{"id":12135,"date":"2017-10-06T00:00:00","date_gmt":"2017-10-05T22:00:00","guid":{"rendered":"https:\/\/libinst.detail-digital.ch\/denkanstoesse\/au-dela-du-mythe-des-trois-piliers\/"},"modified":"2017-10-06T00:00:00","modified_gmt":"2017-10-05T22:00:00","slug":"au-dela-du-mythe-des-trois-piliers","status":"publish","type":"denkanstoesse","link":"https:\/\/www.libinst.ch\/fr\/publications\/au-dela-du-mythe-des-trois-piliers\/","title":{"rendered":"Au-del\u00e0 du mythe des trois piliers"},"content":{"rendered":"<p class=\"first\"><span class=\"first-letter\">I<\/span>l ne fait pas de doute que le financement futur des retraites constitue l&rsquo;un des plus grands d\u00e9fis de toutes les soci\u00e9t\u00e9s avanc\u00e9es. Les probl\u00e8mes des syst\u00e8mes par r\u00e9partition actuels sont largement reconnus, m\u00eame si ce mode de financement b\u00e9n\u00e9ficie encore d&rsquo;une grande popularit\u00e9 apr\u00e8s des d\u00e9cennies de propagande politique. En Suisse, depuis l&rsquo;introduction de l&rsquo;AVS en 1948, l&rsquo;esp\u00e9rance de vie moyenne a progress\u00e9 de 68 \u00e0 83 ans, alors que l&rsquo;\u00e2ge l\u00e9gal de r\u00e9f\u00e9rence pour le d\u00e9part \u00e0 la retraite est rest\u00e9 fig\u00e9, ce qui implique le financement de rentes sur des p\u00e9riodes sensiblement plus longues.<\/p>\n<p>En raison des faiblesses du syst\u00e8me actuel et des risques permanents de la politisation et de l&rsquo;\u00e9tatisation, la transition vers la capitalisation individuelle est le principe de base d&rsquo;une pr\u00e9voyance \u00e9quitable et adapt\u00e9e \u00e0 l&rsquo;avenir. Le syst\u00e8me de retraite par capitalisation, qui repose sur des comptes d&rsquo;\u00e9pargne individuels, assure un v\u00e9ritable respect de la propri\u00e9t\u00e9. Le capital appartient aux \u00e9pargnants et peut \u00eatre transf\u00e9r\u00e9 \u00e0 leurs descendants \u2014 contrairement aux pr\u00e9l\u00e8vements sur les salaires et aux imp\u00f4ts, qui sont dissip\u00e9s imm\u00e9diatement.<\/p>\n<p>La capitalisation est donc, sur le plan moral d\u00e9j\u00e0, infiniment sup\u00e9rieure au syst\u00e8me par r\u00e9partition: les prestations ne sont pas vers\u00e9es aux d\u00e9pens et au d\u00e9triment d&rsquo;autrui et en particulier des jeunes g\u00e9n\u00e9rations. La capitalisation renforce \u00e9galement l&rsquo;\u00e9galit\u00e9 devant le droit, non seulement parce que la propri\u00e9t\u00e9 des \u00e9pargnants est respect\u00e9e, mais aussi parce que la rente est ici en conformit\u00e9 avec le travail et les efforts consentis par chacun. De plus, la capitalisation s&rsquo;av\u00e8re beaucoup accessible que pr\u00e9vu \u00e0 tous les niveaux de revenus et ses r\u00e9sultats r\u00e9v\u00e8lent le gaspillage de ressources actuellement op\u00e9r\u00e9 par l&rsquo;AVS.<\/p>\n<p class=\"center\"><strong>Lire l&rsquo;\u00e9tude:<br \/>\n<a href=\"http:\/\/www.libinst.ch\/publications\/IL-Etude-Bessard-Pamini-Prevoyance.pdf\" rel=\"external\">Au-del\u00e0 du mythe des trois piliers<br \/>\n<\/a><br \/>\n(34 pages, PDF)<br \/>\n2e \u00e9dition actualis\u00e9e<\/strong><\/p>\n","protected":false},"featured_media":10785,"template":"","tag":[1348,596,171,165],"class_list":["post-12135","denkanstoesse","type-denkanstoesse","status-publish","has-post-thumbnail","hentry","tags-capitalisation","tags-democratie","tags-prevoyance-sociale","tags-prevoyance-vieillesse"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Au-del\u00e0 du mythe des trois piliers - Institut Lib\u00e9ral<\/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:\/\/www.libinst.ch\/fr\/publications\/au-dela-du-mythe-des-trois-piliers\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Au-del\u00e0 du mythe des trois piliers - Institut Lib\u00e9ral\" \/>\n<meta property=\"og:description\" content=\"Il ne fait pas de doute que le financement futur des retraites constitue l&rsquo;un des plus grands d\u00e9fis de toutes les soci\u00e9t\u00e9s avanc\u00e9es. Les probl\u00e8mes des syst\u00e8mes par r\u00e9partition actuels sont largement reconnus, m\u00eame si ce mode de financement b\u00e9n\u00e9ficie encore d&rsquo;une grande popularit\u00e9 apr\u00e8s des d\u00e9cennies de propagande politique. En Suisse, depuis l&rsquo;introduction de [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.libinst.ch\/fr\/publications\/au-dela-du-mythe-des-trois-piliers\/\" \/>\n<meta property=\"og:site_name\" content=\"Institut Lib\u00e9ral\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.libinst.ch\/wp-content\/uploads\/2023\/05\/suisse-avs-retraite-article.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1920\" \/>\n\t<meta property=\"og:image:height\" content=\"916\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data1\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.libinst.ch\\\/fr\\\/publications\\\/au-dela-du-mythe-des-trois-piliers\\\/\",\"url\":\"https:\\\/\\\/www.libinst.ch\\\/fr\\\/publications\\\/au-dela-du-mythe-des-trois-piliers\\\/\",\"name\":\"Au-del\u00e0 du mythe des trois piliers - Institut Lib\u00e9ral\",\"isPartOf\":{\"@id\":\"\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.libinst.ch\\\/fr\\\/publications\\\/au-dela-du-mythe-des-trois-piliers\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.libinst.ch\\\/fr\\\/publications\\\/au-dela-du-mythe-des-trois-piliers\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.libinst.ch\\\/wp-content\\\/uploads\\\/2023\\\/05\\\/suisse-avs-retraite-article.jpg\",\"datePublished\":\"2017-10-05T22:00:00+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.libinst.ch\\\/fr\\\/publications\\\/au-dela-du-mythe-des-trois-piliers\\\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.libinst.ch\\\/fr\\\/publications\\\/au-dela-du-mythe-des-trois-piliers\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/www.libinst.ch\\\/fr\\\/publications\\\/au-dela-du-mythe-des-trois-piliers\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.libinst.ch\\\/wp-content\\\/uploads\\\/2023\\\/05\\\/suisse-avs-retraite-article.jpg\",\"contentUrl\":\"https:\\\/\\\/www.libinst.ch\\\/wp-content\\\/uploads\\\/2023\\\/05\\\/suisse-avs-retraite-article.jpg\",\"width\":1920,\"height\":916,\"caption\":\"Bern, Switzerland - December 22, 2016: Hall of the National Council of the Swiss Confederation\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.libinst.ch\\\/fr\\\/publications\\\/au-dela-du-mythe-des-trois-piliers\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.libinst.ch\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Au-del\u00e0 du mythe des trois piliers\"}]},{\"@type\":\"WebSite\",\"@id\":\"\\\/#website\",\"url\":\"\\\/\",\"name\":\"Institut Lib\u00e9ral\",\"description\":\"\",\"publisher\":{\"@id\":\"\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Organization\",\"@id\":\"\\\/#organization\",\"name\":\"Institut Lib\u00e9ral\",\"url\":\"\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.libinst.ch\\\/wp-content\\\/uploads\\\/2023\\\/08\\\/logo-institut-liberal.png\",\"contentUrl\":\"https:\\\/\\\/www.libinst.ch\\\/wp-content\\\/uploads\\\/2023\\\/08\\\/logo-institut-liberal.png\",\"width\":2935,\"height\":458,\"caption\":\"Institut Lib\u00e9ral\"},\"image\":{\"@id\":\"\\\/#\\\/schema\\\/logo\\\/image\\\/\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Au-del\u00e0 du mythe des trois piliers - Institut Lib\u00e9ral","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.libinst.ch\/fr\/publications\/au-dela-du-mythe-des-trois-piliers\/","og_locale":"fr_FR","og_type":"article","og_title":"Au-del\u00e0 du mythe des trois piliers - Institut Lib\u00e9ral","og_description":"Il ne fait pas de doute que le financement futur des retraites constitue l&rsquo;un des plus grands d\u00e9fis de toutes les soci\u00e9t\u00e9s avanc\u00e9es. Les probl\u00e8mes des syst\u00e8mes par r\u00e9partition actuels sont largement reconnus, m\u00eame si ce mode de financement b\u00e9n\u00e9ficie encore d&rsquo;une grande popularit\u00e9 apr\u00e8s des d\u00e9cennies de propagande politique. En Suisse, depuis l&rsquo;introduction de [&hellip;]","og_url":"https:\/\/www.libinst.ch\/fr\/publications\/au-dela-du-mythe-des-trois-piliers\/","og_site_name":"Institut Lib\u00e9ral","og_image":[{"width":1920,"height":916,"url":"https:\/\/www.libinst.ch\/wp-content\/uploads\/2023\/05\/suisse-avs-retraite-article.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_misc":{"Dur\u00e9e de lecture estim\u00e9e":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.libinst.ch\/fr\/publications\/au-dela-du-mythe-des-trois-piliers\/","url":"https:\/\/www.libinst.ch\/fr\/publications\/au-dela-du-mythe-des-trois-piliers\/","name":"Au-del\u00e0 du mythe des trois piliers - Institut Lib\u00e9ral","isPartOf":{"@id":"\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.libinst.ch\/fr\/publications\/au-dela-du-mythe-des-trois-piliers\/#primaryimage"},"image":{"@id":"https:\/\/www.libinst.ch\/fr\/publications\/au-dela-du-mythe-des-trois-piliers\/#primaryimage"},"thumbnailUrl":"https:\/\/www.libinst.ch\/wp-content\/uploads\/2023\/05\/suisse-avs-retraite-article.jpg","datePublished":"2017-10-05T22:00:00+00:00","breadcrumb":{"@id":"https:\/\/www.libinst.ch\/fr\/publications\/au-dela-du-mythe-des-trois-piliers\/#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.libinst.ch\/fr\/publications\/au-dela-du-mythe-des-trois-piliers\/"]}]},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.libinst.ch\/fr\/publications\/au-dela-du-mythe-des-trois-piliers\/#primaryimage","url":"https:\/\/www.libinst.ch\/wp-content\/uploads\/2023\/05\/suisse-avs-retraite-article.jpg","contentUrl":"https:\/\/www.libinst.ch\/wp-content\/uploads\/2023\/05\/suisse-avs-retraite-article.jpg","width":1920,"height":916,"caption":"Bern, Switzerland - December 22, 2016: Hall of the National Council of the Swiss Confederation"},{"@type":"BreadcrumbList","@id":"https:\/\/www.libinst.ch\/fr\/publications\/au-dela-du-mythe-des-trois-piliers\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.libinst.ch\/"},{"@type":"ListItem","position":2,"name":"Au-del\u00e0 du mythe des trois piliers"}]},{"@type":"WebSite","@id":"\/#website","url":"\/","name":"Institut Lib\u00e9ral","description":"","publisher":{"@id":"\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"},{"@type":"Organization","@id":"\/#organization","name":"Institut Lib\u00e9ral","url":"\/","logo":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"\/#\/schema\/logo\/image\/","url":"https:\/\/www.libinst.ch\/wp-content\/uploads\/2023\/08\/logo-institut-liberal.png","contentUrl":"https:\/\/www.libinst.ch\/wp-content\/uploads\/2023\/08\/logo-institut-liberal.png","width":2935,"height":458,"caption":"Institut Lib\u00e9ral"},"image":{"@id":"\/#\/schema\/logo\/image\/"}}]}},"_links":{"self":[{"href":"https:\/\/www.libinst.ch\/fr\/wp-json\/wp\/v2\/denkanstoesse\/12135","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.libinst.ch\/fr\/wp-json\/wp\/v2\/denkanstoesse"}],"about":[{"href":"https:\/\/www.libinst.ch\/fr\/wp-json\/wp\/v2\/types\/denkanstoesse"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.libinst.ch\/fr\/wp-json\/wp\/v2\/media\/10785"}],"wp:attachment":[{"href":"https:\/\/www.libinst.ch\/fr\/wp-json\/wp\/v2\/media?parent=12135"}],"wp:term":[{"taxonomy":"tags","embeddable":true,"href":"https:\/\/www.libinst.ch\/fr\/wp-json\/wp\/v2\/tag?post=12135"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}