{"id":6547,"date":"2021-03-23T10:45:25","date_gmt":"2021-03-23T09:45:25","guid":{"rendered":"https:\/\/www.fina.ch\/?p=6547"},"modified":"2026-06-30T22:56:54","modified_gmt":"2026-06-30T20:56:54","slug":"economisez-des-impots-avec-le-pilier-3a","status":"publish","type":"post","link":"https:\/\/www.fina.ch\/fr\/economisez-des-impots-avec-le-pilier-3a\/","title":{"rendered":"Economisez des imp\u00f4ts avec le pilier 3a"},"content":{"rendered":"<p>Toute personne qui \u00e9pargne dans un pilier 3a, qu&#8217;il s&#8217;agisse d&#8217; un <a href=\"https:\/\/www.fina.ch\/fr\/le-principe-des-3-piliers\/3eme-pilier-banque-ou-assurance\/\">3a aupr\u00e8s d&#8217;une compagnie d&#8217;assurance ou d&#8217;une banque<\/a>, peut d\u00e9duire ce montant de ses imp\u00f4ts jusqu&#8217;\u00e0 un maximum de 6883.- CHF (Montant pur 2022) par an pour les employ\u00e9s affili\u00e9s \u00e0 la LPP. Si vous avez le statut d&#8217;ind\u00e9pendant sans affiliation \u00e0 la LPP, le montant maximal est de 34&#8217;416.- CHF ou au plus 20% de votre revenu net.<br \/>\nCe montant doit \u00eatre d\u00e9duit du revenu dans la d\u00e9claration d&#8217;imp\u00f4t.<br \/>\nLa charge fiscale est moins \u00e9lev\u00e9e car le revenu imposable est r\u00e9duit. De plus, l&#8217;avoir du pilier 3a ne doit pas \u00eatre d\u00e9clar\u00e9 comme actif. En outre, les int\u00e9r\u00eats et les int\u00e9r\u00eats compos\u00e9s ou les gains en capital sont \u00e9galement exon\u00e9r\u00e9s de l&#8217;imp\u00f4t sur le revenu et de la retenue \u00e0 la source.<\/p>\n<p>Un taux d&#8217;imposition r\u00e9duit s&#8217;applique lors des retraits du pilier 3a. L&#8217;imp\u00f4t sur les capitaux de pr\u00e9voyance est progressif, donc plus le solde du pilier 3a est important, plus le retrait \u00e9chelonn\u00e9 peut \u00eatre avantageux.<br \/>\n\u00c9pargner pour la vieillesse peut signifier de faire un petit sacrifice dans la consommation actuelle, mais peut g\u00e9n\u00e9rer des avantages majeures pour la troisi\u00e8me \u00e9tape de la vie.<\/p>\n<h2>Comparez le 3\u00e8me pilier<\/h2>\n<p><a href=\"https:\/\/www.fina.ch\/fr\/le-principe-des-3-piliers\/comparaison-de-troisieme-pilier\/\">Comment trouver le 3\u00e8me pilier qui vous convient? Trouver le 3a adapt\u00e9 qui\u00a0 en trois \u00e9tapes faciles&#8230;.<\/a><\/p>\n<a href=\"https:\/\/www.fina.ch\/fr\/le-principe-des-3-piliers\/comparaison-de-troisieme-pilier\/\" class=\"button btn-secondary\" target=\"\">Comparaison des 3\u00e8me piliers<\/a>\n","protected":false},"excerpt":{"rendered":"<p>Toute personne qui \u00e9pargne dans un pilier 3a, qu&#8217;il s&#8217;agisse d&#8217; un 3a aupr\u00e8s d&#8217;une compagnie d&#8217;assurance ou d&#8217;une banque, peut d\u00e9duire ce montant de ses imp\u00f4ts jusqu&#8217;\u00e0 un maximum de 6883.- CHF (Montant pur 2022) par an pour les employ\u00e9s affili\u00e9s \u00e0 la LPP. Si vous avez le statut d&#8217;ind\u00e9pendant sans affiliation \u00e0 la [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":770,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_members_access_role":[],"_members_access_error":""},"categories":[2543],"tags":[2655,2661,2638,2656,2654],"class_list":["post-6547","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-non-classifiee","tag-3eme-pilier","tag-economie","tag-epargner","tag-interets-composes","tag-prevoyance-vieillesse"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.2 (Yoast SEO v28.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Economisez des imp\u00f4ts avec le pilier 3a - FINA Planification financi\u00e8re SA<\/title>\n<meta name=\"description\" content=\"Profitez des avantages fiscaux du pilier 3a et optimisez votre pr\u00e9voyance gr\u00e2ce aux conseils des experts FINA.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fina.ch\/fr\/economisez-des-impots-avec-le-pilier-3a\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Economisez des imp\u00f4ts avec le pilier 3a\" \/>\n<meta property=\"og:description\" content=\"Profitez des avantages fiscaux du pilier 3a et optimisez votre pr\u00e9voyance gr\u00e2ce aux conseils des experts FINA.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fina.ch\/fr\/economisez-des-impots-avec-le-pilier-3a\/\" \/>\n<meta property=\"og:site_name\" content=\"FINA Planification financi\u00e8re SA\" \/>\n<meta property=\"article:published_time\" content=\"2021-03-23T09:45:25+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-06-30T20:56:54+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.fina.ch\/wp-content\/uploads\/2018\/01\/Steuern-sparen-mit-3a.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"799\" \/>\n\t<meta property=\"og:image:height\" content=\"371\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Lisa Morgenegg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Lisa Morgenegg\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Economisez des imp\u00f4ts avec le pilier 3a - 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