{"id":29164,"date":"2025-11-19T19:00:00","date_gmt":"2025-11-19T18:00:00","guid":{"rendered":"https:\/\/helpfrontaliers.ch\/?p=29164"},"modified":"2026-03-14T11:36:46","modified_gmt":"2026-03-14T10:36:46","slug":"les-trois-piliers-du-systeme-de-retraite-en-suisse-guide-complet-pour-frontaliers-et-residents","status":"publish","type":"post","link":"https:\/\/helpfrontaliers.ch\/en\/guides\/les-trois-piliers-du-systeme-de-retraite-en-suisse-guide-complet-pour-frontaliers-et-residents\/","title":{"rendered":"Les Trois Piliers du syst\u00e8me de retraite en Suisse"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"29164\" class=\"elementor elementor-29164\">\n\t\t\t\t<div class=\"elementor-element elementor-element-219a105 e-flex e-con-boxed e-con e-parent\" data-id=\"219a105\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element-custom_font_size elementor-element-custom_font_family elementor-element-custom_color elementor-element elementor-element-bec7989 elementor-widget elementor-widget-text-editor\" data-id=\"bec7989\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2 data-start=\"763\" data-end=\"822\">Qu\u2019est-ce que le syst\u00e8me des trois piliers en Suisse ?<\/h2>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element-custom_font_size elementor-element-custom_font_family elementor-element-custom_color elementor-element elementor-element-6c24db7 elementor-widget elementor-widget-text-editor\" data-id=\"6c24db7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"824\" data-end=\"1054\">La <strong data-start=\"827\" data-end=\"849\">retraite en Suisse<\/strong> repose sur un concept unique : trois piliers compl\u00e9mentaires qui garantissent un revenu stable apr\u00e8s la vie active. Chaque pilier joue un r\u00f4le sp\u00e9cifique pour constituer une <strong data-start=\"1024\" data-end=\"1050\">base financi\u00e8re solide.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-08e2fc2 e-flex e-con-boxed e-con e-parent\" data-id=\"08e2fc2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element-custom_font_size elementor-element-custom_font_family elementor-element-custom_color elementor-element elementor-element-b3ded51 elementor-widget elementor-widget-text-editor\" data-id=\"b3ded51\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3 data-start=\"1061\" data-end=\"1095\">1. Premier pilier : AVS \/ AI<\/h3><p data-start=\"1097\" data-end=\"1246\">Le <strong data-start=\"1100\" data-end=\"1118\">premier pilier<\/strong>, compos\u00e9 de l\u2019<strong data-start=\"1133\" data-end=\"1177\">Assurance-vieillesse et survivants (AVS)<\/strong> et de l\u2019<strong data-start=\"1186\" data-end=\"1215\">Assurance-invalidit\u00e9 (AI)<\/strong>, est g\u00e9r\u00e9 par l\u2019\u00c9tat suisse.<\/p><ul><li data-start=\"1250\" data-end=\"1351\">Fournit une <strong data-start=\"1262\" data-end=\"1281\">pension de base<\/strong> \u00e0 tous les r\u00e9sidents suisses et \u00e9trangers ayant travaill\u00e9 en Suisse<\/li><li data-start=\"1354\" data-end=\"1400\">Offre une <strong data-start=\"1364\" data-end=\"1398\">protection en cas d\u2019invalidit\u00e9<\/strong><\/li><li data-start=\"1403\" data-end=\"1481\">Garantit un revenu minimal pour couvrir les besoins essentiels \u00e0 la retraite<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-45dcffb elementor-widget elementor-widget-html\" data-id=\"45dcffb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<!-- Tip Banner -->\r\n<div class=\"hf-tip\">\r\n  <span class=\"hf-tip-icon\">\ud83d\udca1<\/span>\r\n  <span class=\"hf-tip-text\">\r\n    Astuce : Ce pilier est obligatoire et constitue la pierre angulaire de la s\u00e9curit\u00e9 financi\u00e8re en Suisse.\r\n  <\/span>\r\n<\/div>\r\n\r\n<style>\r\n  .hf-tip{\r\n    background:#f5f5fe;\r\n    border-radius:14px;\r\n    padding:12px 16px;\r\n    color:#0f172a;           \/* texte fonc\u00e9 lisible *\/\r\n    font: 500 14px\/1.5 \"Poppins\", system-ui, -apple-system, Segoe UI, Roboto, Arial, sans-serif;\r\n    display:flex;\r\n    align-items:center;\r\n    gap:10px;\r\n    box-shadow: 0 6px 18px -12px rgba(16,24,40,.22);\r\n    max-width: 100%;\r\n  }\r\n  .hf-tip-icon{ font-size:18px; line-height:1; }\r\n  .hf-tip-text{ display:inline-block; }\r\n<\/style>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7ead6a0 e-flex e-con-boxed e-con e-parent\" data-id=\"7ead6a0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element-custom_font_size elementor-element-custom_font_family elementor-element-custom_color elementor-element elementor-element-905366a elementor-widget elementor-widget-text-editor\" data-id=\"905366a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3 data-start=\"1599\" data-end=\"1658\">2. Deuxi\u00e8me pilier : LPP (Pr\u00e9voyance professionnelle)<\/h3><p data-start=\"1660\" data-end=\"1744\">Le <strong data-start=\"1663\" data-end=\"1682\">deuxi\u00e8me pilier<\/strong>, ou <strong data-start=\"1687\" data-end=\"1694\">LPP<\/strong>, est la pr\u00e9voyance professionnelle obligatoire.<\/p><ul><li data-start=\"1748\" data-end=\"1818\">G\u00e9r\u00e9 par les <strong data-start=\"1761\" data-end=\"1791\">employeurs et les employ\u00e9s<\/strong> via des fonds de pension<\/li><li data-start=\"1821\" data-end=\"1902\">Compl\u00e8te le premier pilier avec <strong data-start=\"1853\" data-end=\"1900\">des prestations suppl\u00e9mentaires de retraite<\/strong><\/li><li data-start=\"1905\" data-end=\"1961\">Offre une couverture pour <strong data-start=\"1931\" data-end=\"1959\">survivants et invalidit\u00e9<\/strong><\/li><li data-start=\"1964\" data-end=\"2023\">Permet de maintenir votre niveau de vie apr\u00e8s la retraite<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6585cd4 elementor-widget elementor-widget-html\" data-id=\"6585cd4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<!-- Tip Banner -->\r\n<div class=\"hf-tip\">\r\n  <span class=\"hf-tip-icon\">\ud83d\udca1<\/span>\r\n  <span class=\"hf-tip-text\">\r\n    Astuce : Plus vous cotisez au deuxi\u00e8me pilier, plus vos revenus de retraite seront confortables.\r\n  <\/span>\r\n<\/div>\r\n\r\n<style>\r\n  .hf-tip{\r\n    background:#f5f5fe;\r\n    border-radius:14px;\r\n    padding:12px 16px;\r\n    color:#0f172a;           \/* texte fonc\u00e9 lisible *\/\r\n    font: 500 14px\/1.5 \"Poppins\", system-ui, -apple-system, Segoe UI, Roboto, Arial, sans-serif;\r\n    display:flex;\r\n    align-items:center;\r\n    gap:10px;\r\n    box-shadow: 0 6px 18px -12px rgba(16,24,40,.22);\r\n    max-width: 100%;\r\n  }\r\n  .hf-tip-icon{ font-size:18px; line-height:1; }\r\n  .hf-tip-text{ display:inline-block; }\r\n<\/style>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e7c7f0b e-flex e-con-boxed e-con e-parent\" data-id=\"e7c7f0b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element-custom_font_size elementor-element-custom_font_family elementor-element-custom_color elementor-element elementor-element-0c24891 elementor-widget elementor-widget-text-editor\" data-id=\"0c24891\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3 data-start=\"2133\" data-end=\"2184\">3. Troisi\u00e8me pilier : Pr\u00e9voyance individuelle<\/h3><p data-start=\"2186\" data-end=\"2273\">Le <strong data-start=\"2189\" data-end=\"2209\">troisi\u00e8me pilier<\/strong> concerne l\u2019<strong data-start=\"2221\" data-end=\"2269\">\u00e9pargne priv\u00e9e et la pr\u00e9voyance individuelle<\/strong> :<\/p><ul><li data-start=\"2277\" data-end=\"2328\">Permet de <strong data-start=\"2287\" data-end=\"2326\">compl\u00e9ter les deux premiers piliers<\/strong><\/li><li data-start=\"2331\" data-end=\"2404\">Comprend des r\u00e9gimes de retraite priv\u00e9s et des comptes d\u2019\u00e9pargne d\u00e9di\u00e9s<\/li><li data-start=\"2407\" data-end=\"2454\">Offre des <strong data-start=\"2417\" data-end=\"2438\">avantages fiscaux<\/strong> aux cotisants<\/li><li data-start=\"2457\" data-end=\"2537\">Id\u00e9al pour pr\u00e9parer une retraite <strong data-start=\"2490\" data-end=\"2504\">sur mesure<\/strong> selon vos besoins et objectifs<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-002959e e-flex e-con-boxed e-con e-parent\" data-id=\"002959e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-14228d6 elementor-widget elementor-widget-html\" data-id=\"14228d6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<!-- Tip Banner -->\r\n<div class=\"hf-tip\">\r\n  <span class=\"hf-tip-icon\">\ud83d\udca1<\/span>\r\n  <span class=\"hf-tip-text\">\r\n    Astuce : Le troisi\u00e8me pilier est flexible et peut \u00eatre adapt\u00e9 \u00e0 votre situation personnelle et professionnelle.\r\n  <\/span>\r\n<\/div>\r\n\r\n<style>\r\n  .hf-tip{\r\n    background:#f5f5fe;\r\n    border-radius:14px;\r\n    padding:12px 16px;\r\n    color:#0f172a;           \/* texte fonc\u00e9 lisible *\/\r\n    font: 500 14px\/1.5 \"Poppins\", system-ui, -apple-system, Segoe UI, Roboto, Arial, sans-serif;\r\n    display:flex;\r\n    align-items:center;\r\n    gap:10px;\r\n    box-shadow: 0 6px 18px -12px rgba(16,24,40,.22);\r\n    max-width: 100%;\r\n  }\r\n  .hf-tip-icon{ font-size:18px; line-height:1; }\r\n  .hf-tip-text{ display:inline-block; }\r\n<\/style>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2a64aee e-flex e-con-boxed e-con e-parent\" data-id=\"2a64aee\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-689bd2b elementor-widget elementor-widget-image\" data-id=\"689bd2b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t<figure class=\"wp-caption\">\n\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"940\" height=\"642\" src=\"https:\/\/helpfrontaliers.ch\/wp-content\/uploads\/2025\/11\/Capture-decran-2025-11-01-135812-1024x699.png\" class=\"attachment-large size-large wp-image-29167\" alt=\"Sch\u00e9ma des trois piliers\" srcset=\"https:\/\/helpfrontaliers.ch\/wp-content\/uploads\/2025\/11\/Capture-decran-2025-11-01-135812-1024x699.png 1024w, https:\/\/helpfrontaliers.ch\/wp-content\/uploads\/2025\/11\/Capture-decran-2025-11-01-135812-300x205.png 300w, https:\/\/helpfrontaliers.ch\/wp-content\/uploads\/2025\/11\/Capture-decran-2025-11-01-135812-768x524.png 768w, https:\/\/helpfrontaliers.ch\/wp-content\/uploads\/2025\/11\/Capture-decran-2025-11-01-135812-480x328.png 480w, https:\/\/helpfrontaliers.ch\/wp-content\/uploads\/2025\/11\/Capture-decran-2025-11-01-135812.png 1270w\" sizes=\"(max-width: 940px) 100vw, 940px\" title=\"Capture d\u2019\u00e9cran 2025-11-01 135812\" \/>\t\t\t\t\t\t\t\t\t\t\t<figcaption class=\"widget-image-caption wp-caption-text\">Le sch\u00e9ma des trois piliers par la Baloise<\/figcaption>\n\t\t\t\t\t\t\t\t\t\t<\/figure>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element-custom_font_size elementor-element-custom_font_family elementor-element-custom_color elementor-element elementor-element-b805f5e elementor-widget elementor-widget-text-editor\" data-id=\"b805f5e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2 data-start=\"2662\" data-end=\"2718\">Pourquoi comprendre les trois piliers est essentiel<\/h2><p data-start=\"2720\" data-end=\"2823\">Pour tout r\u00e9sident ou frontalier en Suisse, conna\u00eetre le fonctionnement des trois piliers permet de :<\/p><ul><li data-start=\"2827\" data-end=\"2866\"><strong data-start=\"2827\" data-end=\"2864\">Optimiser vos revenus de retraite<\/strong><\/li><li data-start=\"2869\" data-end=\"2928\"><strong data-start=\"2869\" data-end=\"2905\">Planifier votre avenir financier<\/strong> de mani\u00e8re s\u00e9curis\u00e9e<\/li><li data-start=\"2931\" data-end=\"3008\"><strong data-start=\"2931\" data-end=\"2965\">Profiter des avantages fiscaux<\/strong> li\u00e9s aux cotisations du troisi\u00e8me pilier<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5c49387 elementor-widget elementor-widget-html\" data-id=\"5c49387\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<!-- Tip Banner -->\r\n<div class=\"hf-tip\">\r\n  <span class=\"hf-tip-icon\">\ud83d\udca1<\/span>\r\n  <span class=\"hf-tip-text\">\r\n    Conseil : Pour tirer le meilleur parti de ces piliers, il est recommand\u00e9 de consulter des experts en finance et planification de retraite en Suisse.\r\n  <\/span>\r\n<\/div>\r\n\r\n<style>\r\n  .hf-tip{\r\n    background:#f5f5fe;\r\n    border-radius:14px;\r\n    padding:12px 16px;\r\n    color:#0f172a;           \/* texte fonc\u00e9 lisible *\/\r\n    font: 500 14px\/1.5 \"Poppins\", system-ui, -apple-system, Segoe UI, Roboto, Arial, sans-serif;\r\n    display:flex;\r\n    align-items:center;\r\n    gap:10px;\r\n    box-shadow: 0 6px 18px -12px rgba(16,24,40,.22);\r\n    max-width: 100%;\r\n  }\r\n  .hf-tip-icon{ font-size:18px; line-height:1; }\r\n  .hf-tip-text{ display:inline-block; }\r\n<\/style>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9de063c e-flex e-con-boxed e-con e-parent\" data-id=\"9de063c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element-custom_font_size elementor-element-custom_font_family elementor-element-custom_color elementor-element elementor-element-1d930e7 elementor-widget elementor-widget-text-editor\" data-id=\"1d930e7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2 data-start=\"3174\" data-end=\"3189\">Conclusion<\/h2><p data-start=\"3191\" data-end=\"3509\">Le syst\u00e8me suisse des <strong data-start=\"3213\" data-end=\"3230\">trois piliers<\/strong> offre une approche compl\u00e8te et s\u00e9curis\u00e9e pour pr\u00e9parer votre retraite. En combinant le premier pilier (AVS\/AI), le deuxi\u00e8me pilier (LPP) et le troisi\u00e8me pilier (pr\u00e9voyance individuelle), vous pouvez constituer un revenu stable et b\u00e9n\u00e9ficier d\u2019une s\u00e9curit\u00e9 financi\u00e8re optimale.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-be68005 e-flex e-con-boxed e-con e-parent\" data-id=\"be68005\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f98d13f elementor-widget elementor-widget-spacer\" data-id=\"f98d13f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-58fa226 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"58fa226\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/helpfrontaliers.ch\/en\/frontaliers\/retraite-france-vs-suisse\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Find out more<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4cfb9ba e-flex e-con-boxed e-con e-parent\" data-id=\"4cfb9ba\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1acf3cb elementor-widget elementor-widget-heading\" data-id=\"1acf3cb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Foire aux questions<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eb16b56 elementor-widget elementor-widget-toggle\" data-id=\"eb16b56\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"toggle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2461\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-2461\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Combien vais-je toucher de retraite en Suisse avec les 1er et 2\u1d49 piliers ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2461\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-2461\"><p data-start=\"376\" data-end=\"614\">Le montant d\u00e9pend de vos ann\u00e9es de cotisation et de votre salaire assur\u00e9. En moyenne, le 1er et le 2\u1d49 pilier couvrent <strong data-start=\"494\" data-end=\"528\">environ 60 % du dernier revenu<\/strong>, ce qui rend le 3\u1d49 pilier essentiel pour maintenir votre niveau de vie \u00e0 la retraite.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2462\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-2462\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Peut-on cumuler une retraite suisse et une retraite fran\u00e7aise en tant que frontalier ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2462\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-2462\"><p data-start=\"721\" data-end=\"756\">Oui. Un frontalier peut cumuler :<\/p><ul><li data-start=\"759\" data-end=\"788\">sa <strong data-start=\"762\" data-end=\"785\">retraite AVS suisse<\/strong>,<\/li><li data-start=\"791\" data-end=\"813\">sa <strong data-start=\"794\" data-end=\"810\">retraite LPP<\/strong>,<\/li><li data-start=\"816\" data-end=\"963\">et sa <strong data-start=\"822\" data-end=\"878\">retraite fran\u00e7aise (r\u00e9gime de base + compl\u00e9mentaire)<\/strong>.<br data-start=\"879\" data-end=\"882\" \/>Chaque pays verse la part correspondant aux p\u00e9riodes cotis\u00e9es, sans p\u00e9nalisation.<\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2463\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-2463\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Quand peut-on retirer son pilier 3a (\u00e9pargne priv\u00e9e) ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2463\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-2463\"><p data-start=\"1368\" data-end=\"1401\">Le pilier 3a peut \u00eatre retir\u00e9 :<\/p><ul><li data-start=\"1404\" data-end=\"1449\"><strong data-start=\"1404\" data-end=\"1446\">5 ans avant l\u2019\u00e2ge l\u00e9gal de la retraite<\/strong>,<\/li><li data-start=\"1452\" data-end=\"1493\">en cas d\u2019achat d\u2019un logement principal,<\/li><li data-start=\"1496\" data-end=\"1538\">en cas de d\u00e9part d\u00e9finitif de la Suisse,<\/li><li data-start=\"1541\" data-end=\"1571\">en cas de mise \u00e0 son compte,<\/li><li data-start=\"1574\" data-end=\"1623\">ou pour financer la pr\u00e9voyance professionnelle.<\/li><\/ul><p data-start=\"1625\" data-end=\"1687\">Le retrait est impos\u00e9 s\u00e9par\u00e9ment, souvent \u00e0 un taux favorable.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2464\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-2464\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Que se passe-t-il avec mes trois piliers si je quitte la Suisse en tant que frontalier ou expatri\u00e9 ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2464\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-2464\"><ul><li data-start=\"1811\" data-end=\"1880\"><strong data-start=\"1811\" data-end=\"1829\">1er pilier AVS<\/strong> : reste acquis et payable partout dans le monde.<\/li><li data-start=\"1883\" data-end=\"2055\"><strong data-start=\"1883\" data-end=\"1900\">2\u1d49 pilier LPP<\/strong> : selon votre destination, vous pouvez le laisser dans une fondation de libre passage ou en retirer une partie (conditionn\u00e9 par les accords bilat\u00e9raux).<\/li><li data-start=\"2058\" data-end=\"2146\"><strong data-start=\"2058\" data-end=\"2074\">3\u1d49 pilier 3a<\/strong> : g\u00e9n\u00e9ralement retirable en cas de d\u00e9part d\u00e9finitif, sous conditions.<\/li><\/ul><p data-start=\"2148\" data-end=\"2238\">Une planification pr\u00e9alable est recommand\u00e9e pour optimiser fiscalit\u00e9 et timing de retrait.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2e2efc6 elementor-widget elementor-widget-html\" data-id=\"2e2efc6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<!-- Conseil Banner -->\r\n<div class=\"hf-banner\">\r\n  <h3>Besoin d\u2019un conseil ? <\/h3>\r\n  <p>\r\n    Vous avez des questions ? Contactez nous !<br \/>\r\n    Nous pourrons vous r\u00e9pondre par email ou par t\u00e9l\u00e9phone. Nos services accompagnent de nombreux frontaliers dans leurs d\u00e9marches administratives, sant\u00e9 etc... \r\n  <\/p>\r\n  <a href=\"\/en\/nous-contacter\/\" class=\"hf-btn\">Contact<\/a>\r\n<\/div>\r\n\r\n<style>\r\n  .hf-banner {\r\n    background:#234981; \/* bleu de fond *\/\r\n    border-radius:14px;\r\n    padding:32px 24px;\r\n    text-align:center;\r\n    color:#fff;\r\n    max-width:880px;\r\n    margin:20px auto;\r\n    font-family:\"Poppins\", system-ui, sans-serif;\r\n  }\r\n\r\n  .hf-banner h3 {\r\n    margin:0 0 16px;\r\n    font-size:20px;\r\n    font-weight:700;\r\n    color:#fff; \/* titre en blanc *\/\r\n  }\r\n\r\n  .hf-banner p {\r\n    font-size:14px;\r\n    line-height:1.6;\r\n    margin:0 0 20px;\r\n  }\r\n\r\n  .hf-btn {\r\n    display:inline-block;\r\n    background:#fff;\r\n    color:#000;\r\n    font-size:15px;\r\n    font-weight:600;\r\n    text-decoration:none;\r\n    padding:5px 38px; \/* plus grand padding *\/\r\n    border-radius:40px; \/* arrondi style pill *\/\r\n    box-shadow:0 3px 8px rgba(0,0,0,0.15);\r\n    transition:all .25s ease;\r\n  }\r\n\r\n  .hf-btn:hover {\r\n    background:#f5f5f5;\r\n    color:#234981;\r\n  }\r\n<\/style>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Qu\u2019est-ce que le syst\u00e8me des trois piliers en Suisse ? La retraite en Suisse repose sur un concept unique : trois piliers compl\u00e9mentaires qui garantissent un revenu stable apr\u00e8s la vie active. Chaque pilier joue un r\u00f4le sp\u00e9cifique pour constituer une base financi\u00e8re solide. 1. Premier pilier : AVS \/ AI Le premier pilier, compos\u00e9 [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":29165,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_hf_hero_excerpt":"Vous avez entendu parler des trois piliers en Suisse et vous vous demandez ce que cela signifie\u202f? Comprendre ce syst\u00e8me est essentiel pour planifier efficacement votre retraite et s\u00e9curiser votre avenir financier en Suisse.","_hf_hero_enabled":true,"footnotes":""},"categories":[113],"tags":[96,95],"class_list":["post-29164","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-guides","tag-piliers-frontalier-suisse","tag-retraite"],"_links":{"self":[{"href":"https:\/\/helpfrontaliers.ch\/en\/wp-json\/wp\/v2\/posts\/29164","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/helpfrontaliers.ch\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/helpfrontaliers.ch\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/helpfrontaliers.ch\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/helpfrontaliers.ch\/en\/wp-json\/wp\/v2\/comments?post=29164"}],"version-history":[{"count":0,"href":"https:\/\/helpfrontaliers.ch\/en\/wp-json\/wp\/v2\/posts\/29164\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/helpfrontaliers.ch\/en\/wp-json\/wp\/v2\/media\/29165"}],"wp:attachment":[{"href":"https:\/\/helpfrontaliers.ch\/en\/wp-json\/wp\/v2\/media?parent=29164"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/helpfrontaliers.ch\/en\/wp-json\/wp\/v2\/categories?post=29164"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/helpfrontaliers.ch\/en\/wp-json\/wp\/v2\/tags?post=29164"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}