{"id":157831,"date":"2026-06-02T14:47:10","date_gmt":"2026-06-02T14:47:10","guid":{"rendered":"https:\/\/www.europesays.com\/ch-fr\/157831\/"},"modified":"2026-06-02T14:47:10","modified_gmt":"2026-06-02T14:47:10","slug":"dans-le-deuxieme-pilier-les-ecarts-entre-les-taux-credites-aux-assures-ne-cessent-de-se-creuser","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/ch-fr\/157831\/","title":{"rendered":"Dans le deuxi\u00e8me pilier, les \u00e9carts entre les taux cr\u00e9dit\u00e9s aux assur\u00e9s ne cessent de se creuser"},"content":{"rendered":"<p>    R\u00e9sum\u00e9 en 20 secondes<\/p>\n<p>        En savoir plus sur ce type de contenu<\/p>\n<p>Ce r\u00e9sum\u00e9 peut avoir \u00e9t\u00e9 \u00e9crit avec l&rsquo;assistance d\u2019une IA g\u00e9n\u00e9rative. <a href=\"https:\/\/www.letemps.ch\/cyber\/l-usage-de-l-ia-generative-par-les-journalistes-du-temps\" rel=\"nofollow noopener\" target=\"_blank\">En savoir plus<\/a><\/p>\n<p class=\"article__abstract-call-to-action\" data-ariato=\"TrackableElement\" data-trackable-element-type=\"article_abstract_cta\" data-trackable-element-location=\"article_header\" data-trackable-element-id=\"532044\">\n        <a data-event=\"click-&gt;clicked\" href=\"https:\/\/www.letemps.ch\/abonnements\" rel=\"nofollow noopener\" target=\"_blank\">Abonnez-vous<\/a> pour acc\u00e9der au r\u00e9sum\u00e9 en 20 secondes.\n      <\/p>\n<p>Le deuxi\u00e8me pilier poursuit sa mue. En 2025, pour la premi\u00e8re fois, les assur\u00e9s ont retir\u00e9 davantage d\u2019avoirs de vieillesse sous forme de capital que sous forme de rente au moment de la retraite. Selon l\u2019\u00e9tude 2026 de Swisscanto sur les caisses de pension publi\u00e9e mardi, 51% des prestations ont \u00e9t\u00e9 vers\u00e9es en capital, confirmant une tendance qui redessine progressivement les contours de la pr\u00e9voyance professionnelle.<\/p>\n<p>Cette \u00e9volution rel\u00e8gue au second plan le taux de conversion \u2013 qui d\u00e9termine le montant de la rente \u00e0 partir de l\u2019avoir de vieillesse \u2013 longtemps au c\u0153ur des d\u00e9bats sur le deuxi\u00e8me pilier. L\u2019essor du retrait en capital est souvent attribu\u00e9 \u00e0 l\u2019\u00e9rosion des taux de conversion, qui a r\u00e9duit les prestations garanties ces derni\u00e8res ann\u00e9es. Pourtant, Swisscanto, marque de fonds de placement et de solutions de pr\u00e9voyance de la Banque cantonale de Zurich, remet en question cette lecture. En 2024, les caisses appliquant les taux de conversion les plus faibles n\u2019ont pas connu une proportion plus \u00e9lev\u00e9e de retraits en capital que celles proposant des taux plus \u00e9lev\u00e9s.<\/p>\n","protected":false},"excerpt":{"rendered":"R\u00e9sum\u00e9 en 20 secondes En savoir plus sur ce type de contenu Ce r\u00e9sum\u00e9 peut avoir \u00e9t\u00e9 \u00e9crit&hellip;\n","protected":false},"author":2,"featured_media":157832,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_share_on_mastodon":"0"},"categories":[6],"tags":[45,44,1226,43,22013,174,7382,7334,23],"class_list":["post-157831","post","type-post","status-publish","format-standard","has-post-thumbnail","category-economie","tag-business","tag-economie","tag-economie-suisse","tag-economy","tag-placements","tag-premium","tag-prevoyance","tag-retraites","tag-suisse"],"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@ch_fr\/116681064246041712","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/ch-fr\/wp-json\/wp\/v2\/posts\/157831","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/ch-fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/ch-fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ch-fr\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ch-fr\/wp-json\/wp\/v2\/comments?post=157831"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/ch-fr\/wp-json\/wp\/v2\/posts\/157831\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ch-fr\/wp-json\/wp\/v2\/media\/157832"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/ch-fr\/wp-json\/wp\/v2\/media?parent=157831"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/ch-fr\/wp-json\/wp\/v2\/categories?post=157831"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/ch-fr\/wp-json\/wp\/v2\/tags?post=157831"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}