[et_pb_section fb_built=”1″ fullwidth=”on” _builder_version=”4.16″ custom_margin=”0px||28px|” custom_margin_tablet=”” custom_margin_phone=”0px||0px|” custom_margin_last_edited=”on|desktop” global_colors_info=”{}”][et_pb_fullwidth_slider show_arrows=”off” show_pagination=”off” module_class=”internal-slider” _builder_version=”4.16″ background_image=”https:\/\/www.hublemania.ch\/wp-content\/uploads\/2018\/09\/banner_bleu_1920x350-2.jpg” custom_padding=”50px||50px||false|false” custom_css_slide_title=”color:rgba(255, 0, 0, 0.09);” global_colors_info=”{}” button_text_size__hover_enabled=”off” button_text_size__hover=”null” button_one_text_size__hover_enabled=”off” button_one_text_size__hover=”null” button_two_text_size__hover_enabled=”off” button_two_text_size__hover=”null” button_text_color__hover_enabled=”off” button_text_color__hover=”null” button_one_text_color__hover_enabled=”off” button_one_text_color__hover=”null” button_two_text_color__hover_enabled=”off” button_two_text_color__hover=”null” button_border_width__hover_enabled=”off” button_border_width__hover=”null” button_one_border_width__hover_enabled=”off” button_one_border_width__hover=”null” button_two_border_width__hover_enabled=”off” button_two_border_width__hover=”null” button_border_color__hover_enabled=”off” button_border_color__hover=”null” button_one_border_color__hover_enabled=”off” button_one_border_color__hover=”null” button_two_border_color__hover_enabled=”off” button_two_border_color__hover=”null” button_border_radius__hover_enabled=”off” button_border_radius__hover=”null” button_one_border_radius__hover_enabled=”off” button_one_border_radius__hover=”null” button_two_border_radius__hover_enabled=”off” button_two_border_radius__hover=”null” button_letter_spacing__hover_enabled=”off” button_letter_spacing__hover=”null” button_one_letter_spacing__hover_enabled=”off” button_one_letter_spacing__hover=”null” button_two_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover=”null” button_bg_color__hover_enabled=”off” button_bg_color__hover=”null” button_one_bg_color__hover_enabled=”off” button_one_bg_color__hover=”null” button_two_bg_color__hover_enabled=”off” button_two_bg_color__hover=”null”][et_pb_slide heading=”lemania3a” use_bg_overlay=”off” use_text_overlay=”off” _builder_version=”4.16″ background_color=”#7EBEC5″ button_on_hover=”on” global_colors_info=”{}” sticky_transition=”on”][\/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=”4.16″ custom_margin=”0px|||” custom_padding=”0px|0px|28px|0px” custom_padding_tablet=”” custom_padding_phone=”0px|0px|7px|0px” global_colors_info=”{}”][et_pb_column type=”1_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” 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=”4.16″ custom_margin=”|-50px||” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”3_4″ specialty_columns=”3″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_row_inner custom_padding_last_edited=”on|phone” admin_label=”Ligne” _builder_version=”4.16″ 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|” global_colors_info=”{}”][et_pb_column_inner saved_specialty_column_type=”3_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text admin_label=”Texte titre” _builder_version=”4.16″ text_text_color=”#666666″ header_font_size=”20px” custom_margin=”||0px|” custom_padding=”||0px|” global_colors_info=”{}”]<\/p>\n

Constitution d\u2019une \u00e9pargne individuelle dynamique bas\u00e9e sur la capitalisation
\n(3\u00e8me pilier a)<\/h1>\n

[\/et_pb_text][et_pb_text _builder_version=”4.20.0″ global_colors_info=”{}”]<\/p>\n

En Suisse<\/strong>, le 3\u00e8me pilier<\/strong> li\u00e9 (ou pr\u00e9voyance individuelle 3a<\/strong>) est le moyen, pour tout un chacun, de renforcer sa couverture de pr\u00e9voyance en b\u00e9n\u00e9ficiant des conditions l\u00e9gales et fiscales de la LPP.<\/p>\n

L\u2019Office f\u00e9d\u00e9ral des assurances sociales (OFAS) fixe chaque ann\u00e9e les versements maximums autoris\u00e9s et les publie sur son site Internet.<\/p>\n

Pour 2023, ils sont fix\u00e9s \u00e0 CHF 7’056.- pour les travailleurs affili\u00e9s \u00e0 une caisse de pension.<\/p>\n

Pour les travailleurs non affili\u00e9s \u00e0 une caisse de pension, ils peuvent \u00e9pargner jusqu\u2019\u00e0 20% du revenu annuel, mais au maximum CHF 35’280.-.<\/p>\n

La solution \u201clemania3a\u201d permet de constituer une \u00e9pargne de pr\u00e9voyance priv\u00e9e<\/strong> de fa\u00e7on dynamique gr\u00e2ce au libre choix du programme de placement LPP qui peut \u00eatre combin\u00e9 \u00e0 des couvertures de risque individuelles:<\/p>\n

<\/p>\n

 <\/p>\n

 <\/p>\n

\n
• Libre choix du programme de placement LPP<\/a><\/li>\n
• Couverture de risque individuelle<\/li>\n
• Avantage fiscal gr\u00e2ce \u00e0 la contribution annuelle dans le 3\u00e8me pilier<\/li>\n
• Epargne d\u00e9fiscalis\u00e9e tant que votre avoir reste investi dans la fondation<\/li>\n<\/ul>\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=”4.16″ 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|” global_colors_info=”{}”][et_pb_column type=”1_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][\/et_pb_column][et_pb_column type=”3_4″ specialty_columns=”3″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_row_inner custom_padding_last_edited=”on|phone” _builder_version=”4.16″ 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|” global_colors_info=”{}”][et_pb_column_inner saved_specialty_column_type=”3_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text admin_label=”Text” _builder_version=”4.16″ custom_margin=”|||” global_colors_info=”{}”]<\/p>\n

  Des sp\u00e9cialistes du 3e pilier <\/strong>hautement qualifi\u00e9s \u00e0 votre disposition<\/h2>\n

  Consultants, courtiers, experts agr\u00e9\u00e9s en pensions, CFO, DRH ou patrons de PME, contactez nos sp\u00e9cialistes en 3\u00e8me\u00a0<\/span>\u00a0pilier au sein de la plateforme de pr\u00e9voyance<\/strong> lemania. Ils vous renseigneront tr\u00e8s volontiers sur la solution \u201clemania3a\u201d destin\u00e9e \u00e0 la pr\u00e9voyance priv\u00e9e.
  \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=”4.16″ custom_margin=”0px||0px|” custom_padding=”0px||28px|” custom_padding_tablet=”” custom_padding_phone=”0px||7px|” global_colors_info=”{}”][et_pb_column type=”1_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][\/et_pb_column][et_pb_column type=”3_4″ specialty_columns=”3″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_row_inner custom_padding_last_edited=”on|phone” _builder_version=”4.16″ max_width=”95%” max_width_tablet=”” max_width_phone=”100%” max_width_last_edited=”on|phone” custom_margin=”0px||28px|” custom_padding=”0px|22.2%|0px|” custom_padding_tablet=”” custom_padding_phone=”0px|0px|0px|” global_colors_info=”{}”][et_pb_column_inner saved_specialty_column_type=”3_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_divider color=”#666666″ divider_position=”bottom” _builder_version=”4.16″ height=”0px” custom_margin=”||9px|” global_colors_info=”{}”][\/et_pb_divider][et_pb_image src=”https:\/\/www.hublemania.ch\/storage\/2022\/06\/img-zarra-pour-news-site.jpg” title_text=”img-zarra-pour-news-site” src_tablet=”https:\/\/www.hublemania.ch\/wp-content\/uploads\/2019\/05\/REC-500.jpg” src_phone=”https:\/\/www.hublemania.ch\/wp-content\/uploads\/2019\/05\/REC-500.jpg” src_last_edited=”on|desktop” align_tablet=”center” align_phone=”” align_last_edited=”on|desktop” _builder_version=”4.21.0″ global_colors_info=”{}” src__hover_enabled=”on|hover” src__hover=”https:\/\/www.hublemania.ch\/storage\/2022\/06\/img-zarra-pour-news-site.jpg”][\/et_pb_image][et_pb_text admin_label=”Text” _builder_version=”4.21.0″ custom_margin=”||7px|” global_colors_info=”{}”]<\/p>\n

  Pasquale Zarra
  <\/strong>CEO
  <\/em>T 058 822 18 18
  contact form<\/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” _builder_version=”4.16″ 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|||” global_colors_info=”{}”][et_pb_column type=”1_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” 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=”4.16″ custom_margin=”|-50px||” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”3_4″ specialty_columns=”3″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_row_inner custom_padding_last_edited=”on|desktop” _builder_version=”4.16″ 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||” global_colors_info=”{}”][et_pb_column_inner saved_specialty_column_type=”3_4″ _builder_version=”4.16″ custom_padding=”|0px||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text admin_label=”Text” module_class=”lienspecial” _builder_version=”4.16″ text_text_color=”#ffffff” custom_margin=”|||” global_colors_info=”{}”]<\/p>\n

  Vos avantages<\/h2>\n

  Pourquoi vous adressez \u00e0 lemania – pension hub, et nous faire confiance ? Quels sont les avantages que vous offre notre approche construite autour du concept de “hub” et de libre choix ? Dans un contexte qui voit la pr\u00e9voyance traditionnelle passablement mise \u00e0 l’\u00e9preuve, notre objectif est de proposer des solutions dynamiques et fiables permettant aux b\u00e9n\u00e9ficiaires de pr\u00e9parer activement leur avenir.<\/p>\n

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

  Constitution d\u2019une \u00e9pargne individuelle dynamique bas\u00e9e sur la capitalisation (3\u00e8me pilier a) En Suisse, le 3\u00e8me pilier li\u00e9 (ou pr\u00e9voyance individuelle 3a) est le moyen, pour tout un chacun, de renforcer sa couverture de pr\u00e9voyance en b\u00e9n\u00e9ficiant des conditions l\u00e9gales et fiscales de la LPP. L\u2019Office f\u00e9d\u00e9ral des assurances sociales (OFAS) fixe chaque ann\u00e9e les […]<\/p>\n","protected":false},"author":7,"featured_media":0,"parent":5857,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"class_list":["post-5887","page","type-page","status-publish","hentry"],"yoast_head":"\n