{"id":339,"date":"2026-08-19T15:33:17","date_gmt":"2026-08-19T13:33:17","guid":{"rendered":"https:\/\/minimalistefrugaliste.com\/?p=339"},"modified":"2026-08-19T15:41:30","modified_gmt":"2026-08-19T13:41:30","slug":"investing-in-the-third-pillar-has-advantages-and-tax-benefits","status":"publish","type":"post","link":"https:\/\/minimalistefrugaliste.com\/en\/investir-dans-le-troisieme-pilier-a-avantages-et-fiscalite\/","title":{"rendered":"Investing in the Third Pillar A: Advantages and Taxation"},"content":{"rendered":"\n<p class=\"has-text-align-center has-light-green-cyan-color has-text-color wp-block-paragraph\"><strong> Investir dans le Troisi\u00e8me Pilier A : Avantages et Fiscalit\u00e9<\/strong>.<strong>Pour payer moins d\u2019imp\u00f4ts, s\u00e9curiser votre avenir et faire grandir votre capital automatiquement. Le troisi\u00e8me pilier A est l\u2019outil le plus efficace en Suisse pour optimiser votre fiscalit\u00e9 tout en pr\u00e9parant une retraite confortable \ud83d\ude09<\/strong><\/p><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_89 ez-toc-wrap-center counter-flat ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table des mati\u00e8res<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #eeee22;color:#eeee22\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #eeee22;color:#eeee22\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-dans-le-troisieme-pilier-a-avantages-et-fiscalite\/#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\/investir-dans-le-troisieme-pilier-a-avantages-et-fiscalite\/#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\/investir-dans-le-troisieme-pilier-a-avantages-et-fiscalite\/#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\/investir-dans-le-troisieme-pilier-a-avantages-et-fiscalite\/#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\/investir-dans-le-troisieme-pilier-a-avantages-et-fiscalite\/#Investir_dans_le_Troisieme_Pilier_A_Le_Guide_Simple_pour_Economiser_sur_tes_Impots_et_Preparer_ta_Retraite\" >Investir dans le Troisi\u00e8me Pilier A : Le Guide Simple pour \u00c9conomiser sur tes Imp\u00f4ts et Pr\u00e9parer ta Retraite<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-dans-le-troisieme-pilier-a-avantages-et-fiscalite\/#Pourquoi_le_troisieme_pilier_A_est-il_mon_investissement_prefere\" >Pourquoi le troisi\u00e8me pilier A est-il mon investissement pr\u00e9f\u00e9r\u00e9 ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-dans-le-troisieme-pilier-a-avantages-et-fiscalite\/#Comprendre_les_3_piliers_suisses_en_30_secondes\" >Comprendre les 3 piliers suisses en 30 secondes<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-dans-le-troisieme-pilier-a-avantages-et-fiscalite\/#3%E1%B5%89_pilier_A_ou_B_Quelle_difference\" >3\u1d49 pilier A ou B : Quelle diff\u00e9rence ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-dans-le-troisieme-pilier-a-avantages-et-fiscalite\/#Le_3%E1%B5%89_pilier_A_en_3_points_cles\" >Le 3\u1d49 pilier A en 3 points cl\u00e9s<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-dans-le-troisieme-pilier-a-avantages-et-fiscalite\/#1%EF%B8%8F%E2%83%A3_Tu_reduis_tes_impots\" >1\ufe0f\u20e3 Tu r\u00e9duis tes imp\u00f4ts<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-dans-le-troisieme-pilier-a-avantages-et-fiscalite\/#2%EF%B8%8F%E2%83%A3_Ton_argent_est_bloque%E2%80%A6_mais_en_securite\" >2\ufe0f\u20e3 Ton argent est bloqu\u00e9\u2026 mais en s\u00e9curit\u00e9<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-dans-le-troisieme-pilier-a-avantages-et-fiscalite\/#3%EF%B8%8F%E2%83%A3_Tu_peux_investir_ton_3%E1%B5%89_pilier_A\" >3\ufe0f\u20e3 Tu peux investir ton 3\u1d49 pilier A<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-dans-le-troisieme-pilier-a-avantages-et-fiscalite\/#Les_2_types_de_comptes_3%E1%B5%89_pilier_A\" >Les 2 types de comptes 3\u1d49 pilier A<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-dans-le-troisieme-pilier-a-avantages-et-fiscalite\/#Mon_conseil_Privilegie_un_3a_Global_100\" >Mon conseil : Privil\u00e9gie un 3a Global 100<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-dans-le-troisieme-pilier-a-avantages-et-fiscalite\/#Pourquoi_Global_100_avec_Viac_ou_Finpension\" >Pourquoi Global 100 avec Viac ou Finpension ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-dans-le-troisieme-pilier-a-avantages-et-fiscalite\/#Conclusion\" >Conclusion<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-dans-le-troisieme-pilier-a-avantages-et-fiscalite\/#FAQ_Investir_dans_le_Troisieme_Pilier_A_Avantages_et_Fiscalite\" >FAQ : Investir dans le Troisi\u00e8me Pilier A : Avantages et Fiscalit\u00e9<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-dans-le-troisieme-pilier-a-avantages-et-fiscalite\/#Quest-ce_que_le_3%E1%B5%89_pilier_A\" >Qu\u2019est-ce que le 3\u1d49 pilier A ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-dans-le-troisieme-pilier-a-avantages-et-fiscalite\/#Combien_puis-je_verser_sur_mon_3%E1%B5%89_pilier_A_en_2026\" >Combien puis-je verser sur mon 3\u1d49 pilier A en 2026 ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-dans-le-troisieme-pilier-a-avantages-et-fiscalite\/#Quels_sont_les_avantages_fiscaux_du_3%E1%B5%89_pilier_A\" >Quels sont les avantages fiscaux du 3\u1d49 pilier A ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-dans-le-troisieme-pilier-a-avantages-et-fiscalite\/#Quand_puis-je_retirer_mon_3%E1%B5%89_pilier_A\" >Quand puis-je retirer mon 3\u1d49 pilier A ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-dans-le-troisieme-pilier-a-avantages-et-fiscalite\/#Quelle_est_la_difference_entre_le_3%E1%B5%89_pilier_A_et_B\" >Quelle est la diff\u00e9rence entre le 3\u1d49 pilier A et B ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-dans-le-troisieme-pilier-a-avantages-et-fiscalite\/#Ou_ouvrir_un_3%E1%B5%89_pilier_A\" >O\u00f9 ouvrir un 3\u1d49 pilier A ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-dans-le-troisieme-pilier-a-avantages-et-fiscalite\/#Puis-je_investir_mon_3%E1%B5%89_pilier_A_en_bourse\" >Puis-je investir mon 3\u1d49 pilier A en bourse ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-dans-le-troisieme-pilier-a-avantages-et-fiscalite\/#Quels_sont_les_risques_du_3%E1%B5%89_pilier_A\" >Quels sont les risques du 3\u1d49 pilier A ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-dans-le-troisieme-pilier-a-avantages-et-fiscalite\/#Mon_3%E1%B5%89_pilier_A_est-il_securise\" >Mon 3\u1d49 pilier A est-il s\u00e9curis\u00e9 ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-dans-le-troisieme-pilier-a-avantages-et-fiscalite\/#Investir_dans_le_Troisieme_Pilier_A_Avantages_et_Fiscalite\" >Investir dans le Troisi\u00e8me Pilier A : Avantages et Fiscalit\u00e9<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-dans-le-troisieme-pilier-a-avantages-et-fiscalite\/#Investir_dans_le_Troisieme_Pilier_A_Avantages_et_Fiscalite-2\" >Investir dans le Troisi\u00e8me Pilier A : Avantages et Fiscalit\u00e9<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n\n<div data-block-name=\"woocommerce\/product-collection\" data-collection=\"woocommerce\/product-collection\/hand-picked\" data-dimensions=\"{&quot;widthType&quot;:&quot;fill&quot;}\" data-display-layout=\"{&quot;type&quot;:&quot;flex&quot;,&quot;columns&quot;:5,&quot;shrinkColumns&quot;:true}\" data-hide-controls=\"[&quot;inherit&quot;,&quot;hand-picked&quot;,&quot;filterable&quot;,&quot;order&quot;]\" data-query-context-includes=\"[&quot;collection&quot;]\" data-query-id=\"0\" data-query=\"{&quot;perPage&quot;:9,&quot;pages&quot;:0,&quot;offset&quot;:0,&quot;postType&quot;:&quot;product&quot;,&quot;order&quot;:&quot;asc&quot;,&quot;orderBy&quot;:&quot;post__in&quot;,&quot;search&quot;:&quot;&quot;,&quot;exclude&quot;:[],&quot;inherit&quot;:false,&quot;taxQuery&quot;:[],&quot;isProductCollectionBlock&quot;:true,&quot;featured&quot;:false,&quot;woocommerceOnSale&quot;:false,&quot;woocommerceStockStatus&quot;:[&quot;instock&quot;,&quot;outofstock&quot;,&quot;onbackorder&quot;],&quot;woocommerceAttributes&quot;:[],&quot;woocommerceHandPickedProducts&quot;:[&quot;26085&quot;,&quot;26112&quot;,&quot;26137&quot;],&quot;filterable&quot;:false,&quot;relatedBy&quot;:{&quot;categories&quot;:true,&quot;tags&quot;:true}}\" data-tag-name=\"div\" class=\"wp-block-woocommerce-product-collection is-layout-flow wp-block-woocommerce-product-collection-is-layout-flow\">\n<h2 class=\"wp-block-heading\" style=\"margin-bottom:1rem\"><span class=\"ez-toc-section\" id=\"Produits_recommandes\"><\/span>Produits recommand\u00e9s<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n<ul data-block-name=\"woocommerce\/product-template\" class=\"wc-block-product-template__responsive columns-5 wc-block-product-template wp-block-woocommerce-product-template is-layout-flow wp-block-woocommerce-product-template-is-layout-flow\" data-wp-on--scroll=\"actions.watchScroll\" data-wp-init=\"callbacks.initResizeObserver\"><li class=\"wc-block-product post-26085 product type-product status-publish has-post-thumbnail product_tag-guide-depargne product_tag-guide-optimisation-financiere-en-suisse product_tag-livre-econome product_tag-livre-economiser product_tag-livre-finances-personnelles product_tag-livre-frugaliste first instock downloadable virtual purchasable product-type-simple\"\n\t\t\t\t\t\n\t\t\t\tdata-wp-interactive=\"woocommerce\/product-collection\"\n\t\t\t\tdata-wp-context='woocommerce\/products::{\"productId\":26085,\"variationId\":null}'\n\t\t\t\tdata-wp-key=\"product-item-26085\"\n\t\t\t\n\t\t\t\t>\n\t\t\t\t\t\n<div data-block-name=\"woocommerce\/product-image\" data-image-sizing=\"thumbnail\" data-is-descendent-of-query-loop=\"true\" data-show-sale-badge=\"false\" class=\"wc-block-components-product-image wc-block-grid__product-image wc-block-components-product-image--aspect-ratio-1-1 wp-block-woocommerce-product-image\"><a href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/50-astuces-pour-economiser-en-suisse\/\" data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\"><img decoding=\"async\" width=\"423\" height=\"600\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?fit=423%2C600&amp;ssl=1\" class=\"attachment-large size-large\" alt=\"Livre E-book - 50 astuces pour \u00e9conomiser en Suisse\" data-testid=\"product-image\" data-image-id=\"26088\" style=\"object-fit:cover;aspect-ratio:1\/1;\" loading=\"lazy\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?w=1409&amp;ssl=1 1409w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=211%2C300&amp;ssl=1 211w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=423%2C600&amp;ssl=1 423w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=768%2C1090&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=1082%2C1536&amp;ssl=1 1082w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=8%2C12&amp;ssl=1 8w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=1320%2C1874&amp;ssl=1 1320w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=600%2C852&amp;ssl=1 600w\" sizes=\"auto, (max-width: 423px) 100vw, 423px\" data-attachment-id=\"26088\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/?attachment_id=26088\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?fit=1409%2C2000&amp;ssl=1\" data-orig-size=\"1409,2000\" data-comments-opened=\"1\" data-image-title=\"1\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?fit=423%2C600&amp;ssl=1\" \/><div class=\"wc-block-components-product-image__inner-container\" style=\"\">\n\n<\/div><\/a><\/div>\n\n<h2 style=\"line-height:1.4;margin-bottom:0.75rem;margin-top:0\" class=\"wp-block-post-title has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Livre_E-book_%E2%80%93_50_astuces_pour_economiser_en_Suisse\"><\/span><a data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\" href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/50-astuces-pour-economiser-en-suisse\/\" target=\"_self\" >Livre E-book &#8211; 50 astuces pour \u00e9conomiser en Suisse<\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div data-block-name=\"woocommerce\/product-price\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-woocommerce-product-price\" ><div class=\"wc-block-components-product-price wc-block-grid__product-price has-font-size has-small-font-size has-text-align-center\" style=\"\" >\n\t\t\t\t\t<span class=\"woocommerce-Price-amount amount\"><bdi><span class=\"woocommerce-Price-currencySymbol\" translate=\"no\" dir=\"auto\">&#67;&#72;&#70;<\/span>&nbsp;15.00<\/bdi><\/span>\n\t\t\t\t<\/div><\/div>\n\n<div data-block-name=\"woocommerce\/product-button\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-button wc-block-components-product-button align-center wp-block-woocommerce-product-button has-small-font-size\"\n\t\t\t\t\t\n\t\t\tdata-wp-interactive=\"woocommerce\/product-button\"\n\t\t\n\t\t\t\t\tdata-wp-context='{\"quantityToAdd\":1,\"addToCartText\":\"Add to basket\",\"tempQuantity\":0,\"animationStatus\":\"IDLE\",\"inTheCartText\":\"### in basket\",\"noticeId\":\"\",\"hasPressedButton\":false}'\n\t\t\t\t>\n\t\t\t\t\t<button\n\t\t\t\t\t\tclass=\"wp-block-button__link wp-element-button wc-block-components-product-button__button add_to_cart_button ajax_add_to_cart product_type_simple has-font-size has-small-font-size has-text-align-center wc-interactive\"\n\t\t\t\t\t\tstyle=\"\"\n\t\t\t\t\t\ttype=\"button\" data-product_id=\"26085\" data-product_sku=\"\" aria-label=\"Add to basket: &ldquo;Livre E-book - 50 astuces pour \u00e9conomiser en Suisse&rdquo;\"\n\t\t\t\t\t\tdata-wp-on--click=\"actions.addCartItem\"\n\t\t\t\t\t>\n\t\t\t\t\t<span \n\t\t\tdata-wp-text=\"state.addToCartText\"\n\t\t\tdata-wp-class--wc-block-slide-in=\"state.slideInAnimation\"\n\t\t\tdata-wp-class--wc-block-slide-out=\"state.slideOutAnimation\"\n\t\t\tdata-wp-on--animationend=\"actions.handleAnimationEnd\"\n\t\t\tdata-wp-watch=\"callbacks.startAnimation\"\n\t\t\tdata-wp-run=\"callbacks.syncTempQuantityOnLoad\"\n\t\t>Add to basket<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<span\n\t\t\t\thidden\n\t\t\t\tdata-wp-bind--hidden=\"!state.displayViewCart\"\n\t\t\t>\n\t\t\t\t<a\n\t\t\t\t\thref=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\"\n\t\t\t\t\tclass=\"added_to_cart wc_forward\"\n\t\t\t\t\ttitle=\"View basket\"\n\t\t\t\t>\n\t\t\t\t\tView basket\n\t\t\t\t<\/a>\n\t\t\t<\/span>\n\t\t\t\t<\/div>\n\n\t\t\t\t<\/li><li class=\"wc-block-product post-26112 product type-product status-publish has-post-thumbnail product_tag-guide-complet-investissement product_tag-livre-finances-personnelles product_tag-livre-investissement product_tag-livre-investissement-boursier product_tag-livre-liberte-financiere product_tag-livre-sp-500  instock downloadable virtual purchasable product-type-simple\"\n\t\t\t\t\t\n\t\t\t\tdata-wp-interactive=\"woocommerce\/product-collection\"\n\t\t\t\tdata-wp-context='woocommerce\/products::{\"productId\":26112,\"variationId\":null}'\n\t\t\t\tdata-wp-key=\"product-item-26112\"\n\t\t\t\n\t\t\t\t>\n\t\t\t\t\t\n<div data-block-name=\"woocommerce\/product-image\" data-image-sizing=\"thumbnail\" data-is-descendent-of-query-loop=\"true\" data-show-sale-badge=\"false\" class=\"wc-block-components-product-image wc-block-grid__product-image wc-block-components-product-image--aspect-ratio-1-1 wp-block-woocommerce-product-image\"><a href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/financer-investir-son-avenir-mode-emploi\/\" data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\"><img decoding=\"async\" width=\"384\" height=\"600\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?fit=384%2C600&amp;ssl=1\" class=\"attachment-large size-large\" alt=\"Livre E-book - Financer son avenir avec la bourse - mode d&#039;emploi\" data-testid=\"product-image\" data-image-id=\"26114\" style=\"object-fit:cover;aspect-ratio:1\/1;\" loading=\"lazy\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?w=512&amp;ssl=1 512w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=192%2C300&amp;ssl=1 192w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=384%2C600&amp;ssl=1 384w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=8%2C12&amp;ssl=1 8w\" sizes=\"auto, (max-width: 384px) 100vw, 384px\" data-attachment-id=\"26114\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/?attachment_id=26114\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?fit=512%2C800&amp;ssl=1\" data-orig-size=\"512,800\" data-comments-opened=\"1\" data-image-title=\"1\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?fit=384%2C600&amp;ssl=1\" \/><div class=\"wc-block-components-product-image__inner-container\" style=\"\">\n\n<\/div><\/a><\/div>\n\n<h2 style=\"line-height:1.4;margin-bottom:0.75rem;margin-top:0\" class=\"wp-block-post-title has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Livre_E-book_%E2%80%93_Financer_son_avenir_avec_la_bourse_%E2%80%93_mode_demploi\"><\/span><a data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\" href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/financer-investir-son-avenir-mode-emploi\/\" target=\"_self\" >Livre E-book &#8211; Financer son avenir avec la bourse &#8211; mode d&#8217;emploi<\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div data-block-name=\"woocommerce\/product-price\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-woocommerce-product-price\" ><div class=\"wc-block-components-product-price wc-block-grid__product-price has-font-size has-small-font-size has-text-align-center\" style=\"\" >\n\t\t\t\t\t<span class=\"woocommerce-Price-amount amount\"><bdi><span class=\"woocommerce-Price-currencySymbol\" translate=\"no\" dir=\"auto\">&#67;&#72;&#70;<\/span>&nbsp;15.00<\/bdi><\/span>\n\t\t\t\t<\/div><\/div>\n\n<div data-block-name=\"woocommerce\/product-button\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-button wc-block-components-product-button align-center wp-block-woocommerce-product-button has-small-font-size\"\n\t\t\t\t\t\n\t\t\tdata-wp-interactive=\"woocommerce\/product-button\"\n\t\t\n\t\t\t\t\tdata-wp-context='{\"quantityToAdd\":1,\"addToCartText\":\"Add to basket\",\"tempQuantity\":0,\"animationStatus\":\"IDLE\",\"inTheCartText\":\"### in basket\",\"noticeId\":\"\",\"hasPressedButton\":false}'\n\t\t\t\t>\n\t\t\t\t\t<button\n\t\t\t\t\t\tclass=\"wp-block-button__link wp-element-button wc-block-components-product-button__button add_to_cart_button ajax_add_to_cart product_type_simple has-font-size has-small-font-size has-text-align-center wc-interactive\"\n\t\t\t\t\t\tstyle=\"\"\n\t\t\t\t\t\ttype=\"button\" data-product_id=\"26112\" data-product_sku=\"\" aria-label=\"Add to basket: &ldquo;Livre E-book - Financer son avenir avec la bourse - mode d&#039;emploi&rdquo;\"\n\t\t\t\t\t\tdata-wp-on--click=\"actions.addCartItem\"\n\t\t\t\t\t>\n\t\t\t\t\t<span \n\t\t\tdata-wp-text=\"state.addToCartText\"\n\t\t\tdata-wp-class--wc-block-slide-in=\"state.slideInAnimation\"\n\t\t\tdata-wp-class--wc-block-slide-out=\"state.slideOutAnimation\"\n\t\t\tdata-wp-on--animationend=\"actions.handleAnimationEnd\"\n\t\t\tdata-wp-watch=\"callbacks.startAnimation\"\n\t\t\tdata-wp-run=\"callbacks.syncTempQuantityOnLoad\"\n\t\t>Add to basket<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<span\n\t\t\t\thidden\n\t\t\t\tdata-wp-bind--hidden=\"!state.displayViewCart\"\n\t\t\t>\n\t\t\t\t<a\n\t\t\t\t\thref=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\"\n\t\t\t\t\tclass=\"added_to_cart wc_forward\"\n\t\t\t\t\ttitle=\"View basket\"\n\t\t\t\t>\n\t\t\t\t\tView basket\n\t\t\t\t<\/a>\n\t\t\t<\/span>\n\t\t\t\t<\/div>\n\n\t\t\t\t<\/li><li class=\"wc-block-product post-26137 product type-product status-publish has-post-thumbnail product_tag-anti-surconsommation product_tag-autodiscipline product_tag-autonomie product_tag-ecologie product_tag-economie product_tag-epargne product_tag-bien-etre product_tag-bonheur product_tag-bonheur-durable product_tag-consommation-consciente product_tag-desencombrement product_tag-developpement-personnel product_tag-essentialisme product_tag-frugalite product_tag-liberte-financiere product_tag-minimalisme product_tag-mode-de-vie-alternatif product_tag-moins-mais-mieux product_tag-simplicite-volontaire product_tag-slow-living product_tag-sobriete-heureuse product_tag-vie-simple  instock downloadable shipping-taxable purchasable product-type-simple\"\n\t\t\t\t\t\n\t\t\t\tdata-wp-interactive=\"woocommerce\/product-collection\"\n\t\t\t\tdata-wp-context='woocommerce\/products::{\"productId\":26137,\"variationId\":null}'\n\t\t\t\tdata-wp-key=\"product-item-26137\"\n\t\t\t\n\t\t\t\t>\n\t\t\t\t\t\n<div data-block-name=\"woocommerce\/product-image\" data-image-sizing=\"thumbnail\" data-is-descendent-of-query-loop=\"true\" data-show-sale-badge=\"false\" class=\"wc-block-components-product-image wc-block-grid__product-image wc-block-components-product-image--aspect-ratio-1-1 wp-block-woocommerce-product-image\"><a href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/libere-toi-de-la-surconsommation\/\" data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\"><img decoding=\"async\" width=\"376\" height=\"600\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?fit=376%2C600&amp;ssl=1\" class=\"attachment-large size-large\" alt=\"Guide E-book - Lib\u00e8re-toi de la surconsommation\" data-testid=\"product-image\" data-image-id=\"26138\" style=\"object-fit:cover;aspect-ratio:1\/1;\" loading=\"lazy\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?w=1410&amp;ssl=1 1410w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=188%2C300&amp;ssl=1 188w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=376%2C600&amp;ssl=1 376w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=768%2C1226&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=963%2C1536&amp;ssl=1 963w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=1283%2C2048&amp;ssl=1 1283w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=8%2C12&amp;ssl=1 8w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=1320%2C2106&amp;ssl=1 1320w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=600%2C957&amp;ssl=1 600w\" sizes=\"auto, (max-width: 376px) 100vw, 376px\" data-attachment-id=\"26138\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/?attachment_id=26138\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?fit=1410%2C2250&amp;ssl=1\" data-orig-size=\"1410,2250\" data-comments-opened=\"1\" data-image-meta=\"{&quot;orientation&quot;:&quot;1&quot;}\" data-image-title=\"pochette lib\u00e8re-toi de la surconsommation\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?fit=376%2C600&amp;ssl=1\" \/><div class=\"wc-block-components-product-image__inner-container\" style=\"\">\n\n<\/div><\/a><\/div>\n\n<h2 style=\"line-height:1.4;margin-bottom:0.75rem;margin-top:0\" class=\"wp-block-post-title has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Guide_E-book_%E2%80%93_Libere-toi_de_la_surconsommation\"><\/span><a data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\" href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/libere-toi-de-la-surconsommation\/\" target=\"_self\" >Guide E-book &#8211; Lib\u00e8re-toi de la surconsommation<\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div data-block-name=\"woocommerce\/product-price\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-woocommerce-product-price\" ><div class=\"wc-block-components-product-price wc-block-grid__product-price has-font-size has-small-font-size has-text-align-center\" style=\"\" >\n\t\t\t\t\t<span class=\"woocommerce-Price-amount amount\"><bdi><span class=\"woocommerce-Price-currencySymbol\" translate=\"no\" dir=\"auto\">&#67;&#72;&#70;<\/span>&nbsp;10.00<\/bdi><\/span>\n\t\t\t\t<\/div><\/div>\n\n<div data-block-name=\"woocommerce\/product-button\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-button wc-block-components-product-button align-center wp-block-woocommerce-product-button has-small-font-size\"\n\t\t\t\t\t\n\t\t\tdata-wp-interactive=\"woocommerce\/product-button\"\n\t\t\n\t\t\t\t\tdata-wp-context='{\"quantityToAdd\":1,\"addToCartText\":\"Add to basket\",\"tempQuantity\":0,\"animationStatus\":\"IDLE\",\"inTheCartText\":\"### in basket\",\"noticeId\":\"\",\"hasPressedButton\":false}'\n\t\t\t\t>\n\t\t\t\t\t<button\n\t\t\t\t\t\tclass=\"wp-block-button__link wp-element-button wc-block-components-product-button__button add_to_cart_button ajax_add_to_cart product_type_simple has-font-size has-small-font-size has-text-align-center wc-interactive\"\n\t\t\t\t\t\tstyle=\"\"\n\t\t\t\t\t\ttype=\"button\" data-product_id=\"26137\" data-product_sku=\"\" aria-label=\"Add to basket: &ldquo;Guide E-book - Lib\u00e8re-toi de la surconsommation&rdquo;\"\n\t\t\t\t\t\tdata-wp-on--click=\"actions.addCartItem\"\n\t\t\t\t\t>\n\t\t\t\t\t<span \n\t\t\tdata-wp-text=\"state.addToCartText\"\n\t\t\tdata-wp-class--wc-block-slide-in=\"state.slideInAnimation\"\n\t\t\tdata-wp-class--wc-block-slide-out=\"state.slideOutAnimation\"\n\t\t\tdata-wp-on--animationend=\"actions.handleAnimationEnd\"\n\t\t\tdata-wp-watch=\"callbacks.startAnimation\"\n\t\t\tdata-wp-run=\"callbacks.syncTempQuantityOnLoad\"\n\t\t>Add to basket<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<span\n\t\t\t\thidden\n\t\t\t\tdata-wp-bind--hidden=\"!state.displayViewCart\"\n\t\t\t>\n\t\t\t\t<a\n\t\t\t\t\thref=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\"\n\t\t\t\t\tclass=\"added_to_cart wc_forward\"\n\t\t\t\t\ttitle=\"View basket\"\n\t\t\t\t>\n\t\t\t\t\tView basket\n\t\t\t\t<\/a>\n\t\t\t<\/span>\n\t\t\t\t<\/div>\n\n\t\t\t\t<\/li><\/ul>\n\n<\/div>\n\n\n\n<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-1\"><span class=\"ez-toc-section\" id=\"Investir_dans_le_Troisieme_Pilier_A_Le_Guide_Simple_pour_Economiser_sur_tes_Impots_et_Preparer_ta_Retraite\"><\/span><strong>Investir dans le Troisi\u00e8me Pilier A : Le Guide Simple pour \u00c9conomiser sur tes Imp\u00f4ts et Pr\u00e9parer ta Retraite<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Tu veux <strong>payer moins d\u2019imp\u00f4ts<\/strong>, <strong>s\u00e9curiser ton avenir<\/strong> et <strong>faire grandir ton capital sans effort<\/strong> ?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le <strong>3\u1d49 pilier A<\/strong> est selon mon avis, l\u2019outil le plus efficace pour un r\u00e9sident en Suisse pour y parvenir. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D\u00e9couvre pourquoi le 3a est <strong>indispensable<\/strong> pour optimiser ta fiscalit\u00e9 et pr\u00e9parer une retraite confortable, tout en gardant une approche <strong>minimaliste et s\u00e9curis\u00e9e<\/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-2\"><span class=\"ez-toc-section\" id=\"Pourquoi_le_troisieme_pilier_A_est-il_mon_investissement_prefere\"><\/span><strong>Pourquoi le troisi\u00e8me pilier A est-il mon investissement pr\u00e9f\u00e9r\u00e9 ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Si je ne devais conseiller <strong>qu\u2019un seul investissement<\/strong> \u00e0 un habitant de Suisse, ce serait le <strong>3\u1d49 pilier A<\/strong>. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pourquoi ? Parce qu\u2019il combine <strong>simplicit\u00e9, s\u00e9curit\u00e9 et rentabilit\u00e9<\/strong> mieux que tout autre placement.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Simple<\/strong> : Pas besoin d\u2019\u00eatre un expert en finance.<\/li>\n\n\n\n<li><strong>S\u00e9curis\u00e9<\/strong> : Ton argent est prot\u00e9g\u00e9 (selon la banque).<\/li>\n\n\n\n<li><strong>Rentable<\/strong> : Tu r\u00e9duis tes imp\u00f4ts <strong>tout en \u00e9pargnant pour ta retraite<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">En v\u00e9rit\u00e9, c\u2019est tr\u00e8s difficile de trouver un placement qui coche <strong>toutes ces cases<\/strong> \u00e0 la fois<a href=\"https:\/\/www.ch.ch\/fr\/retraite\/prevoyance-vieillesse\/prevoyance-privee-3e-pilier\/\" target=\"_blank\" rel=\"noreferrer noopener\">*<\/a>.<\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6af5034a63a9d&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6af5034a63a9d\" 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=\"32212\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/minimaliste-et-frugaliste-6a859362c1289\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a859362c1289.png?fit=1024%2C1024&amp;ssl=1\" data-orig-size=\"1024,1024\" data-comments-opened=\"1\" data-image-title=\"Comprendre le troisi\u00e8me pilier suisse\" data-image-description=\"&lt;p&gt;Infographie en fran\u00e7ais, sur fond bleu clair, expliquant le fonctionnement du troisi\u00e8me pilier suisse. Des fl\u00e8ches bleues relient l\u2019\u00e9pargne r\u00e9guli\u00e8re, les placements, la croissance potentielle et le capital \u00e0 terme aux revenus de retraite et \u00e0 une retraite sereine. Des illustrations de pi\u00e8ces, billets, b\u00e2timents, arbres, avantages fiscaux, assurance et couple retrait\u00e9 mettent en \u00e9vidence l\u2019\u00e9pargne \u00e0 long terme, les d\u00e9ductions d\u2019imp\u00f4ts et la r\u00e9duction du revenu imposable.&lt;\/p&gt;\n\" data-image-caption=\"&lt;p&gt;Cette infographie explique comment le troisi\u00e8me pilier suisse favorise l\u2019\u00e9pargne retraite et les avantages fiscaux.&lt;\/p&gt;\n\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a859362c1289.png?fit=600%2C600&amp;ssl=1\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a859362c1289.png?resize=600%2C600&#038;ssl=1\" alt=\"Infographie intitul\u00e9e \u00abTROISI\u00c8ME PILIER A SUISSE: \u00c9PARGNE RETRAITE ET AVANTAGE FISCAL\u00bb, pr\u00e9sentant \u00abFONCTIONNEMENT &amp; AVANTAGES\u00bb, \u00abAUJOURD\u2019HUI\u00bb, \u00ab\u00c0 LA RETRAITE\u00bb, \u00abAVANTAGE FISCAL MAJEUR\u00bb, \u00ab\u00c9PARGNE \u00c0 LONG TERME (BLOCBLOC)\u00bb, \u00ab\u00c9PARGNE R\u00c9GULI\u00c8RE\u00bb, \u00abVOTRE RETRAITE\u00bb, \u00abCROISSANCE POTENTIELLE\u00bb, \u00abCAPITAL \u00c0 TERME\u00bb, \u00abD\u00c9DUCTION D\u2019IMP\u00d4TS\u00bb, \u00abR\u00c9DUCTION DU REVENU IMPOSABLE\u00bb, \u00abPLUS D\u2019ARGENT POUR VOUS\u00bb, \u00abAVANTAGES COMPL\u00c9MENTAIRES (ex: assurance)\u00bb, \u00abGAINS D\u2019INT\u00c9R\u00caTS &amp; RENDEMENTS\u00bb, \u00abREVENUS DE RETRAITE\u00bb et \u00abRETRAITE SEREINE\u00bb.\" class=\"wp-image-32212\" style=\"width:296px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a859362c1289.png?resize=600%2C600&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a859362c1289.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a859362c1289.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a859362c1289.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a859362c1289.png?resize=12%2C12&amp;ssl=1 12w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a859362c1289.png?resize=100%2C100&amp;ssl=1 100w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a859362c1289.png?w=1024&amp;ssl=1 1024w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<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=\"Comprendre_les_3_piliers_suisses_en_30_secondes\"><\/span><strong>Comprendre les 3 piliers suisses en 30 secondes<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Avant de plonger dans le 3\u00e8me pilier, faisons un <strong>rappel rapide<\/strong> sur le syst\u00e8me de pr\u00e9voyance suisse :<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--1\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Pilier<\/th><th class=\"has-text-align-center\" data-align=\"center\">Description<\/th><th class=\"has-text-align-center\" data-align=\"center\">\u00c2ge de retrait<\/th><th class=\"has-text-align-center\" data-align=\"center\">Forme de retrait<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>1\u1d49\u02b3 pilier (AVS)<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Pension de base pour couvrir tes besoins vitaux.<\/td><td class=\"has-text-align-center\" data-align=\"center\">63\u201365 ans<\/td><td class=\"has-text-align-center\" data-align=\"center\">Rente mensuelle<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>2\u1d49 pilier (LPP)<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00c9pargne professionnelle (cotisations toi + employeur).<\/td><td class=\"has-text-align-center\" data-align=\"center\">58\u201370 ans<\/td><td class=\"has-text-align-center\" data-align=\"center\">Capital ou rente<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>3\u1d49 pilier<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>\u00c9pargne personnelle<\/strong> avec avantages fiscaux.<\/td><td class=\"has-text-align-center\" data-align=\"center\">60 ans (ou conditions sp\u00e9ciales)<\/td><td class=\"has-text-align-center\" data-align=\"center\">Capital<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Les 1\u1d49\u02b3 et 2\u1d49 piliers ne suffisent souvent <strong>pas<\/strong> pour maintenir ton niveau de vie \u00e0 la retraite.<br>De ce fait, le <strong>3\u1d49 pilier A<\/strong>, cr\u00e9\u00e9 pour combler ce manque.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-4\"><span class=\"ez-toc-section\" id=\"3%E1%B5%89_pilier_A_ou_B_Quelle_difference\"><\/span><strong>3\u1d49 pilier A ou B : Quelle diff\u00e9rence ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">En Suisse, il existe <strong>deux types<\/strong> de 3\u1d49 pilier :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>3\u1d49 pilier A<\/strong> : <strong>Avantages fiscaux garantis<\/strong> pour <strong>tous les r\u00e9sidents suisses.<\/strong><\/li>\n\n\n\n<li><strong>3\u1d49 pilier B<\/strong> : Moins int\u00e9ressant (souvent un simple compte \u00e9pargne), avec des avantages fiscaux <strong>uniquement dans certains cantons<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 <strong>Dans cet article, on se concentre sur le 3\u1d49 pilier A<\/strong>, car c&#8217;est le plus avantageux.<\/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-5\"><span class=\"ez-toc-section\" id=\"Le_3%E1%B5%89_pilier_A_en_3_points_cles\"><\/span><strong>Le 3\u1d49 pilier A en 3 points cl\u00e9s<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1%EF%B8%8F%E2%83%A3_Tu_reduis_tes_impots\"><\/span>1\ufe0f\u20e3 <strong>Tu r\u00e9duis tes imp\u00f4ts<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Chaque franc que tu verses sur ton <strong>3\u1d49 pilier A<\/strong> est <strong>d\u00e9ductible de ton revenu imposable<\/strong>.<br>\ud83d\udc49 <strong>Exemple<\/strong> : Si tu verses <strong>6 000 CHF\/an<\/strong> pendant 10 ans :<br>\u2705 <strong>60 000 CHF \u00e9pargn\u00e9s<\/strong> pour ta retraite.<br>\u2705 <strong>Des milliers de CHF \u00e9conomis\u00e9s en imp\u00f4ts<\/strong> (selon ta tranche fiscale).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udca1 <strong>En 2025<\/strong>, le plafond annuel est de <strong>7 258 CHF<\/strong> pour un employ\u00e9.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2%EF%B8%8F%E2%83%A3_Ton_argent_est_bloque%E2%80%A6_mais_en_securite\"><\/span>2\ufe0f\u20e3 <strong>Ton argent est bloqu\u00e9\u2026 mais en s\u00e9curit\u00e9<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Notons que tu ne peux <strong>pas retirer<\/strong> ton 3\u1d49 pilier A n\u2019importe quand. Les <strong>4 cas autoris\u00e9s<\/strong> sont :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Achat de ta r\u00e9sidence principale<\/strong> (maison\/appartement).<\/li>\n\n\n\n<li><strong>Cr\u00e9ation de ton entreprise<\/strong>.<\/li>\n\n\n\n<li><strong>D\u00e9part d\u00e9finitif \u00e0 l\u2019\u00e9tranger<\/strong>.<\/li>\n\n\n\n<li><strong>Retrait \u00e0 partir de 60 ans<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udd12 <strong>S\u00e9curit\u00e9<\/strong> : V\u00e9rifie que ta banque ou fondation est <strong>r\u00e9gul\u00e9e par la FINMA<\/strong> (autorit\u00e9 suisse de surveillance financi\u00e8re). Afin de comprendre quelle garantie tu as en cas de faillite de ta fondation.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3%EF%B8%8F%E2%83%A3_Tu_peux_investir_ton_3%E1%B5%89_pilier_A\"><\/span>3\ufe0f\u20e3 <strong>Tu peux investir ton 3\u1d49 pilier A<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Ton argent ne doit <strong>pas obligatoirement rester en liquidit\u00e9s<\/strong> ! Tu peux par exemple :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Investir en bourse<\/strong> (jusqu\u2019\u00e0 99% selon ton compte).<\/li>\n\n\n\n<li><strong>Placer dans l\u2019immobilier ou les mati\u00e8res premi\u00e8res<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">En r\u00e9alit\u00e9, selon le compte 3a que tu ouvres, tu peux investir ton 3a et fructifier ton argent.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u26a0\ufe0f <strong>Attention<\/strong> : Investir comporte des <strong>risques<\/strong>. Choisis une strat\u00e9gie adapt\u00e9e \u00e0 ton profil.<\/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-6\"><span class=\"ez-toc-section\" id=\"Les_2_types_de_comptes_3%E1%B5%89_pilier_A\"><\/span><strong>Les 2 types de comptes 3\u1d49 pilier A<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Il y a deux fa\u00e7ons d&#8217;investir ton 3a. Voici les diff\u00e9rences.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--2\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Type<\/th><th class=\"has-text-align-center\" data-align=\"center\">Fonctionnement<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Assurance 3a<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">M\u00e9lange \u00e9pargne, assurance et placements.<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Fondation\/Banque<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Ton argent est plac\u00e9 en liquidit\u00e9s ou en bourse.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Selon mon opinion, je n&#8217;aime pas ouvrir un compte 3a avec une assurance, car il y a g\u00e9n\u00e9ralement beaucoup de conditions et de frais. Je favorise les fondations ou quelques banques.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-7\"><span class=\"ez-toc-section\" id=\"Mon_conseil_Privilegie_un_3a_Global_100\"><\/span><strong>Mon conseil<\/strong> <strong>: Privil\u00e9gie un 3a Global 100<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Si tu me demandes <strong>quel 3\u1d49 pilier A choisir<\/strong>, ma r\u00e9ponse est simple :<br><strong>Opter pour une solution 100% investie en actions mondiales<\/strong>, comme <strong>VIAC 3a Global 100 ou Finpension 3a global 100<\/strong> par exemple.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Notons que ce n&#8217;est pas un conseil d&#8217;investissement, c&#8217;est uniquement mon opinion. Investir comporte des risques de perte d&#8217;argent.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-8\"><span class=\"ez-toc-section\" id=\"Pourquoi_Global_100_avec_Viac_ou_Finpension\"><\/span><strong>Pourquoi Global 100 avec Viac ou Finpension ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Voici les raisons principales : <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Frais ultra-bas<\/strong> : Contrairement \u00e0 beaucoup de banques ou d\u2019assurances, qui te facturent des <strong>frais cach\u00e9s ou exorbitants<\/strong> (parfois plus de 1% par an !), des solutions comme VIAC proposent des <strong>frais transparents et r\u00e9duits<\/strong> (souvent autour de 0,40%).<\/li>\n\n\n\n<li><strong>Pas de conditions abusives<\/strong> : Certaines assurances imposent des <strong>dur\u00e9es de blocage ridicules<\/strong>, des <strong>p\u00e9nalit\u00e9s en cas de retrait anticip\u00e9<\/strong> ou des <strong>rendements limit\u00e9s<\/strong>. Avec un 3a <strong>100% actions<\/strong>, tu \u00e9vites ces pi\u00e8ges.<\/li>\n\n\n\n<li><strong>Rendement optimis\u00e9<\/strong> : En investissant <strong>100% en actions mondiales<\/strong>, tu profites de la <strong>croissance \u00e0 long terme des march\u00e9s<\/strong>, bien sup\u00e9rieure \u00e0 un compte \u00e9pargne classique ou \u00e0 une assurance avec des rendements m\u00e9diocres.<\/li>\n\n\n\n<li>\u2705 <strong>Simplicit\u00e9<\/strong> : Pas besoin de g\u00e9rer ton portefeuille toi-m\u00eame. Tout est <strong>automatis\u00e9 et diversifi\u00e9<\/strong> pour toi.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-vivid-red-background-color has-background\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u2714 <strong>\u00c9conomies d\u2019imp\u00f4ts imm\u00e9diates<\/strong> (jusqu\u2019\u00e0 plusieurs milliers de CHF\/an).<br>\u2714 <strong>\u00c9pargne automatique pour ta retraite<\/strong>.<br>\u2714 <strong>S\u00e9curit\u00e9<\/strong> (ton capital est prot\u00e9\u00e9).<br>\u2714 <strong>Flexibilit\u00e9<\/strong> (tu peux investir selon ton profil de risque).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Investir dans un 3a sur le long terme peut faire cro\u00eetre ton argent, si la soci\u00e9t\u00e9 de ton compte 3a effectue de bons placements. En revanche, il faut accepter un certain risque de perte de capital.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-vivid-red-background-color has-background\"><span class=\"ez-toc-section\" id=\"FAQ_Investir_dans_le_Troisieme_Pilier_A_Avantages_et_Fiscalite\"><\/span><strong>FAQ <\/strong>: Investir dans le Troisi\u00e8me Pilier A : Avantages et Fiscalit\u00e9<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-9\"><span class=\"ez-toc-section\" id=\"Quest-ce_que_le_3%E1%B5%89_pilier_A\"><\/span><strong>Qu\u2019est-ce que le 3\u1d49 pilier A ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">C\u2019est un <strong>compte d\u2019\u00e9pargne retraite<\/strong> avec <strong>avantages fiscaux<\/strong> en Suisse, qui te permet de <strong>r\u00e9duire tes imp\u00f4ts<\/strong> tout en pr\u00e9parant ta retraite.<\/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-10\"><span class=\"ez-toc-section\" id=\"Combien_puis-je_verser_sur_mon_3%E1%B5%89_pilier_A_en_2026\"><\/span><strong>Combien puis-je verser sur mon 3\u1d49 pilier A en 2026 ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le plafond annuel est de <strong>7 258 CHF<\/strong> pour les employ\u00e9s (montant \u00e0 v\u00e9rifier chaque ann\u00e9e).<\/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-11\"><span class=\"ez-toc-section\" id=\"Quels_sont_les_avantages_fiscaux_du_3%E1%B5%89_pilier_A\"><\/span><strong>Quels sont les avantages fiscaux du 3\u1d49 pilier A ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Les versements sont <strong>d\u00e9ductibles de ton revenu imposable<\/strong>, ce qui r\u00e9duit directement tes imp\u00f4ts.<\/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-12\"><span class=\"ez-toc-section\" id=\"Quand_puis-je_retirer_mon_3%E1%B5%89_pilier_A\"><\/span><strong>Quand puis-je retirer mon 3\u1d49 pilier A ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c0 partir de <strong>60 ans<\/strong>. Sinon c&#8217;est aussi possible pour <strong>acheter une r\u00e9sidence principale<\/strong>, <strong>cr\u00e9er une entreprise<\/strong> ou <strong>quitter d\u00e9finitivement la Suisse<\/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-13\"><span class=\"ez-toc-section\" id=\"Quelle_est_la_difference_entre_le_3%E1%B5%89_pilier_A_et_B\"><\/span><strong>Quelle est la diff\u00e9rence entre le 3\u1d49 pilier A et B ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le <strong>3\u1d49 pilier A<\/strong> offre des <strong>avantages fiscaux dans toute la Suisse<\/strong>, tandis que le <strong>B<\/strong> d\u00e9pend des cantons (souvent moins int\u00e9ressant).<\/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-14\"><span class=\"ez-toc-section\" id=\"Ou_ouvrir_un_3%E1%B5%89_pilier_A\"><\/span><strong>O\u00f9 ouvrir un 3\u1d49 pilier A ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Privil\u00e9gie des <strong>solutions low-cost<\/strong> comme <strong>VIAC Global 100<\/strong>, <strong>Finpension<\/strong> ou des <strong>banques en ligne<\/strong> pour \u00e9viter les frais \u00e9lev\u00e9s.<\/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-15\"><span class=\"ez-toc-section\" id=\"Puis-je_investir_mon_3%E1%B5%89_pilier_A_en_bourse\"><\/span><strong>Puis-je investir mon 3\u1d49 pilier A en bourse ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Oui ! Certains comptes (comme <strong>VIAC<\/strong>) permettent d\u2019investir <strong>jusqu\u2019\u00e0 100% en actions mondiales<\/strong> pour un meilleur rendement.<\/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-16\"><span class=\"ez-toc-section\" id=\"Quels_sont_les_risques_du_3%E1%B5%89_pilier_A\"><\/span><strong>Quels sont les risques du 3\u1d49 pilier A ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Si tu investis en bourse, ton capital peut <strong>fluctuer<\/strong>. Mais sur le long terme, les march\u00e9s ont historiquement <strong>perform\u00e9<\/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=\"Mon_3%E1%B5%89_pilier_A_est-il_securise\"><\/span><strong>Mon 3\u1d49 pilier A est-il s\u00e9curis\u00e9 ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Oui, les <strong>fondations et banques suisses<\/strong> sont r\u00e9gul\u00e9es par la <strong>FINMA<\/strong> et garantissent g\u00e9n\u00e9ralement <strong>100 000 CHF<\/strong> par client.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-light-green-cyan-color has-text-color has-link-color wp-elements-18\"><span class=\"ez-toc-section\" id=\"Investir_dans_le_Troisieme_Pilier_A_Avantages_et_Fiscalite\"><\/span>Investir dans le Troisi\u00e8me Pilier A : Avantages et Fiscalit\u00e9<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-primary-color has-text-color has-background has-medium-font-size\" style=\"background-color:#123102\"><strong>Abonne-toi pour les nouveaut\u00e9s<\/strong><\/h5>\n\n\n<div class=\"wp-block-jetpack-subscriptions__supports-newline wp-block-jetpack-subscriptions\">\n\t\t<div>\n\t\t\t<div>\n\t\t\t\t<div>\n\t\t\t\t\t<p >\n\t\t\t\t\t\t<a href=\"https:\/\/minimalistefrugaliste.com\/en\/?post_type=post&#038;p=339\" 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-19 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-20\"><strong>J&#8217;ai en effet d\u00e9cid\u00e9 de cr\u00e9er ce blog pour me d\u00e9velopper et aider les lecteurs qui recherchent une vie plus simple et plus \u00e9conome.<\/strong><\/h6>\n\n\n\n<p class=\"wp-block-paragraph\">Comparativement \u00e0 avant, j&#8217;\u00e9tais une personne qui consommais beaucoup <strong><span style=\"text-decoration: underline;\">jusqu&#8217;au jour o\u00f9 j&#8217;ai compris que ma consommation me rendais plus triste et plus pauvre<\/span><\/strong> \ud83d\ude11<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D\u00e9sormais, <strong><span style=\"text-decoration: underline;\">je privil\u00e9gie le minimum de mes besoins pour \u00eatre heureux et atteindre ma libert\u00e9 financi\u00e8re.<\/span><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sans me rendre compte, j<strong><span style=\"text-decoration: underline;\">&#8216;ai commenc\u00e9 \u00e0 privil\u00e9gier l&#8217;\u00e9pargne et les investissements pour d\u00e9pendre d&#8217;un patron le moins longtemps possible<\/span><\/strong> et pour acc\u00e9l\u00e9rer mes projets personnels.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Depuis quelques ann\u00e9es je me sens heureux et je m&#8217;enrichis d&#8217;une fa\u00e7on que j&#8217;aurai jamais imagin\u00e9 vu que j&#8217;ai un salaire moyen en Suisse.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C&#8217;est dans ce but que j&#8217;ai d\u00e9cid\u00e9 de cr\u00e9er ce blog. Afin de partager et apprendre avec d&#8217;autres personnes qui recherchent \u00e0 la libert\u00e9 et la simplicit\u00e9 \ud83d\ude09<\/p>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-light-green-cyan-color has-text-color\"><strong>Es-tu plut\u00f4t minimaliste ou frugaliste Jonny?<\/strong><\/h5>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><span style=\"text-decoration: underline;\">Je suis aussi bien minimaliste que frugaliste.<\/span><\/strong> Toutefois, il y a des situations o\u00f9 je me penche plus vers un art de vie.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour conclure, je pense que le plus important est se sentir confortable dans son art de vie \ud83d\ude0a<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-light-green-cyan-color has-text-color has-link-color wp-elements-21\"><span class=\"ez-toc-section\" id=\"Investir_dans_le_Troisieme_Pilier_A_Avantages_et_Fiscalite-2\"><\/span>Investir dans le Troisi\u00e8me Pilier A : Avantages et Fiscalit\u00e9<span class=\"ez-toc-section-end\"><\/span><\/h2>\n","protected":false},"excerpt":{"rendered":"<p>Reduce your taxes and prepare for retirement with Pillar 3a! Discover how to save up to CHF 7,258 per year with low fees and optimized stock market returns. The ultimate guide for savvy Swiss investors. <\/p>","protected":false},"author":215552267,"featured_media":32209,"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":false,"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":[728545949,728545953,728545941,728545935,728545124,728545946,728545950,728545947,728545944,728545948,728545952,728545951,728545942,728545943,728545945],"class_list":["post-339","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investissement","tag-3a-pour-independants","tag-3a-vs-assurance-retraite","tag-3eme-pilier-a-suisse","tag-avantages-fiscaux-3a","tag-epargne-retraite-suisse","tag-comparaison-3a-et-3b","tag-finma-3a-securite","tag-frais-bas-3eme-pilier","tag-investir-3a-en-bourse","tag-meilleur-3a-2026","tag-ouvrir-compte-3a-en-ligne","tag-plafond-3a-2026","tag-reduction-impots-3a","tag-retrait-3a-conditions","tag-viac-global-100-avis"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Investir dans le Troisi\u00e8me Pilier A : Avantages et Fiscalit\u00e9 - Minimaliste et Frugaliste<\/title>\n<meta name=\"description\" content=\"Pourquoi investir dans un troisi\u00e8me pilier A : Avantages et Fiscalit\u00e9 afin de r\u00e9duire les imp\u00f4ts, s\u00e9curiser l&#039;avenir et optimiser son \u00e9pargne\" \/>\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\/investing-in-the-third-pillar-has-advantages-and-tax-benefits\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Investir dans le Troisi\u00e8me Pilier A : Avantages et Fiscalit\u00e9 - Minimaliste et Frugaliste\" \/>\n<meta property=\"og:description\" content=\"Pourquoi investir dans un troisi\u00e8me pilier A : Avantages et Fiscalit\u00e9 afin de r\u00e9duire les imp\u00f4ts, s\u00e9curiser l&#039;avenir et optimiser son \u00e9pargne\" \/>\n<meta property=\"og:url\" content=\"https:\/\/minimalistefrugaliste.com\/en\/investing-in-the-third-pillar-has-advantages-and-tax-benefits\/\" \/>\n<meta property=\"og:site_name\" content=\"Minimaliste et Frugaliste\" \/>\n<meta property=\"article:published_time\" content=\"2026-08-19T13:33:17+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-08-19T13:41:30+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8592d8ca9f5.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1024\" \/>\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=\"9 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/investir-dans-le-troisieme-pilier-a-avantages-et-fiscalite\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/investir-dans-le-troisieme-pilier-a-avantages-et-fiscalite\\\/\"},\"author\":{\"name\":\"Minimaliste et Frugaliste\",\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/#\\\/schema\\\/person\\\/53bc683d7aaaffc590f5316600c765aa\"},\"headline\":\"Investir dans le Troisi\u00e8me Pilier A : Avantages et Fiscalit\u00e9\",\"datePublished\":\"2026-08-19T13:33:17+00:00\",\"dateModified\":\"2026-08-19T13:41:30+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/investir-dans-le-troisieme-pilier-a-avantages-et-fiscalite\\\/\"},\"wordCount\":1567,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/#\\\/schema\\\/person\\\/53bc683d7aaaffc590f5316600c765aa\"},\"image\":{\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/investir-dans-le-troisieme-pilier-a-avantages-et-fiscalite\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/i0.wp.com\\\/minimalistefrugaliste.com\\\/wp-content\\\/uploads\\\/2026\\\/08\\\/minimaliste-et-frugaliste-6a8592d8ca9f5.png?fit=1024%2C1024&ssl=1\",\"keywords\":[\"3a pour ind\u00e9pendants\",\"3a vs assurance retraite\",\"3\u00e8me pilier A Suisse\",\"avantages fiscaux 3a\",\"\u00e9pargne retraite suisse\",\"comparaison 3a et 3b\",\"FINMA 3a s\u00e9curit\u00e9\",\"frais bas 3\u00e8me pilier\",\"investir 3a en bourse\",\"meilleur 3a 2026\",\"ouvrir compte 3a en ligne\",\"plafond 3a 2026\",\"r\u00e9duction imp\u00f4ts 3a\",\"retrait 3a conditions\",\"VIAC Global 100 avis\"],\"articleSection\":[\"Investissement\"],\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/minimalistefrugaliste.com\\\/investir-dans-le-troisieme-pilier-a-avantages-et-fiscalite\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/investir-dans-le-troisieme-pilier-a-avantages-et-fiscalite\\\/\",\"url\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/investir-dans-le-troisieme-pilier-a-avantages-et-fiscalite\\\/\",\"name\":\"Investir dans le Troisi\u00e8me Pilier A : Avantages et Fiscalit\u00e9 - Minimaliste et Frugaliste\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/investir-dans-le-troisieme-pilier-a-avantages-et-fiscalite\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/investir-dans-le-troisieme-pilier-a-avantages-et-fiscalite\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/i0.wp.com\\\/minimalistefrugaliste.com\\\/wp-content\\\/uploads\\\/2026\\\/08\\\/minimaliste-et-frugaliste-6a8592d8ca9f5.png?fit=1024%2C1024&ssl=1\",\"datePublished\":\"2026-08-19T13:33:17+00:00\",\"dateModified\":\"2026-08-19T13:41:30+00:00\",\"description\":\"Pourquoi investir dans un troisi\u00e8me pilier A : Avantages et Fiscalit\u00e9 afin de r\u00e9duire les imp\u00f4ts, s\u00e9curiser l'avenir et optimiser son \u00e9pargne\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/investir-dans-le-troisieme-pilier-a-avantages-et-fiscalite\\\/#breadcrumb\"},\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/minimalistefrugaliste.com\\\/investir-dans-le-troisieme-pilier-a-avantages-et-fiscalite\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/investir-dans-le-troisieme-pilier-a-avantages-et-fiscalite\\\/#primaryimage\",\"url\":\"https:\\\/\\\/i0.wp.com\\\/minimalistefrugaliste.com\\\/wp-content\\\/uploads\\\/2026\\\/08\\\/minimaliste-et-frugaliste-6a8592d8ca9f5.png?fit=1024%2C1024&ssl=1\",\"contentUrl\":\"https:\\\/\\\/i0.wp.com\\\/minimalistefrugaliste.com\\\/wp-content\\\/uploads\\\/2026\\\/08\\\/minimaliste-et-frugaliste-6a8592d8ca9f5.png?fit=1024%2C1024&ssl=1\",\"width\":1024,\"height\":1024,\"caption\":\"A caf\u00e9 discussion explains the Swiss third-pillar A\u2019s six key tax and retirement advantages.\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/investir-dans-le-troisieme-pilier-a-avantages-et-fiscalite\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Investir dans le Troisi\u00e8me Pilier A : Avantages et Fiscalit\u00e9\"}]},{\"@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":"Investing in Pillar 3a: Advantages and Taxation - Minimalist and Frugal","description":"Why invest in a third pillar A: Advantages and Taxation to reduce taxes, secure your future and optimize your savings","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\/investing-in-the-third-pillar-has-advantages-and-tax-benefits\/","og_locale":"en_GB","og_type":"article","og_title":"Investir dans le Troisi\u00e8me Pilier A : Avantages et Fiscalit\u00e9 - Minimaliste et Frugaliste","og_description":"Pourquoi investir dans un troisi\u00e8me pilier A : Avantages et Fiscalit\u00e9 afin de r\u00e9duire les imp\u00f4ts, s\u00e9curiser l'avenir et optimiser son \u00e9pargne","og_url":"https:\/\/minimalistefrugaliste.com\/en\/investing-in-the-third-pillar-has-advantages-and-tax-benefits\/","og_site_name":"Minimaliste et Frugaliste","article_published_time":"2026-08-19T13:33:17+00:00","article_modified_time":"2026-08-19T13:41:30+00:00","og_image":[{"width":1024,"height":1024,"url":"https:\/\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8592d8ca9f5.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":"9 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/minimalistefrugaliste.com\/investir-dans-le-troisieme-pilier-a-avantages-et-fiscalite\/#article","isPartOf":{"@id":"https:\/\/minimalistefrugaliste.com\/investir-dans-le-troisieme-pilier-a-avantages-et-fiscalite\/"},"author":{"name":"Minimaliste et Frugaliste","@id":"https:\/\/minimalistefrugaliste.com\/#\/schema\/person\/53bc683d7aaaffc590f5316600c765aa"},"headline":"Investir dans le Troisi\u00e8me Pilier A : Avantages et Fiscalit\u00e9","datePublished":"2026-08-19T13:33:17+00:00","dateModified":"2026-08-19T13:41:30+00:00","mainEntityOfPage":{"@id":"https:\/\/minimalistefrugaliste.com\/investir-dans-le-troisieme-pilier-a-avantages-et-fiscalite\/"},"wordCount":1567,"commentCount":0,"publisher":{"@id":"https:\/\/minimalistefrugaliste.com\/#\/schema\/person\/53bc683d7aaaffc590f5316600c765aa"},"image":{"@id":"https:\/\/minimalistefrugaliste.com\/investir-dans-le-troisieme-pilier-a-avantages-et-fiscalite\/#primaryimage"},"thumbnailUrl":"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8592d8ca9f5.png?fit=1024%2C1024&ssl=1","keywords":["3a pour ind\u00e9pendants","3a vs assurance retraite","3\u00e8me pilier A Suisse","avantages fiscaux 3a","\u00e9pargne retraite suisse","comparaison 3a et 3b","FINMA 3a s\u00e9curit\u00e9","frais bas 3\u00e8me pilier","investir 3a en bourse","meilleur 3a 2026","ouvrir compte 3a en ligne","plafond 3a 2026","r\u00e9duction imp\u00f4ts 3a","retrait 3a conditions","VIAC Global 100 avis"],"articleSection":["Investissement"],"inLanguage":"en-GB","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/minimalistefrugaliste.com\/investir-dans-le-troisieme-pilier-a-avantages-et-fiscalite\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/minimalistefrugaliste.com\/investir-dans-le-troisieme-pilier-a-avantages-et-fiscalite\/","url":"https:\/\/minimalistefrugaliste.com\/investir-dans-le-troisieme-pilier-a-avantages-et-fiscalite\/","name":"Investing in Pillar 3a: Advantages and Taxation - Minimalist and Frugal","isPartOf":{"@id":"https:\/\/minimalistefrugaliste.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/minimalistefrugaliste.com\/investir-dans-le-troisieme-pilier-a-avantages-et-fiscalite\/#primaryimage"},"image":{"@id":"https:\/\/minimalistefrugaliste.com\/investir-dans-le-troisieme-pilier-a-avantages-et-fiscalite\/#primaryimage"},"thumbnailUrl":"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8592d8ca9f5.png?fit=1024%2C1024&ssl=1","datePublished":"2026-08-19T13:33:17+00:00","dateModified":"2026-08-19T13:41:30+00:00","description":"Why invest in a third pillar A: Advantages and Taxation to reduce taxes, secure your future and optimize your savings","breadcrumb":{"@id":"https:\/\/minimalistefrugaliste.com\/investir-dans-le-troisieme-pilier-a-avantages-et-fiscalite\/#breadcrumb"},"inLanguage":"en-GB","potentialAction":[{"@type":"ReadAction","target":["https:\/\/minimalistefrugaliste.com\/investir-dans-le-troisieme-pilier-a-avantages-et-fiscalite\/"]}]},{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/minimalistefrugaliste.com\/investir-dans-le-troisieme-pilier-a-avantages-et-fiscalite\/#primaryimage","url":"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8592d8ca9f5.png?fit=1024%2C1024&ssl=1","contentUrl":"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8592d8ca9f5.png?fit=1024%2C1024&ssl=1","width":1024,"height":1024,"caption":"A caf\u00e9 discussion explains the Swiss third-pillar A\u2019s six key tax and retirement advantages."},{"@type":"BreadcrumbList","@id":"https:\/\/minimalistefrugaliste.com\/investir-dans-le-troisieme-pilier-a-avantages-et-fiscalite\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/minimalistefrugaliste.com\/"},{"@type":"ListItem","position":2,"name":"Investir dans le Troisi\u00e8me Pilier A : Avantages et Fiscalit\u00e9"}]},{"@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-5t","jetpack-related-posts":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8592d8ca9f5.png?fit=1024%2C1024&ssl=1","_links":{"self":[{"href":"https:\/\/minimalistefrugaliste.com\/en\/wp-json\/wp\/v2\/posts\/339","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=339"}],"version-history":[{"count":99,"href":"https:\/\/minimalistefrugaliste.com\/en\/wp-json\/wp\/v2\/posts\/339\/revisions"}],"predecessor-version":[{"id":32249,"href":"https:\/\/minimalistefrugaliste.com\/en\/wp-json\/wp\/v2\/posts\/339\/revisions\/32249"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/minimalistefrugaliste.com\/en\/wp-json\/wp\/v2\/media\/32209"}],"wp:attachment":[{"href":"https:\/\/minimalistefrugaliste.com\/en\/wp-json\/wp\/v2\/media?parent=339"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/minimalistefrugaliste.com\/en\/wp-json\/wp\/v2\/categories?post=339"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/minimalistefrugaliste.com\/en\/wp-json\/wp\/v2\/tags?post=339"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}