugaliste"]}]}},"jetpack_publicize_connections":[],"jetpack_likes_enabled":true,"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/pdCI1c-6yt","jetpack-related-posts":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/pochette-invest-viac-3a.png?fit=1536%2C1024&ssl=1","_links":{"self":[{"href":"https:\/\/minimalistefrugaliste.com\/en\/wp-json\/wp\/v2\/posts\/25201","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=25201"}],"version-history":[{"count":48,"href":"https:\/\/minimalistefrugaliste.com\/en\/wp-json\/wp\/v2\/posts\/25201\/revisions"}],"predecessor-version":[{"id":32501,"href":"https:\/\/minimalistefrugaliste.com\/en\/wp-json\/wp\/v2\/posts\/25201\/revisions\/32501"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/minimalistefrugaliste.com\/en\/wp-json\/wp\/v2\/media\/35428"}],"wp:attachment":[{"href":"https:\/\/minimalistefrugaliste.com\/en\/wp-json\/wp\/v2\/media?parent=25201"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/minimalistefrugaliste.com\/en\/wp-json\/wp\/v2\/categories?post=25201"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/minimalistefrugaliste.com\/en\/wp-json\/wp\/v2\/tags?post=25201"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}