{"id":5810,"date":"2024-08-05T12:24:44","date_gmt":"2024-08-05T10:24:44","guid":{"rendered":"https:\/\/previs.previewlink.ch\/prevoyance\/pour-les-personnes-assurees\/retraite\/"},"modified":"2024-10-04T18:21:26","modified_gmt":"2024-10-04T16:21:26","slug":"retraite","status":"publish","type":"page","link":"https:\/\/previs.previewlink.ch\/fr\/prevoyance\/pour-les-personnes-assurees\/retraite\/","title":{"rendered":"Retraite"},"content":{"rendered":"","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":3535,"parent":5745,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-5810","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Retraite | Previs Vorsorge<\/title>\n<meta name=\"robots\" content=\"noindex, 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Vorsorge"},"image":{"@id":"https:\/\/previs.previewlink.ch\/fr\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.linkedin.com\/company\/previsvorsorge\/"]}]}},"acf":{"page_banner_options":{"banner_type":"simple"},"hero_options":{"image_desktop":null,"image_tablet":null,"image_mobile":null,"hero_title":"","hero_style":"hero-light","hero_bg_anchor":"center","brand_icon":"noicon"},"slider_options":{"options":{"bgcolor":"","slider_style":"slider-light","brand_icon":"noicon","autoplay":false,"timeout":5000,"pause":false},"slider":null},"image_options":{"options":{"bgcolor":"","flip":false},"details":{"title":"","description":"","buttons":null},"image":null},"simple_options":{"title":"Retraite","title_type":"h1","color_title":"","bgcolor":"#fef1dc","description":"Qui ne r\u00eave pas de partir \u00e0 la retraite? Pour pouvoir aborder sereinement la troisi\u00e8me \u00e9tape de sa vie sur le plan financier, il convient de faire le point sur sa pr\u00e9voyance vieillesse suffisamment t\u00f4t."},"sections":[{"acf_fc_layout":"section-flexible-content","status":false,"section_id":"","bgsection":"","padding":"both","add_toc":false,"content":[{"acf_fc_layout":"element-title","status":false,"element_id":"","title":"A l\u2019approche de l\u2019\u00e2ge de la retraite","title_type":"h2"},{"acf_fc_layout":"element-text","status":false,"group":null,"text_size":"large","text":"Retraite anticip\u00e9e, ordinaire, diff\u00e9r\u00e9e ou partielle: le moment o\u00f9 vous prenez votre pension a un impact sur vos revenus une fois retrait\u00e9-e."},{"acf_fc_layout":"element-text","status":false,"group":null,"text_size":"normal","text":"A la Previs, l\u2019\u00e2ge ordinaire de la retraite pour les femmes et les hommes est fix\u00e9 \u00e0 65 ans. La personne assur\u00e9e a la possibilit\u00e9 de prendre une retraite anticip\u00e9e entre son 58e anniversaire et l\u2019\u00e2ge ordinaire de la retraite. Le d\u00e9part \u00e0 la retraite peut \u00eatre diff\u00e9r\u00e9 au maximum jusqu\u2019au 70e anniversaire.\r\n\r\nL\u2019avoir de vieillesse disponible est converti en une rente de vieillesse vers\u00e9e \u00e0 vie \u00e0 l\u2019aide du taux de conversion. Ce taux varie selon l\u2019\u00e2ge du d\u00e9part \u00e0 la retraite. Il est conseill\u00e9 de planifier son d\u00e9part \u00e0 la retraite suffisamment t\u00f4t afin de pouvoir conserver son niveau de vie habituel apr\u00e8s celui-ci."}]},{"acf_fc_layout":"section-flexible-content","status":false,"section_id":"","bgsection":"","padding":"bottom","add_toc":false,"content":[{"acf_fc_layout":"element-title","status":false,"element_id":"questions-et-reponses","title":"Questions et r\u00e9ponses","title_type":"h3"},{"acf_fc_layout":"element-spacer","status":false,"group":null,"space_size":"nm"},{"acf_fc_layout":"element-accordion","status":false,"accordion":[{"element_id":"conversion","title":"Quels sont les taux de conversion de l\u2019avoir de vieillesse en vigueur?","content":[{"acf_fc_layout":"acc-text","text":"Le tableau ci-dessous indique les taux de conversion en vigueur. Ces derniers sont identiques pour les femmes et les hommes."},{"acf_fc_layout":"acc-table","group":null,"add_legend":true,"table":{"t":{"o":{"ct":"ed","cols":2,"rows":13,"uf":"n","uh":"y","tb":"basic","changed":true}},"c":[{"c":[{"c":"","o":[]},{"c":"","o":{"tb":""}}],"o":[]}],"b":[{"c":[{"c":"<p style=\"text-align: right;\">58<\/p>","o":[]},{"c":"<p style=\"text-align: right;\">4.52<\/p>","o":[]}],"o":[]},{"c":[{"c":"<p style=\"text-align: right;\">59<\/p>","o":[]},{"c":"<p style=\"text-align: right;\">4.66<\/p>","o":[]}],"o":[]},{"c":[{"c":"<p style=\"text-align: right;\">60<\/p>","o":[]},{"c":"<p style=\"text-align: right;\">4.80<\/p>","o":[]}],"o":[]},{"c":[{"c":"<p style=\"text-align: right;\">61<\/p>","o":[]},{"c":"<p style=\"text-align: right;\">4.94<\/p>","o":[]}],"o":[]},{"c":[{"c":"<p style=\"text-align: right;\">62<\/p>","o":[]},{"c":"<p style=\"text-align: right;\">5.08<\/p>","o":[]}],"o":[]},{"c":[{"c":"<p style=\"text-align: right;\">63<\/p>","o":[]},{"c":"<p style=\"text-align: right;\">5.22<\/p>","o":[]}],"o":[]},{"c":[{"c":"<p style=\"text-align: right;\">64<\/p>","o":[]},{"c":"<p style=\"text-align: right;\">5.36<\/p>","o":[]}],"o":[]},{"c":[{"c":"<p style=\"text-align: right;\">65<\/p>","o":[]},{"c":"<p style=\"text-align: right;\">5.50<\/p>","o":[]}],"o":[]},{"c":[{"c":"<p style=\"text-align: right;\">66<\/p>","o":[]},{"c":"<p style=\"text-align: right;\">5.64<\/p>","o":[]}],"o":[]},{"c":[{"c":"<p style=\"text-align: right;\">67<\/p>","o":[]},{"c":"<p style=\"text-align: right;\">5.78<\/p>","o":[]}],"o":[]},{"c":[{"c":"<p style=\"text-align: right;\">68<\/p>","o":[]},{"c":"<p style=\"text-align: right;\">5.92<\/p>","o":[]}],"o":[]},{"c":[{"c":"<p style=\"text-align: right;\">69<\/p>","o":[]},{"c":"<p style=\"text-align: right;\">6.06<\/p>","o":[]}],"o":[]},{"c":[{"c":"<p style=\"text-align: right;\">70<\/p>","o":[]},{"c":"<p style=\"text-align: right;\">6.20<\/p>","o":[]}],"o":[]}],"f":[{"c":[{"c":"","o":[]},{"c":"","o":[]}],"o":[]}],"h":[{"c":[{"c":"<p style=\"text-align: right;\">Age au moment de la retraite<\/p>","o":[]},{"c":"<p style=\"text-align: right;\">Taux de conversion en %<\/p>","o":[]}],"o":[]}],"p":{"v":"1.2.2","fk":"field_66cc42d71eac2","fn":"table"}},"legend":"Les taux de conversion seront r\u00e9duits \u00e0 la valeur cible de 5,0% entre 2025 et 2029 (cf. r\u00e8glement de pr\u00e9voyance valable \u00e0 partir de 2023, annexe 1).","tooltips":null}]},{"element_id":"","title":"Puis-je choisir entre rente et capital?","content":[{"acf_fc_layout":"acc-text","text":"Oui, au moment de la retraite, tant les personnes assur\u00e9es actives que les b\u00e9n\u00e9ficiaires de prestations d\u2019invalidit\u00e9 peuvent percevoir la prestation de vieillesse sous forme de capital. Il est \u00e9galement possible de demander un versement partiel en capital. Il n\u2019existe aucun droit \u00e0 une rentre de vieillesse ni \u00e0 des prestations futures pour la part de la prestation de vieillesse vers\u00e9e sous forme de capital.\r\n\r\nIl n\u2019est pas possible de dire d\u2019office si une rente ou le capital est plus indiqu\u00e9 dans votre cas. Cela d\u00e9pend beaucoup de votre situation financi\u00e8re personnelle. Pour vous aider \u00e0 faire votre choix, vous pouvez effectuer une simulation de vos prestations sur PrevisConnect."}]},{"element_id":"","title":"Que faut-il prendre en compte en cas de retraite anticip\u00e9e?","content":[{"acf_fc_layout":"acc-text","text":"<div class=\"ewa-rteLine\">\r\n\r\nSur le plan l\u00e9gal, le moment auquel une rente de vieillesse peut \u00eatre obtenue est fix\u00e9 diff\u00e9remment dans l\u2019AVS et dans la pr\u00e9voyance professionnelle (LPP). La rente de vieillesse AVS peut ainsi \u00eatre obtenue de mani\u00e8re anticip\u00e9e, soit deux ans soit un an avant l\u2019\u00e2ge de r\u00e9f\u00e9rence. Dans le r\u00e9gime LPP, une retraite anticip\u00e9e est possible d\u00e8s 58\u00a0ans. Elle est toujours li\u00e9e \u00e0 une r\u00e9duction \u00e0 vie de la rente de vieillesse. <a href=\"https:\/\/previs.previewlink.ch\/fr\/prevoyance\/pour-les-personnes-assurees\/retraite\/#conversion\">Le taux de conversion<\/a>\u00a0diminue de 0.14% par ann\u00e9e. Les personnes souhaitant partir \u00e0 la retraite avant 65\u00a0ans ont donc tout int\u00e9r\u00eat \u00e0 faire leurs calculs.\r\n\r\nA titre de compensation jusqu\u2019au droit \u00e0 la rente de vieillesse AVS \u00e0 l\u2019\u00e2ge de r\u00e9f\u00e9rence, la personne assur\u00e9e peut demander une rente transitoire \u00e0 la Previs. Cette rente transitoire n\u2019est cependant vers\u00e9e que si elle a \u00e9t\u00e9 financ\u00e9e au pr\u00e9alable. Si ce n\u2019est pas le cas, elle entra\u00eene la r\u00e9duction ult\u00e9rieure de la rente de vieillesse. Elle sert \u00e0 compenser la rente de vieillesse AVS que la personne assur\u00e9e ne per\u00e7oit pas encore. Le montant de la rente transitoire peut \u00eatre choisi librement, mais ne peut d\u00e9passer la rente de vieillesse AVS maximale.\r\n\r\n<\/div>"}]},{"element_id":"","title":"Que faut-il prendre en compte en cas de retraite diff\u00e9r\u00e9e?","content":[{"acf_fc_layout":"acc-text","text":"Si la personne assur\u00e9e continue d\u2019exercer une activit\u00e9 lucrative aupr\u00e8s de son employeur\/euse actuel au-del\u00e0 de l\u2019\u00e2ge de r\u00e9f\u00e9rence, elle peut choisir de payer ou non des cotisations pendant le maintien de l\u2019assurance. La pr\u00e9voyance peut \u00eatre maintenue avec ou sans versement de cotisations jusqu\u2019au 70e anniversaire au plus tard.\r\n\r\nUne demande \u00e9crite doit \u00eatre soumise \u00e0 la fondation au plus tard 30\u00a0jours avant l\u2019\u00e2ge de r\u00e9f\u00e9rence. Le maintien demand\u00e9 s\u2019applique pendant toute la dur\u00e9e de la couverture d\u2019assurance sans modification possible.\r\n\r\nA 65\u00a0ans, <a href=\"https:\/\/previs.previewlink.ch\/fr\/prevoyance\/pour-les-personnes-assurees\/retraite\/#conversion\">le taux de conversion<\/a> est augment\u00e9 pour chaque ann\u00e9e suppl\u00e9mentaire.\r\n\r\n<strong>Exemple:<\/strong>"},{"acf_fc_layout":"acc-table","group":null,"add_legend":false,"table":{"t":{"o":{"ct":"ed","cols":2,"rows":3,"uf":"n","uh":"n","tb":"basic","changed":true}},"c":[{"c":[{"c":"","o":[]},{"c":"","o":[]}],"o":[]}],"b":[{"c":[{"c":"<p style=\"text-align: right;\">Retraite ajourn\u00e9e jusqu\u2019\u00e0 67 ans<\/p>","o":{"tb":""}},{"c":"<p style=\"text-align: right;\">CHF<\/p>","o":[]}],"o":[]},{"c":[{"c":"<p style=\"text-align: right;\">Avoir de vieillesse disponible (65 ans)<br>\u00d7 taux de conversion de 5.5% (65 ans)<br>Rente de vieillesse mensuelle<\/p>","o":[]},{"c":"<p style=\"text-align: right;\">260'920.00<br>14'350.60<br>1'195.90<\/p>","o":[]}],"o":[]},{"c":[{"c":"<p style=\"text-align: right;\">Avoir de vieillesse disponible (67 ans)<br>\u00d7 taux de conversion de 6.10% (67 ans)<br><strong>Rente de vieillesse mensuelle augment\u00e9e<\/strong><\/p>","o":[]},{"c":"<p style=\"text-align: right;\">283'069.50<br>16'361.40<br><strong>1'363.45<\/strong><\/p>","o":[]}],"o":[]}],"f":[{"c":[{"c":"","o":[]},{"c":"","o":[]}],"o":[]}],"h":[{"c":[{"c":"","o":[]},{"c":"","o":[]}],"o":[]}],"p":{"v":"1.2.2","fk":"field_66cc42d71eac2","fn":"table"}},"legend":"","tooltips":null}]},{"element_id":"","title":"Que faut-il prendre en compte en cas de retraite partielle?","content":[{"acf_fc_layout":"acc-text","text":"<div class=\"ewa-rteLine\">\r\n\r\nIl est possible de prendre une retraite partielle \u00e0 partir de 58\u00a0ans.\r\nIl convient pour ce faire de remplir l\u2019ensemble des conditions suivantes:\r\n<ul>\r\n \t<li>Le salaire annuel doit \u00eatre r\u00e9duit de mani\u00e8re notable et durable, mais au minimum de 20%. Le nouveau salaire annuel d\u00e9terminant ne peut pas \u00eatre inf\u00e9rieur au seuil d\u2019entr\u00e9e d\u00e9fini dans le plan de pr\u00e9voyance.<\/li>\r\n \t<li>La retraite partielle peut \u00eatre prise de mani\u00e8re \u00e9chelonn\u00e9e, au maximum en trois temps. Il doit s\u2019\u00e9couler au minimum un an entre les diff\u00e9rentes \u00e9tapes, la troisi\u00e8me \u00e9tape d\u00e9clenchant automatiquement la retraite compl\u00e8te.<\/li>\r\n \t<li>Le versement de la prestation de vieillesse sous forme de capital ne peut intervenir en plus de trois temps, une \u00e9tape englobant tous les retraits sous forme de capital intervenus au cours d\u2019une ann\u00e9e civile.<\/li>\r\n \t<li>Les prestations de vieillesse doivent \u00eatre vers\u00e9es \u00e0 hauteur de la r\u00e9duction du salaire annuel.<\/li>\r\n<\/ul>\r\n<\/div>"}]},{"element_id":"","title":"Perte de l\u2019emploi \u00e0 partir de 58 ans: puis-je continuer \u00e0 cotiser pour la pr\u00e9voyance professionnelle?","content":[{"acf_fc_layout":"acc-text","text":"Vous trouverez toutes les informations n\u00e9cessaires dans la rubrique \u00ab<a href=\"https:\/\/previs.previewlink.ch\/vorsorge\/fuer-versicherte\/weiterversicherung\/\">Maintien de l\u2019assurance \u00e0 partir de 58 ans<\/a>\u00bb."}]},{"element_id":"","title":"Qu\u2019advient-il de ma rente de vieillesse lorsque je d\u00e9c\u00e8de?","content":[{"acf_fc_layout":"acc-text","text":"Vous trouverez toutes les informations dans la rubrique \u00ab<a href=\"https:\/\/previs.previewlink.ch\/vorsorge\/fuer-versicherte\/todesfall\/\">D\u00e9c\u00e8s<\/a>\u00bb."}]}]}]},{"acf_fc_layout":"section-cta","status":false,"section_id":"","bgsection":"#fef1dc","padding":"both","type":"cta-center","style":"cta-white","flip":false,"title":"Vous avez des questions concernant la retraite?","title_type":"h2","image":null,"video":"","media_type":"image","text":"Contactez-nous. Nous y r\u00e9pondrons avec plaisir.","buttons":[{"text":"Contact","type":"internal","style":"btn-primary","link":646,"anchor":"","url":"mailto:leistungen@previs.ch"},{"text":"Connexion pour les personnes assur\u00e9es","type":"internal","style":"btn-primary","link":1009,"anchor":"#appli-destinee-assur\u00e9s","url":""}]},{"acf_fc_layout":"section-flexible-content","status":false,"section_id":"","bgsection":"","padding":"top","add_toc":false,"content":[{"acf_fc_layout":"element-title","status":false,"element_id":"telechargements","title":"T\u00e9l\u00e9chargements","title_type":"h2"},{"acf_fc_layout":"element-spacer","status":false,"group":null,"space_size":"nm"},{"acf_fc_layout":"element-filtered-list","status":false,"list":[{"text":"Feuille d'information: Ce qu'il faut savoir sur la retraite (PDF)","type":"pdfs","description":"","link":null,"anchor":"","url":"https:\/\/previs.previewlink.ch\/wp-content\/uploads\/2024\/09\/Wissenswertes_Pensionierung_FR.pdf"},{"text":"Formulaire de mutations pour les b\u00e9n\u00e9ficiaires des rentes (PDF)","type":"pdfs","description":"","link":null,"anchor":"","url":"https:\/\/previs.previewlink.ch\/wp-content\/uploads\/2024\/09\/Mutations_beneficiaires_des_rentes_FR.pdf"},{"text":"R\u00e8glement de pr\u00e9voyance (PDF)","type":"pdfs","description":"","link":null,"anchor":"","url":"https:\/\/previs.previewlink.ch\/wp-content\/uploads\/2024\/09\/2024_VoR-2024_FR_Nachtrag_240425.pdf"}]}]},{"acf_fc_layout":"section-cta","status":false,"section_id":"","bgsection":"","padding":"top","type":"cta-compact","style":"cta-blue","flip":false,"title":"Certificat de pr\u00e9voyance","title_type":"h2","image":null,"video":"","media_type":"image","text":"Votre certificat de pr\u00e9voyance contient toutes les donn\u00e9es relatives \u00e0 votre pr\u00e9voyance professionnelle. D\u00e9couvrez l\u2019explication des diff\u00e9rents \u00e9l\u00e9ments qui y figurent.","buttons":[{"text":"En savoir plus","type":"internal","style":"btn-white","link":907,"anchor":"","url":""}]},{"acf_fc_layout":"section-related-pages","status":false,"section_id":"","bgsection":"","padding":"both","title":"Autres sujets qui pourraient vous int\u00e9resser","title_type":"h2","text":"","pages":[{"page":931},{"page":911},{"page":781}]}]},"publishpress_future_action":{"enabled":false,"date":"2026-04-25 18:30:49","action":"change-status","newStatus":"draft","terms":[],"taxonomy":"translation_priority"},"_links":{"self":[{"href":"https:\/\/previs.previewlink.ch\/fr\/api\/wp\/v2\/pages\/5810"}],"collection":[{"href":"https:\/\/previs.previewlink.ch\/fr\/api\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/previs.previewlink.ch\/fr\/api\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/previs.previewlink.ch\/fr\/api\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/previs.previewlink.ch\/fr\/api\/wp\/v2\/comments?post=5810"}],"version-history":[{"count":12,"href":"https:\/\/previs.previewlink.ch\/fr\/api\/wp\/v2\/pages\/5810\/revisions"}],"predecessor-version":[{"id":8012,"href":"https:\/\/previs.previewlink.ch\/fr\/api\/wp\/v2\/pages\/5810\/revisions\/8012"}],"up":[{"embeddable":true,"href":"https:\/\/previs.previewlink.ch\/fr\/api\/wp\/v2\/pages\/5745"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/previs.previewlink.ch\/fr\/api\/wp\/v2\/media\/3535"}],"wp:attachment":[{"href":"https:\/\/previs.previewlink.ch\/fr\/api\/wp\/v2\/media?parent=5810"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}