{"id":3308,"date":"2019-10-27T21:45:36","date_gmt":"2019-10-27T20:45:36","guid":{"rendered":"https:\/\/www.hublemania.ch\/?p=3308"},"modified":"2019-10-28T21:58:52","modified_gmt":"2019-10-28T20:58:52","slug":"eparge_capiletemps","status":"publish","type":"post","link":"https:\/\/www.hublemania.ch\/de\/eparge_capiletemps\/","title":{"rendered":"L’augmentation des contributions dans le pilier 3a est n\u00e9cessaire"},"content":{"rendered":"

[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||“] 
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L’augmentation des contributions dans le pilier 3a est n\u00e9cessaire<\/h1>\n

Roxane Ecoffey, tit. du brevet f\u00e9d\u00e9ral en pr\u00e9voyance professionnelle<\/strong>
Article publi\u00e9 le 27 octobre 2019, Le Temps
<\/strong>lire l’article sur le site du journal le Temps<\/a><\/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=“4.0.3″ custom_margin=“|||“ hover_enabled=“0″]<\/p>\n

Une r\u00e9cente \u00e9tude de Comparis publi\u00e9e en ao\u00fbt dernier relative \u00e0 l\u2019\u00e9pargne des millenials au niveau du syst\u00e8me des 3 piliers a \u00ab\u00a0enfin\u00a0\u00bb mis en exergue une th\u00e9matique cruciale pour cette g\u00e9n\u00e9ration\u00a0; \u00e0 savoir l\u2019importance croissante dans un processus d\u2019\u00e9pargne de la pr\u00e9voyance priv\u00e9e\u00a0qui se mat\u00e9rialise non seulement au travers du 2\u00e8me pilier surobligatoire mais surtout au sein du 3\u00e8me pilier. Les conclusions de ce rapport sont limpides, les cotisations d\u00e9ductibles du 3\u00e8me pilier devraient \u00eatre augment\u00e9es afin que cette g\u00e9n\u00e9ration de jeunes actifs puisse augmenter son niveau de prestations r\u00e9sultant de la pr\u00e9voyance individuelle (3a). Dans ce contexte, il serait n\u00e9cessaire que la Berne f\u00e9d\u00e9rale aborde sans plus tarder le dossier de la r\u00e9forme de notre syst\u00e8me de pr\u00e9voyance en int\u00e9grant dans ses r\u00e9flexions le pilier 3a car malgr\u00e9 les discussions des partenaires sociaux de cet \u00e9t\u00e9, l\u2019\u00e9quation soci\u00e9tale que repr\u00e9sente le financement de nos retraites n\u2019est toujours pas r\u00e9solue et les d\u00e9fis restent nombreux.<\/p>\n

Probl\u00e8me avec un rel\u00e8vement de l’\u00e2ge de la retraite<\/strong><\/p>\n

Face \u00e0 ces derniers, il est possible d\u2019envisager plusieurs actions, notamment de commencer \u00e0 cotiser plus t\u00f4t pour son \u00e9pargne, 18 ans au lieu de 25 comme cela est d\u00e9j\u00e0 le cas pour l\u2019assurance risque. Une autre solution souvent discut\u00e9e est l\u2019augmentation de l\u2019\u00e2ge de la retraite.<\/p>\n

\"\"Malgr\u00e9 la contribution des march\u00e9s, le besoin en \u00e9pargne ne cesse de cro\u00eetre dans la pr\u00e9voyance vieillesse<\/em><\/p>\n

N\u00e9anmoins, certaines professions sont p\u00e9nibles physiquement, mentalement, ou sont amen\u00e9es \u00e0 dispara\u00eetre\u00a0: il est d\u00e8s lors impossible d\u2019imposer des ann\u00e9es de travail suppl\u00e9mentaires. En cons\u00e9quence, augmenter l\u2019\u00e2ge de la retraite risque de ne rien r\u00e9soudre, au contraire, la dur\u00e9e de ch\u00f4mage s\u2019allongerait, sans oublier les prestations compl\u00e9mentaires qui s\u2019amplifieraient selon toute vraisemblance. Autre approche possible, celle d\u2019une uniformisation des cotisations \u00e0 travers les cat\u00e9gories d\u2019\u00e2ges afin d\u2019\u00e9viter les discriminations entre les diverses g\u00e9n\u00e9rations d\u2019actifs. Cette piste de r\u00e9flexion est int\u00e9ressante et n\u2019engendre pas n\u00e9cessairement des co\u00fbts suppl\u00e9mentaires. Augmenter les taux de cotisations est \u00e9galement une option, il ne faut toutefois pas minimiser l\u2019impact de ce type de mesures, tant pour les entreprises que pour les employ\u00e9s. En effet, selon leur taille, les PME ne peuvent financi\u00e8rement pas couvrir un co\u00fbt patronal suppl\u00e9mentaire. Au m\u00eame titre, les employ\u00e9s, selon les salaires, n\u2019ont pas la possibilit\u00e9 d\u2019absorber une charge additionnelle sans d\u00e9s\u00e9quilibrer le budget de leur m\u00e9nage.<\/p>\n

Face \u00e0 la complexit\u00e9 de cette \u00e9quation \u00e0 multiples inconnues, l\u2019individu et plus particuli\u00e8rement le millenials n\u2019a pas d\u2019autres choix que de s\u2019impliquer personnellement durant toute son activit\u00e9 professionnelle dans les questions de pr\u00e9voyance vieillesse. Avoir une retraite descente d\u00e9pend certes de la pr\u00e9voyance professionnelle mais \u00e9galement de la pr\u00e9voyance individuelle. L\u2019importance d\u2019y cotiser rel\u00e8ve de la responsabilit\u00e9 individuelle de chacun. Pour compenser la baisse des prestations vers\u00e9es par la pr\u00e9voyance professionnelle, il sera sans doute n\u00e9cessaire que les cotisations du 3\u00e8me soient sensiblement relev\u00e9es \u00e0 moyen terme. Cotiser davantage, outre l\u2019int\u00e9r\u00eat ind\u00e9niable de la d\u00e9fiscalisation, donnera une chance en plus \u00e0 chacun de capitaliser son avoir et ainsi de b\u00e9n\u00e9ficier d\u2019une retraite en ad\u00e9quation avec ses derniers revenus. A ce stade, rappelons qu\u2019une fois tous les potentiels de rachat \u00e9coul\u00e9s dans une caisse de pension, il n\u2019existe pas d\u2019option autre que le 3\u00e8me pilier pour se constituer une \u00e9pargne suppl\u00e9mentaire d\u00e9fiscalis\u00e9e.<\/p>\n

Travailler plus et recevoir moins ? non<\/strong><\/p>\n

Il est fort \u00e0 parier que l\u2019\u00e2ge de la retraite s\u2019\u00e9l\u00e8vera t\u00f4t ou tard. La baisse des taux de conversion, quant \u00e0 elle, a d\u00e9j\u00e0 commenc\u00e9, l\u2019esp\u00e9rance de vie reste \u00e9lev\u00e9e et les performances des march\u00e9s financiers ne permettent pas aux caisses de verser des rentes aussi cons\u00e9quentes que celles per\u00e7ues par les baby boomers. Les assur\u00e9s actifs actuels, et tout particuli\u00e8rement ceux qui ont encore de nombreuses ann\u00e9es de cotisation \u00e0 venir, n\u2019ont pas \u00e0 faire les frais de ce syst\u00e8me en mutation. Travailler plus longtemps pour recevoir moins est inacceptable, il ne reste donc aucun autre choix que de se responsabiliser au plus t\u00f4t de sa carri\u00e8re, en cotisant tout simplement dans un pilier 3a. Selon l\u2019activit\u00e9 professionnelle, il est ind\u00e9niable que l\u2019assur\u00e9 ne peut y contribuer que partiellement, mais l\u2019essentiel est d\u2019initier un processus d\u2019\u00e9pargne. Cette \u00e9pargne volontaire, capitalis\u00e9e et d\u00e9fiscalis\u00e9e est devenue cruciale \u00e0 constituer pour les millenials afin de leur permettre d\u2019avoir \u00e0 terme des prestations de pr\u00e9voyance suffisante sous l\u2019angle financier. Gageons que la limite actuelle de contribution dans le 3\u00e8me pilier soit revue tr\u00e8s rapidement \u00e0 la hausse. Chacun est d\u00e9j\u00e0 libre de se constituer un capital, en fonction de son revenu et de son envie, il est devenu toutefois urgent que le politique agisse afin que les assur\u00e9s que nous sommes soient incit\u00e9s \u00e0 cotiser plus fortement dans notre pr\u00e9voyance priv\u00e9e\u00a0!<\/p>\n

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Le besoin en \u00e9pargne ne cesse de cro\u00eetre surtout pour les millenials<\/p>\n","protected":false},"author":7,"featured_media":2839,"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-3308","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-revue-de-presse"],"yoast_head":"\nL'augmentation des contributions dans le pilier 3a est n\u00e9cessaire - Lemania- Pension Fund<\/title>\n<meta name=\"description\" content=\"L\u2019augmentation des contributions dans le pilier 3a est n\u00e9cessaire pour renforcer son attractivit\u00e9\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"http:\/\/www.hublemania.ch\/de\/eparge_capiletemps\/\" \/>\n<meta property=\"og:locale\" content=\"de_DE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Le besoin en \u00e9pargne ne cesse de cro\u00eetre surtout pour les millenials\" \/>\n<meta property=\"og:description\" content=\"Une r\u00e9cente \u00e9tude de Comparis publi\u00e9e en ao\u00fbt dernier relative \u00e0 l\u2019\u00e9pargne des millenials au niveau du syst\u00e8me des 3 piliers a \u00ab\u00a0enfin\u00a0\u00bb mis en exergue une th\u00e9matique cruciale pour cette g\u00e9n\u00e9ration\u00a0; \u00e0 savoir l\u2019importance croissante dans un processus d\u2019\u00e9pargne de la pr\u00e9voyance priv\u00e9e\u00a0qui se mat\u00e9rialise non seulement au travers du 2\u00e8me pilier surobligatoire mais surtout au sein du 3\u00e8me pilier.\" \/>\n<meta property=\"og:url\" content=\"http:\/\/www.hublemania.ch\/de\/eparge_capiletemps\/\" \/>\n<meta property=\"og:site_name\" content=\"Lemania- Pension Fund\" \/>\n<meta property=\"article:published_time\" content=\"2019-10-27T20:45:36+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2019-10-28T20:58:52+00:00\" \/>\n<meta property=\"og:image\" content=\"http:\/\/www.hublemania.ch\/wp-content\/uploads\/2019\/10\/tend_pp.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1043\" \/>\n\t<meta property=\"og:image:height\" content=\"683\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Alexandre Michellod\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"Le besoin en \u00e9pargne ne cesse de cro\u00eetre surtout pour les millenials\" \/>\n<meta name=\"twitter:description\" content=\"Une r\u00e9cente \u00e9tude de Comparis publi\u00e9e en ao\u00fbt dernier relative \u00e0 l\u2019\u00e9pargne des millenials au niveau du syst\u00e8me des 3 piliers a \u00ab\u00a0enfin\u00a0\u00bb mis en exergue une th\u00e9matique cruciale pour cette g\u00e9n\u00e9ration\u00a0; \u00e0 savoir l\u2019importance croissante dans un processus d\u2019\u00e9pargne de la pr\u00e9voyance priv\u00e9e\u00a0qui se mat\u00e9rialise non seulement au travers du 2\u00e8me pilier surobligatoire mais surtout au sein du 3\u00e8me pilier.\" \/>\n<meta name=\"twitter:image\" content=\"https:\/\/www.hublemania.ch\/wp-content\/uploads\/2019\/10\/tend_pp.jpg\" \/>\n<meta name=\"twitter:label1\" content=\"Verfasst von\" \/>\n\t<meta name=\"twitter:data1\" content=\"Alexandre Michellod\" \/>\n\t<meta name=\"twitter:label2\" content=\"Gesch\u00e4tzte Lesezeit\" \/>\n\t<meta name=\"twitter:data2\" content=\"10\u00a0Minuten\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"http:\\\/\\\/www.hublemania.ch\\\/de\\\/eparge_capiletemps\\\/#article\",\"isPartOf\":{\"@id\":\"http:\\\/\\\/www.hublemania.ch\\\/de\\\/eparge_capiletemps\\\/\"},\"author\":{\"name\":\"Alexandre Michellod\",\"@id\":\"https:\\\/\\\/www.hublemania.ch\\\/en\\\/#\\\/schema\\\/person\\\/0a1d07e5e98955a66c6d16f7b3cb5557\"},\"headline\":\"L’augmentation des contributions dans le pilier 3a est n\u00e9cessaire\",\"datePublished\":\"2019-10-27T20:45:36+00:00\",\"dateModified\":\"2019-10-28T20:58:52+00:00\",\"mainEntityOfPage\":{\"@id\":\"http:\\\/\\\/www.hublemania.ch\\\/de\\\/eparge_capiletemps\\\/\"},\"wordCount\":2062,\"image\":{\"@id\":\"http:\\\/\\\/www.hublemania.ch\\\/de\\\/eparge_capiletemps\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.hublemania.ch\\\/wp-content\\\/uploads\\\/2019\\\/05\\\/REC-500.jpg\",\"articleSection\":[\"Revue de presse\"],\"inLanguage\":\"de\"},{\"@type\":\"WebPage\",\"@id\":\"http:\\\/\\\/www.hublemania.ch\\\/de\\\/eparge_capiletemps\\\/\",\"url\":\"http:\\\/\\\/www.hublemania.ch\\\/de\\\/eparge_capiletemps\\\/\",\"name\":\"L'augmentation des contributions dans le pilier 3a est n\u00e9cessaire - 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