{"id":6547,"date":"2021-03-23T10:45:25","date_gmt":"2021-03-23T09:45:25","guid":{"rendered":"https:\/\/www.fina.ch\/?p=6547"},"modified":"2022-06-17T14:57:58","modified_gmt":"2022-06-17T12:57:58","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":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[],"tags":[2655,2661,2638,2656,2654],"class_list":["post-6547","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","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 v26.4 (Yoast SEO v26.4) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Economisez des imp\u00f4ts avec le pilier 3a - FINA Planification financi\u00e8re SA<\/title>\n<meta name=\"description\" content=\"Economiser des imp\u00f4ts avec le pilier 3a. Tous les comparatifs de 3e pilier en banque ou assurance. 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Tous les comparatifs de 3e pilier en banque ou assurance. Les employ\u00e9s affili\u00e9s \u00e0 une caisse de pension peuvent d\u00e9duire 6883 CHF annuellement de leurs imp\u00f4ts","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.fina.ch\/fr\/economisez-des-impots-avec-le-pilier-3a\/","og_locale":"fr_FR","og_type":"article","og_title":"Economisez des imp\u00f4ts avec le pilier 3a","og_description":"Economiser des imp\u00f4ts avec le pilier 3a. Tous les comparatifs de 3e pilier en banque ou assurance. Les employ\u00e9s affili\u00e9s \u00e0 une caisse de pension peuvent d\u00e9duire 6883 CHF annuellement de leurs imp\u00f4ts","og_url":"https:\/\/www.fina.ch\/fr\/economisez-des-impots-avec-le-pilier-3a\/","og_site_name":"FINA Planification financi\u00e8re SA","article_published_time":"2021-03-23T09:45:25+00:00","article_modified_time":"2022-06-17T12:57:58+00:00","og_image":[{"width":799,"height":371,"url":"https:\/\/www.fina.ch\/wp-content\/uploads\/2018\/01\/Steuern-sparen-mit-3a.jpg","type":"image\/jpeg"}],"author":"Lisa Morgenegg","twitter_card":"summary_large_image","twitter_misc":{"\u00c9crit par":"Lisa Morgenegg","Dur\u00e9e de lecture estim\u00e9e":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.fina.ch\/fr\/economisez-des-impots-avec-le-pilier-3a\/#article","isPartOf":{"@id":"https:\/\/www.fina.ch\/fr\/economisez-des-impots-avec-le-pilier-3a\/"},"author":{"name":"Lisa Morgenegg","@id":"https:\/\/www.fina.ch\/fr\/#\/schema\/person\/3026e3d232db9668abd363bd8d76bc2d"},"headline":"Economisez des imp\u00f4ts avec le pilier 3a","datePublished":"2021-03-23T09:45:25+00:00","dateModified":"2022-06-17T12:57:58+00:00","mainEntityOfPage":{"@id":"https:\/\/www.fina.ch\/fr\/economisez-des-impots-avec-le-pilier-3a\/"},"wordCount":281,"commentCount":0,"publisher":{"@id":"https:\/\/www.fina.ch\/fr\/#organization"},"image":{"@id":"https:\/\/www.fina.ch\/fr\/economisez-des-impots-avec-le-pilier-3a\/#primaryimage"},"thumbnailUrl":"https:\/\/www.fina.ch\/wp-content\/uploads\/2018\/01\/Steuern-sparen-mit-3a.jpg","keywords":["3\u00e8me pilier","economie","Epargner","Int\u00e9r\u00eats compos\u00e9s","Pr\u00e9voyance vieillesse"],"inLanguage":"fr-FR","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.fina.ch\/fr\/economisez-des-impots-avec-le-pilier-3a\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.fina.ch\/fr\/economisez-des-impots-avec-le-pilier-3a\/","url":"https:\/\/www.fina.ch\/fr\/economisez-des-impots-avec-le-pilier-3a\/","name":"Economisez des imp\u00f4ts avec le pilier 3a - FINA Planification financi\u00e8re SA","isPartOf":{"@id":"https:\/\/www.fina.ch\/fr\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.fina.ch\/fr\/economisez-des-impots-avec-le-pilier-3a\/#primaryimage"},"image":{"@id":"https:\/\/www.fina.ch\/fr\/economisez-des-impots-avec-le-pilier-3a\/#primaryimage"},"thumbnailUrl":"https:\/\/www.fina.ch\/wp-content\/uploads\/2018\/01\/Steuern-sparen-mit-3a.jpg","datePublished":"2021-03-23T09:45:25+00:00","dateModified":"2022-06-17T12:57:58+00:00","description":"Economiser des imp\u00f4ts avec le pilier 3a. 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