{"id":8955,"date":"2022-10-04T16:52:17","date_gmt":"2022-10-04T15:52:17","guid":{"rendered":"https:\/\/www.swisnot.ch\/?post_type=actualites&#038;p=8955"},"modified":"2022-11-22T09:06:53","modified_gmt":"2022-11-22T08:06:53","slug":"un-deux-troispiliers","status":"publish","type":"actualites","link":"https:\/\/www.swisnot.ch\/it\/actualites\/un-deux-troispiliers\/","title":{"rendered":"Un, deux, trois\u2026piliers"},"content":{"rendered":"<div id='av_section_1'  class='avia-section av-av_section-3ef07c12a2bb1670acbb6a6393332f22 main_color avia-section-default avia-no-border-styling  avia-builder-el-0  el_before_av_section  avia-builder-el-first  avia-bg-style-scroll container_wrap fullsize'  ><div class='container av-section-cont-open' ><main  role=\"main\" itemprop=\"mainContentOfPage\"  class='template-page content  av-content-full alpha units'><div class='post-entry post-entry-type-page post-entry-8955'><div class='entry-content-wrapper clearfix'>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-l8udo1w5-7412dbc98d390f3db50d85601c37a1f2\">\n#top .av-special-heading.av-l8udo1w5-7412dbc98d390f3db50d85601c37a1f2{\npadding-bottom:10px;\nfont-size:36px;\n}\nbody .av-special-heading.av-l8udo1w5-7412dbc98d390f3db50d85601c37a1f2 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n#top #wrap_all .av-special-heading.av-l8udo1w5-7412dbc98d390f3db50d85601c37a1f2 .av-special-heading-tag{\nfont-size:36px;\n}\n.av-special-heading.av-l8udo1w5-7412dbc98d390f3db50d85601c37a1f2 .av-subheading{\nfont-size:15px;\n}\n\n@media only screen and (min-width: 480px) and (max-width: 767px){ \n#top #wrap_all .av-special-heading.av-l8udo1w5-7412dbc98d390f3db50d85601c37a1f2 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n\n@media only screen and (max-width: 479px){ \n#top #wrap_all .av-special-heading.av-l8udo1w5-7412dbc98d390f3db50d85601c37a1f2 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n<\/style>\n<div  class='av-special-heading av-l8udo1w5-7412dbc98d390f3db50d85601c37a1f2 av-special-heading-h1 blockquote modern-quote  avia-builder-el-1  el_before_av_two_third  avia-builder-el-first  av-inherit-size av-linked-heading'><h1 class='av-special-heading-tag '  itemprop=\"headline\"  >Un, deux, trois\u2026piliers<\/h1><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-av_two_third-0a678dcfc3d7d4e5a5705d1394399682\">\n.flex_column.av-av_two_third-0a678dcfc3d7d4e5a5705d1394399682{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-av_two_third-0a678dcfc3d7d4e5a5705d1394399682 av_two_third  avia-builder-el-2  el_after_av_heading  el_before_av_one_fourth  first flex_column_div av-zero-column-padding  '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-l8udo90m-7668574c48effae1d4257064721a3859\">\n#top .av-special-heading.av-l8udo90m-7668574c48effae1d4257064721a3859{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-l8udo90m-7668574c48effae1d4257064721a3859 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-l8udo90m-7668574c48effae1d4257064721a3859 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-l8udo90m-7668574c48effae1d4257064721a3859 av-special-heading-h2 blockquote modern-quote  avia-builder-el-3  el_before_av_textblock  avia-builder-el-first  av-linked-heading'><h2 class='av-special-heading-tag '  itemprop=\"headline\"  >Les Suisses sont, pour la majorit\u00e9, grands fans d\u2019assurances. Nous retrouvons cela dans le syst\u00e8me con\u00e7u pour permettre id\u00e9alement \u00e0 tout individu de maintenir son niveau de vie, une fois sa vie professionnelle termin\u00e9e.<\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<section  class='av_textblock_section av-l8udpky8-d6359d37a7acedd87dc1a23eb4484dcd '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p>Evidemment, ce syst\u00e8me de cotisations pr\u00e9vu tout au long de la vie active et devant permettre \u00e0 tout un chacun de passer une retraite sans souci financier peut \u00eatre terriblement chamboul\u00e9 par des \u00e9v\u00e9nements de vie. Les voyages de longue dur\u00e9e, un mariage, un divorce, autant d\u2019\u00e9v\u00e9nements qui peuvent avoir de grandes cons\u00e9quences sur les activit\u00e9s professionnelles et la capacit\u00e9 des cotisants.<\/p>\n<p><strong>Le premier pilier<\/strong><\/p>\n<p>Il a pour but de garantir les conditions d\u2019existence. Pour b\u00e9n\u00e9ficier de la rente totale au moment de la retraite, il est tr\u00e8s important de ne pas avoir de lacunes de cotisations. Pour v\u00e9rifier cela, un extrait de son compte individuel de cotisations peut \u00eatre demand\u00e9 aupr\u00e8s de la caisse AVS. Des moyens de combler des lacunes existent et ce sera la caisse qui prendra position. Si un paiement r\u00e9troactif n\u2019est plus possible, d\u2019autres voies sont \u00e0 disposition, notamment le 2e pilier par un rachat volontaire dans la caisse de pension et le 3e pilier par la cr\u00e9ation d\u2019un compte d\u2019\u00e9pargne.<\/p>\n<p><strong>Le deuxi\u00e8me pilier<\/strong><\/p>\n<p>Lui a pour but de garantir le niveau de vie. Il est obligatoire pour tout travailleur. Au fil des ann\u00e9es, un capital se constitue. Les questions sont r\u00e9currentes en relation avec ce deuxi\u00e8me pilier; qu\u2019en est-il en cas de divorce, qu\u2019en est-il en cas de d\u00e9c\u00e8s? En cas de divorce, le capital accumul\u00e9 durant le mariage sera dans tous les cas r\u00e9partis entre les conjoints quand bien m\u00eame un contrat de s\u00e9paration de biens a \u00e9t\u00e9 sign\u00e9. En cas de d\u00e9c\u00e8s, le capital pourrait \u00eatre perdu si aucun b\u00e9n\u00e9ficiaire au sens de la loi n\u2019est encore en vie. Les caisses ont toutefois, aujourd\u2019hui, \u00e9largi le cercle l\u00e9gal, mais tr\u00e8s souvent une annonce formelle est n\u00e9cessaire (concubin \u00e0 annoncer par exemple). Pour conna\u00eetre le cercle des b\u00e9n\u00e9ficiaires et les conditions, il faut consulter le r\u00e8glement de sa caisse de pension. A noter que les ind\u00e9pendants n\u2019ont pas obligation de constituer un 2e pilier.<\/p>\n<p><strong>Le troisi\u00e8me pilier<\/strong><\/p>\n<p>On est l\u00e0 dans la pr\u00e9voyance volontaire. Ce troisi\u00e8me pilier est surtout important pour les personnes ayant un revenu \u00e9lev\u00e9 et pour les ind\u00e9pendants qui n\u2019ont pas de caisse de pension (2e pilier), leur permettant de compl\u00e9ter le premier pilier et de garantir le niveau de vie. Il est important de savoir que ces avoirs du troisi\u00e8me pilier, selon la jurisprudence actuelle, ne tombent pas en cas de d\u00e9c\u00e8s dans la masse successorale. C\u2019est la loi, puis le r\u00e8glement qui sont d\u00e9terminants et en dernier lieu le testament. En effet, la qualit\u00e9 de b\u00e9n\u00e9ficiaire de la pr\u00e9voyance est ind\u00e9pendante du droit successoral. Ce point est toutefois remis en question par une partie des sp\u00e9cialistes.<\/p>\n<\/div><\/section><\/p><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-av_one_fourth-f7c1061df29de8cca6b42fcf455fe4a0\">\n.flex_column.av-av_one_fourth-f7c1061df29de8cca6b42fcf455fe4a0{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-av_one_fourth-f7c1061df29de8cca6b42fcf455fe4a0 av_one_fourth  avia-builder-el-5  el_after_av_two_third  avia-builder-el-last  flex_column_div av-zero-column-padding  '     ><p><section  class='avia-team-member trs-notaire-author   avia-builder-el-6  el_before_av_heading  avia-builder-el-first '  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/Person\" ><div class='team-img-container'><a href=\"https:\/\/www.swisnot.ch\/it\/?post_type=notaire&p=5542\"><img decoding=\"async\" width=\"187\" height=\"243\" fetchpriority=\"high\" class='wp-image-3093 avia-img-lazy-loading-not-3093 avia_image avia_image_team' src=\"https:\/\/www.swisnot.ch\/wp\/wp-content\/uploads\/2021\/05\/schneuwly_sebastien.jpg\" alt='Schneuwly S\u00e9bastien'  itemprop=\"image\"  \/><\/a><div class='team-social'><div class='team-social-inner'><span class='hidden av_member_url_markup '  itemprop=\"url\" >https:\/\/www.swisnot.ch\/it\/?post_type=notaire&p=5542<\/span><a rel='v:url' data-avia-tooltip=\"Page d\u00e9di\u00e9e\" target='_blank' class=' avia-team-icon ' href='https:\/\/www.swisnot.ch\/it\/?post_type=notaire&#038;p=5542' aria-hidden='true' data-av_icon='\ue80a' data-av_iconfont='entypo-fontello'><\/a><\/div><\/div><\/div><h3 class='team-member-name'    itemprop=\"name\" >Schneuwly S\u00e9bastien<\/h3><div class='team-member-job-title '   itemprop=\"jobTitle\" >Notaire chez <strong><a href=\"https:\/\/www.swisnot.ch\/it\/etudes_notaires\/etude-de-notaires-kaelin-associes\/\" target=\"_blank\">Etude de notaires Kaelin & Associ\u00e9s<\/a><\/strong> (FR-IT)<\/div><span class='hidden team-member-affiliation'  itemprop=\"affiliation\" >swisNot - Le r\u00e9seau notarial suisse<\/span><\/section><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-l8udmrxl-a56559dff1cd0b2118772688f3ae8922\">\n#top .av-special-heading.av-l8udmrxl-a56559dff1cd0b2118772688f3ae8922{\npadding-bottom:0;\ncolor:#98012e;\n}\nbody .av-special-heading.av-l8udmrxl-a56559dff1cd0b2118772688f3ae8922 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-l8udmrxl-a56559dff1cd0b2118772688f3ae8922 .special-heading-inner-border{\nborder-color:#98012e;\n}\n.av-special-heading.av-l8udmrxl-a56559dff1cd0b2118772688f3ae8922 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-l8udmrxl-a56559dff1cd0b2118772688f3ae8922 av-special-heading-h3 custom-color-heading blockquote modern-quote  avia-builder-el-7  el_after_trs_notaire_author  el_before_av_iconlist  av-linked-heading'><h3 class='av-special-heading-tag '  itemprop=\"headline\"  >En quelques points <\/h3><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-l8udnq0d-e510c12a95d88edbcdb36a086bf58a9e\">\n#top .avia-icon-list-container.av-l8udnq0d-e510c12a95d88edbcdb36a086bf58a9e .iconlist_icon{\ncolor:#b02b2c;\nfont-size:16px;\n}\n#top .avia-icon-list-container.av-l8udnq0d-e510c12a95d88edbcdb36a086bf58a9e .iconlist_icon svg:first-child{\nstroke:#b02b2c;\nfill:#b02b2c;\nheight:16px;\nwidth:16px;\n}\n#top #wrap_all .avia-icon-list-container.av-l8udnq0d-e510c12a95d88edbcdb36a086bf58a9e .av_iconlist_title{\nfont-size:16px;\n}\n<\/style>\n<div  class='avia-icon-list-container av-l8udnq0d-e510c12a95d88edbcdb36a086bf58a9e  avia-builder-el-8  el_after_av_heading  el_before_av_button '><ul class='avia-icon-list avia_animate_when_almost_visible avia-icon-list-left av-iconlist-small av-l8udnq0d-e510c12a95d88edbcdb36a086bf58a9e avia-iconlist-animate'>\n<li><div class='iconlist_icon av-l8udn5l3-d5294fd4e1c9e6f6d6617044573c8ebd avia-font-entypo-fontello avia-iconfont avia-font-entypo-fontello'><span class='av-icon-char' data-av_icon='\ue812' data-av_iconfont='entypo-fontello' aria-hidden=\"true\"><\/span><\/div><article class=\"article-icon-entry \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconlist_content_wrap\"><header class=\"entry-content-header\" aria-label=\"Icona: \"><\/header><div class='iconlist_content '  itemprop=\"text\" ><p style=\"text-align: justify;\">Il importe de v\u00e9rifier si ses cotisations AVS ne comportent pas de lacune et de faire le point \u00e9galement sur son deuxi\u00e8me pilier afin d\u2019\u00e9viter toute mauvaise surprise.<\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<li><div class='iconlist_icon av-l8udnbkw-945773d5a4d38118dbad93dd8be94324 avia-font-entypo-fontello avia-iconfont avia-font-entypo-fontello'><span class='av-icon-char' data-av_icon='\ue812' data-av_iconfont='entypo-fontello' aria-hidden=\"true\"><\/span><\/div><article class=\"article-icon-entry \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconlist_content_wrap\"><header class=\"entry-content-header\" aria-label=\"Icona: \"><\/header><div class='iconlist_content '  itemprop=\"text\" ><p style=\"text-align: justify;\">Des solutions de rachat existent et permettent, cas \u00e9ch\u00e9ant, de compl\u00e9ter les lacunes dues \u00e0 diff\u00e9rentes \u00e9tapes et autres \u00e9v\u00e9nements de vie.<\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<li><div class='iconlist_icon av-l8udni4y-fadcb5bbc54f5afb0eb31d6652aa710d avia-font-entypo-fontello avia-iconfont avia-font-entypo-fontello'><span class='av-icon-char' data-av_icon='\ue812' data-av_iconfont='entypo-fontello' aria-hidden=\"true\"><\/span><\/div><article class=\"article-icon-entry \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconlist_content_wrap\"><header class=\"entry-content-header\" aria-label=\"Icona: \"><\/header><div class='iconlist_content '  itemprop=\"text\" ><p>Le troisi\u00e8me pilier se constitue sur une base volontaire. Il est surtout utile aux ind\u00e9pendants qui n\u2019ont pas de caisse de pension (deuxi\u00e8me pilier) pour garantir leur niveau de vie.<\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<\/ul><\/div><br \/>\n<div  class='avia-button-wrap av-l8udmi3h-5e45dbb6146692351ec8a92df4814c24-wrap avia-button-center  avia-builder-el-9  el_after_av_iconlist  el_before_av_heading  trs-pdf-button'><a href='https:\/\/www.swisnot.ch\/wp\/wp-content\/uploads\/2022\/10\/Un_Deux_Trois.pdf'  class='avia-button av-l8udmi3h-5e45dbb6146692351ec8a92df4814c24 av-link-btn avia-icon_select-yes-left-icon avia-size-medium avia-position-center avia-color-theme-color'  target=\"_blank\"  rel=\"noopener noreferrer\"  aria-label=\" Article (PDF)\"><span class='avia_button_icon avia_button_icon_left avia-iconfont avia-font-entypo-fontello' data-av_icon='\ue84d' data-av_iconfont='entypo-fontello' ><\/span><span class='avia_iconbox_title' > Article (PDF)<\/span><\/a><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-av_heading-89aef469868d0d20d934c6bcc2fbd519\">\n#top .av-special-heading.av-av_heading-89aef469868d0d20d934c6bcc2fbd519{\nmargin:10px 0 0 0;\npadding-bottom:10px;\n}\nbody .av-special-heading.av-av_heading-89aef469868d0d20d934c6bcc2fbd519 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-av_heading-89aef469868d0d20d934c6bcc2fbd519 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-av_heading-89aef469868d0d20d934c6bcc2fbd519 av-special-heading-h6 meta-heading blockquote modern-quote modern-centered  avia-builder-el-10  el_after_av_button  avia-builder-el-last '><h6 class='av-special-heading-tag '  itemprop=\"headline\"  >Publi\u00e9 dans le magazine g\u00e9n\u00e9rations par les notaires de swisNot<\/h6><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><\/p><\/div><\/div><\/div><\/main><!-- close content main element --><\/div><\/div><div id='av_section_2'  class='avia-section av-av_section-46ce1733c35ae24b9d75b0cc88a8631c main_color avia-section-default avia-no-border-styling  avia-builder-el-11  el_after_av_section  avia-builder-el-last  avia-bg-style-scroll container_wrap fullsize'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-full alpha units'><div class='post-entry post-entry-type-page post-entry-8955'><div class='entry-content-wrapper clearfix'>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-av_heading-e0fd89ff5bb5365333703156ecfb8088\">\n#top .av-special-heading.av-av_heading-e0fd89ff5bb5365333703156ecfb8088{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-av_heading-e0fd89ff5bb5365333703156ecfb8088 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-av_heading-e0fd89ff5bb5365333703156ecfb8088 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-av_heading-e0fd89ff5bb5365333703156ecfb8088 av-special-heading-h3 blockquote modern-quote  avia-builder-el-12  el_before_av_masonry_entries  avia-builder-el-no-sibling  trs-special-underline'><h3 class='av-special-heading-tag '  itemprop=\"headline\"  >Plus d\u2019actualit\u00e9s swisNot <\/h3><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div>\n<div id='av-masonry-1' class='av-masonry av-av_masonry_entries-355491b55a5aba908cd5ea1fad2f6346 noHover av-fixed-size av-large-gap av-hover-overlay-active av-masonry-animation-active av-masonry-col-flexible av-caption-always av-caption-style- av-masonry-entries ' data-post_id=\"8955\"><div class=\"av-masonry-container isotope av-js-disabled\"><div class='av-masonry-entry isotope-item av-masonry-item-no-image all_sort'><\/div><a href=\"https:\/\/www.swisnot.ch\/it\/actualites\/revision-du-droit-des-successions\/\"  id='av-masonry-1-item-7888' data-av-masonry-item='7888' class='av-masonry-entry isotope-item post-7888 actualites type-actualites status-publish hentry all_sort av-masonry-item-no-image' title=\"R\u00e9vision du droit des successions\"   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='av-inner-masonry-sizer'><\/div><figure class='av-inner-masonry main_color'><figcaption class='av-inner-masonry-content site-background'><div class='av-inner-masonry-content-pos'><div class='av-inner-masonry-content-pos-content'><div class='avia-arrow'><\/div><h3 class='av-masonry-entry-title entry-title '  itemprop=\"headline\" >R\u00e9vision du droit des successions<\/h3><\/div><\/div><\/figcaption><\/figure><\/a><!--end av-masonry entry--><a href=\"https:\/\/www.swisnot.ch\/it\/actualites\/le-casse-tete-de-la-succession-dans-les-familles-recomposees\/\"  id='av-masonry-1-item-9834' data-av-masonry-item='9834' class='av-masonry-entry isotope-item post-9834 actualites type-actualites status-publish hentry all_sort av-masonry-item-no-image' title=\"Le casse-t\u00eate de la succession dans les familles recompos\u00e9es\"   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='av-inner-masonry-sizer'><\/div><figure class='av-inner-masonry main_color'><figcaption class='av-inner-masonry-content site-background'><div class='av-inner-masonry-content-pos'><div class='av-inner-masonry-content-pos-content'><div class='avia-arrow'><\/div><h3 class='av-masonry-entry-title entry-title '  itemprop=\"headline\" >Le casse-t\u00eate de la succession dans les familles recompos\u00e9es<\/h3><\/div><\/div><\/figcaption><\/figure><\/a><!--end av-masonry entry--><a href=\"https:\/\/www.swisnot.ch\/it\/actualites\/la-procuration-ne-suffit-pas-toujours\/\"  id='av-masonry-1-item-9826' data-av-masonry-item='9826' class='av-masonry-entry isotope-item post-9826 actualites type-actualites status-publish hentry all_sort av-masonry-item-no-image' title=\"La procuration ne suffit pas toujours\"   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='av-inner-masonry-sizer'><\/div><figure class='av-inner-masonry main_color'><figcaption class='av-inner-masonry-content site-background'><div class='av-inner-masonry-content-pos'><div class='av-inner-masonry-content-pos-content'><div class='avia-arrow'><\/div><h3 class='av-masonry-entry-title entry-title '  itemprop=\"headline\" >La procuration ne suffit pas toujours<\/h3><\/div><\/div><\/figcaption><\/figure><\/a><!--end av-masonry entry--><a href=\"https:\/\/www.swisnot.ch\/it\/actualites\/donations-un-geste-a-double-tranchant\/\"  id='av-masonry-1-item-9821' data-av-masonry-item='9821' class='av-masonry-entry isotope-item post-9821 actualites type-actualites status-publish hentry all_sort av-masonry-item-no-image' title=\"Donations, un geste \u00e0 double tranchant\"   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='av-inner-masonry-sizer'><\/div><figure class='av-inner-masonry main_color'><figcaption class='av-inner-masonry-content site-background'><div class='av-inner-masonry-content-pos'><div class='av-inner-masonry-content-pos-content'><div class='avia-arrow'><\/div><h3 class='av-masonry-entry-title entry-title '  itemprop=\"headline\" >Donations, un geste \u00e0 double tranchant<\/h3><\/div><\/div><\/figcaption><\/figure><\/a><!--end av-masonry entry--><a href=\"https:\/\/www.swisnot.ch\/it\/actualites\/et-si-vous-netiez-plus-en-mesure-de-decider\/\"  id='av-masonry-1-item-9804' data-av-masonry-item='9804' class='av-masonry-entry isotope-item post-9804 actualites type-actualites status-publish hentry all_sort av-masonry-item-no-image' title=\"Et si vous n\u2019\u00e9tiez plus en mesure de d\u00e9cider ?\"   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='av-inner-masonry-sizer'><\/div><figure class='av-inner-masonry main_color'><figcaption class='av-inner-masonry-content site-background'><div class='av-inner-masonry-content-pos'><div class='av-inner-masonry-content-pos-content'><div class='avia-arrow'><\/div><h3 class='av-masonry-entry-title entry-title '  itemprop=\"headline\" >Et si vous n\u2019\u00e9tiez plus en mesure de d\u00e9cider ?<\/h3><\/div><\/div><\/figcaption><\/figure><\/a><!--end av-masonry entry--><a href=\"https:\/\/www.swisnot.ch\/it\/actualites\/preter-de-largent-a-ses-enfants\/\"  id='av-masonry-1-item-9777' data-av-masonry-item='9777' class='av-masonry-entry isotope-item post-9777 actualites type-actualites status-publish hentry all_sort av-masonry-item-no-image' title=\"Pr\u00eater de l\u2019argent \u00e0 ses enfants ?\"   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='av-inner-masonry-sizer'><\/div><figure class='av-inner-masonry main_color'><figcaption class='av-inner-masonry-content site-background'><div class='av-inner-masonry-content-pos'><div class='av-inner-masonry-content-pos-content'><div class='avia-arrow'><\/div><h3 class='av-masonry-entry-title entry-title '  itemprop=\"headline\" >Pr\u00eater de l\u2019argent \u00e0 ses enfants ?<\/h3><\/div><\/div><\/figcaption><\/figure><\/a><!--end av-masonry entry--><\/div><a class='av-masonry-pagination av-masonry-load-more' href='#load-more'  data-post_type='actualites'  data-link='category, 15'  data-term_rel='IN'  data-wc_prod_visible=''  data-wc_prod_hidden='hide'  data-wc_prod_featured=''  data-wc_prod_sale=''  data-prod_order_by=''  data-prod_order=''  data-date_filter=''  data-date_filter_start=''  data-date_filter_end=''  data-date_filter_format='yy\/mm\/dd'  data-period_filter_unit_1=''  data-period_filter_unit_2=''  data-page_element_filter=''  data-sort='yes'  data-query_orderby='date'  data-query_order='DESC'  data-caption_elements='title'  data-caption_styling=''  data-caption_display='always'  data-img_copyright=''  data-size='fixed masonry'  data-orientation=''  data-image_size='masonry'  data-gap='large'  data-columns='flexible'  data-av-desktop-columns=''  data-av-medium-columns=''  data-av-small-columns=''  data-av-mini-columns=''  data-items='6'  data-paginate='load_more'  data-color=''  data-custom_bg=''  data-img_copyright_font=''  data-av-desktop-font-img_copyright_font=''  data-av-medium-font-img_copyright_font=''  data-av-small-font-img_copyright_font=''  data-av-mini-font-img_copyright_font=''  data-img_copyright_color=''  data-img_copyright_bg=''  data-animation='active'  data-animation_duration=''  data-animation_custom_bg_color=''  data-animation_custom_bg_color_multi_list=''  data-animation_z_index_curtain='100'  data-overlay_fx='active'  data-img_scrset=''  data-lazy_loading='disabled'  data-av-desktop-hide=''  data-av-medium-hide=''  data-av-small-hide=''  data-av-mini-hide=''  data-alb_description=''  data-id=''  data-custom_class=''  data-template_class=''  data-av_uid=''  data-sc_version='1.0'  data-ids=''  data-action=''  data-offset='0'  data-container_links='active'  data-link_dest=''  data-lightbox_text=''  data-container_class='av-masonry-entries'  data-auto_ratio='1.7'  data-set_breadcrumb='1'  data-custom_markup=''  data-taxonomy='category'  data-categories=''  data-avno='46c1e4e122'>Carica di pi\u00f9<\/a><\/div>\n<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Les Suisses sont, pour la majorit\u00e9, grands fans d\u2019assurances. Nous retrouvons cela dans le syst\u00e8me con\u00e7u pour permettre id\u00e9alement \u00e0 tout individu de maintenir son niveau de vie, une fois sa vie professionnelle termin\u00e9e.<\/p>\n","protected":false},"menu_order":0,"template":"","meta":{"_acf_changed":false,"footnotes":""},"categories":[15],"class_list":["post-8955","actualites","type-actualites","status-publish","hentry","category-news"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Un, deux, trois\u2026piliers - swisNot - Le r\u00e9seau notarial suisse<\/title>\n<meta name=\"description\" content=\"swisNot, le r\u00e9seau notarial suisse, votre partenaire en mati\u00e8re juridique et fiscale\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.swisnot.ch\/it\/actualites\/un-deux-troispiliers\/\" \/>\n<meta property=\"og:locale\" content=\"it_IT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Un, deux, trois\u2026piliers - 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