{"id":7539,"date":"2021-06-21T11:10:08","date_gmt":"2021-06-21T09:10:08","guid":{"rendered":"https:\/\/www.fina.ch\/?p=7539"},"modified":"2022-06-15T14:06:58","modified_gmt":"2022-06-15T12:06:58","slug":"retraite-anticipee","status":"publish","type":"post","link":"https:\/\/www.fina.ch\/fr\/retraite-anticipee\/","title":{"rendered":"Retraite anticip\u00e9e"},"content":{"rendered":"<h2>Ce qu&#8217;il faut prendre en consid\u00e9ration pour une retraite anticip\u00e9e<\/h2>\n<h4>Vous trouverez les r\u00e9ponses aux questions suivantes dans le texte :<\/h4>\n<ul>\n<li>Quelles sont les cons\u00e9quences d&#8217;une retraite anticip\u00e9e pour l&#8217;AVS et la caisse de pension ?<\/li>\n<li>Quand puis-je prendre ma retraite ?<\/li>\n<li>Comment calculer la retraite anticip\u00e9e ?<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3>Retraite anticip\u00e9e AVS<\/h3>\n<p>Un retrait anticip\u00e9 de la rente du premier pilier (AVS), est possible un ou deux ans avant la retraite ordinaire. La retraite anticip\u00e9e r\u00e9duit le montant de votre retraite de 6,8 % pour chaque ann\u00e9e de retrait anticip\u00e9. Il vaut la peine de calculer s&#8217;il est pr\u00e9f\u00e9rable de combler la rente AVS jusqu&#8217;\u00e0 la retraite ordinaire avec ses propres \u00e9conomies, ou si la retraite anticip\u00e9e est plus judicieuse. En principe, on peut dire que la r\u00e9duction de la rente entra\u00eenera un d\u00e9savantage financier pour l&#8217;assur\u00e9 \u00e0 partir de 77 (pour les femmes) ou 78 (pour les hommes) ans. Par cons\u00e9quent, la rente anticip\u00e9e de l&#8217;AVS n&#8217;est g\u00e9n\u00e9ralement int\u00e9ressante qu&#8217;en cas de mauvaise sant\u00e9 et de faible esp\u00e9rance de vie restante. En cas de versement anticip\u00e9 de la rente AVS ou de cessation pr\u00e9matur\u00e9e de l&#8217;activit\u00e9 professionnelle, les cotisations AVS des personnes sans activit\u00e9 lucrative doivent \u00eatre vers\u00e9es annuellement. Le montant des cotisations est calcul\u00e9 sur la base des revenus et de la fortune de la pension. En fonction de votre situation en mati\u00e8re de retraite et de patrimoine, cela peut vous co\u00fbter cher.<\/p>\n<h3>Caisse de pension\/pr\u00e9voyance professionnelle\/prestations de libre passage<\/h3>\n<p>Selon la loi, le retrait anticip\u00e9 des prestations du 2e pilier est possible au plus t\u00f4t \u00e0 partir de 58 ans, mais selon les r\u00e8glements, la date peut \u00e9voluer ; le 60e anniversaire est ici largement utilis\u00e9. En particulier lors du choix d&#8217;une pension, les cons\u00e9quences d&#8217;une retraite anticip\u00e9e doivent \u00eatre soigneusement examin\u00e9es. Le certificat de pension peut \u00eatre utilis\u00e9 pour calculer la perte financi\u00e8re. En r\u00e8gle g\u00e9n\u00e9rale, la pension diminue d&#8217;environ 5 \u00e0 8 % pour chaque ann\u00e9e de retraite anticip\u00e9e. Il convient \u00e9galement de noter que les cotisations de l&#8217;employeur au fonds de pension cessent naturellement d\u00e8s que vous cessez de travailler. Comme les pourcentages de cotisation sont g\u00e9n\u00e9ralement les plus \u00e9lev\u00e9s pendant toute la p\u00e9riode d&#8217;assurance \u00e0 partir de 55 ans, la retraite anticip\u00e9e peut avoir un impact important sur les prestations de retraite. En outre, l&#8217;assur\u00e9 ne per\u00e7oit pas d&#8217;int\u00e9r\u00eats pendant cette p\u00e9riode. Si vous avez encore des comptes de libre passage, un retrait anticip\u00e9 est int\u00e9ressant ici en raison des taux d&#8217;int\u00e9r\u00eat g\u00e9n\u00e9ralement faibles. Des questions se posent aussi r\u00e9guli\u00e8rement \u00e0 propos de la retraite partielle, mais elles doivent \u00eatre clarifi\u00e9es au cas par cas.<\/p>\n<h3><a href=\"https:\/\/www.fina.ch\/fr\/le-principe-des-3-piliers\/3a-ou-3b-pour-ma-prevoyance\/\">Pilier 3a et 3b\u00a0<\/a><\/h3>\n<p>L&#8217;\u00e9pargne personnelle du troisi\u00e8me pilier peut \u00eatre retir\u00e9e 5 ans avant la retraite ordinaire. Le 3e pilier offre donc une bonne occasion d&#8217;\u00e9conomiser de l&#8217;argent pour combler la rente AVS, par exemple. A partir de la retraite anticip\u00e9e, les cotisations au pilier 3a ne peuvent plus \u00eatre d\u00e9duites fiscalement, ce qui signifie que les \u00e9conomies d&#8217;imp\u00f4ts cessent plus t\u00f4t, contrairement \u00e0 la retraite ordinaire. Lors de la planification de la retraite, il est important de veiller \u00e0 ce que les retraits en capital soient r\u00e9partis sur plusieurs ann\u00e9es. De cette mani\u00e8re, la situation fiscale peut souvent \u00eatre massivement optimis\u00e9e.<\/p>\n<h3>Calculer la retraite anticip\u00e9e<\/h3>\n<ul>\n<li>Comparez vos besoins mensuels avec le <a href=\"https:\/\/www.fina.ch\/fr\/modele-de-budget-domestique\/\">budget<\/a> du m\u00e9nage. Une fois que vous savez quel revenu mensuel vous pouvez esp\u00e9rer avoir pour prendre une retraite confortable, d&#8217;autres calculs n&#8217;auront de sens.<\/li>\n<li>Faites calculer les pertes de l&#8217;AVS et de la caisse de pension afin de conna\u00eetre votre <a href=\"https:\/\/www.fina.ch\/fr\/le-principe-des-3-piliers\/calculer-les-lacunes-de-revenus\/\">d\u00e9ficit de pension<\/a>.<\/li>\n<li>V\u00e9rifiez si votre employeur peut m\u00eame offrir la possibilit\u00e9 d&#8217;une pension de transition.<\/li>\n<li>Demandez \u00e0 un planificateur financier de calculer le capital suppl\u00e9mentaire que vous devez \u00e9pargner chaque mois pour financer une retraite anticip\u00e9e.<\/li>\n<li>D\u00e9cidez de la forme d&#8217;\u00e9pargne la plus efficace pour une retraite anticip\u00e9e : rachat dans la caisse de pension,<a href=\"https:\/\/www.fina.ch\/fr\/investissement-durable\/\"> \u00e9pargne en titres<\/a>, <a href=\"https:\/\/www.fina.ch\/fr\/le-principe-des-3-piliers\/comparaison-de-troisieme-pilier\/\">pension 3a ou 3b<\/a>, etc.<\/li>\n<\/ul>\n<h4>Co\u00fbt d&#8217;une planification de pr\u00e9voyance FINA :<\/h4>\n<p>Les 90 premi\u00e8res minutes de consultation sont gratuites. Une analyse de la pr\u00e9voyance, calculs compris, co\u00fbte 387 CHF. Dans les cas complexes, vous recevrez un devis de notre part.<\/p>\n<p>Appelez-nous, nous sommes impatients de vous entendre :<br \/>\n(Mo-Fr 9 \u00e0 18 heures)<br \/>\nBerne:\u00a0<a href=\"tel:+41319703880\">031 970 38 80<\/a><br \/>\nFribourg: <a href=\"tel:+41263471616\">026 347 16 16<\/a><br \/>\nK\u00f6niz: <a href=\"tel:+41319703880\">031 970 38 80<\/a><br \/>\nSoleure: <a href=\"tel:+41326245680\">032 624 56 80<\/a><br \/>\nSt. Gallen: <a href=\"tel:+41713800002\">071 380 00 02<\/a><br \/>\nThoune:\u00a0<a href=\"tel:+41332250160\">033 225 01 60<\/a><br \/>\nVi\u00e8ge: <a href=\"tel:+41279456660\">027 945 66 60<\/a><br \/>\nZ\u00fcrich: <a href=\"tel:+41432116161\">043 211 61 61<\/a><\/p>\n\n<p>&nbsp;<\/p>\n<script type=\"text\/javascript\">\n\/* <![CDATA[ *\/\nvar 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>Berne-K\u00f6niz<\/option><option value='Bern-Stadt' >Bern-Stadt<\/option><option value='Freiburg' >Freiburg<\/option><option value='Solothurn' >Solothurn<\/option><option value='Saint-Gall' >Saint-Gall<\/option><option value='Thun' >Thun<\/option><option value='Waadt' >Waadt<\/option><option value='Wallis' >Wallis<\/option><option value='Z\u00fcrich' >Z\u00fcrich<\/option><option value='Andere Region (Bitte Wohnort im Notizfeld angeben)' >Andere Region (Bitte Wohnort im Notizfeld angeben)<\/option><\/select><\/div><\/li><li id=\"field_1_16\" class=\"gfield gfield--type-radio gfield--type-choice gfield--input-type-radio gfield--width-full field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' >Je suis d\u00e9j\u00e0 client(e) de FINA<\/label><div class='ginput_container ginput_container_radio'><ul class='gfield_radio' id='input_1_16'>\n\t\t\t<li class='gchoice 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