{"id":6015,"date":"2025-08-28T11:07:06","date_gmt":"2025-08-28T09:07:06","guid":{"rendered":"https:\/\/pointcapital.ch\/epargner-pour-la-retraite-poser-les-bases-des-maintenant\/"},"modified":"2025-11-19T10:39:30","modified_gmt":"2025-11-19T09:39:30","slug":"epargner-pour-la-retraite-poser-les-bases-des-maintenant","status":"publish","type":"post","link":"https:\/\/pointcapital.ch\/fr\/epargner-pour-la-retraite-poser-les-bases-des-maintenant\/","title":{"rendered":"Epargner pour la retraite : poser les bases d\u00e8s maintenant"},"content":{"rendered":"[vc_row type=\u00a0\u00bbin_container\u00a0\u00bb full_screen_row_position=\u00a0\u00bbmiddle\u00a0\u00bb column_margin=\u00a0\u00bbdefault\u00a0\u00bb column_direction=\u00a0\u00bbdefault\u00a0\u00bb column_direction_tablet=\u00a0\u00bbdefault\u00a0\u00bb column_direction_phone=\u00a0\u00bbdefault\u00a0\u00bb scene_position=\u00a0\u00bbcenter\u00a0\u00bb text_color=\u00a0\u00bbdark\u00a0\u00bb text_align=\u00a0\u00bbleft\u00a0\u00bb row_border_radius=\u00a0\u00bbnone\u00a0\u00bb row_border_radius_applies=\u00a0\u00bbbg\u00a0\u00bb overflow=\u00a0\u00bbvisible\u00a0\u00bb overlay_strength=\u00a0\u00bb0.3\u2033 gradient_direction=\u00a0\u00bbleft_to_right\u00a0\u00bb shape_divider_position=\u00a0\u00bbbottom\u00a0\u00bb bg_image_animation=\u00a0\u00bbnone\u00a0\u00bb][vc_column column_padding=\u00a0\u00bbno-extra-padding\u00a0\u00bb column_padding_tablet=\u00a0\u00bbinherit\u00a0\u00bb column_padding_phone=\u00a0\u00bbinherit\u00a0\u00bb column_padding_position=\u00a0\u00bball\u00a0\u00bb column_element_direction_desktop=\u00a0\u00bbdefault\u00a0\u00bb column_element_spacing=\u00a0\u00bbdefault\u00a0\u00bb desktop_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb tablet_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb phone_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb background_color_opacity=\u00a0\u00bb1\u2033 background_hover_color_opacity=\u00a0\u00bb1\u2033 column_backdrop_filter=\u00a0\u00bbnone\u00a0\u00bb column_shadow=\u00a0\u00bbnone\u00a0\u00bb column_border_radius=\u00a0\u00bbnone\u00a0\u00bb column_link_target=\u00a0\u00bb_self\u00a0\u00bb column_position=\u00a0\u00bbdefault\u00a0\u00bb gradient_direction=\u00a0\u00bbleft_to_right\u00a0\u00bb overlay_strength=\u00a0\u00bb0.3\u2033 width=\u00a0\u00bb1\/1\u2033 tablet_width_inherit=\u00a0\u00bbdefault\u00a0\u00bb animation_type=\u00a0\u00bbdefault\u00a0\u00bb bg_image_animation=\u00a0\u00bbnone\u00a0\u00bb border_type=\u00a0\u00bbsimple\u00a0\u00bb column_border_width=\u00a0\u00bbnone\u00a0\u00bb column_border_style=\u00a0\u00bbsolid\u00a0\u00bb][vc_column_text css=\u00a0\u00bb\u00a0\u00bb el_class=\u00a0\u00bbb-subheading\u00a0\u00bb text_direction=\u00a0\u00bbdefault\u00a0\u00bb]La retraite devrait \u00eatre une p\u00e9riode de tranquillit\u00e9 et de libert\u00e9 \u2013 et non d'incertitude. Pourtant, de nombreuses personnes se demandent : combien d'argent dois-je \u00e9pargner pour la retraite ? Mes r\u00e9serves seront-elles vraiment suffisantes pour r\u00e9aliser mes souhaits, m\u00eame apr\u00e8s ma vie professionnelle ?  <\/p>\n<p>La r\u00e9ponse : en se penchant tr\u00e8s t\u00f4t sur la question de l'\u00e9pargne pour la retraite, on gagne \u00e0 long terme plus que des int\u00e9r\u00eats \u2013 \u00e0 savoir la s\u00e9curit\u00e9, l'autod\u00e9termination et une marge de man\u0153uvre pour la planification. En effet, un patrimoine stable \u00e0 la retraite ne tombe pas du ciel, mais r\u00e9sulte de d\u00e9cisions intelligentes et pr\u00e9voyantes.[\/vc_column_text][vc_row_inner column_margin=\u00a0\u00bbdefault\u00a0\u00bb column_direction=\u00a0\u00bbdefault\u00a0\u00bb column_direction_tablet=\u00a0\u00bbdefault\u00a0\u00bb column_direction_phone=\u00a0\u00bbdefault\u00a0\u00bb text_align=\u00a0\u00bbleft\u00a0\u00bb row_position=\u00a0\u00bbdefault\u00a0\u00bb row_position_tablet=\u00a0\u00bbinherit\u00a0\u00bb row_position_phone=\u00a0\u00bbinherit\u00a0\u00bb overflow=\u00a0\u00bbvisible\u00a0\u00bb pointer_events=\u00a0\u00bball\u00a0\u00bb][vc_column_inner column_padding=\u00a0\u00bbno-extra-padding\u00a0\u00bb column_padding_tablet=\u00a0\u00bbinherit\u00a0\u00bb column_padding_phone=\u00a0\u00bbinherit\u00a0\u00bb column_padding_position=\u00a0\u00bball\u00a0\u00bb column_element_direction_desktop=\u00a0\u00bbdefault\u00a0\u00bb column_element_spacing=\u00a0\u00bbdefault\u00a0\u00bb desktop_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb tablet_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb phone_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb background_color_opacity=\u00a0\u00bb1\u2033 background_hover_color_opacity=\u00a0\u00bb1\u2033 column_backdrop_filter=\u00a0\u00bbnone\u00a0\u00bb column_shadow=\u00a0\u00bbnone\u00a0\u00bb column_border_radius=\u00a0\u00bbnone\u00a0\u00bb column_link_target=\u00a0\u00bb_self\u00a0\u00bb overflow=\u00a0\u00bbvisible\u00a0\u00bb gradient_direction=\u00a0\u00bbleft_to_right\u00a0\u00bb overlay_strength=\u00a0\u00bb0.3\u2033 width=\u00a0\u00bb1\/1\u2033 tablet_width_inherit=\u00a0\u00bbdefault\u00a0\u00bb animation_type=\u00a0\u00bbdefault\u00a0\u00bb bg_image_animation=\u00a0\u00bbnone\u00a0\u00bb border_type=\u00a0\u00bbsimple\u00a0\u00bb column_border_width=\u00a0\u00bbnone\u00a0\u00bb column_border_style=\u00a0\u00bbsolid\u00a0\u00bb][vc_column_text css=\u00a0\u00bb\u00a0\u00bb text_direction=\u00a0\u00bbdefault\u00a0\u00bb]\n<h2>Pourquoi l'\u00e9pargne pour la retraite est-elle plus importante que jamais ?<\/h2>\n[\/vc_column_text][vc_column_text css=\u00a0\u00bb\u00a0\u00bb text_direction=\u00a0\u00bbdefault\u00a0\u00bb]La pr\u00e9voyance vieillesse l\u00e9gale en Suisse \u2013 c'est-\u00e0-dire l'AVS et la caisse de pension \u2013 constitue certes une protection de base. Mais elle ne couvre souvent qu'une partie du niveau de vie habituel. Ce sont surtout les personnes disposant d'un revenu \u00e9lev\u00e9, travaillant \u00e0 temps partiel ou s'arr\u00eatant longtemps de travailler qui ressentent une lacune sensible dans leur pr\u00e9voyance \u00e0 la retraite.  <\/p>\n<p>Voici un aper\u00e7u de quelques-uns des principaux d\u00e9fis :<\/p>\n<ul>\n<li>L'\u00e9volution d\u00e9mographique accro\u00eet la pression sur les syst\u00e8mes publics<\/li>\n<li>La baisse des taux d'int\u00e9r\u00eat rend difficile la constitution d'un capital via les mod\u00e8les d'\u00e9pargne classiques<\/li>\n<li>Des p\u00e9riodes de retraite plus longues n\u00e9cessitent des r\u00e9serves plus importantes<\/li>\n<li>L'inflation r\u00e9duit le pouvoir d'achat du capital-retraite<\/li>\n<\/ul>\n<p>L'\u00e9pargne pour la retraite n'est donc pas un \u00ab\u00a0nice-to-have\u00a0\u00bb, mais une n\u00e9cessit\u00e9 strat\u00e9gique. En commen\u00e7ant t\u00f4t, on s'assure plus de stabilit\u00e9 et de libert\u00e9, ind\u00e9pendamment des \u00e9volutions politiques.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=\u00a0\u00bbdefault\u00a0\u00bb column_direction=\u00a0\u00bbdefault\u00a0\u00bb column_direction_tablet=\u00a0\u00bbdefault\u00a0\u00bb column_direction_phone=\u00a0\u00bbdefault\u00a0\u00bb text_align=\u00a0\u00bbleft\u00a0\u00bb row_position=\u00a0\u00bbdefault\u00a0\u00bb row_position_tablet=\u00a0\u00bbinherit\u00a0\u00bb row_position_phone=\u00a0\u00bbinherit\u00a0\u00bb overflow=\u00a0\u00bbvisible\u00a0\u00bb pointer_events=\u00a0\u00bball\u00a0\u00bb][vc_column_inner column_padding=\u00a0\u00bbno-extra-padding\u00a0\u00bb column_padding_tablet=\u00a0\u00bbinherit\u00a0\u00bb column_padding_phone=\u00a0\u00bbinherit\u00a0\u00bb column_padding_position=\u00a0\u00bball\u00a0\u00bb column_element_direction_desktop=\u00a0\u00bbdefault\u00a0\u00bb column_element_spacing=\u00a0\u00bbdefault\u00a0\u00bb desktop_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb tablet_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb phone_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb background_color_opacity=\u00a0\u00bb1\u2033 background_hover_color_opacity=\u00a0\u00bb1\u2033 column_backdrop_filter=\u00a0\u00bbnone\u00a0\u00bb column_shadow=\u00a0\u00bbnone\u00a0\u00bb column_border_radius=\u00a0\u00bbnone\u00a0\u00bb column_link_target=\u00a0\u00bb_self\u00a0\u00bb overflow=\u00a0\u00bbvisible\u00a0\u00bb gradient_direction=\u00a0\u00bbleft_to_right\u00a0\u00bb overlay_strength=\u00a0\u00bb0.3\u2033 width=\u00a0\u00bb1\/1\u2033 tablet_width_inherit=\u00a0\u00bbdefault\u00a0\u00bb animation_type=\u00a0\u00bbdefault\u00a0\u00bb bg_image_animation=\u00a0\u00bbnone\u00a0\u00bb border_type=\u00a0\u00bbsimple\u00a0\u00bb column_border_width=\u00a0\u00bbnone\u00a0\u00bb column_border_style=\u00a0\u00bbsolid\u00a0\u00bb][vc_column_text css=\u00a0\u00bb\u00a0\u00bb text_direction=\u00a0\u00bbdefault\u00a0\u00bb]\n<h2>Combien d'argent faut-il \u00e9pargner pour la retraite ?<\/h2>\n[\/vc_column_text][vc_column_text css=\u00a0\u00bb\u00a0\u00bb text_direction=\u00a0\u00bbdefault\u00a0\u00bb]Il est conseill\u00e9 de pr\u00e9voir environ <strong>80 \u00e0 90 % de son revenu net habituel<\/strong> comme revenu mensuel pour la retraite. Si vous souhaitez maintenir votre niveau de vie et rester ind\u00e9pendant financi\u00e8rement, vous devez commencer \u00e0 mettre en place une strat\u00e9gie de pr\u00e9voyance structur\u00e9e suffisamment t\u00f4t. <\/p>\n<p><strong>Exemple de calcul :<\/strong><br \/>\nPour un revenu mensuel de <strong>CHF 15\u2032000 net<\/strong>, on obtient une valeur cible de <strong>CHF 12\u2032000 \u00e0 13\u2032500 par mois<\/strong> pour la p\u00e9riode de retraite. Si l'on calcule une retraite de 20 ans, cela donne un besoin en capital d'environ <strong>CHF 3 \u00e0 3,2 millions<\/strong> \u2013 moins les prestations attendues de l'AVS et de la caisse de pension. <\/p>\n<p>Le d\u00e9ficit restant doit \u00eatre combl\u00e9 par <strong>des instruments de pr\u00e9voyance priv\u00e9s<\/strong> \u2013 structur\u00e9s, contr\u00f4l\u00e9s et adapt\u00e9s \u00e0 votre projet de vie individuel.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=\u00a0\u00bbdefault\u00a0\u00bb column_direction=\u00a0\u00bbdefault\u00a0\u00bb column_direction_tablet=\u00a0\u00bbdefault\u00a0\u00bb column_direction_phone=\u00a0\u00bbdefault\u00a0\u00bb text_align=\u00a0\u00bbleft\u00a0\u00bb row_position=\u00a0\u00bbdefault\u00a0\u00bb row_position_tablet=\u00a0\u00bbinherit\u00a0\u00bb row_position_phone=\u00a0\u00bbinherit\u00a0\u00bb overflow=\u00a0\u00bbvisible\u00a0\u00bb pointer_events=\u00a0\u00bball\u00a0\u00bb][vc_column_inner column_padding=\u00a0\u00bbno-extra-padding\u00a0\u00bb column_padding_tablet=\u00a0\u00bbinherit\u00a0\u00bb column_padding_phone=\u00a0\u00bbinherit\u00a0\u00bb column_padding_position=\u00a0\u00bball\u00a0\u00bb column_element_direction_desktop=\u00a0\u00bbdefault\u00a0\u00bb column_element_spacing=\u00a0\u00bbdefault\u00a0\u00bb desktop_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb tablet_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb phone_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb background_color_opacity=\u00a0\u00bb1\u2033 background_hover_color_opacity=\u00a0\u00bb1\u2033 column_backdrop_filter=\u00a0\u00bbnone\u00a0\u00bb column_shadow=\u00a0\u00bbnone\u00a0\u00bb column_border_radius=\u00a0\u00bbnone\u00a0\u00bb column_link_target=\u00a0\u00bb_self\u00a0\u00bb overflow=\u00a0\u00bbvisible\u00a0\u00bb gradient_direction=\u00a0\u00bbleft_to_right\u00a0\u00bb overlay_strength=\u00a0\u00bb0.3\u2033 width=\u00a0\u00bb1\/1\u2033 tablet_width_inherit=\u00a0\u00bbdefault\u00a0\u00bb animation_type=\u00a0\u00bbdefault\u00a0\u00bb bg_image_animation=\u00a0\u00bbnone\u00a0\u00bb border_type=\u00a0\u00bbsimple\u00a0\u00bb column_border_width=\u00a0\u00bbnone\u00a0\u00bb column_border_style=\u00a0\u00bbsolid\u00a0\u00bb][vc_column_text css=\u00a0\u00bb\u00a0\u00bb text_direction=\u00a0\u00bbdefault\u00a0\u00bb]\n<h2>Quand faut-il commencer \u00e0 \u00e9pargner pour la retraite ?<\/h2>\n[\/vc_column_text][vc_column_text css=\u00a0\u00bb\u00a0\u00bb text_direction=\u00a0\u00bbdefault\u00a0\u00bb]Le plus t\u00f4t est le mieux. En effet, en \u00e9pargnant t\u00f4t, vous aurez moins \u00e0 mettre de c\u00f4t\u00e9 chaque mois et vous b\u00e9n\u00e9ficierez de l'effet des int\u00e9r\u00eats compos\u00e9s au fil des ans. <\/p>\n<p>Exemple :<\/p>\n<table style=\"width: 100%; border-collapse: collapse;\">\n<tbody>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 12px; font-weight: bold;\">D\u00e9but de l'\u00e9pargne<\/td>\n<td style=\"border: 1px solid #ccc; padding: 12px; font-weight: bold;\">Taux d'\u00e9pargne mensuel<br \/>\n(pour 500\u2032000 CHF sur 30 ans)<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 12px;\">\u00c0 30 ans<\/td>\n<td style=\"border: 1px solid #ccc; padding: 12px;\">environ 800 CHF<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 12px;\">\u00c0 40 ans<\/td>\n<td style=\"border: 1px solid #ccc; padding: 12px;\">environ 1\u2032500 CHF<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 12px;\">\u00c0 50 ans<\/td>\n<td style=\"border: 1px solid #ccc; padding: 12px;\">environ 3\u2032000 CHF<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u00a0<\/p>\n<p>Commencer t\u00f4t permet de gagner en s\u00e9r\u00e9nit\u00e9 et de r\u00e9duire la charge mensuelle. Commencer tard implique une planification plus coh\u00e9rente et un investissement plus important.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=\u00a0\u00bbdefault\u00a0\u00bb column_direction=\u00a0\u00bbdefault\u00a0\u00bb column_direction_tablet=\u00a0\u00bbdefault\u00a0\u00bb column_direction_phone=\u00a0\u00bbdefault\u00a0\u00bb text_align=\u00a0\u00bbleft\u00a0\u00bb row_position=\u00a0\u00bbdefault\u00a0\u00bb row_position_tablet=\u00a0\u00bbinherit\u00a0\u00bb row_position_phone=\u00a0\u00bbinherit\u00a0\u00bb overflow=\u00a0\u00bbvisible\u00a0\u00bb pointer_events=\u00a0\u00bball\u00a0\u00bb][vc_column_inner column_padding=\u00a0\u00bbno-extra-padding\u00a0\u00bb column_padding_tablet=\u00a0\u00bbinherit\u00a0\u00bb column_padding_phone=\u00a0\u00bbinherit\u00a0\u00bb column_padding_position=\u00a0\u00bball\u00a0\u00bb column_element_direction_desktop=\u00a0\u00bbdefault\u00a0\u00bb column_element_spacing=\u00a0\u00bbdefault\u00a0\u00bb desktop_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb tablet_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb phone_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb background_color_opacity=\u00a0\u00bb1\u2033 background_hover_color_opacity=\u00a0\u00bb1\u2033 column_backdrop_filter=\u00a0\u00bbnone\u00a0\u00bb column_shadow=\u00a0\u00bbnone\u00a0\u00bb column_border_radius=\u00a0\u00bbnone\u00a0\u00bb column_link_target=\u00a0\u00bb_self\u00a0\u00bb overflow=\u00a0\u00bbvisible\u00a0\u00bb gradient_direction=\u00a0\u00bbleft_to_right\u00a0\u00bb overlay_strength=\u00a0\u00bb0.3\u2033 width=\u00a0\u00bb1\/1\u2033 tablet_width_inherit=\u00a0\u00bbdefault\u00a0\u00bb animation_type=\u00a0\u00bbdefault\u00a0\u00bb bg_image_animation=\u00a0\u00bbnone\u00a0\u00bb border_type=\u00a0\u00bbsimple\u00a0\u00bb column_border_width=\u00a0\u00bbnone\u00a0\u00bb column_border_style=\u00a0\u00bbsolid\u00a0\u00bb][vc_column_text css=\u00a0\u00bb\u00a0\u00bb text_direction=\u00a0\u00bbdefault\u00a0\u00bb]\n<h2>Pourquoi l'\u00e9pargne classique ne suffit-elle souvent pas ?<br \/>\n<!--EndFragment --><\/h2>\n[\/vc_column_text][vc_column_text css=\u00a0\u00bb\u00a0\u00bb text_direction=\u00a0\u00bbdefault\u00a0\u00bb]Aujourd'hui, les comptes d'\u00e9pargne traditionnels n'offrent pratiquement plus d'int\u00e9r\u00eats. De plus, l'inflation fait perdre du pouvoir d'achat. Un capital qui s'\u00e9l\u00e8ve aujourd'hui \u00e0 100\u2032000 CHF peut ne plus valoir qu'environ 70\u2032000 CHF en termes r\u00e9els dans 20 ans, en fonction du taux d'inflation.  <\/p>\n<p>Aujourd'hui, \u00e9pargner en toute s\u00e9curit\u00e9 signifie structurer de mani\u00e8re cibl\u00e9e.<\/p>\n<p>Chez Point Capital, nous \u00e9vitons d\u00e9lib\u00e9r\u00e9ment les solutions standard. Au lieu de cela, nous mettons en place des strat\u00e9gies de portefeuille personnalis\u00e9es en fonction de votre horizon temporel personnel et de votre besoin de s\u00e9curit\u00e9.[\/vc_column_text][nectar_btn size=\u00a0\u00bbsmall\u00a0\u00bb button_style=\u00a0\u00bbregular\u00a0\u00bb button_color_2=\u00a0\u00bbExtra-Color-2\u2033 icon_family=\u00a0\u00bbnone\u00a0\u00bb text=\u00a0\u00bbEn savoir plus sur l'\u00e9pargne retraite priv\u00e9e\u00a0\u00bb url=\u00a0\u00bbhttps:\/\/pointcapital.ch\/private-altersvorsorge\/\u00a0\u00bb][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=\u00a0\u00bbdefault\u00a0\u00bb column_direction=\u00a0\u00bbdefault\u00a0\u00bb column_direction_tablet=\u00a0\u00bbdefault\u00a0\u00bb column_direction_phone=\u00a0\u00bbdefault\u00a0\u00bb text_align=\u00a0\u00bbleft\u00a0\u00bb row_position=\u00a0\u00bbdefault\u00a0\u00bb row_position_tablet=\u00a0\u00bbinherit\u00a0\u00bb row_position_phone=\u00a0\u00bbinherit\u00a0\u00bb overflow=\u00a0\u00bbvisible\u00a0\u00bb pointer_events=\u00a0\u00bball\u00a0\u00bb][vc_column_inner column_padding=\u00a0\u00bbno-extra-padding\u00a0\u00bb column_padding_tablet=\u00a0\u00bbinherit\u00a0\u00bb column_padding_phone=\u00a0\u00bbinherit\u00a0\u00bb column_padding_position=\u00a0\u00bball\u00a0\u00bb column_element_direction_desktop=\u00a0\u00bbdefault\u00a0\u00bb column_element_spacing=\u00a0\u00bbdefault\u00a0\u00bb desktop_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb tablet_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb phone_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb background_color_opacity=\u00a0\u00bb1\u2033 background_hover_color_opacity=\u00a0\u00bb1\u2033 column_backdrop_filter=\u00a0\u00bbnone\u00a0\u00bb column_shadow=\u00a0\u00bbnone\u00a0\u00bb column_border_radius=\u00a0\u00bbnone\u00a0\u00bb column_link_target=\u00a0\u00bb_self\u00a0\u00bb overflow=\u00a0\u00bbvisible\u00a0\u00bb gradient_direction=\u00a0\u00bbleft_to_right\u00a0\u00bb overlay_strength=\u00a0\u00bb0.3\u2033 width=\u00a0\u00bb1\/1\u2033 tablet_width_inherit=\u00a0\u00bbdefault\u00a0\u00bb animation_type=\u00a0\u00bbdefault\u00a0\u00bb bg_image_animation=\u00a0\u00bbnone\u00a0\u00bb border_type=\u00a0\u00bbsimple\u00a0\u00bb column_border_width=\u00a0\u00bbnone\u00a0\u00bb column_border_style=\u00a0\u00bbsolid\u00a0\u00bb][vc_column_text css=\u00a0\u00bb\u00a0\u00bb text_direction=\u00a0\u00bbdefault\u00a0\u00bb]\n<h2>Se constituer un patrimoine \u00e0 la retraite de mani\u00e8re cibl\u00e9e \u2013 voici comment cela <strong>fonctionne\u2032s<\/strong><br \/>\n<!--EndFragment --><\/h2>\n[\/vc_column_text][vc_column_text css=\u00a0\u00bb\u00a0\u00bb text_direction=\u00a0\u00bbdefault\u00a0\u00bb]Un capital retraite bien pens\u00e9 ne repose pas sur le hasard ou l'espoir, mais sur une planification structur\u00e9e.<\/p>\n<p>Facteurs de r\u00e9ussite essentiels :<\/p>\n<ul>\n<li>D\u00e9finition claire de l'objectif : quel doit \u00eatre votre revenu de retraite ?<\/li>\n<li>Calcul r\u00e9aliste : prise en compte de l'inflation, de l'esp\u00e9rance de vie, des d\u00e9penses<\/li>\n<li>Constitution structur\u00e9e de capital : constitution r\u00e9guli\u00e8re d'un portefeuille de titres qualitatifs<\/li>\n<li>Flexibilit\u00e9 dans la phase de versement : disponibilit\u00e9 du capital aussi adaptable que possible \u00e0 la retraite<\/li>\n<\/ul>\n<p>En \u00e9pargnant aujourd'hui de mani\u00e8re s\u00fbre et individuelle, vous b\u00e9n\u00e9ficierez plus tard d'une plus grande marge de man\u0153uvre, que ce soit pour voyager, aider vos proches ou vous assurer une couverture de soins.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=\u00a0\u00bbdefault\u00a0\u00bb column_direction=\u00a0\u00bbdefault\u00a0\u00bb column_direction_tablet=\u00a0\u00bbdefault\u00a0\u00bb column_direction_phone=\u00a0\u00bbdefault\u00a0\u00bb text_align=\u00a0\u00bbleft\u00a0\u00bb row_position=\u00a0\u00bbdefault\u00a0\u00bb row_position_tablet=\u00a0\u00bbinherit\u00a0\u00bb row_position_phone=\u00a0\u00bbinherit\u00a0\u00bb overflow=\u00a0\u00bbvisible\u00a0\u00bb pointer_events=\u00a0\u00bball\u00a0\u00bb][vc_column_inner column_padding=\u00a0\u00bbno-extra-padding\u00a0\u00bb column_padding_tablet=\u00a0\u00bbinherit\u00a0\u00bb column_padding_phone=\u00a0\u00bbinherit\u00a0\u00bb column_padding_position=\u00a0\u00bball\u00a0\u00bb column_element_direction_desktop=\u00a0\u00bbdefault\u00a0\u00bb column_element_spacing=\u00a0\u00bbdefault\u00a0\u00bb desktop_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb tablet_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb phone_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb background_color_opacity=\u00a0\u00bb1\u2033 background_hover_color_opacity=\u00a0\u00bb1\u2033 column_backdrop_filter=\u00a0\u00bbnone\u00a0\u00bb column_shadow=\u00a0\u00bbnone\u00a0\u00bb column_border_radius=\u00a0\u00bbnone\u00a0\u00bb column_link_target=\u00a0\u00bb_self\u00a0\u00bb overflow=\u00a0\u00bbvisible\u00a0\u00bb gradient_direction=\u00a0\u00bbleft_to_right\u00a0\u00bb overlay_strength=\u00a0\u00bb0.3\u2033 width=\u00a0\u00bb1\/1\u2033 tablet_width_inherit=\u00a0\u00bbdefault\u00a0\u00bb animation_type=\u00a0\u00bbdefault\u00a0\u00bb bg_image_animation=\u00a0\u00bbnone\u00a0\u00bb border_type=\u00a0\u00bbsimple\u00a0\u00bb column_border_width=\u00a0\u00bbnone\u00a0\u00bb column_border_style=\u00a0\u00bbsolid\u00a0\u00bb][vc_column_text css=\u00a0\u00bb\u00a0\u00bb text_direction=\u00a0\u00bbdefault\u00a0\u00bb]\n<h2>Qu'est-ce qui influence le revenu de retraite ?<br \/>\n<!--EndFragment --><\/h2>\n[\/vc_column_text][vc_column_text css=\u00a0\u00bb\u00a0\u00bb text_direction=\u00a0\u00bbdefault\u00a0\u00bb]Outre le montant de l'\u00e9pargne et la p\u00e9riode d'investissement, il existe d'autres aspects qui d\u00e9terminent de mani\u00e8re d\u00e9cisive le revenu de retraite :<\/p>\n<table style=\"width: 100%; border-collapse: collapse;\">\n<tbody>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 12px; font-weight: bold;\">Facteur d'influence<\/td>\n<td style=\"border: 1px solid #ccc; padding: 12px; font-weight: bold;\">Importance pour la pr\u00e9voyance vieillesse<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 12px;\">Biographie professionnelle<\/td>\n<td style=\"border: 1px solid #ccc; padding: 12px;\">Les lacunes r\u00e9duisent les prestations de l'AVS et de la caisse de pension<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 12px;\">Horizon d'investissement<\/td>\n<td style=\"border: 1px solid #ccc; padding: 12px;\">Plus le temps est long, plus le capital est stable.<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 12px;\">Structure des actifs<\/td>\n<td style=\"border: 1px solid #ccc; padding: 12px;\">Les titres de qualit\u00e9 apportent une stabilit\u00e9 \u00e0 long terme<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 12px;\">Conception fiscale<\/td>\n<td style=\"border: 1px solid #ccc; padding: 12px;\">Une planification pr\u00e9coce r\u00e9duit les charges ult\u00e9rieures<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 12px;\">\u00c9tat de sant\u00e9<\/td>\n<td style=\"border: 1px solid #ccc; padding: 12px;\">Peut avoir un impact important sur les co\u00fbts li\u00e9s \u00e0 la vieillesse<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=\u00a0\u00bbdefault\u00a0\u00bb column_direction=\u00a0\u00bbdefault\u00a0\u00bb column_direction_tablet=\u00a0\u00bbdefault\u00a0\u00bb column_direction_phone=\u00a0\u00bbdefault\u00a0\u00bb text_align=\u00a0\u00bbleft\u00a0\u00bb row_position=\u00a0\u00bbdefault\u00a0\u00bb row_position_tablet=\u00a0\u00bbinherit\u00a0\u00bb row_position_phone=\u00a0\u00bbinherit\u00a0\u00bb overflow=\u00a0\u00bbvisible\u00a0\u00bb pointer_events=\u00a0\u00bball\u00a0\u00bb][vc_column_inner column_padding=\u00a0\u00bbno-extra-padding\u00a0\u00bb column_padding_tablet=\u00a0\u00bbinherit\u00a0\u00bb column_padding_phone=\u00a0\u00bbinherit\u00a0\u00bb column_padding_position=\u00a0\u00bball\u00a0\u00bb column_element_direction_desktop=\u00a0\u00bbdefault\u00a0\u00bb column_element_spacing=\u00a0\u00bbdefault\u00a0\u00bb desktop_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb tablet_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb phone_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb background_color_opacity=\u00a0\u00bb1\u2033 background_hover_color_opacity=\u00a0\u00bb1\u2033 column_backdrop_filter=\u00a0\u00bbnone\u00a0\u00bb column_shadow=\u00a0\u00bbnone\u00a0\u00bb column_border_radius=\u00a0\u00bbnone\u00a0\u00bb column_link_target=\u00a0\u00bb_self\u00a0\u00bb overflow=\u00a0\u00bbvisible\u00a0\u00bb gradient_direction=\u00a0\u00bbleft_to_right\u00a0\u00bb overlay_strength=\u00a0\u00bb0.3\u2033 width=\u00a0\u00bb1\/1\u2033 tablet_width_inherit=\u00a0\u00bbdefault\u00a0\u00bb animation_type=\u00a0\u00bbdefault\u00a0\u00bb bg_image_animation=\u00a0\u00bbnone\u00a0\u00bb border_type=\u00a0\u00bbsimple\u00a0\u00bb column_border_width=\u00a0\u00bbnone\u00a0\u00bb column_border_style=\u00a0\u00bbsolid\u00a0\u00bb][vc_column_text css=\u00a0\u00bb\u00a0\u00bb text_direction=\u00a0\u00bbdefault\u00a0\u00bb]\n<h2>Pr\u00e9voyance individuelle plut\u00f4t que solutions standard<br \/>\n<!--EndFragment --><\/h2>\n[\/vc_column_text][vc_column_text css=\u00a0\u00bb\u00a0\u00bb text_direction=\u00a0\u00bbdefault\u00a0\u00bb]De nombreuses personnes ont recours \u00e0 des mod\u00e8les pr\u00e9\u00e9tablis \u2013 mais ces <a href=\"https:\/\/pointcapital.ch\/so-gehen-wir-bei-der-geldanlage-vor\/\">solutions d'investissement<\/a> ne tiennent gu\u00e8re compte de leur situation personnelle. Chez Point Capital, nous nous concentrons sur des strat\u00e9gies d'investissement personnalis\u00e9es, et non sur des produits pr\u00eats \u00e0 l'emploi. <\/p>\n<p>Vos avantages :<\/p>\n<ul>\n<li>Une structure claire \u2013 du d\u00e9but au paiement<\/li>\n<li>Une assistance personnelle plut\u00f4t qu'une plate-forme anonyme<\/li>\n<li>Des rapports transparents et des d\u00e9cisions compr\u00e9hensibles<\/li>\n<li>Une construction \u00e0 long terme avec une vision strat\u00e9gique<\/li>\n<\/ul>\n[\/vc_column_text][vc_column_text css=\u00a0\u00bb\u00a0\u00bb text_direction=\u00a0\u00bbdefault\u00a0\u00bb]\n<h2>\u00c9pargner aujourd'hui, c'est vivre en toute autonomie demain<\/h2>\n[\/vc_column_text][vc_column_text css=\u00a0\u00bb\u00a0\u00bb text_direction=\u00a0\u00bbdefault\u00a0\u00bb]L'\u00e9pargne pour la retraite n'est pas une question pour plus tard \u2013 c'est une d\u00e9cision pour plus de libert\u00e9, de s\u00e9curit\u00e9 et de qualit\u00e9 de vie. Avec la bonne strat\u00e9gie, vous vous constituez un patrimoine solide pour la retraite \u2013 \u00e9tape par \u00e9tape, mais avec clairvoyance. <\/p>\n<p>Que vous soyez sur le point de commencer ou que vous souhaitiez structurer votre pr\u00e9voyance existante,<br \/>\nC'est le bon moment.[\/vc_column_text][nectar_btn size=\u00a0\u00bbsmall\u00a0\u00bb button_style=\u00a0\u00bbregular\u00a0\u00bb button_color_2=\u00a0\u00bbExtra-Color-2\u2033 icon_family=\u00a0\u00bbnone\u00a0\u00bb text=\u00a0\u00bbContactez-nous maintenant\u00a0\u00bb url=\u00a0\u00bbhttps:\/\/pointcapital.ch\/fr\/contact\/\u00a0\u00bb][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=\u00a0\u00bbdefault\u00a0\u00bb column_direction=\u00a0\u00bbdefault\u00a0\u00bb column_direction_tablet=\u00a0\u00bbdefault\u00a0\u00bb column_direction_phone=\u00a0\u00bbdefault\u00a0\u00bb text_align=\u00a0\u00bbleft\u00a0\u00bb row_position=\u00a0\u00bbdefault\u00a0\u00bb row_position_tablet=\u00a0\u00bbinherit\u00a0\u00bb row_position_phone=\u00a0\u00bbinherit\u00a0\u00bb overflow=\u00a0\u00bbvisible\u00a0\u00bb pointer_events=\u00a0\u00bball\u00a0\u00bb][vc_column_inner column_padding=\u00a0\u00bbno-extra-padding\u00a0\u00bb column_padding_tablet=\u00a0\u00bbinherit\u00a0\u00bb column_padding_phone=\u00a0\u00bbinherit\u00a0\u00bb column_padding_position=\u00a0\u00bball\u00a0\u00bb column_element_direction_desktop=\u00a0\u00bbdefault\u00a0\u00bb column_element_spacing=\u00a0\u00bbdefault\u00a0\u00bb desktop_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb tablet_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb phone_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb background_color_opacity=\u00a0\u00bb1\u2033 background_hover_color_opacity=\u00a0\u00bb1\u2033 column_backdrop_filter=\u00a0\u00bbnone\u00a0\u00bb column_shadow=\u00a0\u00bbnone\u00a0\u00bb column_border_radius=\u00a0\u00bbnone\u00a0\u00bb column_link_target=\u00a0\u00bb_self\u00a0\u00bb overflow=\u00a0\u00bbvisible\u00a0\u00bb gradient_direction=\u00a0\u00bbleft_to_right\u00a0\u00bb overlay_strength=\u00a0\u00bb0.3\u2033 width=\u00a0\u00bb1\/1\u2033 tablet_width_inherit=\u00a0\u00bbdefault\u00a0\u00bb animation_type=\u00a0\u00bbdefault\u00a0\u00bb bg_image_animation=\u00a0\u00bbnone\u00a0\u00bb border_type=\u00a0\u00bbsimple\u00a0\u00bb column_border_width=\u00a0\u00bbnone\u00a0\u00bb column_border_style=\u00a0\u00bbsolid\u00a0\u00bb][vc_column_text css=\u00a0\u00bb\u00a0\u00bb text_direction=\u00a0\u00bbdefault\u00a0\u00bb]\n<h2>FAQ sur l'\u00e9pargne pour la retraite<\/h2>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][toggles style=\u00a0\u00bbdefault\u00a0\u00bb border_radius=\u00a0\u00bbnone\u00a0\u00bb][toggle color=\u00a0\u00bbDefault\u00a0\u00bb heading_tag=\u00a0\u00bbdefault\u00a0\u00bb heading_tag_functionality=\u00a0\u00bbdefault\u00a0\u00bb title=\u00a0\u00bbComment \u00e9pargner au mieux pour la retraite ?\u00a0\u00bb][vc_column_text css=\u00a0\u00bb\u00a0\u00bb text_direction=\u00a0\u00bbdefault\u00a0\u00bb]La mani\u00e8re la plus efficace d'\u00e9pargner pour la retraite est de se constituer un capital de mani\u00e8re pr\u00e9coce, r\u00e9guli\u00e8re et structur\u00e9e. Un plan d'\u00e9pargne clair, adapt\u00e9 \u00e0 votre situation et \u00e0 vos objectifs, constitue la base d'une vie sans soucis financiers. Plus vous commencez t\u00f4t, plus la charge mensuelle est faible \u2013 et plus la marge de man\u0153uvre ult\u00e9rieure est importante.[\/vc_column_text][\/toggle][toggle color=\u00a0\u00bbDefault\u00a0\u00bb heading_tag=\u00a0\u00bbdefault\u00a0\u00bb heading_tag_functionality=\u00a0\u00bbdefault\u00a0\u00bb title=\u00a0\u00bbO\u00f9 puis-je \u00e9conomiser de l'argent au quotidien ?\u00a0\u00bb][vc_column_text css=\u00a0\u00bb\u00a0\u00bb text_direction=\u00a0\u00bbdefault\u00a0\u00bb]Vous pouvez \u00e9conomiser de l'argent en structurant consciemment vos d\u00e9penses et en les contr\u00f4lant r\u00e9guli\u00e8rement. Les co\u00fbts r\u00e9currents tels que les abonnements, les assurances ou les tarifs de l'\u00e9nergie constituent un potentiel d'\u00e9conomie typique. En fixant des priorit\u00e9s et en renon\u00e7ant aux d\u00e9penses inutiles, vous lib\u00e9rez de l'espace pour constituer des r\u00e9serves \u00e0 long terme.[\/vc_column_text][\/toggle][toggle color=\u00a0\u00bbDefault\u00a0\u00bb heading_tag=\u00a0\u00bbdefault\u00a0\u00bb heading_tag_functionality=\u00a0\u00bbdefault\u00a0\u00bb title=\u00a0\u00bbFaut-il laisser son argent \u00e0 la banque ?\u00a0\u00bb][vc_column_text css=\u00a0\u00bb\u00a0\u00bb text_direction=\u00a0\u00bbdefault\u00a0\u00bb]Laisser son argent sur un compte ne prot\u00e8ge pas contre la perte de pouvoir d'achat, bien au contraire. La faiblesse des taux d'int\u00e9r\u00eat et la hausse de l'inflation entra\u00eenent une baisse de la valeur r\u00e9elle de vos avoirs ann\u00e9e apr\u00e8s ann\u00e9e. Si vous souhaitez pr\u00e9server ou d\u00e9velopper votre patrimoine, vous devez investir votre capital de mani\u00e8re structur\u00e9e et avec une strat\u00e9gie claire.<\/p>\n[\/vc_column_text][\/toggle][toggle color=\u00a0\u00bbDefault\u00a0\u00bb heading_tag=\u00a0\u00bbdefault\u00a0\u00bb heading_tag_functionality=\u00a0\u00bbdefault\u00a0\u00bb title=\u00a0\u00bbQuel est un bon taux d'\u00e9pargne ?\u00a0\u00bb][vc_column_text css=\u00a0\u00bb\u00a0\u00bb text_direction=\u00a0\u00bbdefault\u00a0\u00bb]Un taux d'\u00e9pargne de 10 \u00e0 20 % du revenu mensuel net est g\u00e9n\u00e9ralement consid\u00e9r\u00e9 comme une base solide pour la constitution d'un patrimoine \u00e0 long terme. Cette valeur peut varier en fonction de la phase de vie et de l'objectif \u2013 l'essentiel est que l'\u00e9pargne soit r\u00e9guli\u00e8re et cons\u00e9quente. M\u00eame de petits montants continus produisent un effet important au fil du temps.[\/vc_column_text][\/toggle][\/toggles][\/vc_column][\/vc_row][vc_row type=\u00a0\u00bbin_container\u00a0\u00bb full_screen_row_position=\u00a0\u00bbmiddle\u00a0\u00bb column_margin=\u00a0\u00bbdefault\u00a0\u00bb column_direction=\u00a0\u00bbdefault\u00a0\u00bb column_direction_tablet=\u00a0\u00bbdefault\u00a0\u00bb column_direction_phone=\u00a0\u00bbdefault\u00a0\u00bb scene_position=\u00a0\u00bbcenter\u00a0\u00bb text_color=\u00a0\u00bbdark\u00a0\u00bb text_align=\u00a0\u00bbleft\u00a0\u00bb row_border_radius=\u00a0\u00bbnone\u00a0\u00bb row_border_radius_applies=\u00a0\u00bbbg\u00a0\u00bb overflow=\u00a0\u00bbvisible\u00a0\u00bb overlay_strength=\u00a0\u00bb0.3\u2033 gradient_direction=\u00a0\u00bbleft_to_right\u00a0\u00bb shape_divider_position=\u00a0\u00bbbottom\u00a0\u00bb bg_image_animation=\u00a0\u00bbnone\u00a0\u00bb][vc_column column_padding=\u00a0\u00bbno-extra-padding\u00a0\u00bb column_padding_tablet=\u00a0\u00bbinherit\u00a0\u00bb column_padding_phone=\u00a0\u00bbinherit\u00a0\u00bb column_padding_position=\u00a0\u00bball\u00a0\u00bb column_element_direction_desktop=\u00a0\u00bbdefault\u00a0\u00bb column_element_spacing=\u00a0\u00bbdefault\u00a0\u00bb desktop_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb tablet_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb phone_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb background_color_opacity=\u00a0\u00bb1\u2033 background_hover_color_opacity=\u00a0\u00bb1\u2033 column_backdrop_filter=\u00a0\u00bbnone\u00a0\u00bb column_shadow=\u00a0\u00bbnone\u00a0\u00bb column_border_radius=\u00a0\u00bbnone\u00a0\u00bb column_link_target=\u00a0\u00bb_self\u00a0\u00bb column_position=\u00a0\u00bbdefault\u00a0\u00bb gradient_direction=\u00a0\u00bbleft_to_right\u00a0\u00bb overlay_strength=\u00a0\u00bb0.3\u2033 width=\u00a0\u00bb1\/1\u2033 tablet_width_inherit=\u00a0\u00bbdefault\u00a0\u00bb animation_type=\u00a0\u00bbdefault\u00a0\u00bb bg_image_animation=\u00a0\u00bbnone\u00a0\u00bb border_type=\u00a0\u00bbsimple\u00a0\u00bb column_border_width=\u00a0\u00bbnone\u00a0\u00bb column_border_style=\u00a0\u00bbsolid\u00a0\u00bb][divider line_type=\u00a0\u00bbNo Line\u00a0\u00bb][\/vc_column][\/vc_row][vc_row type=\u00a0\u00bbin_container\u00a0\u00bb full_screen_row_position=\u00a0\u00bbmiddle\u00a0\u00bb column_margin=\u00a0\u00bbdefault\u00a0\u00bb column_direction=\u00a0\u00bbdefault\u00a0\u00bb column_direction_tablet=\u00a0\u00bbdefault\u00a0\u00bb column_direction_phone=\u00a0\u00bbdefault\u00a0\u00bb bg_color=\u00a0\u00bbrgba(63,75,111,0.2)\u00a0\u00bb scene_position=\u00a0\u00bbcenter\u00a0\u00bb text_color=\u00a0\u00bbdark\u00a0\u00bb text_align=\u00a0\u00bbleft\u00a0\u00bb row_border_radius=\u00a0\u00bbnone\u00a0\u00bb row_border_radius_applies=\u00a0\u00bbbg\u00a0\u00bb overflow=\u00a0\u00bbvisible\u00a0\u00bb class=\u00a0\u00bbborder-box\u00a0\u00bb overlay_strength=\u00a0\u00bb0.3\u2033 gradient_direction=\u00a0\u00bbleft_to_right\u00a0\u00bb shape_divider_position=\u00a0\u00bbbottom\u00a0\u00bb bg_image_animation=\u00a0\u00bbnone\u00a0\u00bb shape_type=\u00a0\u00bb\u00a0\u00bb][vc_column column_padding=\u00a0\u00bbno-extra-padding\u00a0\u00bb column_padding_tablet=\u00a0\u00bbinherit\u00a0\u00bb column_padding_phone=\u00a0\u00bbinherit\u00a0\u00bb column_padding_position=\u00a0\u00bball\u00a0\u00bb column_element_direction_desktop=\u00a0\u00bbdefault\u00a0\u00bb column_element_spacing=\u00a0\u00bbdefault\u00a0\u00bb desktop_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb tablet_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb phone_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb background_color_opacity=\u00a0\u00bb1\u2033 background_hover_color_opacity=\u00a0\u00bb1\u2033 column_backdrop_filter=\u00a0\u00bbnone\u00a0\u00bb column_shadow=\u00a0\u00bbnone\u00a0\u00bb column_border_radius=\u00a0\u00bbnone\u00a0\u00bb column_link_target=\u00a0\u00bb_self\u00a0\u00bb column_position=\u00a0\u00bbdefault\u00a0\u00bb gradient_direction=\u00a0\u00bbleft_to_right\u00a0\u00bb overlay_strength=\u00a0\u00bb0.3\u2033 width=\u00a0\u00bb1\/1\u2033 tablet_width_inherit=\u00a0\u00bbdefault\u00a0\u00bb animation_type=\u00a0\u00bbdefault\u00a0\u00bb bg_image_animation=\u00a0\u00bbnone\u00a0\u00bb border_type=\u00a0\u00bbsimple\u00a0\u00bb column_border_width=\u00a0\u00bbnone\u00a0\u00bb column_border_style=\u00a0\u00bbsolid\u00a0\u00bb]<div class=\"vc_row-fluid box-element-row calculator-box\" style=\"text-align:left\"><div class=\"box-body\"><div class=\"box-body-inner-wrapper\"><div class=\"box-body-inner\"><p class=\"box-sub-title\">Vorsorge-Rechner<\/p><h3 class=\"box-title\">Berechnen Sie Ihre pers\u00f6nliche Vorsorge<\/h3><div class=\"box-content\">K\u00f6nnen Sie auch im Alter Ihren Lebensstandard halten? Was w\u00fcrde Ihnen eine professionelle Verm\u00f6gensanlage einbringen? Berechnen Sie Ihre pers\u00f6nliche Vorsorge f\u00fcr den Ruhestand.<\/div><\/div><a style=\"background-color:#3f4b6f;color:#ffffff\" class=\"custom-box-btn open-termin-popup\" href=\"https:\/\/pointcapital.ch\/vorsorgerechner\/\" title=\"Calculator\" ><img decoding=\"async\" src=\"https:\/\/pointcapital.ch\/wp-content\/themes\/salient-child\/img\/arrow-btn.svg\" \/>Vorsorge-Rechner starten<\/a><\/div><div class=\"box-image\"><img decoding=\"async\" src=\"https:\/\/pointcapital.ch\/wp-content\/uploads\/2021\/03\/PCG_renditerechner.svg\" width=\"100%\" alt=\"Vorsorge-Rechner\"><\/div><\/div><\/div>[\/vc_column][\/vc_row][vc_row type=\u00a0\u00bbin_container\u00a0\u00bb full_screen_row_position=\u00a0\u00bbmiddle\u00a0\u00bb column_margin=\u00a0\u00bbdefault\u00a0\u00bb column_direction=\u00a0\u00bbdefault\u00a0\u00bb column_direction_tablet=\u00a0\u00bbdefault\u00a0\u00bb column_direction_phone=\u00a0\u00bbdefault\u00a0\u00bb scene_position=\u00a0\u00bbcenter\u00a0\u00bb 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desktop_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb tablet_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb phone_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb background_color_opacity=\u00a0\u00bb1\u2033 background_hover_color_opacity=\u00a0\u00bb1\u2033 column_backdrop_filter=\u00a0\u00bbnone\u00a0\u00bb column_shadow=\u00a0\u00bbnone\u00a0\u00bb column_border_radius=\u00a0\u00bbnone\u00a0\u00bb column_link_target=\u00a0\u00bb_self\u00a0\u00bb column_position=\u00a0\u00bbdefault\u00a0\u00bb gradient_direction=\u00a0\u00bbleft_to_right\u00a0\u00bb overlay_strength=\u00a0\u00bb0.3\u2033 width=\u00a0\u00bb1\/1\u2033 tablet_width_inherit=\u00a0\u00bbdefault\u00a0\u00bb animation_type=\u00a0\u00bbdefault\u00a0\u00bb bg_image_animation=\u00a0\u00bbnone\u00a0\u00bb border_type=\u00a0\u00bbsimple\u00a0\u00bb column_border_width=\u00a0\u00bbnone\u00a0\u00bb column_border_style=\u00a0\u00bbsolid\u00a0\u00bb]<div class=\"vc_row-fluid box-element-row partner-box\" style=\"text-align:left\"><div class=\"box-body\"><div class=\"box-body-inner-wrapper\"><div class=\"box-body-inner\"><p class=\"box-sub-title\">Beratungstermin<\/p><h3 class=\"box-title\">Erfahren Sie mehr und lassen Sie sich pers\u00f6nlich beraten \u2013 kostenlos und unverbindlich.<\/h3><div class=\"box-content\"><\/div><\/div><a style=\"background-color:#3f4b6f;color:#ffffff\" class=\"open-termin custom-box-btn open-termin-popup\" href=\"#\"  ><img decoding=\"async\" src=\"https:\/\/pointcapital.ch\/wp-content\/themes\/salient-child\/img\/arrow-btn.svg\" \/>Jetzt Termin vereinbaren<\/a><\/div><div class=\"box-image\"><img decoding=\"async\" src=\"https:\/\/pointcapital.ch\/wp-content\/uploads\/2021\/03\/Bild_CTA_Beratungstermin.png\" width=\"100%\" alt=\"Beratungstermin\"><\/div><\/div><\/div>[\/vc_column][\/vc_row]\n","protected":false},"excerpt":{"rendered":"<p>Est-il pr\u00e9f\u00e9rable d'avoir un compte d'\u00e9pargne pour la retraite plut\u00f4t que d'investir de l'argent ? D\u00e9finitivement pas. En effet, si vous avez des actions, vous prot\u00e9gez votre patrimoine contre l'inflation. Voil\u00e0 comment cela fonctionne.   <\/p>\n","protected":false},"author":6,"featured_media":6020,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"wds_primary_category":0,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[119],"tags":[],"class_list":{"0":"post-6015","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-non-categorise"},"acf":[],"_links":{"self":[{"href":"https:\/\/pointcapital.ch\/fr\/wp-json\/wp\/v2\/posts\/6015","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pointcapital.ch\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pointcapital.ch\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pointcapital.ch\/fr\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/pointcapital.ch\/fr\/wp-json\/wp\/v2\/comments?post=6015"}],"version-history":[{"count":3,"href":"https:\/\/pointcapital.ch\/fr\/wp-json\/wp\/v2\/posts\/6015\/revisions"}],"predecessor-version":[{"id":6039,"href":"https:\/\/pointcapital.ch\/fr\/wp-json\/wp\/v2\/posts\/6015\/revisions\/6039"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/pointcapital.ch\/fr\/wp-json\/wp\/v2\/media\/6020"}],"wp:attachment":[{"href":"https:\/\/pointcapital.ch\/fr\/wp-json\/wp\/v2\/media?parent=6015"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pointcapital.ch\/fr\/wp-json\/wp\/v2\/categories?post=6015"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pointcapital.ch\/fr\/wp-json\/wp\/v2\/tags?post=6015"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}