{"id":9027,"date":"2025-12-03T08:17:21","date_gmt":"2025-12-03T07:17:21","guid":{"rendered":"https:\/\/pointcapital.ch\/planification-de-la-retraite-planifier-aujourdhui-decider-librement-demain\/"},"modified":"2025-12-10T16:40:00","modified_gmt":"2025-12-10T15:40:00","slug":"planification-retraite","status":"publish","type":"post","link":"https:\/\/pointcapital.ch\/fr\/planification-retraite\/","title":{"rendered":"Planification de la retraite : planifier aujourd'hui, d\u00e9cider librement demain"},"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 row_position_desktop=\u00a0\u00bbdefault\u00a0\u00bb row_position_tablet=\u00a0\u00bbinherit\u00a0\u00bb row_position_phone=\u00a0\u00bbinherit\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 flex_gap_desktop=\u00a0\u00bb10px\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 text_direction=\u00a0\u00bbdefault\u00a0\u00bb el_class=\u00a0\u00bbb-subheading\u00a0\u00bb]La planification de la retraite de Point Capital vous permet de clarifier et de s\u00e9curiser votre avenir. Gr\u00e2ce \u00e0 une planification patrimoniale structur\u00e9e pour la retraite, vous posez d\u00e8s maintenant les bases de la libert\u00e9 financi\u00e8re \u00e0 la retraite. Investissez dans la fiabilit\u00e9, la vision et une planification adapt\u00e9e \u00e0 votre vie.[\/vc_column_text][image_with_animation image_url=\u00a0\u00bb3540\u2033 image_size=\u00a0\u00bbfull\u00a0\u00bb max_width=\u00a0\u00bb100%\u00a0\u00bb max_width_mobile=\u00a0\u00bbdefault\u00a0\u00bb animation_type=\u00a0\u00bbentrance\u00a0\u00bb animation=\u00a0\u00bbNone\u00a0\u00bb animation_movement_type=\u00a0\u00bbtransform_y\u00a0\u00bb hover_animation=\u00a0\u00bbnone\u00a0\u00bb alignment=\u00a0\u00bb\u00a0\u00bb border_radius=\u00a0\u00bbnone\u00a0\u00bb box_shadow=\u00a0\u00bbnone\u00a0\u00bb image_loading=\u00a0\u00bbdefault\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 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 row_position_desktop=\u00a0\u00bbdefault\u00a0\u00bb row_position_tablet=\u00a0\u00bbinherit\u00a0\u00bb row_position_phone=\u00a0\u00bbinherit\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 flex_gap_desktop=\u00a0\u00bb10px\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 text_direction=\u00a0\u00bbdefault\u00a0\u00bb]\n<h2>Pourquoi la planification de la retraite est-elle plus qu'une simple pr\u00e9voyance vieillesse ?<\/h2>\n<p>Une planification pr\u00e9visionnelle de la retraite et une <a href=\"https:\/\/pointcapital.ch\/fr\/strategie-dinvestissement\/\">strat\u00e9gie d'investissement<\/a> cibl\u00e9e vous apportent une marge de man\u0153uvre financi\u00e8re, familiale et personnelle. L'objectif est le suivant : planifier aujourd'hui pour pouvoir d\u00e9cider demain en toute connaissance de cause.[\/vc_column_text][\/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 row_position_desktop=\u00a0\u00bbdefault\u00a0\u00bb row_position_tablet=\u00a0\u00bbinherit\u00a0\u00bb row_position_phone=\u00a0\u00bbinherit\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 flex_gap_desktop=\u00a0\u00bb10px\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 text_direction=\u00a0\u00bbdefault\u00a0\u00bb]\n<h3>Le bon moment pour commencer la planification<\/h3>\n<p>Le meilleur moment pour se constituer un patrimoine de pr\u00e9voyance se situe bien avant la retraite. Planifiez \u00e0 l'avance, s\u00e9curisez :<\/p>\n<ul>\n<li>Effet des int\u00e9r\u00eats compos\u00e9s sur de longues p\u00e9riodes<\/li>\n<li>une plus grande flexibilit\u00e9 dans la gestion de votre patrimoine<\/li>\n<li>avantages fiscaux gr\u00e2ce \u00e0 une planification cibl\u00e9e<\/li>\n<\/ul>\n[\/vc_column_text][\/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 row_position_desktop=\u00a0\u00bbdefault\u00a0\u00bb row_position_tablet=\u00a0\u00bbinherit\u00a0\u00bb row_position_phone=\u00a0\u00bbinherit\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 flex_gap_desktop=\u00a0\u00bb10px\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 text_direction=\u00a0\u00bbdefault\u00a0\u00bb]\n<h2>Objectifs de vie individuels et ind\u00e9pendance financi\u00e8re : voil\u00e0 ce \u00e0 quoi vous devez faire attention !<\/h2>\n<p>La planification financi\u00e8re de la retraite est \u00e9troitement li\u00e9e \u00e0 vos objectifs personnels. Point Capital d\u00e9veloppe des solutions qui correspondent exactement \u00e0 vos attentes en mati\u00e8re de libert\u00e9, de s\u00e9curit\u00e9 et de qualit\u00e9 de vie.[\/vc_column_text][\/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 row_position_desktop=\u00a0\u00bbdefault\u00a0\u00bb row_position_tablet=\u00a0\u00bbinherit\u00a0\u00bb row_position_phone=\u00a0\u00bbinherit\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 flex_gap_desktop=\u00a0\u00bb10px\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 text_direction=\u00a0\u00bbdefault\u00a0\u00bb]\n<h3>De quel capital ai-je besoin \u00e0 la retraite ?<\/h3>\n<p>Le montant du capital dont vous aurez besoin \u00e0 la retraite d\u00e9pend de votre style de vie et de votre planification personnelle. Lors de notre <a href=\"https:\/\/pointcapital.ch\/fr\/conseil-en-gestion-de-patrimoine-parce-quil-sagit-de-votre-patrimoine\/\">conseil en gestion de patrimoine<\/a>, nous analysons votre situation et vous pr\u00e9sentons les possibilit\u00e9s qui s'offrent \u00e0 vous :<\/p>\n<ul>\n<li>besoins mensuels en tenant compte des d\u00e9penses fixes et variables<\/li>\n<li>sources de revenus pr\u00e9visibles (AVS, caisse de retraite, loyers, etc.)<\/li>\n<li>Actifs de pr\u00e9voyance, liquidit\u00e9s et revenus du capital<\/li>\n<li>des p\u00e9riodes individuelles (d\u00e9part \u00e0 la retraite classique ou p\u00e9riode de transition plus longue)<\/li>\n<\/ul>\n[\/vc_column_text][\/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 row_position_desktop=\u00a0\u00bbdefault\u00a0\u00bb row_position_tablet=\u00a0\u00bbinherit\u00a0\u00bb row_position_phone=\u00a0\u00bbinherit\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 flex_gap_desktop=\u00a0\u00bb10px\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=\u00a0\u00bb#f1f1f3\u2033 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 column_padding_type=\u00a0\u00bbdefault\u00a0\u00bb gradient_type=\u00a0\u00bbdefault\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\"><\/p><h3 class=\"box-title\">50 conseils pour votre sant\u00e9 financi\u00e8re, m\u00eame \u00e0 la retraite<\/h3><div class=\"box-content\">Obtenez des recommandations pratiques pour un avenir financier stable, aujourd'hui et \u00e0 la retraite.<\/div><\/div><a style=\"background-color:#3f4b6f;color:#ffffff\" class=\"custom-box-btn \" href=\"https:\/\/pointcapital.ch\/fr\/contact\/guide-prevoyance-vieillesse\/\"  ><img decoding=\"async\" src=\"https:\/\/pointcapital.ch\/wp-content\/themes\/salient-child\/img\/arrow-btn.svg\" \/>Vers le guide<\/a><\/div><div class=\"box-image\"><img decoding=\"async\" src=\"https:\/\/pointcapital.ch\/wp-content\/uploads\/2024\/06\/Ratgeber_CTA.jpg\" width=\"100%\" alt=\"\"><\/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 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 row_position_desktop=\u00a0\u00bbdefault\u00a0\u00bb row_position_tablet=\u00a0\u00bbinherit\u00a0\u00bb row_position_phone=\u00a0\u00bbinherit\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 box_sub_title=\u00a0\u00bbWhitepaper\u00a0\u00bb box_title=\u00a0\u00bbWelche Geldanlage ist die beste?\u00a0\u00bb box_description=\u00a0\u00bbIn diesem Whitepaper erfahren Sie\u2026<\/p>\n<ul>\n<li>wie es um die Rendite der einzelnen Anlageklassen bestellt ist<\/li>\n<li>warum es richtig ist, mit Aktien vorzusorgen<\/li>\n<li>warum nichts zu tun und Cash zu horten, keine Option ist<\/li>\n<\/ul>\n<p>\u00a0\u00bb box_aligment=\u00a0\u00bbleft\u00a0\u00bb box_btn_link=\u00a0\u00bb|||\u00a0\u00bb box_btn_text=\u00a0\u00bbJetzt herunterladen\u00a0\u00bb box_btn_bg_color=\u00a0\u00bb#3f4b6f\u00a0\u00bb box_btn_text_color=\u00a0\u00bb#ffffff\u00a0\u00bb box_btn_class=\u00a0\u00bbopen-termin-popup\u00a0\u00bb box_btn_pop_up=\u00a0\u00bbopen-whitepaper\u00a0\u00bb box_image=\u00a0\u00bb1447\u2033 box_class=\u00a0\u00bbwhitepaper-box\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 flex_gap_desktop=\u00a0\u00bb10px\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 text_direction=\u00a0\u00bbdefault\u00a0\u00bb]\n<h2>Planification de la retraite chez Point Capital : comment nous proc\u00e9dons<\/h2>\n<p>Point Capital vous accompagne pas \u00e0 pas dans le processus de planification. Notre approche est clairement structur\u00e9e, compr\u00e9hensible et enti\u00e8rement adapt\u00e9e \u00e0 vos objectifs de vie.[\/vc_column_text][toggles style=\u00a0\u00bbdefault\u00a0\u00bb border_radius=\u00a0\u00bbnone\u00a0\u00bb][toggle color=\u00a0\u00bbExtra-Color-2\u2033 heading_tag=\u00a0\u00bbdefault\u00a0\u00bb heading_tag_functionality=\u00a0\u00bbdefault\u00a0\u00bb title=\u00a0\u00bbAnalyse compl\u00e8te de votre situation patrimoniale et de pr\u00e9voyance\u00a0\u00bb][vc_column_text css=\u00a0\u00bb\u00a0\u00bb text_direction=\u00a0\u00bbdefault\u00a0\u00bb]Collecte de toutes les valeurs telles que :<\/p>\n<ul>\n<li>Revenu<\/li>\n<li>Caisse de pension<\/li>\n<li>Pilier 3a\/3b<\/li>\n<li>Comptes de libre passage<\/li>\n<li>Immobilier<\/li>\n<li>liquidit\u00e9s<\/li>\n<\/ul>\n[\/vc_column_text][vc_column_text][\/vc_column_text][\/toggle][toggle color=\u00a0\u00bbExtra-Color-2\u2033 heading_tag=\u00a0\u00bbdefault\u00a0\u00bb heading_tag_functionality=\u00a0\u00bbdefault\u00a0\u00bb title=\u00a0\u00bb\u00c9volution des sc\u00e9narios \u2013 par exemple, retraite \u00e0 63 ans vs. 65 ans\u00a0\u00bb][vc_column_text css=\u00a0\u00bb\u00a0\u00bb text_direction=\u00a0\u00bbdefault\u00a0\u00bb]Comparaison de l'impact sur :<\/p>\n<ul>\n<li>Montant de la pension et besoin en capital<\/li>\n<li>charge fiscale<\/li>\n<li>Lacunes en mati\u00e8re de pr\u00e9voyance et possibilit\u00e9s de financement<\/li>\n<\/ul>\n[\/vc_column_text][vc_column_text][\/vc_column_text][\/toggle][toggle color=\u00a0\u00bbExtra-Color-2\u2033 heading_tag=\u00a0\u00bbdefault\u00a0\u00bb heading_tag_functionality=\u00a0\u00bbdefault\u00a0\u00bb title=\u00a0\u00bbOptimisation fiscale et strat\u00e9gies de r\u00e9f\u00e9rence\u00a0\u00bb][vc_column_text css=\u00a0\u00bb\u00a0\u00bb text_direction=\u00a0\u00bbdefault\u00a0\u00bb]Planification cibl\u00e9e de l'ordre et du moment des paiements :<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>Coordination entre la caisse de pension, le pilier 3a et d'autres sources<\/li>\n<li>Retrait en capital ou rente ?<\/li>\n<li>Lissage de la progressivit\u00e9 de l'imp\u00f4t et r\u00e9duction des lacunes de pr\u00e9voyance<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n[\/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 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 row_position_desktop=\u00a0\u00bbdefault\u00a0\u00bb row_position_tablet=\u00a0\u00bbinherit\u00a0\u00bb row_position_phone=\u00a0\u00bbinherit\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 gradient_type=\u00a0\u00bbdefault\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 flex_gap_desktop=\u00a0\u00bb10px\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 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\">Rendez-vous de consultation<\/p><h3 class=\"box-title\">Apprenez-en davantage et obtenez des conseils personnalis\u00e9s \u2013 gratuitement et sans engagement.<\/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\" \/>Prenez rendez-vous d\u00e8s maintenant<\/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=\"Rendez-vous de consultation\"><\/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 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 row_position_desktop=\u00a0\u00bbdefault\u00a0\u00bb row_position_tablet=\u00a0\u00bbinherit\u00a0\u00bb row_position_phone=\u00a0\u00bbinherit\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 flex_gap_desktop=\u00a0\u00bb10px\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 text_direction=\u00a0\u00bbdefault\u00a0\u00bb]\n<h2>Erreurs fr\u00e9quentes dans la planification de la retraite et comment les \u00e9viter<\/h2>\n<p>Point Capital identifie tr\u00e8s t\u00f4t les points faibles critiques. Gr\u00e2ce \u00e0 nos services, vous \u00e9vitez de prendre des d\u00e9cisions erron\u00e9es et co\u00fbteuses.[\/vc_column_text][toggles style=\u00a0\u00bbdefault\u00a0\u00bb border_radius=\u00a0\u00bbnone\u00a0\u00bb][toggle color=\u00a0\u00bbExtra-Color-2\u2033 heading_tag=\u00a0\u00bbdefault\u00a0\u00bb heading_tag_functionality=\u00a0\u00bbdefault\u00a0\u00bb title=\u00a0\u00bbDes lacunes de pr\u00e9voyance non identifi\u00e9es\u00a0\u00bb][vc_column_text css=\u00a0\u00bb\u00a0\u00bb text_direction=\u00a0\u00bbdefault\u00a0\u00bb]Des trajectoires de revenus peu claires, des donn\u00e9es de caisse de pension incompl\u00e8tes ou des ann\u00e9es de cotisation manquantes entra\u00eenent en principe des lacunes de financement \u00e0 la retraite.[\/vc_column_text][vc_column_text][\/vc_column_text][\/toggle][toggle color=\u00a0\u00bbExtra-Color-2\u2033 heading_tag=\u00a0\u00bbdefault\u00a0\u00bb heading_tag_functionality=\u00a0\u00bbdefault\u00a0\u00bb title=\u00a0\u00bbLes aspects fiscaux ne sont pas pris en compte\u00a0\u00bb][vc_column_text css=\u00a0\u00bb\u00a0\u00bb text_direction=\u00a0\u00bbdefault\u00a0\u00bb]Sans planification cibl\u00e9e, des pics de progressivit\u00e9 sont possibles en cas de retrait de capital ou de revenus de retraite.[\/vc_column_text][vc_column_text][\/vc_column_text][\/toggle][toggle color=\u00a0\u00bbExtra-Color-2\u2033 heading_tag=\u00a0\u00bbdefault\u00a0\u00bb heading_tag_functionality=\u00a0\u00bbdefault\u00a0\u00bb title=\u00a0\u00bbPas de coordination entre les diff\u00e9rentes mesures de pr\u00e9caution\u00a0\u00bb][vc_column_text css=\u00a0\u00bb\u00a0\u00bb text_direction=\u00a0\u00bbdefault\u00a0\u00bb]Des inefficacit\u00e9s et des risques inutiles apparaissent lorsque le pilier 3a, la caisse de pension et les placements priv\u00e9s ne sont pas coordonn\u00e9s.[\/vc_column_text][\/toggle][toggle color=\u00a0\u00bbExtra-Color-2\u2033 heading_tag=\u00a0\u00bbdefault\u00a0\u00bb heading_tag_functionality=\u00a0\u00bbdefault\u00a0\u00bb title=\u00a0\u00bbAbsence de planification des liquidit\u00e9s pour les premi\u00e8res ann\u00e9es de retraite\u00a0\u00bb][vc_column_text css=\u00a0\u00bb\u00a0\u00bb text_direction=\u00a0\u00bbdefault\u00a0\u00bb]La stabilit\u00e9 financi\u00e8re imm\u00e9diatement apr\u00e8s la retraite est menac\u00e9e s'il y a en m\u00eame temps des retards de paiement et des frais fixes \u00e9lev\u00e9s.[\/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 row_position_desktop=\u00a0\u00bbdefault\u00a0\u00bb row_position_tablet=\u00a0\u00bbinherit\u00a0\u00bb row_position_phone=\u00a0\u00bbinherit\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 flex_gap_desktop=\u00a0\u00bb10px\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 text_direction=\u00a0\u00bbdefault\u00a0\u00bb]\n<h2>Une retraite autonome gr\u00e2ce \u00e0 une planification professionnelle<\/h2>\n<p>La planification de la retraite et <a href=\"https:\/\/pointcapital.ch\/fr\/gestion-de-fortune-en-suisse-pour-plus-de-securite\/\">la gestion de patrimoine<\/a> de Point Capital vous offrent la s\u00e9curit\u00e9, que vous souhaitiez construire, prot\u00e9ger ou utiliser votre patrimoine de mani\u00e8re cibl\u00e9e. Nos concepts sont individuels, compr\u00e9hensibles et adapt\u00e9s \u00e0 votre situation personnelle.<\/p>\n<ul>\n<li>Clart\u00e9 des besoins en capitaux, des liquidit\u00e9s et des sources de revenus<\/li>\n<li>une planification structur\u00e9e plut\u00f4t que des d\u00e9cisions individuelles isol\u00e9es<\/li>\n<li>Coordination de toutes les options de pr\u00e9voyance<\/li>\n<li>des solutions ind\u00e9pendantes et pr\u00e9dictives<\/li>\n<\/ul>\n[\/vc_column_text][\/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 row_position_desktop=\u00a0\u00bbdefault\u00a0\u00bb row_position_tablet=\u00a0\u00bbinherit\u00a0\u00bb row_position_phone=\u00a0\u00bbinherit\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 flex_gap_desktop=\u00a0\u00bb10px\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 text_direction=\u00a0\u00bbdefault\u00a0\u00bb]\n<h2>FAQ sur la planification de la retraite<\/h2>\n[\/vc_column_text][toggles style=\u00a0\u00bbdefault\u00a0\u00bb border_radius=\u00a0\u00bbnone\u00a0\u00bb][toggle color=\u00a0\u00bbExtra-Color-2\u2033 heading_tag=\u00a0\u00bbh3\u2033 heading_tag_functionality=\u00a0\u00bbdefault\u00a0\u00bb title=\u00a0\u00bb\u00c0 partir de quand faut-il commencer \u00e0 planifier sa retraite ?\u00a0\u00bb][vc_column_text css=\u00a0\u00bb\u00a0\u00bb text_direction=\u00a0\u00bbdefault\u00a0\u00bb]Commencez \u00e0 planifier votre retraite le plus t\u00f4t possible, et au plus tard \u00e0 partir de 50 ans. La marge de man\u0153uvre pour la constitution d'un patrimoine, l'optimisation fiscale et la personnalisation est plus grande si vous commencez plus t\u00f4t. Les solutions de pr\u00e9voyance priv\u00e9es telles que le pilier 3a ou les investissements immobiliers sont \u00e9galement pertinentes et peuvent \u00eatre planifi\u00e9es \u00e0 long terme.[\/vc_column_text][vc_column_text][\/vc_column_text][\/toggle][toggle color=\u00a0\u00bbExtra-Color-2\u2033 heading_tag=\u00a0\u00bbh3\u2033 heading_tag_functionality=\u00a0\u00bbdefault\u00a0\u00bb title=\u00a0\u00bbCombien co\u00fbte la planification de la retraite avec un conseiller ind\u00e9pendant ?\u00a0\u00bb][vc_column_text css=\u00a0\u00bb\u00a0\u00bb text_direction=\u00a0\u00bbdefault\u00a0\u00bb]En fonction de la complexit\u00e9, les frais de Point Capital se situent g\u00e9n\u00e9ralement entre CHF 1'000 et CHF 2'000. Notre conseil s\u00e9rieux comprend, entre autres, l'analyse de la situation de pr\u00e9voyance, la comparaison des diff\u00e9rentes possibilit\u00e9s ainsi que des strat\u00e9gies d'optimisation fiscale. Il est important de noter que la qualit\u00e9 de la planification influe sur votre s\u00e9curit\u00e9 financi\u00e8re \u00e0 la retraite.[\/vc_column_text][vc_column_text][\/vc_column_text][\/toggle][toggle color=\u00a0\u00bbExtra-Color-2\u2033 heading_tag=\u00a0\u00bbh3\u2033 heading_tag_functionality=\u00a0\u00bbdefault\u00a0\u00bb title=\u00a0\u00bbQue comprend une planification financi\u00e8re compl\u00e8te de la retraite ?\u00a0\u00bb][vc_column_text css=\u00a0\u00bb\u00a0\u00bb text_direction=\u00a0\u00bbdefault\u00a0\u00bb]Une planification financi\u00e8re de la retraite se compose d'une analyse de tous les actifs, des sources de revenus et des d\u00e9penses \u00e0 la retraite. Cela inclut \u00e9galement les imp\u00f4ts, les r\u00e9serves de liquidit\u00e9s et les plans de retrait. L'objectif est de garantir votre niveau de vie et d'utiliser les ressources disponibles de mani\u00e8re strat\u00e9gique.[\/vc_column_text][\/toggle][toggle color=\u00a0\u00bbExtra-Color-2\u2033 heading_tag=\u00a0\u00bbh3\u2033 heading_tag_functionality=\u00a0\u00bbdefault\u00a0\u00bb title=\u00a0\u00bbComment utiliser au mieux votre patrimoine de pr\u00e9voyance \u00e0 la retraite ?\u00a0\u00bb][vc_column_text css=\u00a0\u00bb\u00a0\u00bb text_direction=\u00a0\u00bbdefault\u00a0\u00bb]Vous pouvez retirer vos actifs de pr\u00e9voyance sous forme de capital ou de rente, selon vos besoins. Un conseil professionnel de Point Capital vous aidera \u00e0 d\u00e9velopper des strat\u00e9gies de versement qui restent flexibles pour vous et qui \u00e9vitent des charges fiscales inutiles. L'\u00e9chelonnement des retraits est \u00e9galement un moyen qui a fait ses preuves.[\/vc_column_text][\/toggle][toggle color=\u00a0\u00bbExtra-Color-2\u2033 heading_tag=\u00a0\u00bbh3\u2033 heading_tag_functionality=\u00a0\u00bbdefault\u00a0\u00bb title=\u00a0\u00bbQu'est-ce qui est le plus judicieux : une rente ou un retrait en capital ?\u00a0\u00bb][vc_column_text css=\u00a0\u00bb\u00a0\u00bb text_direction=\u00a0\u00bbdefault\u00a0\u00bb]Le choix d'une rente ou d'un retrait en capital d\u00e9pend fortement de votre situation personnelle et de vos besoins. Une rente offre des revenus planifiables \u00e0 vie et r\u00e9duit le risque de long\u00e9vit\u00e9. Un retrait en capital offre plus de flexibilit\u00e9 et d'opportunit\u00e9s en mati\u00e8re d'investissement, mais n\u00e9cessite une plus grande responsabilit\u00e9 personnelle. Point Capital analyse votre situation de d\u00e9part, vos objectifs et vos pr\u00e9f\u00e9rences et vous fait une recommandation sur mesure en fonction de ces \u00e9l\u00e9ments \u2013 une combinaison des deux variantes est \u00e9galement possible et judicieuse dans certaines circonstances.[\/vc_column_text][\/toggle][toggle color=\u00a0\u00bbExtra-Color-2\u2033 heading_tag=\u00a0\u00bbh3\u2033 heading_tag_functionality=\u00a0\u00bbdefault\u00a0\u00bb title=\u00a0\u00bbQuels sont les avantages de la planification patrimoniale pour la retraite ?\u00a0\u00bb][vc_column_text css=\u00a0\u00bb\u00a0\u00bb text_direction=\u00a0\u00bbdefault\u00a0\u00bb]Une planification de la retraite vous donne une vue d'ensemble de votre situation financi\u00e8re \u00e0 la retraite et vous assure de rester liquide \u00e0 long terme. Les risques peuvent \u00eatre minimis\u00e9s et les objectifs de vie individuels peuvent \u00eatre mieux r\u00e9alis\u00e9s. La planification est particuli\u00e8rement importante dans les phases telles que la retraite anticip\u00e9e ou les besoins de soins.[\/vc_column_text][\/toggle][\/toggles][vc_raw_html 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