{"id":3621,"date":"2025-04-16T09:09:15","date_gmt":"2025-04-16T07:09:15","guid":{"rendered":"https:\/\/conseillerfinanciergeneve.ch\/?p=3621"},"modified":"2025-04-15T13:22:31","modified_gmt":"2025-04-15T11:22:31","slug":"3e-pilier-b-suisse","status":"publish","type":"post","link":"https:\/\/conseillerfinanciergeneve.ch\/en\/3e-pilier-b-suisse\/","title":{"rendered":"3e pilier b : La solution flexible pour votre pr\u00e9voyance en Suisse"},"content":{"rendered":"<p><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Pr\u00e9parer sa retraite en Suisse peut sembler complexe quand on d\u00e9couvre la diversit\u00e9 des solutions d&rsquo;\u00e9pargne disponibles. Le <\/span><\/span><\/span><\/span><\/span><\/span><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">troisi\u00e8me pilier b<\/span><\/span><\/span><\/span><\/span><\/span><\/strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> se distingue par sa flexibilit\u00e9 et l&rsquo;absence de plafond pour les versements. Cette \u00e9pargne libre permet de constituer un capital compl\u00e9mentaire pour la retraite tout en offrant des avantages fiscaux dans certains cantons comme Gen\u00e8ve ou Fribourg.<\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n<h2><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Sommaire<\/span><\/span><\/span><\/span><\/span><\/span><\/h2>\n<ol>\n<li><a href=\"#definition-et-principes\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Le 3e pilier b : d\u00e9finition et principes fondamentaux<\/span><\/span><\/span><\/span><\/span><\/span><\/a><\/li>\n<li><a href=\"#avantages-et-inconvenients\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Les avantages et inconv\u00e9nients du 3e pilier b<\/span><\/span><\/span><\/span><\/span><\/span><\/a><\/li>\n<li><a href=\"#comparaison-3a-3b\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Comparaison entre le 3e pilier a et le 3e pilier b<\/span><\/span><\/span><\/span><\/span><\/span><\/a><\/li>\n<li><a href=\"#utilisations-pilier-b\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Utilisations sp\u00e9cifiques du 3e pilier b<\/span><\/span><\/span><\/span><\/span><\/span><\/a><\/li>\n<li><a href=\"#cas-particuliers\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Cas particuliers : frontaliers et expatri\u00e9s<\/span><\/span><\/span><\/span><\/span><\/span><\/a><\/li>\n<li><a href=\"#comment-choisir\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Comment choisir son 3e pilier b?<\/span><\/span><\/span><\/span><\/span><\/span><\/a><\/li>\n<\/ol>\n<h2 id=\"definition-et-principes\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Le 3e pilier b : d\u00e9finition et principes fondamentaux<\/span><\/span><\/span><\/span><\/span><\/span><\/h2>\n<h3><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Qu&rsquo;est-ce que le 3e pilier b en Suisse?<\/span><\/span><\/span><\/span><\/span><\/span><\/h3>\n<p><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Le 3e pilier b repr\u00e9sente une forme de pr\u00e9voyance individuelle et facultative en Suisse, souvent d\u00e9sign\u00e9e comme \u00ab pr\u00e9voyance libre \u00bb. Ce dispositif vient compl\u00e9ter les prestations des 1er et 2e piliers (AVS\/AI et caisses de pension) ainsi que du 3e pilier a pour <\/span><\/span><\/span><\/span><\/span><\/span><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">constituer un capital retraite suffisant<\/span><\/span><\/span><\/span><\/span><\/span><\/strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> .<\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n<p><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Contrairement aux autres piliers, le 3e pilier b se caract\u00e9rise par sa <\/span><\/span><\/span><\/span><\/span><\/span><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">nature non contraignante et flexible<\/span><\/span><\/span><\/span><\/span><\/span><\/strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> . Il n&rsquo;est pas soumis aux restrictions l\u00e9gales qui encadrent le 3e pilier \u00e0 (pr\u00e9voyance li\u00e9e), ce qui permet une gestion personnalis\u00e9e de son \u00e9pargne selon ses propres modalit\u00e9s.<\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n<h3><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Les diff\u00e9rentes formes du 3e pilier b<\/span><\/span><\/span><\/span><\/span><\/span><\/h3>\n<p><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Le troisi\u00e8me pilier b offre <\/span><\/span><\/span><\/span><\/span><\/span><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">une multitude d&rsquo;options d&rsquo;investissement adapt\u00e9es<\/span><\/span><\/span><\/span><\/span><\/span><\/strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> aux besoins et objectifs de chacun. Sa polyvalence permet d&rsquo;explorer diverses voies pour construire son patrimoine et pr\u00e9parer efficacement sa retraite.<\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n<p><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Il existe une <\/span><\/span><\/span><\/span><\/span><\/span><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">panoplie de solutions d&rsquo;\u00e9pargne<\/span><\/span><\/span><\/span><\/span><\/span><\/strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> dans le cadre du 3e pilier b.<\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n<ul>\n<li><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Comptes d&rsquo;\u00e9pargne<\/span><\/span><\/span><\/span><\/span><\/span><\/strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> : Id\u00e9al pour une \u00e9pargne s\u00e9curis\u00e9e avec un faible risque.<\/span><\/span><\/span><\/span><\/span><\/span><\/li>\n<li><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Fonds de placement<\/span><\/span><\/span><\/span><\/span><\/span><\/strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> : Permet de diversifier les investissements avec un potentiel de rendement plus \u00e9lev\u00e9.<\/span><\/span><\/span><\/span><\/span><\/span><\/li>\n<li><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Assurances vie<\/span><\/span><\/span><\/span><\/span><\/span><\/strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> : Offre une protection en cas de d\u00e9c\u00e8s ou d&rsquo;invalidit\u00e9, tout en constituant un capital.<\/span><\/span><\/span><\/span><\/span><\/span><\/li>\n<li><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Biens immobiliers<\/span><\/span><\/span><\/span><\/span><\/span><\/strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> : Investir dans la pierre peut \u00eatre une solution de pr\u00e9voyance \u00e0 long terme.<\/span><\/span><\/span><\/span><\/span><\/span><\/li>\n<\/ul>\n<p><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Ces solutions offrent une <\/span><\/span><\/span><\/span><\/span><\/span><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">grande libert\u00e9 pour atteindre<\/span><\/span><\/span><\/span><\/span><\/span><\/strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> vos objectifs de vie.<\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n<p><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Un atout majeur du pilier 3b r\u00e9side dans <\/span><\/span><\/span><\/span><\/span><\/span><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">l&rsquo;absence de plafond<\/span><\/span><\/span><\/span><\/span><\/span><\/strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> pour les versements. Vous d\u00e9terminez librement le montant et la fr\u00e9quence de vos contributions, qu&rsquo;il s&rsquo;agisse de primes uniques ou p\u00e9riodiques.<\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n<h3><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">La place du 3e pilier b dans la pr\u00e9voyance priv\u00e9e<\/span><\/span><\/span><\/span><\/span><\/span><\/h3>\n<p><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Le 3e pilier b joue un <\/span><\/span><\/span><\/span><\/span><\/span><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">r\u00f4le compl\u00e9mentaire important<\/span><\/span><\/span><\/span><\/span><\/span><\/strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> dans le syst\u00e8me de pr\u00e9voyance suisse en permettant de combler les lacunes des autres piliers. Pour comprendre comment, consultez notre article : <\/span><\/span><\/span><\/span><\/span><\/span><a href=\"https:\/\/conseillerfinanciergeneve.ch\/en\/comment-combler-lacunes-prevoyance-3eme-pilier\/\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Comment Combler les Lacunes de Pr\u00e9voyance avec le 3\u00e8me &#8230;<\/span><\/span><\/span><\/span><\/span><\/span><\/a><\/p>\n<p><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">\u00c9tant donn\u00e9 que les rentes des premier et deuxi\u00e8me piliers couvrent g\u00e9n\u00e9ralement seulement 55 % du dernier revenu per\u00e7u, l&rsquo; <\/span><\/span><\/span><\/span><\/span><\/span><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">utilisation d&rsquo;une \u00e9pargne priv\u00e9e<\/span><\/span><\/span><\/span><\/span><\/span><\/strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> comme le pilier 3b devient primordiale pour maintenir son niveau de vie \u00e0 la retraite. Certaines \u00e9tudes sont r\u00e9alis\u00e9es m\u00eame que cette couverture pourrait chuter \u00e0 45% d&rsquo;ici 2025, renfor\u00e7ant l&rsquo;importance d&rsquo;une \u00e9pargne compl\u00e9mentaire.<\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n<h2 id=\"avantages-et-inconvenients\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Les avantages et inconv\u00e9nients du 3e pilier b<\/span><\/span><\/span><\/span><\/span><\/span><\/h2>\n<h3><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Avantages principaux du 3e pilier b<\/span><\/span><\/span><\/span><\/span><\/span><\/h3>\n<p><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Le 3e pilier b se distingue principalement par sa <\/span><\/span><\/span><\/span><\/span><\/span><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">flexibilit\u00e9 exceptionnelle<\/span><\/span><\/span><\/span><\/span><\/span><\/strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> qui permet d&rsquo;\u00e9pargner \u00e0 son propre rythme et d&rsquo;acc\u00e9der \u00e0 son capital quand bon vous semble.<\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n<p><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Sur le plan fiscal, certains cantons offrent des avantages pour les cotisations vers\u00e9es dans le cadre du pilier 3b, m\u00eame si ces <\/span><\/span><\/span><\/span><\/span><\/span><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">avantages restent moins importants<\/span><\/span><\/span><\/span><\/span><\/span><\/strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> que ceux du pilier 3a.<\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n<h3><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Avantages sp\u00e9cifiques des assurances vie dans le cadre du 3e pilier b<\/span><\/span><\/span><\/span><\/span><\/span><\/h3>\n<p><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Les assurances vie du 3e pilier b proposent une <\/span><\/span><\/span><\/span><\/span><\/span><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">protection financi\u00e8re pr\u00e9cieuse<\/span><\/span><\/span><\/span><\/span><\/span><\/strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> en cas de d\u00e9c\u00e8s ou d&rsquo;invalidit\u00e9, permettant ainsi de mettre votre famille \u00e0 l&rsquo;abri des difficult\u00e9s \u00e9conomiques.<\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n<div style=\"overflow: auto; max-width: 100%;\">\n<table>\n<caption><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Comparaison des types d&rsquo;assurances vie 3e pilier b<\/span><\/span><\/span><\/span><\/span><\/span><\/caption>\n<thead>\n<tr>\n<th><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Type d&rsquo;assurance<\/span><\/span><\/span><\/span><\/span><\/span><\/th>\n<th><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Imposition pendant le contrat<\/span><\/span><\/span><\/span><\/span><\/span><\/th>\n<th><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Imposition \u00e0 la sortie (succession)<\/span><\/span><\/span><\/span><\/span><\/span><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Risque pur (d\u00e9c\u00e8s)<\/span><\/span><\/span><\/span><\/span><\/span><\/td>\n<td><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Exon\u00e9ration des rendements<\/span><\/span><\/span><\/span><\/span><\/span><\/td>\n<td><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Exempt\u00e9e de l&rsquo;imp\u00f4t sur les successions, mais imp\u00f4t sur le revenu \u00e0 taux r\u00e9duit<\/span><\/span><\/span><\/span><\/span><\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Capitalisation (mixte)<\/span><\/span><\/span><\/span><\/span><\/span><\/td>\n<td><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Exon\u00e9ration des rendements<\/span><\/span><\/span><\/span><\/span><\/span><\/td>\n<td><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Int\u00e9gralement impos\u00e9e au titre des successions, exon\u00e9r\u00e9e de l&rsquo;imp\u00f4t sur le revenu<\/span><\/span><\/span><\/span><\/span><\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Emplacement viag\u00e8re<\/span><\/span><\/span><\/span><\/span><\/span><\/td>\n<td><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Exon\u00e9ration des rendements<\/span><\/span><\/span><\/span><\/span><\/span><\/td>\n<td><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">40% de la prestation est soumis \u00e0 un imp\u00f4t unique et distinct sur le revenu (taux r\u00e9duits). 60% restant : imp\u00f4t sur les successions.<\/span><\/span><\/span><\/span><\/span><\/span><\/td>\n<\/tr>\n<\/tbody>\n<tfoot>\n<tr>\n<td colspan=\"3\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">L\u00e9gende : Les assurances vie 3e pilier b offrent diff\u00e9rentes options de traitement fiscal en mati\u00e8re de succession.<\/span><\/span><\/span><\/span><\/span><\/span><\/td>\n<\/tr>\n<\/tfoot>\n<\/table>\n<\/div>\n<p><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Le 3e pilier b vous permet de <\/span><\/span><\/span><\/span><\/span><\/span><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">choisir librement vos b\u00e9n\u00e9ficiaires<\/span><\/span><\/span><\/span><\/span><\/span><\/strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> en cas de d\u00e9c\u00e8s, dans la limite du respect des parts r\u00e9servataires pr\u00e9vues par le droit des successions.<\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n<h3><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Limites et inconv\u00e9nients du 3e pilier b<\/span><\/span><\/span><\/span><\/span><\/span><\/h3>\n<p><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Le traitement fiscal du 3e pilier b est g\u00e9n\u00e9ralement <\/span><\/span><\/span><\/span><\/span><\/span><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">moins favorable<\/span><\/span><\/span><\/span><\/span><\/span><\/strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> que celui du 3e pilier a, car les versements ne sont pas d\u00e9ductibles du revenu imposable dans la majorit\u00e9 des cantons.<\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n<p><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Durant toute la phase d&rsquo;\u00e9pargne, la valeur de rachat de votre contrat 3e pilier b est <\/span><\/span><\/span><\/span><\/span><\/span><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">consid\u00e9r\u00e9e comme un \u00e9l\u00e9ment de fortune<\/span><\/span><\/span><\/span><\/span><\/span><\/strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> et donc soumise \u00e0 l&rsquo;imp\u00f4t sur la fortune.<\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n<h3><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Fiscalit\u00e9 du 3e pilier b<\/span><\/span><\/span><\/span><\/span><\/span><\/h3>\n<p><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Contrairement au pilier 3a, les versements effectu\u00e9s dans le cadre du 3e pilier b ne sont g\u00e9n\u00e9ralement pas d\u00e9ductibles fiscalement, mais <\/span><\/span><\/span><\/span><\/span><\/span><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">les retraits ne sont pas impos\u00e9s<\/span><\/span><\/span><\/span><\/span><\/span><\/strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> .<\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n<p><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Les cantons de Gen\u00e8ve et de Fribourg font figure d&rsquo;exception en <\/span><\/span><\/span><\/span><\/span><\/span><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">permettant de d\u00e9duire certaines primes<\/span><\/span><\/span><\/span><\/span><\/span><\/strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> du revenu imposable, avec par exemple \u00e0 Gen\u00e8ve des montants allant jusqu&rsquo;\u00e0 CHF 2&rsquo;196 pour une personne c\u00e9libataire salari\u00e9e ou CHF 3&rsquo;294 pour un couple mari\u00e9.<\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n<h2 id=\"comparaison-3a-3b\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Comparaison entre le 3e pilier a et le 3e pilier b<\/span><\/span><\/span><\/span><\/span><\/span><\/h2>\n<h3><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Diff\u00e9rences fondamentales entre les deux types de pr\u00e9voyance<\/span><\/span><\/span><\/span><\/span><\/span><\/h3>\n<p><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Le 3e pilier a est soumis \u00e0 la loi sur la pr\u00e9voyance professionnelle tandis que le 3e pilier b rel\u00e8ve du droit priv\u00e9 et offre une libert\u00e9 contractuelle bien plus importante.<\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n<p><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Le pilier 3a n&rsquo;est accessible qu&rsquo;aux personnes exer\u00e7ant une activit\u00e9 lucrative avec des revenus soumis \u00e0 l&rsquo;AVS, alors que le <\/span><\/span><\/span><\/span><\/span><\/span><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">3e pilier b est ouvert \u00e0 tous<\/span><\/span><\/span><\/span><\/span><\/span><\/strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> sans condition d&rsquo;activit\u00e9 ou de revenus.<\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n<h3><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Diff\u00e9rences en mati\u00e8re de versements et de retraits<\/span><\/span><\/span><\/span><\/span><\/span><\/h3>\n<p><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Les versements dans le 3e pilier a sont plafon\u00e9s annuellement (6&rsquo;883 CHF pour les salari\u00e9s et 34&rsquo;416 CHF pour les ind\u00e9pendants en 2023), <\/span><\/span><\/span><\/span><\/span><\/span><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">contrairement au pilier 3b<\/span><\/span><\/span><\/span><\/span><\/span><\/strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> qui ne conna\u00eet aucune limite de cotisation.<\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n<p><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Le retrait du capital du pilier 3a est strictement encadr\u00e9, g\u00e9n\u00e9ralement possible cinq ans avant l&rsquo;\u00e2ge de la retraite ordinaire ou dans des cas sp\u00e9cifiques comme l&rsquo;achat immobilier, tandis que le pilier 3b permet d&rsquo;acc\u00e9der \u00e0 son capital \u00e0 tout moment sans justification particuli\u00e8re.<\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n<h3><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Comparaison des avantages fiscaux<\/span><\/span><\/span><\/span><\/span><\/span><\/h3>\n<p><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Les cotisations au pilier 3a sont <\/span><\/span><\/span><\/span><\/span><\/span><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">int\u00e9gralement d\u00e9ductibles du revenu imposable<\/span><\/span><\/span><\/span><\/span><\/span><\/strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> , ce qui n&rsquo;est pas le cas pour le 3e pilier b sauf dans certains cantons comme Gen\u00e8ve et Fribourg.<\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n<div style=\"overflow: auto; max-width: 100%;\">\n<table>\n<caption><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Principales diff\u00e9rences fiscales entre le 3e pilier a et le 3e pilier b<\/span><\/span><\/span><\/span><\/span><\/span><\/caption>\n<thead>\n<tr>\n<th><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Aspect fiscal<\/span><\/span><\/span><\/span><\/span><\/span><\/th>\n<th><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">3e pilier a<\/span><\/span><\/span><\/span><\/span><\/span><\/th>\n<th><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">3e pilier b<\/span><\/span><\/span><\/span><\/span><\/span><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">D\u00e9ductibilit\u00e9 des versements<\/span><\/span><\/span><\/span><\/span><\/span><\/td>\n<td><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">D\u00e9ductibles int\u00e9grales du revenu<\/span><\/span><\/span><\/span><\/span><\/span><\/td>\n<td><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Non d\u00e9ductibles (sauf Gen\u00e8ve\/Fribourg)<\/span><\/span><\/span><\/span><\/span><\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Imposition durant l&rsquo;\u00e9pargne<\/span><\/span><\/span><\/span><\/span><\/span><\/td>\n<td><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Exon\u00e9ration d&rsquo;imp\u00f4t sur la fortune<\/span><\/span><\/span><\/span><\/span><\/span><\/td>\n<td><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Tax\u00e9 comme \u00e9l\u00e9ment de fortune<\/span><\/span><\/span><\/span><\/span><\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Imposition au retrait<\/span><\/span><\/span><\/span><\/span><\/span><\/td>\n<td><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Imposition s\u00e9par\u00e9e \u00e0 taux r\u00e9duit<\/span><\/span><\/span><\/span><\/span><\/span><\/td>\n<td><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">G\u00e9n\u00e9ralement non impos\u00e9<\/span><\/span><\/span><\/span><\/span><\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">\u00c0 la retraite, les retraits du pilier 3a sont impos\u00e9s s\u00e9par\u00e9ment des autres revenus \u00e0 un <\/span><\/span><\/span><\/span><\/span><\/span><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">taux pr\u00e9f\u00e9rentiel<\/span><\/span><\/span><\/span><\/span><\/span><\/strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> , alors que les retraits du pilier 3b ne sont g\u00e9n\u00e9ralement pas impos\u00e9s puisque le capital a d\u00e9j\u00e0 \u00e9t\u00e9 tax\u00e9 pendant la phase d&rsquo;\u00e9pargne.<\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n<h3><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Quelle strat\u00e9gie adopter : combiner les deux piliers ?<\/span><\/span><\/span><\/span><\/span><\/span><\/h3>\n<p><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Disposer des deux types de piliers permet d&rsquo; <\/span><\/span><\/span><\/span><\/span><\/span><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">optimiser votre pr\u00e9voyance<\/span><\/span><\/span><\/span><\/span><\/span><\/strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> en profitant des avantages fiscaux du 3a tout en conservant la flexibilit\u00e9 offerte par le 3b.<\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n<p><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Le 3e pilier b s&rsquo;av\u00e8re particuli\u00e8rement adapt\u00e9 aux personnes ayant d\u00e9j\u00e0 maximis\u00e9 leurs cotisations au pilier 3a, aux ind\u00e9pendants cherchant une protection suppl\u00e9mentaire ou aux investisseurs souhaitant diversifier leur \u00e9pargne retraite sans contrainte de montant ni de dur\u00e9e. Contrairement au 3e pilier a, le 3e pilier b <\/span><\/span><\/span><\/span><\/span><\/span><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">n&rsquo;a pas de limite<\/span><\/span><\/span><\/span><\/span><\/span><\/strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> de versement. Pour en savoir plus sur les limites du 3e pilier en g\u00e9n\u00e9ral, consultez notre article : <\/span><\/span><\/span><\/span><\/span><\/span><a href=\"https:\/\/conseillerfinanciergeneve.ch\/en\/combien-3eme-pilier-puis-je-avoir-suisse-limites-avantages\/\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Combien de 3\u00e8me Pilier Puis-Je Avoir en Suisse ?<\/span><\/span><\/span><\/span><\/span><\/span><\/a><\/p>\n<h2 id=\"utilisations-pilier-b\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Utilisations sp\u00e9cifiques du 3e pilier b<\/span><\/span><\/span><\/span><\/span><\/span><\/h2>\n<h3><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">\u00c9pargne et pr\u00e9paration \u00e0 la retraite<\/span><\/span><\/span><\/span><\/span><\/span><\/h3>\n<p><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Le 3e pilier b constitue un <\/span><\/span><\/span><\/span><\/span><\/span><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">outil pr\u00e9cieux pour compl\u00e9ter les revenus<\/span><\/span><\/span><\/span><\/span><\/span><\/strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> issus de l&rsquo;AVS et de la caisse de pension \u00e0 l&rsquo;\u00e2ge de la retraite.<\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n<p><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Les strat\u00e9gies d&rsquo;investissement peuvent \u00eatre adapt\u00e9es en fonction de la dur\u00e9e restante avant la retraite et de votre tol\u00e9rance au risque, avec la possibilit\u00e9 d&rsquo;opter pour des placements plus dynamiques pendant les premi\u00e8res ann\u00e9es d&rsquo;\u00e9pargne puis de <\/span><\/span><\/span><\/span><\/span><\/span><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">s\u00e9curiser progressivement votre capital<\/span><\/span><\/span><\/span><\/span><\/span><\/strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> \u00e0 l&rsquo;approche de la retraite.<\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n<h3><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">R\u00e9alisation de projets de vie<\/span><\/span><\/span><\/span><\/span><\/span><\/h3>\n<p><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">\u00c9tant donn\u00e9 sa flexibilit\u00e9, le 3e pilier b permet de <\/span><\/span><\/span><\/span><\/span><\/span><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">financer vos projets personnels<\/span><\/span><\/span><\/span><\/span><\/span><\/strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> sans restriction d&rsquo;utilisation ni d\u00e9lai d&rsquo;attente.<\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n<p><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Le 3e pilier b vous permet de <\/span><\/span><\/span><\/span><\/span><\/span><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">r\u00e9aliser de nombreux projets personnels<\/span><\/span><\/span><\/span><\/span><\/span><\/strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> .<\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n<ul>\n<li><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Achat immobilier<\/span><\/span><\/span><\/span><\/span><\/span><\/strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> : Constituez un apport pour l&rsquo;acquisition de votre logement.<\/span><\/span><\/span><\/span><\/span><\/span><\/li>\n<li><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Financement des \u00e9tudes<\/span><\/span><\/span><\/span><\/span><\/span><\/strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> : Assurer l&rsquo;avenir de vos enfants en finan\u00e7ant leurs \u00e9tudes.<\/span><\/span><\/span><\/span><\/span><\/span><\/li>\n<li><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Voyages<\/span><\/span><\/span><\/span><\/span><\/span><\/strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> : R\u00e9alisez vos r\u00eaves d&rsquo;\u00e9vasion en \u00e9pargnant pour vos voyages.<\/span><\/span><\/span><\/span><\/span><\/span><\/li>\n<li><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Soutien financier \u00e0 la famille<\/span><\/span><\/span><\/span><\/span><\/span><\/strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> : Prot\u00e9gez vos proches en cas de coup d&rsquo;\u00c9tat dur.<\/span><\/span><\/span><\/span><\/span><\/span><\/li>\n<\/ul>\n<p><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Avec le 3e pilier b, vos <\/span><\/span><\/span><\/span><\/span><\/span><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">objectifs de vie deviennent<\/span><\/span><\/span><\/span><\/span><\/span><\/strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> r\u00e9alit\u00e9.<\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n<h3><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Protection de la famille<\/span><\/span><\/span><\/span><\/span><\/span><\/h3>\n<p><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Les contrats d&rsquo;assurance vie dans le cadre du pilier 3b offrent une <\/span><\/span><\/span><\/span><\/span><\/span><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">protection financi\u00e8re aux proches en cas de d\u00e9c\u00e8s<\/span><\/span><\/span><\/span><\/span><\/span><\/strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> du souscripteur, avec des montants garantis qui peuvent \u00eatre d\u00e9finis lors de la signature du contrat.<\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n<p><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">En mati\u00e8re de planification successorale, le 3e pilier b pr\u00e9sente l&rsquo;avantage consid\u00e9rable de permettre la <\/span><\/span><\/span><\/span><\/span><\/span><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">libre d\u00e9signation des b\u00e9n\u00e9ficiaires<\/span><\/span><\/span><\/span><\/span><\/span><\/strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> dans les limites du droit des successions, ce qui en fait un outil efficace pour la transmission de patrimoine avec une fiscalit\u00e9 potentiellement avantageuse selon les cantons.<\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n<h3><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Investissement immobilier<\/span><\/span><\/span><\/span><\/span><\/span><\/h3>\n<p><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Le capital constitu\u00e9 dans un 3e pilier b peut servir d&rsquo;apport de personnel lors de l&rsquo;achat d&rsquo;un bien immobilier ou <\/span><\/span><\/span><\/span><\/span><\/span><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">\u00eatre investi<\/span><\/span><\/span><\/span><\/span><\/span><\/strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> dans des fonds immobiliers pour diversifier votre portefeuille d&rsquo;investissement.<\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n<p><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Contrairement au 3e pilier a qui permet un retrait anticip\u00e9 uniquement pour l&rsquo;acquisition de sa r\u00e9sidence principale, le pilier 3b <\/span><\/span><\/span><\/span><\/span><\/span><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">autorise l&rsquo;utilisation des fonds<\/span><\/span><\/span><\/span><\/span><\/span><\/strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> pour tout type d&rsquo;investissement immobilier, y compris les r\u00e9sidences secondaires ou les biens locatifs destin\u00e9s au rendement.<\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n<h2 id=\"cas-particuliers\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Cas particuliers : frontaliers et expatri\u00e9s<\/span><\/span><\/span><\/span><\/span><\/span><\/h2>\n<p><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Les travailleurs frontaliers <\/span><\/span><\/span><\/span><\/span><\/span><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">peuvent souscrire un 3e pilier b<\/span><\/span><\/span><\/span><\/span><\/span><\/strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> en Suisse, contrairement au pilier 3a qui est soumis \u00e0 des conditions plus restrictives. Pour les frontaliers int\u00e9ress\u00e9s par le 3e pilier b, il est important de conna\u00eetre les conditions sp\u00e9cifiques. Pour en savoir plus, consultez notre article : <\/span><\/span><\/span><\/span><\/span><\/span><a href=\"https:\/\/conseillerfinanciergeneve.ch\/en\/frontaliers-peuvent-ils-souscrire-3eme-pilier-suisse\/\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Les Frontaliers Peuvent-ils Souscrire un 3\u00e8me Pilier en Suisse ?<\/span><\/span><\/span><\/span><\/span><\/span><\/a><\/p>\n<p><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Le capital accumul\u00e9 dans le cadre du 3e pilier b doit \u00eatre d\u00e9clar\u00e9 annuellement dans votre d\u00e9claration fiscale, mais les <\/span><\/span><\/span><\/span><\/span><\/span><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">modalit\u00e9s d&rsquo;imposition varient<\/span><\/span><\/span><\/span><\/span><\/span><\/strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> selon votre lieu de r\u00e9sidence. Les conventions de double imposition peuvent influencer le traitement fiscal de votre \u00e9pargne, notamment pour les r\u00e9sidents fran\u00e7ais qui travaillent en Suisse. Dans certains cantons comme Gen\u00e8ve, les versements au pilier 3b peuvent b\u00e9n\u00e9ficier d&rsquo;avantages fiscaux qui rendent cette solution particuli\u00e8rement attractive pour les frontaliers.<\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n<h2 id=\"comment-choisir\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Comment choisir son 3e pilier b?<\/span><\/span><\/span><\/span><\/span><\/span><\/h2>\n<h3><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Crit\u00e8res de s\u00e9lection d&rsquo;un produit 3e pilier b<\/span><\/span><\/span><\/span><\/span><\/span><\/h3>\n<p><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Avant de souscrire un 3e pilier b, plusieurs crit\u00e8res sont \u00e0 consid\u00e9rer comme le <\/span><\/span><\/span><\/span><\/span><\/span><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">potentiel de rendement, frais, accessibilit\u00e9<\/span><\/span><\/span><\/span><\/span><\/span><\/strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> aux fonds et <a href=\"https:\/\/conseillerfinanciergeneve.ch\/en\/prendre-rendez-vous\/\">profiter d&rsquo;un bilan patrimonial avec un de nos conseillers pour vous aider<\/a>.<\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n<p><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Le choix d&rsquo;un produit de pr\u00e9voyance priv\u00e9e doit \u00eatre align\u00e9 avec votre situation personnelle et vos objectifs \u00e0 long terme. En mati\u00e8re de 3e pilier b, les solutions varient consid\u00e9rablement selon votre \u00e2ge et votre app\u00e9tence au risque, ce qui implique une <\/span><\/span><\/span><\/span><\/span><\/span><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">\u00e9valuation d\u00e9taill\u00e9e de vos besoins<\/span><\/span><\/span><\/span><\/span><\/span><\/strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> actuels et futurs. La dur\u00e9e du contrat constitue \u00e9galement un facteur d\u00e9terminant, puisque certains \u00e9tablissements imposent une p\u00e9riode minimale d&rsquo;engagement, tandis que d&rsquo;autres offrent davantage de souplesse.<\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n<h3><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Banque ou assurance : que choisir?<\/span><\/span><\/span><\/span><\/span><\/span><\/h3>\n<p><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Les solutions bancaires et les offres d&rsquo;assurance pr\u00e9sentent des caract\u00e9ristiques distinctes en termes de <\/span><\/span><\/span><\/span><\/span><\/span><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">flexibilit\u00e9 des versements et de protection du capital<\/span><\/span><\/span><\/span><\/span><\/span><\/strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> .<\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n<p><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Les assurances vie du 3e pilier b offrent une dimension de <\/span><\/span><\/span><\/span><\/span><\/span><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">protection contre les risques de d\u00e9c\u00e8s ou d&rsquo;invalidit\u00e9<\/span><\/span><\/span><\/span><\/span><\/span><\/strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> que les comptes bancaires ne proposent pas. \u00c0 l&rsquo;inverse, les banques mettent souvent en avant des frais moins \u00e9lev\u00e9s et parfois des possibilit\u00e9s de rendement plus attractives pour votre capital.<\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n<h3><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Profil de risque et horizon d&rsquo;investissement<\/span><\/span><\/span><\/span><\/span><\/span><\/h3>\n<p><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">L&rsquo;\u00e9valuation de votre tol\u00e9rance au risque reste une <\/span><\/span><\/span><\/span><\/span><\/span><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">\u00e9tape fondamentale<\/span><\/span><\/span><\/span><\/span><\/span><\/strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> pour d\u00e9terminer le type de placement adapt\u00e9 dans le cadre de votre pr\u00e9voyance priv\u00e9e.<\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n<p><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">L&rsquo;horizon temporel<\/span><\/span><\/span><\/span><\/span><\/span><\/strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> de votre investissement influe directement sur la strat\u00e9gie \u00e0 adopter. Pour un jeune \u00e9pargnant avec plusieurs d\u00e9cennies devant lui, les placements orient\u00e9s vers la croissance peuvent s&rsquo;av\u00e9rer judicieux malgr\u00e9 leur pr\u00e9f\u00e9rence, tandis qu&rsquo;\u00e0 l&rsquo;approche de la retraite, une s\u00e9curisation progressive du capital devient g\u00e9n\u00e9ralement prioritaire.<\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n<h3><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Frais et rendements<\/span><\/span><\/span><\/span><\/span><\/span><\/h3>\n<p><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">L&rsquo;impact des frais sur la performance globale de votre pilier est souvent sous-estim\u00e9 alors qu&rsquo;il peut <\/span><\/span><\/span><\/span><\/span><\/span><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">r\u00e9duire significativement le capital final<\/span><\/span><\/span><\/span><\/span><\/span><\/strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> apr\u00e8s plusieurs ann\u00e9es.<\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n<p><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">L&rsquo;analyse des rendements historiques constitue un indicateur utile mais reste insuffisant pour pr\u00e9dire les performances futures. Certains contrats d&rsquo;assurance vie mixtes offrent un taux garanti minimal, alors que les solutions plus dynamiques comme les fonds de placement pr\u00e9sentent un <\/span><\/span><\/span><\/span><\/span><\/span><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">potentiel de gain sup\u00e9rieur mais sans garantie de capital<\/span><\/span><\/span><\/span><\/span><\/span><\/strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> .<\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n<p><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Le 3e pilier b se r\u00e9v\u00e8le comme un outil pr\u00e9cieux dans votre strat\u00e9gie de pr\u00e9voyance priv\u00e9e en Suisse, gr\u00e2ce \u00e0 sa remarquable flexibilit\u00e9 et ses multiples possibilit\u00e9s d&rsquo;utilisation. Cette solution d&rsquo;\u00e9pargne libre permet de r\u00e9pondre \u00e0 divers objectifs de vie tout en offrant certains avantages fiscaux, particuli\u00e8rement dans les cantons de Gen\u00e8ve et Fribourg. \u00c9tant donn\u00e9 que les rentes des 1er et 2e piliers ne couvriront qu&rsquo;environ 55% de votre dernier revenu, le moment est venu d&rsquo;envisager ce <\/span><\/span><\/span><\/span><\/span><\/span><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">compl\u00e9ment d&rsquo;\u00e9pargne pour assurer<\/span><\/span><\/span><\/span><\/span><\/span><\/strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> sereinement votre avenir financier.<\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n<h2><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">FAQ<\/span><\/span><\/span><\/span><\/span><\/span><\/h2>\n<h3><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Comment le 3e pilier B est-il impos\u00e9 en cas de divorce ?<\/span><\/span><\/span><\/span><\/span><\/span><\/h3>\n<p><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Concernant le <\/span><\/span><\/span><\/span><\/span><\/span><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">3e pilier B (pr\u00e9voyance libre)<\/span><\/span><\/span><\/span><\/span><\/span><\/strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> , il n&rsquo;existe pas de r\u00e8gle particuli\u00e8re relative au divorce. Le juge se basera sur le <\/span><\/span><\/span><\/span><\/span><\/span><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">statut matrimonial<\/span><\/span><\/span><\/span><\/span><\/span><\/strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> choisi au moment du mariage. Dans le cas d&rsquo;un contrat de mariage avec s\u00e9paration de biens, le 3e pilier n&rsquo;est pas soumis au partage et reste la propri\u00e9t\u00e9 de chacun des \u00e9poux.<\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n<p><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Si le r\u00e9gime matrimonial est la participation aux acqu\u00eats, le juge peut tenir compte de la valeur de rachat ou des primes vers\u00e9es pendant le mariage. En cas de communaut\u00e9 de biens, l&rsquo;\u00e9pargne accumul\u00e9e doit \u00eatre partag\u00e9e entre les deux conjoints, sauf stipulation contraire dans le contrat de mariage.<\/span><\/span><\/p>\n<h3><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Comment transf\u00e9rer un 3e pilier B vers un autre \u00e9tablissement ?<\/span><\/span><\/h3>\n<p><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Il est possible de <\/span><\/span><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">transf\u00e9rer la totalit\u00e9 des fonds<\/span><\/span><\/strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> d&rsquo;un 3e pilier B vers un autre compte d&rsquo;\u00e9pargne bancaire ou une autre police d&rsquo;assurance. Ce transfert n&rsquo;entra\u00eene <\/span><\/span><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">aucune perte ni imposition<\/span><\/span><\/strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> . Il faut simplement fournir l&rsquo;attestation de la nouvelle institution de pr\u00e9voyance. Il est impossible de transf\u00e9rer le 3e pilier sur un compte ou une police de libre passage.<\/span><\/span><\/p>\n<p><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Pour transf\u00e9rer votre 3e pilier B, il est conseill\u00e9 de <\/span><\/span><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">comparer les offres<\/span><\/span><\/strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> des diff\u00e9rentes institutions financi\u00e8res et de choisir celle qui correspond le mieux \u00e0 vos besoins et \u00e0 votre situation. Il est important de tenir compte des frais de gestion, des rendements potentiels et des conditions de retrait.<\/span><\/span><\/p>\n<h3><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Le 3e pilier B est-il saisissable en cas de dettes ?<\/span><\/span><\/h3>\n<p><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">La saisiessabilit\u00e9 du <\/span><\/span><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">3e pilier B en cas de dettes<\/span><\/span><\/strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> d\u00e9pend de sa forme. Si le 3e pilier est li\u00e9 \u00e0 une banque (3a banque), le capital est saisissable. Cependant, si le 3e pilier est une assurance 3A ou 3B, il est g\u00e9n\u00e9ralement <\/span><\/span><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">prot\u00e9g\u00e9 contre la saisie<\/span><\/span><\/strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> , \u00e0 condition que le contrat d&rsquo;assurance soit valide.<\/span><\/span><\/p>\n<p><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">En cas de difficult\u00e9s financi\u00e8res caract\u00e9ristiques du paiement du 3e pilier assurance, le contrat devient passif, mais n&rsquo;est pas r\u00e9sili\u00e9. Les int\u00e9r\u00eats continuent d&rsquo;\u00eatre vers\u00e9s, mais le capital ne peut \u00eatre retir\u00e9 qu&rsquo;\u00e0 l&rsquo;\u00e2ge l\u00e9gal de la retraite, et la couverture d\u00e9c\u00e8s ou invalidit\u00e9 est suspendue. Il est conseill\u00e9 de n\u00e9gocier une r\u00e9duction temporaire de prime avec l&rsquo;assureur.<\/span><\/span><\/p>\n<h3><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Comment optimiser la succession avec le 3e pilier B ?<\/span><\/span><\/h3>\n<p><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">The <\/span><\/span><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">3e pilier B offre une grande flexibilit\u00e9<\/span><\/span><\/strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> dans la planification successorale. Contrairement au 3e pilier A, il n&rsquo;y a pas d&rsquo;ordre l\u00e9galement impos\u00e9 pour les b\u00e9n\u00e9ficiaires. Le preneur d&rsquo;assurance peut <\/span><\/span><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">d\u00e9signer librement les b\u00e9n\u00e9ficiaires<\/span><\/span><\/strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> de son choix, que ce soit le conjoint, un enfant en particulier, un ami, ou toute autre personne.<\/span><\/span><\/p>\n<p><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">En cas de d\u00e9c\u00e8s, le capital du 3e pilier B est transmis aux b\u00e9n\u00e9ficiaires d\u00e9sign\u00e9s par le preneur d&rsquo;assurance. Il est important de noter que la clause b\u00e9n\u00e9ficiaire peut \u00eatre modifi\u00e9e \u00e0 tout moment, ce qui permet d&rsquo;adapter la planification successorale en fonction de l&rsquo;\u00e9volution de la situation personnelle et familiale. Il est recommand\u00e9 de consulter un expert en planification successorale.<\/span><\/span><\/p>\n<h3><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Quelle est la diff\u00e9rence entre assurance vie li\u00e9e et libre 3b ?<\/span><\/span><\/h3>\n<p><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Le pilier 3a est une <\/span><\/span><\/span><\/span><\/span><\/span><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">pr\u00e9voyance li\u00e9e<\/span><\/span><\/span><\/span><\/span><\/span><\/strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> , tandis que le pilier 3b est une <\/span><\/span><\/span><\/span><\/span><\/span><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">pr\u00e9voyance libre<\/span><\/span><\/span><\/span><\/span><\/span><\/strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> . Le pilier 3a est soumis \u00e0 conditions et offre des avantages fiscaux, alors que le pilier 3b est plus flexible. Le pilier 3a est principalement destin\u00e9 \u00e0 \u00e9pargner pour la retraite et au financement d&rsquo;un logement en propri\u00e9t\u00e9 \u00e0 des conditions fiscalement avantageuses.<\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n<p><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Le pilier 3b aide \u00e0 r\u00e9aliser des objectifs d&rsquo;\u00e9pargne personnelle, comme l&rsquo;achat d&rsquo;une maison. Le pilier 3a a un montant maximal de versement par an, contrairement au pilier 3b qui n&rsquo;a pas de montant maximal. Les primes vers\u00e9es dans le pilier 3a sont d\u00e9duites du revenu imposable, offrant ainsi des avantages fiscaux directs. Les avantages fiscaux du pilier 3b sont limit\u00e9s.<\/span><\/span><\/span><\/span><\/span><\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>Pr\u00e9parer sa retraite en Suisse peut sembler complexe quand on d\u00e9couvre la diversit\u00e9 des solutions d&rsquo;\u00e9pargne disponibles. Le troisi\u00e8me pilier b se distingue par sa flexibilit\u00e9 et l&rsquo;absence de plafond pour les versements. Cette \u00e9pargne libre permet de constituer un capital compl\u00e9mentaire pour la retraite tout en offrant des avantages fiscaux dans certains cantons comme [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3620,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[],"class_list":["post-3621","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investissements"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>3e Pilier B : \u00c9pargne Flexible, Objectifs de Vie &amp; Fiscalit\u00e9<\/title>\n<meta name=\"description\" content=\"Tout savoir sur le 3e pilier b en Suisse : flexibilit\u00e9, avantages fiscaux (Gen\u00e8ve, Fribourg), et comment il compl\u00e8te votre pr\u00e9voyance vieillesse.\" \/>\n<meta name=\"robots\" content=\"index, follow, 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