{"id":63407,"date":"2026-06-03T17:57:26","date_gmt":"2026-06-03T15:57:26","guid":{"rendered":"https:\/\/syndicom.ch\/?page_id=63407"},"modified":"2026-06-11T15:57:41","modified_gmt":"2026-06-11T13:57:41","slug":"complan-caisse-de-pension-de-swisscom","status":"publish","type":"page","link":"https:\/\/syndicom.ch\/fr\/complan-caisse-de-pension-de-swisscom\/","title":{"rendered":"comPlan: caisse de pension de Swisscom"},"content":{"rendered":"\n<div class=\"wp-block-group alignfull has-primary-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group is-style-narrow is-layout-constrained wp-block-group-is-layout-constrained\">\n<h1 class=\"wp-block-heading has-background-color has-text-color has-link-color wp-elements-f81b4e5330f076425952ed8b335e4f05\">comPlan: Tout ce que tu dois savoir sur la caisse de pension de Swisscom<\/h1>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-fe72eea7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<p class=\"is-style-lead has-background-color has-text-color has-link-color wp-elements-17797dab39b0457bf231ab600bfb5ab1 wp-block-paragraph\">Si tu travailles chez Swisscom ou dans l\u2019une de ses filiales, tu es assur\u00e9-e aupr\u00e8s de la caisse de pension comPlan. syndicom est repr\u00e9sent\u00e9 au conseil de fondation, l\u2019organe supr\u00eame de comPlan, et d\u00e9fend tes int\u00e9r\u00eats avec succ\u00e8s depuis de nombreuses ann\u00e9es.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<div class=\"wp-block-group is-vertical is-nowrap is-layout-flex wp-container-core-group-is-layout-fa1b69be wp-block-group-is-layout-flex\">\n<p class=\"wp-block-paragraph\"><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-background-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group is-style-narrow is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\"><strong>Le but de comPlan<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">comPlan est ta caisse de pension si tu travailles chez Swisscom ou dans l\u2019une de ses filiales.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La caisse de pension t\u2019assure contre les cons\u00e9quences \u00e9conomiques de la vieillesse, du d\u00e9c\u00e8s et de l\u2019invalidit\u00e9. Elle a pour but d\u2019assurer la pr\u00e9voyance professionnelle obligatoire et surobligatoire (2<sup>e<\/sup> pilier de la pr\u00e9voyance vieillesse). Il s\u2019agit donc d\u2019une assurance sociale, qui doit te garantir, avec l\u2019AVS, une bonne rente \u00e0 la retraite.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Quelles sont les t\u00e2ches du conseil de fondation?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Le conseil de fondation<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"is-style-check\">fixe les objectifs de prestations de la caisse de pension<\/li>\n\n\n\n<li class=\"is-style-check\">d\u00e9termine le taux de conversion<\/li>\n\n\n\n<li class=\"is-style-check\">d\u00e9finit la strat\u00e9gie de placement<\/li>\n\n\n\n<li class=\"is-style-check\">r\u00e8gle la gestion op\u00e9rationnelle<\/li>\n\n\n\n<li class=\"is-style-check\">d\u00e9cide de la r\u00e9mun\u00e9ration annuelle des avoirs des personnes assur\u00e9es actives<\/li>\n\n\n\n<li class=\"is-style-check\">statue \u00e9galement sur l\u2019utilisation des fonds libres<\/li>\n\n\n\n<li class=\"is-style-check\">d\u00e9cide d\u2019une \u00e9ventuelle participation des retrait\u00e9-es.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">syndicom est la partenaire sociale de Swisscom. Le partenariat social repose sur trois piliers:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Nous n\u00e9gocions la convention collective de travail (CCT).<\/li>\n\n\n\n<li>Nous n\u00e9gocions le plan social (qui s\u2019applique en cas de licenciements pour des raisons \u00e9conomiques).<\/li>\n\n\n\n<li>Nous si\u00e9geons au conseil de fondation de comPlan, l\u2019organe supr\u00eame de la caisse de pension.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Nous veillons \u00e0 ce que la voix des collaborateur-trice-s soit forte au sein du conseil de fondation.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>La pr\u00e9sence du syndicat au sein du conseil de fondation<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Nous participons aux d\u00e9cisions suivantes du conseil de fondation:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"is-style-check\"><strong>Grille de r\u00e9mun\u00e9ration: <\/strong>selon quels crit\u00e8res et \u00e0 quel niveau les avoirs de vieillesse sont-ils r\u00e9mun\u00e9r\u00e9s?<\/li>\n\n\n\n<li class=\"is-style-check\"><strong>Grille de participation:<\/strong> comment les retrait\u00e9-es peuvent-ils b\u00e9n\u00e9ficier de versements uniques et de compensations du rench\u00e9rissement?<\/li>\n\n\n\n<li class=\"is-style-check\"><strong>Grille de assainissement: <\/strong>comment le taux de couverture peut-il \u00eatre maintenu?<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Tu n\u2019y comprends rien? <a href=\"#glossaire\" type=\"internal\" id=\"#glossaire\">Consulte notre glossaire.<\/a><\/strong><\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-tertiary-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group is-style-narrow is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\"><strong>Ta participation aux d\u00e9cisions chez comPlan<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">En septembre 2026 auront lieu les \u00e9lections du conseil de fondation de comPlan. Tu peux \u00e9lire toi-m\u00eame la moiti\u00e9 du conseil de fondation, c\u2019est-\u00e0-dire les repr\u00e9sentant-es des salari\u00e9-es.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><a href=\"https:\/\/syndicom.ch\/fr\/complan-elections-2026\/\" type=\"page\" id=\"63400\" target=\"_blank\" rel=\"noreferrer noopener\">D\u00e9couvrir nos candidat-es.<\/a><\/strong><\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-background-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group is-style-narrow is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 id=\"glossaire\" class=\"wp-block-heading\"><strong><strong>Glossaire sur la pr\u00e9voyance professionnelle (2<sup>\u00e8me<\/sup> pilier)<\/strong><\/strong><\/h2>\n\n\n\n<div class=\"wp-block-group is-style-default is-content-justification-center is-nowrap is-layout-flex wp-container-core-group-is-layout-ad3c5208 wp-block-group-is-layout-flex\">\n<p class=\"wp-block-paragraph\"><strong><a href=\"#Avoir-de-vieillesse\" type=\"internal\" id=\"#Avoir-de-vieillesse\">A<\/a><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><a href=\"#Caisse-de-pension\" type=\"internal\" id=\"#Caisse-de-pension\">C<\/a><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><a href=\"#Deduction-de-coordination\" type=\"internal\" id=\"#Deduction-de-coordination\">D<\/a><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><a href=\"#ESG\" type=\"internal\" id=\"#ESG\">E<\/a><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"#Fonds-libres\" type=\"internal\" id=\"#Fonds-libres\"><strong>F<\/strong><\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><a href=\"#Gain-assure\" type=\"internal\" id=\"#Gain-assure\">G<\/a><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><a href=\"#Part-surobligatoire\" type=\"internal\" id=\"#Part-surobligatoire\">P<\/a><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><a href=\"#Remuneration\" type=\"internal\" id=\"#Remuneration\">R<\/a><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><a href=\"#Taux\" type=\"internal\" id=\"#Taux\">T<\/a><\/strong><\/p>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div class=\"wp-block-group is-style-narrow is-layout-constrained wp-block-group-is-layout-constrained\">\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div class=\"wp-block-columns is-style-accordion has-background-background-color has-background is-layout-flex wp-container-core-columns-is-layout-fe72eea7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column has-background-background-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<h3 id=\"Avoir-de-vieillesse\" class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-1bb74b722e2c02d3d68c157ca213f3ea\"><strong><strong>Avoir de vieillesse<\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"is-style-default wp-block-paragraph\">L\u2019avoir de vieillesse est le capital de pr\u00e9voyance \u00e9pargn\u00e9 par une personne assur\u00e9e. Il augmente gr\u00e2ce aux cotisations des travailleur-euses et de l\u2019employeur ainsi que gr\u00e2ce au taux d\u2019int\u00e9r\u00eat.<\/p>\n\n\n\n<div class=\"wp-block-group is-style-default is-nowrap is-layout-flex wp-container-core-group-is-layout-fe72eea7 wp-block-group-is-layout-flex\"><div class=\"wp-block-icon\"><svg aria-hidden=\"true\" class=\"has-text-color has-primary-color\" focusable=\"false\" style=\"color:var(--wp--preset--color--primary);width:100px;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\">\n\t<path fill-rule=\"evenodd\" d=\"M5.5 12a6.5 6.5 0 1 0 13 0 6.5 6.5 0 0 0-13 0ZM12 4a8 8 0 1 0 0 16 8 8 0 0 0 0-16Zm.75 4v1.5h-1.5V8h1.5Zm0 8v-5h-1.5v5h1.5Z\" \/>\n<\/svg>\n<\/div>\n\n\n<p class=\"has-foreground-color has-text-color has-link-color wp-elements-ef2ac0b5ec75d132b0a4a23dd0aa4e32 wp-block-paragraph\"><strong>Pourquoi c\u2019est important\u00a0:<\/strong> au sein du groupe Swisscom, l\u2019employeur paie environ 60\u00a0% des cotisations, les collaborateur-trices environ 40\u00a0%. Cela a \u00e9t\u00e9 n\u00e9goci\u00e9 par les partenaires sociaux et ce n\u2019est pas une chose qui va de soi.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div class=\"wp-block-columns is-style-accordion has-background-background-color has-background is-layout-flex wp-container-core-columns-is-layout-fe72eea7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column has-background-background-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-65a8542acd6b5ff40c416f4b8b9db612\"><strong><strong><strong>Assainissement<\/strong><\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"is-style-default wp-block-paragraph\">Si une caisse de pension se retrouve en position de d\u00e9couvert significatif, des mesures d\u2019assainissement peuvent s\u2019av\u00e9rer n\u00e9cessaires. Elles incluent par exemple un taux d\u2019int\u00e9r\u00eat moins \u00e9lev\u00e9, des cotisations suppl\u00e9mentaires ou des contributions de l\u2019employeur.<\/p>\n\n\n\n<div class=\"wp-block-group is-style-default is-nowrap is-layout-flex wp-container-core-group-is-layout-fe72eea7 wp-block-group-is-layout-flex\"><div class=\"wp-block-icon\"><svg aria-hidden=\"true\" class=\"has-text-color has-primary-color\" focusable=\"false\" style=\"color:var(--wp--preset--color--primary);width:100px;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\">\n\t<path fill-rule=\"evenodd\" d=\"M5.5 12a6.5 6.5 0 1 0 13 0 6.5 6.5 0 0 0-13 0ZM12 4a8 8 0 1 0 0 16 8 8 0 0 0 0-16Zm.75 4v1.5h-1.5V8h1.5Zm0 8v-5h-1.5v5h1.5Z\" \/>\n<\/svg>\n<\/div>\n\n\n<p class=\"has-foreground-color has-text-color has-link-color wp-elements-28f116c9444ebff19bf8c2844defea3c wp-block-paragraph\"><strong>Pourquoi c\u2019est important\u00a0:<\/strong> la question de savoir qui supporte le poids d\u2019un assainissement est une question centrale en mati\u00e8re d\u2019\u00e9quit\u00e9 et de partenariat social.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div class=\"wp-block-columns is-style-accordion has-background-background-color has-background is-layout-flex wp-container-core-columns-is-layout-fe72eea7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column has-background-background-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<h3 id=\"Caisse-de-pension\" class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-5831861552411368dd2a967245d521dc\"><strong><strong><strong><strong>Caisse de pension<\/strong><\/strong><\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"is-style-default wp-block-paragraph\">La caisse de pension organise la pr\u00e9voyance professionnelle. Elle administre les cotisations, investit les fonds de pr\u00e9voyance et verse des prestations de retraite, d\u2019invalidit\u00e9 et de d\u00e9c\u00e8s.<\/p>\n\n\n\n<div class=\"wp-block-group is-style-default is-nowrap is-layout-flex wp-container-core-group-is-layout-fe72eea7 wp-block-group-is-layout-flex\"><div class=\"wp-block-icon\"><svg aria-hidden=\"true\" class=\"has-text-color has-primary-color\" focusable=\"false\" style=\"color:var(--wp--preset--color--primary);width:100px;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\">\n\t<path fill-rule=\"evenodd\" d=\"M5.5 12a6.5 6.5 0 1 0 13 0 6.5 6.5 0 0 0-13 0ZM12 4a8 8 0 1 0 0 16 8 8 0 0 0 0-16Zm.75 4v1.5h-1.5V8h1.5Zm0 8v-5h-1.5v5h1.5Z\" \/>\n<\/svg>\n<\/div>\n\n\n<p class=\"has-foreground-color has-text-color has-link-color wp-elements-4926b6965505b0f4a9c0dfa94165b36c wp-block-paragraph\"><strong>Pourquoi c\u2019est important\u00a0:<\/strong> l\u2019AVS est un acquis des syndicats. L\u2019actuel syst\u00e8me des caisses de pension est une conqu\u00eate du partenariat social et du mod\u00e8le de compromis suisse. Sans caisses de pension, la pauvret\u00e9 touchant les personnes \u00e2g\u00e9es serait largement r\u00e9pandue (comme \u00e0 l\u2019\u00e9poque de nos arri\u00e8re-grands-parents).<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div class=\"wp-block-columns is-style-accordion has-background-background-color has-background is-layout-flex wp-container-core-columns-is-layout-fe72eea7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column has-background-background-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-bb0cde57d1ad59c32acbde98c3d6aea2\"><strong><strong><strong><strong><strong>Conseil de fondation<\/strong><\/strong><\/strong><\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"is-style-default wp-block-paragraph\">Le Conseil de fondation est l\u2019organe supr\u00eame d\u2019une caisse de pension. Il d\u00e9cide de questions centrales comme les prestations, le financement, la strat\u00e9gie de placement ou les r\u00e8glements. Les repr\u00e9sentations de travailleur-euses jouent un r\u00f4le important, car la gestion paritaire est ancr\u00e9e dans la loi.<\/p>\n\n\n\n<div class=\"wp-block-group is-style-default is-nowrap is-layout-flex wp-container-core-group-is-layout-fe72eea7 wp-block-group-is-layout-flex\"><div class=\"wp-block-icon\"><svg aria-hidden=\"true\" class=\"has-text-color has-primary-color\" focusable=\"false\" style=\"color:var(--wp--preset--color--primary);width:100px;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\">\n\t<path fill-rule=\"evenodd\" d=\"M5.5 12a6.5 6.5 0 1 0 13 0 6.5 6.5 0 0 0-13 0ZM12 4a8 8 0 1 0 0 16 8 8 0 0 0 0-16Zm.75 4v1.5h-1.5V8h1.5Zm0 8v-5h-1.5v5h1.5Z\" \/>\n<\/svg>\n<\/div>\n\n\n<p class=\"has-foreground-color has-text-color has-link-color wp-elements-7c1a73b699a1b532b34253126f44d40a wp-block-paragraph\"><strong>Pourquoi c\u2019est important\u00a0:<\/strong> les \u00e9lections au Conseil de fondation influencent de mani\u00e8re directe l\u2019avenir de la caisse de pension et de ses assur\u00e9s.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div class=\"wp-block-columns is-style-accordion has-background-background-color has-background is-layout-flex wp-container-core-columns-is-layout-fe72eea7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column has-background-background-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<h3 id=\"Deduction-de-coordination\" class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-8669f9be711380a1aa45aafb2b452d63\"><strong><strong><strong><strong><strong><strong>D\u00e9duction de coordination<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"is-style-default wp-block-paragraph\">La d\u00e9duction de coordination prend en consid\u00e9ration les prestations de l\u2019AVS et r\u00e9duit le salaire assur\u00e9 dans le 2<sup>\u00e8me<\/sup> pilier. La d\u00e9duction de coordination d\u00e9savantage les travailleur-euses avec de bas revenus et les employ\u00e9-es \u00e0 temps partiel, car leur salaire assur\u00e9 s\u2019en trouve limit\u00e9 de mani\u00e8re disproportionn\u00e9e.<\/p>\n\n\n\n<div class=\"wp-block-group is-style-default is-nowrap is-layout-flex wp-container-core-group-is-layout-fe72eea7 wp-block-group-is-layout-flex\"><div class=\"wp-block-icon\"><svg aria-hidden=\"true\" class=\"has-text-color has-primary-color\" focusable=\"false\" style=\"color:var(--wp--preset--color--primary);width:100px;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\">\n\t<path fill-rule=\"evenodd\" d=\"M5.5 12a6.5 6.5 0 1 0 13 0 6.5 6.5 0 0 0-13 0ZM12 4a8 8 0 1 0 0 16 8 8 0 0 0 0-16Zm.75 4v1.5h-1.5V8h1.5Zm0 8v-5h-1.5v5h1.5Z\" \/>\n<\/svg>\n<\/div>\n\n\n<p class=\"has-foreground-color has-text-color has-link-color wp-elements-f611fe022c39d3e00c52ae330c5b2e34 wp-block-paragraph\"><strong>Pourquoi c\u2019est important\u00a0:<\/strong> comPlan renonce \u00e0 la d\u00e9duction de coordination, ce qui entra\u00eene des prestations plus \u00e9lev\u00e9es pour toutes les personnes assur\u00e9es.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div class=\"wp-block-columns is-style-accordion has-background-background-color has-background is-layout-flex wp-container-core-columns-is-layout-fe72eea7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column has-background-background-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-7ef797d3e952a358846c3c63e0a58359\"><strong><strong><strong><strong><strong><strong><strong>Degr\u00e9 de couverture<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"is-style-default wp-block-paragraph\">Le degr\u00e9 de couverture exprime le rapport entre la fortune disponible d\u2019une caisse de pension et ses engagements. Un degr\u00e9 de couverture de 100 % signifie que la caisse dispose techniquement de suffisamment de ressources pour honorer ses engagements<\/p>\n\n\n\n<div class=\"wp-block-group is-style-default is-nowrap is-layout-flex wp-container-core-group-is-layout-fe72eea7 wp-block-group-is-layout-flex\"><div class=\"wp-block-icon\"><svg aria-hidden=\"true\" class=\"has-text-color has-primary-color\" focusable=\"false\" style=\"color:var(--wp--preset--color--primary);width:100px;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\">\n\t<path fill-rule=\"evenodd\" d=\"M5.5 12a6.5 6.5 0 1 0 13 0 6.5 6.5 0 0 0-13 0ZM12 4a8 8 0 1 0 0 16 8 8 0 0 0 0-16Zm.75 4v1.5h-1.5V8h1.5Zm0 8v-5h-1.5v5h1.5Z\" \/>\n<\/svg>\n<\/div>\n\n\n<p class=\"has-foreground-color has-text-color has-link-color wp-elements-42efe4cc55eca04f5d28c55364177544 wp-block-paragraph\"><strong>Pourquoi c\u2019est important\u00a0:<\/strong> le taux de couverture influence la marge de man\u0153uvre pour les prestations et pour la r\u00e9mun\u00e9ration des avoirs de vieillesse.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div class=\"wp-block-columns is-style-accordion has-background-background-color has-background is-layout-flex wp-container-core-columns-is-layout-fe72eea7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column has-background-background-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<h3 id=\"ESG\" class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-371ec9b77561ab36fd6b52d7f6571697\"><strong><strong><strong><strong><strong><strong><strong><strong>ESG \/ Impact ESG<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"is-style-default wp-block-paragraph\">ESG est l\u2019acronyme de environnement (Environmental), social (Social) et bonne gestion d\u2019entreprise, resp. bonne gouvernance (Governance). Ce qui compte de plus en plus, ce n\u2019est pas seulement <em>comment<\/em> les investissements se r\u00e9alisent, mais aussi l\u2019impact r\u00e9el des placements \u2013 par exemple en mati\u00e8re de climat, de droits humains ou de conditions de travail.<\/p>\n\n\n\n<div class=\"wp-block-group is-style-default is-nowrap is-layout-flex wp-container-core-group-is-layout-fe72eea7 wp-block-group-is-layout-flex\"><div class=\"wp-block-icon\"><svg aria-hidden=\"true\" class=\"has-text-color has-primary-color\" focusable=\"false\" style=\"color:var(--wp--preset--color--primary);width:100px;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\">\n\t<path fill-rule=\"evenodd\" d=\"M5.5 12a6.5 6.5 0 1 0 13 0 6.5 6.5 0 0 0-13 0ZM12 4a8 8 0 1 0 0 16 8 8 0 0 0 0-16Zm.75 4v1.5h-1.5V8h1.5Zm0 8v-5h-1.5v5h1.5Z\" \/>\n<\/svg>\n<\/div>\n\n\n<p class=\"has-foreground-color has-text-color has-link-color wp-elements-983c0524411d31d97f10c9d5f456ce74 wp-block-paragraph\"><strong>Pourquoi c\u2019est important\u00a0:<\/strong> la fortune des caisses de pension en Suisse s\u2019\u00e9l\u00e8ve \u00e0 environ 1\u00a0200 milliards de francs. Ce capital ne doit pas causer de dommages. Mais il s\u2019agit d\u2019assumer notre responsabilit\u00e9 pour la protection du climat et la pr\u00e9servation des droits humains.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div class=\"wp-block-columns is-style-accordion has-background-background-color has-background is-layout-flex wp-container-core-columns-is-layout-fe72eea7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column has-background-background-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<h3 id=\"Fonds-libres\" class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-196acab5ae8a97debf12d56b7c972bda\"><strong><strong><strong><strong><strong><strong><strong><strong><strong>Fonds libres<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"is-style-default wp-block-paragraph\">Il existe des fonds libres lorsqu\u2019il reste un exc\u00e9dent de fortune de pr\u00e9voyance apr\u00e8s que les engagements actuariels ont \u00e9t\u00e9 enti\u00e8rement couverts et que les r\u00e9serves n\u00e9cessaires ont \u00e9t\u00e9 constitu\u00e9es (notamment la r\u00e9serve de fluctuation de valeur).<\/p>\n\n\n\n<div class=\"wp-block-group is-style-default is-nowrap is-layout-flex wp-container-core-group-is-layout-fe72eea7 wp-block-group-is-layout-flex\"><div class=\"wp-block-icon\"><svg aria-hidden=\"true\" class=\"has-text-color has-primary-color\" focusable=\"false\" style=\"color:var(--wp--preset--color--primary);width:100px;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\">\n\t<path fill-rule=\"evenodd\" d=\"M5.5 12a6.5 6.5 0 1 0 13 0 6.5 6.5 0 0 0-13 0ZM12 4a8 8 0 1 0 0 16 8 8 0 0 0 0-16Zm.75 4v1.5h-1.5V8h1.5Zm0 8v-5h-1.5v5h1.5Z\" \/>\n<\/svg>\n<\/div>\n\n\n<p class=\"has-foreground-color has-text-color has-link-color wp-elements-7ca4acf283ee52c1ef1c0dc657c68a99 wp-block-paragraph\"><strong>Pourquoi c\u2019est important\u00a0:<\/strong> si le seuil des fonds libres est atteint, les personnes retrait\u00e9es peuvent par exemple elles aussi participer au r\u00e9sultat de comPlan (avec une \u00e9ventuelle compensation du rench\u00e9rissement).<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div class=\"wp-block-columns is-style-accordion has-background-background-color has-background is-layout-flex wp-container-core-columns-is-layout-fe72eea7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column has-background-background-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<h3 id=\"Gain-assure\" class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-895d1cf46e259166ef1ef3531c219171\"><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong>Gain assur\u00e9<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"is-style-default wp-block-paragraph\">Le gain assur\u00e9 est la part du revenu, qui est assur\u00e9e dans la caisse de pension. Les cotisations et les prestations futures d\u00e9pendent de lui.<\/p>\n\n\n\n<div class=\"wp-block-group is-style-default is-nowrap is-layout-flex wp-container-core-group-is-layout-fe72eea7 wp-block-group-is-layout-flex\"><div class=\"wp-block-icon\"><svg aria-hidden=\"true\" class=\"has-text-color has-primary-color\" focusable=\"false\" style=\"color:var(--wp--preset--color--primary);width:100px;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\">\n\t<path fill-rule=\"evenodd\" d=\"M5.5 12a6.5 6.5 0 1 0 13 0 6.5 6.5 0 0 0-13 0ZM12 4a8 8 0 1 0 0 16 8 8 0 0 0 0-16Zm.75 4v1.5h-1.5V8h1.5Zm0 8v-5h-1.5v5h1.5Z\" \/>\n<\/svg>\n<\/div>\n\n\n<p class=\"has-foreground-color has-text-color has-link-color wp-elements-3fa0d9e730871b1ad3083a92ff4f916d wp-block-paragraph\"><strong>Pourquoi c\u2019est important\u00a0:<\/strong> dans le partenariat social avec Swisscom, syndicom s\u2019engage toujours pour des augmentations de salaire assur\u00e9es lors des n\u00e9gociations salariales annuelles, pas pour des versements uniques.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div class=\"wp-block-columns is-style-accordion has-background-background-color has-background is-layout-flex wp-container-core-columns-is-layout-fe72eea7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column has-background-background-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<h3 id=\"Part-surobligatoire\" class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-8692acabb7481ba0c7d85f140953c3b7\"><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong>Part surobligatoire<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"is-style-default wp-block-paragraph\">On appelle part surobligatoire les prestations qui vont au-del\u00e0 des prestations minimales l\u00e9gales pr\u00e9vues par la LPP. Chez comPlan, par exemple, m\u00eame les meilleurs salaires sont assur\u00e9s dans leur int\u00e9gralit\u00e9.<\/p>\n\n\n\n<div class=\"wp-block-group is-style-default is-nowrap is-layout-flex wp-container-core-group-is-layout-fe72eea7 wp-block-group-is-layout-flex\"><div class=\"wp-block-icon\"><svg aria-hidden=\"true\" class=\"has-text-color has-primary-color\" focusable=\"false\" style=\"color:var(--wp--preset--color--primary);width:100px;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\">\n\t<path fill-rule=\"evenodd\" d=\"M5.5 12a6.5 6.5 0 1 0 13 0 6.5 6.5 0 0 0-13 0ZM12 4a8 8 0 1 0 0 16 8 8 0 0 0 0-16Zm.75 4v1.5h-1.5V8h1.5Zm0 8v-5h-1.5v5h1.5Z\" \/>\n<\/svg>\n<\/div>\n\n\n<p class=\"has-foreground-color has-text-color has-link-color wp-elements-8fc4e69c2fe349b70fd2ac77c892936a wp-block-paragraph\"><strong>Pourquoi c\u2019est important\u00a0:<\/strong> si les cadres avec de tr\u00e8s bons salaires sont enti\u00e8rement assur\u00e9s chez comPlan, cela renforce leur loyaut\u00e9 envers la caisse de pension de Swisscom.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div class=\"wp-block-columns is-style-accordion has-background-background-color has-background is-layout-flex wp-container-core-columns-is-layout-fe72eea7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column has-background-background-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-7a352fd14f73df48783cd50a07b16034\"><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong>Partenariat social<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"is-style-default wp-block-paragraph\">Le partenariat social signifie que travailleur-euses et employeurs r\u00e8glent ensemble les questions importantes. Du c\u00f4t\u00e9 de la pr\u00e9voyance professionnelle, cela se refl\u00e8te entre autres dans la composition paritaire du Conseil de fondation et au niveau de la repr\u00e9sentation syndicale au sein du Conseil de fondation. Celles-ci constituent le fondement de la gestion paritaire de la caisse de pension.<\/p>\n\n\n\n<div class=\"wp-block-group is-style-default is-nowrap is-layout-flex wp-container-core-group-is-layout-fe72eea7 wp-block-group-is-layout-flex\"><div class=\"wp-block-icon\"><svg aria-hidden=\"true\" class=\"has-text-color has-primary-color\" focusable=\"false\" style=\"color:var(--wp--preset--color--primary);width:100px;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\">\n\t<path fill-rule=\"evenodd\" d=\"M5.5 12a6.5 6.5 0 1 0 13 0 6.5 6.5 0 0 0-13 0ZM12 4a8 8 0 1 0 0 16 8 8 0 0 0 0-16Zm.75 4v1.5h-1.5V8h1.5Zm0 8v-5h-1.5v5h1.5Z\" \/>\n<\/svg>\n<\/div>\n\n\n<p class=\"has-foreground-color has-text-color has-link-color wp-elements-04e1d4c58b9a84497519b3051a8c9b98 wp-block-paragraph\"><strong>Pourquoi c\u2019est important\u00a0:<\/strong> Swisscom veut rapetisser la taille du Conseil de fondation et r\u00e9duire la repr\u00e9sentation syndicale de deux personnes \u00e0 une seule. Cela pourrait compromettre les acquis syndicaux comme la rente transitoire, aux seules fins que Swisscom puisse diminuer ses co\u00fbts.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div class=\"wp-block-columns is-style-accordion has-background-background-color has-background is-layout-flex wp-container-core-columns-is-layout-fe72eea7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column has-background-background-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-dd116e809d6fcff266654e481f935aff\"><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong>Placements de capitaux<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"is-style-default wp-block-paragraph\">Les caisses de pension investissent la fortune de pr\u00e9voyance de mani\u00e8re diversifi\u00e9e, par ex. dans des actions, dans des obligations et dans des fondations immobili\u00e8res. L\u2019objectif consiste \u00e0 r\u00e9aliser des rendements \u00e0 long terme en prenant des risques acceptables.<\/p>\n\n\n\n<div class=\"wp-block-group is-style-default is-nowrap is-layout-flex wp-container-core-group-is-layout-fe72eea7 wp-block-group-is-layout-flex\"><div class=\"wp-block-icon\"><svg aria-hidden=\"true\" class=\"has-text-color has-primary-color\" focusable=\"false\" style=\"color:var(--wp--preset--color--primary);width:100px;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\">\n\t<path fill-rule=\"evenodd\" d=\"M5.5 12a6.5 6.5 0 1 0 13 0 6.5 6.5 0 0 0-13 0ZM12 4a8 8 0 1 0 0 16 8 8 0 0 0 0-16Zm.75 4v1.5h-1.5V8h1.5Zm0 8v-5h-1.5v5h1.5Z\" \/>\n<\/svg>\n<\/div>\n\n\n<p class=\"has-foreground-color has-text-color has-link-color wp-elements-97713d44fb13cf32573681dc87876d10 wp-block-paragraph\"><strong>Pourquoi c\u2019est important\u00a0:<\/strong> les d\u00e9cisions en mati\u00e8re de placement influencent le rendement, les co\u00fbts, la durabilit\u00e9 et enfin les prestations.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div class=\"wp-block-columns is-style-accordion has-background-background-color has-background is-layout-flex wp-container-core-columns-is-layout-fe72eea7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column has-background-background-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-9300f6d9195e01aa81d3ff2b9456fcaf\"><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong>Prestations de d\u00e9c\u00e8s<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"is-style-default wp-block-paragraph\">Les prestations de d\u00e9c\u00e8s sont des prestations vers\u00e9es aux survivants, par ex. aux conjoints, aux partenaires enregistr\u00e9s ou \u00e0 d\u2019autres b\u00e9n\u00e9ficiaires.<\/p>\n\n\n\n<div class=\"wp-block-group is-style-default is-nowrap is-layout-flex wp-container-core-group-is-layout-fe72eea7 wp-block-group-is-layout-flex\"><div class=\"wp-block-icon\"><svg aria-hidden=\"true\" class=\"has-text-color has-primary-color\" focusable=\"false\" style=\"color:var(--wp--preset--color--primary);width:100px;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\">\n\t<path fill-rule=\"evenodd\" d=\"M5.5 12a6.5 6.5 0 1 0 13 0 6.5 6.5 0 0 0-13 0ZM12 4a8 8 0 1 0 0 16 8 8 0 0 0 0-16Zm.75 4v1.5h-1.5V8h1.5Zm0 8v-5h-1.5v5h1.5Z\" \/>\n<\/svg>\n<\/div>\n\n\n<p class=\"has-foreground-color has-text-color has-link-color wp-elements-84e07ab16263315aa1a70f7c3a8df7d4 wp-block-paragraph\"><strong>Pourquoi c\u2019est important\u00a0:<\/strong> sans prestations de d\u00e9c\u00e8s, la menace de d\u00e9classement social et d\u2019appauvrissement p\u00e8se sur les survivants.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div class=\"wp-block-columns is-style-accordion has-background-background-color has-background is-layout-flex wp-container-core-columns-is-layout-fe72eea7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column has-background-background-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-f26b069a6b3d676790722efbacbfd54c\"><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong>Pr\u00e9voyance vieillesse<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"is-style-default wp-block-paragraph\">La pr\u00e9voyance vieillesse en Suisse repose sur trois piliers. L\u2019AVS forme le 1<sup>er<\/sup> pilier et doit assurer le minimum vital. La pr\u00e9voyance professionnelle (2<sup>\u00e8me<\/sup> pilier) compl\u00e8te l\u2019AVS. Ensemble, ces deux piliers permettent de maintenir de fa\u00e7on appropri\u00e9e le niveau de vie ant\u00e9rieur. Le 3<sup>\u00e8me<\/sup> pilier est une \u00e9pargne individuelle et volontaire, qui s\u2019est constitu\u00e9e en dehors des assurances sociales.<\/p>\n\n\n\n<div class=\"wp-block-group is-style-default is-nowrap is-layout-flex wp-container-core-group-is-layout-fe72eea7 wp-block-group-is-layout-flex\"><div class=\"wp-block-icon\"><svg aria-hidden=\"true\" class=\"has-text-color has-primary-color\" focusable=\"false\" style=\"color:var(--wp--preset--color--primary);width:100px;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\">\n\t<path fill-rule=\"evenodd\" d=\"M5.5 12a6.5 6.5 0 1 0 13 0 6.5 6.5 0 0 0-13 0ZM12 4a8 8 0 1 0 0 16 8 8 0 0 0 0-16Zm.75 4v1.5h-1.5V8h1.5Zm0 8v-5h-1.5v5h1.5Z\" \/>\n<\/svg>\n<\/div>\n\n\n<p class=\"has-foreground-color has-text-color has-link-color wp-elements-299b5194b3adabc685379502845e5ee4 wp-block-paragraph\"><strong>Pourquoi c\u2019est important\u00a0:<\/strong> La pr\u00e9voyance vieillesse est l\u2019un des acquis les plus importants des syndicats. Sans pr\u00e9voyance vieillesse, la plupart devraient travailler jusqu\u2019\u00e0 un \u00e2ge avanc\u00e9. Ou ils s\u2019appauvriraient, ce qui \u00e9tait encore largement le cas il y a 100 ans.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div class=\"wp-block-columns is-style-accordion has-background-background-color has-background is-layout-flex wp-container-core-columns-is-layout-fe72eea7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column has-background-background-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-b3c08f5c3e552d66e28058635174ba34\"><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong>Primaut\u00e9 des cotisations<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"is-style-default wp-block-paragraph\">Dans le cas de la primaut\u00e9 des cotisations, la future rente vieillesse r\u00e9sulte du capital \u00e9pargn\u00e9. La plupart des caisses de pension \u2013 aussi comPlan \u2013 fonctionnent selon ce principe.<\/p>\n\n\n\n<div class=\"wp-block-group is-style-default is-nowrap is-layout-flex wp-container-core-group-is-layout-fe72eea7 wp-block-group-is-layout-flex\"><div class=\"wp-block-icon\"><svg aria-hidden=\"true\" class=\"has-text-color has-primary-color\" focusable=\"false\" style=\"color:var(--wp--preset--color--primary);width:100px;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\">\n\t<path fill-rule=\"evenodd\" d=\"M5.5 12a6.5 6.5 0 1 0 13 0 6.5 6.5 0 0 0-13 0ZM12 4a8 8 0 1 0 0 16 8 8 0 0 0 0-16Zm.75 4v1.5h-1.5V8h1.5Zm0 8v-5h-1.5v5h1.5Z\" \/>\n<\/svg>\n<\/div>\n\n\n<p class=\"has-foreground-color has-text-color has-link-color wp-elements-960a67d379762c10e3bd65ab86e2783d wp-block-paragraph\"><strong>Pourquoi c\u2019est important\u00a0:<\/strong> plus le salaire est \u00e9lev\u00e9, plus le capital \u00e9pargn\u00e9 est \u00e9lev\u00e9 \u00e0 la retraite. C\u2019est pourquoi syndicom exige aux n\u00e9gociations salariales annuelles en principe une augmentation de la masse salariale, et pas des versements uniques, qui ne sont pas assur\u00e9s.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div class=\"wp-block-columns is-style-accordion has-background-background-color has-background is-layout-flex wp-container-core-columns-is-layout-fe72eea7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column has-background-background-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-1d4a0c644f71b485dc12f0cfb1afc001\"><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong>Prime de risque<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"is-style-default wp-block-paragraph\">La prime de risque sert \u00e0 financer les prestations en cas d\u2019invalidit\u00e9 ou de d\u00e9c\u00e8s. Le montant de la prime de risque d\u00e9pend entre autres des risques encourus par la branche concern\u00e9e.<\/p>\n\n\n\n<div class=\"wp-block-group is-style-default is-nowrap is-layout-flex wp-container-core-group-is-layout-fe72eea7 wp-block-group-is-layout-flex\"><div class=\"wp-block-icon\"><svg aria-hidden=\"true\" class=\"has-text-color has-primary-color\" focusable=\"false\" style=\"color:var(--wp--preset--color--primary);width:100px;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\">\n\t<path fill-rule=\"evenodd\" d=\"M5.5 12a6.5 6.5 0 1 0 13 0 6.5 6.5 0 0 0-13 0ZM12 4a8 8 0 1 0 0 16 8 8 0 0 0 0-16Zm.75 4v1.5h-1.5V8h1.5Zm0 8v-5h-1.5v5h1.5Z\" \/>\n<\/svg>\n<\/div>\n\n\n<p class=\"has-foreground-color has-text-color has-link-color wp-elements-eee1ce458b7a99a5b306ddc87a5d0c32 wp-block-paragraph\"><strong>Pourquoi c\u2019est important\u00a0:<\/strong> comPlan est une institution de pr\u00e9voyance qui assume \u00e9galement les t\u00e2ches d\u2019une assurance sociale en cas de risques d\u2019invalidit\u00e9 et de d\u00e9c\u00e8s. En comparaison avec de grands groupes d\u2019assurances, comPlan applique des primes de risque nettement moins \u00e9lev\u00e9es.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div class=\"wp-block-columns is-style-accordion has-background-background-color has-background is-layout-flex wp-container-core-columns-is-layout-fe72eea7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column has-background-background-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<h3 id=\"Remuneration\" class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-f7609cfaeda1f12703820acbc8acfb12\"><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong>R\u00e9mun\u00e9ration des avoirs de pr\u00e9voyance<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"is-style-default wp-block-paragraph\">La r\u00e9mun\u00e9ration des avoirs de pr\u00e9voyance d\u00e9termine avec quel taux d\u2019int\u00e9r\u00eat l\u2019avoir de vieillesse augmente. Une bonne r\u00e9mun\u00e9ration des avoirs renforce le capital de pr\u00e9voyance et donc les futures rentes de vieillesse.<\/p>\n\n\n\n<div class=\"wp-block-group is-style-default is-nowrap is-layout-flex wp-container-core-group-is-layout-fe72eea7 wp-block-group-is-layout-flex\"><div class=\"wp-block-icon\"><svg aria-hidden=\"true\" class=\"has-text-color has-primary-color\" focusable=\"false\" style=\"color:var(--wp--preset--color--primary);width:100px;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\">\n\t<path fill-rule=\"evenodd\" d=\"M5.5 12a6.5 6.5 0 1 0 13 0 6.5 6.5 0 0 0-13 0ZM12 4a8 8 0 1 0 0 16 8 8 0 0 0 0-16Zm.75 4v1.5h-1.5V8h1.5Zm0 8v-5h-1.5v5h1.5Z\" \/>\n<\/svg>\n<\/div>\n\n\n<p class=\"has-foreground-color has-text-color has-link-color wp-elements-61297e0766616d5ffe959463ddf9de96 wp-block-paragraph\"><strong>Pourquoi c\u2019est important\u00a0:<\/strong> gr\u00e2ce \u00e0 la situation financi\u00e8re stable de comPlan (taux de couverture \u00e9lev\u00e9 et rendement sup\u00e9rieur \u00e0 la moyenne), le Conseil de fondation a \u00e9t\u00e9 en mesure de d\u00e9cider d\u2019une r\u00e9mun\u00e9ration \u00e9lev\u00e9e des avoirs au cours des derni\u00e8res ann\u00e9es.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div class=\"wp-block-columns is-style-accordion has-background-background-color has-background is-layout-flex wp-container-core-columns-is-layout-fe72eea7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column has-background-background-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-8c3ad2c318dc89ebf1fd9705b30336e3\"><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong>Rendement<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"is-style-default wp-block-paragraph\">Le rendement est le revenu g\u00e9n\u00e9r\u00e9 par les placements d\u2019une caisse de retraite. Des rendements \u00e0 long terme renforcent le financement et les prestations.<\/p>\n\n\n\n<div class=\"wp-block-group is-style-default is-nowrap is-layout-flex wp-container-core-group-is-layout-fe72eea7 wp-block-group-is-layout-flex\"><div class=\"wp-block-icon\"><svg aria-hidden=\"true\" class=\"has-text-color has-primary-color\" focusable=\"false\" style=\"color:var(--wp--preset--color--primary);width:100px;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\">\n\t<path fill-rule=\"evenodd\" d=\"M5.5 12a6.5 6.5 0 1 0 13 0 6.5 6.5 0 0 0-13 0ZM12 4a8 8 0 1 0 0 16 8 8 0 0 0 0-16Zm.75 4v1.5h-1.5V8h1.5Zm0 8v-5h-1.5v5h1.5Z\" \/>\n<\/svg>\n<\/div>\n\n\n<p class=\"has-foreground-color has-text-color has-link-color wp-elements-9250e51e0dea8ce27c2364403106fdf1 wp-block-paragraph\"><strong>Pourquoi c\u2019est important\u00a0:<\/strong> Ce qui est d\u00e9terminant, ce n\u2019est pas seulement le rendement, qui sert de base \u00e0 la r\u00e9mun\u00e9ration de l\u2019avoir de vieillesse, mais aussi les risques et les co\u00fbts qui y sont associ\u00e9s. \u00c0 cela s\u2019ajoutent les crit\u00e8res ESG.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div class=\"wp-block-columns is-style-accordion has-background-background-color has-background is-layout-flex wp-container-core-columns-is-layout-fe72eea7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column has-background-background-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-b530fa10d978745023759a0b4ae3a541\"><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong>Rente de vieillesse<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"is-style-default wp-block-paragraph\">La rente de vieillesse est la prestation mensuelle \u00e0 vie, qui est vers\u00e9e apr\u00e8s la retraite. Son montant d\u00e9pend notamment de l\u2019avoir de vieillesse \u00e9pargn\u00e9 et du taux de conversion.<\/p>\n\n\n\n<div class=\"wp-block-group is-style-default is-nowrap is-layout-flex wp-container-core-group-is-layout-fe72eea7 wp-block-group-is-layout-flex\"><div class=\"wp-block-icon\"><svg aria-hidden=\"true\" class=\"has-text-color has-primary-color\" focusable=\"false\" style=\"color:var(--wp--preset--color--primary);width:100px;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\">\n\t<path fill-rule=\"evenodd\" d=\"M5.5 12a6.5 6.5 0 1 0 13 0 6.5 6.5 0 0 0-13 0ZM12 4a8 8 0 1 0 0 16 8 8 0 0 0 0-16Zm.75 4v1.5h-1.5V8h1.5Zm0 8v-5h-1.5v5h1.5Z\" \/>\n<\/svg>\n<\/div>\n\n\n<p class=\"has-foreground-color has-text-color has-link-color wp-elements-2c151f26c9ae4e5ae9ccf3ea5fc13f13 wp-block-paragraph\"><strong>Pourquoi c\u2019est important\u00a0:<\/strong> de bonnes rentes de vieillesse ne tombent pas du ciel. Elles d\u00e9pendent des prestations, du financement et du taux d\u2019int\u00e9r\u00eat (rendements des placements) de la caisse de pension \u2013 et donc des d\u00e9cisions du Conseil de fondation.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div class=\"wp-block-columns is-style-accordion has-background-background-color has-background is-layout-flex wp-container-core-columns-is-layout-fe72eea7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column has-background-background-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-cb15ea2186d85a09d1ee6f2e1f493ec0\"><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong>R\u00e9serve de fluctuation de valeur<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"is-style-default wp-block-paragraph\">Les r\u00e9serves de fluctuation de valeur constituent des tampons financiers destin\u00e9s \u00e0 pallier les mauvaises ann\u00e9es boursi\u00e8res ou les perturbations du march\u00e9. Elles aident une caisse de pension \u00e0 amortir les fluctuations sur les march\u00e9s financiers.<\/p>\n\n\n\n<div class=\"wp-block-group is-style-default is-nowrap is-layout-flex wp-container-core-group-is-layout-fe72eea7 wp-block-group-is-layout-flex\"><div class=\"wp-block-icon\"><svg aria-hidden=\"true\" class=\"has-text-color has-primary-color\" focusable=\"false\" style=\"color:var(--wp--preset--color--primary);width:100px;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\">\n\t<path fill-rule=\"evenodd\" d=\"M5.5 12a6.5 6.5 0 1 0 13 0 6.5 6.5 0 0 0-13 0ZM12 4a8 8 0 1 0 0 16 8 8 0 0 0 0-16Zm.75 4v1.5h-1.5V8h1.5Zm0 8v-5h-1.5v5h1.5Z\" \/>\n<\/svg>\n<\/div>\n\n\n<p class=\"has-foreground-color has-text-color has-link-color wp-elements-747423de796d559f003ff872df667c79 wp-block-paragraph\"><strong>Pourquoi c\u2019est important\u00a0:<\/strong> sans des r\u00e9serves suffisantes, les crises peuvent plus rapidement entra\u00eener des d\u00e9couverts ou une pression sur les prestations.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div class=\"wp-block-columns is-style-accordion has-background-background-color has-background is-layout-flex wp-container-core-columns-is-layout-fe72eea7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column has-background-background-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-db2d06b9061d980648e47edaba9eab0c\"><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong>Retrait du capital<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"is-style-default wp-block-paragraph\">\u00c0 la retraite, une partie ou l\u2019entier de l\u2019avoir de vieillesse peut \u00eatre retir\u00e9 sous forme de capital. Les personnes qui retirent leur capital re\u00e7oivent une rente moins \u00e9lev\u00e9e ou n\u2019ont aucune rente.<\/p>\n\n\n\n<div class=\"wp-block-group is-style-default is-nowrap is-layout-flex wp-container-core-group-is-layout-fe72eea7 wp-block-group-is-layout-flex\"><div class=\"wp-block-icon\"><svg aria-hidden=\"true\" class=\"has-text-color has-primary-color\" focusable=\"false\" style=\"color:var(--wp--preset--color--primary);width:100px;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\">\n\t<path fill-rule=\"evenodd\" d=\"M5.5 12a6.5 6.5 0 1 0 13 0 6.5 6.5 0 0 0-13 0ZM12 4a8 8 0 1 0 0 16 8 8 0 0 0 0-16Zm.75 4v1.5h-1.5V8h1.5Zm0 8v-5h-1.5v5h1.5Z\" \/>\n<\/svg>\n<\/div>\n\n\n<p class=\"has-foreground-color has-text-color has-link-color wp-elements-53563e887dbe82acce75342f49896d42 wp-block-paragraph\"><strong>Pourquoi c\u2019est important\u00a0:<\/strong> d\u00e9cider de percevoir l\u2019avoir de vieillesse en capital ou sous forme de rente, c\u2019est une des d\u00e9cisions les plus importantes dans la vie. Les <a href=\"https:\/\/syndicom.ch\/fr\/consultation-de-retraite\/\" type=\"page\" id=\"6852\" target=\"_blank\" rel=\"noreferrer noopener\">consultant-e de retraite de syndicom<\/a> apportent des conseils comp\u00e9tents et gratuits aux collaborateur-trices de Swisscom et de ses filiales et leur montrent \u00e0 quoi pr\u00eater attention pour prendre cette d\u00e9cision.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div class=\"wp-block-columns is-style-accordion has-background-background-color has-background is-layout-flex wp-container-core-columns-is-layout-fe72eea7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column has-background-background-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-fd1c4d9d19ae9563dbd56e4d0fb0047e\"><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong>Retraite anticip\u00e9e<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"is-style-default wp-block-paragraph\">On parle de retraite anticip\u00e9e lors de d\u00e9part \u00e0 la retraite avant l\u2019\u00e2ge de la retraite ordinaire. Parce que les cotisations sont pay\u00e9es sur une moins longue p\u00e9riode et que la rente est vers\u00e9e plus longtemps, cela entra\u00eene souvent des r\u00e9ductions de rente.<\/p>\n\n\n\n<div class=\"wp-block-group is-style-default is-nowrap is-layout-flex wp-container-core-group-is-layout-fe72eea7 wp-block-group-is-layout-flex\"><div class=\"wp-block-icon\"><svg aria-hidden=\"true\" class=\"has-text-color has-primary-color\" focusable=\"false\" style=\"color:var(--wp--preset--color--primary);width:100px;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\">\n\t<path fill-rule=\"evenodd\" d=\"M5.5 12a6.5 6.5 0 1 0 13 0 6.5 6.5 0 0 0-13 0ZM12 4a8 8 0 1 0 0 16 8 8 0 0 0 0-16Zm.75 4v1.5h-1.5V8h1.5Zm0 8v-5h-1.5v5h1.5Z\" \/>\n<\/svg>\n<\/div>\n\n\n<p class=\"has-foreground-color has-text-color has-link-color wp-elements-2bc8b09b8542767346bc53b2306a5f37 wp-block-paragraph\"><strong>Pourquoi c\u2019est important\u00a0:<\/strong> gr\u00e2ce \u00e0 la rente transitoire que Swisscom octroie jusqu\u2019\u00e0 la perception ordinaire de la rente AVS, une retraite anticip\u00e9e est possible pour beaucoup de collaborateur-trices de Swisscom et de ses filiales. En 2018, Swisscom voulait supprimer la rente transitoire. syndicom s\u2019est oppos\u00e9 \u00e0 cette d\u00e9cision avec succ\u00e8s.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div class=\"wp-block-columns is-style-accordion has-background-background-color has-background is-layout-flex wp-container-core-columns-is-layout-fe72eea7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column has-background-background-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-c3954e18d6f8978de61bf0cfc7ee6fbd\"><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong>Retraite partielle<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"is-style-default wp-block-paragraph\">En cas de retraite partielle, l\u2019activit\u00e9 professionnelle est r\u00e9duite progressivement au lieu de s\u2019arr\u00eater brutalement. Des mod\u00e8les flexibles peuvent faciliter le passage \u00e0 la retraite.<\/p>\n\n\n\n<div class=\"wp-block-group is-style-default is-nowrap is-layout-flex wp-container-core-group-is-layout-fe72eea7 wp-block-group-is-layout-flex\"><div class=\"wp-block-icon\"><svg aria-hidden=\"true\" class=\"has-text-color has-primary-color\" focusable=\"false\" style=\"color:var(--wp--preset--color--primary);width:100px;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\">\n\t<path fill-rule=\"evenodd\" d=\"M5.5 12a6.5 6.5 0 1 0 13 0 6.5 6.5 0 0 0-13 0ZM12 4a8 8 0 1 0 0 16 8 8 0 0 0 0-16Zm.75 4v1.5h-1.5V8h1.5Zm0 8v-5h-1.5v5h1.5Z\" \/>\n<\/svg>\n<\/div>\n\n\n<p class=\"has-foreground-color has-text-color has-link-color wp-elements-33f3a327d14cb9d7782750f8a9ef3d5b wp-block-paragraph\"><strong>Pourquoi c\u2019est important\u00a0:<\/strong> syndicom a n\u00e9goci\u00e9 avec Swisscom des mod\u00e8les de retraite partielle limit\u00e9s dans le temps. Lors des prochaines n\u00e9gociations sur la CCT, il s\u2019agit de garantir ces mod\u00e8les et de les d\u00e9velopper.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div class=\"wp-block-columns is-style-accordion has-background-background-color has-background is-layout-flex wp-container-core-columns-is-layout-fe72eea7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column has-background-background-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<h3 id=\"Taux\" class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-bf26916838939e2d513036314b9ff1f5\"><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong>Taux d\u2019int\u00e9r\u00eat technique<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"is-style-default wp-block-paragraph\">Le taux d\u2019int\u00e9r\u00eat technique est une hypoth\u00e8se actuarielle relative aux rendements r\u00e9alisables \u00e0 long terme par une caisse de pension. Il influe notamment l\u2019\u00e9valuation des engagements et le financement des rentes.<\/p>\n\n\n\n<div class=\"wp-block-group is-style-default is-nowrap is-layout-flex wp-container-core-group-is-layout-fe72eea7 wp-block-group-is-layout-flex\"><div class=\"wp-block-icon\"><svg aria-hidden=\"true\" class=\"has-text-color has-primary-color\" focusable=\"false\" style=\"color:var(--wp--preset--color--primary);width:100px;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\">\n\t<path fill-rule=\"evenodd\" d=\"M5.5 12a6.5 6.5 0 1 0 13 0 6.5 6.5 0 0 0-13 0ZM12 4a8 8 0 1 0 0 16 8 8 0 0 0 0-16Zm.75 4v1.5h-1.5V8h1.5Zm0 8v-5h-1.5v5h1.5Z\" \/>\n<\/svg>\n<\/div>\n\n\n<p class=\"has-foreground-color has-text-color has-link-color wp-elements-712ce3d0fd2bbcd9aa16481045d13168 wp-block-paragraph\"><strong>Pourquoi c\u2019est important\u00a0:<\/strong> le montant du taux d\u2019int\u00e9r\u00eat technique n\u2019est pas une d\u00e9cision d\u2019experts, mais d\u00e9pend des appr\u00e9ciations \u00e9mises par les membres du Conseil de fondation.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div class=\"wp-block-columns is-style-accordion has-background-background-color has-background is-layout-flex wp-container-core-columns-is-layout-fe72eea7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column has-background-background-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-b7f8779e894d0fe44be24815bb5883ef\"><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong>Taux de conversion<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"is-style-default wp-block-paragraph\">Le taux de conversion d\u00e9termine comment une rente de vieillesse annuelle est calcul\u00e9e \u00e0 partir de l\u2019avoir de vieillesse \u00e9pargn\u00e9. Un taux de conversion plus bas entra\u00eene pour le m\u00eame capital des rentes moins \u00e9lev\u00e9es.<\/p>\n\n\n\n<div class=\"wp-block-group is-style-default is-nowrap is-layout-flex wp-container-core-group-is-layout-fe72eea7 wp-block-group-is-layout-flex\"><div class=\"wp-block-icon\"><svg aria-hidden=\"true\" class=\"has-text-color has-primary-color\" focusable=\"false\" style=\"color:var(--wp--preset--color--primary);width:100px;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\">\n\t<path fill-rule=\"evenodd\" d=\"M5.5 12a6.5 6.5 0 1 0 13 0 6.5 6.5 0 0 0-13 0ZM12 4a8 8 0 1 0 0 16 8 8 0 0 0 0-16Zm.75 4v1.5h-1.5V8h1.5Zm0 8v-5h-1.5v5h1.5Z\" \/>\n<\/svg>\n<\/div>\n\n\n<p class=\"has-foreground-color has-text-color has-link-color wp-elements-01499706fd035dce34690ebcf58d8f13 wp-block-paragraph\"><strong>Pourquoi c\u2019est important\u00a0:<\/strong> le taux de conversion constitue l\u2019un des principaux instruments pour d\u00e9terminer le montant des rentes de vieillesse et est d\u00e9cid\u00e9 au Conseil de fondation.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Si tu travailles chez Swisscom ou dans l\u2019une de ses filiales, tu es assur\u00e9-e aupr\u00e8s de la caisse de pension comPlan. <\/p>\n","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","footnotes":""},"categories":[],"class_list":["post-63407","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - 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