{"id":9936,"date":"2022-11-28T12:04:37","date_gmt":"2022-11-28T12:04:37","guid":{"rendered":"https:\/\/www.rothgygax.ch\/?p=9936"},"modified":"2022-11-15T12:06:01","modified_gmt":"2022-11-15T12:06:01","slug":"risques-en-cas-de-rachats-des-caisses-de-pension","status":"publish","type":"post","link":"https:\/\/www.rothgygax.ch\/fr\/risques-en-cas-de-rachats-des-caisses-de-pension\/","title":{"rendered":"Risques en cas de rachats des caisses de pension"},"content":{"rendered":"<p>De nombreux clients et clientes effectuent en fin d\u2019ann\u00e9e un rachat de caisse de pension afin de pouvoir le d\u00e9duire de leur prochaine d\u00e9claration de revenus. Mais attention: certaines erreurs peuvent engendrer des probl\u00e8mes. Dans le pire des cas, aucune d\u00e9duction d\u2019imp\u00f4t ne peut au final \u00eatre r\u00e9alis\u00e9e. Nous avons dress\u00e9 ci-dessous une liste non-exhaustive des points \u00e0 prendre en compte:<\/p>\n<ul>\n<li>Le paiement a-t-il \u00e9t\u00e9 r\u00e9alis\u00e9 en temps et en heure? L\u2019argent doit parvenir sur le compte de la fondation avant la fin de l\u2019ann\u00e9e. En fonction de la caisse de pension, le d\u00e9lai peut varier.<\/li>\n<li>Est-il encore possible de r\u00e9aliser un rachat? Avant un rachat, de nombreuses fondations demandent un formulaire avec les donn\u00e9es d\u2019autres avoirs LPP, de libre passage et 3a afin de calculer un montant possible de rachat.<\/li>\n<li>\u00c0 partir de quel compte le rachat est-il financ\u00e9? Le rachat doit toujours provenir d\u2019un compte au nom de la personne assur\u00e9e. Certaines fondations rejettent par exemple des rachats provenant du compte du cabinet.<\/li>\n<li>Que se passe-t-il si le d\u00e9lai d\u2019attente n\u2019est pas respect\u00e9 pour les retraits en capital? Si vous recevez l\u2019avoir sous forme de capital dans les trois ann\u00e9es suivantes, le rachat ne pourra pas \u00eatre d\u00e9duit de vos imp\u00f4ts ou une compensation sera de nouveau r\u00e9alis\u00e9e.<\/li>\n<li>Que se passe-t-il avec le rachat en cas de d\u00e9c\u00e8s? Certaines fondations assurent un capital en cas de d\u00e9c\u00e8s pour les rachats de caisses de pension, d\u2019autres se servent du solde pour financer les prestations de survivant.<\/li>\n<\/ul>\n<p>Nous vous recommandons de nous contacter avant un rachat afin que nous puissions vous conseiller de mani\u00e8re personnalis\u00e9e.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>De nombreux clients et clientes effectuent en fin d\u2019ann\u00e9e un rachat de caisse de pension afin de pouvoir le d\u00e9duire de leur prochaine d\u00e9claration de revenus. Mais attention: certaines erreurs&#8230;<\/p>\n","protected":false},"author":3,"featured_media":8673,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[129,130],"tags":[],"class_list":["post-9936","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lpp","category-planification-financiere"],"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>Risques en cas de rachats des caisses de pension - 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\/risques-en-cas-de-rachats-des-caisses-de-pension\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Risques en cas de rachats des caisses de pension\" \/>\n<meta property=\"og:description\" content=\"De nombreux clients et clientes effectuent en fin d\u2019ann\u00e9e un rachat de caisse de pension afin de pouvoir le d\u00e9duire de leur prochaine d\u00e9claration de revenus. 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