{"id":29751,"date":"2022-01-08T19:45:27","date_gmt":"2022-01-08T18:45:27","guid":{"rendered":"https:\/\/abes.ch\/?page_id=29751"},"modified":"2023-12-14T16:17:03","modified_gmt":"2023-12-14T15:17:03","slug":"prevoyance-professionnelle","status":"publish","type":"page","link":"https:\/\/abes.ch\/fr\/berufliche-vorsorge\/","title":{"rendered":"Pr\u00e9voyance professionnelle"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"29751\" class=\"elementor elementor-29751\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1d08221 e-flex e-con-boxed e-con e-parent\" data-id=\"1d08221\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;video&quot;,&quot;background_video_link&quot;:&quot;https:\\\/\\\/abes.ch\\\/wp-content\\\/uploads\\\/2023\\\/11\\\/AdobeStock_258762363.mov&quot;,&quot;background_play_on_mobile&quot;:&quot;yes&quot;,&quot;background_video_start&quot;:1,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-background-video-container\">\n\t\t\t\t\t\t\t<video class=\"elementor-background-video-hosted\" role=\"presentation\" autoplay muted playsinline loop><\/video>\n\t\t\t\t\t<\/div><div class=\"elementor-element elementor-element-3229c2f e-con-full e-flex e-con e-child\" data-id=\"3229c2f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1c7425f e-con-full e-flex e-con e-child\" data-id=\"1c7425f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dd63d9f elementor-widget-tablet__width-initial elementor-widget elementor-widget-elementskit-heading\" data-id=\"dd63d9f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper text_left   ekit_heading_tablet-   ekit_heading_mobile-\"><span class=\"elementskit-section-subtitle  elementskit-style-border\">\n\t\t\t\t\t\tNous conseillons, accompagnons et encadrons\n\t\t\t\t\t<\/span><h2 class=\"ekit-heading--title elementskit-section-title\">Aussi individuel que votre ADN<br><br>Des solutions de pr\u00e9voyance qui s'adaptent \u00e0 votre ADN<\/h2><\/div><\/div>\t\t\t\t<\/div>\n\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<section class=\"elementor-section elementor-top-section elementor-element elementor-element-501c4a7b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"501c4a7b\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6ea91c8\" data-id=\"6ea91c8\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2bfe7ea7 elementor-widget elementor-widget-elementskit-heading\" data-id=\"2bfe7ea7\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper text_center   ekit_heading_tablet-   ekit_heading_mobile-\"><h2 class=\"ekit-heading--title elementskit-section-title\">Nous sommes une \u00e9quipe de sp\u00e9cialistes<\/h2><div class=\"ekit_heading_separetor_wraper ekit_heading_elementskit-border-divider elementskit-style-long\"><div class=\"elementskit-border-divider elementskit-style-long\"><\/div><\/div>\t\t\t\t<div class='ekit-heading__description'>\n\t\t\t\t\t<p><span style=\"vertical-align: inherit\">Nous travaillons avec tous les principaux prestataires du march\u00e9 suisse de la pr\u00e9voyance.<br \/>Cela nous permet de vous donner un aper\u00e7u complet des mod\u00e8les de pr\u00e9voyance disponibles ainsi que de leurs avantages et inconv\u00e9nients.<\/span><\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1cbd58a e-flex e-con-boxed e-con e-parent\" data-id=\"1cbd58a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dadffb2 elementor-widget elementor-widget-text-editor\" data-id=\"dadffb2\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">La situation incertaine sur les march\u00e9s financiers, l'environnement de taux d'int\u00e9r\u00eat bas ainsi que l'\u00e9volution d\u00e9mographique en Suisse font que la pr\u00e9voyance professionnelle attire de plus en plus l'attention du public.<\/span><\/span><\/p>\n<!-- \/wp:paragraph --><!-- wp:paragraph -->\n<p><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Redistribution entre les actifs et les retrait\u00e9s, transparence accrue, d\u00e9veloppement de la surveillance, baisse continue du taux de conversion, taux d'int\u00e9r\u00eat minimum r\u00e9duit, d\u00e9couverts et mesures d'assainissement ne sont que quelques-uns des th\u00e8mes qui suscitent le d\u00e9bat.<\/span><\/span><\/span><\/p>\n<!-- \/wp:paragraph --><!-- wp:paragraph -->\n<p><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Les employeurs, les responsables RH et les membres des commissions de pr\u00e9voyance ont une responsabilit\u00e9 envers les assur\u00e9s et sont confront\u00e9s \u00e0 des questions de plus en plus complexes.<\/span><\/span><\/span><\/p>\n<p><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Nous vous conseillons et vous soutenons dans tous les domaines de la pr\u00e9voyance professionnelle. Nous aidons les entrepreneurs \u00e0 concevoir et \u00e0 choisir une solution de pr\u00e9voyance moderne. L'objectif est de mettre en place une solution de pr\u00e9voyance parfaitement adapt\u00e9e aux besoins de l'entreprise et de ses collaborateurs. Nous mettons volontiers \u00e0 votre disposition nos vastes connaissances sp\u00e9cialis\u00e9es - l\u00e0 o\u00f9 vous le souhaitez, nous faisons bien entendu appel \u00e0 des experts en pr\u00e9voyance professionnelle - et nos connaissances tr\u00e8s \u00e9tendues du march\u00e9 de la pr\u00e9voyance.<\/span><\/span><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-34618d9 elementor-widget elementor-widget-heading\" data-id=\"34618d9\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/abes.ch\/wp-content\/uploads\/2022\/03\/CV-PK-Experte-Dr.-Jaap-van-Dam.pdf\" target=\"_blank\">Notre \u00e9quipe LPP est accompagn\u00e9e de mani\u00e8re professionnelle par notre expert en CP, Dr. Jaap van Dam<\/a><\/h5>\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\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-15e5c69 e-flex e-con-boxed e-con e-parent\" data-id=\"15e5c69\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-62e1d8e elementor-widget elementor-widget-elementskit-heading\" data-id=\"62e1d8e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper text_center   ekit_heading_tablet-   ekit_heading_mobile-\"><h2 class=\"ekit-heading--title elementskit-section-title\">Notre approche s'articule autour d'un mod\u00e8le en cinq \u00e9tapes<\/h2>\t\t\t\t<div class='ekit-heading__description'>\n\t\t\t\t\t<p><span style=\"vertical-align: inherit\">Pendant toute la phase du projet, toutes les parties prenantes sont impliqu\u00e9es et toutes les d\u00e9penses sont d\u00e9clar\u00e9es de mani\u00e8re transparente sur la base d'honoraires.<\/span><\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div><\/div>\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<div class=\"pp-bg-effects pp-bg-effects-9ab0669 elementor-element elementor-element-9ab0669 e-con-full pp-bg-effects-yes e-flex e-con e-parent\" data-section-id=\"9ab0669\" data-effect-enable=\"yes\" data-animation-type=\"net\" data-canvas-opacity=\"0.5\" data-hide-max-width=\"none\" data-hide-min-width=\"none\" data-net-color=\"0x24549F\" data-net-bg-color=\"0xF7F4EB\" data-net-points=\"10\" data-net-max-distance=\"30\" data-net-spacing=\"15\" data-net-show-dot=\"1\" data-id=\"9ab0669\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;pp_background_effects_enable&quot;:&quot;yes&quot;,&quot;net_show_dot&quot;:&quot;true&quot;,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2c25a22f elementor-widget__width-initial elementor-widget elementor-widget-elementskit-timeline\" data-id=\"2c25a22f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-timeline.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >        <div class=\"timeline-area vertical-timeline multi-gradient floating-style bothside\" > \n\n         \n                    <div class=\"single-timeline media single-timeline-count-1 elementor-repeater-item-ffa4a27\" >\n                            <div class=\"timeline-item media\" data-settings=\"{&quot;_animation&quot;:&quot;&quot;}\">\n                                <div class=\"timeline-content\">\n\n                                     \n                                                                            <h3 class=\"title\">Analyse<\/h3>\n                                    \n                                                                  <p>Examen de la situation actuelle et analyse des besoins adapt\u00e9e aux risques  \n\n<\/p>\n                              \n\n\n                            \n                                <\/div><!-- .timeline-content END -->\n                                                               <div class=\"timeline-pin\"><\/div>\n                            <\/div><!-- .timeline-item .media END -->\n\n                    \n                    <div class=\"timeline-info\" data-settings=\"{&quot;_animation&quot;:&quot;&quot;}\">\n                    \n                    <h4 class=\"date\">\n                                        \u00c9tape 1 <\/h4>\n\n                                         <\/div>\n\n                                    <div class=\"timeline-img\"><\/div>\n\n\n           \n                        <\/div><!-- .single-timeline .media END -->\n       \n                    <div class=\"single-timeline media single-timeline-count-2 elementor-repeater-item-26836ea\" >\n                            <div class=\"timeline-item media\" data-settings=\"{&quot;_animation&quot;:&quot;&quot;}\">\n                                <div class=\"timeline-content\">\n\n                                     \n                                                                            <h3 class=\"title\">Conception<\/h3>\n                                    \n                                                                  <p>D\u00e9finition des \u00e9tapes et conception d'une solution de pr\u00e9voyance sur mesure\n\n<\/p>\n                              \n\n\n                            \n                                <\/div><!-- .timeline-content END -->\n                                                               <div class=\"timeline-pin\"><\/div>\n                            <\/div><!-- .timeline-item .media END -->\n\n                    \n                    <div class=\"timeline-info\" data-settings=\"{&quot;_animation&quot;:&quot;&quot;}\">\n                    \n                    <h4 class=\"date\">\n                                        \u00c9tape 2 <\/h4>\n\n                                         <\/div>\n\n                                    <div class=\"timeline-img\"><\/div>\n\n\n           \n                        <\/div><!-- .single-timeline .media END -->\n       \n                    <div class=\"single-timeline media single-timeline-count-3 elementor-repeater-item-c017a69\" >\n                            <div class=\"timeline-item media\" data-settings=\"{&quot;_animation&quot;:&quot;&quot;}\">\n                                <div class=\"timeline-content\">\n\n                                     \n                                                                            <h3 class=\"title\">Enqu\u00eate<\/h3>\n                                    \n                                                                  <p>Sondage aupr\u00e8s des collaborateurs en tenant compte du droit de participation l\u00e9gal des salari\u00e9s ou de leur repr\u00e9sentation (art. 11, al. 3 et suivants, LPP)<\/p>\n                              \n\n\n                            \n                                <\/div><!-- .timeline-content END -->\n                                                               <div class=\"timeline-pin\"><\/div>\n                            <\/div><!-- .timeline-item .media END -->\n\n                    \n                    <div class=\"timeline-info\" data-settings=\"{&quot;_animation&quot;:&quot;&quot;}\">\n                    \n                    <h4 class=\"date\">\n                                        \u00c9tape 3 <\/h4>\n\n                                         <\/div>\n\n                                    <div class=\"timeline-img\"><\/div>\n\n\n           \n                        <\/div><!-- .single-timeline .media END -->\n       \n                    <div class=\"single-timeline media single-timeline-count-4 elementor-repeater-item-d803f41\" >\n                            <div class=\"timeline-item media\" data-settings=\"{&quot;_animation&quot;:&quot;&quot;}\">\n                                <div class=\"timeline-content\">\n\n                                     \n                                                                            <h3 class=\"title\">Soumission<\/h3>\n                                    \n                                                                  <p>Appel d'offres complet aupr\u00e8s de tous les acteurs du march\u00e9 concern\u00e9s avec une \u00e9valuation transparente<\/p>\n                              \n\n\n                            \n                                <\/div><!-- .timeline-content END -->\n                                                               <div class=\"timeline-pin\"><\/div>\n                            <\/div><!-- .timeline-item .media END -->\n\n                    \n                    <div class=\"timeline-info\" data-settings=\"{&quot;_animation&quot;:&quot;&quot;}\">\n                    \n                    <h4 class=\"date\">\n                                        \u00c9tape 4 <\/h4>\n\n                                         <\/div>\n\n                                    <div class=\"timeline-img\"><\/div>\n\n\n           \n                        <\/div><!-- .single-timeline .media END -->\n       \n                    <div class=\"single-timeline media single-timeline-count-5 elementor-repeater-item-c7c5f8e\" >\n                            <div class=\"timeline-item media\" data-settings=\"{&quot;_animation&quot;:&quot;&quot;}\">\n                                <div class=\"timeline-content\">\n\n                                     \n                                                                            <h3 class=\"title\">Mise en \u0153uvre<\/h3>\n                                    \n                                                                  <p>La finalisation optimis\u00e9e est introduite initialement par une pr\u00e9sentation des collaborateurs qui l'accompagnent.<\/p>\n                              \n\n\n                            \n                                <\/div><!-- .timeline-content END -->\n                                                               <div class=\"timeline-pin\"><\/div>\n                            <\/div><!-- .timeline-item .media END -->\n\n                    \n                    <div class=\"timeline-info\" data-settings=\"{&quot;_animation&quot;:&quot;&quot;}\">\n                    \n                    <h4 class=\"date\">\n                                        \u00c9tape 5 <\/h4>\n\n                                         <\/div>\n\n                                    <div class=\"timeline-img\"><\/div>\n\n\n           \n                        <\/div><!-- .single-timeline .media END -->\n           <div class=\"timeline-bar\"><\/div>\n    <\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-36daeef e-flex e-con-boxed e-con e-parent\" data-id=\"36daeef\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d9c0225 elementor-widget elementor-widget-spacer\" data-id=\"d9c0225\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\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<div class=\"elementor-element elementor-element-e857b5a e-flex e-con-boxed e-con e-parent\" data-id=\"e857b5a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-20cb844 elementor-widget elementor-widget-heading\" data-id=\"20cb844\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Pr\u00e9voyance des cadres selon 1e<\/h2>\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<div class=\"elementor-element elementor-element-8382ae2 e-flex e-con-boxed e-con e-parent\" data-id=\"8382ae2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-f6e829e e-con-full e-flex e-con e-child\" data-id=\"f6e829e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-de567ed elementor-widget elementor-widget-text-editor\" data-id=\"de567ed\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"vertical-align: inherit;\">Dans les solutions de pr\u00e9voyance selon 1e, la partie surobligatoire de la pr\u00e9voyance professionnelle est g\u00e9r\u00e9e dans une fondation de pr\u00e9voyance s\u00e9par\u00e9e. Dans une telle pr\u00e9voyance pour cadres, les personnes dont le salaire assur\u00e9 est sup\u00e9rieur \u00e0 CHF 132'300 peuvent d\u00e9terminer elles-m\u00eames la strat\u00e9gie de placement. Elles ont le choix entre dix strat\u00e9gies au maximum, qui vont d'une strat\u00e9gie \u00e0 faible risque \u00e0 une strat\u00e9gie \u00e0 haut risque. Les personnes assur\u00e9es peuvent adapter la strat\u00e9gie de placement \u00e0 leur capacit\u00e9 de risque et \u00e0 leur horizon de placement et participer pleinement au succ\u00e8s des placements. Comme le produit du capital est directement cr\u00e9dit\u00e9 aux assur\u00e9s, la redistribution dans la pr\u00e9voyance compl\u00e9mentaire peut \u00eatre \u00e9vit\u00e9e. Une redistribution du r\u00e9sultat des placements en faveur d'autres assur\u00e9s est donc exclue. Une pr\u00e9voyance moderne pour les cadres offre aux dirigeants des possibilit\u00e9s d'am\u00e9nagement suppl\u00e9mentaires pour leur pr\u00e9voyance.<\/span><\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p><span style=\"vertical-align: inherit;\">Les co\u00fbts peuvent souvent \u00eatre r\u00e9duits dans une solution de pr\u00e9voyance selon 1e, car la pr\u00e9voyance compl\u00e9mentaire assure g\u00e9n\u00e9ralement des personnes qui, statistiquement, sont expos\u00e9es \u00e0 un risque d'invalidit\u00e9 plus faible. Pour l'employeur, la solution pour cadres supprime en outre le risque d'assainissement (contrairement \u00e0 la pr\u00e9voyance de base), car aucun d\u00e9couvert n'est possible. Il en r\u00e9sulte que les entreprises qui tiennent une comptabilit\u00e9 selon les normes IFRS ou USGAAP peuvent d\u00e9finir les solutions pour cadres comme des solutions de pr\u00e9voyance \u00e0 cotisations d\u00e9finies et ne doivent donc pas comptabiliser d'engagements de pr\u00e9voyance. Les engagements de la caisse de pension peuvent \u00eatre r\u00e9duits par l'introduction d'une solution 1e, ce qui all\u00e8ge \u00e0 nouveau le bilan.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9fe57ed e-con-full e-flex e-con e-child\" data-id=\"9fe57ed\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\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>","protected":false},"excerpt":{"rendered":"<p>Wir Beraten, Begleiten und Betreuen So individuell wie Ihre DNA Vorsorgel\u00f6sungen, die sich Ihrer DNA anpassen Wir sind ein Team von Fachspezialisten Wir arbeiten mit allen f\u00fchrenden Anbietern auf dem Schweizer Vorsorgemarkt zusammen.Dies erlaubt es uns, Ihnen eine komplette \u00dcbersicht \u00fcber die verf\u00fcgbaren Vorsorgemodelle sowie deren Vor- und Nachteile zu verschaffen Die unsichere Situation an [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"class_list":["post-29751","page","type-page","status-publish","hentry"],"coauthors":[],"author_meta":{"author_link":"https:\/\/abes.ch\/fr\/author\/pascal-mayor\/","display_name":"pascal.mayor"},"relative_dates":{"created":"Publi\u00e9 4 ans il y a","modified":"Mis \u00e0 jour 2 ans il y a"},"absolute_dates":{"created":"Publi\u00e9 le 8. janvier 2022","modified":"Mise \u00e0 jour le 14. d\u00e9cembre 2023"},"absolute_dates_time":{"created":"Publi\u00e9 le 8. janvier 2022 19:45","modified":"Mise \u00e0 jour le 14. d\u00e9cembre 2023 16:17"},"featured_img_caption":"","featured_img":false,"series_order":"","_links":{"self":[{"href":"https:\/\/abes.ch\/fr\/wp-json\/wp\/v2\/pages\/29751","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/abes.ch\/fr\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/abes.ch\/fr\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/abes.ch\/fr\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/abes.ch\/fr\/wp-json\/wp\/v2\/comments?post=29751"}],"version-history":[{"count":963,"href":"https:\/\/abes.ch\/fr\/wp-json\/wp\/v2\/pages\/29751\/revisions"}],"predecessor-version":[{"id":57699,"href":"https:\/\/abes.ch\/fr\/wp-json\/wp\/v2\/pages\/29751\/revisions\/57699"}],"wp:attachment":[{"href":"https:\/\/abes.ch\/fr\/wp-json\/wp\/v2\/media?parent=29751"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}