{"id":3629,"date":"2024-10-11T07:58:19","date_gmt":"2024-10-11T05:58:19","guid":{"rendered":"http:\/\/minimalistefrugaliste.com\/?p=3629"},"modified":"2026-05-24T22:25:24","modified_gmt":"2026-05-24T20:25:24","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_85 ez-toc-wrap-center counter-flat ez-toc-counter ez-toc-black ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table des mati\u00e8res<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #eeee22;color:#eeee22\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #eeee22;color:#eeee22\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/minimalistefrugaliste.com\/en\/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_3eme_pilier_a_en_bref_%F0%9F%A7%90\" >Le 3\u00e8me pilier a en bref \ud83e\uddd0<\/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\/#Le_3eme_pilier_a_et_la_fiscalite_suisse%F0%9F%A7%90\" >Le 3\u00e8me pilier a et la fiscalit\u00e9 suisse\ud83e\uddd0<\/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\/#Mon_choix_concernant_le_compte_3a_%F0%9F%98%8A\" >Mon choix concernant le compte 3a \ud83d\ude0a<\/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\/#Le_minimalisme_quand_on_doit_choisir_%F0%9F%98%8A\" >Le minimalisme quand on doit choisir \ud83d\ude0a<\/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\/#Les_criteres_importants_%F0%9F%A7%90\" >Les crit\u00e8res importants \ud83e\uddd0<\/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\/#Commission_annuelle_%F0%9F%92%B2\" >Commission annuelle \ud83d\udcb2<\/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\/#Les_frais_indirects\" >Les frais indirects<\/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\/#Pourcentage_investi_en_bourse\" >Pourcentage investi en bourse<\/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\/#Levolution_du_portemonnaie_boursier_les_5_dernieres_annees_%F0%9F%93%8A\" >L&#8217;\u00e9volution du portemonnaie boursier les 5 derni\u00e8res ann\u00e9es \ud83d\udcca<\/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\/#True_Wealth_et_Neon_3a_quel_est_leur_rendement\" >True Wealth et Neon 3a, quel est leur rendement ?<\/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\/#Le_Pourcentage_investi_dans_des_fonds_indiciels_et_ETF\" >Le Pourcentage investi dans des fonds indiciels et ETF<\/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\/#Le_pourcentage_dinvestissement_a_letranger\" >Le pourcentage d&#8217;investissement \u00e0 l&#8217;\u00e9tranger<\/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\/#Le_service_client\" >Le service client<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-choisir-meilleur-3eme-pilier-suisse\/#Securite_%F0%9F%94%8F\" >S\u00e9curit\u00e9 \ud83d\udd0f<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-choisir-meilleur-3eme-pilier-suisse\/#Autres_services_importants_%F0%9F%93%83\" >Autres services importants \ud83d\udcc3<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-choisir-meilleur-3eme-pilier-suisse\/#Conclusion\" >Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n\n<div data-wp-context=\"{&quot;notices&quot;:[],&quot;hideNextPreviousButtons&quot;:false,&quot;isDisabledPrevious&quot;:true,&quot;isDisabledNext&quot;:false,&quot;ariaLabelPrevious&quot;:&quot;Previous products&quot;,&quot;ariaLabelNext&quot;:&quot;Next products&quot;,&quot;collection&quot;:&quot;woocommerce\\\/product-collection\\\/hand-picked&quot;}\" data-wp-init=\"callbacks.onRender\" data-wp-interactive=\"woocommerce\/product-collection\" data-wp-router-region=\"wc-product-collection-0\" data-__private-preview-state=\"{&quot;isPreview&quot;:false,&quot;previewMessage&quot;:&quot;Les produits d\\u00e9pendront de la page consult\\u00e9e.&quot;}\" data-block-name=\"woocommerce\/product-collection\" data-collection=\"woocommerce\/product-collection\/hand-picked\" data-dimensions=\"{&quot;widthType&quot;:&quot;fill&quot;}\" data-display-layout=\"{&quot;type&quot;:&quot;flex&quot;,&quot;columns&quot;:5,&quot;shrinkColumns&quot;:true}\" data-hide-controls=\"[&quot;inherit&quot;,&quot;hand-picked&quot;,&quot;filterable&quot;,&quot;order&quot;]\" data-query-context-includes=\"[&quot;collection&quot;]\" data-query-id=\"0\" data-query=\"{&quot;perPage&quot;:9,&quot;pages&quot;:0,&quot;offset&quot;:0,&quot;postType&quot;:&quot;product&quot;,&quot;order&quot;:&quot;asc&quot;,&quot;orderBy&quot;:&quot;post__in&quot;,&quot;search&quot;:&quot;&quot;,&quot;exclude&quot;:[],&quot;inherit&quot;:false,&quot;taxQuery&quot;:[],&quot;isProductCollectionBlock&quot;:true,&quot;featured&quot;:false,&quot;woocommerceOnSale&quot;:false,&quot;woocommerceStockStatus&quot;:[&quot;instock&quot;,&quot;outofstock&quot;,&quot;onbackorder&quot;],&quot;woocommerceAttributes&quot;:[],&quot;woocommerceHandPickedProducts&quot;:[&quot;26085&quot;,&quot;26112&quot;,&quot;26137&quot;],&quot;filterable&quot;:false,&quot;relatedBy&quot;:{&quot;categories&quot;:true,&quot;tags&quot;:true}}\" data-tag-name=\"div\" class=\"wp-block-woocommerce-product-collection is-layout-flow wp-block-woocommerce-product-collection-is-layout-flow\">\t\t<div data-wp-interactive=\"woocommerce\/store-notices\" class=\"wc-block-components-notices alignwide\">\n\t\t\t<template data-wp-each--notice=\"state.notices\" data-wp-each-key=\"context.notice.id\">\n\t\t\t\t<div\n\t\t\t\t\tclass=\"wc-block-components-notice-banner\"\n\t\t\t\t\tdata-wp-init=\"callbacks.scrollIntoView\"\n\t\t\t\t\tdata-wp-class--is-error=\"state.isError\"\n\t\t\t\t\tdata-wp-class--is-success=\"state.isSuccess\"\n\t\t\t\t\tdata-wp-class--is-info=\"state.isInfo\"\n\t\t\t\t\tdata-wp-class--is-dismissible=\"context.notice.dismissible\"\n\t\t\t\t\tdata-wp-bind--role=\"state.role\"\n\t\t\t\t\tdata-wp-watch=\"callbacks.injectIcon\"\n\t\t\t\t>\n\t\t\t\t\t<div class=\"wc-block-components-notice-banner__content\">\n\t\t\t\t\t\t<span data-wp-init=\"callbacks.renderNoticeContent\" aria-live=\"assertive\" aria-atomic=\"true\"><\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<button\n\t\t\t\t\t\tdata-wp-bind--hidden=\"!context.notice.dismissible\"\n\t\t\t\t\t\tclass=\"wc-block-components-button wp-element-button wc-block-components-notice-banner__dismiss contained\"\n\t\t\t\t\t\taria-label=\"Dismiss this notice\"\n\t\t\t\t\t\tdata-wp-on--click=\"actions.removeNotice\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\">\n\t\t\t\t\t\t\t<path d=\"M13 11.8l6.1-6.3-1-1-6.1 6.2-6.1-6.2-1 1 6.1 6.3-6.5 6.7 1 1 6.5-6.6 6.5 6.6 1-1z\" \/>\n\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t<\/template>\n\t\t<\/div>\n\t\t\n<h2 class=\"wp-block-heading\" style=\"margin-bottom:1rem\"><span class=\"ez-toc-section\" id=\"Produits_recommandes\"><\/span>Produits recommand\u00e9s<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n<ul data-block-name=\"woocommerce\/product-template\" class=\"wc-block-product-template__responsive columns-5 wc-block-product-template wp-block-woocommerce-product-template is-layout-flow wp-block-woocommerce-product-template-is-layout-flow\" data-wp-on--scroll=\"actions.watchScroll\" data-wp-init=\"callbacks.initResizeObserver\"><li class=\"wc-block-product post-26085 product type-product status-publish has-post-thumbnail product_tag-guide-depargne product_tag-guide-optimisation-financiere-en-suisse product_tag-livre-econome product_tag-livre-economiser product_tag-livre-finances-personnelles product_tag-livre-frugaliste first instock downloadable virtual purchasable product-type-simple\"\n\t\t\t\t\t\n\t\t\t\tdata-wp-interactive=\"woocommerce\/product-collection\"\n\t\t\t\tdata-wp-context='woocommerce\/products::{\"productId\":26085,\"variationId\":null}'\n\t\t\t\tdata-wp-key=\"product-item-26085\"\n\t\t\t\n\t\t\t\t>\n\t\t\t\t\t\n<div data-block-name=\"woocommerce\/product-image\" data-image-sizing=\"thumbnail\" data-is-descendent-of-query-loop=\"true\" data-show-sale-badge=\"false\" class=\"wc-block-components-product-image wc-block-grid__product-image wc-block-components-product-image--aspect-ratio-auto wp-block-woocommerce-product-image\"><a href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/50-astuces-pour-economiser-en-suisse\/\" style=\"\" data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\"><img decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=300%2C300&amp;ssl=1\" class=\"attachment-woocommerce_thumbnail size-woocommerce_thumbnail\" alt=\"Livre E-book - 50 astuces pour \u00e9conomiser en Suisse\" data-testid=\"product-image\" data-image-id=\"26088\" style=\"object-fit:cover;\" loading=\"lazy\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=100%2C100&amp;ssl=1 100w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?zoom=2&amp;resize=300%2C300&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?zoom=3&amp;resize=300%2C300&amp;ssl=1 900w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" data-attachment-id=\"26088\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/?attachment_id=26088\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?fit=1409%2C2000&amp;ssl=1\" data-orig-size=\"1409,2000\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"1\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?fit=423%2C600&amp;ssl=1\" \/><div class=\"wc-block-components-product-image__inner-container\">\n\n<\/div><\/a><\/div>\n\n<h2 style=\"line-height:1.4;margin-bottom:0.75rem;margin-top:0\" class=\"wp-block-post-title has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Livre_E-book_%E2%80%93_50_astuces_pour_economiser_en_Suisse\"><\/span><a data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\" href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/50-astuces-pour-economiser-en-suisse\/\" target=\"_self\" >Livre E-book &#8211; 50 astuces pour \u00e9conomiser en Suisse<\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div data-block-name=\"woocommerce\/product-price\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"has-font-size has-small-font-size has-text-align-center wp-block-woocommerce-product-price\" ><div class=\"wc-block-components-product-price wc-block-grid__product-price\" >\n\t\t\t\t\t<span class=\"woocommerce-Price-amount amount\"><bdi><span class=\"woocommerce-Price-currencySymbol\" translate=\"no\">&#67;&#72;&#70;<\/span>&nbsp;15.00<\/bdi><\/span>\n\t\t\t\t<\/div><\/div>\n\n<div data-block-name=\"woocommerce\/product-button\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-button wc-block-components-product-button align-center wp-block-woocommerce-product-button has-small-font-size\"\n\t\t\t\t\t\n\t\t\tdata-wp-interactive=\"woocommerce\/product-button\"\n\t\t\n\t\t\t\t\tdata-wp-context='{\"quantityToAdd\":1,\"addToCartText\":\"Add to basket\",\"tempQuantity\":0,\"animationStatus\":\"IDLE\",\"inTheCartText\":\"### in basket\",\"noticeId\":\"\",\"hasPressedButton\":false}'\n\t\t\t\t>\n\t\t\t\t\t<button\n\t\t\t\t\t\tclass=\"wp-block-button__link wp-element-button wc-block-components-product-button__button add_to_cart_button ajax_add_to_cart product_type_simple has-font-size has-small-font-size has-text-align-center wc-interactive\"\n\t\t\t\t\t\tstyle=\"\"\n\t\t\t\t\t\ttype=\"button\" data-product_id=\"26085\" data-product_sku=\"\" aria-label=\"Add to basket: &ldquo;Livre E-book - 50 astuces pour \u00e9conomiser en Suisse&rdquo;\"\n\t\t\t\t\t\tdata-wp-on--click=\"actions.addCartItem\"\n\t\t\t\t\t>\n\t\t\t\t\t<span \n\t\t\tdata-wp-text=\"state.addToCartText\"\n\t\t\tdata-wp-class--wc-block-slide-in=\"state.slideInAnimation\"\n\t\t\tdata-wp-class--wc-block-slide-out=\"state.slideOutAnimation\"\n\t\t\tdata-wp-on--animationend=\"actions.handleAnimationEnd\"\n\t\t\tdata-wp-watch=\"callbacks.startAnimation\"\n\t\t\tdata-wp-run=\"callbacks.syncTempQuantityOnLoad\"\n\t\t>Add to basket<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<span\n\t\t\t\thidden\n\t\t\t\tdata-wp-bind--hidden=\"!state.displayViewCart\"\n\t\t\t>\n\t\t\t\t<a\n\t\t\t\t\thref=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\"\n\t\t\t\t\tclass=\"added_to_cart wc_forward\"\n\t\t\t\t\ttitle=\"View basket\"\n\t\t\t\t>\n\t\t\t\t\tView basket\n\t\t\t\t<\/a>\n\t\t\t<\/span>\n\t\t\t\t<\/div>\n\n\t\t\t\t<\/li><li class=\"wc-block-product post-26112 product type-product status-publish has-post-thumbnail product_tag-guide-complet-investissement product_tag-livre-finances-personnelles product_tag-livre-investissement product_tag-livre-investissement-boursier product_tag-livre-liberte-financiere product_tag-livre-sp-500  instock downloadable virtual purchasable product-type-simple\"\n\t\t\t\t\t\n\t\t\t\tdata-wp-interactive=\"woocommerce\/product-collection\"\n\t\t\t\tdata-wp-context='woocommerce\/products::{\"productId\":26112,\"variationId\":null}'\n\t\t\t\tdata-wp-key=\"product-item-26112\"\n\t\t\t\n\t\t\t\t>\n\t\t\t\t\t\n<div data-block-name=\"woocommerce\/product-image\" data-image-sizing=\"thumbnail\" data-is-descendent-of-query-loop=\"true\" data-show-sale-badge=\"false\" class=\"wc-block-components-product-image wc-block-grid__product-image wc-block-components-product-image--aspect-ratio-auto wp-block-woocommerce-product-image\"><a href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/financer-investir-son-avenir-mode-emploi\/\" style=\"\" data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\"><img decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=300%2C300&amp;ssl=1\" class=\"attachment-woocommerce_thumbnail size-woocommerce_thumbnail\" alt=\"Livre E-book - Financer son avenir avec la bourse - mode d&#039;emploi\" data-testid=\"product-image\" data-image-id=\"26114\" style=\"object-fit:cover;\" loading=\"lazy\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=100%2C100&amp;ssl=1 100w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" data-attachment-id=\"26114\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/?attachment_id=26114\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?fit=512%2C800&amp;ssl=1\" data-orig-size=\"512,800\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"1\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?fit=384%2C600&amp;ssl=1\" \/><div class=\"wc-block-components-product-image__inner-container\">\n\n<\/div><\/a><\/div>\n\n<h2 style=\"line-height:1.4;margin-bottom:0.75rem;margin-top:0\" class=\"wp-block-post-title has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Livre_E-book_%E2%80%93_Financer_son_avenir_avec_la_bourse_%E2%80%93_mode_demploi\"><\/span><a data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\" href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/financer-investir-son-avenir-mode-emploi\/\" target=\"_self\" >Livre E-book &#8211; Financer son avenir avec la bourse &#8211; mode d&#8217;emploi<\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div data-block-name=\"woocommerce\/product-price\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"has-font-size has-small-font-size has-text-align-center wp-block-woocommerce-product-price\" ><div class=\"wc-block-components-product-price wc-block-grid__product-price\" >\n\t\t\t\t\t<span class=\"woocommerce-Price-amount amount\"><bdi><span class=\"woocommerce-Price-currencySymbol\" translate=\"no\">&#67;&#72;&#70;<\/span>&nbsp;15.00<\/bdi><\/span>\n\t\t\t\t<\/div><\/div>\n\n<div data-block-name=\"woocommerce\/product-button\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-button wc-block-components-product-button align-center wp-block-woocommerce-product-button has-small-font-size\"\n\t\t\t\t\t\n\t\t\tdata-wp-interactive=\"woocommerce\/product-button\"\n\t\t\n\t\t\t\t\tdata-wp-context='{\"quantityToAdd\":1,\"addToCartText\":\"Add to basket\",\"tempQuantity\":0,\"animationStatus\":\"IDLE\",\"inTheCartText\":\"### in basket\",\"noticeId\":\"\",\"hasPressedButton\":false}'\n\t\t\t\t>\n\t\t\t\t\t<button\n\t\t\t\t\t\tclass=\"wp-block-button__link wp-element-button wc-block-components-product-button__button add_to_cart_button ajax_add_to_cart product_type_simple has-font-size has-small-font-size has-text-align-center wc-interactive\"\n\t\t\t\t\t\tstyle=\"\"\n\t\t\t\t\t\ttype=\"button\" data-product_id=\"26112\" data-product_sku=\"\" aria-label=\"Add to basket: &ldquo;Livre E-book - Financer son avenir avec la bourse - mode d&#039;emploi&rdquo;\"\n\t\t\t\t\t\tdata-wp-on--click=\"actions.addCartItem\"\n\t\t\t\t\t>\n\t\t\t\t\t<span \n\t\t\tdata-wp-text=\"state.addToCartText\"\n\t\t\tdata-wp-class--wc-block-slide-in=\"state.slideInAnimation\"\n\t\t\tdata-wp-class--wc-block-slide-out=\"state.slideOutAnimation\"\n\t\t\tdata-wp-on--animationend=\"actions.handleAnimationEnd\"\n\t\t\tdata-wp-watch=\"callbacks.startAnimation\"\n\t\t\tdata-wp-run=\"callbacks.syncTempQuantityOnLoad\"\n\t\t>Add to basket<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<span\n\t\t\t\thidden\n\t\t\t\tdata-wp-bind--hidden=\"!state.displayViewCart\"\n\t\t\t>\n\t\t\t\t<a\n\t\t\t\t\thref=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\"\n\t\t\t\t\tclass=\"added_to_cart wc_forward\"\n\t\t\t\t\ttitle=\"View basket\"\n\t\t\t\t>\n\t\t\t\t\tView basket\n\t\t\t\t<\/a>\n\t\t\t<\/span>\n\t\t\t\t<\/div>\n\n\t\t\t\t<\/li><li class=\"wc-block-product post-26137 product type-product status-publish has-post-thumbnail product_tag-anti-surconsommation product_tag-autodiscipline product_tag-autonomie product_tag-ecologie product_tag-economie product_tag-epargne product_tag-bien-etre product_tag-bonheur product_tag-bonheur-durable product_tag-consommation-consciente product_tag-desencombrement product_tag-developpement-personnel product_tag-essentialisme product_tag-frugalite product_tag-liberte-financiere product_tag-minimalisme product_tag-mode-de-vie-alternatif product_tag-moins-mais-mieux product_tag-simplicite-volontaire product_tag-slow-living product_tag-sobriete-heureuse product_tag-vie-simple  instock downloadable shipping-taxable purchasable product-type-simple\"\n\t\t\t\t\t\n\t\t\t\tdata-wp-interactive=\"woocommerce\/product-collection\"\n\t\t\t\tdata-wp-context='woocommerce\/products::{\"productId\":26137,\"variationId\":null}'\n\t\t\t\tdata-wp-key=\"product-item-26137\"\n\t\t\t\n\t\t\t\t>\n\t\t\t\t\t\n<div data-block-name=\"woocommerce\/product-image\" data-image-sizing=\"thumbnail\" data-is-descendent-of-query-loop=\"true\" data-show-sale-badge=\"false\" class=\"wc-block-components-product-image wc-block-grid__product-image wc-block-components-product-image--aspect-ratio-auto wp-block-woocommerce-product-image\"><a href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/libere-toi-de-la-surconsommation\/\" style=\"\" data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\"><img decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=300%2C300&amp;ssl=1\" class=\"attachment-woocommerce_thumbnail size-woocommerce_thumbnail\" alt=\"Guide E-book - Lib\u00e8re-toi de la surconsommation\" data-testid=\"product-image\" data-image-id=\"26138\" style=\"object-fit:cover;\" loading=\"lazy\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=100%2C100&amp;ssl=1 100w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?zoom=2&amp;resize=300%2C300&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?zoom=3&amp;resize=300%2C300&amp;ssl=1 900w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" data-attachment-id=\"26138\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/?attachment_id=26138\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?fit=1410%2C2250&amp;ssl=1\" data-orig-size=\"1410,2250\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;1&quot;,&quot;alt&quot;:&quot;&quot;}\" data-image-title=\"pochette lib\u00e8re-toi de la surconsommation\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?fit=376%2C600&amp;ssl=1\" \/><div class=\"wc-block-components-product-image__inner-container\">\n\n<\/div><\/a><\/div>\n\n<h2 style=\"line-height:1.4;margin-bottom:0.75rem;margin-top:0\" class=\"wp-block-post-title has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Guide_E-book_%E2%80%93_Libere-toi_de_la_surconsommation\"><\/span><a data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\" href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/libere-toi-de-la-surconsommation\/\" target=\"_self\" >Guide E-book &#8211; Lib\u00e8re-toi de la surconsommation<\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div data-block-name=\"woocommerce\/product-price\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"has-font-size has-small-font-size has-text-align-center wp-block-woocommerce-product-price\" ><div class=\"wc-block-components-product-price wc-block-grid__product-price\" >\n\t\t\t\t\t<span class=\"woocommerce-Price-amount amount\"><bdi><span class=\"woocommerce-Price-currencySymbol\" translate=\"no\">&#67;&#72;&#70;<\/span>&nbsp;10.00<\/bdi><\/span>\n\t\t\t\t<\/div><\/div>\n\n<div data-block-name=\"woocommerce\/product-button\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-button wc-block-components-product-button align-center wp-block-woocommerce-product-button has-small-font-size\"\n\t\t\t\t\t\n\t\t\tdata-wp-interactive=\"woocommerce\/product-button\"\n\t\t\n\t\t\t\t\tdata-wp-context='{\"quantityToAdd\":1,\"addToCartText\":\"Add to basket\",\"tempQuantity\":0,\"animationStatus\":\"IDLE\",\"inTheCartText\":\"### in basket\",\"noticeId\":\"\",\"hasPressedButton\":false}'\n\t\t\t\t>\n\t\t\t\t\t<button\n\t\t\t\t\t\tclass=\"wp-block-button__link wp-element-button wc-block-components-product-button__button add_to_cart_button ajax_add_to_cart product_type_simple has-font-size has-small-font-size has-text-align-center wc-interactive\"\n\t\t\t\t\t\tstyle=\"\"\n\t\t\t\t\t\ttype=\"button\" data-product_id=\"26137\" data-product_sku=\"\" aria-label=\"Add to basket: &ldquo;Guide E-book - Lib\u00e8re-toi de la surconsommation&rdquo;\"\n\t\t\t\t\t\tdata-wp-on--click=\"actions.addCartItem\"\n\t\t\t\t\t>\n\t\t\t\t\t<span \n\t\t\tdata-wp-text=\"state.addToCartText\"\n\t\t\tdata-wp-class--wc-block-slide-in=\"state.slideInAnimation\"\n\t\t\tdata-wp-class--wc-block-slide-out=\"state.slideOutAnimation\"\n\t\t\tdata-wp-on--animationend=\"actions.handleAnimationEnd\"\n\t\t\tdata-wp-watch=\"callbacks.startAnimation\"\n\t\t\tdata-wp-run=\"callbacks.syncTempQuantityOnLoad\"\n\t\t>Add to basket<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<span\n\t\t\t\thidden\n\t\t\t\tdata-wp-bind--hidden=\"!state.displayViewCart\"\n\t\t\t>\n\t\t\t\t<a\n\t\t\t\t\thref=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\"\n\t\t\t\t\tclass=\"added_to_cart wc_forward\"\n\t\t\t\t\ttitle=\"View basket\"\n\t\t\t\t>\n\t\t\t\t\tView basket\n\t\t\t\t<\/a>\n\t\t\t<\/span>\n\t\t\t\t<\/div>\n\n\t\t\t\t<\/li><\/ul>\n\n<\/div>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-vivid-red-color has-primary-background-color has-text-color has-background\"><span class=\"ez-toc-section\" id=\"Le_3eme_pilier_a_en_bref_%F0%9F%A7%90\"><\/span><strong>Le 3\u00e8me pilier a en bref<\/strong> \ud83e\uddd0<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">J&#8217;ai \u00e9crit un article afin de d\u00e9tailler qu&#8217;est-ce le troisi\u00e8me pilier a, avec mon article &#8221;<a href=\"https:\/\/minimalistefrugaliste.com\/3eme-pilier-a\/\" target=\"_blank\" rel=\"noreferrer noopener\">investir dans un 3\u00e8me pilier a<\/a>&#8221;.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Dans les grandes lignes, un compte 3a est une pr\u00e9voyance individuelle via un compte d\u2019\u00e9pargne.<\/p>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-2f848750689e801e3e5167181ffa7c4f wp-block-paragraph\">\ud83d\udc49&nbsp;<strong>En effet, le compte 3a a \u00e9t\u00e9 cr\u00e9\u00e9 afin de compenser les bas revenus de l\u2019AVS et de la caisse de pension (premier pilier et deuxi\u00e8me pilier).<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">L\u2019objectif d&#8217;\u00e9pargner dans un compte 3a est de maintenir le niveau de vie du dernier salaire, une fois atteint l\u2019\u00e2ge de d\u00e9part \u00e0 la retraite.<\/p>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-548a68ec3334d4d09e0fef62cfad29e2 wp-block-paragraph\"><strong>Par contre, le compte 3a peut \u00eatre utilis\u00e9 pour d\u2019autres projets, comme par exemple:<\/strong><\/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>Acheter une r\u00e9sidence principale<\/li>\n\n\n\n<li>Cr\u00e9er son entreprise<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Par contre, ces retraits 3a sont soumis \u00e0 certaines conditions!<\/p>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-vivid-red-color has-primary-background-color has-text-color has-background\"><span class=\"ez-toc-section\" id=\"Le_3eme_pilier_a_et_la_fiscalite_suisse%F0%9F%A7%90\"><\/span><strong>Le 3\u00e8me pilier a et la fiscalit\u00e9 suisse<\/strong>\ud83e\uddd0<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Notons que chaque ann\u00e9e, concernant le compte 3a, il est permis de verser de l&#8217;argent jusqu&#8217;au plafond maximal admis par la Conf\u00e9d\u00e9ration suisse.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">En 2025, le montant maximum annuel afin de remplir le compte 3a est de 7&#8217;258 CHF.<\/p>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-c09568df49718bb5c77d1823616608c5 wp-block-paragraph\">\ud83d\udc49 <strong>De ce fait, mettre de l&#8217;argent dans ce compte-retraite de pr\u00e9caution, permet au contribuable suisse de b\u00e9n\u00e9ficier d&#8217;une diminution de l&#8217;imposition lors de la d\u00e9claration d&#8217;imp\u00f4t. C&#8217;est top !<\/strong><\/p>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-vivid-red-color has-primary-background-color has-text-color has-background\"><span class=\"ez-toc-section\" id=\"Mon_choix_concernant_le_compte_3a_%F0%9F%98%8A\"><\/span><strong>Mon choix concernant le compte 3a<\/strong> \ud83d\ude0a<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<h6 class=\"wp-block-heading has-text-align-center has-background\" style=\"border-width:5px;border-radius:22px;background-color:#060639\"><strong>\u26a0\ufe0f Investir comporte un risque de perte d&#8217;argent. Cet article est uniquement un avis personnel et pas un conseil d&#8217;investissement<\/strong><\/h6>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-8ad340f046133ff24f83e95b93798b6a wp-block-paragraph\"><strong>\ud83d\udc49 Concernant les placements financiers de mon compte 3a. Je souhaite que mon compte 3a ait une strat\u00e9gie boursi\u00e8re agressive investissant principalement dans des fonds indiciels ou des ETF.<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">De ce fait, je souhaite que les virements mensuels que j&#8217;effectue dans mon compte 3a, ne gardent qu&#8217;un petit pourcentage en liquidit\u00e9s.<\/p>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-vivid-red-color has-primary-background-color has-text-color has-background\"><span class=\"ez-toc-section\" id=\"Le_minimalisme_quand_on_doit_choisir_%F0%9F%98%8A\"><\/span><strong>Le minimalisme quand on doit choisir<\/strong> \ud83d\ude0a<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<h6 class=\"wp-block-heading has-text-align-center has-luminous-vivid-amber-color has-text-color has-background\" style=\"background-color:#04081f\">\u25b6 <strong>Comme nous a appris le minimalisme. Quand on souhaite choisir un aspect important dans la vie, il faut en premier lieu <\/strong><span style=\"text-decoration: underline;\"><strong>\u00e9carter ce que nous ne voulons pas<\/strong>.<\/span><\/h6>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-vivid-red-color has-primary-background-color has-text-color has-background\"><span class=\"ez-toc-section\" id=\"Les_criteres_importants_%F0%9F%A7%90\"><\/span><strong>Les crit\u00e8res importants<\/strong> \ud83e\uddd0<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<h6 class=\"wp-block-heading has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-4a1848d2dc6dbbfc70bdcf037c96e0be\"><strong>Selon mon avis, pour choisir un bon compte 3a, <span style=\"text-decoration: underline;\">il y a 8 param\u00e8tres importants \u00e0 analyser \ud83e\uddd0<\/span><\/strong><\/h6>\n\n\n\n<ul class=\"wp-block-list\">\n<li>La commission annuelle<\/li>\n\n\n\n<li>Les frais indirects ou frais cach\u00e9s<\/li>\n\n\n\n<li>Le pourcentage investi en bourse<\/li>\n\n\n\n<li>L&#8217;\u00e9volution du rendement du porte-monnaie boursier les derniers 5 ans (ou plus).<\/li>\n\n\n\n<li>Le pourcentage investi dans des fonds indiciels ou ETF&#8217;s<\/li>\n\n\n\n<li>Le pourcentage d&#8217;investissement \u00e0 l&#8217;\u00e9tranger &amp; en Suisse<\/li>\n\n\n\n<li>La qualit\u00e9 du service client<\/li>\n\n\n\n<li>La s\u00e9curit\u00e9 du compte 3a<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-2c85994a8222b7a2b9aa8173c3a17478 wp-block-paragraph\"><strong>Analysons chaque aspect individuellement \ud83d\ude0a<\/strong><\/p>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-background-color has-primary-background-color has-text-color has-background\"><span class=\"ez-toc-section\" id=\"Commission_annuelle_%F0%9F%92%B2\"><\/span><strong>Commission annuelle<\/strong> \ud83d\udcb2<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-660de740ae4bf362b54c0346d2b3265a wp-block-paragraph\"><strong>Pour commencer, je vais analyser les <span style=\"text-decoration: underline;\">comptes 3a avec la commission annuelle acceptable<\/span>.<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center has-white-color has-text-color has-link-color wp-elements-1e4bdf2f2f3a556afe43bef1cd8d9548 wp-block-paragraph\">\ud83d\udc49 De ce fait, je vais uniquement prendre en <strong>consid\u00e9ration les comptes 3a qui ont une <span style=\"text-decoration: underline;\">commission annuelle inf\u00e9rieure \u00e0 0.44%<\/span>.<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-c499d07e3e1775a61c52ee5917a8d2d0 wp-block-paragraph\"><strong>Voici le r\u00e9sultat des comptes 3a qui demandent moins de 0.44%:<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--1\" style=\"font-size:1rem\"><table class=\"has-border-color has-luminous-vivid-orange-border-color has-fixed-layout\" style=\"border-width:3px\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Nom du 3a<\/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\">Finpension<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.39-0.41%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Viac<\/td><td class=\"has-text-align-center\" data-align=\"center\">0 &#8211; 0.43%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Yapeal<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.42 &#8211; 0.47%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">True Wealth<\/td><td class=\"has-text-align-center\" data-align=\"center\">0 &#8211; 0.15%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Neon<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.39 &#8211; 0.45%<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">commission annuelle par 3a &#8211; minimalistefrugaliste.com<\/figcaption><\/figure>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-background-color has-primary-background-color has-text-color has-background\"><span class=\"ez-toc-section\" id=\"Les_frais_indirects\"><\/span><strong>Les frais indirects<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Il est tr\u00e8s rare qu&#8217;un compte de pr\u00e9voyance n&#8217;ait pas de frais indirects. Par exemple, il est possible d&#8217;avoir des frais de transactions, des frais TER ou des frais de sortie.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">En ce qui concerne les 5 comptes 3a cit\u00e9s ant\u00e9rieurement, les 4 n&#8217;ont pas de frais indirects exag\u00e9r\u00e9s. Bien que chaque compte 3a ait des frais exceptionnels concernant certaines prestations.<\/p>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-534d423e16c2f432d134b0b572ff1c9d wp-block-paragraph\"><strong>J&#8217;ai estim\u00e9 une moyenne des frais indirects les commissions indirectes de chaque compte :<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--2\" style=\"font-size:0.85rem\"><table class=\"has-border-color has-luminous-vivid-orange-border-color has-fixed-layout\" style=\"border-width:3px\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Nom du 3a<\/th><th class=\"has-text-align-center\" data-align=\"center\">% en moyenne des frais indirects<\/th><th class=\"has-text-align-center\" data-align=\"center\">% de commission frais de gestion annuel<\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>% Total<\/strong><\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Finpension<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.05%<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.39%<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.44%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Viac<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.05%<\/td><td class=\"has-text-align-center\" data-align=\"center\">0 &#8211; 0.40%<\/td><td class=\"has-text-align-center\" data-align=\"center\">0- 0.45%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">True Wealth<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.20%<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.25%<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.45%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Neon 3a<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.07%<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.39-0.45%<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.397-0.457%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Yapeak<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.05%<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.42-0.47<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.425%-0.475%<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Pourcentage investi en bourse &#8211; minimalistefrugaliste.com<\/figcaption><\/figure>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-20ba007cf41e29f96c21891abfff05c9 wp-block-paragraph\">\ud83d\udc49 <strong>Notons qu&#8217;au final, les 5 comptes 3a ont des commissions finales tr\u00e8s similaires.<\/strong><\/p>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-background-color has-primary-background-color has-text-color has-background\"><span class=\"ez-toc-section\" id=\"Pourcentage_investi_en_bourse\"><\/span><strong>Pourcentage investi en bourse<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Ensuite, on va analyser le pourcentage investi en bourse via des ETF&#8217;s ou fonds indiciels. <\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">\ud83d\udc49 Selon mon avis,<mark style=\"background-color:rgba(0, 0, 0, 0);color:#f3e9bb\" class=\"has-inline-color\"> <strong>l<span style=\"text-decoration: underline;\">e pourcentage minimum doit \u00eatre de 99%<\/span> pour une strat\u00e9gie globale<\/strong><\/mark> <\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a57ac5c17632&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a57ac5c17632\" class=\"wp-block-image aligncenter size-full is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"498\" height=\"474\" data-attachment-id=\"20039\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/comment-choisir-meilleur-3eme-pilier-suisse\/globeworldgif\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/10\/GlobeWorldGIF.gif?fit=498%2C474&amp;ssl=1\" data-orig-size=\"498,474\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"GlobeWorldGIF\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/10\/GlobeWorldGIF.gif?fit=498%2C474&amp;ssl=1\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/10\/GlobeWorldGIF.gif?resize=498%2C474&#038;ssl=1\" alt=\"\" class=\"wp-image-20039\" style=\"width:67px;height:auto\"\/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Voici le tableau avec les 3a que j&#8217;ai s\u00e9lectionn\u00e9 ant\u00e9rieurement:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--3\" style=\"font-size:1rem\"><table class=\"has-border-color has-luminous-vivid-orange-border-color has-fixed-layout\" style=\"border-width:3px\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Nom du 3a<\/th><th class=\"has-text-align-center\" data-align=\"center\">Pourcentage maximum investi en bourse<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Finpension<\/td><td class=\"has-text-align-center\" data-align=\"center\">99%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Viac<\/td><td class=\"has-text-align-center\" data-align=\"center\">99% (depuis janvier 2023)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Yepeal<\/td><td class=\"has-text-align-center\" data-align=\"center\">50%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">True Wealth<\/td><td class=\"has-text-align-center\" data-align=\"center\">99%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Neon 3a<\/td><td class=\"has-text-align-center\" data-align=\"center\">99%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Comme on le constate, Yapeal ne rentre pas dans mes crit\u00e8res.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Je le r\u00e9p\u00e8te encore une fois, selon mon avis, un compte 3a doit effectuer au moins 99% des placements en bourse !<\/p>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-75aae190d149237482f14214626fb5fc wp-block-paragraph\">\ud83d\udc49 <strong>Dans ce cas, il nous reste plus que quatre comptes 3a int\u00e9ressants.<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--4\" style=\"font-size:0.85rem\"><table class=\"has-border-color has-luminous-vivid-orange-border-color has-fixed-layout\" style=\"border-width:3px\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Nom du 3a<\/th><th class=\"has-text-align-center\" data-align=\"center\">Pourcentage maximum investi en bourse<\/th><th class=\"has-text-align-center\" data-align=\"center\">% de commission finale<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Finpension<\/td><td class=\"has-text-align-center\" data-align=\"center\">99%<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.44%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Viac<\/td><td class=\"has-text-align-center\" data-align=\"center\">99% <\/td><td class=\"has-text-align-center\" data-align=\"center\">0 &#8211; 0.45%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">True Wealth<\/td><td class=\"has-text-align-center\" data-align=\"center\">99%<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.45%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Neon 3a<\/td><td class=\"has-text-align-center\" data-align=\"center\">99%<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.39-0.457%<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Pourcentage investi en bourse &#8211; minimalistefrugaliste.com<\/figcaption><\/figure>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-background-color has-primary-background-color has-text-color has-background\"><span class=\"ez-toc-section\" id=\"Levolution_du_portemonnaie_boursier_les_5_dernieres_annees_%F0%9F%93%8A\"><\/span><strong>L&#8217;\u00e9volution du portemonnaie boursier les 5 derni\u00e8res ann\u00e9es<\/strong> \ud83d\udcca<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<h6 class=\"wp-block-heading has-text-align-center has-background\" style=\"border-width:3px;border-radius:15px;background-color:#181046\"><strong>\u26a0 Il est important de comprendre que les performances pass\u00e9es en bourse ne garantissent pas les performances futures.<\/strong><\/h6>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-9b3807c982f185b8132c0df7bdb4ce6b wp-block-paragraph\"><strong>En effet, pour le client, un des aspects les plus importants avec son compte 3a, se sont les rendements boursiers du compte 3a sur le long terme \ud83d\ude09 <\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">J&#8217;ai toujours pr\u00e9f\u00e9r\u00e9 une strat\u00e9gie globale 100. D&#8217;apr\u00e8s mes recherches, c&#8217;est r\u00e9guli\u00e8rement la strat\u00e9gie la plus rentable sur le long terme.<\/p>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-fc987d59c35578e83ac9f9b65f7ead0c wp-block-paragraph\"><strong>\ud83d\udc49 Voici les gains boursiers annualis\u00e9s en 5 ans de chaque compte 3a<\/strong>:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--5\" style=\"font-size:0.8rem\"><table class=\"has-border-color has-luminous-vivid-orange-border-color has-fixed-layout\" style=\"border-width:3px\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\"><\/th><th class=\"has-text-align-center\" data-align=\"center\">P\u00e9riode<\/th><th class=\"has-text-align-center\" data-align=\"center\">Rendement annualis\u00e9 en 5 ans<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Viac<\/td><td class=\"has-text-align-center\" data-align=\"center\">De novembre 2020 \u00e0 novembre 2025<\/td><td class=\"has-text-align-center\" data-align=\"center\">+9.4%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Findpension<\/td><td class=\"has-text-align-center\" data-align=\"center\">De novembre 2020 \u00e0 novembre 2025<\/td><td class=\"has-text-align-center\" data-align=\"center\">+9.25%<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Gains boursiers Viac VS Findpension &#8211; minimalistefrugaliste.com<\/figcaption><\/figure>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-223f60cce7546ee572baf8e2ddda0bb9 wp-block-paragraph\"><strong>Pendant cette p\u00e9riode, <mark style=\"background-color:rgba(0, 0, 0, 0);color:#fcb900\" class=\"has-inline-color\">Viac \u00e0 gagn\u00e9 de 0.15%<\/mark><\/strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#e9b8b8\" class=\"has-inline-color\"><strong>.<\/strong><\/mark><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Cependant, j&#8217;ai constat\u00e9 qu&#8217;\u00e0 0,15% pr\u00e8s, Viac 100 et Finpension global 100 ont une performance tr\u00e8s similaire sur une longue p\u00e9riode.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">En effet, parfois Viac a un rendement l\u00e9g\u00e8rement sup\u00e9rieur \u00e0 Finpension et selon d&#8217;autres p\u00e9riodes, Finpension a un rendement l\u00e9g\u00e8rement sup\u00e9rieur \u00e0 Viac.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">En r\u00e9alit\u00e9, les strat\u00e9gies boursi\u00e8res de Finpension et Viac sont historiquement tr\u00e8s rentables et pr\u00e9sentent un pourcentage de rendement similaire sur un longue p\u00e9riode.<\/p>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-pale-cyan-blue-color has-text-color has-link-color wp-elements-35e629b8ac584562fe9e5413cf31fb09\"><span class=\"ez-toc-section\" id=\"True_Wealth_et_Neon_3a_quel_est_leur_rendement\"><\/span><strong>True Wealth et Neon 3a, quel est leur rendement ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">En ce qui concerne True Wealth et Neon 3a, je pense que leur rendement manque de clart\u00e9 avec le rendement r\u00e9el !<\/p>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-5136fd55d8df7c183e3b50c1b08db91a wp-block-paragraph\"><strong>En r\u00e9alit\u00e9, Viac ou Findpension indiquent clairement les r\u00e9sultats annualis\u00e9s r\u00e9els, tandis que True Wealth ne donne qu&#8217;un graphique (en tous cas, c&#8217;est tout ce que j&#8217;ai trouv\u00e9) et Neon 3a est trop jeune pour afficher son r\u00e9sultat r\u00e9el.<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">\ud83d\udc49 Vu qu&#8217;il n&#8217;y a pas une information pr\u00e9cise concernant le rendement annualis\u00e9 r\u00e9el. J&#8217;\u00e9carte True Wealth et Neon 3a de la liste.<\/p>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-background-color has-primary-background-color has-text-color has-background\"><span class=\"ez-toc-section\" id=\"Le_Pourcentage_investi_dans_des_fonds_indiciels_et_ETF\"><\/span><strong>Le <\/strong>Pourcentage investi dans des fonds indiciels et ETF<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Les comptes 3a investissent principalement dans des ETF et fond indiciels.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Les fonds indiciels ont un avantage par rapport aux ETF. C&#8217;est-\u00e0-dire, il n&#8217;y a pas de frais de TER \u00e0 payer avec un fonds indiciel, contrairement \u00e0 l&#8217;ETF.<\/p>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-e1f5495f69517cd7f205d65f89eafe36 wp-block-paragraph\"><strong>En Suisse, selon mon opinion, les meilleurs fonds indiciels sont ceux de Swisscanto, car ils ont des frais faibles et ils sont fiables.<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Viac 3a et Finpension 3a investissent principalement dans les fonds indiciels 3a et donnent la possibilit\u00e9 d&#8217;investir via Swisscanto. De ce fait, \u00e9galit\u00e9 entre les 2 !<\/p>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-background-color has-primary-background-color has-text-color has-background\"><span class=\"ez-toc-section\" id=\"Le_pourcentage_dinvestissement_a_letranger\"><\/span>Le pourcentage d&#8217;investissement \u00e0 l&#8217;\u00e9tranger<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Selon mon opinion, avec une strat\u00e9gie global 100 (la strat\u00e9gie la plus agressive), le pourcentage d&#8217;investissement doit \u00eatre de:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li> Au minimum de 60% hors de la suisse<\/li>\n\n\n\n<li>Au minimum 30% aux USA<\/li>\n\n\n\n<li>Au maximum 40% en Suisse<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Viac 3a et Finpension 3a entrent dans ces crit\u00e8res. C&#8217;est parfait.<\/p>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-background-color has-primary-background-color has-text-color has-background\"><span class=\"ez-toc-section\" id=\"Le_service_client\"><\/span><strong>Le service client<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Nous allons investir une bonne partie de notre \u00e9pargne dans un compte avec une strat\u00e9gie pr\u00e9cise. De ce fait, je trouve primordial que les r\u00e9ponses du service client soient claires et un relativement rapides.<\/p>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-ce8079015b5a61659dbbab04a7d38fbf wp-block-paragraph\"><strong>\ud83d\udc49 J&#8217;ai test\u00e9 le service client avec les 2.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Selon mes exp\u00e9riences, les 2 comptes 3a ont un tr\u00e8s bon service client.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Cependant, j&#8217;ai trouv\u00e9 que le service client de Viac est le meilleur et plus r\u00e9actif !<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--6\" style=\"font-size:0.9rem\"><table class=\"has-border-color has-luminous-vivid-orange-border-color has-fixed-layout\" style=\"border-width:3px\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Nom du 3a<\/th><th class=\"has-text-align-center\" data-align=\"center\">Mon avis concernant la qualit\u00e9 du service client<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><a href=\"https:\/\/finpension.ch\/fr\/\">Finpension<\/a><\/td><td class=\"has-text-align-center\" data-align=\"center\">8 \/ 10<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><a href=\"https:\/\/viac.ch\/fr\/\">Viac<\/a><\/td><td class=\"has-text-align-center\" data-align=\"center\">10 \/ 10<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Pourcentage investi en bourse &#8211; minimalistefrugaliste.com<\/figcaption><\/figure>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-background-color has-primary-background-color has-text-color has-background\"><span class=\"ez-toc-section\" id=\"Securite_%F0%9F%94%8F\"><\/span><strong>S\u00e9curit\u00e9<\/strong> \ud83d\udd0f<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-3b472e6f40b9b2e7af0e1ce732e579de wp-block-paragraph\"><strong>\ud83d\udc49 D&#8217;apr\u00e8s ce que j&#8217;ai lu sur les sites de Viac et Findpension, ils affirment que les titres investis sont prot\u00e9g\u00e9s en cas de faillite.<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">En effet, en cas de faillite de Viac ou Finpension, l&#8217;argent liquide est prot\u00e9g\u00e9 jusqu&#8217;\u00e0 100&#8217;000 CHF pour les liquidit\u00e9s. En ce qui concerne les titres boursiers, en cas de faillite de Viac ou Finpension, les titres seront transf\u00e9r\u00e9s sur un autre compte 3a.<\/p>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-background-color has-primary-background-color has-text-color has-background\"><span class=\"ez-toc-section\" id=\"Autres_services_importants_%F0%9F%93%83\"><\/span><strong>Autres services importants<\/strong> \ud83d\udcc3<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<h6 class=\"wp-block-heading has-text-align-center has-luminous-vivid-amber-color has-text-color\"><strong>Bien que les deux comptes 3a sont tr\u00e8s int\u00e9ressants. Chaque compte propose des services suppl\u00e9mentaires qui ne sont pas n\u00e9gligeables. Voici un r\u00e9sum\u00e9 des points importants.<\/strong><\/h6>\n\n\n\n<h6 class=\"wp-block-heading has-text-align-center has-background-color has-pale-cyan-blue-background-color has-text-color has-background\"><strong>Commission annuelle diminu\u00e9e<\/strong><\/h6>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Au moment o\u00f9 j&#8217;\u00e9cris cet article. Concernant une strat\u00e9gie Global 100 avec Swisscanto sans obligations. Finpension a une commission annuelle de 0.39%, tandis que Viac propose 0.40%.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">\u00c0 premi\u00e8re vue, on pourrait dire que les frais de gestion de Finpension est moins cher.<\/p>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-77b8d6bf58bce9e40c0a28a8ddda74a2 wp-block-paragraph\"><strong>\ud83d\udc49 Sauf que Viac permet de diminuer cette commission avec les codes promos. Par exemple<\/strong>:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--7\" style=\"font-size:0.9rem\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\"><\/th><th class=\"has-text-align-center\" data-align=\"center\">Commission<br>Viac<\/th><th class=\"has-text-align-center\" data-align=\"center\">Commission<br>Finpension<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">10&#8217;000 CHF sur le 3a, sans code promo<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.40%<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.39%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">5&#8217;500 CHF de codes promos sur 10&#8217;000 CHF 3a<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.10%<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.39%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">5&#8217;500 CHF sur le 3a, sans code promo<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.40%<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.39%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">5&#8217;500 CHF de code promos sur 5&#8217;500 CHF 3a<\/td><td class=\"has-text-align-center\" data-align=\"center\">0%<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.39%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color wp-block-paragraph\">\ud83d\udd32 <strong>Pour conclure, Viac est plus int\u00e9ressant avec les codes promos pour des &#8221;petits&#8221; montants.<\/strong><\/p>\n\n\n\n<h6 class=\"wp-block-heading has-text-align-center has-background-color has-pale-cyan-blue-background-color has-text-color has-background\"><strong>Assurance invalidit\u00e9<\/strong><\/h6>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">\ud83d\udc49 <strong>Viac te permet de rajouter gratuitement<span style=\"text-decoration: underline;\"> 2&#8217;500 CHF chaque 10&#8217;000 CHF investit <\/span>dans un compte 3a Viac. <\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Par exemple, si tu as 20&#8217;000 CHF sur ton 3a, Viac donne gratuitement 5&#8217;000 CHF si un jour tu deviens invalide. Ce n&#8217;est pas n\u00e9gligeable.<\/p>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color wp-block-paragraph\">\ud83d\udd32 <strong>Viac gagne sur ce terrain car Finpension ne propose pas ce service<\/strong>.<\/p>\n\n\n\n<h6 class=\"wp-block-heading has-text-align-center has-background-color has-pale-cyan-blue-background-color has-text-color has-background\"><strong>Hypoth\u00e8que immobili\u00e8re<\/strong><\/h6>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Si tu as un compte 3a avec Viac. Tu peux financer l&#8217;hypoth\u00e8que de ton futur bien immobilier avec un taux hypoth\u00e8que int\u00e9ressant.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Finpension ne propose pas ce service.<\/p>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color wp-block-paragraph\">\ud83d\udd32 <strong>Viac est le gagnant sur ce service<\/strong>.<\/p>\n\n\n\n<h5 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><\/h5>\n\n\n\n<h6 class=\"wp-block-heading has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-03d7c6cc4432d882786dc26530681663\">\u27a1 Concernant une strat\u00e9gie agressive en bourse. <strong><span style=\"text-decoration: underline;\">Viac et Finpension sont, selon mon avis, les 2 meilleures options pour ouvrir un compte 3a en bourse <\/span><\/strong>! Afin de placer son argent et faire fructifier son \u00e9pargne dans son compte 3a.<\/h6>\n\n\n\n<h6 class=\"wp-block-heading has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-6cf4495f7595d1121fb4bb0020e7aadf\"><strong>Voici un tableau avec les principales diff\u00e9rences entre les deux:<\/strong><\/h6>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--8\" style=\"font-size:0.85rem\"><table class=\"has-border-color has-luminous-vivid-orange-border-color has-fixed-layout\" style=\"border-width:3px\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\"><\/th><th class=\"has-text-align-center\" data-align=\"center\">Viac<\/th><th class=\"has-text-align-center\" data-align=\"center\">Finpension<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Pourcentage investi en bourse<\/td><td class=\"has-text-align-center\" data-align=\"center\">99%<\/td><td class=\"has-text-align-center\" data-align=\"center\">99%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">S\u00e9curit\u00e9 du compte 3a<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tr\u00e8s Bonne<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tr\u00e8s Bonne<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Commission annuelle (strat\u00e9gie global 100)<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.0 &#8211; 0.40%<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.39 %<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Frais indirects<\/td><td class=\"has-text-align-center\" data-align=\"center\">Peu de frais<\/td><td class=\"has-text-align-center\" data-align=\"center\">Peu de frais<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Rendement pass\u00e9 avec une strat\u00e9gie 99% actions<br> (global 100)<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tr\u00e8s bon<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tr\u00e8s bon<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Possibilit\u00e9 d&#8217;investir sur les fonds indiciels de Swisscanto<\/td><td class=\"has-text-align-center\" data-align=\"center\">Oui<\/td><td class=\"has-text-align-center\" data-align=\"center\">Oui<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Assurance invalidit\u00e9 gratuite<\/td><td class=\"has-text-align-center\" data-align=\"center\"><mark style=\"background-color:#00551c\" class=\"has-inline-color has-primary-color\">2&#8217;500 CHF chaque 10&#8217;000 CHF investi<\/mark><\/td><td class=\"has-text-align-center\" data-align=\"center\">Pas d&#8217;assurance invalidit\u00e9<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Hypoth\u00e8que immobili\u00e8re avec un bon taux<\/td><td class=\"has-text-align-center\" data-align=\"center\"><mark style=\"background-color:#0e5400\" class=\"has-inline-color has-primary-color\">Possible<\/mark><\/td><td class=\"has-text-align-center\" data-align=\"center\">Pas possible<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Service Client<\/td><td class=\"has-text-align-center\" data-align=\"center\"><mark style=\"background-color:#0e5400\" class=\"has-inline-color has-primary-color\">Super<\/mark><\/td><td class=\"has-text-align-center\" data-align=\"center\">Tr\u00e8s Bon<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Possibilit\u00e9 de cr\u00e9er plusieurs comptes 3a ?<\/td><td class=\"has-text-align-center\" data-align=\"center\">Oui<\/td><td class=\"has-text-align-center\" data-align=\"center\">Oui<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Grandes diff\u00e9rences entre Viac et Findpension &#8211; minimalistefrugaliste.com<\/figcaption><\/figure>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-02b39bbab06cf5e619b5dc0d1d2e15e9 wp-block-paragraph\">\u27a1 <strong>Je pense que Viac et Finpension sont au coude \u00e0 coude avec le compte 3a<\/strong> !<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">En r\u00e9alit\u00e9, je pense que les 2 sont des excellents comptes 3a \u00e0 d\u00e9tenir. Bravo \u00e0 eux !<\/p>\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-77b97fe5 wp-block-social-links-is-layout-flex\"><li class=\"wp-social-link wp-social-link-youtube wp-block-social-link\"><a href=\"https:\/\/www.youtube.com\/@minimalistefrugaliste\" class=\"wp-block-social-link-anchor\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M21.8,8.001c0,0-0.195-1.378-0.795-1.985c-0.76-0.797-1.613-0.801-2.004-0.847c-2.799-0.202-6.997-0.202-6.997-0.202 h-0.009c0,0-4.198,0-6.997,0.202C4.608,5.216,3.756,5.22,2.995,6.016C2.395,6.623,2.2,8.001,2.2,8.001S2,9.62,2,11.238v1.517 c0,1.618,0.2,3.237,0.2,3.237s0.195,1.378,0.795,1.985c0.761,0.797,1.76,0.771,2.205,0.855c1.6,0.153,6.8,0.201,6.8,0.201 s4.203-0.006,7.001-0.209c0.391-0.047,1.243-0.051,2.004-0.847c0.6-0.607,0.795-1.985,0.795-1.985s0.2-1.618,0.2-3.237v-1.517 C22,9.62,21.8,8.001,21.8,8.001z M9.935,14.594l-0.001-5.62l5.404,2.82L9.935,14.594z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">YouTube<\/span><\/a><\/li>\n\n<li class=\"wp-social-link wp-social-link-linkedin wp-block-social-link\"><a href=\"https:\/\/www.linkedin.com\/in\/minimalistefrugaliste\/\" class=\"wp-block-social-link-anchor\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M19.7,3H4.3C3.582,3,3,3.582,3,4.3v15.4C3,20.418,3.582,21,4.3,21h15.4c0.718,0,1.3-0.582,1.3-1.3V4.3 C21,3.582,20.418,3,19.7,3z M8.339,18.338H5.667v-8.59h2.672V18.338z M7.004,8.574c-0.857,0-1.549-0.694-1.549-1.548 c0-0.855,0.691-1.548,1.549-1.548c0.854,0,1.547,0.694,1.547,1.548C8.551,7.881,7.858,8.574,7.004,8.574z M18.339,18.338h-2.669 v-4.177c0-0.996-0.017-2.278-1.387-2.278c-1.389,0-1.601,1.086-1.601,2.206v4.249h-2.667v-8.59h2.559v1.174h0.037 c0.356-0.675,1.227-1.387,2.526-1.387c2.703,0,3.203,1.779,3.203,4.092V18.338z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">LinkedIn<\/span><\/a><\/li><\/ul>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-background-color has-cyan-bluish-gray-background-color has-text-color has-background\"><strong>N&#8217;h\u00e9site pas \u00e0 lire mes Pages<\/strong><\/h5>\n\n\n<ul class=\"wp-block-page-list\"><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/a-propos-de-moi\/\">\u00c0 propos de moi<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/epargne-frugalisme\/\">\u00c9pargne \/ Frugalisme<\/a><\/li><li class=\"wp-block-pages-list__item menu-item-home\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/\">Bienvenue<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/blog\/\">Blog<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/boutique\/\">Boutique<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/contact-dons\/\">Contact<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/formation-e-book\/\">Formation \/ E-book<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement\/\">Investissement<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/page-minimaliste\/\">Minimaliste<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/mon-compte\/\">Mon compte<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/newsletter\/\">Newsletter<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\">Panier<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/commander\/\">Validation de la commande<\/a><\/li><\/ul>\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-background-color has-cyan-bluish-gray-background-color has-text-color has-background\"><strong>Derniers articles<\/strong><\/h5>\n\n\n<ul class=\"wp-block-latest-posts__list wp-block-latest-posts\"><li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/les-5-erreurs-a-eviter-quand-on-debute-en-bourse\/\">Les 5 erreurs \u00e0 \u00e9viter quand on d\u00e9bute en bourse<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-en-bourse-le-guide-complet-pour-debutant-en-7-etapes\/\">Comment investir en bourse ? Le guide complet pour d\u00e9butant en 7 \u00e9tapes<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-inflation-influence-richesse\/\">Comment l&#8217;Inflation influence ta richesse?<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/combien-annees-atteindre-liberte-financiere-fire\/\">Combien d&#8217;ann\u00e9es pour atteindre sa libert\u00e9 financi\u00e8re FIRE?<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/regle-4\/\">R\u00e8gle des 4%: La r\u00e8gle d&#8217;or pour l&#8217;ind\u00e9pendance financi\u00e8re<\/a><\/li>\n<\/ul>\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-dots\"\/>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-light-green-cyan-color has-text-color\"><strong>Comment vit ce blog?<\/strong><\/h5>\n\n\n\n<p class=\"wp-block-paragraph\">Globalement, ce blog vit du partage d\u2019un mode de vie frugale et minimaliste.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour une question de transparence envers les lecteurs. Tous les produits conseill\u00e9s sont dans le but de rendre la vie moins ch\u00e8re, plus simple et pour favoriser l&#8217;essentiel.<\/p>\n\n\n\n<p class=\"has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-3f93acef4b70ccc4ca10ffce460f03fd wp-block-paragraph\"><strong>Essentiellement, mes seuls revenus avec ce blog viennent:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Des formations que je r\u00e9alise, <\/li>\n\n\n\n<li>Des codes promo pour les produits que j\u2019utilise <\/li>\n\n\n\n<li>Des dons que les lecteurs font en \u00e9change d\u2019informations neutres.<\/li>\n<\/ul>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-light-green-cyan-color has-text-color\"><strong>\u00c0 propos de Moi<\/strong><\/h5>\n\n\n\n<h6 class=\"wp-block-heading has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-5daf2f135bed92bf2dd6844d889bcc42\"><strong>J&#8217;ai en effet d\u00e9cid\u00e9 de cr\u00e9er ce blog pour me d\u00e9velopper et aider les lecteurs qui recherchent une vie plus simple et plus \u00e9conome.<\/strong><\/h6>\n\n\n\n<p class=\"wp-block-paragraph\">Comparativement \u00e0 avant, j&#8217;\u00e9tais une personne qui consommais beaucoup <strong><span style=\"text-decoration: underline;\">jusqu&#8217;au jour o\u00f9 j&#8217;ai compris que ma consommation me rendais plus triste et plus pauvre<\/span><\/strong> \ud83d\ude11<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D\u00e9sormais, <strong><span style=\"text-decoration: underline;\">je privil\u00e9gie le minimum de mes besoins pour \u00eatre heureux et atteindre ma libert\u00e9 financi\u00e8re.<\/span><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sans me rendre compte, j<strong><span style=\"text-decoration: underline;\">&#8216;ai commenc\u00e9 \u00e0 privil\u00e9gier l&#8217;\u00e9pargne et les investissements pour d\u00e9pendre d&#8217;un patron le moins longtemps possible<\/span><\/strong> et pour acc\u00e9l\u00e9rer mes projets personnels.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">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","protected":false},"excerpt":{"rendered":"<p>Comment choisir le meilleur 3\u00e8me pilier A en Suisse? Dans cet article, nous allons examiner par \u00e9limination, les meilleurs comptes 3a \u00e0 investir. Le 3\u00e8me pilier a en bref \ud83e\uddd0 J&#8217;ai \u00e9crit un article afin de d\u00e9tailler qu&#8217;est-ce le troisi\u00e8me pilier a, avec mon article &#8221;investir dans un 3\u00e8me pilier a&#8221;. Dans les grandes lignes, [&hellip;]<\/p>\n","protected":false},"author":215552267,"featured_media":17016,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_wpcom_ai_launchpad_first_post":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":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":[728542924,728542817,728543403,728542864,728542814,728542867,728542836,728543177,728542869,728543391,728542822,728543405,728542821,728542919,728542818,728543407,728543401,728542820,728542901],"class_list":["post-3629","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investissement","tag-3a","tag-3eme","tag-avantages","tag-economiser","tag-bourse","tag-choisir","tag-comment","tag-commission","tag-compte","tag-finpension","tag-frugaliste","tag-meilleur","tag-minimaliste","tag-minimalistefrugaliste","tag-pilier","tag-porte-feuille","tag-quel","tag-suisse","tag-viac"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Comment choisir le meilleur 3\u00e8me pilier A en Suisse?<\/title>\n<meta name=\"description\" content=\"Comment choisir le meilleur 3\u00e8me pilier A en Suisse? 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