{"id":2504,"date":"2026-08-30T15:28:12","date_gmt":"2026-08-30T13:28:12","guid":{"rendered":"https:\/\/svamv.ch\/prevoyance-professionnelle-lpp\/"},"modified":"2026-08-30T15:34:37","modified_gmt":"2026-08-30T13:34:37","slug":"prevoyance-professionnelle-lpp","status":"publish","type":"post","link":"https:\/\/svamv.ch\/fr\/prevoyance-professionnelle-lpp\/","title":{"rendered":"Pr\u00e9voyance professionnelle (LPP)"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">Pourquoi elle rev\u00eat une importance particuli\u00e8re pour les parents isol\u00e9s<\/h2>\n\n<p class=\"wp-block-paragraph\">La pr\u00e9voyance professionnelle (LPP ou 2e pilier) constitue un \u00e9l\u00e9ment essentiel du syst\u00e8me de pr\u00e9voyance suisse. Associ\u00e9e \u00e0 l&rsquo;AVS, elle vise \u00e0 contribuer au maintien, dans la mesure du possible, du niveau de vie habituel apr\u00e8s le d\u00e9part \u00e0 la retraite. Or, les parents isol\u00e9s sont particuli\u00e8rement touch\u00e9s par les lacunes de pr\u00e9voyance.  <br\/><br\/>Les raisons sont multiples. Beaucoup travaillent \u00e0 temps partiel ou interrompent leur activit\u00e9 professionnelle pour s&rsquo;occuper de leurs enfants ou de leurs proches. De ce fait, les cotisations vers\u00e9es \u00e0 la caisse de retraite sont moins \u00e9lev\u00e9es. M\u00eame apr\u00e8s une s\u00e9paration ou un divorce, il ne reste souvent gu\u00e8re de marge de man\u0153uvre financi\u00e8re pour se constituer une retraite compl\u00e9mentaire. \u00c0 cela s&rsquo;ajoute le fait que les femmes continuent de percevoir plus souvent des revenus moins \u00e9lev\u00e9s et constituent ainsi une \u00e9pargne-retraite moins importante.    <br\/><br\/>Les lacunes de pr\u00e9voyance passent g\u00e9n\u00e9ralement inaper\u00e7ues au quotidien. Leurs cons\u00e9quences n\u2019apparaissent souvent qu\u2019au bout de plusieurs ann\u00e9es, voire de plusieurs d\u00e9cennies. Les personnes qui cotisent moins \u00e0 la caisse de retraite pendant une longue p\u00e9riode disposent, \u00e0 la retraite, d\u2019un avoir de vieillesse moins important et per\u00e7oivent donc des prestations de retraite proportionnellement plus faibles. Selon la situation, les prestations d\u2019invalidit\u00e9 ou de survivants peuvent \u00e9galement s\u2019av\u00e9rer moins \u00e9lev\u00e9es. Cela peut avoir pour cons\u00e9quence que le revenu per\u00e7u apr\u00e8s le d\u00e9part \u00e0 la retraite ne soit pas suffisant pour maintenir le niveau de vie ant\u00e9rieur.    <br\/><br\/>La pr\u00e9voyance professionnelle constitue le deuxi\u00e8me pilier du syst\u00e8me de pr\u00e9voyance suisse. Alors que l&rsquo;AVS est destin\u00e9e \u00e0 couvrir les besoins fondamentaux, la caisse de retraite vient compl\u00e9ter les revenus \u00e0 la retraite. Le montant des prestations futures d\u00e9pend notamment du revenu, du taux d&rsquo;occupation et de la dur\u00e9e des cotisations.  <br\/><br\/>En connaissant les principes fondamentaux de la pr\u00e9voyance professionnelle, vous serez mieux \u00e0 m\u00eame d\u2019\u00e9valuer votre situation personnelle et d\u2019identifier \u00e0 temps les lacunes de votre pr\u00e9voyance. <a href=\"https:\/\/www.bsv.admin.ch\/de\/dreisaeulensystem\">L\u2019Office f\u00e9d\u00e9ral des assurances sociales propose une introduction claire au syst\u00e8me suisse des trois piliers, accompagn\u00e9e de courtes vid\u00e9os<\/a>. <br\/><br\/>La FSFM aborde r\u00e9guli\u00e8rement le th\u00e8me de la pr\u00e9voyance dans sa lettre d&rsquo;information et fournit des informations sur les derni\u00e8res \u00e9volutions, le contexte et les offres destin\u00e9es tout particuli\u00e8rement aux parents isol\u00e9s.  <\/p>\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\">Inscription \u00e0 la newsletter<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Pourquoi elle rev\u00eat une importance particuli\u00e8re pour les parents isol\u00e9s La pr\u00e9voyance professionnelle (LPP ou 2e pilier) constitue un \u00e9l\u00e9ment essentiel du syst\u00e8me de pr\u00e9voyance suisse. Associ\u00e9e \u00e0 l&rsquo;AVS, elle vise \u00e0 contribuer au maintien, dans la mesure du possible, du niveau de vie habituel apr\u00e8s le d\u00e9part \u00e0 la retraite. Or, les parents isol\u00e9s [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":2502,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[39],"tags":[114,117,115,116],"indy-keyword":[66],"class_list":["post-2504","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-non-classifiee","tag-lpp","tag-parent-seul","tag-prevoyance","tag-systeme-a-trois-piliers","indy-keyword-prevoyance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Pr\u00e9voyance professionnelle (LPP) - SVAMV<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/svamv.ch\/fr\/prevoyance-professionnelle-lpp\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pr\u00e9voyance professionnelle (LPP) - SVAMV\" \/>\n<meta property=\"og:description\" content=\"Pourquoi elle rev\u00eat une importance particuli\u00e8re pour les parents isol\u00e9s La pr\u00e9voyance professionnelle (LPP ou 2e pilier) constitue un \u00e9l\u00e9ment essentiel du syst\u00e8me de pr\u00e9voyance suisse. 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