{"id":3596,"date":"2021-08-01T15:31:59","date_gmt":"2021-08-01T13:31:59","guid":{"rendered":"https:\/\/projects.atxeit.ch\/syndicom\/?post_type=article&p=3596"},"modified":"2025-07-29T11:16:23","modified_gmt":"2025-07-29T09:16:23","slug":"decouvert-caisse-de-pension","status":"publish","type":"article","link":"https:\/\/syndicom.ch\/fr\/article-guide\/decouvert-caisse-de-pension\/","title":{"rendered":"D\u00e9couvert de la caisse de pension"},"content":{"rendered":"\n
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J\u2019ai un nouvel emploi et viens de recevoir mon nouveau certificat de pension de ma caisse actuelle. Elle affiche un d\u00e9couvert que je dois combler par des cotisations plus \u00e9lev\u00e9es. Puis-je m\u2019y opposer ? En fin de compte, il s\u2019agit de mon argent, et je dois payer les cotisations. En outre, la rente AVS ne suffit pas \u00e0 couvrir les co\u00fbts de la vie. Et il est peu probable que cette situation change lors de la prochaine r\u00e9vision.<\/p>\n<\/div>\n<\/div>\n\n\n\n

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Je peux rien faire contre un d\u00e9couvert de ma caisse de pension ?<\/strong><\/strong><\/h3>\n\n\n\n

En principe, non. Mais en cas de d\u00e9couvert, l\u2019employeur n\u2019a en g\u00e9n\u00e9ral aucun int\u00e9r\u00eat \u00e0 rester affili\u00e9 \u00e0 la caisse de pension, car il doit payer au moins la moiti\u00e9 des cotisations plus \u00e9lev\u00e9es. <\/p>\n\n\n\n

Si l\u2019employeur d\u00e9cide de changer d\u2019institution de pr\u00e9voyance, il ne peut le faire qu\u2019apr\u00e8s entente avec son personnel ou avec une repr\u00e9sentation des travailleurs<\/a> (art. 11 al. 3bis de la loi sur la pr\u00e9voyance professionnelle [LPP] et art. 10 de la loi sur la participation). En revanche, le choix de la caisse de pension incombe \u00e0 l\u2019employeur.<\/p>\n\n\n\n

N\u2019y a-t-il pas des autorit\u00e9s de surveillance ou des prescriptions en place pour contr\u00f4ler que la caisse n\u2019investisse pas \u00e0 mauvais escient le capital important dont elle dispose ? Je songe \u00e0 me mettre \u00e0 mon compte. Puis-je m\u2019affilier \u00e0 une caisse de pension \u00e0 titre individuel, et comment dois-je m\u2019y prendre ?<\/strong><\/h3>\n\n\n\n

Oui, il existe des autorit\u00e9s de surveillance cantonales et des dispositions l\u00e9gales qui r\u00e9gissent la mani\u00e8re dont les caisses de pension peuvent placer leur argent. L\u2019accent est mis sur les strat\u00e9gies d\u2019investissement s\u00fbres. Seule une petite partie peut \u00eatre investie dans des placements plus risqu\u00e9s. Les prescriptions ne s\u2019appliquent toutefois qu\u2019\u00e0 la partie obligatoire, et non \u00e0 la partie surobligatoire. <\/p>\n\n\n\n

Par ailleurs, les employ\u00e9-es disposent d\u2019un droit de participation en mati\u00e8re de strat\u00e9gies de placement. Conform\u00e9ment \u00e0 la LPP, les employ\u00e9-es et l\u2019employeur \u00e9lisent un nombre \u00e9gal de repr\u00e9sentant-es \u00e0 l\u2019organe supr\u00eame de la caisse de pension. Il fixe notamment les objectifs et les principes de gestion de la fortune ainsi que la mise en \u0153uvre et la surveillance du processus de placement.<\/p>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Que faire si ma caisse de pension a un d\u00e9couvert ?<\/p>\n","protected":false},"featured_media":0,"template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","footnotes":""},"article-category":[305],"class_list":["post-3596","article","type-article","status-publish","hentry","article-category-assurance-sociale"],"acf":[],"yoast_head":"\nD\u00e9couvert de la caisse de pension - syndicom<\/title>\n<meta name=\"description\" content=\"Je peux rien faire contre un d\u00e9couvert dans ma caisse de pension ? 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