{"id":9544,"date":"2022-05-16T11:40:06","date_gmt":"2022-05-16T11:40:06","guid":{"rendered":"https:\/\/www.rothgygax.ch\/?p=9544"},"modified":"2021-11-01T15:00:39","modified_gmt":"2021-11-01T15:00:39","slug":"epargner-pendant-sa-carriere-de-medecin-un-defi","status":"publish","type":"post","link":"https:\/\/www.rothgygax.ch\/fr\/epargner-pendant-sa-carriere-de-medecin-un-defi\/","title":{"rendered":"\u00c9pargner pendant sa carri\u00e8re de m\u00e9decin, un d\u00e9fi"},"content":{"rendered":"

\u00c9tudes de m\u00e9decine, stage, activit\u00e9 en h\u00f4pital, promotion comme chef de service, \u00e9tablissement de son propre cabinet, etc. \u2013 les m\u00e9decins passent par diff\u00e9rentes phases tout au long de leur carri\u00e8re. Cela occasionne quelques d\u00e9fis importants en relation avec le plan de retraite et la planification financi\u00e8re.<\/p>\n

\u00c9volution progressive du salaire<\/h2>\n

Si l\u2019on consid\u00e8re l\u2019\u00e9volution de chaque revenu annuel en termes de pourcentage du revenu global qu\u2019un m\u00e9decin gagne au cours de sa vie professionnelle, ce qui frappe, c\u2019est ceci: La partie la plus importante du revenu est gagn\u00e9e pendant le derniers tiers de la vie professionnelle.<\/p>\n

Repr\u00e9sentation sch\u00e9matique du revenu par ann\u00e9e d\u2019\u00e2ge en % du revenu professionnel total<\/p>\n

\"\"<\/p>\n

Les m\u00e9decins commencent leur vie professionnelle par des \u00e9tudes qui durent de longues ann\u00e9es. \u00c0 l\u2019heure actuelle, l\u2019\u00e2ge moyen d\u2019un dipl\u00f4m\u00e9 se situe aux alentours de 28 ans. Alors qu\u2019un m\u00e9decin ne touche pratiquement aucun revenu au cours de cette phase, d\u2019autres m\u00e9tiers \u2013 p. ex. apr\u00e8s un apprentissage \u2013 permettent de gagner sa vie pendant environ 10 ans. Tandis que le stage qui suit imm\u00e9diatement les \u00e9tudes permet certes de toucher un premier revenu, mais qui ne correspond cependant pas encore au salaire moyen. Une promotion comme m\u00e9decin-chef ou chef de clinique ou encore l\u2019\u00e9tablissement de son propre cabinet arrive souvent dans le troisi\u00e8me tiers de la vie professionnelle.<\/p>\n

D\u00e9fi num\u00e9ro 1: Couvrir l\u2019incapacit\u00e9 de gain<\/h2>\n

Personne ne peut savoir \u00e0 l\u2019avance comment sa carri\u00e8re va se d\u00e9rouler. Certaines choses sont cependant pr\u00e9visibles dans une carri\u00e8re m\u00e9dicale. Apr\u00e8s la r\u00e9ussite des \u00e9tudes, un revenu correspondant peut \u00eatre obtenu, qui augmente tr\u00e8s probablement \u00e0 son tour \u00e0 la fin du stage. Notre syst\u00e8me de s\u00e9curit\u00e9 sociale ne tient cependant gu\u00e8re compte des d\u00e9veloppements futurs d\u2019une carri\u00e8re. Cela signifie que l\u2019on n\u2019est assur\u00e9 que pour une partie de son revenu. Un exemple ci-dessous:<\/p>\n

Le Dr Hanna Meister, \u00e2g\u00e9e de 31 ans, m\u00e9decin stagiaire dans un h\u00f4pital cantonal, 105 000,- de revenu, dipl\u00f4m\u00e9e en 2024, revenu pr\u00e9visible: 180 000,- (exemple et chiffres simplifi\u00e9s)<\/p>\n\n\n\n\n\n\n\n\n\n
Incapacit\u00e9 de gain suite \u00e0 une maladie<\/td>\n\u00c0 court terme (jusqu’\u00e0 la 2\u00e8me ann\u00e9e)<\/td>\n\u00c0 long terme (\u00e0 partir de la 3\u00e8me ann\u00e9e)<\/td>\n<\/tr>\n
Maintien du salaire<\/td>\n84’000<\/td>\n–<\/td>\n<\/tr>\n
Pension d\u2019invalidit\u00e9 PI<\/td>\n–<\/td>\n19’500<\/td>\n<\/tr>\n
Pension d\u2019invalidit\u00e9 (assurance maladie)<\/td>\n–<\/td>\n52’500<\/td>\n<\/tr>\n
Total<\/td>\n84’000<\/td>\n72’000<\/td>\n<\/tr>\n
Couverture en % du revenu actuel<\/td>\n80 %<\/td>\n69 %<\/td>\n<\/tr>\n
Couverture en % du revenu pr\u00e9visible<\/td>\n47 %<\/td>\n40 %<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

 <\/p>\n

L\u2019objectif de s\u00e9curit\u00e9 sociale s\u2019\u00e9l\u00e8ve g\u00e9n\u00e9ralement \u00e0 environ 80-90 % du revenu \u00e0 date. Cet objectif est certes juste atteint par rapport au revenu actuel, mais par rapport \u00e0 l\u2019\u00e9volution de carri\u00e8re, c\u2019est un gouffre b\u00e9ant. Pour permettre aux m\u00e9decins de planifier leurs finances et leur s\u00e9curit\u00e9 sociale d\u00e8s leurs \u00e9tudes et leur stage, il existe des possibilit\u00e9s de couverture priv\u00e9e adapt\u00e9es, comme p. ex. par la Caisse-Maladie des M\u00e9decins Suisses. Ces solutions sp\u00e9ciales permettent de s\u2019assurer d\u2019ores et d\u00e9j\u00e0 des revenus plus \u00e9lev\u00e9s et donc de rendre compte de la sp\u00e9cificit\u00e9 de la carri\u00e8re m\u00e9dicale.<\/p>\n

D\u00e9fi num\u00e9ro 2: L\u2019\u00e9pargne retraite<\/h2>\n

Le but de l\u2019assurance pension est de permettre de vivre le troisi\u00e8me tiers de sa vie comme avant sans souci financier. Quand les revenus sont r\u00e9partis de mani\u00e8re \u00e9gale, on a 45 ans pour atteindre ce but. Cependant, vu que les m\u00e9decins ne gagnent la majeure partie de leur revenu qu\u2019en fin de carri\u00e8re, c\u2019est au cours de cette phase qu\u2019ils doivent \u00e9pargner d\u2019autant plus. En mati\u00e8re de choix d\u2019investissements, leur horizon temporel est r\u00e9duit et les effets de la capitalisation des int\u00e9r\u00eats sont moins marqu\u00e9s. Pour disposer d\u2019un capital suffisant \u00e0 l\u2019\u00e2ge de la retraite, les m\u00e9decins doivent prendre des mesures appropri\u00e9es. Voici ci-dessous quelques r\u00e9flexions dont nous tenons compte lors de nos planifications financi\u00e8res:<\/p>\n\n\n\n\n\n\n\n
\u00c0 combien s\u2019\u00e9l\u00e8ve le capital n\u00e9cessaire et combien faut-il \u00e9pargner pour l\u2019atteindre?<\/td>\n<\/tr>\n
Combien peut-on \u00e9pargner de fa\u00e7on adapt\u00e9e d\u00e8s la premi\u00e8re moiti\u00e9 de sa vie professionnelle pour pouvoir profiter de la capitalisation des int\u00e9r\u00eats?<\/td>\n<\/tr>\n
Comment peut-on garantir le processus d\u2019\u00e9pargne m\u00eame en cas d\u2019incapacit\u00e9 de travail?<\/td>\n<\/tr>\n
Comment optimiser fiscalement son \u00e9pargne pension?<\/td>\n<\/tr>\n
Quelle strat\u00e9gie d\u2019investissement pr\u00e9sente le meilleur rapport b\u00e9n\u00e9fices\/risques?<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Ma\u00eetriser les d\u00e9fis<\/h2>\n

La ma\u00eetrise de ces d\u00e9fis en collaboration avec notre client\u00e8le est notre sp\u00e9cialit\u00e9. Les conseils apport\u00e9s \u00e0 plus de 9 000 clients du secteur m\u00e9dical nous ont permis d\u2019accumuler un grand savoir-faire et de construire un r\u00e9seau. Nous d\u00e9couvrons les lacunes de votre plan de retraite personnel et de votre assurance sociale et nous vous montrons comment les combler.<\/p>\n","protected":false},"excerpt":{"rendered":"

\u00c9tudes de m\u00e9decine, stage, activit\u00e9 en h\u00f4pital, promotion comme chef de service, \u00e9tablissement de son propre cabinet, etc. \u2013 les m\u00e9decins passent par diff\u00e9rentes phases tout au long de leur…<\/p>\n","protected":false},"author":3,"featured_media":8534,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[124,128],"tags":[],"class_list":["post-9544","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-indemnite-journaliere","category-prevoyance"],"acf":[],"yoast_head":"\n\u00c9pargner pendant sa carri\u00e8re de m\u00e9decin, un d\u00e9fi - 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\/epargner-pendant-sa-carriere-de-medecin-un-defi\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u00c9pargner pendant sa carri\u00e8re de m\u00e9decin, un d\u00e9fi\" \/>\n<meta property=\"og:description\" content=\"\u00c9tudes de m\u00e9decine, stage, activit\u00e9 en h\u00f4pital, promotion comme chef de service, \u00e9tablissement de son propre cabinet, etc. \u2013 les m\u00e9decins passent par diff\u00e9rentes phases tout au long de leur...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.rothgygax.ch\/fr\/epargner-pendant-sa-carriere-de-medecin-un-defi\/\" \/>\n<meta property=\"og:site_name\" content=\"rothgygax\" \/>\n<meta property=\"article:published_time\" content=\"2022-05-16T11:40:06+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.rothgygax.ch\/wp-content\/uploads\/2018\/10\/Fotolia_30977559_XL.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"3421\" \/>\n\t<meta property=\"og:image:height\" content=\"2280\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Roger Ledermann\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Roger Ledermann\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.rothgygax.ch\\\/fr\\\/epargner-pendant-sa-carriere-de-medecin-un-defi\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.rothgygax.ch\\\/fr\\\/epargner-pendant-sa-carriere-de-medecin-un-defi\\\/\"},\"author\":{\"name\":\"Roger Ledermann\",\"@id\":\"https:\\\/\\\/www.rothgygax.ch\\\/fr\\\/#\\\/schema\\\/person\\\/09df139e513c6debf849d412486f37f4\"},\"headline\":\"\u00c9pargner pendant sa carri\u00e8re de m\u00e9decin, un d\u00e9fi\",\"datePublished\":\"2022-05-16T11:40:06+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.rothgygax.ch\\\/fr\\\/epargner-pendant-sa-carriere-de-medecin-un-defi\\\/\"},\"wordCount\":844,\"image\":{\"@id\":\"https:\\\/\\\/www.rothgygax.ch\\\/fr\\\/epargner-pendant-sa-carriere-de-medecin-un-defi\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.rothgygax.ch\\\/wp-content\\\/uploads\\\/2018\\\/10\\\/Fotolia_30977559_XL.jpg\",\"articleSection\":[\"Indemnit\u00e9 journali\u00e8re\",\"Pr\u00e9voyance\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.rothgygax.ch\\\/fr\\\/epargner-pendant-sa-carriere-de-medecin-un-defi\\\/\",\"url\":\"https:\\\/\\\/www.rothgygax.ch\\\/fr\\\/epargner-pendant-sa-carriere-de-medecin-un-defi\\\/\",\"name\":\"\u00c9pargner pendant sa carri\u00e8re de m\u00e9decin, un d\u00e9fi - 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