{"id":60974,"date":"2026-01-21T09:00:00","date_gmt":"2026-01-21T08:00:00","guid":{"rendered":"https:\/\/helpfrontaliers.ch\/?p=60974"},"modified":"2026-03-14T11:35:02","modified_gmt":"2026-03-14T10:35:02","slug":"assurance-vieillesse-et-survivants-avs-en-suisse-le-guide-complet-pour-comprendre-et-optimiser-sa-retraite","status":"publish","type":"post","link":"https:\/\/helpfrontaliers.ch\/en\/guides\/assurance-vieillesse-et-survivants-avs-en-suisse-le-guide-complet-pour-comprendre-et-optimiser-sa-retraite\/","title":{"rendered":"Assurance Vieillesse et Survivants (AVS) en Suisse : le guide complet pour comprendre et optimiser sa retraite"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"60974\" class=\"elementor elementor-60974\">\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-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<h2 data-start=\"943\" data-end=\"974\"><strong data-start=\"949\" data-end=\"974\">Qu\u2019est-ce que l\u2019AVS ?<\/strong><\/h2><p data-start=\"976\" data-end=\"1204\">L\u2019AVS est le <strong data-start=\"989\" data-end=\"1007\">premier pilier<\/strong> de la pr\u00e9voyance retraite suisse. Son objectif est de <strong data-start=\"1062\" data-end=\"1091\">garantir un minimum vital<\/strong> \u00e0 toute personne quittant la vie active, ou \u00e0 ses proches en cas de d\u00e9c\u00e8s. <span class=\"\" data-state=\"closed\"><\/span><\/p><p data-start=\"1206\" data-end=\"1388\">L\u2019AVS fait \u00e9galement partie du syst\u00e8me de s\u00e9curit\u00e9 sociale suisse, qui inclut l\u2019assurance invalidit\u00e9 (AI) et l\u2019assurance perte de gain (APG).<\/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 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    Anticipez votre retraite : conna\u00eetre le montant de votre rente AVS vous aide \u00e0 planifier vos \u00e9conomies et vos autres piliers (LPP et 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-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<h2 data-start=\"1395\" data-end=\"1431\"><strong data-start=\"1401\" data-end=\"1431\">Qui est assur\u00e9 par l\u2019AVS ?<\/strong><\/h2><p data-start=\"1433\" data-end=\"1465\">L\u2019AVS est <strong data-start=\"1443\" data-end=\"1458\">obligatoire<\/strong> pour :<\/p><ul><li data-start=\"1469\" data-end=\"1532\">Toutes les personnes qui <strong data-start=\"1494\" data-end=\"1529\">travaillent ou vivent en Suisse<\/strong>.<\/li><li data-start=\"1535\" data-end=\"1616\">Les salari\u00e9s, o\u00f9 les cotisations sont pr\u00e9lev\u00e9es <strong data-start=\"1583\" data-end=\"1613\">directement sur le salaire<\/strong>.<\/li><li data-start=\"1619\" data-end=\"1741\">Les personnes m\u00eame <strong data-start=\"1638\" data-end=\"1665\">sans activit\u00e9 lucrative<\/strong>, moyennant des cotisations minimales. <span class=\"\" data-state=\"closed\"><\/span><\/li><\/ul><p data-start=\"1743\" data-end=\"1900\">Les cotisations sont partag\u00e9es <strong data-start=\"1774\" data-end=\"1792\">\u00e0 parts \u00e9gales<\/strong> entre l\u2019employ\u00e9 et l\u2019employeur, ce qui garantit une large couverture.<\/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 elementor-element-0fd21dd elementor-widget elementor-widget-html\" data-id=\"0fd21dd\" 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    Pour les frontaliers, v\u00e9rifiez si vos cotisations en France ou en Allemagne comptent pour l\u2019AVS via les conventions bilat\u00e9rales.\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 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:\/\/calendly.com\/hello-kawah\/helpfrontaliers?month=2026-01\" target=\"_blank\" rel=\"noopener\">\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\">Analyse personnalis\u00e9e gratuite<\/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-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<h2 data-start=\"2121\" data-end=\"2167\">Comment sont calcul\u00e9es les cotisations\u202f?<\/h2><p data-start=\"2169\" data-end=\"2220\">Les cotisations sont bas\u00e9es sur le salaire brut :<\/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 elementor-element-571af19 elementor-widget elementor-widget-html\" data-id=\"571af19\" 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<table border=\"1\" cellpadding=\"8\" cellspacing=\"0\">\r\n  <thead>\r\n    <tr>\r\n      <th>Type<\/th>\r\n      <th>Part employ\u00e9<\/th>\r\n      <th>Part employeur<\/th>\r\n      <th>Total<\/th>\r\n    <\/tr>\r\n  <\/thead>\r\n  <tbody>\r\n    <tr>\r\n      <td>AVS<\/td>\r\n      <td>4.35 %<\/td>\r\n      <td>4.35 %<\/td>\r\n      <td>8.7 %<\/td>\r\n    <\/tr>\r\n    <tr>\r\n      <td>AI<\/td>\r\n      <td>0.70 %<\/td>\r\n      <td>0.70 %<\/td>\r\n      <td>1.4 %<\/td>\r\n    <\/tr>\r\n    <tr>\r\n      <td>APG<\/td>\r\n      <td>0.25 %<\/td>\r\n      <td>0.25 %<\/td>\r\n      <td>0.5 %<\/td>\r\n    <\/tr>\r\n    <tr>\r\n      <td><strong>Total<\/strong><\/td>\r\n      <td><strong>5.3 %<\/strong><\/td>\r\n      <td><strong>5.3 %<\/strong><\/td>\r\n      <td><strong>10.6 %<\/strong><\/td>\r\n    <\/tr>\r\n  <\/tbody>\r\n<\/table>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-276dc23 elementor-widget elementor-widget-html\" data-id=\"276dc23\" 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    G\u00e9rez vos interruptions de carri\u00e8re : p\u00e9riodes d\u2019\u00e9tudes, ch\u00f4mage ou cong\u00e9 parental peuvent \u00eatre rachet\u00e9es pour \u00e9viter de diminuer la rente.\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-a51585a elementor-align-center elementor-widget elementor-widget-button\" data-id=\"a51585a\" 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\/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\">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-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-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<h2 data-start=\"3612\" data-end=\"3653\">Comment est calcul\u00e9e la rente AVS\u202f?<\/h2><p data-start=\"3655\" data-end=\"3677\">La rente d\u00e9pend de :<\/p><ul><li data-start=\"3680\" data-end=\"3729\">Le <strong data-start=\"3683\" data-end=\"3699\">revenu moyen<\/strong> durant toute votre carri\u00e8re<\/li><li data-start=\"3732\" data-end=\"3770\">Le <strong data-start=\"3735\" data-end=\"3768\">nombre d\u2019ann\u00e9es de cotisation<\/strong><\/li><li data-start=\"3773\" data-end=\"3843\">Les <strong data-start=\"3777\" data-end=\"3841\">bonifications pour t\u00e2ches \u00e9ducatives ou assistance familiale<\/strong><\/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-8c71c08 elementor-widget elementor-widget-html\" data-id=\"8c71c08\" 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    Renseignez les bonifications : chaque enfant \u00e0 charge ou p\u00e9riode de soins familiaux peut augmenter votre rente.\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-389d38d e-flex e-con-boxed e-con e-parent\" data-id=\"389d38d\" 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-65d2ab4 elementor-widget elementor-widget-text-editor\" data-id=\"65d2ab4\" 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=\"2887\" data-end=\"2920\">Quand prendre sa retraite\u202f?<\/h2><ul><li data-start=\"2924\" data-end=\"2941\"><strong>Hommes<\/strong> : 65 ans<\/li><li data-start=\"2944\" data-end=\"2997\"><strong>Femmes<\/strong> : 64 ans (en cours d\u2019harmonisation \u00e0 65 ans)<\/li><\/ul><h3 data-start=\"2999\" data-end=\"3010\">Options<\/h3><ul><li data-start=\"3013\" data-end=\"3084\"><strong data-start=\"3013\" data-end=\"3035\">Retraite anticip\u00e9e<\/strong> : votre rente est r\u00e9duite proportionnellement.<\/li><li data-start=\"3087\" data-end=\"3177\"><strong data-start=\"3087\" data-end=\"3107\">Retraite tardive<\/strong> : votre rente augmente pour chaque ann\u00e9e suppl\u00e9mentaire travaill\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-332910d elementor-widget elementor-widget-html\" data-id=\"332910d\" 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    Frontaliers : attention aux r\u00e8gles de coordination entre pays pour toucher la retraite en Suisse et dans votre pays de r\u00e9sidence.\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-2065d97 e-flex e-con-boxed e-con e-parent\" data-id=\"2065d97\" 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-d4589f8 elementor-widget elementor-widget-text-editor\" data-id=\"d4589f8\" 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=\"4218\" data-end=\"4261\">Num\u00e9ro AVS : votre identifiant unique<\/h2><p data-start=\"4263\" data-end=\"4336\">Chaque assur\u00e9 dispose d\u2019un <strong data-start=\"4290\" data-end=\"4318\">num\u00e9ro AVS \u00e0 13 chiffres<\/strong>, utilis\u00e9 pour :<\/p><ul><li data-start=\"4339\" data-end=\"4362\">D\u00e9clarations fiscales<\/li><li data-start=\"4365\" data-end=\"4388\">Cotisations et rentes<\/li><li data-start=\"4391\" data-end=\"4416\">Dossiers administratifs<\/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-8594b2e elementor-widget elementor-widget-html\" data-id=\"8594b2e\" 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    Gardez-le pr\u00e9cieusement, vous en aurez besoin pour toutes les d\u00e9marches avec la caisse AVS et les assurances.\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-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<h2 data-start=\"4652\" data-end=\"4700\">Conseils pour optimiser votre retraite AVS<\/h2><ol><li><strong data-start=\"4705\" data-end=\"4739\">Racheter les ann\u00e9es manquantes<\/strong><ul><li>M\u00eame quelques ann\u00e9es peuvent augmenter significativement votre rente.<\/li><\/ul><\/li><li data-start=\"4823\" data-end=\"4865\"><strong data-start=\"4823\" data-end=\"4863\">Retraite tardive = rente plus \u00e9lev\u00e9e<\/strong><ul><li data-start=\"4871\" data-end=\"4943\">Une prolongation de 1 \u00e0 3 ans peut augmenter votre revenu de 5 \u00e0 15\u202f%.<\/li><\/ul><\/li><li data-start=\"4948\" data-end=\"4976\"><strong data-start=\"4948\" data-end=\"4974\">Combinez les 3 piliers<\/strong><ul><li data-start=\"4982\" data-end=\"5016\">1er pilier : AVS (minimum vital)<\/li><li data-start=\"5022\" data-end=\"5068\">2e pilier : LPP (pr\u00e9voyance professionnelle)<\/li><li data-start=\"5074\" data-end=\"5135\">3e pilier : \u00e9pargne priv\u00e9e (3a\/3b, fiscalement avantageuse)<\/li><\/ul><\/li><li data-start=\"5140\" data-end=\"5166\"><strong data-start=\"5140\" data-end=\"5164\">Pour les frontaliers<\/strong><ul><li data-start=\"5172\" data-end=\"5275\">V\u00e9rifiez les conventions bilat\u00e9rales pour que vos ann\u00e9es de travail \u00e0 l\u2019\u00e9tranger comptent pour l\u2019AVS.<\/li><\/ul><\/li><li data-start=\"5280\" data-end=\"5309\"><strong data-start=\"5280\" data-end=\"5307\">Planification proactive<\/strong><ul><li data-start=\"5315\" data-end=\"5416\">Commencez \u00e0 planifier 10 ans avant la retraite pour ajuster cotisations, rachats et \u00e9pargne priv\u00e9e.<\/li><\/ul><\/li><\/ol>\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-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    L\u2019AVS est le socle de votre s\u00e9curit\u00e9 financi\u00e8re en Suisse et garantit une retraite stable, mais pour maintenir un niveau de vie confortable, il est essentiel de suivre vos cotisations, d\u2019optimiser les rachats et bonifications et de combiner l\u2019AVS avec les 2e et 3e piliers de pr\u00e9voyance, tout en r\u00e9alisant chaque ann\u00e9e une simulation personnalis\u00e9e pour ajuster votre strat\u00e9gie en fonction de vos revenus, de votre situation professionnelle et familiale, afin de s\u00e9curiser efficacement votre retraite.\r\n  <\/p>\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\">Qu\u2019est-ce que l\u2019AVS 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=\"320\" data-end=\"632\">L\u2019AVS (Assurance Vieillesse et Survivants) est le premier pilier du syst\u00e8me de pr\u00e9voyance suisse. Elle garantit un revenu minimum aux personnes \u00e2g\u00e9es et prot\u00e8ge vos proches en cas de d\u00e9c\u00e8s. L\u2019AVS fonctionne sur un principe de solidarit\u00e9 : les cotisations des actifs financent les rentes des retrait\u00e9s.<\/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\">Qui doit cotiser \u00e0 l\u2019AVS ?<\/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=\"714\" data-end=\"786\">Toutes les personnes travaillant ou vivant en Suisse doivent cotiser \u00e0 l\u2019AVS, y compris les salari\u00e9s, les travailleurs ind\u00e9pendants et m\u00eame ceux sans activit\u00e9 lucrative (cotisations minimales). Les frontaliers doivent v\u00e9rifier si leurs cotisations effectu\u00e9es \u00e0 l\u2019\u00e9tranger sont reconnues gr\u00e2ce aux conventions bilat\u00e9rales.<\/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\">Que doivent savoir les frontaliers sur l\u2019AVS ?<\/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=\"1135\" data-end=\"1406\">Les frontaliers doivent v\u00e9rifier les conventions bilat\u00e9rales entre la Suisse et leur pays de r\u00e9sidence pour savoir comment leurs ann\u00e9es de travail \u00e0 l\u2019\u00e9tranger comptent pour leur rente AVS et comment \u00e9viter de cotiser deux fois pour le m\u00eame droit \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-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 v\u00e9rifier mes cotisations et mon num\u00e9ro AVS ?<\/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=\"1493\" data-end=\"1806\">Chaque assur\u00e9 poss\u00e8de un num\u00e9ro AVS unique \u00e0 13 chiffres. Vous pouvez v\u00e9rifier vos cotisations et demander vos relev\u00e9s via le portail officiel de l\u2019AVS (<a data-start=\"3328\" data-end=\"3362\" class=\"decorated-link\" rel=\"noopener\" target=\"_new\" href=\"https:\/\/www.ahv-iv.ch\">ahv-iv.ch<span aria-hidden=\"true\" class=\"ms-0.5 inline-block align-middle leading-none\"><\/span><\/a>), ce qui vous permet de vous assurer que toutes vos ann\u00e9es sont correctement comptabilis\u00e9es.<\/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-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\">Existe-t-il des simulateurs pour calculer ma rente AVS ?<\/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=\"2054\" data-end=\"2184\">Oui, le site officiel de l\u2019AVS propose des simulateurs pour estimer votre rente en fonction de vos ann\u00e9es cotis\u00e9es, de vos revenus et des bonifications \u00e9ventuelles. Ces outils permettent de planifier votre retraite et de d\u00e9cider si un rachat de cotisations ou une retraite tardive est avantageux.<\/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-39631d5 elementor-widget elementor-widget-html\" data-id=\"39631d5\" 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 l\u2019AVS ? L\u2019AVS est le premier pilier de la pr\u00e9voyance retraite suisse. Son objectif est de garantir un minimum vital \u00e0 toute personne quittant la vie active, ou \u00e0 ses proches en cas de d\u00e9c\u00e8s. L\u2019AVS fait \u00e9galement partie du syst\u00e8me de s\u00e9curit\u00e9 sociale suisse, qui inclut l\u2019assurance invalidit\u00e9 (AI) et l\u2019assurance perte [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":60976,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_hf_hero_excerpt":"L\u2019Assurance Vieillesse et Survivants (AVS) est au c\u0153ur du syst\u00e8me de pr\u00e9voyance suisse. Obligatoire pour tous les salari\u00e9s et travailleurs en Suisse, elle garantit un revenu minimum \u00e0 la retraite ou en cas de d\u00e9c\u00e8s, tout en s\u2019inscrivant dans un syst\u00e8me global de pr\u00e9voyance \u00e0 trois piliers. Dans ce guide pratique, nous vous expliquons comment fonctionne l\u2019AVS, qui doit cotiser, comment est calcul\u00e9e la rente, et comment optimiser votre retraite.","_hf_hero_enabled":true,"footnotes":""},"categories":[113],"tags":[100],"class_list":["post-60974","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\/60974","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=60974"}],"version-history":[{"count":0,"href":"https:\/\/helpfrontaliers.ch\/en\/wp-json\/wp\/v2\/posts\/60974\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/helpfrontaliers.ch\/en\/wp-json\/wp\/v2\/media\/60976"}],"wp:attachment":[{"href":"https:\/\/helpfrontaliers.ch\/en\/wp-json\/wp\/v2\/media?parent=60974"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/helpfrontaliers.ch\/en\/wp-json\/wp\/v2\/categories?post=60974"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/helpfrontaliers.ch\/en\/wp-json\/wp\/v2\/tags?post=60974"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}