{"id":61162,"date":"2024-06-19T12:57:47","date_gmt":"2024-06-19T10:57:47","guid":{"rendered":"https:\/\/www.fondapi.it\/la-comparaison-avec-dautres-investissements\/"},"modified":"2025-11-28T11:14:08","modified_gmt":"2025-11-28T10:14:08","slug":"la-comparaison-avec-dautres-investissements","status":"publish","type":"page","link":"https:\/\/www.fondapi.it\/fr\/fondapi\/la-comparaison-avec-dautres-investissements\/","title":{"rendered":"La comparaison avec d&rsquo;autres investissements"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"61162\" class=\"elementor elementor-61162 elementor-55845\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-20b4162c e-flex e-con-boxed e-con e-parent\" data-id=\"20b4162c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-45a9db54 e-flex e-con-boxed e-con e-child\" data-id=\"45a9db54\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7f94b597 elementor-widget elementor-widget-jet-breadcrumbs\" data-id=\"7f94b597\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jet-breadcrumbs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-jet-breadcrumbs jet-blocks\">\n\t\t<div class=\"jet-breadcrumbs\">\n\t\t<div class=\"jet-breadcrumbs__content\">\n\t\t<div class=\"jet-breadcrumbs__wrap\"><div class=\"jet-breadcrumbs__item\"><a href=\"https:\/\/www.fondapi.it\/fr\/\" class=\"jet-breadcrumbs__item-link is-home\" rel=\"home\" title=\"Accueil\">Accueil<\/a><\/div>\n\t\t<\/div>\n\t\t<\/div>\n\t\t<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-558c7490 elementor-widget elementor-widget-html\" data-id=\"558c7490\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<script>document.addEventListener(\"DOMContentLoaded\", function() {\n  var observer = new MutationObserver(function(mutations) {\n    mutations.forEach(function(mutation) {\n      var link = document.querySelector(\".jet-breadcrumbs__item-link[title='Fondapi']\");\n      if (link) {\n        link.addEventListener(\"click\", function(event) {\n          event.preventDefault();\n        });\n      }\n    });\n  });\n\n  observer.observe(document.body, { childList: true, subtree: true });\n\n  var link = document.querySelector(\".jet-breadcrumbs__item-link[title='Fondapi']\");\n  if (link) {\n    link.addEventListener(\"click\", function(event) {\n      event.preventDefault();\n    });\n  }\n});\n<\/script>\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-20bf6ee0 e-flex e-con-boxed e-con e-child\" data-id=\"20bf6ee0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4026c667 elementor-widget__width-auto elementor-widget elementor-widget-heading\" data-id=\"4026c667\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Fondapi<\/h6>\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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1c545dba e-flex e-con-boxed e-con e-parent\" data-id=\"1c545dba\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-7b0b8f11 e-con-full e-flex e-con e-child\" data-id=\"7b0b8f11\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;sticky&quot;:&quot;top&quot;,&quot;sticky_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;],&quot;sticky_parent&quot;:&quot;yes&quot;,&quot;sticky_offset&quot;:140,&quot;sticky_effects_offset&quot;:0,&quot;sticky_anchor_link_offset&quot;:0}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-39fa4cff elementor-widget elementor-widget-text-editor\" data-id=\"39fa4cff\" data-element_type=\"widget\" data-e-type=\"widget\" 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>Pouvoir \u00e9pargner pour l&rsquo;avenir est fondamental, et le faire en contribuant \u00e0 un fonds de pension professionnel (li\u00e9 \u00e0 votre contrat de travail) est une excellente fa\u00e7on, pouvant aussi <b>s&rsquo;int\u00e9grer parfaitement avec d&rsquo;autres formes d&rsquo;investissement d\u00e9j\u00e0 utilis\u00e9es<\/b> ; examinons les <b>particularit\u00e9s du fonds de pension compar\u00e9 \u00e0 d&rsquo;autres investissements<\/b>.<\/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-24dbbd9b e-con-full e-flex e-con e-child\" data-id=\"24dbbd9b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8b0631a elementor-widget elementor-widget-image\" data-id=\"8b0631a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1333\" height=\"2000\" src=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/altri-investimenti.webp\" class=\"attachment-full size-full wp-image-61163\" alt=\"\" srcset=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/altri-investimenti.webp 1333w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/altri-investimenti-200x300.webp 200w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/altri-investimenti-682x1024.webp 682w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/altri-investimenti-768x1152.webp 768w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/altri-investimenti-1024x1536.webp 1024w\" sizes=\"(max-width: 1333px) 100vw, 1333px\" \/>\t\t\t\t\t\t\t\t\t\t\t\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<div class=\"elementor-element elementor-element-6ab8e3b3 elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"6ab8e3b3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-77388b4 e-flex e-con-boxed e-con e-parent\" data-id=\"77388b4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6127b2cb e-con-full e-flex e-con e-child\" data-id=\"6127b2cb\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-41a55c01 elementor-widget elementor-widget-image\" data-id=\"41a55c01\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1121\" height=\"2000\" src=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/equilibrio-giusto.webp\" class=\"attachment-full size-full wp-image-60970\" alt=\"\" srcset=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/equilibrio-giusto.webp 1121w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/equilibrio-giusto-168x300.webp 168w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/equilibrio-giusto-574x1024.webp 574w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/equilibrio-giusto-768x1370.webp 768w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/equilibrio-giusto-861x1536.webp 861w\" sizes=\"(max-width: 1121px) 100vw, 1121px\" \/>\t\t\t\t\t\t\t\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-726cd0b1 e-con-full e-flex e-con e-child\" data-id=\"726cd0b1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;sticky&quot;:&quot;top&quot;,&quot;sticky_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;],&quot;sticky_parent&quot;:&quot;yes&quot;,&quot;sticky_offset&quot;:140,&quot;sticky_effects_offset&quot;:0,&quot;sticky_anchor_link_offset&quot;:0}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2fb62ded elementor-widget elementor-widget-heading\" data-id=\"2fb62ded\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Trouvez le bon \u00e9quilibre<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-12942784 elementor-widget elementor-widget-text-editor\" data-id=\"12942784\" data-element_type=\"widget\" data-e-type=\"widget\" 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>Un fonds de pension d&rsquo;entreprise ne doit remplacer aucune des fa\u00e7ons dont vous pourriez d\u00e9j\u00e0 g\u00e9rer votre argent : il peut <b>fonctionner en synergie avec diff\u00e9rents engagements financiers<\/b>, qu&rsquo;il s&rsquo;agisse d&rsquo;un investissement immobilier, d&rsquo;un compte d&rsquo;\u00e9pargne ou d&rsquo;un Plan d&rsquo;Investissement Programm\u00e9 (PIP) en ETF.<\/p><p>Adh\u00e9rer \u00e0 un <b>fonds de pension professionnel<\/b> comme Fondapi peut cependant \u00eatre l&rsquo;un des moyens les plus efficaces pour commencer \u00e0 \u00e9pargner pour sa retraite, <b>en investissant de petites sommes mensuelles<\/b>.<\/p><p>En effet, gr\u00e2ce \u00e0 l&rsquo;<b>afflux d&rsquo;indemnit\u00e9s de fin de carri\u00e8re et aux cotisations de l&#8217;employeur<\/b> (dues uniquement en cas d&rsquo;adh\u00e9sion aux fonds li\u00e9s \u00e0 votre contrat de travail), aux <b>avantages fiscaux<\/b> et \u00e0 l&rsquo;<b>effet \u00e0 long terme des rendements<\/b> des investissements r\u00e9investis (int\u00e9r\u00eats compos\u00e9s), il est possible de construire, m\u00eame sans aucune connaissance technique en mati\u00e8re financi\u00e8re, un <b>bon investissement pour son avenir<\/b>.<\/p><p>Tout ce qui est \u00e9num\u00e9r\u00e9 ci-dessus contribue \u00e0 <b>faire cro\u00eetre dans le temps le capital accumul\u00e9 dans le fonds<\/b> et, par cons\u00e9quent, \u00e0 <b>augmenter ses revenus pendant la retraite<\/b>.<\/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\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-20db65ae elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"20db65ae\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4bca9f48 e-flex e-con-boxed e-con e-parent\" data-id=\"4bca9f48\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-5d6980b9 e-con-full e-flex e-con e-child\" data-id=\"5d6980b9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5e9b4d5e elementor-widget elementor-widget-heading\" data-id=\"5e9b4d5e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Investir \u00e0 partir de <br><span style=\"color: #3997B9\">20 \u20ac par mois<\/span><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-13fdd6e7 elementor-widget elementor-widget-text-editor\" data-id=\"13fdd6e7\" data-element_type=\"widget\" data-e-type=\"widget\" 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>Le fonds de pension, compar\u00e9 \u00e0 d&rsquo;autres types d&rsquo;investissement, permet de <b>commencer avec des montants m\u00eame tr\u00e8s faibles<\/b>.<\/p><p>L&rsquo;exemple suivant simule comment, avec un versement personnel de seulement 24 \u20ac par mois, les plus jeunes peuvent mettre de c\u00f4t\u00e9, en environ 40 ans de <b>cotisation jusqu&rsquo;\u00e0 pr\u00e8s de 280 000 \u20ac<\/b> (aux 24 \u20ac se sont ajout\u00e9s l&rsquo;indemnit\u00e9 de fin de carri\u00e8re accumul\u00e9e et la contribution de l&rsquo;entreprise).<\/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\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-29575f85 e-flex e-con-boxed e-con e-parent\" data-id=\"29575f85\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-4ff6be90 e-con-full e-flex e-con e-child\" data-id=\"4ff6be90\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-331121b8 elementor-widget elementor-widget-text-editor\" data-id=\"331121b8\" data-element_type=\"widget\" data-e-type=\"widget\" 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<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><ul><li aria-level=\"1\"><b>\u00c2ge<\/b> : cette colonne d\u00e9di\u00e9e \u00e0 chaque \u00e2ge possible de d\u00e9part \u00e0 la retraite estime le r\u00e9sultat brut de votre fonds de pension.<\/li><li aria-level=\"1\"><b>Versements bruts cumul\u00e9s<\/b> : le total vers\u00e9 jusqu&rsquo;\u00e0 cette ann\u00e9e.<\/li><li aria-level=\"1\"><b>Position individuelle<\/b> : le total des versements et des rendements.<\/li><li aria-level=\"1\"><b>Rente viag\u00e8re brute<\/b> : correspond \u00e0 la conversion en versements annuels de votre fonds de pension.<\/li><\/ul><br><p><em>En cas de retraite \u00e0 67 ans avec un capital de 277 908 \u20ac, nous percevrions environ 11 000 \u20ac par an de pension compl\u00e9mentaire.<\/em><\/p><p><strong>Pour la simulation, nous avons utilis\u00e9 notre simulateur de retraite. <\/strong><em><br><\/em><\/p><\/div>\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-499dc3a3 elementor-widget elementor-widget-button\" data-id=\"499dc3a3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/funds.previnet.it\/fondapi-w-psimula\/previdenziale.html#\/previdenziale%20\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Essayez-le vous aussi !<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\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-73b8e886 e-con-full e-flex e-con e-child\" data-id=\"73b8e886\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7d29625b elementor-widget elementor-widget-image\" data-id=\"7d29625b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"580\" height=\"542\" src=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/06\/image.png\" class=\"attachment-full size-full wp-image-60969\" alt=\"\" srcset=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/06\/image.png 580w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/06\/image-300x280.png 300w\" sizes=\"(max-width: 580px) 100vw, 580px\" \/>\t\t\t\t\t\t\t\t\t\t\t\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<div class=\"elementor-element elementor-element-2e8bd415 elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"2e8bd415\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-31ea2903 e-flex e-con-boxed e-con e-parent\" data-id=\"31ea2903\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-29566199 e-con-full e-flex e-con e-child\" data-id=\"29566199\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cc4af27 elementor-widget elementor-widget-heading\" data-id=\"cc4af27\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Quelles sont les <span style=\"color: #3997B9\">diff\u00e9rences<\/span> avec un Plan d'Investissement Programm\u00e9 (PIP) en ETF<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1514c70b elementor-widget elementor-widget-text-editor\" data-id=\"1514c70b\" data-element_type=\"widget\" data-e-type=\"widget\" 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>Les <b>diff\u00e9rences entre un fonds de pension et un PIP en ETF<\/b> ne sont pas nombreuses et, \u00e0 certains \u00e9gards, le fonctionnement entre ces deux formes d&rsquo;investissement est m\u00eame comparable.<\/p><p>Dans les deux cas, on investit de mani\u00e8re r\u00e9currente et pendant une certaine p\u00e9riode des sommes d&rsquo;argent, en visant non pas un gain bas\u00e9 sur la sp\u00e9culation financi\u00e8re, mais sur la <b>croissance des diff\u00e9rents titres qui composent l&rsquo;indice de r\u00e9f\u00e9rence<\/b>.<\/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-b0f3129 elementor-widget elementor-widget-heading\" data-id=\"b0f3129\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Le fonds de pension compar\u00e9 \u00e0 d'autres investissements : <span style=\"color: #3997B9\">la fiscalit\u00e9 appliqu\u00e9e<\/span>  <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7de90d5 elementor-widget elementor-widget-text-editor\" data-id=\"7de90d5\" data-element_type=\"widget\" data-e-type=\"widget\" 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>Les diff\u00e9rences substantielles entre les diff\u00e9rents types d&rsquo;investissement se trouvent dans la <b>fiscalit\u00e9 appliqu\u00e9e<\/b>. Le fonds de pension, ayant l\u00e9galement une <b>finalit\u00e9 de retraite<\/b>, peut offrir un plus grand nombre d&rsquo;<b>avantages fiscaux<\/b> par rapport aux plans d&rsquo;investissement programm\u00e9s. <\/p><p>Par exemple :<\/p><ul><li aria-level=\"1\">les <b>cotisations<\/b> vers\u00e9es annuellement sont <b>d\u00e9ductibles<\/b> de votre revenu jusqu&rsquo;\u00e0 <b>5 164,57 \u20ac<\/b> ;<\/li><li aria-level=\"1\">la <b>taxation sur les revenus<\/b> provenant des titres actions passe de 26 %, r\u00e9serv\u00e9e aux particuliers, \u00e0 <b>20 %<\/b> ;<\/li><li aria-level=\"1\">la <b>taxation IRPEF sur le rachat final<\/b>, c&rsquo;est-\u00e0-dire au moment de la retraite, est <b>au maximum de 15 %<\/b> fixe. De plus, pour chaque ann\u00e9e d&rsquo;inscription apr\u00e8s la <b>15\u00e8me<\/b>, une r\u00e9duction fiscale de <b>0,3 %<\/b> par an est appliqu\u00e9e : cela am\u00e8ne la taxation, <b>apr\u00e8s 35 ans d&rsquo;inscription au fonds<\/b>, au <b>minimum de 9 %<\/b> ; <\/li><li aria-level=\"1\">en cas de <b>rachat par les h\u00e9ritiers<\/b>, le <b>fonds de pension n&rsquo;est pas soumis aux droits de succession<\/b>.<\/li><\/ul>\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-4f4b09fd elementor-widget elementor-widget-button\" data-id=\"4f4b09fd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.fondapi.it\/fr\/comment-ca-fonctionne\/avantages-fiscaux\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">D\u00e9couvrez les avantages fiscaux<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\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-34cedc3b e-con-full e-flex e-con e-child\" data-id=\"34cedc3b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-44673e64 e-con-full e-flex e-con e-child\" data-id=\"44673e64\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-23f43ad e-flex e-con-boxed e-con e-child\" data-id=\"23f43ad\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-662b2e3f elementor-widget elementor-widget-heading\" data-id=\"662b2e3f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">D\u00e9ductibilit\u00e9<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5a583bc8 elementor-widget elementor-widget-text-editor\" data-id=\"5a583bc8\" data-element_type=\"widget\" data-e-type=\"widget\" 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>D\u00e9ductibilit\u00e9 des cotisations vers\u00e9es \u00e0 la retraite compl\u00e9mentaire jusqu&rsquo;\u00e0 <strong>5 164,57 \u20ac par an<\/strong>.<\/p>\t\t\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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-30544364 e-con-full e-flex e-con e-child\" data-id=\"30544364\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-93c3d1a e-flex e-con-boxed e-con e-child\" data-id=\"93c3d1a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5f791fb9 elementor-widget elementor-widget-heading\" data-id=\"5f791fb9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Taxation<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fa58690 elementor-widget elementor-widget-text-editor\" data-id=\"fa58690\" data-element_type=\"widget\" data-e-type=\"widget\" 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><strong>Taxation IRPEF de l&rsquo;indemnit\u00e9 de fin de carri\u00e8re et des cotisations<\/strong> vers\u00e9es au fonds de pension <strong>pr\u00e9f\u00e9rentielle<\/strong>, \u00e9gale au maximum \u00e0 23 % pour les rachats avant la retraite, et <strong>entre 15 % et 9 %<\/strong> (selon l&rsquo;anciennet\u00e9 d&rsquo;inscription) pour les <strong>liquidations cons\u00e9cutives au d\u00e9part \u00e0 la retraite<\/strong>.<\/p>\t\t\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\t\t<div class=\"elementor-element elementor-element-25d821fc elementor-button-info elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-button\" data-id=\"25d821fc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.fondapi.it\/investimenti\/aliquote-e-scaglioni-irpef-2023\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">D\u00e9couvrez les taux et les tranches de l'IRPEF<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\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<div class=\"elementor-element elementor-element-52002e29 elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"52002e29\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-54ad93df e-flex e-con-boxed e-con e-parent\" data-id=\"54ad93df\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-23afac86 e-con-full e-flex e-con e-child\" data-id=\"23afac86\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bab9926 elementor-widget elementor-widget-heading\" data-id=\"bab9926\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Le fonds de pension compar\u00e9 \u00e0 d'autres investissements : <span style=\"color: #3997B9\">Cotisation<\/span>  <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7e4e4184 elementor-widget elementor-widget-text-editor\" data-id=\"7e4e4184\" data-element_type=\"widget\" data-e-type=\"widget\" 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>En ce qui concerne l&rsquo;<b>afflux de capital \u00e0 investir<\/b>, la diff\u00e9rence principale r\u00e9side dans les <b>sources des capitaux<\/b>.<\/p><p>Dans le cas des <b>plans d&rsquo;investissement programm\u00e9s<\/b>, la source est g\u00e9n\u00e9ralement unique : votre <b>compte courant<\/b>. Pour les <b>fonds de pension<\/b>, les sources principales sont : <\/p><ul><li aria-level=\"1\">l&rsquo;<b>indemnit\u00e9 de fin de carri\u00e8re<\/b>, que l&rsquo;entreprise verse directement au fonds ;<\/li><li aria-level=\"1\">la <b>cotisation suppl\u00e9mentaire de l&rsquo;entreprise<\/b>, due uniquement en cas d&rsquo;adh\u00e9sion \u00e0 un fonds de branche ;<\/li><li aria-level=\"1\">la <b>cotisation minimale volontaire du travailleur,<\/b> qui en moyenne se situe autour de <b>1,5 % du salaire annuel brut<\/b> et varie selon la convention collective.<\/li><\/ul>\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-8895680 elementor-widget elementor-widget-heading\" data-id=\"8895680\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Le fonds de pension compar\u00e9 \u00e0 d'autres investissements : <span style=\"color: #3997B9\">la gestion financi\u00e8re et les charges fiscales<\/span><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8f33995 elementor-widget elementor-widget-text-editor\" data-id=\"8f33995\" data-element_type=\"widget\" data-e-type=\"widget\" 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>Dans ce cas \u00e9galement, <b>les diff\u00e9rences sont multiples<\/b>.<\/p><p>Pour lancer un plan d&rsquo;investissement programm\u00e9, il faut trouver un <b>courtier ou une plateforme de courtage<\/b>, <b>ouvrir un compte<\/b> sur celle-ci puis <b>acheter des ETF ou d&rsquo;autres instruments<\/b> selon sa strat\u00e9gie d&rsquo;investissement. Si d&rsquo;un c\u00f4t\u00e9 on a donc une <b>extr\u00eame flexibilit\u00e9<\/b> dans la d\u00e9finition de sa propre strat\u00e9gie personnelle, de l&rsquo;autre il faut <b>passer de nombreuses heures \u00e0 \u00e9tudier et s&rsquo;informer sur les solutions offertes par le march\u00e9.<\/b> <\/p><p>Le <b>fonds de pension<\/b>, en revanche, ne peut pas offrir ce degr\u00e9 de flexibilit\u00e9 ; la majorit\u00e9 des fonds propose diff\u00e9rents <b>types d&rsquo;investissement<\/b> (les dits <b>compartiments<\/b>), chacun configur\u00e9 selon des <b>strat\u00e9gies sp\u00e9cifiques<\/b> visant \u00e0 atteindre une s\u00e9rie d&rsquo;objectifs pr\u00e9d\u00e9finis.<\/p><p>Ce processus implique :<\/p><ul><li aria-level=\"1\">le <b>service financier<\/b> du fonds, qui guide et d\u00e9finit les choix, les politiques et les strat\u00e9gies d&rsquo;investissement ;<\/li><li aria-level=\"1\">un <b>conseiller<\/b> <b>financier<\/b>, choisi par le service financier, qui soutient ce m\u00eame service dans la d\u00e9finition des strat\u00e9gies et le suivi des march\u00e9s ;<\/li><li aria-level=\"1\">les <b>gestionnaires financiers<\/b>, qui s&rsquo;occupent mat\u00e9riellement d&rsquo;investir les capitaux que le fonds de pension collecte<\/li><li aria-level=\"1\">une <b>banque d\u00e9positaire<\/b>, qui conserve les sommes en gestion et surveille, avec le fonds, le respect des strat\u00e9gies et des politiques d&rsquo;investissement.<br><br><\/li><\/ul><p>Fondapi b\u00e9n\u00e9ficie \u00e9galement des conseils d&rsquo;un <b>fournisseur de r\u00e9f\u00e9rences durables<\/b> qui attribue un <b>score ESG<\/b> \u00e0 tous les titres dans lesquels le Fonds pourrait investir ; les titres ayant le score ESG le plus bas sont ensuite \u00e9cart\u00e9s de la liste des titres dans lesquels Fondapi pourrait investir.<\/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\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-362ab964 elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"362ab964\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-aef4695 e-flex e-con-boxed e-con e-parent\" data-id=\"aef4695\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-7968cf2e e-con-full e-flex e-con e-child\" data-id=\"7968cf2e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-54e36b98 elementor-widget elementor-widget-heading\" data-id=\"54e36b98\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Fonds de pension et obligations fiscales <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2623f5e3 elementor-widget elementor-widget-text-editor\" data-id=\"2623f5e3\" data-element_type=\"widget\" data-e-type=\"widget\" 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>M\u00eame en ce qui concerne les obligations fiscales incombant \u00e0 l&rsquo;adh\u00e9rent, par rapport \u00e0 d&rsquo;autres investissements, <b>le fonds de pension est tr\u00e8s avantageux<\/b> ; de plus, l&rsquo;adh\u00e9rent, sauf dans certains cas, n&rsquo;a pas d&rsquo;obligations fiscales particuli\u00e8res ou difficiles \u00e0 accomplir.<\/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-3f4d64ab e-con-full e-flex e-con e-child\" data-id=\"3f4d64ab\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-529cc4fa e-con-full e-flex e-con e-child\" data-id=\"529cc4fa\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-364ed079 e-flex e-con-boxed e-con e-child\" data-id=\"364ed079\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-17963987 elementor-widget elementor-widget-heading\" data-id=\"17963987\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">D\u00e9claration de revenus (Mod. 730)<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-734f7a9 elementor-widget elementor-widget-text-editor\" data-id=\"734f7a9\" data-element_type=\"widget\" data-e-type=\"widget\" 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>\u00c0 l&rsquo;exception des seuls versements provenant du compte courant de l&rsquo;adh\u00e9rent, <b>tous les autres versements sont d\u00e9j\u00e0 communiqu\u00e9s \u00e0 l&rsquo;Administration fiscale<\/b> par l&rsquo;entreprise via la <b>Certification Unique<\/b>.<\/p><p><b>Fondapi d\u00e9clare les versements effectu\u00e9s<\/b> \u00e0 l&rsquo;Administration fiscale et ceux-ci sont ins\u00e9r\u00e9s dans le dossier fiscal de l&rsquo;adh\u00e9rent.<\/p>\t\t\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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-33e943a6 e-con-full e-flex e-con e-child\" data-id=\"33e943a6\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-53713e0f e-flex e-con-boxed e-con e-child\" data-id=\"53713e0f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3283f52c elementor-widget elementor-widget-heading\" data-id=\"3283f52c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Certification ISEE<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-39a4e33 elementor-widget elementor-widget-text-editor\" data-id=\"39a4e33\" data-element_type=\"widget\" data-e-type=\"widget\" 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>L&rsquo;<b>Indicateur de la Situation \u00c9conomique \u00c9quivalente<\/b> (ISEE) est un indicateur qui permet de mesurer la <b>situation \u00e9conomique familiale<\/b> et constitue le principal instrument d&rsquo;acc\u00e8s \u00e0 certains <b>bonus<\/b> ou <b>prestations sociales avantageuses<\/b>.<\/p>\t\t\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\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2dbd6465 e-con-full e-flex e-con e-child\" data-id=\"2dbd6465\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b168796 elementor-widget elementor-widget-heading\" data-id=\"b168796\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">En ce qui <strong>concerne l'ISEE, le fonds de pension ne fait pas partie des biens \u00e0 d\u00e9clarer.<\/strong>\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2710df29 elementor-widget elementor-widget-text-editor\" data-id=\"2710df29\" data-element_type=\"widget\" data-e-type=\"widget\" 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>Le <b>seul cas<\/b> o\u00f9 des <b>informations concernant le Fonds de pension devront \u00eatre communiqu\u00e9es<\/b> est repr\u00e9sent\u00e9 par l&rsquo;hypoth\u00e8se o\u00f9 l&rsquo;inscrit, une fois la retraite atteinte, a opt\u00e9 pour la <b>prestation de retraite sous forme de rente<\/b>. Dans les instructions de l&rsquo;INPS pour remplir la <g id=\"gid_3\">D\u00e9claration Substitutive Unique<\/g>, il est en effet pr\u00e9cis\u00e9 que dans le <g id=\"gid_4\">cadre FC8<\/g> (Revenus, traitements et d\u00e9penses) devront \u00eatre report\u00e9es \u00ab <g id=\"gid_5\">les prestations de pr\u00e9voyance compl\u00e9mentaire vers\u00e9es sous forme de rente comprises dans le montant acquis depuis le 1er janvier 2007<\/g> \u00bb. Dans les indications, il est ensuite pr\u00e9cis\u00e9 que <i>\u00ab les prestations vers\u00e9es par les fonds de pension sous forme de capital ne doivent pas \u00eatre indiqu\u00e9es \u00bb.<\/i>  <\/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\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e30ff17 e-flex e-con-boxed e-con e-parent\" data-id=\"e30ff17\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dd4e822 elementor-widget elementor-widget-html\" data-id=\"dd4e822\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<script type=\"text\/javascript\" src=\"\/\/widget.trustpilot.com\/bootstrap\/v5\/tp.widget.bootstrap.min.js\" async=\"\"><\/script>\n<div class=\"trustpilot-widget\" data-locale=\"it-IT\" data-template-id=\"54ad5defc6454f065c28af8b\" data-businessunit-id=\"636d0a1b79e3f339e1d60a3b\" data-style-height=\"240px\" data-style-width=\"100%\" data-theme=\"light\" data-stars=\"1,2,3,4,5\" data-review-languages=\"it\" data-font-family=\"Lato\" data-text-color=\"#000000\">\n  <a href=\"https:\/\/it.trustpilot.com\/review\/fondapi.it\" target=\"_blank\" rel=\"noopener\">Trustpilot<\/a>\n<\/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=\"elementor-element elementor-element-4885c4a e-con-full e-flex e-con e-parent\" data-id=\"4885c4a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-00aaed2 e-con-full e-flex e-con e-child\" data-id=\"00aaed2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3304dcc elementor-widget elementor-widget-heading\" data-id=\"3304dcc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Combien d'argent \u00eates-vous en train de refuser ?\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b7698d4 elementor-widget elementor-widget-heading\" data-id=\"b7698d4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">D\u00e9couvrez-le avec notre simulateur. C'est gratuit ! \n<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-50e0583 e-flex e-con-boxed e-con e-child\" data-id=\"50e0583\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-653578c elementor-widget elementor-widget-button\" data-id=\"653578c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.fondapi.it\/fr\/comment-ca-fonctionne\/cotisation-employeur\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Calculez maintenant !<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\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-5aa0b70 elementor-widget elementor-widget-button\" data-id=\"5aa0b70\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/forms.office.com\/e\/3TMS2B7AMy\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Demandez une consultation<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\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\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Home Fondapi Pouvoir \u00e9pargner pour l&rsquo;avenir est fondamental, et le faire en contribuant \u00e0 un fonds de pension professionnel (li\u00e9 \u00e0 votre contrat de travail) est une excellente fa\u00e7on, pouvant aussi s&rsquo;int\u00e9grer parfaitement avec d&rsquo;autres formes d&rsquo;investissement d\u00e9j\u00e0 utilis\u00e9es ; examinons les particularit\u00e9s du fonds de pension compar\u00e9 \u00e0 d&rsquo;autres investissements. Trouvez le bon \u00e9quilibre [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":61267,"menu_order":5,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-61162","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>La comparaison avec d&#039;autres investissements - Fondapi<\/title>\n<meta name=\"description\" content=\"Le fonds de pension vous permet de commencer \u00e0 investir m\u00eame avec des montants tr\u00e8s faibles. 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