{"id":3067,"date":"2025-05-02T10:29:40","date_gmt":"2025-05-02T09:29:40","guid":{"rendered":"https:\/\/inter-pension.ch\/?page_id=3067"},"modified":"2025-10-15T09:52:19","modified_gmt":"2025-10-15T08:52:19","slug":"die-berufliche-vorsorge","status":"publish","type":"page","link":"https:\/\/inter-pension.ch\/fr\/die-berufliche-vorsorge\/","title":{"rendered":"La pr\u00e9voyance professionnelle"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"3067\" class=\"elementor elementor-3067\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9530c37 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9530c37\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-5331769\" data-id=\"5331769\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-51d81da elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"51d81da\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">La pr\u00e9voyance professionnelle nous concerne toutes <span>et tous<\/span><\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5645e95 elementor-widget elementor-widget-text-editor\" data-id=\"5645e95\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>S\u00e9curit\u00e9 \u00e0 la retraite. Protection en cas de maladie. Soutien pour votre famille. La pr\u00e9voyance professionnelle est un pilier essentiel de notre coh\u00e9sion sociale.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f8bf1e3 elementor-widget elementor-widget-text-editor\" data-id=\"f8bf1e3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Ce qui peut sembler \u00eatre une question purement administrative pour beaucoup est en r\u00e9alit\u00e9 un bouclier qui nous prot\u00e8ge toutes et tous. La pr\u00e9voyance professionnelle est un partenaire fiable tout au long de la vie \u2013 elle garantit des revenus, assure la stabilit\u00e9 et apporte son soutien en cas de coup dur.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-8844837\" data-id=\"8844837\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-73d81fc elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"73d81fc\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-15d13bf my-sticky-inner-section\" data-id=\"15d13bf\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cea1d18 elementor-widget elementor-widget-image\" data-id=\"cea1d18\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;sticky&quot;:&quot;top&quot;,&quot;sticky_parent&quot;:&quot;yes&quot;,&quot;sticky_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;,&quot;mobile&quot;],&quot;sticky_offset&quot;:0,&quot;sticky_effects_offset&quot;:0,&quot;sticky_anchor_link_offset&quot;:0}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"2560\" height=\"1707\" src=\"https:\/\/inter-pension.ch\/wp-content\/uploads\/2025\/06\/AdobeStock_228547304-min-scaled.jpeg\" class=\"attachment-full size-full wp-image-3629\" alt=\"\" srcset=\"https:\/\/inter-pension.ch\/wp-content\/uploads\/2025\/06\/AdobeStock_228547304-min-scaled.jpeg 2560w, https:\/\/inter-pension.ch\/wp-content\/uploads\/2025\/06\/AdobeStock_228547304-min-300x200.jpeg 300w, https:\/\/inter-pension.ch\/wp-content\/uploads\/2025\/06\/AdobeStock_228547304-min-1024x683.jpeg 1024w, https:\/\/inter-pension.ch\/wp-content\/uploads\/2025\/06\/AdobeStock_228547304-min-768x512.jpeg 768w, https:\/\/inter-pension.ch\/wp-content\/uploads\/2025\/06\/AdobeStock_228547304-min-1536x1024.jpeg 1536w, https:\/\/inter-pension.ch\/wp-content\/uploads\/2025\/06\/AdobeStock_228547304-min-2048x1365.jpeg 2048w, https:\/\/inter-pension.ch\/wp-content\/uploads\/2025\/06\/AdobeStock_228547304-min-18x12.jpeg 18w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-a60613d\" data-id=\"a60613d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b285cd0 elementor-widget elementor-widget-heading\" data-id=\"b285cd0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>.elementor-element-b285cd0{display:none !important}<\/style>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a4222cf elementor-widget elementor-widget-text-editor\" data-id=\"a4222cf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u00a0Un accident, une maladie ou l\u2019\u00e2ge de la retraite \u2013 nous avons toutes et tous besoin de soutien \u00e0 un moment donn\u00e9 de notre vie. La pr\u00e9voyance professionnelle veille \u00e0 ce que notre revenu soit garanti \u2013 pour nous et pour notre famille.<\/p><p>Elle ne fait pas seulement partie du monde du travail, mais aussi de notre projet de vie.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1c51dda counter_item_left_align elementor-widget elementor-widget-counter\" data-id=\"1c51dda\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"counter.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t<div class=\"elementor-counter-title\">de personnes sont assur\u00e9es par le 2e pilier en Suisse<\/div>\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\">&gt; <\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"2000\" data-to-value=\"4\" data-from-value=\"0\" data-delimiter=\",\">0<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\"> Millions<\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a0bbbfc counter_item_left_align elementor-widget elementor-widget-counter\" data-id=\"a0bbbfc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"counter.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t<div class=\"elementor-counter-title\">sont investis en Suisse dans le 2e pilier<\/div>\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\">&gt; <\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"2000\" data-to-value=\"1\" data-from-value=\"0\" data-delimiter=\",\">0<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\"> Billion<\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a6d0985 elementor-widget elementor-widget-text-editor\" data-id=\"a6d0985\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Ces chiffres soulignent l\u2019importance centrale de la pr\u00e9voyance professionnelle pour la s\u00e9curit\u00e9 financi\u00e8re en Suisse.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-eb4373f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"eb4373f\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-154eb52\" data-id=\"154eb52\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3f52318 elementor-widget elementor-widget-heading\" data-id=\"3f52318\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Le syst\u00e8me des 3 piliers en Suisse (explication simple)<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0744730 elementor-widget elementor-widget-text-editor\" data-id=\"0744730\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La s\u00e9curit\u00e9 sociale en Suisse repose sur le principe \u00e9prouv\u00e9 des trois piliers. Ce syst\u00e8me garantit une protection financi\u00e8re en cas de vieillesse, d\u2019invalidit\u00e9 ou de d\u00e9c\u00e8s d\u2019un proche.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-5a41a37 elementor-section-full_width elementor-section-content-top elementor-reverse-mobile elementor-section-height-default elementor-section-height-default\" data-id=\"5a41a37\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-2790252\" data-id=\"2790252\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d14084a elementor-widget elementor-widget-text-editor\" data-id=\"d14084a\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"text1\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h5>1er pilier \u2013 AVS\/AI (pr\u00e9voyance \u00e9tatique)<\/h5><p>L\u2019assurance-vieillesse et survivants (AVS) ainsi que l\u2019assurance-invalidit\u00e9 (AI) constituent la base de la s\u00e9curit\u00e9 sociale. Elles visent \u00e0 couvrir le minimum vital. Le 1er pilier est obligatoire pour toutes et tous et est financ\u00e9 selon le principe de la r\u00e9partition. Outre les cotisations des salari\u00e9\u00b7e\u00b7s et des employeurs, les pouvoirs publics contribuent \u00e9galement au financement des rentes de vieillesse. Ces subventions, financ\u00e9es par les recettes fiscales, repr\u00e9sentent environ un quart des recettes totales de l\u2019AVS. En plus des recettes provenant de la TVA et des taxes sur les maisons de jeu, la Conf\u00e9d\u00e9ration apporte une contribution essentielle.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9da7b5e elementor-widget elementor-widget-spacer\" data-id=\"9da7b5e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-67ac97d elementor-widget elementor-widget-text-editor\" data-id=\"67ac97d\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"text2\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h5>2e pilier \u2013 Pr\u00e9voyance professionnelle (LPP):<\/h5><p>Elle compl\u00e8te les prestations du 1er pilier afin de permettre le maintien du niveau de vie habituel apr\u00e8s le d\u00e9part \u00e0 la retraite. Le 2e pilier est financ\u00e9 selon le principe de la capitalisation: les cotisations des employeurs et des salari\u00e9\u00b7e\u00b7s ne sont pas utilis\u00e9es directement pour le versement des rentes aux retrait\u00e9s, comme c\u2019est le cas pour l\u2019AVS. Elles sont investies dans des titres, de l\u2019immobilier, etc., ce qui g\u00e9n\u00e8re des int\u00e9r\u00eats. Ainsi, l\u2019avoir de vieillesse des assur\u00e9\u00b7e\u00b7s augmente consid\u00e9rablement au fil des ann\u00e9es, ce qui permet d\u2019offrir de meilleures prestations.<\/p><p>Le deuxi\u00e8me pilier est la cl\u00e9 d'une pr\u00e9voyance durable pour les personnes actives et constitue ainsi le pilier central de notre syst\u00e8me.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-42c2f6a elementor-widget elementor-widget-spacer\" data-id=\"42c2f6a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9b9a8c5 elementor-widget elementor-widget-text-editor\" data-id=\"9b9a8c5\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"text3\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h5>3e pilier \u2013 Pr\u00e9voyance priv\u00e9e:<\/h5><p>Elle est facultative et permet des compl\u00e9ments individuels aux premier et deuxi\u00e8me piliers. La pr\u00e9voyance li\u00e9e (pilier 3a) offre des avantages fiscaux. La pr\u00e9voyance libre (pilier 3b) est flexible, mais non fiscalement privil\u00e9gi\u00e9e. Le 3e pilier est \u00e9galement organis\u00e9 selon le principe de la capitalisation. Toutefois, comme il est volontaire, les employeurs n\u2019y participent pas.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-365054b\" data-id=\"365054b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b77bb27 elementor-widget elementor-widget-image\" data-id=\"b77bb27\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;sticky&quot;:&quot;top&quot;,&quot;sticky_parent&quot;:&quot;yes&quot;,&quot;sticky_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;,&quot;mobile&quot;],&quot;sticky_offset&quot;:0,&quot;sticky_effects_offset&quot;:0,&quot;sticky_anchor_link_offset&quot;:0}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"481\" src=\"https:\/\/inter-pension.ch\/wp-content\/uploads\/2025\/06\/fr_grafik.png\" class=\"attachment-large size-large wp-image-3233\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-42586ad elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"42586ad\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f96323b\" data-id=\"f96323b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-37e7291 elementor-widget elementor-widget-heading\" data-id=\"37e7291\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Un syst\u00e8me en mutation<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-ee76471 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"ee76471\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-da85a63\" data-id=\"da85a63\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f6c3127 elementor-widget elementor-widget-text-editor\" data-id=\"f6c3127\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Notre soci\u00e9t\u00e9 est en pleine transformation : nous vivons plus longtemps, travaillons de mani\u00e8re plus flexible et avons des parcours professionnels vari\u00e9s. Parall\u00e8lement, les co\u00fbts et les attentes augmentent.<br \/><br \/>Pour que le syst\u00e8me de pr\u00e9voyance reste viable \u00e0 l\u2019avenir, il faut des mod\u00e8les \u00e9quitables, ind\u00e9pendants et durables \u2013 comme ceux d\u00e9j\u00e0 mis en \u0153uvre par de nombreuses institutions collectives et communes, qui proposent des solutions pincipalement aux PME.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5985888 elementor-widget elementor-widget-heading\" data-id=\"5985888\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Nous n'avons jamais pass\u00e9 autant de temps \u00e0 la retraite qu'aujourd'hui.<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-7b2a42b\" data-id=\"7b2a42b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-9434bed elementor-hidden-mobile elementor-widget elementor-widget-bar_google_chart\" data-id=\"9434bed\" data-element_type=\"widget\" data-e-type=\"widget\" data-no-translation=\"\" data-widget_type=\"bar_google_chart.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>.elementor-element-9434bed{display:none !important}<\/style>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-083d232 elementor-hidden-mobile elementor-widget elementor-widget-bar_google_chart\" data-id=\"083d232\" data-element_type=\"widget\" data-e-type=\"widget\" data-no-translation=\"\" data-widget_type=\"bar_google_chart.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"\">\n\t<div>\n\t\t\n\t\t\t<\/div>\n\t\n<div class=\"chart-box\">\n\t<div class=\"google-chart-texture\">\n\t\t<p>No Data Found<\/p>\n\t<\/div>\n\t<div class=\"graphina-google-chart\"\n\t\tdata-chart_type=\"bar_google\"\n\t\tdata-chart_type_static=\"BarChart\"\n\t\tdata-element_id=\"083d232\"\n\t\tdata-chart_options='{&quot;titleTextStyle&quot;:{&quot;fontName&quot;:&quot;Bricolage Grotesque&quot;,&quot;color&quot;:&quot;&quot;,&quot;fontSize&quot;:&quot;&quot;},&quot;chartArea&quot;:{&quot;left&quot;:&quot;10%&quot;,&quot;right&quot;:&quot;5%&quot;},&quot;height&quot;:350,&quot;chartType&quot;:&quot;&quot;,&quot;series&quot;:[{&quot;lineWidth&quot;:2,&quot;lineDashStyle&quot;:null,&quot;pointShow&quot;:false,&quot;pointSize&quot;:null,&quot;pointShape&quot;:null,&quot;targetAxisIndex&quot;:0},{&quot;lineWidth&quot;:2,&quot;lineDashStyle&quot;:null,&quot;pointShow&quot;:false,&quot;pointSize&quot;:null,&quot;pointShape&quot;:null,&quot;targetAxisIndex&quot;:0},{&quot;lineWidth&quot;:2,&quot;lineDashStyle&quot;:null,&quot;pointShow&quot;:false,&quot;pointSize&quot;:null,&quot;pointShape&quot;:null,&quot;targetAxisIndex&quot;:0},{&quot;lineWidth&quot;:2,&quot;lineDashStyle&quot;:null,&quot;pointShow&quot;:false,&quot;pointSize&quot;:null,&quot;pointShape&quot;:null,&quot;targetAxisIndex&quot;:0},{&quot;lineWidth&quot;:2,&quot;lineDashStyle&quot;:null,&quot;pointShow&quot;:false,&quot;pointSize&quot;:null,&quot;pointShape&quot;:null,&quot;targetAxisIndex&quot;:0},{&quot;lineWidth&quot;:2,&quot;lineDashStyle&quot;:null,&quot;pointShow&quot;:false,&quot;pointSize&quot;:null,&quot;pointShape&quot;:null,&quot;targetAxisIndex&quot;:0},{&quot;lineWidth&quot;:2,&quot;lineDashStyle&quot;:null,&quot;pointShow&quot;:false,&quot;pointSize&quot;:null,&quot;pointShape&quot;:null,&quot;targetAxisIndex&quot;:0}],&quot;tooltip&quot;:{&quot;showColorCode&quot;:true,&quot;textStyle&quot;:{&quot;color&quot;:&quot;black&quot;},&quot;trigger&quot;:&quot;focus&quot;},&quot;backgroundColor&quot;:&quot;&quot;,&quot;colors&quot;:[&quot;#B3B3B3&quot;,&quot;#929292&quot;,&quot;#D5D87A&quot;,&quot;#EEEEEE&quot;,&quot;#A1A53C&quot;,&quot;#E9E9E9&quot;,&quot;#D1D651&quot;],&quot;legend&quot;:{&quot;position&quot;:&quot;bottom&quot;,&quot;textStyle&quot;:{&quot;fontSize&quot;:10,&quot;color&quot;:&quot;black&quot;},&quot;alignment&quot;:&quot;center&quot;},&quot;annotations&quot;:{&quot;stemColor&quot;:&quot;&quot;,&quot;textStyle&quot;:{&quot;fontName&quot;:&quot;Bricolage Grotesque&quot;,&quot;fontSize&quot;:&quot;&quot;,&quot;color&quot;:&quot;&quot;,&quot;auraColor&quot;:&quot;&quot;,&quot;opacity&quot;:&quot;&quot;}},&quot;isStacked&quot;:&quot;absolute&quot;,&quot;animation&quot;:{&quot;startup&quot;:true,&quot;duration&quot;:800,&quot;easing&quot;:&quot;linear&quot;},&quot;hAxis&quot;:{&quot;format&quot;:&quot;long&quot;,&quot;slantedText&quot;:false,&quot;slantedTextAngle&quot;:&quot;&quot;,&quot;direction&quot;:1,&quot;title&quot;:&quot;&quot;,&quot;titleTextStyle&quot;:{&quot;fontName&quot;:&quot;Bricolage Grotesque&quot;,&quot;color&quot;:&quot;&quot;,&quot;fontSize&quot;:&quot;&quot;},&quot;textStyle&quot;:{&quot;fontName&quot;:&quot;Bricolage Grotesque&quot;,&quot;color&quot;:&quot;#000000&quot;,&quot;fontSize&quot;:11},&quot;scaleType&quot;:&quot;&quot;,&quot;textPosition&quot;:&quot;out&quot;,&quot;gridlines&quot;:{&quot;color&quot;:&quot;#cccccc&quot;,&quot;count&quot;:4}},&quot;vAxis&quot;:{&quot;viewWindowMode&quot;:&quot;explicit&quot;,&quot;viewWindow&quot;:{&quot;max&quot;:&quot;&quot;,&quot;min&quot;:&quot;&quot;},&quot;direction&quot;:1,&quot;title&quot;:&quot;Donn\\u00e9es en pourcentage (%)&quot;,&quot;logScale&quot;:&quot;&quot;,&quot;scaleType&quot;:&quot;&quot;,&quot;titleTextStyle&quot;:{&quot;fontName&quot;:&quot;Bricolage Grotesque&quot;,&quot;color&quot;:&quot;#000000&quot;,&quot;fontSize&quot;:12},&quot;textStyle&quot;:{&quot;fontName&quot;:&quot;Bricolage Grotesque&quot;,&quot;color&quot;:&quot;#000000&quot;,&quot;fontSize&quot;:11},&quot;textPosition&quot;:&quot;out&quot;,&quot;format&quot;:&quot;long&quot;,&quot;baselineColor&quot;:&quot;#cccccc&quot;,&quot;gridlines&quot;:{&quot;color&quot;:&quot;#cccccc&quot;,&quot;count&quot;:4}},&quot;bar&quot;:{&quot;groupWidth&quot;:20}}'\n\t\tdata-chart_data='{&quot;columns&quot;:[{&quot;type&quot;:&quot;string&quot;,&quot;label&quot;:&quot;Category&quot;},{&quot;type&quot;:&quot;number&quot;,&quot;label&quot;:&quot;Enfance&quot;},{&quot;type&quot;:&quot;number&quot;,&quot;label&quot;:&quot;\\u00c9cole &amp; formation&quot;},{&quot;type&quot;:&quot;number&quot;,&quot;label&quot;:&quot;Universit\\u00e9&quot;},{&quot;type&quot;:&quot;number&quot;,&quot;label&quot;:&quot;Autres&quot;},{&quot;type&quot;:&quot;number&quot;,&quot;label&quot;:&quot;Vie active&quot;},{&quot;type&quot;:&quot;number&quot;,&quot;label&quot;:&quot;Week-ends &amp; f\\u00eates&quot;},{&quot;type&quot;:&quot;number&quot;,&quot;label&quot;:&quot;Retraite&quot;}],&quot;rows&quot;:[[&quot;1955&quot;,7,15,0,4,37,17,19],[&quot;2020&quot;,7,14,4,4,26,18,26]]}'\n\t\tdata-extra_data='{&quot;show_annotation&quot;:false,&quot;chart_annotation_prefix_postfix&quot;:false,&quot;chart_annotation_prefix&quot;:&quot;&quot;,&quot;chart_data_series_count_dynamic&quot;:7,&quot;chart_annotation_postfix&quot;:&quot;&quot;,&quot;chart_data_option&quot;:false,&quot;chart_csv_column_wise_enable&quot;:false,&quot;chart_dynamic_data_option&quot;:&quot;&quot;,&quot;chart_csv_x_columns&quot;:&quot;&quot;,&quot;chart_csv_y_columns&quot;:&quot;&quot;,&quot;chart_csv_x_columns_sql&quot;:&quot;&quot;,&quot;chart_csv_y_columns_sql&quot;:&quot;&quot;,&quot;element_import_from_table_dynamic_key&quot;:&quot;&quot;,&quot;current_post_id&quot;:3067,&quot;graphina_prefix&quot;:&quot;iq_&quot;,&quot;can_chart_reload_ajax&quot;:false,&quot;interval_data_refresh&quot;:15,&quot;is_chart_horizontal&quot;:false}'\n\t\tdata-settings='[]'\n        style=\"height: 350px\"\n\t\t>\n\t<\/div>\n<\/div>\n<script>\n    (function($) {\n        'use strict';\n        $(document).ready(function() {\n            if (window.graphinaGoogleBarChart && typeof window.graphinaGoogleBarChart.observeChartElement === 'function') {\n                window.graphinaGoogleBarChart.observeChartElement($('.graphina-google-chart[data-element_id=\"083d232\"]'), 'BarChart');\n            }\n        });\n    })(jQuery);\n<\/script>\t<div class=\"graphina-filter-notext graphina-083d232-notext\" style=\"display: none; height:350px; align-content:center\">\n\t\t<p class=\"graphina-filter-notext\" style=\"text-align: center;\">\n\t\t\tNo Data Found\t\t<\/p>\n\t<\/div>\n\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8071356 elementor-hidden-desktop elementor-hidden-tablet elementor-widget elementor-widget-donut_google_chart\" data-id=\"8071356\" data-element_type=\"widget\" data-e-type=\"widget\" data-no-translation=\"\" data-widget_type=\"donut_google_chart.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>.elementor-element-8071356{display:none !important}<\/style>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5efd317 elementor-hidden-desktop elementor-hidden-tablet elementor-widget elementor-widget-donut_google_chart\" data-id=\"5efd317\" data-element_type=\"widget\" data-e-type=\"widget\" data-no-translation=\"\" data-widget_type=\"donut_google_chart.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"chart-card\">\n\t<div>\n\t\t\t\t\t<h4 class=\"heading graphina-chart-heading\">\n\t\t\t\t1955\t\t\t<\/h4>\n\t\t\n\t\t\t\t\t<p class=\"sub-heading graphina-chart-sub-heading\">\n\t\t\t\tLa vie active repr\u00e9sentait 37% de la dur\u00e9e de vie, tandis que la retraite en occupait environ 19%.\t\t\t<\/p>\n\t\t\t<\/div>\n\t\n<div class=\"chart-box\">\n\t<div class=\"google-chart-texture\">\n\t\t<p>No Data Found<\/p>\n\t<\/div>\n\t<div class=\"graphina-google-chart\"\n\t\tdata-chart_type=\"donut_google\"\n\t\tdata-chart_type_static=\"DountChart\"\n\t\tdata-element_id=\"5efd317\"\n\t\tdata-chart_options='{&quot;title&quot;:&quot;&quot;,&quot;titleTextStyle&quot;:{&quot;fontName&quot;:&quot;Poppins&quot;,&quot;color&quot;:&quot;&quot;,&quot;fontSize&quot;:&quot;&quot;},&quot;chartArea&quot;:{&quot;left&quot;:&quot;10%&quot;,&quot;right&quot;:&quot;5%&quot;},&quot;height&quot;:350,&quot;tooltip&quot;:{&quot;showColorCode&quot;:true,&quot;textStyle&quot;:{&quot;fontSize&quot;:10,&quot;fontName&quot;:&quot;Poppins&quot;,&quot;color&quot;:&quot;black&quot;},&quot;trigger&quot;:&quot;selection&quot;,&quot;text&quot;:&quot;value&quot;},&quot;backgroundColor&quot;:&quot;&quot;,&quot;legend&quot;:{&quot;position&quot;:&quot;bottom&quot;,&quot;textStyle&quot;:{&quot;fontName&quot;:&quot;Poppins&quot;,&quot;fontSize&quot;:10,&quot;color&quot;:&quot;black&quot;},&quot;alignment&quot;:&quot;center&quot;},&quot;colors&quot;:[&quot;#B3B3B3&quot;,&quot;#929292&quot;,&quot;#D5D87A&quot;,&quot;#EEEEEE&quot;,&quot;#A1A53C&quot;,&quot;#E9E9E9&quot;,&quot;#D1D651&quot;],&quot;reverseCategories&quot;:false,&quot;showLables&quot;:false,&quot;pieSliceText&quot;:&quot;&quot;,&quot;pieSliceBorderColor&quot;:&quot;#ffffff&quot;,&quot;pieSliceTextStyle&quot;:{&quot;fontName&quot;:&quot;Poppins&quot;,&quot;color&quot;:&quot;&quot;,&quot;fontSize&quot;:&quot;&quot;},&quot;pieHole&quot;:0.65000000000000002220446049250313080847263336181640625}'\n\t\tdata-chart_data='{&quot;rows&quot;:[[&quot;Enfance&quot;,7],[&quot;\\u00c9cole &amp; formation&quot;,15],[&quot;Universit\\u00e9&quot;,0],[&quot;Autres&quot;,4],[&quot;Vie active&quot;,37],[&quot;Week-ends &amp; vacances&quot;,17],[&quot;Retraite&quot;,19]],&quot;columns&quot;:[[&quot;string&quot;,&quot;Month&quot;],[&quot;number&quot;,&quot;Sales&quot;]]}'\n\t\tdata-extra_data='{&quot;show_annotation&quot;:false,&quot;chart_annotation_prefix_postfix&quot;:false,&quot;chart_annotation_prefix&quot;:&quot;&quot;,&quot;chart_data_series_count_dynamic&quot;:7,&quot;chart_annotation_postfix&quot;:&quot;&quot;,&quot;chart_data_option&quot;:false,&quot;chart_csv_column_wise_enable&quot;:false,&quot;chart_dynamic_data_option&quot;:&quot;&quot;,&quot;chart_csv_x_columns&quot;:&quot;&quot;,&quot;chart_csv_y_columns&quot;:&quot;&quot;,&quot;chart_csv_x_columns_sql&quot;:&quot;&quot;,&quot;chart_csv_y_columns_sql&quot;:&quot;&quot;,&quot;element_import_from_table_dynamic_key&quot;:&quot;&quot;,&quot;current_post_id&quot;:3067,&quot;graphina_prefix&quot;:&quot;iq_&quot;,&quot;can_chart_reload_ajax&quot;:false,&quot;interval_data_refresh&quot;:15,&quot;is_chart_horizontal&quot;:false,&quot;prefix&quot;:&quot;&quot;,&quot;suffix&quot;:&quot;&quot;}'\n\t\tdata-settings='[]'\n        style=\"height: 350px\"\n\t\t>\n\t<\/div>\n<\/div>\n<script>\n    (function($) {\n        'use strict';\n        $(document).ready(function() {\n            if (window.graphinaGoogleDonutChart && typeof window.graphinaGoogleDonutChart.observeChartElement === 'function') {\n                window.graphinaGoogleDonutChart.observeChartElement($('.graphina-google-chart[data-element_id=\"5efd317\"]'), 'PieChart');\n            }\n        });\n    })(jQuery);\n<\/script>\t<div class=\"graphina-filter-notext graphina-5efd317-notext\" style=\"display: none; height:350px; align-content:center\">\n\t\t<p class=\"graphina-filter-notext\" style=\"text-align: center;\">\n\t\t\tNo Data Found\t\t<\/p>\n\t<\/div>\n\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6ee193b elementor-hidden-desktop elementor-hidden-tablet elementor-widget elementor-widget-donut_google_chart\" data-id=\"6ee193b\" data-element_type=\"widget\" data-e-type=\"widget\" data-no-translation=\"\" data-widget_type=\"donut_google_chart.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>.elementor-element-6ee193b{display:none !important}<\/style>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-33bdef1 elementor-hidden-desktop elementor-hidden-tablet elementor-widget elementor-widget-donut_google_chart\" data-id=\"33bdef1\" data-element_type=\"widget\" data-e-type=\"widget\" data-no-translation=\"\" data-widget_type=\"donut_google_chart.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"chart-card\">\n\t<div>\n\t\t\t\t\t<h4 class=\"heading graphina-chart-heading\">\n\t\t\t\t2020\t\t\t<\/h4>\n\t\t\n\t\t\t\t\t<p class=\"sub-heading graphina-chart-sub-heading\">\n\t\t\t\tLa vie active ne repr\u00e9sentait plus que 26% de la dur\u00e9e de vie, tout comme la retraite, \u00e9galement \u00e0 26%.\t\t\t<\/p>\n\t\t\t<\/div>\n\t\n<div class=\"chart-box\">\n\t<div class=\"google-chart-texture\">\n\t\t<p>No Data Found<\/p>\n\t<\/div>\n\t<div class=\"graphina-google-chart\"\n\t\tdata-chart_type=\"donut_google\"\n\t\tdata-chart_type_static=\"DountChart\"\n\t\tdata-element_id=\"33bdef1\"\n\t\tdata-chart_options='{&quot;title&quot;:&quot;&quot;,&quot;titleTextStyle&quot;:{&quot;fontName&quot;:&quot;Poppins&quot;,&quot;color&quot;:&quot;&quot;,&quot;fontSize&quot;:&quot;&quot;},&quot;chartArea&quot;:{&quot;left&quot;:&quot;10%&quot;,&quot;right&quot;:&quot;5%&quot;},&quot;height&quot;:350,&quot;tooltip&quot;:{&quot;showColorCode&quot;:true,&quot;textStyle&quot;:{&quot;fontSize&quot;:10,&quot;fontName&quot;:&quot;Poppins&quot;,&quot;color&quot;:&quot;black&quot;},&quot;trigger&quot;:&quot;selection&quot;,&quot;text&quot;:&quot;value&quot;},&quot;backgroundColor&quot;:&quot;&quot;,&quot;legend&quot;:{&quot;position&quot;:&quot;bottom&quot;,&quot;textStyle&quot;:{&quot;fontName&quot;:&quot;Poppins&quot;,&quot;fontSize&quot;:10,&quot;color&quot;:&quot;black&quot;},&quot;alignment&quot;:&quot;center&quot;},&quot;colors&quot;:[&quot;#B3B3B3&quot;,&quot;#929292&quot;,&quot;#D5D87A&quot;,&quot;#EEEEEE&quot;,&quot;#A1A53C&quot;,&quot;#E9E9E9&quot;,&quot;#D1D651&quot;],&quot;reverseCategories&quot;:false,&quot;showLables&quot;:false,&quot;pieSliceText&quot;:&quot;&quot;,&quot;pieSliceBorderColor&quot;:&quot;#ffffff&quot;,&quot;pieSliceTextStyle&quot;:{&quot;fontName&quot;:&quot;Poppins&quot;,&quot;color&quot;:&quot;&quot;,&quot;fontSize&quot;:&quot;&quot;},&quot;pieHole&quot;:0.65000000000000002220446049250313080847263336181640625}'\n\t\tdata-chart_data='{&quot;rows&quot;:[[&quot;Enfance&quot;,7],[&quot;\\u00c9cole &amp; formation&quot;,14],[&quot;Universit\\u00e9&quot;,4],[&quot;Autres&quot;,4],[&quot;Vie active&quot;,26],[&quot;Week-ends &amp; vacances&quot;,18],[&quot;Retraite&quot;,26]],&quot;columns&quot;:[[&quot;string&quot;,&quot;Month&quot;],[&quot;number&quot;,&quot;Sales&quot;]]}'\n\t\tdata-extra_data='{&quot;show_annotation&quot;:false,&quot;chart_annotation_prefix_postfix&quot;:false,&quot;chart_annotation_prefix&quot;:&quot;&quot;,&quot;chart_data_series_count_dynamic&quot;:7,&quot;chart_annotation_postfix&quot;:&quot;&quot;,&quot;chart_data_option&quot;:false,&quot;chart_csv_column_wise_enable&quot;:false,&quot;chart_dynamic_data_option&quot;:&quot;&quot;,&quot;chart_csv_x_columns&quot;:&quot;&quot;,&quot;chart_csv_y_columns&quot;:&quot;&quot;,&quot;chart_csv_x_columns_sql&quot;:&quot;&quot;,&quot;chart_csv_y_columns_sql&quot;:&quot;&quot;,&quot;element_import_from_table_dynamic_key&quot;:&quot;&quot;,&quot;current_post_id&quot;:3067,&quot;graphina_prefix&quot;:&quot;iq_&quot;,&quot;can_chart_reload_ajax&quot;:false,&quot;interval_data_refresh&quot;:15,&quot;is_chart_horizontal&quot;:false,&quot;prefix&quot;:&quot;&quot;,&quot;suffix&quot;:&quot;&quot;}'\n\t\tdata-settings='[]'\n        style=\"height: 350px\"\n\t\t>\n\t<\/div>\n<\/div>\n<script>\n    (function($) {\n        'use strict';\n        $(document).ready(function() {\n            if (window.graphinaGoogleDonutChart && typeof window.graphinaGoogleDonutChart.observeChartElement === 'function') {\n                window.graphinaGoogleDonutChart.observeChartElement($('.graphina-google-chart[data-element_id=\"33bdef1\"]'), 'PieChart');\n            }\n        });\n    })(jQuery);\n<\/script>\t<div class=\"graphina-filter-notext graphina-33bdef1-notext\" style=\"display: none; height:350px; align-content:center\">\n\t\t<p class=\"graphina-filter-notext\" style=\"text-align: center;\">\n\t\t\tNo Data Found\t\t<\/p>\n\t<\/div>\n\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2df3f33 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2df3f33\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-44beadc\" data-id=\"44beadc\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-3ae6a23 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3ae6a23\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-72a50c8\" data-id=\"72a50c8\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2fe115c elementor-widget elementor-widget-heading\" data-id=\"2fe115c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Les trois types de caisses de pension expliqu\u00e9s simplement<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d587957 elementor-widget elementor-widget-text-editor\" data-id=\"d587957\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Il existe trois types d'organisation principales dans le domaine de la pr\u00e9voyance professionnelle : les institutions propres \u00e0 l'entreprise, les institutions collectives et les institutions communes.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-0d2fa43\" data-id=\"0d2fa43\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-c517ee2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c517ee2\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-1c644d3\" data-id=\"1c644d3\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-164c372 elementor-widget elementor-widget-image\" data-id=\"164c372\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"559\" src=\"https:\/\/inter-pension.ch\/wp-content\/uploads\/2025\/06\/1st_fr.png\" class=\"attachment-large size-large wp-image-3694\" alt=\"\" srcset=\"https:\/\/inter-pension.ch\/wp-content\/uploads\/2025\/06\/1st_fr.png 1002w, https:\/\/inter-pension.ch\/wp-content\/uploads\/2025\/06\/1st_fr-300x210.png 300w, https:\/\/inter-pension.ch\/wp-content\/uploads\/2025\/06\/1st_fr-768x537.png 768w, https:\/\/inter-pension.ch\/wp-content\/uploads\/2025\/06\/1st_fr-18x12.png 18w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6bf14ed elementor-widget elementor-widget-heading\" data-id=\"6bf14ed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Institutions de pr\u00e9voyance propres \u00e0 l\u2019entreprise<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ef1ef9e elementor-widget elementor-widget-text-editor\" data-id=\"ef1ef9e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Les grandes entreprises, comme Migros ou UBS par exemple, g\u00e8rent souvent leur propre caisse de pension \u2013 ce qu\u2019on appelle une institution de pr\u00e9voyance propre \u00e0 l\u2019entreprise.<\/p><p>Bien que l\u2019entreprise et la caisse de pension soient juridiquement ind\u00e9pendantes, elles sont \u00e9troitement li\u00e9es. Les changements op\u00e9rationnels et strat\u00e9giques au sein de l\u2019entreprise \u2013 par exemple au niveau du nombre de collaborateurs et collaboratrices \u2013 ont un impact direct sur la caisse de pension.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-397d256\" data-id=\"397d256\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bc9498b elementor-widget elementor-widget-image\" data-id=\"bc9498b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"559\" src=\"https:\/\/inter-pension.ch\/wp-content\/uploads\/2025\/06\/2st_fr.png\" class=\"attachment-large size-large wp-image-3684\" alt=\"\" srcset=\"https:\/\/inter-pension.ch\/wp-content\/uploads\/2025\/06\/2st_fr.png 1002w, https:\/\/inter-pension.ch\/wp-content\/uploads\/2025\/06\/2st_fr-300x210.png 300w, https:\/\/inter-pension.ch\/wp-content\/uploads\/2025\/06\/2st_fr-768x537.png 768w, https:\/\/inter-pension.ch\/wp-content\/uploads\/2025\/06\/2st_fr-18x12.png 18w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9125c08 elementor-widget elementor-widget-heading\" data-id=\"9125c08\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Institutions collectives<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d7fec68 elementor-widget elementor-widget-text-editor\" data-id=\"d7fec68\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Une institution collective est une institution de pr\u00e9voyance \u00e0 laquelle plusieurs employeurs sont affili\u00e9s, mais o\u00f9 les diff\u00e9rents employeurs ne constituent pas une collectivit\u00e9 solidaire. L'institution tient une comptabilit\u00e9 s\u00e9par\u00e9e pour chaque employeur affili\u00e9 et chaque employeur a son propre r\u00e9gime de prestations et de financement.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-6f8521c\" data-id=\"6f8521c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-521123d elementor-widget elementor-widget-image\" data-id=\"521123d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"559\" src=\"https:\/\/inter-pension.ch\/wp-content\/uploads\/2025\/06\/2st_fr.png\" class=\"attachment-large size-large wp-image-3685\" alt=\"\" srcset=\"https:\/\/inter-pension.ch\/wp-content\/uploads\/2025\/06\/2st_fr.png 1002w, https:\/\/inter-pension.ch\/wp-content\/uploads\/2025\/06\/2st_fr-300x210.png 300w, https:\/\/inter-pension.ch\/wp-content\/uploads\/2025\/06\/2st_fr-768x537.png 768w, https:\/\/inter-pension.ch\/wp-content\/uploads\/2025\/06\/2st_fr-18x12.png 18w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e5c8faf elementor-widget elementor-widget-heading\" data-id=\"e5c8faf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Institutions communes<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-18d3f9e elementor-widget elementor-widget-text-editor\" data-id=\"18d3f9e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Une institution commune est une institution de pr\u00e9voyance \u00e0 laquelle plusieurs employeurs sont affili\u00e9s et o\u00f9 les diff\u00e9rents employeurs constituent une collectivit\u00e9 solidaire. Les institutions communes sont particuli\u00e8rement r\u00e9pandues dans le secteur des arts et m\u00e9tiers<\/p><p>Anders als bei Sammeleinrichtungen gibt es hier jedoch keine separaten Vorsorgewerke \u2013 alle Versicherten werden gemeinsam gef\u00fchrt.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5b85fdd elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5b85fdd\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-725bde8\" data-id=\"725bde8\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-7b73403 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7b73403\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;sticky&quot;:&quot;top&quot;,&quot;sticky_parent&quot;:&quot;yes&quot;,&quot;sticky_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;,&quot;mobile&quot;],&quot;sticky_offset&quot;:0,&quot;sticky_effects_offset&quot;:0,&quot;sticky_anchor_link_offset&quot;:0}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-7ac1cf2\" data-id=\"7ac1cf2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-224bee1 elementor-widget elementor-widget-heading\" data-id=\"224bee1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">inter-pension, la voix des petites et moyennes entreprises<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bc06690 elementor-widget elementor-widget-text-editor\" data-id=\"bc06690\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;motion_fx_motion_fx_mouse&quot;:&quot;yes&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>inter-pension est l'association professionnelle ind\u00e9pendante des institutions collectives et communes du 2e pilier. Elle repr\u00e9sente ainsi un \u00e9l\u00e9ment central du syst\u00e8me de pr\u00e9voyance suisse. En tant qu'association, nous regroupons les int\u00e9r\u00eats de plus de 50 institutions de pr\u00e9voyance comptant plus de deux millions d'assur\u00e9s, issus notamment du secteur des PME.<\/p><p>Notre travail vise \u00e0 cr\u00e9er des conditions-cadres l\u00e9gales \u00e9quitables, stables et durables pour la pr\u00e9voyance professionnelle. Nous apportons notre expertise ainsi que la dimension pratique de nos membres dans les processus d\u00e9cisionnels politiques \u2013 que ce soit par le biais de prises de position, de consultations ou d\u2019un dialogue direct avec les autorit\u00e9s et le Parlement.<\/p><p>Parall\u00e8lement, nous nous consid\u00e9rons comme une plateforme d\u2019\u00e9change, de transparence et de d\u00e9veloppement. Nous encourageons le dialogue professionnel entre les institutions de pr\u00e9voyance, instaurons la confiance par l'ouverture et nous engageons r\u00e9solument en faveur d\u2019une pr\u00e9voyance durable, solidaire et \u00e9quitable entre les g\u00e9n\u00e9rations.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-3785eda\" data-id=\"3785eda\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d17abff elementor-skin-carousel elementor-arrows-yes elementor-pagination-type-bullets elementor-pagination-position-outside elementor-widget elementor-widget-media-carousel\" data-id=\"d17abff\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;effect&quot;:&quot;fade&quot;,&quot;lazyload&quot;:&quot;yes&quot;,&quot;space_between&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:7,&quot;sizes&quot;:[]},&quot;skin&quot;:&quot;carousel&quot;,&quot;show_arrows&quot;:&quot;yes&quot;,&quot;pagination&quot;:&quot;bullets&quot;,&quot;speed&quot;:500,&quot;autoplay&quot;:&quot;yes&quot;,&quot;autoplay_speed&quot;:5000,&quot;loop&quot;:&quot;yes&quot;,&quot;pause_on_hover&quot;:&quot;yes&quot;,&quot;pause_on_interaction&quot;:&quot;yes&quot;,&quot;space_between_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]},&quot;space_between_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]}}\" data-no-translation=\"\" data-widget_type=\"media-carousel.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>.elementor-element-d17abff{display:none !important}<\/style>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4554f81 elementor-skin-carousel elementor-arrows-yes elementor-pagination-type-bullets elementor-pagination-position-outside elementor-widget elementor-widget-media-carousel\" data-id=\"4554f81\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;effect&quot;:&quot;fade&quot;,&quot;lazyload&quot;:&quot;yes&quot;,&quot;space_between&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:7,&quot;sizes&quot;:[]},&quot;skin&quot;:&quot;carousel&quot;,&quot;show_arrows&quot;:&quot;yes&quot;,&quot;pagination&quot;:&quot;bullets&quot;,&quot;speed&quot;:500,&quot;autoplay&quot;:&quot;yes&quot;,&quot;autoplay_speed&quot;:5000,&quot;loop&quot;:&quot;yes&quot;,&quot;pause_on_hover&quot;:&quot;yes&quot;,&quot;pause_on_interaction&quot;:&quot;yes&quot;,&quot;space_between_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]},&quot;space_between_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]}}\" data-no-translation=\"\" data-widget_type=\"media-carousel.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-swiper\">\n\t\t\t\t\t<div class=\"elementor-main-swiper swiper\" role=\"region\" aria-roledescription=\"carousel\" aria-label=\"Slides\">\n\t\t\t\t<div class=\"swiper-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/inter-pension.ch\/wp-content\/uploads\/2025\/06\/Bildschirmfoto-2025-06-20-um-22.30.51.png\" data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"4554f81\" data-elementor-lightbox-title=\"Bildschirmfoto 2025-06-20 um 22.30.51\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6Mzc0MywidXJsIjoiaHR0cHM6XC9cL2ludGVyLXBlbnNpb24uY2hcL3dwLWNvbnRlbnRcL3VwbG9hZHNcLzIwMjVcLzA2XC9CaWxkc2NoaXJtZm90by0yMDI1LTA2LTIwLXVtLTIyLjMwLjUxLnBuZyIsInNsaWRlc2hvdyI6IjQ1NTRmODEifQ%3D%3D\" data-elementor-lightbox-video=\"https:\/\/player.vimeo.com\/video\/1094130858?autoplay=1&amp;rel=0&amp;controls=0#t=\">\t\t<div class=\"elementor-carousel-image swiper-lazy\" role=\"img\" aria-label=\"Bildschirmfoto 2025-06-20 um 22.30.51\" data-background=\"https:\/\/inter-pension.ch\/wp-content\/uploads\/2025\/06\/Bildschirmfoto-2025-06-20-um-22.30.51.png\">\n\n\t\t\t\t\t\t\t<div class=\"swiper-lazy-preloader\"><\/div>\n\t\t\t\n\t\t\t\t\t\t\t<div class=\"elementor-custom-embed-play\">\n\t\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-play\"><\/i>\t\t\t\t\t<span class=\"elementor-screen-only\">Lire<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/a>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/inter-pension.ch\/wp-content\/uploads\/2025\/06\/Bildschirmfoto-2025-06-20-um-22.32.03.png\" data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"4554f81\" data-elementor-lightbox-title=\"Bildschirmfoto 2025-06-20 um 22.32.03\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6Mzc0NCwidXJsIjoiaHR0cHM6XC9cL2ludGVyLXBlbnNpb24uY2hcL3dwLWNvbnRlbnRcL3VwbG9hZHNcLzIwMjVcLzA2XC9CaWxkc2NoaXJtZm90by0yMDI1LTA2LTIwLXVtLTIyLjMyLjAzLnBuZyIsInNsaWRlc2hvdyI6IjQ1NTRmODEifQ%3D%3D\" data-elementor-lightbox-video=\"https:\/\/player.vimeo.com\/video\/1094131854?autoplay=1&amp;rel=0&amp;controls=0#t=\">\t\t<div class=\"elementor-carousel-image swiper-lazy\" role=\"img\" aria-label=\"Bildschirmfoto 2025-06-20 um 22.32.03\" data-background=\"https:\/\/inter-pension.ch\/wp-content\/uploads\/2025\/06\/Bildschirmfoto-2025-06-20-um-22.32.03.png\">\n\n\t\t\t\t\t\t\t<div class=\"swiper-lazy-preloader\"><\/div>\n\t\t\t\n\t\t\t\t\t\t\t<div class=\"elementor-custom-embed-play\">\n\t\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-play\"><\/i>\t\t\t\t\t<span class=\"elementor-screen-only\">Lire<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/a>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/inter-pension.ch\/wp-content\/uploads\/2025\/06\/Bildschirmfoto-2025-06-20-um-22.33.56.png\" data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"4554f81\" data-elementor-lightbox-title=\"Bildschirmfoto 2025-06-20 um 22.33.56\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6Mzc0OCwidXJsIjoiaHR0cHM6XC9cL2ludGVyLXBlbnNpb24uY2hcL3dwLWNvbnRlbnRcL3VwbG9hZHNcLzIwMjVcLzA2XC9CaWxkc2NoaXJtZm90by0yMDI1LTA2LTIwLXVtLTIyLjMzLjU2LnBuZyIsInNsaWRlc2hvdyI6IjQ1NTRmODEifQ%3D%3D\" data-elementor-lightbox-video=\"https:\/\/player.vimeo.com\/video\/1094133183?autoplay=1&amp;rel=0&amp;controls=0#t=\">\t\t<div class=\"elementor-carousel-image swiper-lazy\" role=\"img\" aria-label=\"Bildschirmfoto 2025-06-20 um 22.33.56\" data-background=\"https:\/\/inter-pension.ch\/wp-content\/uploads\/2025\/06\/Bildschirmfoto-2025-06-20-um-22.33.56.png\">\n\n\t\t\t\t\t\t\t<div class=\"swiper-lazy-preloader\"><\/div>\n\t\t\t\n\t\t\t\t\t\t\t<div class=\"elementor-custom-embed-play\">\n\t\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-play\"><\/i>\t\t\t\t\t<span class=\"elementor-screen-only\">Lire<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/a>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/inter-pension.ch\/wp-content\/uploads\/2025\/06\/Bildschirmfoto-2025-06-20-um-22.34.52.png\" data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"4554f81\" data-elementor-lightbox-title=\"Bildschirmfoto 2025-06-20 um 22.34.52\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6Mzc1MiwidXJsIjoiaHR0cHM6XC9cL2ludGVyLXBlbnNpb24uY2hcL3dwLWNvbnRlbnRcL3VwbG9hZHNcLzIwMjVcLzA2XC9CaWxkc2NoaXJtZm90by0yMDI1LTA2LTIwLXVtLTIyLjM0LjUyLnBuZyIsInNsaWRlc2hvdyI6IjQ1NTRmODEifQ%3D%3D\" data-elementor-lightbox-video=\"https:\/\/player.vimeo.com\/video\/1094134989?autoplay=1&amp;rel=0&amp;controls=0#t=\">\t\t<div class=\"elementor-carousel-image swiper-lazy\" role=\"img\" aria-label=\"Bildschirmfoto 2025-06-20 um 22.34.52\" data-background=\"https:\/\/inter-pension.ch\/wp-content\/uploads\/2025\/06\/Bildschirmfoto-2025-06-20-um-22.34.52.png\">\n\n\t\t\t\t\t\t\t<div class=\"swiper-lazy-preloader\"><\/div>\n\t\t\t\n\t\t\t\t\t\t\t<div class=\"elementor-custom-embed-play\">\n\t\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-play\"><\/i>\t\t\t\t\t<span class=\"elementor-screen-only\">Lire<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/a>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/inter-pension.ch\/wp-content\/uploads\/2025\/06\/Bildschirmfoto-2025-06-20-um-22.35.38.png\" data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"4554f81\" data-elementor-lightbox-title=\"Bildschirmfoto 2025-06-20 um 22.35.38\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6Mzc1MywidXJsIjoiaHR0cHM6XC9cL2ludGVyLXBlbnNpb24uY2hcL3dwLWNvbnRlbnRcL3VwbG9hZHNcLzIwMjVcLzA2XC9CaWxkc2NoaXJtZm90by0yMDI1LTA2LTIwLXVtLTIyLjM1LjM4LnBuZyIsInNsaWRlc2hvdyI6IjQ1NTRmODEifQ%3D%3D\" data-elementor-lightbox-video=\"https:\/\/player.vimeo.com\/video\/1094130011?autoplay=1&amp;rel=0&amp;controls=0#t=\">\t\t<div class=\"elementor-carousel-image swiper-lazy\" role=\"img\" aria-label=\"Bildschirmfoto 2025-06-20 um 22.35.38\" data-background=\"https:\/\/inter-pension.ch\/wp-content\/uploads\/2025\/06\/Bildschirmfoto-2025-06-20-um-22.35.38.png\">\n\n\t\t\t\t\t\t\t<div class=\"swiper-lazy-preloader\"><\/div>\n\t\t\t\n\t\t\t\t\t\t\t<div class=\"elementor-custom-embed-play\">\n\t\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-play\"><\/i>\t\t\t\t\t<span class=\"elementor-screen-only\">Lire<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/a>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-prev\" role=\"button\" tabindex=\"0\" aria-label=\"Pr\u00e9c\u00e9dent\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-chevron-left\"><\/i>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-next\" role=\"button\" tabindex=\"0\" aria-label=\"Suivant\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-chevron-right\"><\/i>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-pagination\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5b30059 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5b30059\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0fb6d41\" data-id=\"0fb6d41\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d6d6b50 elementor-widget elementor-widget-heading\" data-id=\"d6d6b50\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Questions fr\u00e9quentes sur la pr\u00e9voyance professionnelle, expliqu\u00e9es simplement<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-2cbf3de elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"2cbf3de\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-8ea098e\" data-id=\"8ea098e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-542131e elementor-widget elementor-widget-toggle\" data-id=\"542131e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"toggle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-8821\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-8821\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Comment fonctionne le syst\u00e8me de pr\u00e9voyance suisse\u202f?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-8821\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-8821\"><p><span style=\"font-weight: 400;\">Le syst\u00e8me de pr\u00e9voyance suisse repose sur trois piliers : l\u2019AVS \u00e9tatique, la pr\u00e9voyance professionnelle (LPP) et la pr\u00e9voyance priv\u00e9e facultative. Le deuxi\u00e8me pilier \u2013 c\u2019est-\u00e0-dire la pr\u00e9voyance professionnelle \u2013 compl\u00e8te l\u2019AVS et est financ\u00e9 conjointement par l\u2019employeur et l\u2019employ\u00e9.<\/span><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-8822\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-8822\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Que signifie LPP\u202f?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-8822\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-8822\"><p><span style=\"font-weight: 400;\">L\u2019abr\u00e9viation LPP signifie \u00ab\u202fLoi f\u00e9d\u00e9rale sur la pr\u00e9voyance professionnelle vieillesse, survivants et invalidit\u00e9\u202f\u00bb. La LPP d\u00e9finit qui est assur\u00e9 dans le cadre de la pr\u00e9voyance professionnelle, quels sont les droits et les obligations des assur\u00e9\u00b7e\u00b7s ainsi que les prestations minimales garanties par la loi.\u00a0<\/span><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-8823\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-8823\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Pourquoi la pr\u00e9voyance professionnelle est-elle importante?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-8823\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-8823\"><p><span style=\"font-weight: 400;\">Elle garantit une s\u00e9curit\u00e9 financi\u00e8re aux personnes \u00e0 la retraite, aux survivants ou en cas d\u2019invalidit\u00e9. En m\u00eame temps, elle soulage l\u2019\u00c9tat et renforce la stabilit\u00e9 sociale.<\/span><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-8824\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-8824\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Comment puis-je v\u00e9rifier s'il existe encore des avoirs de pr\u00e9voyance oubli\u00e9s quelque part ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-8824\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-8824\"><p class=\"my-0\">La <span style=\"text-decoration: underline;\"><a href=\"https:\/\/sfbvg.ch\/aufgaben\/suche-nach-guthaben\" target=\"_blank\" rel=\"noopener\">centrale du 2e pilier du fonds de garantie LPP<\/a><\/span> est l'interlocuteur officiel pour rechercher des avoirs de pr\u00e9voyance oubli\u00e9s ou sans contact. La recherche est gratuite pour vous. Pour une recherche s\u00fbre et professionnelle d'avoirs de pr\u00e9voyance oubli\u00e9s, il suffit d'adresser une demande \u00e0 la centrale \u2013 il n'est pas n\u00e9cessaire de faire appel \u00e0 d'autres prestataires.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-8825\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-8825\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">\u00c0 combien s'\u00e9l\u00e8vera ma rente de vieillesse ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-8825\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-8825\"><p>Le montant de la rente de vieillesse d\u00e9pend fortement de l'avoir de vieillesse \u00e9pargn\u00e9 et des int\u00e9r\u00eats accumul\u00e9s. Le taux de conversion est un autre \u00e9l\u00e9ment important.\u00a0<\/p><p>Votre\u00a0<strong>certificat de pr\u00e9voyance<\/strong> indique le montant estim\u00e9 de votre future rente de vieillesse. Ce calcul est bas\u00e9 sur une projection tenant compte du taux d'int\u00e9r\u00eat technique en vigueur, du taux de conversion actuel et de l'hypoth\u00e8se d'un salaire inchang\u00e9. En cas de d\u00e9part anticip\u00e9 \u00e0 la retraite, le taux de conversion est r\u00e9duit en cons\u00e9quence et il est augment\u00e9 si vous continuez \u00e0 travailler au-del\u00e0 de l'\u00e2ge de la retraite.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-8826\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-8826\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Qu'est-ce que le taux de conversion ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-8826\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-8826\"><p data-start=\"95\" data-end=\"420\">Pour pouvoir calculer la rente, une caisse de pension a besoin d'un taux de conversion. Celui-ci indique le montant de la rente annuelle vers\u00e9e, calcul\u00e9 sur la base du capital vieillesse \u00e9pargn\u00e9. Un taux de conversion de 6,8 % signifie par exemple que toute personne disposant d'un avoir de vieillesse de 100 000 francs percevra une rente annuelle de 6 800 francs.<\/p><p data-start=\"422\" data-end=\"578\">Le taux de conversion d\u00e9pend de plusieurs facteurs : l'\u00e2ge \u00e0 la retraite, le sexe et l'ann\u00e9e de d\u00e9part \u00e0 la retraite.<\/p><p data-start=\"580\" data-end=\"905\">De nombreuses caisses de pension appliquent un taux de conversion uniforme \u00e0 l'ensemble de l'avoir, qu'il s'agisse de la partie l\u00e9gale (appel\u00e9e \u00ab partie obligatoire LPP \u00bb) ou de l'avoir suppl\u00e9mentaire constitu\u00e9 \u00e0 titre facultatif (partie surobligatoire). Dans la pratique, il s'agit g\u00e9n\u00e9ralement d'un taux mixte.<\/p><p data-start=\"907\" data-end=\"1111\">Si une personne est uniquement assur\u00e9e dans le cadre l\u00e9gal, la caisse de pension doit verser au minimum la rente garantie par la loi. Si l'avoir exc\u00e9dentaire est \u00e9galement assur\u00e9, des taux plus bas sont possibles.<\/p><p data-start=\"1113\" data-end=\"1453\">Certaines caisses de pension \u2013 mais elles sont de moins en moins nombreuses \u2013 font encore la distinction entre l'avoir obligatoire et l'avoir surobligatoire lors du calcul de la rente. Elles appliquent alors un taux de conversion distinct pour chaque partie. Important : m\u00eame dans ce mod\u00e8le, la prestation minimale l\u00e9gale doit \u00eatre respect\u00e9e.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-914f1e9\" data-id=\"914f1e9\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-48314b1 elementor-widget elementor-widget-toggle\" data-id=\"48314b1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"toggle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-7561\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-7561\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Que fait exactement inter-pension\u202f?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-7561\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-7561\"><p><span style=\"font-weight: 400;\">inter-pension est l\u2019association des institutions collectives et communes, proposant notamment des solutions aux PME dans le 2e pilier. Nous nous engageons pour des conditions-cadres \u00e9quitables et pour les int\u00e9r\u00eats de plus de deux millions de personnes assur\u00e9es.<\/span><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-7562\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-7562\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Quelles institutions de pr\u00e9voyance sont membres d\u2019inter-pension?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-7562\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-7562\"><p><span style=\"font-weight: 400;\">Vous trouverez la liste compl\u00e8te de tous les membres sur notre site internet \u00e0 l\u2019adresse suivante:\u00a0<a href=\"https:\/\/inter-pension.ch\/fr\/unsere-mitglieder\/\">www.inter-pension.ch\/fr\/unsere-mitglieder\/<\/a><\/span><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-7563\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-7563\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Pourquoi inter-pension est-elle n\u00e9cessaire?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-7563\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-7563\"><p><span style=\"font-weight: 400;\">Parce que le dialogue est essentiel pour faire \u00e9voluer et pr\u00e9server notre syst\u00e8me de pr\u00e9voyance performant. Nous rassemblons le savoir-faire, d\u00e9fendons les int\u00e9r\u00eats aupr\u00e8s des instances politiques et administratives, et favorisons les \u00e9changes professionnels.<\/span><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-7564\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-7564\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">La rente de vieillesse peut-elle \u00eatre compl\u00e9t\u00e9e par des rachats volontaires ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-7564\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-7564\"><p>Afin d'am\u00e9liorer la future rente, il est possible d'effectuer des rachats suppl\u00e9mentaires dans la caisse de pension, mais uniquement jusqu'\u00e0 une certaine limite.<\/p><p>Le certificat de pr\u00e9voyance indique le montant maximal pouvant \u00eatre rachet\u00e9. Ces\u00a0<strong>rachats peuvent \u00eatre d\u00e9duits du revenu imposable.<\/strong>\u00a0werden.<\/p><p>Veuillez noter que l'avoir de la caisse de pension est bloqu\u00e9 pendant trois ans apr\u00e8s un rachat pour les versements en esp\u00e8ces, tels que les retraits anticip\u00e9s pour l'acquisition d'un logement ou les indemnit\u00e9s en capital lors de la retraite.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-7565\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-7565\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Que signifient \u00ab obligatoire \u00bb et \u00ab surobligatoire \u00bb ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-7565\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-7565\"><p data-start=\"83\" data-end=\"306\">Les caisses de pension doivent respecter certaines r\u00e8gles l\u00e9gales minimales. Celles-ci sont d\u00e9finies dans la loi f\u00e9d\u00e9rale sur la pr\u00e9voyance professionnelle (LPP) et sont \u00e9galement appel\u00e9es \u00ab minimum LPP \u00bb ou \u00ab obligations LPP \u00bb.<\/p><p data-start=\"308\" data-end=\"731\">Ces directives comprennent par exemple :<br data-start=\"348\" data-end=\"351\" \/>\u2013 un salaire minimum \u00e0 partir duquel on est assur\u00e9 aupr\u00e8s de la caisse de pension,<br data-start=\"440\" data-end=\"443\" \/>\u2013 Bonifications de vieillesse,<br data-start=\"520\" data-end=\"523\" \/>- un salaire maximal,<br data-start=\"593\" data-end=\"596\" \/>\u2013 et un taux de conversion actuellement, qui d\u00e9termine le montant de la rente vers\u00e9e \u00e0 partir de l'avoir \u00e9pargn\u00e9.<\/p><p data-start=\"733\" data-end=\"1093\">De nombreuses caisses de pension vont au-del\u00e0 de ces prestations minimales, \u00e0 condition que leur r\u00e8glement le permette. Ainsi, les salaires inf\u00e9rieurs au seuil d'entr\u00e9e ou sup\u00e9rieurs au maximum l\u00e9gal peuvent \u00e9galement \u00eatre assur\u00e9s. Tout ce qui d\u00e9passe le minimum l\u00e9gal est appel\u00e9 prestations surobligatoires.<\/p><p data-start=\"1095\" data-end=\"1341\">Comme la loi impose moins de contraintes pour ces prestations suppl\u00e9mentaires, les caisses de pension peuvent traiter diff\u00e9remment la partie obligatoire et la partie surobligatoire, par exemple en mati\u00e8re de r\u00e9mun\u00e9ration ou de calcul de la rente.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-7566\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-7566\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Puis-je percevoir un capital \u00e0 la place d'une rente de la caisse de pension ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-7566\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-7566\"><p data-start=\"61\" data-end=\"328\">Lorsqu'on prend sa retraite, on peut percevoir une partie de l'avoir de la caisse de pension accumul\u00e9 sous forme de capital unique, au lieu de le toucher sous forme de rente mensuelle. La loi garantit au moins un quart de l'avoir obligatoire.<\/p><p data-start=\"330\" data-end=\"464\">De nombreuses caisses de pension sont toutefois plus g\u00e9n\u00e9reuses et autorisent m\u00eame un retrait en capital pouvant atteindre 100 % de l'avoir de vieillesse total.<\/p><p data-start=\"466\" data-end=\"733\">Important : <strong>chaque caisse de pension a ses propres r\u00e8gles<\/strong>concernant le montant du capital pouvant \u00eatre retir\u00e9 et la date limite pour en faire la demande. Il est donc recommand\u00e9 de consulter le r\u00e8glement de la caisse de pension \u00e0 l'avance ou de se renseigner directement aupr\u00e8s de celle-ci.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c7400a1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c7400a1\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-eb2a230\" data-id=\"eb2a230\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-cb95ae8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"cb95ae8\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-b0b7cb5\" data-id=\"b0b7cb5\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5f8ded0 elementor-widget elementor-widget-heading\" data-id=\"5f8ded0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">La pr\u00e9voyance commence par la compr\u00e9hension<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fa23e44 elementor-widget elementor-widget-text-editor\" data-id=\"fa23e44\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Informez-vous. Remettez en question votre situation actuelle. Parlez avec votre employeur ou votre institution de pr\u00e9voyance. Car celles et ceux qui s\u2019engagent d\u00e8s aujourd\u2019hui contribuent \u00e0 maintenir notre syst\u00e8me de pr\u00e9voyance fort et solidaire.<\/p><p>Dans des interviews, nos repr\u00e9sentants expliquent des th\u00e8mes complexes li\u00e9s \u00e0 la pr\u00e9voyance professionnelle, analysent les d\u00e9veloppements actuels et donnent un aper\u00e7u de la position de l'association sur les questions politiques et \u00e9conomiques relatives au 2e pilier.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-95d0793\" data-id=\"95d0793\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-eb6d300 elementor-widget elementor-widget-jet-listing-grid\" data-id=\"eb6d300\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;columns&quot;:&quot;3&quot;,&quot;columns_tablet&quot;:&quot;1&quot;}\" data-widget_type=\"jet-listing-grid.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"jet-listing-grid jet-listing\"><div class=\"jet-listing-grid__items grid-col-desk-3 grid-col-tablet-1 grid-col-mobile-1 jet-listing-grid--3840\" data-queried-id=\"3067|WP_Post\" data-nav=\"{&quot;enabled&quot;:false,&quot;type&quot;:null,&quot;more_el&quot;:null,&quot;query&quot;:[],&quot;widget_settings&quot;:{&quot;lisitng_id&quot;:3840,&quot;posts_num&quot;:6,&quot;columns&quot;:3,&quot;columns_tablet&quot;:1,&quot;columns_mobile&quot;:1,&quot;column_min_width&quot;:240,&quot;column_min_width_tablet&quot;:240,&quot;column_min_width_mobile&quot;:240,&quot;inline_columns_css&quot;:false,&quot;is_archive_template&quot;:&quot;&quot;,&quot;post_status&quot;:[&quot;publish&quot;],&quot;use_random_posts_num&quot;:&quot;&quot;,&quot;max_posts_num&quot;:9,&quot;not_found_message&quot;:&quot;No data was found&quot;,&quot;is_masonry&quot;:false,&quot;equal_columns_height&quot;:&quot;&quot;,&quot;use_load_more&quot;:&quot;&quot;,&quot;load_more_id&quot;:&quot;&quot;,&quot;load_more_type&quot;:&quot;click&quot;,&quot;load_more_offset&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:0,&quot;sizes&quot;:[]},&quot;use_custom_post_types&quot;:&quot;&quot;,&quot;custom_post_types&quot;:[],&quot;hide_widget_if&quot;:&quot;&quot;,&quot;carousel_enabled&quot;:&quot;&quot;,&quot;slides_to_scroll&quot;:&quot;1&quot;,&quot;arrows&quot;:&quot;true&quot;,&quot;arrow_icon&quot;:&quot;fa fa-angle-left&quot;,&quot;dots&quot;:&quot;&quot;,&quot;autoplay&quot;:&quot;true&quot;,&quot;pause_on_hover&quot;:&quot;true&quot;,&quot;autoplay_speed&quot;:5000,&quot;infinite&quot;:&quot;true&quot;,&quot;center_mode&quot;:&quot;&quot;,&quot;effect&quot;:&quot;slide&quot;,&quot;speed&quot;:500,&quot;inject_alternative_items&quot;:&quot;&quot;,&quot;injection_items&quot;:[],&quot;scroll_slider_enabled&quot;:&quot;&quot;,&quot;scroll_slider_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;,&quot;mobile&quot;],&quot;custom_query&quot;:false,&quot;custom_query_id&quot;:&quot;&quot;,&quot;_element_id&quot;:&quot;&quot;,&quot;collapse_first_last_gap&quot;:false,&quot;list_tag_selection&quot;:&quot;&quot;,&quot;list_items_wrapper_tag&quot;:&quot;div&quot;,&quot;list_item_tag&quot;:&quot;div&quot;,&quot;empty_items_wrapper_tag&quot;:&quot;div&quot;}}\" data-page=\"1\" data-pages=\"9\" data-listing-source=\"posts\" data-listing-id=\"3840\" data-query-id=\"\"><div class=\"jet-listing-grid__item jet-listing-dynamic-post-4316\" data-post-id=\"4316\"  ><div class=\"jet-engine-listing-overlay-wrap\" data-url=\"https:\/\/www.ipe.com\/news\/industry-voices-caution-on-supervisory-expansion-in-swiss-pension-reform-debate\/10136172.article\" data-target=\"_blank\">\t\t<div data-elementor-type=\"jet-listing-items\" data-elementor-id=\"3840\" class=\"elementor elementor-3840\" data-elementor-post-type=\"jet-engine\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e6d2a80 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"e6d2a80\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5272200\" data-id=\"5272200\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ace9509 elementor-widget elementor-widget-jet-listing-dynamic-field\" data-id=\"ace9509\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jet-listing-dynamic-field.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"jet-listing jet-listing-dynamic-field display-inline\"><div class=\"jet-listing-dynamic-field__inline-wrap\"><i class=\"jet-listing-dynamic-field__icon fas fa-calendar-day\" aria-hidden=\"true\"><\/i><div class=\"jet-listing-dynamic-field__content\" >14. avril 2026<\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cadd43f elementor-widget__width-initial acs-media-title elementor-widget elementor-widget-jet-listing-dynamic-field\" data-id=\"cadd43f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jet-listing-dynamic-field.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"jet-listing jet-listing-dynamic-field display-inline\"><div class=\"jet-listing-dynamic-field__inline-wrap\"><div class=\"jet-listing-dynamic-field__content\" >IPE: Industry voices caution on supervisory expansion in Swiss pension reform debate<\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d89d33 elementor-widget__width-auto elementor-widget elementor-widget-jet-listing-dynamic-link\" data-id=\"2d89d33\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"acs-external-arrow\" data-widget_type=\"jet-listing-dynamic-link.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"jet-listing jet-listing-dynamic-link\"><a href=\"https:\/\/www.ipe.com\/news\/industry-voices-caution-on-supervisory-expansion-in-swiss-pension-reform-debate\/10136172.article\" class=\"jet-listing-dynamic-link__link\" target=\"_blank\"><i class=\"jet-listing-dynamic-link__icon fas fa-arrow-up\" aria-hidden=\"true\"><\/i><\/a><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t<a href=\"https:\/\/www.ipe.com\/news\/industry-voices-caution-on-supervisory-expansion-in-swiss-pension-reform-debate\/10136172.article\" class=\"jet-engine-listing-overlay-link\" target=\"_blank\"><\/a><\/div><\/div><div class=\"jet-listing-grid__item jet-listing-dynamic-post-4296\" data-post-id=\"4296\"  ><div class=\"jet-engine-listing-overlay-wrap\" data-url=\"https:\/\/www.letemps.ch\/economie\/finance\/le-plafonnement-des-interets-verses-aux-assures-met-le-secteur-de-la-prevoyance-en-ebullition\" data-target=\"_blank\">\t\t<div data-elementor-type=\"jet-listing-items\" data-elementor-id=\"3840\" class=\"elementor elementor-3840\" data-elementor-post-type=\"jet-engine\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e6d2a80 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"e6d2a80\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5272200\" data-id=\"5272200\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ace9509 elementor-widget elementor-widget-jet-listing-dynamic-field\" data-id=\"ace9509\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jet-listing-dynamic-field.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"jet-listing jet-listing-dynamic-field display-inline\"><div class=\"jet-listing-dynamic-field__inline-wrap\"><i class=\"jet-listing-dynamic-field__icon fas fa-calendar-day\" aria-hidden=\"true\"><\/i><div class=\"jet-listing-dynamic-field__content\" >22. f\u00e9vrier 2026<\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cadd43f elementor-widget__width-initial acs-media-title elementor-widget elementor-widget-jet-listing-dynamic-field\" data-id=\"cadd43f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jet-listing-dynamic-field.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"jet-listing jet-listing-dynamic-field display-inline\"><div class=\"jet-listing-dynamic-field__inline-wrap\"><div class=\"jet-listing-dynamic-field__content\" >Le Temps: Le plafonnement des int\u00e9r\u00eats vers\u00e9s aux assur\u00e9s met le secteur de la pr\u00e9voyance en \u00e9bullition<\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d89d33 elementor-widget__width-auto elementor-widget elementor-widget-jet-listing-dynamic-link\" data-id=\"2d89d33\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"acs-external-arrow\" data-widget_type=\"jet-listing-dynamic-link.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"jet-listing jet-listing-dynamic-link\"><a href=\"https:\/\/www.letemps.ch\/economie\/finance\/le-plafonnement-des-interets-verses-aux-assures-met-le-secteur-de-la-prevoyance-en-ebullition\" class=\"jet-listing-dynamic-link__link\" target=\"_blank\"><i class=\"jet-listing-dynamic-link__icon fas fa-arrow-up\" aria-hidden=\"true\"><\/i><\/a><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t<a href=\"https:\/\/www.letemps.ch\/economie\/finance\/le-plafonnement-des-interets-verses-aux-assures-met-le-secteur-de-la-prevoyance-en-ebullition\" class=\"jet-engine-listing-overlay-link\" target=\"_blank\"><\/a><\/div><\/div><div class=\"jet-listing-grid__item jet-listing-dynamic-post-4293\" data-post-id=\"4293\"  ><div class=\"jet-engine-listing-overlay-wrap\" data-url=\"https:\/\/www.handelszeitung.ch\/insurance\/unser-ziel-ist-es-vorsorge-verstandlicher-zu-machen-923170\" data-target=\"_blank\">\t\t<div data-elementor-type=\"jet-listing-items\" data-elementor-id=\"3840\" class=\"elementor elementor-3840\" data-elementor-post-type=\"jet-engine\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e6d2a80 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"e6d2a80\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5272200\" data-id=\"5272200\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ace9509 elementor-widget elementor-widget-jet-listing-dynamic-field\" data-id=\"ace9509\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jet-listing-dynamic-field.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"jet-listing jet-listing-dynamic-field display-inline\"><div class=\"jet-listing-dynamic-field__inline-wrap\"><i class=\"jet-listing-dynamic-field__icon fas fa-calendar-day\" aria-hidden=\"true\"><\/i><div class=\"jet-listing-dynamic-field__content\" >30. mars 2026<\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cadd43f elementor-widget__width-initial acs-media-title elementor-widget elementor-widget-jet-listing-dynamic-field\" data-id=\"cadd43f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jet-listing-dynamic-field.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"jet-listing jet-listing-dynamic-field display-inline\"><div class=\"jet-listing-dynamic-field__inline-wrap\"><div class=\"jet-listing-dynamic-field__content\" >Handelszeitung: \u00abUnser Ziel ist es, Vorsorge verst\u00e4ndlicher zu machen\u00bb<\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d89d33 elementor-widget__width-auto elementor-widget elementor-widget-jet-listing-dynamic-link\" data-id=\"2d89d33\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"acs-external-arrow\" data-widget_type=\"jet-listing-dynamic-link.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"jet-listing jet-listing-dynamic-link\"><a href=\"https:\/\/www.handelszeitung.ch\/insurance\/unser-ziel-ist-es-vorsorge-verstandlicher-zu-machen-923170\" class=\"jet-listing-dynamic-link__link\" target=\"_blank\"><i class=\"jet-listing-dynamic-link__icon fas fa-arrow-up\" aria-hidden=\"true\"><\/i><\/a><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t<a href=\"https:\/\/www.handelszeitung.ch\/insurance\/unser-ziel-ist-es-vorsorge-verstandlicher-zu-machen-923170\" class=\"jet-engine-listing-overlay-link\" target=\"_blank\"><\/a><\/div><\/div><div class=\"jet-listing-grid__item jet-listing-dynamic-post-4286\" data-post-id=\"4286\"  ><div class=\"jet-engine-listing-overlay-wrap\" data-url=\"https:\/\/www.handelszeitung.ch\/insurance\/pensionskassenverbande-laufen-sturm-gegen-neue-zinsregulierung-652398\" data-target=\"_blank\">\t\t<div data-elementor-type=\"jet-listing-items\" data-elementor-id=\"3840\" class=\"elementor elementor-3840\" data-elementor-post-type=\"jet-engine\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e6d2a80 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"e6d2a80\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5272200\" data-id=\"5272200\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ace9509 elementor-widget elementor-widget-jet-listing-dynamic-field\" data-id=\"ace9509\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jet-listing-dynamic-field.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"jet-listing jet-listing-dynamic-field display-inline\"><div class=\"jet-listing-dynamic-field__inline-wrap\"><i class=\"jet-listing-dynamic-field__icon fas fa-calendar-day\" aria-hidden=\"true\"><\/i><div class=\"jet-listing-dynamic-field__content\" >2. novembre 2023<\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cadd43f elementor-widget__width-initial acs-media-title elementor-widget elementor-widget-jet-listing-dynamic-field\" data-id=\"cadd43f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jet-listing-dynamic-field.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"jet-listing jet-listing-dynamic-field display-inline\"><div class=\"jet-listing-dynamic-field__inline-wrap\"><div class=\"jet-listing-dynamic-field__content\" >Handelszeitung: Pensionskassenverb\u00e4nde laufen Sturm gegen neue Zinsregulierung<\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d89d33 elementor-widget__width-auto elementor-widget elementor-widget-jet-listing-dynamic-link\" data-id=\"2d89d33\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"acs-external-arrow\" data-widget_type=\"jet-listing-dynamic-link.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"jet-listing jet-listing-dynamic-link\"><a href=\"https:\/\/www.handelszeitung.ch\/insurance\/pensionskassenverbande-laufen-sturm-gegen-neue-zinsregulierung-652398\" class=\"jet-listing-dynamic-link__link\" target=\"_blank\"><i class=\"jet-listing-dynamic-link__icon fas fa-arrow-up\" aria-hidden=\"true\"><\/i><\/a><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t<a href=\"https:\/\/www.handelszeitung.ch\/insurance\/pensionskassenverbande-laufen-sturm-gegen-neue-zinsregulierung-652398\" class=\"jet-engine-listing-overlay-link\" target=\"_blank\"><\/a><\/div><\/div><div class=\"jet-listing-grid__item jet-listing-dynamic-post-4259\" data-post-id=\"4259\"  ><div class=\"jet-engine-listing-overlay-wrap\" data-url=\"https:\/\/www.soziale-sicherheit.ch\/home\/es-kommt-spuerbar-bewegung\/\" data-target=\"_blank\">\t\t<div data-elementor-type=\"jet-listing-items\" data-elementor-id=\"3840\" class=\"elementor elementor-3840\" data-elementor-post-type=\"jet-engine\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e6d2a80 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"e6d2a80\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5272200\" data-id=\"5272200\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ace9509 elementor-widget elementor-widget-jet-listing-dynamic-field\" data-id=\"ace9509\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jet-listing-dynamic-field.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"jet-listing jet-listing-dynamic-field display-inline\"><div class=\"jet-listing-dynamic-field__inline-wrap\"><i class=\"jet-listing-dynamic-field__icon fas fa-calendar-day\" aria-hidden=\"true\"><\/i><div class=\"jet-listing-dynamic-field__content\" >11. f\u00e9vrier 2026<\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cadd43f elementor-widget__width-initial acs-media-title elementor-widget elementor-widget-jet-listing-dynamic-field\" data-id=\"cadd43f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jet-listing-dynamic-field.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"jet-listing jet-listing-dynamic-field display-inline\"><div class=\"jet-listing-dynamic-field__inline-wrap\"><div class=\"jet-listing-dynamic-field__content\" >AWP Soziale Sicherheit: \u00abEs kommt sp\u00fcrbar Bewegung\u00bb<\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d89d33 elementor-widget__width-auto elementor-widget elementor-widget-jet-listing-dynamic-link\" data-id=\"2d89d33\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"acs-external-arrow\" data-widget_type=\"jet-listing-dynamic-link.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"jet-listing jet-listing-dynamic-link\"><a href=\"https:\/\/www.soziale-sicherheit.ch\/home\/es-kommt-spuerbar-bewegung\/\" class=\"jet-listing-dynamic-link__link\" target=\"_blank\"><i class=\"jet-listing-dynamic-link__icon fas fa-arrow-up\" aria-hidden=\"true\"><\/i><\/a><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t<a href=\"https:\/\/www.soziale-sicherheit.ch\/home\/es-kommt-spuerbar-bewegung\/\" class=\"jet-engine-listing-overlay-link\" target=\"_blank\"><\/a><\/div><\/div><div class=\"jet-listing-grid__item jet-listing-dynamic-post-4247\" data-post-id=\"4247\"  ><div class=\"jet-engine-listing-overlay-wrap\" data-url=\"https:\/\/www.ipe.com\/news\/swiss-pension-funds-pushed-towards-consolidation-by-costs-and-talent-squeeze\/10134955.article\" data-target=\"_blank\">\t\t<div data-elementor-type=\"jet-listing-items\" data-elementor-id=\"3840\" class=\"elementor elementor-3840\" data-elementor-post-type=\"jet-engine\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e6d2a80 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"e6d2a80\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5272200\" data-id=\"5272200\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ace9509 elementor-widget elementor-widget-jet-listing-dynamic-field\" data-id=\"ace9509\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jet-listing-dynamic-field.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"jet-listing jet-listing-dynamic-field display-inline\"><div class=\"jet-listing-dynamic-field__inline-wrap\"><i class=\"jet-listing-dynamic-field__icon fas fa-calendar-day\" aria-hidden=\"true\"><\/i><div class=\"jet-listing-dynamic-field__content\" >3. f\u00e9vrier 2026<\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cadd43f elementor-widget__width-initial acs-media-title elementor-widget elementor-widget-jet-listing-dynamic-field\" data-id=\"cadd43f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jet-listing-dynamic-field.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"jet-listing jet-listing-dynamic-field display-inline\"><div class=\"jet-listing-dynamic-field__inline-wrap\"><div class=\"jet-listing-dynamic-field__content\" >IPE: swiss pension funds pushed towards consolidation by costs and talent squeeze<\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d89d33 elementor-widget__width-auto elementor-widget elementor-widget-jet-listing-dynamic-link\" data-id=\"2d89d33\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"acs-external-arrow\" data-widget_type=\"jet-listing-dynamic-link.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"jet-listing jet-listing-dynamic-link\"><a href=\"https:\/\/www.ipe.com\/news\/swiss-pension-funds-pushed-towards-consolidation-by-costs-and-talent-squeeze\/10134955.article\" class=\"jet-listing-dynamic-link__link\" target=\"_blank\"><i class=\"jet-listing-dynamic-link__icon fas fa-arrow-up\" aria-hidden=\"true\"><\/i><\/a><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t<a href=\"https:\/\/www.ipe.com\/news\/swiss-pension-funds-pushed-towards-consolidation-by-costs-and-talent-squeeze\/10134955.article\" class=\"jet-engine-listing-overlay-link\" target=\"_blank\"><\/a><\/div><\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f5e0f9a elementor-align-center elementor-tablet-align-left entries_no_padding elementor-widget elementor-widget-button\" data-id=\"f5e0f9a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/inter-pension.ch\/fr\/news\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewbox=\"0 0 32 32\" fill=\"none\"><circle cx=\"16\" cy=\"16\" r=\"16\" fill=\"#1A171B\"><\/circle><path d=\"M16.1712 16.0005L13.3428 13.172L14.757 11.7578L18.9996 16.0005L14.757 20.2431L13.3428 18.8289L16.1712 16.0005Z\" fill=\"white\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Afficher plus d\u2019articles<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Berufliche Vorsorge betrifft uns alle Sicherheit im Alter. Schutz bei Krankheit. Unterst\u00fctzung f\u00fcr Ihre Familie. Die berufliche Vorsorge ist ein tragender Pfeiler unseres sozialen Zusammenhalts. Was f\u00fcr viele nach trockener Administration klingt, ist in Wahrheit ein Schutzschirm f\u00fcr uns alle. Die berufliche Vorsorge ist ein verl\u00e4sslicher Partner durchs Leben \u2013 sie sichert Einkommen, sorgt f\u00fcr [&hellip;]<\/p>","protected":false},"author":6,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-3067","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/inter-pension.ch\/fr\/wp-json\/wp\/v2\/pages\/3067","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/inter-pension.ch\/fr\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/inter-pension.ch\/fr\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/inter-pension.ch\/fr\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/inter-pension.ch\/fr\/wp-json\/wp\/v2\/comments?post=3067"}],"version-history":[{"count":544,"href":"https:\/\/inter-pension.ch\/fr\/wp-json\/wp\/v2\/pages\/3067\/revisions"}],"predecessor-version":[{"id":4125,"href":"https:\/\/inter-pension.ch\/fr\/wp-json\/wp\/v2\/pages\/3067\/revisions\/4125"}],"wp:attachment":[{"href":"https:\/\/inter-pension.ch\/fr\/wp-json\/wp\/v2\/media?parent=3067"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}