[et_pb_section fb_built=“1″ fullwidth=“on“ _builder_version=“3.22.3″ custom_margin=“0px||28px|“ custom_margin_tablet=““ custom_margin_phone=“0px||0px|“ custom_margin_last_edited=“on|desktop“ collapsed=“on“][et_pb_fullwidth_slider show_arrows=“off“ show_pagination=“off“ module_class=“internal-slider“ _builder_version=“3.16″ background_image=“https:\/\/www.hublemania.ch\/wp-content\/uploads\/2018\/09\/banner_bleu_1920x350-2.jpg“ background_size=“initial“ background_position=“top_left“ background_repeat=“repeat“ custom_padding=“130px||130px|“ custom_css_slide_title=“color:rgba(255, 0, 0, 0.09);“ button_text_size__hover_enabled=“off“ button_one_text_size__hover_enabled=“off“ button_two_text_size__hover_enabled=“off“ button_text_color__hover_enabled=“off“ button_one_text_color__hover_enabled=“off“ button_two_text_color__hover_enabled=“off“ button_border_width__hover_enabled=“off“ button_one_border_width__hover_enabled=“off“ button_two_border_width__hover_enabled=“off“ button_border_color__hover_enabled=“off“ button_one_border_color__hover_enabled=“off“ button_two_border_color__hover_enabled=“off“ button_border_radius__hover_enabled=“off“ button_one_border_radius__hover_enabled=“off“ button_two_border_radius__hover_enabled=“off“ button_letter_spacing__hover_enabled=“off“ button_one_letter_spacing__hover_enabled=“off“ button_two_letter_spacing__hover_enabled=“off“ button_bg_color__hover_enabled=“off“ button_one_bg_color__hover_enabled=“off“ button_two_bg_color__hover_enabled=“off“][et_pb_slide heading=“revue de presse“ use_bg_overlay=“off“ use_text_overlay=“off“ _builder_version=“3.16″ background_color=“#7EBEC5″ button_on_hover=“on“ button_text_size__hover_enabled=“off“ button_one_text_size__hover_enabled=“off“ button_two_text_size__hover_enabled=“off“ button_text_color__hover_enabled=“off“ button_one_text_color__hover_enabled=“off“ button_two_text_color__hover_enabled=“off“ button_border_width__hover_enabled=“off“ button_one_border_width__hover_enabled=“off“ button_two_border_width__hover_enabled=“off“ button_border_color__hover_enabled=“off“ button_one_border_color__hover_enabled=“off“ button_two_border_color__hover_enabled=“off“ button_border_radius__hover_enabled=“off“ button_one_border_radius__hover_enabled=“off“ button_two_border_radius__hover_enabled=“off“ button_letter_spacing__hover_enabled=“off“ button_one_letter_spacing__hover_enabled=“off“ button_two_letter_spacing__hover_enabled=“off“ button_bg_color__hover_enabled=“off“ button_one_bg_color__hover_enabled=“off“ button_two_bg_color__hover_enabled=“off“][\/et_pb_slide][\/et_pb_fullwidth_slider][\/et_pb_section][et_pb_section fb_built=“1″ make_equal=“on“ specialty=“on“ custom_padding_last_edited=“on|phone“ padding_top_1=“0px“ padding_top_2=“0px“ _builder_version=“3.22.3″ custom_margin=“0px||0px|“ custom_padding=“0px|0px|28px|0px“ custom_padding_tablet=““ custom_padding_phone=“0px|0px|7px|0px“][et_pb_column type=“1_4″ _builder_version=“3.25″ custom_padding=“|||“ custom_padding__hover=“|||“][et_pb_image src=“https:\/\/www.hublemania.ch\/wp-content\/uploads\/2018\/08\/arrow25.png“ align=“right“ align_tablet=“center“ align_phone=““ align_last_edited=“on|desktop“ disabled_on=“on||“ admin_label=“Image > (gris)“ module_class=“iconleft“ _builder_version=“3.23″ custom_margin=“|-50px||“]
\n[\/et_pb_image][\/et_pb_column][et_pb_column type=“3_4″ specialty_columns=“3″ _builder_version=“3.25″ custom_padding=“|||“ custom_padding__hover=“|||“][et_pb_row_inner custom_padding_last_edited=“on|phone“ admin_label=“Ligne“ _builder_version=“3.25″ max_width=“95%“ max_width_tablet=““ max_width_phone=“100%“ max_width_last_edited=“on|phone“ custom_margin=“0px||0px|“ custom_padding=“0px|22.2%|0px|“ custom_padding_tablet=““ custom_padding_phone=“0px|0px|0px|“][et_pb_column_inner saved_specialty_column_type=“3_4″ _builder_version=“3.25″ custom_padding=“|||“ custom_padding__hover=“|||“][et_pb_text admin_label=“Texte titre“ _builder_version=“4.0.11″ text_text_color=“#666666″ header_font_size=“20px“ custom_margin=“||0px|“ custom_padding=“||0px|“ hover_enabled=“0″]<\/p>\n

Le libre passage du 2\u00e8me pilier: qu\u00e8saco?<\/h1>\n

Harry Liffmann | Investir.ch, 16 mai 2019 | Pr\u00e9voyance<\/strong><\/p>\n

[\/et_pb_text][\/et_pb_column_inner][\/et_pb_row_inner][\/et_pb_column][\/et_pb_section][et_pb_section fb_built=“1″ make_equal=“on“ specialty=“on“ custom_padding_last_edited=“on|phone“ padding_top_1=“0px“ padding_top_2=“0px“ _builder_version=“3.22.3″ max_width_tablet=““ max_width_phone=““ max_width_last_edited=“on|desktop“ custom_margin=“0px||0px|“ custom_padding=“0px||28px|“ custom_padding_tablet=““ custom_padding_phone=“0px||7px|“][et_pb_column type=“1_4″ _builder_version=“3.25″ custom_padding=“|||“ custom_padding__hover=“|||“][\/et_pb_column][et_pb_column type=“3_4″ specialty_columns=“3″ _builder_version=“3.25″ custom_padding=“|||“ custom_padding__hover=“|||“][et_pb_row_inner custom_padding_last_edited=“on|phone“ admin_label=“Row“ _builder_version=“3.25″ max_width=“95%“ max_width_tablet=““ max_width_phone=“100%“ max_width_last_edited=“on|phone“ custom_margin=“0px||0px|“ custom_padding=“0px|22.2%|0px|“ custom_padding_tablet=““ custom_padding_phone=“0px|0px|0px|“ collapsed=“off“][et_pb_column_inner saved_specialty_column_type=“3_4″ _builder_version=“3.25″ custom_padding=“|||“ custom_padding__hover=“|||“][et_pb_text admin_label=“Text“ _builder_version=“4.0.11″ custom_margin=“|||“ hover_enabled=“0″]<\/p>\n

 <\/p>\n

La lecture d’un certificat de pr\u00e9voyance peut s’av\u00e9rer p\u00e9rilleuse, entre les termes barbares et les promesses d’un capital hypoth\u00e9tique, \u00e0 terme plusieurs assur\u00e9s seront d\u00e9\u00e7us d’avoir planifi\u00e9 une retraite ou un capital de mani\u00e8re trop \u00e9lev\u00e9e.<\/strong><\/em><\/p>\n

Par Harry Lifmann, Responsable commercial FCDE, sous-directeur au sein du groupe Mirabaud, Membre du Conseil de lemania pension hub<\/em><\/p>\n

Les assur\u00e9s apprendront \u00e0 leur d\u00e9pend que la planification de leur retraite inclut des facteurs pouvant varier sensiblement, que le rendement du capital de pr\u00e9voyance est non seulement important mais \u00e9galement que plus la fortune accumul\u00e9e est \u00e9lev\u00e9e, plus le rendement est important dans les derni\u00e8res ann\u00e9es avant le d\u00e9part \u00e0 la retraite. De mani\u00e8re g\u00e9n\u00e9rale le contexte \u00e9conomique, le profil de carri\u00e8re ainsi que des choix personnels peuvent fortement influencer le capital de retraite le moment venu.<\/p>\n

Le capital de pr\u00e9voyance qu\u2019il soit issu d\u2019une ou de diverses institutions de pr\u00e9voyance donne droit \u00e0 une prestation en cas de retraite que celle-ci soit anticip\u00e9e ou non. Les risques biom\u00e9triques d\u00e9c\u00e8s et invalidit\u00e9 cessent au moment de la retraite et ne sont plus couverts. Ce gap de couverture lors d\u2019une retraite pr\u00e9matur\u00e9e doit \u00eatre analys\u00e9 et support\u00e9 par l\u2019assur\u00e9, soit par le biais d\u2019une solution d\u2019assurance soit en prenant ce manque de couverture comme prise de risque.<\/p>\n

Lire l’article en entier sur le site Internet d’Investir<\/a><\/p>\n

[\/et_pb_text][\/et_pb_column_inner][\/et_pb_row_inner][et_pb_row_inner admin_label=“Ligne“ _builder_version=“3.25″][et_pb_column_inner saved_specialty_column_type=“3_4″ _builder_version=“3.25″ custom_padding=“|||“ custom_padding__hover=“|||“][et_pb_post_nav in_same_term=“off“ prev_text=“Article pr\u00e9c\u00e9dent“ next_text=“Article suivant“ _builder_version=“3.12.2″][\/et_pb_post_nav][\/et_pb_column_inner][\/et_pb_row_inner][\/et_pb_column][\/et_pb_section][et_pb_section fb_built=“1″ make_equal=“on“ specialty=“on“ admin_label=“Section“ _builder_version=“3.22.7″ background_image=“https:\/\/www.hublemania.ch\/wp-content\/uploads\/2018\/09\/banner_bleu_1920x350-2.jpg“ custom_margin=“0px||28px|“ custom_margin_tablet=““ custom_margin_phone=“0px||7px|“ custom_margin_last_edited=“on|phone“ custom_padding=“54px|||“][et_pb_column type=“1_4″ _builder_version=“3.25″ custom_padding=“|||“ custom_padding__hover=“|||“][et_pb_image src=“https:\/\/www.hublemania.ch\/wp-content\/uploads\/2018\/08\/arrow25white.png“ align=“right“ align_tablet=“center“ align_phone=““ align_last_edited=“on|desktop“ disabled_on=“on||“ admin_label=“Image > (blanc)“ module_class=“iconleft“ _builder_version=“3.23″ custom_margin=“|-50px||“]
\n[\/et_pb_image][\/et_pb_column][et_pb_column type=“3_4″ specialty_columns=“3″ _builder_version=“3.25″ custom_padding=“|||“ custom_padding__hover=“|||“][et_pb_row_inner custom_padding_last_edited=“on|desktop“ _builder_version=“3.25″ max_width=“95%“ max_width_tablet=““ max_width_phone=“100%“ max_width_last_edited=“on|tablet“ custom_padding=“|22.2%||“ custom_padding_tablet=““ custom_padding_phone=“|0px||“][et_pb_column_inner saved_specialty_column_type=“3_4″ _builder_version=“3.25″ custom_padding=“|0px||“ custom_padding__hover=“|||“][et_pb_text admin_label=“Text“ module_class=“lienspecial“ _builder_version=“3.27.4″ text_text_color=“#ffffff“ custom_margin=“|||“]<\/p>\n

Suivez notre actualit\u00e9<\/h4>\n

Notre politique de gouvernance accorde de l’importance \u00e0 la transparence et \u00e0 l’information. La plateforme lemania \u2013 pension hub est une initiative dynamique en constante \u00e9volution, son actualit\u00e9 est riche. Nous vous proposons de la suivre via ce site, sur lequel vous pouvez d\u00e9couvrir nos derni\u00e8res nouvelles. Vous avez \u00e9galement la possibilit\u00e9 de vous inscrire \u00e0 notre newsletter \u00e9lectronique.<\/p>\n

Lire nos derni\u00e8res nouvelles<\/a><\/p>\n

[\/et_pb_text][\/et_pb_column_inner][\/et_pb_row_inner][\/et_pb_column][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"

Investir
\nLa lecture d’un certificat de pr\u00e9voyance peut s’av\u00e9rer p\u00e9rilleuse, entre les termes barbares et les promesses d’un capital hypoth\u00e9tique, \u00e0 terme plusieurs assur\u00e9s seront d\u00e9\u00e7us d’avoir planifi\u00e9 une retraite ou un capital de mani\u00e8re trop \u00e9lev\u00e9e.<\/p>\n","protected":false},"author":7,"featured_media":3761,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[15],"tags":[],"class_list":["post-2938","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-revue-de-presse"],"yoast_head":"\n