{"id":32364,"date":"2026-08-03T09:15:33","date_gmt":"2026-08-03T07:15:33","guid":{"rendered":"https:\/\/novassurance.ch\/?page_id=32364"},"modified":"2026-08-04T10:17:31","modified_gmt":"2026-08-04T08:17:31","slug":"outil-simulateur-3e-pilier","status":"publish","type":"page","link":"https:\/\/novassurance.ch\/en\/outil-simulateur-3e-pilier\/","title":{"rendered":"outil-simulateur-3e-pilier"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"32364\" class=\"elementor elementor-32364\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4c9c47b e-flex e-con-boxed e-con e-parent\" data-id=\"4c9c47b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b375b04 elementor-widget elementor-widget-html\" data-id=\"b375b04\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<!-- Simulateur 3e pilier \u2014 WIDGET ELEMENTOR (Canvas). 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img{height:64px!important;width:auto!important;max-width:240px!important}\r\n.brand-mark{height:64px!important;width:auto!important;max-width:240px!important;display:block}\r\n.brand-name{font-weight:700;letter-spacing:.2px}\r\n.brand-name span{color:var(--ink-soft);font-weight:500}\r\n.eyebrow{font-size:12px;letter-spacing:.16em;text-transform:uppercase;color:var(--brass);\r\n  font-weight:600;display:flex;align-items:center;gap:10px;margin-bottom:14px}\r\n.eyebrow::before{content:\"\";width:26px;height:1px;background:var(--brass)}\r\nh1{font-family:\"Fraunces\",serif;font-weight:500;font-size:clamp(30px,5vw,46px);\r\n  line-height:1.06;letter-spacing:-.01em;margin:0 0 12px;max-width:16ch;text-transform:none}\r\n.lede{color:var(--ink-soft);font-size:clamp(16px,2.2vw,18px);max-width:52ch;margin:0}\r\n\r\n\/* ---------- Layout ---------- *\/\r\n.grid{display:grid;grid-template-columns:1.15fr .85fr;gap:24px;margin:34px 0 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solid var(--line);display:grid;grid-template-columns:1fr 1fr}\r\n.stat{padding:16px 22px}\r\n.stat + .stat{border-left:1px solid var(--line)}\r\n.stat .k{font-size:12px;color:var(--ink-soft);margin-bottom:6px;line-height:1.3}\r\n.stat .v{font-family:\"IBM Plex Mono\",monospace;font-size:19px;font-weight:500;color:var(--ink)}\r\n\r\n.compare{padding:18px 22px;border-top:1px solid var(--line)}\r\n.compare h4{margin:0 0 3px;font-size:13px;font-weight:600}\r\n.compare .sub{font-size:12px;color:var(--ink-soft);margin:0 0 14px}\r\n.bar-row{margin-bottom:12px}\r\n.bar-row:last-child{margin-bottom:0}\r\n.bar-top{display:flex;justify-content:space-between;align-items:baseline;font-size:13px;margin-bottom:5px}\r\n.bar-top .amt{font-family:\"IBM Plex Mono\",monospace;font-weight:500}\r\n.track{height:9px;background:var(--paper);border-radius:6px;overflow:hidden}\r\n.fill{height:100%;border-radius:6px;transition:width .5s cubic-bezier(.22,.61,.36,1)}\r\n.fill.compte{background:var(--ink)}\r\n.fill.titres{background:var(--grow)}\r\n\r\n\/* CTA *\/\r\n.cta{background:var(--ink);color:#fff;border-radius:0 0 var(--r) var(--r);padding:22px}\r\n.cta h3{font-family:\"Fraunces\",serif;font-weight:500;font-size:20px;margin:0 0 7px;color:#fff}\r\n.cta p{font-size:13.5px;color:#CFC6B5;margin:0 0 16px;line-height:1.45}\r\n.lead-form .lf{margin-bottom:10px}\r\n.lead-form input[type=text],.lead-form input[type=email],.lead-form input[type=tel]{\r\n  width:100%;font:inherit;font-size:14.5px;background:rgba(255,255,255,.07);color:#fff;\r\n  border:1px solid rgba(255,255,255,.16);border-radius:9px;padding:10px 12px}\r\n.lead-form input::placeholder{color:#AEA694}\r\n.lead-form input:focus{outline:none;border-color:var(--brass);background:rgba(255,255,255,.11)}\r\n.consent{display:flex;gap:9px;align-items:flex-start;font-size:11.5px;color:#B8B0A0;margin:12px 0 14px;line-height:1.4}\r\n.consent 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\" alt=\"NovAssurance\">\r\n    <\/div>\r\n    <div class=\"eyebrow\">Pr\u00e9voyance \u00b7 Suisse \u00b7 2026<\/div>\r\n    <h1>Combien votre 3\u1d49 pilier vous fait-il \u00e9conomiser ?<\/h1>\r\n    <p class=\"lede\">Estimez votre \u00e9conomie d'imp\u00f4t annuelle et le capital disponible \u00e0 la retraite. R\u00e9sultat imm\u00e9diat, sans engagement.<\/p>\r\n  <\/div>\r\n\r\n  <div class=\"grid\">\r\n\r\n    <!-- ====== INPUTS ====== -->\r\n    <section class=\"card panel\">\r\n\r\n      <div class=\"group\">\r\n        <p class=\"group-title\"><b>01<\/b> Votre situation<\/p>\r\n        <div class=\"two\">\r\n          <div class=\"field\">\r\n            <label for=\"age\">\u00c2ge actuel<\/label>\r\n            <div class=\"control\"><input type=\"number\" id=\"age\" value=\"40\" min=\"18\" max=\"70\"><\/div>\r\n          <\/div>\r\n          <div class=\"field\">\r\n            <label for=\"ageRetraite\">\u00c2ge de retraite vis\u00e9<\/label>\r\n            <div class=\"control\"><input type=\"number\" id=\"ageRetraite\" value=\"65\" min=\"40\" max=\"70\"><\/div>\r\n          <\/div>\r\n        <\/div>\r\n\r\n        <div class=\"field\">\r\n          <label for=\"revenu\">Revenu annuel net <span class=\"hint\">(salaire net)<\/span><\/label>\r\n          <div class=\"control chf\"><input type=\"number\" id=\"revenu\" value=\"90000\" min=\"0\" step=\"1000\"><\/div>\r\n        <\/div>\r\n\r\n        <div class=\"field\">\r\n          <label>\u00cates-vous affili\u00e9 \u00e0 une caisse de pension (2\u1d49 pilier) ?<\/label>\r\n          <div class=\"seg\" id=\"cpToggle\" role=\"group\" aria-label=\"Caisse de pension\">\r\n            <button type=\"button\" data-cp=\"1\" aria-pressed=\"true\">Oui<\/button>\r\n            <button type=\"button\" data-cp=\"0\" aria-pressed=\"false\">Non \/ ind\u00e9pendant<\/button>\r\n          <\/div>\r\n        <\/div>\r\n\r\n        <div class=\"two\">\r\n          <div class=\"field\">\r\n            <label for=\"versement\">Versement 3a pr\u00e9vu \/ an<\/label>\r\n            <div class=\"control chf\"><input type=\"number\" id=\"versement\" value=\"7258\" min=\"0\" step=\"100\"><\/div>\r\n            <p class=\"hint\" id=\"versementHint\" style=\"margin-top:6px\"><\/p>\r\n          <\/div>\r\n          <div class=\"field\">\r\n            <label for=\"solde\">3a d\u00e9j\u00e0 accumul\u00e9<\/label>\r\n            <div class=\"control chf\"><input type=\"number\" id=\"solde\" value=\"15000\" min=\"0\" step=\"1000\"><\/div>\r\n          <\/div>\r\n        <\/div>\r\n      <\/div>\r\n\r\n      <div class=\"group\">\r\n        <p class=\"group-title\"><b>02<\/b> Vos hypoth\u00e8ses<\/p>\r\n        <div class=\"field\">\r\n          <label for=\"canton\">Lieu de domicile<\/label>\r\n          <div class=\"control\"><select id=\"canton\">\r\n            <option value=\"30\">Gen\u00e8ve<\/option>\r\n            <option value=\"28\">Valais<\/option>\r\n            <option value=\"25\">Autre canton<\/option>\r\n            <option value=\"frontalier\">France \/ frontalier<\/option>\r\n          <\/select><\/div>\r\n          <p class=\"hint\" id=\"frontNote\" style=\"display:none;margin-top:6px;color:var(--brass)\">\u26a0\ufe0f Frontalier : la d\u00e9ductibilit\u00e9 du 3a d\u00e9pend de votre statut fiscal (quasi-r\u00e9sident). Estimation indicative \u2014 \u00e0 valider lors d'un bilan.<\/p>\r\n          <p class=\"hint\" style=\"margin-top:6px\">Sert \u00e0 pr\u00e9-remplir votre taux marginal \u2014 ajustez-le ci-dessous selon votre situation.<\/p>\r\n        <\/div>\r\n        <div class=\"field\">\r\n          <label for=\"taux\">Taux marginal d'imposition estim\u00e9<\/label>\r\n          <div class=\"control pct\"><input type=\"number\" id=\"taux\" value=\"30\" min=\"0\" max=\"55\" step=\"0.5\"><\/div>\r\n        <\/div>\r\n        <div class=\"two\">\r\n          <div class=\"field\">\r\n            <label for=\"rCompte\">Rendement 3a compte<\/label>\r\n            <div class=\"control pct\"><input type=\"number\" id=\"rCompte\" value=\"0.75\" min=\"0\" max=\"10\" step=\"0.05\"><\/div>\r\n          <\/div>\r\n          <div class=\"field\">\r\n            <label for=\"rTitres\">Rendement 3a titres<\/label>\r\n            <div class=\"control pct\"><input type=\"number\" id=\"rTitres\" value=\"3.5\" min=\"0\" max=\"12\" step=\"0.1\"><\/div>\r\n          <\/div>\r\n        <\/div>\r\n        <p class=\"hint\">Rendements hypoth\u00e9tiques et \u00e9ditables. Les performances pass\u00e9es ne pr\u00e9jugent pas des performances futures.<\/p>\r\n      <\/div>\r\n\r\n      <details class=\"opt\">\r\n        <summary>Rachat r\u00e9troactif 2026 (optionnel)<\/summary>\r\n        <div class=\"opt-body\">\r\n          <div class=\"field\">\r\n            <label for=\"rachat\">Montant de rachat envisag\u00e9 cette ann\u00e9e<\/label>\r\n            <div class=\"control chf\"><input type=\"number\" id=\"rachat\" value=\"0\" min=\"0\" step=\"100\"><\/div>\r\n          <\/div>\r\n          <div class=\"callout\">Nouveau depuis 2026 : vous pouvez combler des lacunes de cotisation 3a, mais uniquement pour les ann\u00e9es d\u00e8s 2025, apr\u00e8s avoir vers\u00e9 le montant de l'ann\u00e9e en cours, dans la limite du petit pilier 3a (CHF 7 258\/an) et dans un d\u00e9lai de 10 ans (une lacune 2025 est rachetable jusqu'en 2035). Estimation indicative \u2014 l'\u00e9ligibilit\u00e9 se v\u00e9rifie au cas par cas.<\/div>\r\n        <\/div>\r\n      <\/details>\r\n    <\/section>\r\n\r\n    <!-- ====== RESULTS ====== -->\r\n    <aside class=\"result\">\r\n      <div class=\"card panel\">\r\n        <div class=\"res-head\">\r\n          <div class=\"eyebrow\">Votre estimation<\/div>\r\n          <div class=\"headline\" id=\"rEconomie\">CHF 0<\/div>\r\n          <div class=\"headline-label\">d'\u00e9conomie d'imp\u00f4t cette ann\u00e9e<\/div>\r\n        <\/div>\r\n\r\n        <div class=\"res-stats\">\r\n          <div class=\"stat\">\r\n            <div class=\"k\">\u00c9conomies d'imp\u00f4t cumul\u00e9es d'ici la retraite<\/div>\r\n            <div class=\"v\" id=\"rCumul\">CHF 0<\/div>\r\n          <\/div>\r\n          <div class=\"stat\">\r\n            <div class=\"k\">\u00c9quivalent mensuel du versement<\/div>\r\n            <div class=\"v\" id=\"rMensuel\">CHF 0<\/div>\r\n          <\/div>\r\n        <\/div>\r\n\r\n        <div class=\"compare\">\r\n          <h4>Capital estim\u00e9 \u00e0 la retraite<\/h4>\r\n          <p class=\"sub\" id=\"rHorizon\">sur 0 an<\/p>\r\n          <div class=\"bar-row\">\r\n            <div class=\"bar-top\"><span>3a titres<\/span><span class=\"amt\" id=\"rTitresCap\">CHF 0<\/span><\/div>\r\n            <div class=\"track\"><div class=\"fill titres\" id=\"barTitres\" style=\"width:0%\"><\/div><\/div>\r\n          <\/div>\r\n          <div class=\"bar-row\">\r\n            <div class=\"bar-top\"><span>3a compte<\/span><span class=\"amt\" id=\"rCompteCap\">CHF 0<\/span><\/div>\r\n            <div class=\"track\"><div class=\"fill compte\" id=\"barCompte\" style=\"width:0%\"><\/div><\/div>\r\n          <\/div>\r\n        <\/div>\r\n\r\n        <div class=\"cta\">\r\n          <h3>L'avis de nos conseillers sur votre 3e pilier ?<\/h3>\r\n          <p>Bilan patrimonial complet ou simple question \u2014 nos conseillers vous r\u00e9pondent, gratuitement et sans engagement.<\/p>\r\n          <button class=\"btn\" id=\"ctaScroll\" style=\"display:block;box-sizing:border-box;\">\u00catre recontact\u00e9<\/button>\r\n        <\/div>\r\n\r\n        <p class=\"note\">Simulation \u00e0 but informatif. Elle ne constitue ni un conseil en placement, ni une offre, ni une prestation d'interm\u00e9diation financi\u00e8re ou d'assurance. Situations de frontalier : la d\u00e9ductibilit\u00e9 du 3a d\u00e9pend de votre imposition \u2014 \u00e0 v\u00e9rifier lors d'un bilan.<\/p>\r\n      <\/div>\r\n    <\/aside>\r\n  <\/div>\r\n\r\n  <footer>\r\n    <p class=\"disclaimer\">\r\n      <b>Plafonds 3a 2026 :<\/b> CHF 7 258 pour les personnes affili\u00e9es \u00e0 une caisse de pension ; jusqu'\u00e0 20 % du revenu net, plafonn\u00e9 \u00e0 CHF 36 288, pour les personnes sans 2\u1d49 pilier. Les r\u00e9sultats reposent sur les montants que vous saisissez et des hypoth\u00e8ses de rendement et de taux d'imposition que vous pouvez modifier ; ils constituent une estimation et non un calcul fiscal individualis\u00e9. Le taux marginal r\u00e9el d\u00e9pend de votre commune, de votre \u00e9tat civil et de l'ensemble de vos revenus.\r\n    <\/p>\r\n  <\/footer>\r\n<\/div>\r\n\r\n<script>\r\n\/* ============================================================\r\n   \u21e9 CONFIG NOVASSURANCE\r\n   LEAD_ENDPOINT : URL qui re\u00e7oit les leads (POST JSON).\r\n     - Power Automate : colle l'URL du d\u00e9clencheur \"Quand une requ\u00eate HTTP est re\u00e7ue\".\r\n     - Gravity Forms \/ Formspree \/ autre : colle l'endpoint du webhook.\r\n     - Laisse vide (\"\") pour un repli e-mail (mailto) automatique.\r\n   LEAD_EMAIL : e-mail de repli si LEAD_ENDPOINT est vide.\r\n   ============================================================ *\/\r\n\/* Capture des leads : via le formulaire WordPress de \/contact\/ (bouton CTA). *\/\r\n\r\n\/\/ --- Param\u00e8tres l\u00e9gaux 2026 ---\r\nconst MAX_AVEC_CP = 7258;\r\nconst MAX_SANS_CP = 36288;\r\nconst PART_REVENU_SANS_CP = 0.20;\r\n\r\nconst $ = id => document.getElementById(id);\r\nconst chf = n => new Intl.NumberFormat('fr-CH',{style:'currency',currency:'CHF',maximumFractionDigits:0}).format(Math.max(0,Math.round(n)));\r\n\r\nlet affilieCP = true;\r\n\r\n\/* future value, versements en d\u00e9but d'ann\u00e9e (annuit\u00e9 de d\u00e9but) + solde existant capitalis\u00e9 *\/\r\nfunction projeter(solde, versementAnnuel, tauxPct, annees){\r\n  const r = tauxPct\/100;\r\n  if(annees<=0) return solde;\r\n  const soldeFV = solde*Math.pow(1+r,annees);\r\n  const versFV = r===0 ? versementAnnuel*annees\r\n    : versementAnnuel*((Math.pow(1+r,annees)-1)\/r)*(1+r);\r\n  return soldeFV + versFV;\r\n}\r\n\r\nfunction calc(){\r\n  const age = +$('age').value||0;\r\n  const ageRet = +$('ageRetraite').value||0;\r\n  const revenu = +$('revenu').value||0;\r\n  const soldeAct = +$('solde').value||0;\r\n  const taux = +$('taux').value||0;\r\n  const rC = +$('rCompte').value||0;\r\n  const rT = +$('rTitres').value||0;\r\n  const rachat = +$('rachat').value||0;\r\n\r\n  const plafond = affilieCP ? MAX_AVEC_CP : Math.min(revenu*PART_REVENU_SANS_CP, MAX_SANS_CP);\r\n\r\n  \/\/ versement plafonn\u00e9\r\n  let versement = +$('versement').value||0;\r\n  const capped = versement > plafond;\r\n  if(capped) versement = plafond;\r\n\r\n  const annees = Math.max(0, ageRet - age);\r\n\r\n  \/\/ \u00e9conomie d'imp\u00f4t\r\n  const ecoVersement = versement * taux\/100;\r\n  const ecoRachat = rachat * taux\/100;\r\n  const ecoAnnuelle = ecoVersement + ecoRachat;\r\n  const cumul = ecoVersement*annees + ecoRachat; \/\/ rachat = ponctuel\r\n\r\n  \/\/ projection capital (le rachat s'ajoute au solde de d\u00e9part cette ann\u00e9e)\r\n  const capTitres = projeter(soldeAct + rachat, versement, rT, annees);\r\n  const capCompte = projeter(soldeAct + rachat, versement, rC, annees);\r\n\r\n  \/\/ rendu\r\n  animate($('rEconomie'), ecoAnnuelle);\r\n  $('rCumul').textContent = chf(cumul);\r\n  $('rMensuel').textContent = chf(versement\/12);\r\n  $('rHorizon').textContent = 'sur ' + annees + (annees>1?' ans':' an');\r\n  $('rTitresCap').textContent = chf(capTitres);\r\n  $('rCompteCap').textContent = chf(capCompte);\r\n\r\n  const maxCap = Math.max(capTitres, capCompte, 1);\r\n  $('barTitres').style.width = (capTitres\/maxCap*100)+'%';\r\n  $('barCompte').style.width = (capCompte\/maxCap*100)+'%';\r\n\r\n  \/\/ hint plafond\r\n  const h = $('versementHint');\r\n  if(capped){ h.textContent = 'Plafonn\u00e9 \u00e0 '+chf(plafond)+' (max l\u00e9gal 2026).'; h.style.color='var(--brass)'; }\r\n  else { h.textContent = 'Maximum d\u00e9ductible : '+chf(plafond)+'.'; h.style.color='var(--ink-soft)'; }\r\n}\r\n\r\n\/* petit compteur anim\u00e9 sur le chiffre principal *\/\r\nlet raf;\r\nfunction animate(el, target){\r\n  if(window.matchMedia('(prefers-reduced-motion:reduce)').matches){ el.textContent=chf(target); return; }\r\n  cancelAnimationFrame(raf);\r\n  const start = parseFloat((el.dataset.val)||0), t0 = performance.now(), dur=420;\r\n  function step(now){\r\n    const p = Math.min(1,(now-t0)\/dur), e = 1-Math.pow(1-p,3);\r\n    const cur = start+(target-start)*e;\r\n    el.textContent = chf(cur);\r\n    if(p<1) raf=requestAnimationFrame(step); else el.dataset.val=target;\r\n  }\r\n  raf=requestAnimationFrame(step);\r\n}\r\n\r\n\/* toggle caisse de pension *\/\r\n$('cpToggle').addEventListener('click', e=>{\r\n  const b = e.target.closest('button'); if(!b) return;\r\n  affilieCP = b.dataset.cp==='1';\r\n  [...$('cpToggle').children].forEach(x=>x.setAttribute('aria-pressed', x===b));\r\n  calc();\r\n});\r\n\r\n\/* canton -> pr\u00e9-remplit le taux *\/\r\n$('canton').addEventListener('change', e=>{\r\n  const v=e.target.value;\r\n  if(v==='frontalier'){ $('taux').value=25; $('frontNote').style.display='block'; }\r\n  else { $('taux').value=v; $('frontNote').style.display='none'; }\r\n  calc();\r\n});\r\n\r\n\/* recalcul live *\/\r\n['age','ageRetraite','revenu','solde','versement','taux','rCompte','rTitres','rachat']\r\n  .forEach(id=>$(id).addEventListener('input', calc));\r\n\r\n\r\n\r\n\/* ---- CTA : defiler vers le formulaire (parent, meme domaine) ---- *\/\r\nvar cs=document.getElementById('ctaScroll');\r\nif(cs) cs.addEventListener('click', function(){\r\n  try{ var f=window.parent.document.getElementById('form-bilan'); if(f){ f.scrollIntoView({behavior:'smooth'}); return; } }catch(e){}\r\n  window.top.location.href='https:\/\/novassurance.ch\/simulateur-3e-pilier\/#form-bilan';\r\n});\r\n\r\ncalc();\r\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f4e02f5 elementor-widget elementor-widget-html\" data-id=\"f4e02f5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>\r\n   #trp-floater-ls { display: none !important; }\r\n   <\/style>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Pr\u00e9voyance \u00b7 Suisse \u00b7 2026 Combien votre 3\u1d49 pilier vous fait-il \u00e9conomiser ? Estimez votre \u00e9conomie d&rsquo;imp\u00f4t annuelle et le capital disponible \u00e0 la retraite. R\u00e9sultat imm\u00e9diat, sans engagement. 01 Votre situation \u00c2ge actuel \u00c2ge de retraite vis\u00e9 Revenu annuel net (salaire net) \u00cates-vous affili\u00e9 \u00e0 une caisse de pension (2\u1d49 pilier) ? Oui Non [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_canvas","meta":{"_acf_changed":false,"_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"yes","_seopress_robots_follow":"","_seopress_robots_imageindex":"yes","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"","_seopress_social_fb_desc":"","_seopress_social_fb_img":"","_seopress_social_fb_img_attachment_id":0,"_seopress_social_fb_img_width":0,"_seopress_social_fb_img_height":0,"_seopress_social_twitter_title":"","_seopress_social_twitter_desc":"","_seopress_social_twitter_img":"","_seopress_social_twitter_img_attachment_id":0,"_seopress_social_twitter_img_width":0,"_seopress_social_twitter_img_height":0,"_seopress_redirections_value":"","_seopress_redirections_enabled":"","_seopress_redirections_enabled_regex":"","_seopress_redirections_logged_status":"","_seopress_redirections_param":"","_seopress_redirections_type":0,"_seopress_analysis_target_kw":"","_eb_attr":"","om_disable_all_campaigns":false,"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"full-width-container","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-32364","page","type-page","status-publish","hentry"],"acf":[],"rttpg_featured_image_url":null,"rttpg_author":{"display_name":"Guillaume","author_link":"https:\/\/novassurance.ch\/en\/author\/guillaume\/"},"rttpg_comment":0,"rttpg_category":null,"rttpg_excerpt":"Pr\u00e9voyance \u00b7 Suisse \u00b7 2026 Combien votre 3\u1d49 pilier vous fait-il \u00e9conomiser ? Estimez votre \u00e9conomie d&rsquo;imp\u00f4t annuelle et le capital disponible \u00e0 la retraite. R\u00e9sultat imm\u00e9diat, sans engagement. 01 Votre situation \u00c2ge actuel \u00c2ge de retraite vis\u00e9 Revenu annuel net (salaire net) \u00cates-vous affili\u00e9 \u00e0 une caisse de pension (2\u1d49 pilier) ? Oui Non&hellip;","_links":{"self":[{"href":"https:\/\/novassurance.ch\/en\/wp-json\/wp\/v2\/pages\/32364","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/novassurance.ch\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/novassurance.ch\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/novassurance.ch\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/novassurance.ch\/en\/wp-json\/wp\/v2\/comments?post=32364"}],"version-history":[{"count":20,"href":"https:\/\/novassurance.ch\/en\/wp-json\/wp\/v2\/pages\/32364\/revisions"}],"predecessor-version":[{"id":32512,"href":"https:\/\/novassurance.ch\/en\/wp-json\/wp\/v2\/pages\/32364\/revisions\/32512"}],"wp:attachment":[{"href":"https:\/\/novassurance.ch\/en\/wp-json\/wp\/v2\/media?parent=32364"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}