{"id":174,"date":"2026-04-23T07:17:58","date_gmt":"2026-04-23T07:17:58","guid":{"rendered":"https:\/\/blog.creditx.ch\/?p=174"},"modified":"2026-04-23T07:18:03","modified_gmt":"2026-04-23T07:18:03","slug":"3e-pilier-banque-ou-assurance","status":"publish","type":"post","link":"https:\/\/blog.creditx.ch\/?p=174","title":{"rendered":"3e pilier : banque ou assurance ?"},"content":{"rendered":"\n<p class=\"has-text-align-left\">Au moment de mettre en place un 3e pilier, une question revient presque syst\u00e9matiquement : <strong>faut-il passer par une banque ou par une assurance ?<\/strong><\/p>\n\n\n\n<p>\u00c0 premi\u00e8re vue, cela semble \u00eatre une d\u00e9cision importante. Pourtant, cette mani\u00e8re de poser la question est souvent trompeuse.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Une question\u2026 qui ne vient pas vraiment du client<\/strong><\/h3>\n\n\n\n<p>Dans la pratique, cette question est rarement formul\u00e9e spontan\u00e9ment par les clients.<\/p>\n\n\n\n<p>Elle appara\u00eet g\u00e9n\u00e9ralement dans le cadre d\u2019un entretien avec un conseiller, pour simplifier la discussion et orienter rapidement vers un type de solution.<\/p>\n\n\n\n<p>Il est important de comprendre que chaque interlocuteur \u00e9volue dans un cadre sp\u00e9cifique.<\/p>\n\n\n\n<p>Un conseiller bancaire proposera naturellement des solutions bancaires.<br>Un conseiller en assurance s\u2019orientera vers des solutions assurantielles.<\/p>\n\n\n\n<p>Cela ne rel\u00e8ve pas n\u00e9cessairement d\u2019un manque d\u2019objectivit\u00e9, mais du fait que ces professionnels travaillent avec des outils, des produits et un p\u00e9rim\u00e8tre d\u2019action qui leur sont propres.<\/p>\n\n\n\n<p>De leur c\u00f4t\u00e9, les courtiers disposent d\u2019une vision plus large du march\u00e9, mais peuvent \u00e9galement \u00eatre influenc\u00e9s par des logiques internes, notamment li\u00e9es \u00e0 l\u2019organisation de leur activit\u00e9 ou aux mod\u00e8les de r\u00e9mun\u00e9ration.<\/p>\n\n\n\n<p>Au final, l\u2019orientation de la discussion d\u00e9pend souvent davantage du cadre dans lequel \u00e9volue le conseiller que d\u2019une analyse compl\u00e8te et neutre de la situation du client.<\/p>\n\n\n\n<p>Dans ce contexte, le choix ne devrait pas porter sur le \u201ctype d\u2019institution\u201d, mais sur les besoins r\u00e9els de pr\u00e9voyance.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Le r\u00f4le du 3e pilier : un rappel essentiel<\/strong><\/h3>\n\n\n\n<p>Le 3e pilier a pour objectif de compl\u00e9ter les prestations du 1er pilier (AVS\/AI) et du 2e pilier (LPP).<\/p>\n\n\n\n<p>Concr\u00e8tement, il vise \u00e0 couvrir trois axes principaux :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Maintenir votre revenu en cas d\u2019incapacit\u00e9 de gain<\/li>\n\n\n\n<li>Prot\u00e9ger vos proches en cas de d\u00e9c\u00e8s<\/li>\n\n\n\n<li>Pr\u00e9server votre niveau de vie \u00e0 la retraite<\/li>\n<\/ul>\n\n\n\n<p>Toute r\u00e9flexion autour du 3e pilier devrait partir de ces trois \u00e9l\u00e9ments.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Le 3e pilier bancaire : une solution orient\u00e9e \u00e9pargne<\/strong><\/h3>\n\n\n\n<p>Le 3e pilier bancaire est g\u00e9n\u00e9ralement simple \u00e0 comprendre.<\/p>\n\n\n\n<p>L\u2019argent vers\u00e9 est directement \u00e9pargn\u00e9, avec une transparence totale : un montant vers\u00e9 correspond \u00e0 un montant disponible (hors performance des placements).<\/p>\n\n\n\n<p>Ses avantages principaux :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>simplicit\u00e9<\/li>\n\n\n\n<li>liquidit\u00e9 et transparence<\/li>\n\n\n\n<li>co\u00fbts g\u00e9n\u00e9ralement faibles<\/li>\n<\/ul>\n\n\n\n<p>En revanche, il ne couvre qu\u2019un seul aspect : l\u2019\u00e9pargne.<\/p>\n\n\n\n<p>Cela signifie qu\u2019en cas d\u2019incapacit\u00e9 de gain ou de d\u00e9c\u00e8s, aucune prestation compl\u00e9mentaire n\u2019est pr\u00e9vue, en dehors du capital accumul\u00e9.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Le 3e pilier en assurance : une approche globale<\/strong><\/h3>\n\n\n\n<p>Le 3e pilier en assurance int\u00e8gre plusieurs dimensions :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>une \u00e9pargne \u00e0 long terme<\/li>\n\n\n\n<li>une couverture en cas d\u2019incapacit\u00e9 de gain<\/li>\n\n\n\n<li>un capital en cas de d\u00e9c\u00e8s<\/li>\n<\/ul>\n\n\n\n<p>Il permet donc de r\u00e9pondre aux trois axes de la pr\u00e9voyance.<\/p>\n\n\n\n<p>Cependant, cette approche a aussi des sp\u00e9cificit\u00e9s :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>des frais plus importants en d\u00e9but de contrat<\/li>\n\n\n\n<li>une <a href=\"https:\/\/blog.creditx.ch\/?p=129\">valeur de rachat<\/a> souvent inf\u00e9rieure aux montants vers\u00e9s durant les premi\u00e8res ann\u00e9es<\/li>\n<\/ul>\n\n\n\n<p><strong>Ce point est important \u00e0 comprendre, notamment si un retrait anticip\u00e9 est envisag\u00e9.<\/strong><\/p>\n\n\n\n<p>Sur le long terme (souvent au-del\u00e0 de 10 \u00e0 15 ans), ces effets tendent \u00e0 s\u2019\u00e9quilibrer.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Une opposition qui a ses limites<\/strong><\/h3>\n\n\n\n<p>Pr\u00e9senter le choix comme une opposition entre banque et assurance peut \u00eatre r\u00e9ducteur.<\/p>\n\n\n\n<p>Chaque solution r\u00e9pond \u00e0 un besoin sp\u00e9cifique :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>la banque optimise l\u2019\u00e9pargne<\/li>\n\n\n\n<li>l\u2019assurance couvre les risques<\/li>\n<\/ul>\n\n\n\n<p>Or, une strat\u00e9gie de pr\u00e9voyance compl\u00e8te n\u00e9cessite g\u00e9n\u00e9ralement les deux.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Vers une approche plus personnalis\u00e9e<\/strong><\/h3>\n\n\n\n<p>Plut\u00f4t que de choisir entre deux mod\u00e8les, il est souvent plus pertinent de r\u00e9fl\u00e9chir en termes de combinaison :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>quelle part d\u2019\u00e9pargne privil\u00e9gier ?<\/li>\n\n\n\n<li>quel niveau de couverture est n\u00e9cessaire ?<\/li>\n\n\n\n<li>quel budget est disponible ?<\/li>\n<\/ul>\n\n\n\n<p>Ces \u00e9l\u00e9ments varient fortement d\u2019une personne \u00e0 l\u2019autre.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>L\u2019approche CreditX<\/strong><\/h3>\n\n\n\n<p>Chez CreditX, nous ne vous pr\u00e9sentons pas votre pr\u00e9voyance comme un produit.<\/p>\n\n\n\n<p>Nous la mod\u00e9lisons.<\/p>\n\n\n\n<p>Plut\u00f4t que de vous faire entrer dans une solution existante (banque ou assurance),<br>notre technologie analyse votre situation en profondeur :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>revenus et \u00e9volution probable<\/li>\n\n\n\n<li>lacunes de couverture (invalidit\u00e9, d\u00e9c\u00e8s, retraite)<\/li>\n\n\n\n<li>structure familiale<\/li>\n\n\n\n<li>horizon de placement<\/li>\n\n\n\n<li>capacit\u00e9 et r\u00e9gularit\u00e9 d\u2019\u00e9pargne<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Une approche bas\u00e9e sur les donn\u00e9es<\/strong><\/h4>\n\n\n\n<p>\u00c0 partir de ces informations, notre moteur calcule :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>vos besoins r\u00e9els de couverture<\/li>\n\n\n\n<li>le niveau de risque \u00e0 assurer<\/li>\n\n\n\n<li>la part optimale entre \u00e9pargne et protection<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Une construction \u201cmicro-produits\u201d<\/strong><\/h4>\n\n\n\n<p>Au lieu de proposer un seul contrat standardis\u00e9,<br>nous combinons les meilleurs \u00e9l\u00e9ments du march\u00e9 :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u00e9pargne bancaire ou solution d&rsquo;assurance \u00e0 long terme<\/li>\n\n\n\n<li>couvertures de risque (invalidit\u00e9, d\u00e9c\u00e8s)<\/li>\n\n\n\n<li>options contractuelles sp\u00e9cifiques<\/li>\n<\/ul>\n\n\n\n<p>Chaque composant est s\u00e9lectionn\u00e9 individuellement, en fonction de son efficacit\u00e9 et de son co\u00fbt.<\/p>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/blog.creditx.ch\/wp-content\/uploads\/2026\/04\/Offre-avec-partners-1024x1024.png\" alt=\"\" class=\"wp-image-183\" srcset=\"https:\/\/blog.creditx.ch\/wp-content\/uploads\/2026\/04\/Offre-avec-partners-1024x1024.png 1024w, https:\/\/blog.creditx.ch\/wp-content\/uploads\/2026\/04\/Offre-avec-partners-300x300.png 300w, https:\/\/blog.creditx.ch\/wp-content\/uploads\/2026\/04\/Offre-avec-partners-150x150.png 150w, https:\/\/blog.creditx.ch\/wp-content\/uploads\/2026\/04\/Offre-avec-partners-768x768.png 768w, https:\/\/blog.creditx.ch\/wp-content\/uploads\/2026\/04\/Offre-avec-partners-1536x1536.png 1536w, https:\/\/blog.creditx.ch\/wp-content\/uploads\/2026\/04\/Offre-avec-partners-2048x2048.png 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<div class=\"wp-block-group alignfull has-text-color has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"color:#000000;background-color:#ffffff\">\n<div style=\"height:64px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\" id=\"schedule-a-visit\" style=\"font-size:59px;line-height:1.15\"><strong>Testez votre situation<\/strong><\/h2>\n\n\n\n<div class=\"wp-block-buttons is-horizontal is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-03627597 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-50\"><a class=\"wp-block-button__link has-text-color has-background wp-element-button\" href=\"https:\/\/creditx.ch\" style=\"border-radius:50px;color:#ffffff;background-color:#000000\">Cr\u00e9ez un compte gratuitement<\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:64px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Un r\u00e9sultat optimis\u00e9<\/strong><\/h4>\n\n\n\n<p>Ce processus permet de construire une solution :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>ajust\u00e9e \u00e0 votre situation r\u00e9elle<\/li>\n\n\n\n<li>transparente dans sa structure<\/li>\n\n\n\n<li>optimis\u00e9e en termes de co\u00fbts et de performance<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">En d\u2019autres termes :<\/h4>\n\n\n\n<p>Vous ne choisissez plus entre banque ou assurance.<\/p>\n\n\n\n<p><strong>La technologie choisit pour vous\u2026 <\/strong>non pas en fonction d\u2019un produit \u00e0 vendre, mais en fonction de ce qui est r\u00e9ellement pertinent pour votre situation.<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Au moment de mettre en place un 3e pilier, une question revient presque syst\u00e9matiquement : faut-il passer par une banque [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":188,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center 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