{"id":130555,"date":"2025-12-17T14:01:10","date_gmt":"2025-12-17T13:01:10","guid":{"rendered":"https:\/\/swissbaker.ch\/?p=130555"},"modified":"2025-12-17T14:54:59","modified_gmt":"2025-12-17T13:54:59","slug":"bien-preparer-sa-retraite","status":"publish","type":"post","link":"https:\/\/swissbaker.ch\/fr\/panissimo-news\/bien-preparer-sa-retraite\/","title":{"rendered":"Bien pr\u00e9parer sa retraite"},"content":{"rendered":"\n<p><strong>La retraite est un sujet auquel on pense souvent trop tard. Il est pourtant essentiel de l\u2019anticiper m\u00eame si la marge de man\u0153uvre para\u00eet faible pour le premier et le deuxi\u00e8me pilier.<\/strong><\/p>\n\n\n\n<p>En Suisse, on cotise d\u00e8s 18 ans pour l\u2019AVS (1<sup>er<\/sup> pilier) et d\u00e8s 25 ans pour la LPP (2e pilier). Le montant \u00e9pargn\u00e9 dans la LPP repr\u00e9sente l\u2019avoir de vieillesse constitu\u00e9 par les cotisations et celles de l\u2019employeur, avec int\u00e9r\u00eats.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-rente-ou-capital-quelles-differences\">Rente ou capital: quelles diff\u00e9rences?<\/h2>\n\n\n\n<p>Au moment de la retraite, trois options se pr\u00e9sentent:<br><strong>rente: <\/strong>l\u2019avoir de vieillesse est converti en revenu mensuel \u00e0 vie selon un taux de conversion\u2009;<br><strong>capital:<\/strong> la totalit\u00e9 peut \u00eatre retir\u00e9e en une fois pour en disposer librement\u2009;<br><strong>formule mixte: <\/strong>l\u2019avoir de vieillesse est per\u00e7u en partie sous forme<br>de rente et le solde en capital.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th><\/th><th>Rente<\/th><th>Capital<\/th><\/tr><\/thead><tbody><tr><td><strong>Fiscalit\u00e9<\/strong><\/td><td>La rente est impos\u00e9e comme un revenu ordinaire chaque ann\u00e9e<\/td><td>Le capital est impos\u00e9 lors de son retrait \u00e0 un taux r\u00e9duit et par la suite il est d\u00e9clar\u00e9 en tant que fortune<\/td><\/tr><tr><td><strong>Succession<\/strong><\/td><td>La rente de survivant est limit\u00e9e<\/td><td>Le capital restant fait partie de la masse successorale<\/td><\/tr><tr><td><strong>Flexibilit\u00e9<\/strong><\/td><td>Faible<\/td><td>Totale (retraits, placements, donations, etc.)<\/td><\/tr><tr><td><strong>Protection du conjoint<\/strong><\/td><td>Rente de survivant pr\u00e9vue (environ 60\u202f%)<\/td><td>D\u00e9pend des dispositions prises<\/td><\/tr><tr><td><strong>Conditions<\/strong><\/td><td>Choix par d\u00e9faut<\/td><td>Doit \u00eatre demand\u00e9 selon le r\u00e8glement<br>de la caisse de pension avec l\u2019accord du conjoint<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-les-bonnes-questions-a-se-poser\">Les bonnes questions \u00e0 se poser<\/h2>\n\n\n\n<p>Le choix d\u00e9pend avant tout des besoins et des projets. Pour mieux<br>les cerner, trois axes sont essentiels\u2009:<\/p>\n\n\n\n<p><strong>1.\u2002Les souhaits et la situation personnelle<\/strong><br>Un legs \u00e0 des proches est pr\u00e9vu\u2009? R\u00e9aliser des projets personnels\u2009?<br>Maintenir le niveau de vie\u2009? Quel est l\u2019\u00e9tat de sant\u00e9 de l\u2019int\u00e9ress\u00e9<br>et de ses proches\u2009?<\/p>\n\n\n\n<p><strong>2.\u2002La situation financi\u00e8re<br><\/strong>Quelle sera la rente totale (AVS + LPP)\u2009? Combien est-il possible<br>de retirer\u2009? D\u2019autres sources de revenus ou d\u2019autres avoirs sont-ils<br>\u00e0 disposition\u2009?<\/p>\n\n\n\n<p><strong>3.\u2002Les r\u00e8gles de la caisse de pension<\/strong><br>Permet-elle le retrait partiel\u2009? Quel est le taux de conversion\u2009? Quel est<br>le d\u00e9lai pour annoncer un retrait\u2009? Le conjoint ou concubin b\u00e9n\u00e9ficie-t-il d\u2019une rente en cas de d\u00e9c\u00e8s\u2009?<br><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-en-resume\">En r\u00e9sum\u00e9<\/h2>\n\n\n\n<p>Il n\u2019existe pas de bon ou de mauvais choix\u2009: tout d\u00e9pend de la situation, des besoins et de la tol\u00e9rance au risque. La rente rassure et garantit la stabilit\u00e9. Le capital offre davantage de libert\u00e9 mais demande une gestion rigoureuse. C\u2019est pour cela qu\u2019il est recommand\u00e9 de se faire accompagner par un professionnel afin d\u2019\u00e9viter toute mauvaise surprise. SBC Fiduciaire SA analyse la pr\u00e9voyance de chacun et les aide \u00e0 trouver la solution la plus adapt\u00e9e \u00e0 leurs besoins. <\/p>\n\n\n\n<p class=\"has-text-align-right\"><em>Nathana\u00ebl Barilier,<br>collaborateur sp\u00e9cialis\u00e9 SBC Fiduciaire, Pully (VD)<\/em><br><em><sup>Photo: Adobe.stock<\/sup><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>La retraite est un sujet auquel on pense souvent trop tard. Il est pourtant essentiel de l\u2019anticiper m\u00eame si la marge de man\u0153uvre para\u00eet faible pour le premier et le deuxi\u00e8me pilier.<\/p>\n","protected":false},"author":5,"featured_media":130542,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[54],"tags":[],"class_list":["post-130555","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-conseils"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.8 (Yoast SEO v26.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Bien pr\u00e9parer sa retraite | SBC<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/swissbaker.ch\/fr\/panissimo-news\/bien-preparer-sa-retraite\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bien pr\u00e9parer sa retraite\" \/>\n<meta property=\"og:description\" content=\"La retraite est un sujet auquel on pense souvent trop tard. 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