{"id":55214,"date":"2026-01-07T12:00:00","date_gmt":"2026-01-07T11:00:00","guid":{"rendered":"https:\/\/helpfrontaliers.ch\/?p=55214"},"modified":"2026-03-14T11:35:19","modified_gmt":"2026-03-14T10:35:19","slug":"la-retraite-en-suisse-expliquee-fonctionnement-piliers-age-de-depart-et-optimisation","status":"publish","type":"post","link":"https:\/\/helpfrontaliers.ch\/en\/guides\/la-retraite-en-suisse-expliquee-fonctionnement-piliers-age-de-depart-et-optimisation\/","title":{"rendered":"La retraite en Suisse expliqu\u00e9e : fonctionnement, piliers, \u00e2ge de d\u00e9part et optimisation"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"55214\" class=\"elementor elementor-55214\">\n\t\t\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 elementor-element-f1da17b elementor-widget elementor-widget-heading\" data-id=\"f1da17b\" 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<h3 class=\"elementor-heading-title elementor-size-default\"><b>Comment fonctionne le syst\u00e8me de retraite suisse ?<\/b><\/h3>\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-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<p data-start=\"1061\" data-end=\"1095\">Le syst\u00e8me de retraite suisse repose sur une <strong data-start=\"1008\" data-end=\"1041\">architecture en trois piliers<\/strong>, con\u00e7ue pour couvrir \u00e0 la fois vos besoins vitaux et maintenir votre niveau de vie apr\u00e8s l\u2019arr\u00eat d\u2019activit\u00e9 professionnelle.<\/p>\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-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\">1. Premier pilier &#8211; AVS : s\u00e9curit\u00e9 de base<\/h3><ul><li data-start=\"1257\" data-end=\"1377\"><strong data-start=\"1257\" data-end=\"1301\">Assurance-Vieillesse et Survivants (AVS)<\/strong> : syst\u00e8me obligatoire \u00e0 cotisations partag\u00e9es entre employ\u00e9 et employeur.<\/li><li data-start=\"1380\" data-end=\"1474\">Il garantit une rente <strong data-start=\"1402\" data-end=\"1441\">pour couvrir les besoins essentiels<\/strong> (logement, nourriture, sant\u00e9).<\/li><li data-start=\"1477\" data-end=\"1634\">En 2025\/2026, le montant mensuel varie g\u00e9n\u00e9ralement entre environ <strong data-start=\"1543\" data-end=\"1569\">1 260 CHF et 2 520 CHF<\/strong> pour une rente compl\u00e8te.<\/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    La rente AVS seule ne suffit souvent pas \u00e0 maintenir votre niveau de vie d\u2019avant retraite \u2014 d\u2019o\u00f9 l\u2019importance du 2e et du 3e pilier.\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-6d3c57f elementor-widget elementor-widget-text-editor\" data-id=\"6d3c57f\" 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 &#8211; LPP : maintien du niveau de vie<\/h3><p data-start=\"1839\" data-end=\"2188\">Le <strong data-start=\"1842\" data-end=\"1861\">deuxi\u00e8me pilier<\/strong> est une <strong data-start=\"1870\" data-end=\"1912\">pr\u00e9voyance professionnelle obligatoire<\/strong> pour la majorit\u00e9 des salari\u00e9s.<br data-start=\"1943\" data-end=\"1946\" \/>Il s\u2019agit d\u2019un <strong data-start=\"1961\" data-end=\"1990\">r\u00e9gime par capitalisation<\/strong> : chaque ann\u00e9e, vous et votre employeur apportez des cotisations. Le capital accumul\u00e9 est ensuite converti en rente ou vers\u00e9 en capital \u00e0 l\u2019\u00e2ge de la retraite.<\/p><p data-start=\"2190\" data-end=\"2359\">Ce pilier vise \u00e0 garantir une partie du <strong data-start=\"2230\" data-end=\"2257\">niveau de vie ant\u00e9rieur<\/strong>, souvent autour de 60 % du dernier salaire avec l\u2019AVS combin\u00e9.<\/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-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 &#8211; pr\u00e9voyance individuelle<\/h3><p data-start=\"2418\" data-end=\"2562\">Le <strong data-start=\"2421\" data-end=\"2434\">3e pilier<\/strong> est <strong data-start=\"2439\" data-end=\"2467\">facultatif mais puissant<\/strong> : il s\u2019agit d\u2019une \u00e9pargne priv\u00e9e destin\u00e9e \u00e0 compl\u00e9ter les revenus des deux premiers piliers.<\/p><ul><li data-start=\"2565\" data-end=\"2637\">Le <strong data-start=\"2568\" data-end=\"2574\">3a<\/strong> est fiscalement avantageux (versements d\u00e9ductibles d\u2019imp\u00f4t).<\/li><li data-start=\"2640\" data-end=\"2742\">Le <strong data-start=\"2643\" data-end=\"2649\">3b<\/strong> est plus flexible, sans plafond ou contrainte stricte.<\/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-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    Il devient crucial pour ceux qui veulent garder un bon niveau de vie \u00e0 la retraite, anticiper une retraite anticip\u00e9e ou optimiser fiscalement leur situation.\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-9a1d1a8 e-flex e-con-boxed e-con e-parent\" data-id=\"9a1d1a8\" 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-42728fb elementor-align-center elementor-widget elementor-widget-button\" data-id=\"42728fb\" 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\/frontaliers\/fiscalite-des-frontaliers\/\">\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\">Ouvrir un 3e pilier<\/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<div class=\"elementor-element elementor-element-68c2d74 elementor-widget elementor-widget-heading\" data-id=\"68c2d74\" 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<h3 class=\"elementor-heading-title elementor-size-default\"><b>\u00c0 quel \u00e2ge peut-on partir \u00e0 la retraite en Suisse ?<\/b><\/h3>\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-512968d elementor-widget elementor-widget-text-editor\" data-id=\"512968d\" 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\">\u00c2ge standard<\/h3><p data-start=\"3520\" data-end=\"3633\">Depuis la r\u00e9forme de l\u2019AVS, <strong data-start=\"3025\" data-end=\"3095\">l\u2019\u00e2ge de r\u00e9f\u00e9rence est fix\u00e9 \u00e0 65 ans pour les hommes et les femmes<\/strong> (en cours de transition pour certaines g\u00e9n\u00e9rations).<\/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-5c8ba75 e-flex e-con-boxed e-con e-parent\" data-id=\"5c8ba75\" 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-463591e elementor-widget elementor-widget-text-editor\" data-id=\"463591e\" 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\">Retraite anticip\u00e9e possible<\/h3><p data-start=\"3225\" data-end=\"3331\">Il est possible de <strong data-start=\"3244\" data-end=\"3267\">partir avant 65 ans<\/strong>, mais cela entra\u00eene des r\u00e9ductions <strong data-start=\"3303\" data-end=\"3318\">d\u00e9finitives<\/strong> des rentes :<\/p><ul><li data-start=\"3335\" data-end=\"3431\">AVS : r\u00e9duction d\u2019environ <strong data-start=\"3361\" data-end=\"3390\">6,8 % par ann\u00e9e anticip\u00e9e<\/strong>. <span class=\"\" data-state=\"closed\"><span class=\"ms-1 inline-flex max-w-full items-center relative top-[-0.094rem] animate-[show_150ms_ease-in]\" data-testid=\"webpage-citation-pill\"><\/span><\/span><\/li><li data-start=\"3434\" data-end=\"3562\">LPP : r\u00e9duction selon les r\u00e8gles de votre caisse de pension (souvent 4 \u00e0 6 % par ann\u00e9e).<\/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-91f8027 elementor-widget elementor-widget-html\" data-id=\"91f8027\" 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    Par exemple, partir \u00e0 62 ans au lieu de 65 ans peut r\u00e9duire vos rentes cumul\u00e9es (AVS + LPP) de plusieurs dizaines de milliers de francs sur une vie.\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-8001543 e-flex e-con-boxed e-con e-parent\" data-id=\"8001543\" 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-4adba6c elementor-align-center elementor-widget elementor-widget-button\" data-id=\"4adba6c\" 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\/frontaliers\/planification-depart-a-la-retraite\/\">\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\">En savoir plus sur la retraite en Suisse<\/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<div class=\"elementor-element elementor-element-bdde845 elementor-widget elementor-widget-heading\" data-id=\"bdde845\" 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<h3 class=\"elementor-heading-title elementor-size-default\"><b>Retraite anticip\u00e9e : r\u00eave ou mirage ?<\/b><\/h3>\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-e59ecc2 elementor-widget elementor-widget-text-editor\" data-id=\"e59ecc2\" 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<div class=\"TyagGW_tableContainer\"><div class=\"group TyagGW_tableWrapper flex w-fit flex-col-reverse\" tabindex=\"-1\"><p data-start=\"3816\" data-end=\"4034\">Chez beaucoup, l\u2019id\u00e9e de \u201cretraite anticip\u00e9e\u201d ressemble \u00e0 un r\u00eave : plus de libert\u00e9, plus de temps ! Mais en Suisse, comme l\u2019analyse le cabinet Kawah, <strong data-start=\"3967\" data-end=\"3995\">la r\u00e9alit\u00e9 est exigeante<\/strong>.<span class=\"\" data-state=\"closed\"><span class=\"ms-1 inline-flex max-w-full items-center relative top-[-0.094rem] animate-[show_150ms_ease-in]\" data-testid=\"webpage-citation-pill\"><\/span><\/span><\/p><p data-start=\"4036\" data-end=\"4084\"><strong>Pourquoi est-ce plus difficile aujourd\u2019hui ?<\/strong><\/p><ol><li data-start=\"4089\" data-end=\"4190\"><strong data-start=\"4089\" data-end=\"4122\">Baisse durable des rentes AVS<\/strong> \u00e0 chaque ann\u00e9e anticip\u00e9e. <span class=\"\" data-state=\"closed\"><span class=\"ms-1 inline-flex max-w-full items-center relative top-[-0.094rem] animate-[show_150ms_ease-in]\" data-testid=\"webpage-citation-pill\"><\/span><\/span><\/li><li data-start=\"4194\" data-end=\"4327\"><strong data-start=\"4194\" data-end=\"4235\">Moins de cotisation dans le 2e pilier<\/strong>, donc moins de capital pour financer la retraite. <span class=\"\" data-state=\"closed\"><span class=\"ms-1 inline-flex max-w-full items-center relative top-[-0.094rem] animate-[show_150ms_ease-in]\" data-testid=\"webpage-citation-pill\"><\/span><\/span><\/li><li data-start=\"4331\" data-end=\"4482\"><strong data-start=\"4331\" data-end=\"4363\">Esp\u00e9rance de vie plus longue<\/strong>, ce qui augmente la dur\u00e9e de versement des rentes et demande plus d\u2019\u00e9pargne. <span class=\"\" data-state=\"closed\"><span class=\"ms-1 inline-flex max-w-full items-center relative top-[-0.094rem] animate-[show_150ms_ease-in]\" data-testid=\"webpage-citation-pill\"><\/span><\/span><\/li><li data-start=\"4486\" data-end=\"4599\"><strong data-start=\"4486\" data-end=\"4541\">Inflation m\u00eame ma\u00eetris\u00e9e diminue le pouvoir d\u2019achat<\/strong> des rentes fixes.<\/li><\/ol><\/div><\/div>\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-e4bf739 elementor-widget elementor-widget-heading\" data-id=\"e4bf739\" 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<h3 class=\"elementor-heading-title elementor-size-default\"><b>Nos conseils pour bien pr\u00e9parer votre retraite en Suisse<\/b><\/h3>\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-8a03240 elementor-widget elementor-widget-text-editor\" data-id=\"8a03240\" 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<div class=\"TyagGW_tableContainer\"><div class=\"group TyagGW_tableWrapper flex w-fit flex-col-reverse\" tabindex=\"-1\"><p data-start=\"4675\" data-end=\"4796\">Voici <strong data-start=\"4681\" data-end=\"4715\">les strat\u00e9gies incontournables<\/strong> pour optimiser votre retraite en Suisse, que vous soyez frontalier ou r\u00e9sident :<\/p><p data-start=\"4798\" data-end=\"4845\"><strong>Commencez t\u00f4t avec le pilier 3a<\/strong><\/p><p data-start=\"4846\" data-end=\"4870\">Le pilier 3a permet de :<\/p><ul><li data-start=\"4873\" data-end=\"4904\">B\u00e9n\u00e9ficier d\u2019avantages fiscaux,<\/li><li data-start=\"4907\" data-end=\"4951\">Constituer un capital disponible d\u00e8s 60 ans,<\/li><li data-start=\"4954\" data-end=\"5059\">Compenser les r\u00e9ductions du 1er et 2e piliers si vous partez t\u00f4t. <span class=\"\" data-state=\"closed\"><span class=\"ms-1 inline-flex max-w-full items-center relative top-[-0.094rem] animate-[show_150ms_ease-in]\" data-testid=\"webpage-citation-pill\"><\/span><\/span><\/li><\/ul><p data-start=\"5066\" data-end=\"5101\"><strong>Rachat d\u2019ann\u00e9es LPP<\/strong><\/p><p data-start=\"5102\" data-end=\"5317\">Certaines caisses permettent de racheter des ann\u00e9es de cotisation dans le 2e pilier \u2014 ce qui augmente votre capital retraite et vous donne une <strong data-start=\"5245\" data-end=\"5276\">d\u00e9duction fiscale imm\u00e9diate<\/strong>.<\/p><p data-start=\"5324\" data-end=\"5367\"><strong>Jouez la retraite partielle<\/strong><\/p><p data-start=\"5368\" data-end=\"5448\">Plut\u00f4t que de \u201ctout arr\u00eater\u201d, une r\u00e9duction progressive du temps de travail permet :<\/p><ul><li data-start=\"5451\" data-end=\"5474\">De continuer \u00e0 cotiser,<\/li><li data-start=\"5477\" data-end=\"5501\">D\u2019adoucir la transition,<\/li><li data-start=\"5504\" data-end=\"5583\">Et d\u2019augmenter vos prestations futures.<\/li><\/ul><\/div><\/div>\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-0bd377b elementor-widget elementor-widget-heading\" data-id=\"0bd377b\" 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<h3 class=\"elementor-heading-title elementor-size-default\"><b>Et pour les frontaliers franco-suisses ?<\/b><\/h3>\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-af971d7 elementor-widget elementor-widget-text-editor\" data-id=\"af971d7\" 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<div class=\"TyagGW_tableContainer\"><div class=\"group TyagGW_tableWrapper flex w-fit flex-col-reverse\" tabindex=\"-1\"><p data-start=\"5643\" data-end=\"5687\">Les frontaliers ont des r\u00e8gles sp\u00e9cifiques :<\/p><ul><li data-start=\"5690\" data-end=\"5788\">Les p\u00e9riodes cotis\u00e9es en Suisse <strong data-start=\"5722\" data-end=\"5757\">sont prises en compte en France<\/strong>, gr\u00e2ce aux accords bilat\u00e9raux.<\/li><li data-start=\"5791\" data-end=\"5899\">Les pensions AVS suisses sont <strong data-start=\"5821\" data-end=\"5853\">souvent imposables en France<\/strong>, \u00e0 d\u00e9clarer dans votre d\u00e9claration fran\u00e7aise.<\/li><li data-start=\"5902\" data-end=\"6039\">Vous pouvez cumuler les pensions fran\u00e7aises et suisses selon des r\u00e8gles de coordination pr\u00e9cises.<\/li><\/ul><\/div><\/div>\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-76af595 elementor-widget elementor-widget-html\" data-id=\"76af595\" 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    Cela signifie que planifier t\u00f4t l\u2019impact des cotisations, du change CHF\/EUR, et de la fiscalit\u00e9 est fondamental pour \u00e9viter les mauvaises surprises \u00e0 la retraite.\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<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>EN CONCLUSION <\/h3>\r\n  <p>\r\n    La retraite en Suisse reste un des syst\u00e8mes les plus structur\u00e9s au monde mais elle n\u00e9cessite anticipation, optimisation et choix strat\u00e9giques. Que vous envisagiez une retraite anticip\u00e9e, que vous soyez frontalier ou r\u00e9sident, mieux comprendre les piliers et planifier d\u00e8s aujourd\u2019hui est la cl\u00e9 pour garantir votre confort financier \u00e0 demain.\r\n  <\/p>\r\n  \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<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\">Comment fonctionne la retraite en Suisse ?<\/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=\"284\" data-end=\"353\">La retraite en Suisse repose sur le <strong data-start=\"320\" data-end=\"349\">syst\u00e8me des trois piliers<\/strong> :<\/p><ul><li data-start=\"356\" data-end=\"418\">le <strong data-start=\"359\" data-end=\"379\">1er pilier (AVS)<\/strong> pour couvrir les besoins essentiels,<\/li><li data-start=\"421\" data-end=\"478\">le <strong data-start=\"424\" data-end=\"443\">2e pilier (LPP)<\/strong> pour maintenir le niveau de vie,<\/li><li data-start=\"481\" data-end=\"578\">le <strong data-start=\"484\" data-end=\"497\">3e pilier<\/strong> pour compl\u00e9ter la retraite de mani\u00e8re individuelle et fiscalement avantageuse.<\/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-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\">\u00c0 quel \u00e2ge peut-on partir \u00e0 la retraite en Suisse ?<\/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=\"808\" data-end=\"1143\">L\u2019\u00e2ge l\u00e9gal de la retraite en Suisse est fix\u00e9 \u00e0 <strong data-start=\"698\" data-end=\"708\">65 ans<\/strong>. Il est toutefois possible de partir <strong data-start=\"746\" data-end=\"771\">plus t\u00f4t ou plus tard<\/strong>, avec un impact direct sur le montant des rentes AVS et LPP. Une retraite anticip\u00e9e entra\u00eene des <strong data-start=\"869\" data-end=\"895\">r\u00e9ductions d\u00e9finitives<\/strong> des prestations.<\/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-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\">Quel montant de retraite peut-on esp\u00e9rer en Suisse ?<\/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=\"985\" data-end=\"1228\">Le montant de la retraite d\u00e9pend de la dur\u00e9e de cotisation, du salaire per\u00e7u et des choix effectu\u00e9s (rente ou capital). En moyenne, l\u2019AVS et la LPP combin\u00e9es permettent d\u2019atteindre <strong data-start=\"1166\" data-end=\"1200\">environ 60 % du dernier revenu<\/strong>, hors \u00e9pargne du 3e pilier.<\/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\">Comment optimiser sa retraite en Suisse ?<\/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\"><p data-start=\"1290\" data-end=\"1348\">Pour optimiser sa retraite suisse, il est conseill\u00e9 de :<\/p><ul><li data-start=\"1351\" data-end=\"1419\">cotiser au <strong data-start=\"1362\" data-end=\"1380\">3e pilier (3a)<\/strong> pour b\u00e9n\u00e9ficier d\u2019avantages fiscaux,<\/li><li data-start=\"1422\" data-end=\"1468\">effectuer des <strong data-start=\"1436\" data-end=\"1465\">rachats dans le 2e pilier<\/strong>,<\/li><li data-start=\"1471\" data-end=\"1536\">anticiper une <strong data-start=\"1485\" data-end=\"1507\">retraite partielle<\/strong> plut\u00f4t qu\u2019un arr\u00eat brutal,<\/li><li data-start=\"1539\" data-end=\"1589\">planifier t\u00f4t avec des simulations personnalis\u00e9es.<\/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-2465\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-2465\" 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\">Comment fonctionne la retraite en Suisse pour les frontaliers ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2465\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-2465\"><p data-start=\"1673\" data-end=\"1962\">Les frontaliers cumulent leurs droits \u00e0 la retraite en Suisse et dans leur pays de r\u00e9sidence gr\u00e2ce aux <strong data-start=\"1776\" data-end=\"1798\">accords bilat\u00e9raux<\/strong>. Les rentes AVS suisses doivent g\u00e9n\u00e9ralement \u00eatre <strong data-start=\"1849\" data-end=\"1874\">d\u00e9clar\u00e9es fiscalement<\/strong> dans le pays de r\u00e9sidence, ce qui rend l\u2019anticipation et l\u2019optimisation indispensables.<\/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-34149dd elementor-widget elementor-widget-html\" data-id=\"34149dd\" 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=\"\/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>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Comment fonctionne le syst\u00e8me de retraite suisse ? Le syst\u00e8me de retraite suisse repose sur une architecture en trois piliers, con\u00e7ue pour couvrir \u00e0 la fois vos besoins vitaux et maintenir votre niveau de vie apr\u00e8s l\u2019arr\u00eat d\u2019activit\u00e9 professionnelle. 1. Premier pilier &#8211; AVS : s\u00e9curit\u00e9 de base Assurance-Vieillesse et Survivants (AVS) : syst\u00e8me obligatoire [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":55216,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_hf_hero_excerpt":"Travailler en Suisse attire chaque ann\u00e9e de nombreux frontaliers, expatri\u00e9s et r\u00e9sidents. Mais pr\u00e9parer sa retraite peut vite devenir complexe, tant le syst\u00e8me suisse repose sur des r\u00e8gles sp\u00e9cifiques aux forts enjeux financiers. Ce guide vous aide \u00e0 comprendre la retraite en Suisse, ses piliers, et les leviers pour optimiser vos revenus, notamment en tant que frontalier.","_hf_hero_enabled":true,"footnotes":""},"categories":[113],"tags":[100],"class_list":["post-55214","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-guides","tag-retraite-frontalier-suisse"],"_links":{"self":[{"href":"https:\/\/helpfrontaliers.ch\/en\/wp-json\/wp\/v2\/posts\/55214","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=55214"}],"version-history":[{"count":0,"href":"https:\/\/helpfrontaliers.ch\/en\/wp-json\/wp\/v2\/posts\/55214\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/helpfrontaliers.ch\/en\/wp-json\/wp\/v2\/media\/55216"}],"wp:attachment":[{"href":"https:\/\/helpfrontaliers.ch\/en\/wp-json\/wp\/v2\/media?parent=55214"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/helpfrontaliers.ch\/en\/wp-json\/wp\/v2\/categories?post=55214"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/helpfrontaliers.ch\/en\/wp-json\/wp\/v2\/tags?post=55214"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}