{"id":7613,"date":"2018-04-24T08:00:34","date_gmt":"2018-04-24T08:00:34","guid":{"rendered":"http:\/\/www.rothgygax.ch\/?p=7613\/"},"modified":"2018-04-27T14:20:28","modified_gmt":"2018-04-27T14:20:28","slug":"lpp-capital-ou-rente","status":"publish","type":"post","link":"https:\/\/www.rothgygax.ch\/fr\/lpp-capital-ou-rente\/","title":{"rendered":"LPP: Capital ou rente?"},"content":{"rendered":"<p>L\u2019article dans SCALPEL \u00abRente ou capital \u2013 tout est une question d\u2019esp\u00e9rance de vie\u00bb aborde plusieurs aspects de cette question. Mais qu\u2019est-ce que cela implique pour le cabinet\u00a0? SCALPEL s\u2019est renseign\u00e9 aupr\u00e8s de Sergio Kaufmann, membre de la direction et conseiller de Roth Gygax &amp; Partner AG:<\/p>\n<h2>Monsieur Kaufmann, vos clients optent-ils plus souvent pour une rente ou pour le capital?<\/h2>\n<p>La plupart des clients optent pour les deux afin de profiter des avantages des deux possibilit\u00e9s. Si certains clients ont opt\u00e9 pour une rente ces derni\u00e8res ann\u00e9es du fait des taux de conversion plus \u00e9lev\u00e9s, la tendance va de plus en plus dans le sens du capital en raison de la chute des taux. Comme mentionn\u00e9 ant\u00e9rieurement, le plus important est que la d\u00e9cision soit fond\u00e9e sur un suivi personnalis\u00e9.<\/p>\n<h2>Comment se passe ce suivi chez vous?<\/h2>\n<p>La premi\u00e8re \u00e9tape consiste \u00e0 discuter avec les clients de leurs aspirations et objectifs financiers et avoir un aper\u00e7u de leurs avoirs et de leurs revenus. Ensuite, nous \u00e9tablissons des sc\u00e9narios et \u00e9laborons une planification avec un catalogue de mesures que nous pr\u00e9sentons au client. Ensuite, nous accompagnons et conseillons nos clients dans la pratique.<\/p>\n<h2>Quelle est l\u2019importance des conseils?<\/h2>\n<p>Comme vous pouvez le lire dans l\u2019article pr\u00e9c\u00e9dent, un grand nombre de facteurs entre en ligne de compte dans le choix entre le capital et la rente. Souvent, les interlocuteurs tels que les soci\u00e9t\u00e9s fiduciaires ou les conseillers bancaires n\u2019abordent que certains aspects. Par contre, nous essayons de r\u00e9pondre au mieux \u00e0 la complexit\u00e9 et aux ramifications de toutes les interrogations.<\/p>\n<h2>Quel est le bon moment pour se pr\u00e9occuper de la question du plan de retraite?<\/h2>\n<p>Le manuel pr\u00e9conise de d\u00e9finir un plan de retraite 5 &#8211; 10 ans avant le d\u00e9part en retraite. Ce ne sont l\u00e0 que des mots. En effet, des conseils financiers professionnels et personnels sont n\u00e9cessaires pendant toute la vie. C\u2019est pour cette raison que nous conseillons nos clients en mati\u00e8re de constitution de capital, de dissolution du capital et enfin de consommation du capital.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>L\u2019article dans SCALPEL \u00abRente ou capital \u2013 tout est une question d\u2019esp\u00e9rance de vie\u00bb aborde plusieurs aspects de cette question. Mais qu\u2019est-ce que cela implique pour le cabinet\u00a0? SCALPEL s\u2019est&#8230;<\/p>\n","protected":false},"author":3,"featured_media":6623,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[112,129,132],"tags":[],"class_list":["post-7613","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interview-fr","category-lpp","category-planification-de-la-retraite"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>LPP: Capital ou rente? - rothgygax<\/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.rothgygax.ch\/fr\/lpp-capital-ou-rente\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"LPP: Capital ou rente?\" \/>\n<meta property=\"og:description\" content=\"L\u2019article dans SCALPEL \u00abRente ou capital \u2013 tout est une question d\u2019esp\u00e9rance de vie\u00bb aborde plusieurs aspects de cette question. 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