{"id":3629,"date":"2026-08-21T08:01:31","date_gmt":"2026-08-21T06:01:31","guid":{"rendered":"http:\/\/minimalistefrugaliste.com\/?p=3629"},"modified":"2026-08-21T08:20:19","modified_gmt":"2026-08-21T06:20:19","slug":"how-choose-best-3rd-pillar-switzerland","status":"publish","type":"post","link":"https:\/\/minimalistefrugaliste.com\/en\/comment-choisir-meilleur-3eme-pilier-suisse\/","title":{"rendered":"How to choose the best 3rd pillar A in Switzerland?"},"content":{"rendered":"\n<p class=\"has-text-align-center has-light-green-cyan-color has-text-color wp-block-paragraph\"><strong>Comment choisir le meilleur 3\u00e8me pilier A en Suisse? Dans cet article, nous allons examiner par \u00e9limination, les meilleurs comptes 3a \u00e0 investir.<\/strong><\/p><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_89 ez-toc-wrap-center counter-flat ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table des mati\u00e8res<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #eeee22;color:#eeee22\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #eeee22;color:#eeee22\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-choisir-meilleur-3eme-pilier-suisse\/#Produits_recommandes\" >Produits recommand\u00e9s<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-choisir-meilleur-3eme-pilier-suisse\/#Livre_E-book_%E2%80%93_50_astuces_pour_economiser_en_Suisse\" >Livre E-book &#8211; 50 astuces pour \u00e9conomiser en Suisse<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-choisir-meilleur-3eme-pilier-suisse\/#Livre_E-book_%E2%80%93_Financer_son_avenir_avec_la_bourse_%E2%80%93_mode_demploi\" >Livre E-book &#8211; Financer son avenir avec la bourse &#8211; mode d&#8217;emploi<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-choisir-meilleur-3eme-pilier-suisse\/#Guide_E-book_%E2%80%93_Libere-toi_de_la_surconsommation\" >Guide E-book &#8211; Lib\u00e8re-toi de la surconsommation<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-choisir-meilleur-3eme-pilier-suisse\/#Le_3%E1%B5%89_pilier_A_en_bref\" >Le 3\u1d49 pilier A en bref<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-choisir-meilleur-3eme-pilier-suisse\/#Ma_philosophie_dinvestissement_pour_le_3a\" >Ma philosophie d\u2019investissement pour le 3a<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-choisir-meilleur-3eme-pilier-suisse\/#Les_7_criteres_essentiels_pour_bien_choisir_son_3a\" >Les 7 crit\u00e8res essentiels pour bien choisir son 3a<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-choisir-meilleur-3eme-pilier-suisse\/#Services_supplementaires_Viac_vs_Finpension\" >Services suppl\u00e9mentaires : Viac vs. Finpension<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-choisir-meilleur-3eme-pilier-suisse\/#Conclusion_Quel_est_le_meilleur_3a\" >Conclusion : Quel est le meilleur 3a ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-choisir-meilleur-3eme-pilier-suisse\/#Mon_choix_personnel\" >Mon choix personnel<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-choisir-meilleur-3eme-pilier-suisse\/#FAQ_Comment_choisir_le_meilleur_3eme_pilier_A_en_Suisse\" >FAQ : Comment choisir le meilleur 3\u00e8me pilier A en Suisse?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-choisir-meilleur-3eme-pilier-suisse\/#Quest-ce_que_le_3%E1%B5%89_pilier_A_3a_et_pourquoi_est-il_important\" >Qu\u2019est-ce que le 3\u1d49 pilier A (3a) et pourquoi est-il important ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-choisir-meilleur-3eme-pilier-suisse\/#Quels_sont_les_7_criteres_essentiels_pour_choisir_le_meilleur_3eme_pilier_A_en_Suisse\" >Quels sont les 7 crit\u00e8res essentiels pour choisir le meilleur 3\u00e8me pilier A en Suisse?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-choisir-meilleur-3eme-pilier-suisse\/#Pourquoi_choisir_une_strategie_Global_100_pour_son_3a\" >Pourquoi choisir une strat\u00e9gie Global 100 pour son 3a ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-choisir-meilleur-3eme-pilier-suisse\/#Quel_est_le_meilleur_compte_3a_pour_une_strategie_Global_100_en_2026\" >Quel est le meilleur compte 3a pour une strat\u00e9gie Global 100 en 2026 ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-choisir-meilleur-3eme-pilier-suisse\/#Quels_sont_les_frais_caches_a_eviter_avec_un_compte_3a\" >Quels sont les frais cach\u00e9s \u00e0 \u00e9viter avec un compte 3a ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-choisir-meilleur-3eme-pilier-suisse\/#Comment_choisir_le_meilleur_3eme_pilier_A_en_Suisse\" >Comment choisir le meilleur 3\u00e8me pilier A en Suisse?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-choisir-meilleur-3eme-pilier-suisse\/#Comment_choisir_le_meilleur_3eme_pilier_A_en_Suisse-2\" >Comment choisir le meilleur 3\u00e8me pilier A en Suisse?<\/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=\"Le_3%E1%B5%89_pilier_A_en_bref\"><\/span><strong>Le 3\u1d49 pilier A en bref<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le <strong>3\u1d49 pilier A (3a)<\/strong> est un outil de <strong>pr\u00e9voyance individuelle<\/strong> con\u00e7u pour <strong>compenser les lacunes des 1\u1d49\u02b3 et 2\u1d49 piliers<\/strong> (AVS et caisse de pension). Son objectif ? <strong>Maintenir ton niveau de vie apr\u00e8s la retraite<\/strong> en capitalisant sur des versements d\u00e9ductibles fiscalement.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udca1 <strong>Utilisations possibles<\/strong> (sous conditions) :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>D\u00e9part d\u00e9finitif \u00e0 l\u2019\u00e9tranger<\/li>\n\n\n\n<li>Achat d\u2019une r\u00e9sidence principale<\/li>\n\n\n\n<li>Cr\u00e9ation d\u2019entreprise<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u26a0\ufe0f <strong>\u00c0 retenir<\/strong> :<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Notons qu&#8217;il y a un<strong> plafond annuel \u00e0 cotiser par ann\u00e9e. En 2025<\/strong>, c&#8217;\u00e9tait <strong>CHF 7\u2019258<\/strong> (montant maximal d\u00e9ductible des imp\u00f4ts). En r\u00e9alit\u00e9, chaque CHF ajout\u00e9 dans ton 3a te permet de r\u00e9duire une partie de ton revenu imposable.<\/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-2\"><span class=\"ez-toc-section\" id=\"Ma_philosophie_dinvestissement_pour_le_3a\"><\/span><strong>Ma philosophie d\u2019investissement pour le 3a<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"><em>\u26a0\ufe0f Investir comporte des risques. Cet article refl\u00e8te mon avis personnel, pas un conseil financier.&#8221;<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour mon compte 3a, je privil\u00e9gie une <strong>strat\u00e9gie boursi\u00e8re agressive<\/strong>, bas\u00e9e \u00e0 <strong>99% sur des fonds indiciels et ETF<\/strong>, avec un minimum de liquidit\u00e9s. Pourquoi ?<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Rendement optimal<\/strong> sur le long terme (historiquement).<\/li>\n\n\n\n<li><strong>Diversification automatique<\/strong> (r\u00e9duction des risques).<\/li>\n\n\n\n<li><strong>Frais r\u00e9duits<\/strong> (crit\u00e8re cl\u00e9 pour maximiser les gains).<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Pour choisir mon compte 3a global 100, j\u2019ai appliqu\u00e9 le <strong>principe minimaliste<\/strong> :<br>\u27a1 <strong>\u00c9liminer d\u2019abord ce qui ne me convient pas<\/strong>, puis comparer les meilleures options.<\/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-3\"><span class=\"ez-toc-section\" id=\"Les_7_criteres_essentiels_pour_bien_choisir_son_3a\"><\/span><strong>Les 7 crit\u00e8res essentiels pour bien choisir<\/strong> son 3a<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Voici les <strong>param\u00e8tres <\/strong>que j&#8217;utilise pour choisir un compte 3a, class\u00e9s par ordre d\u2019importance.<\/p>\n\n\n\n<h4 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\"><strong> Commission annuelle (frais de gestion)<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Seuil de frais maximal acceptable<\/strong> : <strong>Moins de 0.44%<\/strong> (au-del\u00e0, les frais grignotent trop tes rendements).<\/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\">Fournisseur<\/th><th class=\"has-text-align-center\" data-align=\"center\">Commission annuelle<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Finpension<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">0.39% \u2013 0.41%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Viac<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">0 \u2013 0.43%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>True Wealth<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">0 \u2013 0.15%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Neon<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">0.39% \u2013 0.45%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Yapeal<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">0.42% \u2013 0.47%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u27a1 <strong>R\u00e9sultat<\/strong> : Yapeal est \u00e9limin\u00e9 (frais trop \u00e9lev\u00e9s).<\/p>\n\n\n\n<h4 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\">Frais indirects ou frais cach\u00e9s<\/h4>\n\n\n\n<p class=\"has-text-align-left wp-block-paragraph\">Certains<strong> <\/strong>comptes 3a annoncent leur frais de gestion&#8230; mais ils ne mentionnent pas les autres frais.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Par exemple, les frais de transaction, frais de change ou la TER.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Selon les informations que j&#8217;ai trouv\u00e9, voici les frais indirects ou les frais cach\u00e9s de chaque 3a, pour une strat\u00e9gie tr\u00e8s agressive :<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--2\"><table><thead><tr><th class=\"has-text-align-center\" data-align=\"center\"><strong>Fournisseur<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\">Frais annonc\u00e9s<\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>Frais de transaction<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>TER (ETF\/Fonds)<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>Frais de sortie anticip\u00e9<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>Frais de change<\/strong><\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Viac<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">0.40%<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u274c (inclus)<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u274c (inclus)<\/td><td class=\"has-text-align-center\" data-align=\"center\">0 CHF<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u274c (inclus)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Finpension<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">0.39%<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u274c (inclus)<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u274c (inclus)<\/td><td class=\"has-text-align-center\" data-align=\"center\">250 CHF ou gratuit pour achat immobilier)<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u274c (inclus)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>True Wealth<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">0.13%<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u274c (inclus)<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u274c (inclus)<\/td><td class=\"has-text-align-center\" data-align=\"center\">0 CHF<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.10%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Neon<\/strong> 3a<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.45%<br>(d\u00e9part 3a, 1 CHF)<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.04%<br>(agressif 100)<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u274c (inclus)<\/td><td class=\"has-text-align-center\" data-align=\"center\">400-600 CHF selon situation<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u274c (inclus) <\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Je retire Neon 3a de la liste, les frais suppl\u00e9mentaires sont trop \u00e9lev\u00e9s.<\/p>\n\n\n\n<h4 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\"><strong> Pourcentage investi en bourse<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Exigence<\/strong> : <strong>99% minimum<\/strong> en bourse (ETF\/fonds indiciels) pour une strat\u00e9gie agressive.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--3\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Fournisseur<\/th><th class=\"has-text-align-center\" data-align=\"center\">% en bourse<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Finpension<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">99%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Viac<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">99%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>True Wealth<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">99%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Les trois 3a permettent d&#8217;investir au moins 99% en bourse. C&#8217;est parfait.<\/p>\n\n\n\n<h4 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\"><strong> Rendement sur 5 ans (strat\u00e9gie Global 100)<\/strong><\/h4>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">\u26a0\ufe0f <em>Les performances pass\u00e9es ne garantissent pas les r\u00e9sultats futurs.<\/em><\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--4\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Fournisseur<\/th><th class=\"has-text-align-center\" data-align=\"center\">P\u00e9riode (2020\u20132025)<\/th><th class=\"has-text-align-center\" data-align=\"center\">Rendement annualis\u00e9<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Viac<\/strong><a href=\"https:\/\/viac.ch\/fr\/\" target=\"_blank\" rel=\"noreferrer noopener\">*<\/a><\/td><td class=\"has-text-align-center\" data-align=\"center\">Nov. 2020 \u2013 Nov. 2025<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00e9lev\u00e9e<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Finpension<\/strong><a href=\"https:\/\/finpension.ch\/fr\/3a\/\" target=\"_blank\" rel=\"noreferrer noopener\">*<\/a><\/td><td class=\"has-text-align-center\" data-align=\"center\">Nov. 2020 \u2013 Nov. 2025<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00e9lev\u00e9e<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>True Wealth<\/strong><a href=\"https:\/\/www.truewealth.ch\/fr\/pilier-3a\" target=\"_blank\" rel=\"noreferrer noopener\">*<\/a><\/td><td class=\"has-text-align-center\" data-align=\"center\">Nov. 2020 \u2013 Nov. 2025<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00e9lev\u00e9e<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u27a1 Viac, Finpension et True Wealth<\/strong> ont historiquement obtenus de tr\u00e8s bons rendements. C&#8217;est-\u00e0-dire, sup\u00e9rieurs \u00e0 7% annualis\u00e9 pendant la p\u00e9riode compar\u00e9e.<\/p>\n\n\n\n<h4 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-8\"><strong> R\u00e9partition g\u00e9ographique<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Pour une strat\u00e9gie 3a <strong>Global 100<\/strong>, je recommande :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>vers 60% hors Suisse<\/strong> (diversification mondiale).<\/li>\n\n\n\n<li><strong>dans la partie 60% hors suisse, au minimum 30% plac\u00e9 aux \u00c9tats-Unis<\/strong> (march\u00e9 le plus performant historiquement).<\/li>\n\n\n\n<li><strong>environ 40% en Suisse<\/strong> (pour limiter le risque de concentration).<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u27a1 <strong>Viac et Finpension<\/strong> respectent ces crit\u00e8res.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cependant, True Wealth n&#8217;investit qu&#8217;environ 1% en Suisse, (pour une strat\u00e9gie 99% en actions mondiales). Je pense que c&#8217;est trop peu pour un compte 3a. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Selon mon opinion, au moins 25% du portefeuille 3a devraient \u00eatre investis en Suisse, afin de stabiliser un minimum le 3a.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">De ce fait, je retire True Wealth de liste. Bien que je pense que c&#8217;est aussi un bon choix afin d&#8217;ouvrir un compte 3a.<\/p>\n\n\n\n<h4 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\"><strong> Service client<\/strong><\/h4>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--5\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Fournisseur<\/th><th class=\"has-text-align-center\" data-align=\"center\">Qualit\u00e9 (sur 10)<\/th><th class=\"has-text-align-center\" data-align=\"center\">R\u00e9activit\u00e9<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Viac<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">10\/10<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2b50\u2b50\u2b50\u2b50\u2b50<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Finpension<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">8\/10<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2b50\u2b50\u2b50\u2b50<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u27a1 <strong>Viac gagne<\/strong> sur ce point. Mais Finpension a un service client \u00e9galement tr\u00e8s bon.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nous concluons que Viac et Finpension sont similaires. Choisir l&#8217;un ou l&#8217;autre est une tr\u00e8s bonne option.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Analysons maintenant les services compl\u00e9mentaires de chaque compte 3a.<\/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=\"Services_supplementaires_Viac_vs_Finpension\"><\/span><strong>Services suppl\u00e9mentaires : Viac vs. Finpension<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--6\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Crit\u00e8re<\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>Viac<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>Finpension<\/strong><\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Commission annuelle (Global 100)<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">0.40%<br> (r\u00e9ductible \u00e0 <strong>0%<\/strong> avec codes promos)<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.39% (fixe)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Assurance invalidit\u00e9<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>2\u2019500 CHF gratuits \u00e0 10\u2019000 CHF investis<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">\u274c Non propos\u00e9e<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Hypoth\u00e8que immobili\u00e8re<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Taux avantageux<\/strong> possible<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u274c Non propos\u00e9e<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Multi-comptes 3a<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2705 Oui<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2705 Oui<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u27a1 <strong>Viac se distingue<\/strong> par :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Des frais r\u00e9duits<\/strong> avec des codes promos.<\/li>\n\n\n\n<li><strong>Une assurance invalidit\u00e9 gratuite<\/strong>.<\/li>\n\n\n\n<li><strong>Des options hypoth\u00e9caires avantageuses<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Cependant, \u00e0 noter que selon la p\u00e9riode analys\u00e9e, Finpension a des rendements historiques un peu plus \u00e9lev\u00e9s que Viac.<\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6af5034b665ac&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6af5034b665ac\" 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=\"32378\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/minimaliste-et-frugaliste-6a87e97964261\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a87e97964261.png?fit=1024%2C1024&amp;ssl=1\" data-orig-size=\"1024,1024\" data-comments-opened=\"1\" data-image-title=\"Comparatif suisse des solutions de troisi\u00e8me pilier\" data-image-description=\"&lt;p&gt;Infographie illustr\u00e9e en fran\u00e7ais pr\u00e9sentant un comparatif entre VIAC et finpension pour le troisi\u00e8me pilier suisse. Deux panneaux color\u00e9s affichent les frais, le suivi, les strat\u00e9gies, les fonds et les options de portefeuille, accompagn\u00e9s de personnages dessin\u00e9s pointant vers les informations. En bas, une section demande \u00ab Quel 3a choisir pour vous ? \u00bb et met en avant les crit\u00e8res objectifs, co\u00fbts, risque et conseils recherch\u00e9s. Le style est chaleureux et moderne, avec des tons bleu, vert, p\u00eache et cr\u00e8me, ainsi qu\u2019un paysage alpin en arri\u00e8re-plan.&lt;\/p&gt;\n\" data-image-caption=\"&lt;p&gt;Cette infographie compare VIAC et finpension 3a selon les frais, la flexibilit\u00e9 et les options d\u2019investissement.&lt;\/p&gt;\n\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a87e97964261.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-6a87e97964261.png?resize=600%2C600&#038;ssl=1\" alt=\"Infographie comparant VIAC et finpension 3a en Suisse - Comment choisir le meilleur 3\u00e8me pilier A en Suisse?\" class=\"wp-image-32378\" style=\"width:402px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a87e97964261.png?resize=600%2C600&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a87e97964261.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a87e97964261.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a87e97964261.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a87e97964261.png?resize=12%2C12&amp;ssl=1 12w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a87e97964261.png?resize=100%2C100&amp;ssl=1 100w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a87e97964261.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<h3 class=\"wp-block-heading has-text-align-center has-vivid-red-background-color has-background\"><span class=\"ez-toc-section\" id=\"Conclusion_Quel_est_le_meilleur_3a\"><\/span><strong>Conclusion : Quel est le meilleur 3a ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Selon mon opinion, au moment de l&#8217;\u00e9criture de cet article, <strong>Viac et Finpension<\/strong> sont <strong>les deux meilleures options<\/strong> pour une <strong>strat\u00e9gie agressive en bourse<\/strong> (99% actions mondiales).<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--7\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Crit\u00e8re<\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>Viac<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>Finpension<\/strong><\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Rendement historique<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2b50\u2b50\u2b50\u2b50\u2b50<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2b50\u2b50\u2b50\u2b50\u2b50<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Frais<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2b50\u2b50\u2b50\u2b50 <br>(r\u00e9ductibles)<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2b50\u2b50\u2b50\u2b50\u2b50<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>S\u00e9curit\u00e9<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2b50\u2b50\u2b50\u2b50\u2b50<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2b50\u2b50\u2b50\u2b50\u2b50<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Services +<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2b50\u2b50\u2b50\u2b50\u2b50 <br>(assurance, hypoth\u00e8que)<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2b50\u2b50\u2b50<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Service client<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2b50\u2b50\u2b50\u2b50\u2b50<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2b50\u2b50\u2b50\u2b50<\/td><\/tr><\/tbody><\/table><\/figure>\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=\"Mon_choix_personnel\"><\/span><strong>Mon choix personnel<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Selon mon opinion, choisir une de ces deux options (Viac ou Finpension) est un excellent choix pour ouvrir un 3a. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Personnellement, je poss\u00e8de les deux comptes car j&#8217;ai plusieurs comptes 3a. Et je suis tr\u00e8s satisfait avec les services de Viac et Finpension.<\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6af5034b66c80&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6af5034b66c80\" 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=\"32375\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/minimaliste-et-frugaliste-6a87e763cef78\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a87e763cef78.png?fit=1024%2C1024&amp;ssl=1\" data-orig-size=\"1024,1024\" data-comments-opened=\"1\" data-image-title=\"Viac 3a et Finpension 3a, comptes boursiers suisses\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a87e763cef78.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-6a87e763cef78.png?resize=600%2C600&#038;ssl=1\" alt=\"Viac 3a et Finpension 3a, comptes boursiers suisses - Comment choisir le meilleur 3\u00e8me pilier A en Suisse?\" class=\"wp-image-32375\" style=\"width:352px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a87e763cef78.png?resize=600%2C600&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a87e763cef78.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a87e763cef78.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a87e763cef78.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a87e763cef78.png?resize=12%2C12&amp;ssl=1 12w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a87e763cef78.png?resize=100%2C100&amp;ssl=1 100w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a87e763cef78.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-vivid-red-background-color has-background\"><span class=\"ez-toc-section\" id=\"FAQ_Comment_choisir_le_meilleur_3eme_pilier_A_en_Suisse\"><\/span>FAQ : Comment choisir le meilleur 3\u00e8me pilier A en Suisse?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-12\"><span class=\"ez-toc-section\" id=\"Quest-ce_que_le_3%E1%B5%89_pilier_A_3a_et_pourquoi_est-il_important\"><\/span><strong>Qu\u2019est-ce que le 3\u1d49 pilier A (3a) et pourquoi est-il important ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le <strong>3\u1d49 pilier A (3a)<\/strong> est un <strong>compte de pr\u00e9voyance individuelle<\/strong> en Suisse qui permet de <strong>compl\u00e9ter les revenus de l\u2019AVS et de la caisse de pension<\/strong> (1\u1d49\u02b3 et 2\u1d49 piliers). Son objectif est de <strong>maintenir ton niveau de vie \u00e0 la retraite<\/strong> tout en b\u00e9n\u00e9ficiant d\u2019<strong>avantages fiscaux<\/strong> :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>D\u00e9duction fiscale<\/strong> : Les versements (jusqu\u2019\u00e0 <strong>CHF 7\u2019258\/an en 2025<\/strong>) sont <strong>d\u00e9ductibles de ton revenu imposable<\/strong>.<\/li>\n\n\n\n<li><strong>Utilisations possibles<\/strong> (sous conditions) : D\u00e9part \u00e0 l\u2019\u00e9tranger, achat d\u2019une r\u00e9sidence principale, cr\u00e9ation d\u2019entreprise.<\/li>\n<\/ul>\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=\"Quels_sont_les_7_criteres_essentiels_pour_choisir_le_meilleur_3eme_pilier_A_en_Suisse\"><\/span><strong>Quels sont les 7 crit\u00e8res essentiels pour choisir le meilleur 3\u00e8me pilier A en Suisse?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"><strong> ?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour une <strong>strat\u00e9gie Global 100<\/strong> (99 % en actions), voici les crit\u00e8res \u00e0 analyser <strong>par ordre d\u2019importance<\/strong> :<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>Commission annuelle<\/strong> : Moins de <strong>0.44%<\/strong> (par exemple : Viac 0\u20130.43%, True Wealth 0\u20130.15%, Finpension : 0,39%.)<\/li>\n\n\n\n<li><strong>Frais indirects<\/strong> : TER (frais des ETF\/fonds), frais de transaction, frais de change.<\/li>\n\n\n\n<li><strong>Pourcentage investi en bourse<\/strong> : <strong>99 % minimum<\/strong> (Viac, Finpension, True Wealth).<\/li>\n\n\n\n<li><strong>Rendement sur 5 ans<\/strong> : Viac, Finpension et True Wealth ont des <strong>rendements annualis\u00e9s \u00e9lev\u00e9s<\/strong> (> 7 %).<\/li>\n\n\n\n<li><strong>R\u00e9partition g\u00e9ographique<\/strong> : <strong>60 % hors Suisse<\/strong> (dont 30 % aux \u00c9tats-Unis), <strong>40 % en Suisse<\/strong> (pour limiter les risques).<\/li>\n\n\n\n<li><strong>Service client<\/strong> : Viac (10\/10), Finpension (8\/10).<\/li>\n\n\n\n<li><strong>Services suppl\u00e9mentaires<\/strong> : Assurance invalidit\u00e9 (Viac), hypoth\u00e8que immobili\u00e8re (Viac).<\/li>\n<\/ol>\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=\"Pourquoi_choisir_une_strategie_Global_100_pour_son_3a\"><\/span><strong>Pourquoi choisir une strat\u00e9gie Global 100 pour son 3a ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Une <strong>strat\u00e9gie Global 100<\/strong> (99 % en actions mondiales) offre :<br>\u2705 <strong>Rendement optimal<\/strong> : Historiquement <strong>un rendement sup\u00e9rieur \u00e0 7 %\/an<\/strong> sur le long terme.<br>\u2705 <strong>Diversification automatique<\/strong> : R\u00e9duction des risques gr\u00e2ce \u00e0 une <strong>r\u00e9partition mondiale<\/strong> (Am\u00e9rique du Nord, Europe, Asie).<br>\u2705 <strong>Frais r\u00e9duits<\/strong> : Les ETF et fonds indiciels ont des <strong>TER tr\u00e8s bas<\/strong> (0.10\u20130.20 %).<br>\u2705 <strong>Passivit\u00e9<\/strong> : Pas besoin de g\u00e9rer activement ton portefeuille.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u26a0\ufe0f <strong>\u00c0 noter<\/strong> : True Wealth investit seulement <strong>~1 % en Suisse<\/strong>, ce qui peut \u00eatre <strong>trop peu<\/strong> pour stabiliser un 3a. Viac et Finpension respectent mieux les crit\u00e8res de r\u00e9partition (40 % en Suisse).<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-15\"><span class=\"ez-toc-section\" id=\"Quel_est_le_meilleur_compte_3a_pour_une_strategie_Global_100_en_2026\"><\/span><strong>Quel est le meilleur compte 3a pour une strat\u00e9gie Global 100 en 2026 ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Voici un <strong>comparatif rapide<\/strong> des meilleurs fournisseurs :<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Comparatif des meilleurs comptes 3a (strat\u00e9gie Global 100)<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--8\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\"><strong>Crit\u00e8re<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>Viac<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>Finpension<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>True Wealth<\/strong><\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Frais totaux<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">0.10\u20130.60 % (r\u00e9ductible \u00e0 0 % avec codes promos)<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.49\u20130.59 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.12\u20130.22 %<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Rendement historique<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2b50\u2b50\u2b50\u2b50\u2b50 (\u00e9lev\u00e9)<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2b50\u2b50\u2b50\u2b50\u2b50 (l\u00e9g\u00e8rement sup\u00e9rieur \u00e0 Viac selon p\u00e9riode)<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2b50\u2b50\u2b50\u2b50\u2b50 (\u00e9lev\u00e9)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>R\u00e9partition g\u00e9ographique<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">60 % hors Suisse, 40 % en Suisse<\/td><td class=\"has-text-align-center\" data-align=\"center\">60 % hors Suisse, 40 % en Suisse<\/td><td class=\"has-text-align-center\" data-align=\"center\">99 % hors Suisse (1 % en Suisse)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Service client<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">10\/10<\/td><td class=\"has-text-align-center\" data-align=\"center\">8\/10<\/td><td class=\"has-text-align-center\" data-align=\"center\">8\/10<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Services suppl\u00e9mentaires<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Assurance invalidit\u00e9, hypoth\u00e8que immobili\u00e8re<\/td><td class=\"has-text-align-center\" data-align=\"center\">Aucun<\/td><td class=\"has-text-align-center\" data-align=\"center\">Aucun<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u27a1 Ma recommandation :<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Viac<\/strong> : Meilleur pour les <strong>frais r\u00e9duits<\/strong> (avec codes promos) et les <strong>services suppl\u00e9mentaires<\/strong> (assurance invalidit\u00e9, hypoth\u00e8que).<\/li>\n\n\n\n<li><strong>Finpension<\/strong> : Meilleur pour les <strong>rendements historiques<\/strong> et la <strong>stabilit\u00e9<\/strong>.<\/li>\n\n\n\n<li><strong>True Wealth<\/strong> : <strong>Frais les plus bas<\/strong> (0.12\u20130.22 %), mais <strong>r\u00e9partition g\u00e9ographique moins \u00e9quilibr\u00e9e<\/strong> (1 % en Suisse).<\/li>\n<\/ul>\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_frais_caches_a_eviter_avec_un_compte_3a\"><\/span><strong>Quels sont les frais cach\u00e9s \u00e0 \u00e9viter avec un compte 3a ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Les <strong>frais indirects<\/strong> peuvent r\u00e9duire tes rendements. Voici ceux \u00e0 surveiller :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>TER (Total Expense Ratio)<\/strong> : Frais int\u00e9gr\u00e9s dans les ETF\/fonds (ex. : 0.10\u20130.20 % chez Viac\/Finpension).<\/li>\n\n\n\n<li><strong>Frais de transaction<\/strong> : Certains fournisseurs facturent des frais pour l\u2019achat\/vente d\u2019ETF (ex. : Neon 3a).<\/li>\n\n\n\n<li><strong>Frais de change<\/strong> : Si les ETF sont en USD\/EUR (ex. : True Wealth).<\/li>\n\n\n\n<li><strong>Frais de sortie<\/strong> : Certains fournisseurs facturent des frais en cas de <strong>retrait anticip\u00e9<\/strong> (ex. : Finpension : 250 CHF, sauf pour achat immobilier).<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u27a1 <strong>\u00c0 \u00e9viter<\/strong> : Les fournisseurs avec des <strong>frais totaux &gt; 0.60 %<\/strong> (ex. : Yapeal, banques traditionnelles).<\/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-17\"><span class=\"ez-toc-section\" id=\"Comment_choisir_le_meilleur_3eme_pilier_A_en_Suisse\"><\/span>Comment choisir le meilleur 3\u00e8me pilier A en Suisse?<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=3629\" 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-18 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-19\"><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-20\"><span class=\"ez-toc-section\" id=\"Comment_choisir_le_meilleur_3eme_pilier_A_en_Suisse-2\"><\/span>Comment choisir le meilleur 3\u00e8me pilier A en Suisse?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Discover the best 3a account in Switzerland for a Global 100 strategy: ultra-low fees, high returns, and global diversification. Viac, Finpension, or True Wealth? 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