{"id":3728,"date":"2023-04-06T17:18:37","date_gmt":"2023-04-06T15:18:37","guid":{"rendered":"https:\/\/hitachi.musterpage.ch\/dev\/infocenter\/fachwoerterverzeichnis\/"},"modified":"2025-07-09T09:59:02","modified_gmt":"2025-07-09T07:59:02","slug":"fachwoerterverzeichnis","status":"publish","type":"page","link":"https:\/\/www.hitachigroupvorsorge.ch\/fr\/service\/infocenter\/fachwoerterverzeichnis\/","title":{"rendered":"D\u00e9finitions"},"content":{"rendered":"\n\n<section id=\"res-txt-block_cacfc2c3adf665020945f81ba4f60831\" class=\"res-block res-txt layout03 py-3 Transparent\" style=\"background: transparent;\">\n  <div class=\"inner-container container-small \" data-aos=\"res-fadeIn\">\n \n\t\t  \n\t<div class=\"layout-3 title-only-section \">\n\t\t<div class=\"row\">\t\n\t\t\t\n\t\t\t\n\t\t  \n\t\t\t\n\t\t\t\n\t\t\t<div class=\"col-md-12 var-1spalten text-left \">\n\t\t\t\t\n\t\t\t\t<div class=\"txt-title-field \">\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t  <span class=\"text-topline\"><p>D\u00e9finitions<\/p>\n<\/span>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t   <h1>La pr\u00e9voyance de A \u00e0 Z<\/h1>\n\t\t\t\t\t\n\n\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t \n\t\t\t\t\t<\/div>\n\n\t\t\t\t\n                \t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n  \n\t \n\t  \n \n \n\t<\/div>\n<\/section>\n\n\n\n\n    <section id=\"res-collapse-block_317abe2da672b5d67c658dd1fd52db01\"\n             class=\"res-collapse pb-5 Transparent\"\n             style=\"background: transparent;\">\n        <div class=\"inner-container container-small\" data-aos=\"res-fadeIn\">\n\t\t\t\n            <div id=\"res_collapse_gQSQMaksJy\" class=\"collapse-all\">\n\t\t\t\t\n                <div class=\"card\">\n                    <a data-anchor=\"#\" class=\"collapsed\" data-toggle=\"collapse\"\n                       data-target=\"#collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-1\" aria-expanded=\"true\"\n                       aria-controls=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-1\">\n                        <div class=\"card-header d-flex justify-content-between \"\n                             id=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-1\"> \t\t\t\t\t\t\t<h4 class=\"title-collapse\"                                >AI<\/h4>                        <div class=\"collapse-icon\" id=\"arrow-collapse\">\n                            <i class=\"fa-light fa-chevron-down rotate-icon\"><\/i>\n                        <\/div>\n                <\/div>\n                <\/a>\n                <div id=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-1\" class=\"collapse\"\n                     aria-labelledby=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-1\"\n                     data-parent=\"#res_collapse_gQSQMaksJy\">\n                    <div class=\"card-body\">\n\t\t\t\t\t\t<p>L\u2019assurance-invalidit\u00e9 (AI) est l\u2019assurance invalidit\u00e9 obligatoire en Suisse. Avec l\u2019assurance-vieillesse et survivants (AVS) et les prestations compl\u00e9mentaires, elle constitue le 1<sup>er<\/sup>\u202fpilier du syst\u00e8me suisse des trois piliers.<\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\n                <div class=\"card\">\n                    <a data-anchor=\"#\" class=\"collapsed\" data-toggle=\"collapse\"\n                       data-target=\"#collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-2\" aria-expanded=\"true\"\n                       aria-controls=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-2\">\n                        <div class=\"card-header d-flex justify-content-between \"\n                             id=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-2\"> \t\t\t\t\t\t\t<h4 class=\"title-collapse\"                                >AVS<\/h4>                        <div class=\"collapse-icon\" id=\"arrow-collapse\">\n                            <i class=\"fa-light fa-chevron-down rotate-icon\"><\/i>\n                        <\/div>\n                <\/div>\n                <\/a>\n                <div id=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-2\" class=\"collapse\"\n                     aria-labelledby=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-2\"\n                     data-parent=\"#res_collapse_gQSQMaksJy\">\n                    <div class=\"card-body\">\n\t\t\t\t\t\t<p>L\u2019assurance-vieillesse et survivants (AVS) est l\u2019assurance de rente obligatoire en Suisse. Avec l\u2019assurance-invalidit\u00e9 (AI) et les prestations compl\u00e9mentaires, elle constitue le 1<sup>er<\/sup>\u202fpilier du syst\u00e8me suisse des trois piliers et sert \u00e0 garantir le minimum vital. L\u2019AVS est financ\u00e9e par un principe de r\u00e9partition. Les cotisations entrantes servent directement \u00e0 financer les prestations de rente.<\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\n                <div class=\"card\">\n                    <a data-anchor=\"#\" class=\"collapsed\" data-toggle=\"collapse\"\n                       data-target=\"#collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-3\" aria-expanded=\"true\"\n                       aria-controls=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-3\">\n                        <div class=\"card-header d-flex justify-content-between \"\n                             id=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-3\"> \t\t\t\t\t\t\t<h4 class=\"title-collapse\"                                >Assainissement<\/h4>                        <div class=\"collapse-icon\" id=\"arrow-collapse\">\n                            <i class=\"fa-light fa-chevron-down rotate-icon\"><\/i>\n                        <\/div>\n                <\/div>\n                <\/a>\n                <div id=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-3\" class=\"collapse\"\n                     aria-labelledby=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-3\"\n                     data-parent=\"#res_collapse_gQSQMaksJy\">\n                    <div class=\"card-body\">\n\t\t\t\t\t\t<p>Conform\u00e9ment \u00e0 la loi, si une caisse de pension pr\u00e9sente un d\u00e9couvert, le conseil de fondation de cette caisse de pension doit d\u00e9cider de mesures d\u2019assainissement appropri\u00e9es. Ces mesures devraient permettre de supprimer le d\u00e9couvert dans un d\u00e9lai appropri\u00e9 de, g\u00e9n\u00e9ralement, cinq \u00e0 sept ans.<\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\n                <div class=\"card\">\n                    <a data-anchor=\"#\" class=\"collapsed\" data-toggle=\"collapse\"\n                       data-target=\"#collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-4\" aria-expanded=\"true\"\n                       aria-controls=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-4\">\n                        <div class=\"card-header d-flex justify-content-between \"\n                             id=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-4\"> \t\t\t\t\t\t\t<h4 class=\"title-collapse\"                                >Assurance compl\u00e9mentaire<\/h4>                        <div class=\"collapse-icon\" id=\"arrow-collapse\">\n                            <i class=\"fa-light fa-chevron-down rotate-icon\"><\/i>\n                        <\/div>\n                <\/div>\n                <\/a>\n                <div id=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-4\" class=\"collapse\"\n                     aria-labelledby=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-4\"\n                     data-parent=\"#res_collapse_gQSQMaksJy\">\n                    <div class=\"card-body\">\n\t\t\t\t\t\t<p>L\u2019assurance compl\u00e9mentaire assure la pr\u00e9voyance vieillesse et l\u2019assurance risque pour les parts de salaire sup\u00e9rieures qui ne sont pas couvertes par Hitachi Group Caisse de pension.<\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\n                <div class=\"card\">\n                    <a data-anchor=\"#\" class=\"collapsed\" data-toggle=\"collapse\"\n                       data-target=\"#collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-5\" aria-expanded=\"true\"\n                       aria-controls=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-5\">\n                        <div class=\"card-header d-flex justify-content-between \"\n                             id=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-5\"> \t\t\t\t\t\t\t<h4 class=\"title-collapse\"                                >Avoir de vieillesse <\/h4>                        <div class=\"collapse-icon\" id=\"arrow-collapse\">\n                            <i class=\"fa-light fa-chevron-down rotate-icon\"><\/i>\n                        <\/div>\n                <\/div>\n                <\/a>\n                <div id=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-5\" class=\"collapse\"\n                     aria-labelledby=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-5\"\n                     data-parent=\"#res_collapse_gQSQMaksJy\">\n                    <div class=\"card-body\">\n\t\t\t\t\t\t<p>L\u2019avoir de vieillesse est une somme constitu\u00e9e au cours de l\u2019activit\u00e9 professionnelle qui sert principalement \u00e0 financer les rentes du 2<sup>e<\/sup> pilier.\u202f L\u2019avoir de vieillesse se compose des cotisations d\u2019\u00e9pargne effectives de la personne salari\u00e9e et de l\u2019employeur, des prestations de libre passage transf\u00e9r\u00e9es, de rachats facultatifs et d\u2019int\u00e9r\u00eats.<\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\n                <div class=\"card\">\n                    <a data-anchor=\"#\" class=\"collapsed\" data-toggle=\"collapse\"\n                       data-target=\"#collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-6\" aria-expanded=\"true\"\n                       aria-controls=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-6\">\n                        <div class=\"card-header d-flex justify-content-between \"\n                             id=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-6\"> \t\t\t\t\t\t\t<h4 class=\"title-collapse\"                                >Avoir de vieillesse qui rel\u00e8ve de la pr\u00e9voyance surobligatoire<\/h4>                        <div class=\"collapse-icon\" id=\"arrow-collapse\">\n                            <i class=\"fa-light fa-chevron-down rotate-icon\"><\/i>\n                        <\/div>\n                <\/div>\n                <\/a>\n                <div id=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-6\" class=\"collapse\"\n                     aria-labelledby=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-6\"\n                     data-parent=\"#res_collapse_gQSQMaksJy\">\n                    <div class=\"card-body\">\n\t\t\t\t\t\t<p>Avoir de la personne assur\u00e9e sur le compte de vieillesse, d\u00e9passant les prescriptions minimales l\u00e9gales. Dans l\u2019assurance compl\u00e9mentaire, seuls les avoirs de vieillesse relevant de la pr\u00e9voyance surobligatoire sont g\u00e9r\u00e9s.<\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\n                <div class=\"card\">\n                    <a data-anchor=\"#\" class=\"collapsed\" data-toggle=\"collapse\"\n                       data-target=\"#collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-7\" aria-expanded=\"true\"\n                       aria-controls=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-7\">\n                        <div class=\"card-header d-flex justify-content-between \"\n                             id=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-7\"> \t\t\t\t\t\t\t<h4 class=\"title-collapse\"                                >Bonification de vieillesse<\/h4>                        <div class=\"collapse-icon\" id=\"arrow-collapse\">\n                            <i class=\"fa-light fa-chevron-down rotate-icon\"><\/i>\n                        <\/div>\n                <\/div>\n                <\/a>\n                <div id=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-7\" class=\"collapse\"\n                     aria-labelledby=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-7\"\n                     data-parent=\"#res_collapse_gQSQMaksJy\">\n                    <div class=\"card-body\">\n\t\t\t\t\t\t<p>Les bonifications de vieillesse correspondent au montant cr\u00e9dit\u00e9 aux personnes assur\u00e9es sur leur avoir de vieillesse. Elles comprennent les contributions d\u2019\u00e9pargne de l\u2019employeur et de la personne salari\u00e9e.<\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\n                <div class=\"card\">\n                    <a data-anchor=\"#\" class=\"collapsed\" data-toggle=\"collapse\"\n                       data-target=\"#collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-8\" aria-expanded=\"true\"\n                       aria-controls=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-8\">\n                        <div class=\"card-header d-flex justify-content-between \"\n                             id=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-8\"> \t\t\t\t\t\t\t<h4 class=\"title-collapse\"                                >B\u00e9n\u00e9ficiaire de rente<\/h4>                        <div class=\"collapse-icon\" id=\"arrow-collapse\">\n                            <i class=\"fa-light fa-chevron-down rotate-icon\"><\/i>\n                        <\/div>\n                <\/div>\n                <\/a>\n                <div id=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-8\" class=\"collapse\"\n                     aria-labelledby=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-8\"\n                     data-parent=\"#res_collapse_gQSQMaksJy\">\n                    <div class=\"card-body\">\n\t\t\t\t\t\t<p>Personne percevant une rente (AVS, AI, pr\u00e9voyance professionnelle, contrats de rente priv\u00e9s, etc.). Les retrait\u00e9\u00b7es, invalides, conjoint\u00b7es survivants, orphelin\u00b7es et le cas \u00e9ch\u00e9ant d\u2019autres b\u00e9n\u00e9ficiaires sont d\u00e9sign\u00e9s comme \u00abb\u00e9n\u00e9ficiaires de rente\u00bb.<\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\n                <div class=\"card\">\n                    <a data-anchor=\"#\" class=\"collapsed\" data-toggle=\"collapse\"\n                       data-target=\"#collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-9\" aria-expanded=\"true\"\n                       aria-controls=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-9\">\n                        <div class=\"card-header d-flex justify-content-between \"\n                             id=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-9\"> \t\t\t\t\t\t\t<h4 class=\"title-collapse\"                                >Capital au d\u00e9c\u00e8s<\/h4>                        <div class=\"collapse-icon\" id=\"arrow-collapse\">\n                            <i class=\"fa-light fa-chevron-down rotate-icon\"><\/i>\n                        <\/div>\n                <\/div>\n                <\/a>\n                <div id=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-9\" class=\"collapse\"\n                     aria-labelledby=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-9\"\n                     data-parent=\"#res_collapse_gQSQMaksJy\">\n                    <div class=\"card-body\">\n\t\t\t\t\t\t<p>Au d\u00e9c\u00e8s d\u2019une personne assur\u00e9e active, le r\u00e8glement pr\u00e9cise qu\u2019une prestation en cas de d\u00e9c\u00e8s sous forme de capital est \u00e9chue. Les conditions et le montant du capital au d\u00e9c\u00e8s sont pr\u00e9cis\u00e9s dans le <a href=\"https:\/\/www.hitachigroupvorsorge.ch\/wp-content\/uploads\/HIT_PK_Vorsorgereglement_F.pdf\" target=\"_blank\" rel=\"noopener\">r\u00e8glement de pr\u00e9voyance<\/a><a href=\"https:\/\/www.hitachigroupvorsorge.ch\/wp-content\/uploads\/2023\/06\/2023_REG_HIT_PK_F_Layout.pdf\" target=\"_blank\" rel=\"noopener\">de pr\u00e9voyance<\/a>.<\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\n                <div class=\"card\">\n                    <a data-anchor=\"#\" class=\"collapsed\" data-toggle=\"collapse\"\n                       data-target=\"#collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-10\" aria-expanded=\"true\"\n                       aria-controls=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-10\">\n                        <div class=\"card-header d-flex justify-content-between \"\n                             id=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-10\"> \t\t\t\t\t\t\t<h4 class=\"title-collapse\"                                >Capital de couverture<\/h4>                        <div class=\"collapse-icon\" id=\"arrow-collapse\">\n                            <i class=\"fa-light fa-chevron-down rotate-icon\"><\/i>\n                        <\/div>\n                <\/div>\n                <\/a>\n                <div id=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-10\" class=\"collapse\"\n                     aria-labelledby=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-10\"\n                     data-parent=\"#res_collapse_gQSQMaksJy\">\n                    <div class=\"card-body\">\n\t\t\t\t\t\t<p>Capital n\u00e9cessaire \u00e0 l\u2019institution de pr\u00e9voyance pour financer les engagements r\u00e9glementaires envers les personnes assur\u00e9es aupr\u00e8s d\u2019elle.<\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\n                <div class=\"card\">\n                    <a data-anchor=\"#\" class=\"collapsed\" data-toggle=\"collapse\"\n                       data-target=\"#collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-11\" aria-expanded=\"true\"\n                       aria-controls=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-11\">\n                        <div class=\"card-header d-flex justify-content-between \"\n                             id=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-11\"> \t\t\t\t\t\t\t<h4 class=\"title-collapse\"                                >Cas de pr\u00e9voyance<\/h4>                        <div class=\"collapse-icon\" id=\"arrow-collapse\">\n                            <i class=\"fa-light fa-chevron-down rotate-icon\"><\/i>\n                        <\/div>\n                <\/div>\n                <\/a>\n                <div id=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-11\" class=\"collapse\"\n                     aria-labelledby=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-11\"\n                     data-parent=\"#res_collapse_gQSQMaksJy\">\n                    <div class=\"card-body\">\n\t\t\t\t\t\t<p>On d\u00e9signe de cas de pr\u00e9voyance les \u00e9v\u00e9nements assur\u00e9s dans le cadre de la pr\u00e9voyance professionnelle que sont la vieillesse, l\u2019invalidit\u00e9 et le d\u00e9c\u00e8s.<\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\n                <div class=\"card\">\n                    <a data-anchor=\"#\" class=\"collapsed\" data-toggle=\"collapse\"\n                       data-target=\"#collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-12\" aria-expanded=\"true\"\n                       aria-controls=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-12\">\n                        <div class=\"card-header d-flex justify-content-between \"\n                             id=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-12\"> \t\t\t\t\t\t\t<h4 class=\"title-collapse\"                                >Commission de haute surveillance<\/h4>                        <div class=\"collapse-icon\" id=\"arrow-collapse\">\n                            <i class=\"fa-light fa-chevron-down rotate-icon\"><\/i>\n                        <\/div>\n                <\/div>\n                <\/a>\n                <div id=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-12\" class=\"collapse\"\n                     aria-labelledby=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-12\"\n                     data-parent=\"#res_collapse_gQSQMaksJy\">\n                    <div class=\"card-body\">\n\t\t\t\t\t\t<p>La Commission de haute surveillance de la pr\u00e9voyance professionnelle (CHS PP) est compos\u00e9e de sept \u00e0 neuf membres nomm\u00e9s par le Conseil f\u00e9d\u00e9ral. Il lui appartient notamment d\u2019assurer la coh\u00e9rence de l\u2019activit\u00e9 de contr\u00f4le des autorit\u00e9s de surveillance.<\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\n                <div class=\"card\">\n                    <a data-anchor=\"#\" class=\"collapsed\" data-toggle=\"collapse\"\n                       data-target=\"#collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-13\" aria-expanded=\"true\"\n                       aria-controls=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-13\">\n                        <div class=\"card-header d-flex justify-content-between \"\n                             id=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-13\"> \t\t\t\t\t\t\t<h4 class=\"title-collapse\"                                >Compte t\u00e9moin<\/h4>                        <div class=\"collapse-icon\" id=\"arrow-collapse\">\n                            <i class=\"fa-light fa-chevron-down rotate-icon\"><\/i>\n                        <\/div>\n                <\/div>\n                <\/a>\n                <div id=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-13\" class=\"collapse\"\n                     aria-labelledby=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-13\"\n                     data-parent=\"#res_collapse_gQSQMaksJy\">\n                    <div class=\"card-body\">\n\t\t\t\t\t\t<p>La LPP impose \u00e0 toutes les institutions de pr\u00e9voyance enregistr\u00e9es de tenir des comptes de vieillesse individuels conformes aux normes LPP pour le minimum en plus des comptes dans lesquels elle saisit les versements et prestations r\u00e9els. Avec ce compte \u00abauxiliaire\u00bb ou \u00abt\u00e9moin\u00bb on peut prouver le respect des prescriptions minimales de la LPP.<\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\n                <div class=\"card\">\n                    <a data-anchor=\"#\" class=\"collapsed\" data-toggle=\"collapse\"\n                       data-target=\"#collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-14\" aria-expanded=\"true\"\n                       aria-controls=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-14\">\n                        <div class=\"card-header d-flex justify-content-between \"\n                             id=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-14\"> \t\t\t\t\t\t\t<h4 class=\"title-collapse\"                                >Conseil de fondation<\/h4>                        <div class=\"collapse-icon\" id=\"arrow-collapse\">\n                            <i class=\"fa-light fa-chevron-down rotate-icon\"><\/i>\n                        <\/div>\n                <\/div>\n                <\/a>\n                <div id=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-14\" class=\"collapse\"\n                     aria-labelledby=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-14\"\n                     data-parent=\"#res_collapse_gQSQMaksJy\">\n                    <div class=\"card-body\">\n\t\t\t\t\t\t<p>Organe de l\u2019institution de pr\u00e9voyance organis\u00e9e en fondation. Compte tenu de l\u2019obligation de parit\u00e9, il se compose pour moiti\u00e9 de repr\u00e9sentants de l\u2019employeur et pour moiti\u00e9 de repr\u00e9sentants des salari\u00e9s.<\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\n                <div class=\"card\">\n                    <a data-anchor=\"#\" class=\"collapsed\" data-toggle=\"collapse\"\n                       data-target=\"#collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-15\" aria-expanded=\"true\"\n                       aria-controls=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-15\">\n                        <div class=\"card-header d-flex justify-content-between \"\n                             id=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-15\"> \t\t\t\t\t\t\t<h4 class=\"title-collapse\"                                >Convention d\u2019affiliation<\/h4>                        <div class=\"collapse-icon\" id=\"arrow-collapse\">\n                            <i class=\"fa-light fa-chevron-down rotate-icon\"><\/i>\n                        <\/div>\n                <\/div>\n                <\/a>\n                <div id=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-15\" class=\"collapse\"\n                     aria-labelledby=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-15\"\n                     data-parent=\"#res_collapse_gQSQMaksJy\">\n                    <div class=\"card-body\">\n\t\t\t\t\t\t<p>La convention d\u2019affiliation est un accord entre l\u2019employeur et une institution de pr\u00e9voyance et portant sur l\u2019assurance des collaboratrices et collaborateurs dans le cadre de la pr\u00e9voyance professionnelle. La convention prend en consid\u00e9ration les droits et obligations des parties.<\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\n                <div class=\"card\">\n                    <a data-anchor=\"#\" class=\"collapsed\" data-toggle=\"collapse\"\n                       data-target=\"#collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-16\" aria-expanded=\"true\"\n                       aria-controls=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-16\">\n                        <div class=\"card-header d-flex justify-content-between \"\n                             id=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-16\"> \t\t\t\t\t\t\t<h4 class=\"title-collapse\"                                >Cotisation de risque<\/h4>                        <div class=\"collapse-icon\" id=\"arrow-collapse\">\n                            <i class=\"fa-light fa-chevron-down rotate-icon\"><\/i>\n                        <\/div>\n                <\/div>\n                <\/a>\n                <div id=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-16\" class=\"collapse\"\n                     aria-labelledby=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-16\"\n                     data-parent=\"#res_collapse_gQSQMaksJy\">\n                    <div class=\"card-body\">\n\t\t\t\t\t\t<p>Chez Hitachi Group Caisse de pension, la cotisation de risque pour financer les risques d\u2019invalidit\u00e9 et de d\u00e9c\u00e8s est int\u00e9gralement prise en charge par l\u2019employeur pour toutes les personnes assur\u00e9es.<\/p>\n<p>&nbsp;<\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\n                <div class=\"card\">\n                    <a data-anchor=\"#\" class=\"collapsed\" data-toggle=\"collapse\"\n                       data-target=\"#collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-17\" aria-expanded=\"true\"\n                       aria-controls=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-17\">\n                        <div class=\"card-header d-flex justify-content-between \"\n                             id=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-17\"> \t\t\t\t\t\t\t<h4 class=\"title-collapse\"                                >Degr\u00e9 de couverture<\/h4>                        <div class=\"collapse-icon\" id=\"arrow-collapse\">\n                            <i class=\"fa-light fa-chevron-down rotate-icon\"><\/i>\n                        <\/div>\n                <\/div>\n                <\/a>\n                <div id=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-17\" class=\"collapse\"\n                     aria-labelledby=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-17\"\n                     data-parent=\"#res_collapse_gQSQMaksJy\">\n                    <div class=\"card-body\">\n\t\t\t\t\t\t<p>Le degr\u00e9 de couverture renseigne sur le pourcentage des engagements d\u2019une caisse de pension couverts par ses valeurs patrimoniales \u00e0 une date de r\u00e9f\u00e9rence pr\u00e9cise. Le degr\u00e9 de couverture sert d\u2019indication pour la situation financi\u00e8re de la caisse de pension. Un taux de 100% correspond \u00e0 la couverture int\u00e9grale des engagements.<\/p>\n<p>Pour simplifier, un degr\u00e9 de couverture d\u2019au moins 100% indique que le capital disponible serait suffisant si la caisse de pension devait payer au jour dit tous ses engagements actuels et futurs.<\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\n                <div class=\"card\">\n                    <a data-anchor=\"#\" class=\"collapsed\" data-toggle=\"collapse\"\n                       data-target=\"#collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-18\" aria-expanded=\"true\"\n                       aria-controls=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-18\">\n                        <div class=\"card-header d-flex justify-content-between \"\n                             id=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-18\"> \t\t\t\t\t\t\t<h4 class=\"title-collapse\"                                >D\u00e9couvert<\/h4>                        <div class=\"collapse-icon\" id=\"arrow-collapse\">\n                            <i class=\"fa-light fa-chevron-down rotate-icon\"><\/i>\n                        <\/div>\n                <\/div>\n                <\/a>\n                <div id=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-18\" class=\"collapse\"\n                     aria-labelledby=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-18\"\n                     data-parent=\"#res_collapse_gQSQMaksJy\">\n                    <div class=\"card-body\">\n\t\t\t\t\t\t<p>Une institution de pr\u00e9voyance est en d\u00e9couvert si son degr\u00e9 de couverture est inf\u00e9rieur \u00e0 100%.<\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\n                <div class=\"card\">\n                    <a data-anchor=\"#\" class=\"collapsed\" data-toggle=\"collapse\"\n                       data-target=\"#collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-19\" aria-expanded=\"true\"\n                       aria-controls=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-19\">\n                        <div class=\"card-header d-flex justify-content-between \"\n                             id=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-19\"> \t\t\t\t\t\t\t<h4 class=\"title-collapse\"                                >D\u00e9duction de coordination<\/h4>                        <div class=\"collapse-icon\" id=\"arrow-collapse\">\n                            <i class=\"fa-light fa-chevron-down rotate-icon\"><\/i>\n                        <\/div>\n                <\/div>\n                <\/a>\n                <div id=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-19\" class=\"collapse\"\n                     aria-labelledby=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-19\"\n                     data-parent=\"#res_collapse_gQSQMaksJy\">\n                    <div class=\"card-body\">\n\t\t\t\t\t\t<p>Montant d\u00e9duit du salaire annuel pour calculer le salaire assur\u00e9. La d\u00e9duction sert \u00e0 la coordination entre le 1<sup>er<\/sup> et le 2<sup>e<\/sup>\u202fpilier, resp. \u00e0 garantir que la part de salaire d\u00e9j\u00e0 assur\u00e9e \u00e0 l\u2019AVS n\u2019est pas assur\u00e9e en plus \u00e0 la LPP.<\/p>\n<p>Elle correspond \u00e0 un tiers du salaire annuel atteint pour un degr\u00e9 d\u2019occupation de 100%, mais au plus \u00e0 7\/8 de la rente de vieillesse AVS maximale. Pour les personnes assur\u00e9es avec une occupation \u00e0 temps partiel, la d\u00e9duction de coordination est pond\u00e9r\u00e9e par le degr\u00e9 d\u2019occupation, de mani\u00e8re \u00e0 ce que les personnes avec un temps partiel aient moins de pertes dans la caisse de pension.<\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\n                <div class=\"card\">\n                    <a data-anchor=\"#\" class=\"collapsed\" data-toggle=\"collapse\"\n                       data-target=\"#collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-20\" aria-expanded=\"true\"\n                       aria-controls=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-20\">\n                        <div class=\"card-header d-flex justify-content-between \"\n                             id=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-20\"> \t\t\t\t\t\t\t<h4 class=\"title-collapse\"                                >Encouragement \u00e0 la propri\u00e9t\u00e9 du logement (EPL)<\/h4>                        <div class=\"collapse-icon\" id=\"arrow-collapse\">\n                            <i class=\"fa-light fa-chevron-down rotate-icon\"><\/i>\n                        <\/div>\n                <\/div>\n                <\/a>\n                <div id=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-20\" class=\"collapse\"\n                     aria-labelledby=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-20\"\n                     data-parent=\"#res_collapse_gQSQMaksJy\">\n                    <div class=\"card-body\">\n\t\t\t\t\t\t<p>La LPP autorise la perception de l\u2019avoir de vieillesse avant la retraite \u00e0 condition que ce capital serve \u00e0 financer la propri\u00e9t\u00e9 du logement. Les conditions et le montant du versement possible sont pr\u00e9cis\u00e9s dans le <a href=\"https:\/\/www.hitachigroupvorsorge.ch\/wp-content\/uploads\/HIT_PK_Vorsorgereglement_F.pdf\" target=\"_blank\" rel=\"noopener\">r\u00e8glement de pr\u00e9voyance<\/a>\u00a0et le certificat de pr\u00e9voyance.<\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\n                <div class=\"card\">\n                    <a data-anchor=\"#\" class=\"collapsed\" data-toggle=\"collapse\"\n                       data-target=\"#collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-21\" aria-expanded=\"true\"\n                       aria-controls=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-21\">\n                        <div class=\"card-header d-flex justify-content-between \"\n                             id=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-21\"> \t\t\t\t\t\t\t<h4 class=\"title-collapse\"                                >Fondation d\u2019investissement<\/h4>                        <div class=\"collapse-icon\" id=\"arrow-collapse\">\n                            <i class=\"fa-light fa-chevron-down rotate-icon\"><\/i>\n                        <\/div>\n                <\/div>\n                <\/a>\n                <div id=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-21\" class=\"collapse\"\n                     aria-labelledby=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-21\"\n                     data-parent=\"#res_collapse_gQSQMaksJy\">\n                    <div class=\"card-body\">\n\t\t\t\t\t\t<p>Une fondation d\u2019investissement propose aux investisseurs institutionnels des produits de placement r\u00e9serv\u00e9s exclusivement aux institutions de pr\u00e9voyance suisses des 2<sup>e <\/sup>et 3<sup>e<\/sup> piliers. Les fondations d\u2019investissement se distinguent par des droits de participation des investisseurs dans les organes de la fondation.<\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\n                <div class=\"card\">\n                    <a data-anchor=\"#\" class=\"collapsed\" data-toggle=\"collapse\"\n                       data-target=\"#collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-22\" aria-expanded=\"true\"\n                       aria-controls=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-22\">\n                        <div class=\"card-header d-flex justify-content-between \"\n                             id=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-22\"> \t\t\t\t\t\t\t<h4 class=\"title-collapse\"                                >Frais d\u2019administration<\/h4>                        <div class=\"collapse-icon\" id=\"arrow-collapse\">\n                            <i class=\"fa-light fa-chevron-down rotate-icon\"><\/i>\n                        <\/div>\n                <\/div>\n                <\/a>\n                <div id=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-22\" class=\"collapse\"\n                     aria-labelledby=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-22\"\n                     data-parent=\"#res_collapse_gQSQMaksJy\">\n                    <div class=\"card-body\">\n\t\t\t\t\t\t<p>Sont comprises dans les frais d\u2019administration les d\u00e9penses pour la direction g\u00e9n\u00e9rale et l\u2019administration, l\u2019activit\u00e9 du Conseil de fondation, la r\u00e9vision, les travaux des sp\u00e9cialistes en caisses de pension et les \u00e9moluments des autorit\u00e9s de surveillance.<\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\n                <div class=\"card\">\n                    <a data-anchor=\"#\" class=\"collapsed\" data-toggle=\"collapse\"\n                       data-target=\"#collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-23\" aria-expanded=\"true\"\n                       aria-controls=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-23\">\n                        <div class=\"card-header d-flex justify-content-between \"\n                             id=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-23\"> \t\t\t\t\t\t\t<h4 class=\"title-collapse\"                                >Imp\u00f4t \u00e0 la source<\/h4>                        <div class=\"collapse-icon\" id=\"arrow-collapse\">\n                            <i class=\"fa-light fa-chevron-down rotate-icon\"><\/i>\n                        <\/div>\n                <\/div>\n                <\/a>\n                <div id=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-23\" class=\"collapse\"\n                     aria-labelledby=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-23\"\n                     data-parent=\"#res_collapse_gQSQMaksJy\">\n                    <div class=\"card-body\">\n\t\t\t\t\t\t<p>Pour les prestations de sortie vers\u00e9es \u00e0 des personnes assur\u00e9es qui ne sont pas domicili\u00e9es en Suisse, un imp\u00f4t \u00e0 la source est d\u00fb. La CP d\u00e9duit le montant d\u00fb directement de la prestation de sortie et le vire \u00e0 l\u2019office de l\u2019imp\u00f4t \u00e0 la source comp\u00e9tent. L\u2019imp\u00f4t \u00e0 la source est d\u00e9duit conform\u00e9ment aux dispositions pertinentes de l\u2019autorit\u00e9 fiscale du canton d\u2019Argovie si une personne percevant des prestations est domicili\u00e9e \u00e0 l\u2019\u00e9tranger.<\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\n                <div class=\"card\">\n                    <a data-anchor=\"#\" class=\"collapsed\" data-toggle=\"collapse\"\n                       data-target=\"#collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-24\" aria-expanded=\"true\"\n                       aria-controls=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-24\">\n                        <div class=\"card-header d-flex justify-content-between \"\n                             id=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-24\"> \t\t\t\t\t\t\t<h4 class=\"title-collapse\"                                >Institution suppl\u00e9tive<\/h4>                        <div class=\"collapse-icon\" id=\"arrow-collapse\">\n                            <i class=\"fa-light fa-chevron-down rotate-icon\"><\/i>\n                        <\/div>\n                <\/div>\n                <\/a>\n                <div id=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-24\" class=\"collapse\"\n                     aria-labelledby=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-24\"\n                     data-parent=\"#res_collapse_gQSQMaksJy\">\n                    <div class=\"card-body\">\n\t\t\t\t\t\t<p>L\u2019institution suppl\u00e9tive est une institution de pr\u00e9voyance. Elle assure d\u2019office les employeurs qui ne remplissent pas leurs obligations d\u2019affiliation \u00e0 une institution de pr\u00e9voyance. Une affiliation facultative \u00e0 une l\u2019institution suppl\u00e9tive est \u00e9galement possible. C\u2019est \u00e9galement \u00e0 elle que doivent \u00eatre vers\u00e9es les prestations de libre passage pour lesquelles les personnes assur\u00e9es n\u2019ont donn\u00e9 aucune indication de virement.<\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\n                <div class=\"card\">\n                    <a data-anchor=\"#\" class=\"collapsed\" data-toggle=\"collapse\"\n                       data-target=\"#collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-25\" aria-expanded=\"true\"\n                       aria-controls=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-25\">\n                        <div class=\"card-header d-flex justify-content-between \"\n                             id=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-25\"> \t\t\t\t\t\t\t<h4 class=\"title-collapse\"                                >LAI<\/h4>                        <div class=\"collapse-icon\" id=\"arrow-collapse\">\n                            <i class=\"fa-light fa-chevron-down rotate-icon\"><\/i>\n                        <\/div>\n                <\/div>\n                <\/a>\n                <div id=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-25\" class=\"collapse\"\n                     aria-labelledby=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-25\"\n                     data-parent=\"#res_collapse_gQSQMaksJy\">\n                    <div class=\"card-body\">\n\t\t\t\t\t\t<p>Loi f\u00e9d\u00e9rale sur l\u2019assurance-invalidit\u00e9 (LAI).<\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\n                <div class=\"card\">\n                    <a data-anchor=\"#\" class=\"collapsed\" data-toggle=\"collapse\"\n                       data-target=\"#collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-26\" aria-expanded=\"true\"\n                       aria-controls=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-26\">\n                        <div class=\"card-header d-flex justify-content-between \"\n                             id=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-26\"> \t\t\t\t\t\t\t<h4 class=\"title-collapse\"                                >LFLP<\/h4>                        <div class=\"collapse-icon\" id=\"arrow-collapse\">\n                            <i class=\"fa-light fa-chevron-down rotate-icon\"><\/i>\n                        <\/div>\n                <\/div>\n                <\/a>\n                <div id=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-26\" class=\"collapse\"\n                     aria-labelledby=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-26\"\n                     data-parent=\"#res_collapse_gQSQMaksJy\">\n                    <div class=\"card-body\">\n\t\t\t\t\t\t<p>Abr\u00e9viation de \u00abloi f\u00e9d\u00e9rale sur le libre passage dans la pr\u00e9voyance professionnelle vieillesse, survivants et invalidit\u00e9\u00bb.<\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\n                <div class=\"card\">\n                    <a data-anchor=\"#\" class=\"collapsed\" data-toggle=\"collapse\"\n                       data-target=\"#collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-27\" aria-expanded=\"true\"\n                       aria-controls=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-27\">\n                        <div class=\"card-header d-flex justify-content-between \"\n                             id=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-27\"> \t\t\t\t\t\t\t<h4 class=\"title-collapse\"                                >LPP<\/h4>                        <div class=\"collapse-icon\" id=\"arrow-collapse\">\n                            <i class=\"fa-light fa-chevron-down rotate-icon\"><\/i>\n                        <\/div>\n                <\/div>\n                <\/a>\n                <div id=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-27\" class=\"collapse\"\n                     aria-labelledby=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-27\"\n                     data-parent=\"#res_collapse_gQSQMaksJy\">\n                    <div class=\"card-body\">\n\t\t\t\t\t\t<p>Loi f\u00e9d\u00e9rale sur la pr\u00e9voyance professionnelle vieillesse, survivants et invalidit\u00e9; depuis 1985 une loi cadre avec des normes minimales, compl\u00e9t\u00e9e en 1995 par la loi sur le libre passage et la loi sur l\u2019encouragement \u00e0 la propri\u00e9t\u00e9 du logement. La LPP r\u00e8gle la pr\u00e9voyance professionnelle comme 2<sup>e<\/sup> pilier du syst\u00e8me suisse de pr\u00e9voyance.<\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\n                <div class=\"card\">\n                    <a data-anchor=\"#\" class=\"collapsed\" data-toggle=\"collapse\"\n                       data-target=\"#collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-28\" aria-expanded=\"true\"\n                       aria-controls=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-28\">\n                        <div class=\"card-header d-flex justify-content-between \"\n                             id=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-28\"> \t\t\t\t\t\t\t<h4 class=\"title-collapse\"                                >Liquidation partielle<\/h4>                        <div class=\"collapse-icon\" id=\"arrow-collapse\">\n                            <i class=\"fa-light fa-chevron-down rotate-icon\"><\/i>\n                        <\/div>\n                <\/div>\n                <\/a>\n                <div id=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-28\" class=\"collapse\"\n                     aria-labelledby=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-28\"\n                     data-parent=\"#res_collapse_gQSQMaksJy\">\n                    <div class=\"card-body\">\n\t\t\t\t\t\t<p>Si de nombreuses personnes salari\u00e9es quittent en m\u00eame temps la caisse de pension, il faut proc\u00e9der \u00e0 une liquidation partielle. La fortune de la caisse de pension est divis\u00e9e et les personnes sortantes peuvent emporter leur part. Selon la situation de la caisse de pension, les personnes sortantes b\u00e9n\u00e9ficient d\u2019un exc\u00e9dent de couverture ou doivent contribuer proportionnellement \u00e0 un d\u00e9couvert. L\u2019avoir de vieillesse LPP ne peut pas \u00eatre r\u00e9duit. Les conditions d\u2019une liquidation partielle sont pr\u00e9cis\u00e9es dans le R\u00e8glement de liquidation partielle.<\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\n                <div class=\"card\">\n                    <a data-anchor=\"#\" class=\"collapsed\" data-toggle=\"collapse\"\n                       data-target=\"#collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-29\" aria-expanded=\"true\"\n                       aria-controls=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-29\">\n                        <div class=\"card-header d-flex justify-content-between \"\n                             id=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-29\"> \t\t\t\t\t\t\t<h4 class=\"title-collapse\"                                >Placements<\/h4>                        <div class=\"collapse-icon\" id=\"arrow-collapse\">\n                            <i class=\"fa-light fa-chevron-down rotate-icon\"><\/i>\n                        <\/div>\n                <\/div>\n                <\/a>\n                <div id=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-29\" class=\"collapse\"\n                     aria-labelledby=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-29\"\n                     data-parent=\"#res_collapse_gQSQMaksJy\">\n                    <div class=\"card-body\">\n\t\t\t\t\t\t<p>Afin d\u2019obtenir un rendement le plus \u00e9lev\u00e9 possible sur l\u2019avoir de vieillesse afin de permettre le versement d\u2019une rente la plus importante possible, les caisses de pension investissent l\u2019argent de leurs assur\u00e9s de la mani\u00e8re la plus lucrative possible. La loi et l\u2019ordonnance r\u00e8glent les bases de la gestion de fortune.<\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\n                <div class=\"card\">\n                    <a data-anchor=\"#\" class=\"collapsed\" data-toggle=\"collapse\"\n                       data-target=\"#collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-30\" aria-expanded=\"true\"\n                       aria-controls=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-30\">\n                        <div class=\"card-header d-flex justify-content-between \"\n                             id=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-30\"> \t\t\t\t\t\t\t<h4 class=\"title-collapse\"                                >Prestation de libre passage<\/h4>                        <div class=\"collapse-icon\" id=\"arrow-collapse\">\n                            <i class=\"fa-light fa-chevron-down rotate-icon\"><\/i>\n                        <\/div>\n                <\/div>\n                <\/a>\n                <div id=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-30\" class=\"collapse\"\n                     aria-labelledby=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-30\"\n                     data-parent=\"#res_collapse_gQSQMaksJy\">\n                    <div class=\"card-body\">\n\t\t\t\t\t\t<p>Si une personne assur\u00e9e quitte l\u2019entreprise, elle a droit \u00e0 une prestation de libre passage. Cette prestation correspond au minimum au capital \u00e9pargne disponible au moment du d\u00e9part. La prestation de libre passage est transf\u00e9r\u00e9e \u00e0 l\u2019institution de pr\u00e9voyance du nouvel employeur ou, s\u2019il n\u2019y a pas encore de nouvel employeur, sur un compte de libre passage ou une police de libre passage. Un versement en esp\u00e8ces n\u2019est possible que dans certains cas pr\u00e9cis, par exemple le d\u00e9but d\u2019une activit\u00e9 ind\u00e9pendante.<\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\n                <div class=\"card\">\n                    <a data-anchor=\"#\" class=\"collapsed\" data-toggle=\"collapse\"\n                       data-target=\"#collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-31\" aria-expanded=\"true\"\n                       aria-controls=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-31\">\n                        <div class=\"card-header d-flex justify-content-between \"\n                             id=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-31\"> \t\t\t\t\t\t\t<h4 class=\"title-collapse\"                                >Provisions techniques<\/h4>                        <div class=\"collapse-icon\" id=\"arrow-collapse\">\n                            <i class=\"fa-light fa-chevron-down rotate-icon\"><\/i>\n                        <\/div>\n                <\/div>\n                <\/a>\n                <div id=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-31\" class=\"collapse\"\n                     aria-labelledby=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-31\"\n                     data-parent=\"#res_collapse_gQSQMaksJy\">\n                    <div class=\"card-body\">\n\t\t\t\t\t\t<p>Provisions constitu\u00e9es suite aux incertitudes de pronostic (long\u00e9vit\u00e9, pertes sur les retraites, fluctuations de risque, ajustement du taux de conversion, adaptations des rentes au rench\u00e9rissement, etc.). Les provisions techniques sont calcul\u00e9es par la\/le sp\u00e9cialiste en caisses de pension.<\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\n                <div class=\"card\">\n                    <a data-anchor=\"#\" class=\"collapsed\" data-toggle=\"collapse\"\n                       data-target=\"#collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-32\" aria-expanded=\"true\"\n                       aria-controls=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-32\">\n                        <div class=\"card-header d-flex justify-content-between \"\n                             id=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-32\"> \t\t\t\t\t\t\t<h4 class=\"title-collapse\"                                >Rachat\/apport<\/h4>                        <div class=\"collapse-icon\" id=\"arrow-collapse\">\n                            <i class=\"fa-light fa-chevron-down rotate-icon\"><\/i>\n                        <\/div>\n                <\/div>\n                <\/a>\n                <div id=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-32\" class=\"collapse\"\n                     aria-labelledby=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-32\"\n                     data-parent=\"#res_collapse_gQSQMaksJy\">\n                    <div class=\"card-body\">\n\t\t\t\t\t\t<p>Un rachat est un apport facultatif d\u2019une personne assur\u00e9e \u00e0 la Caisse de pension ou \u00e0 l\u2019assurance compl\u00e9mentaire. Le montant du rachat vers\u00e9 est ajout\u00e9 \u00e0 l\u2019avoir de vieillesse. Les conditions d\u2019un rachat, en particulier la somme maximale de celui-ci, sont pr\u00e9cis\u00e9es au <a href=\"https:\/\/www.hitachigroupvorsorge.ch\/wp-content\/uploads\/HIT_PK_Vorsorgereglement_F.pdf\" target=\"_blank\" rel=\"noopener\">r\u00e8glement de pr\u00e9voyance<\/a>. Avant le premier rachat, il faut remplir le formulaire de rachat et le faire parvenir \u00e0 Avadis.<\/p>\n<p>En cas de d\u00e9c\u00e8s, la somme des rachats personnels effectu\u00e9s, d\u00e9duction faite des pr\u00e9l\u00e8vements anticip\u00e9s d\u00e9volus \u00e0 la propri\u00e9t\u00e9 de logement ou aux versements en cas de divorce est vers\u00e9e aux ayants droit.<\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\n                <div class=\"card\">\n                    <a data-anchor=\"#\" class=\"collapsed\" data-toggle=\"collapse\"\n                       data-target=\"#collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-33\" aria-expanded=\"true\"\n                       aria-controls=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-33\">\n                        <div class=\"card-header d-flex justify-content-between \"\n                             id=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-33\"> \t\t\t\t\t\t\t<h4 class=\"title-collapse\"                                >Rente de partenaire<\/h4>                        <div class=\"collapse-icon\" id=\"arrow-collapse\">\n                            <i class=\"fa-light fa-chevron-down rotate-icon\"><\/i>\n                        <\/div>\n                <\/div>\n                <\/a>\n                <div id=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-33\" class=\"collapse\"\n                     aria-labelledby=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-33\"\n                     data-parent=\"#res_collapse_gQSQMaksJy\">\n                    <div class=\"card-body\">\n\t\t\t\t\t\t<p>Si une personne assur\u00e9e non mari\u00e9e a v\u00e9cu en m\u00e9nage commun au moins cinq ans sans interruption jusqu\u2019\u00e0 son d\u00e9c\u00e8s avec un partenaire non mari\u00e9 et sans liens de parent\u00e9 ou qu\u2019elle a subvenu aux besoins d\u2019un ou de plusieurs enfants communs, la\/le partenaire a le droit aux m\u00eames prestations qu\u2019un\u00b7e conjoint\u00b7e.<\/p>\n<p>Les partenaires de b\u00e9n\u00e9ficiaires d\u2019une rente de vieillesse non mari\u00e9s n\u2019ont droit \u00e0 une rente de partenaire que si le m\u00e9nage commun existait avant leur 60<sup>e<\/sup> ann\u00e9e.<\/p>\n<p>Si la\/le partenaire ne remplit pas les conditions requises pour une rente de partenaire mais que le m\u00e9nage commun a dur\u00e9 au moins cinq ans, une allocation unique est vers\u00e9e conform\u00e9ment. Le droit \u00e0 une rente de partenaire n\u2019existe pas si l\u2019ayant droit b\u00e9n\u00e9ficie d\u00e9j\u00e0 d\u2019une rente de conjoint ou de partenaire d\u2019une autre institution de pr\u00e9voyance.<\/p>\n<p>La demande de versement d\u2019une rente de partenaire doit \u00eatre adress\u00e9e au plus tard trois mois apr\u00e8s le d\u00e9c\u00e8s de la personne assur\u00e9e; si tel n\u2019est pas le cas, tout droit sera perdu.<\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\n                <div class=\"card\">\n                    <a data-anchor=\"#\" class=\"collapsed\" data-toggle=\"collapse\"\n                       data-target=\"#collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-34\" aria-expanded=\"true\"\n                       aria-controls=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-34\">\n                        <div class=\"card-header d-flex justify-content-between \"\n                             id=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-34\"> \t\t\t\t\t\t\t<h4 class=\"title-collapse\"                                >Rente de veuve\/veuf<\/h4>                        <div class=\"collapse-icon\" id=\"arrow-collapse\">\n                            <i class=\"fa-light fa-chevron-down rotate-icon\"><\/i>\n                        <\/div>\n                <\/div>\n                <\/a>\n                <div id=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-34\" class=\"collapse\"\n                     aria-labelledby=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-34\"\n                     data-parent=\"#res_collapse_gQSQMaksJy\">\n                    <div class=\"card-body\">\n\t\t\t\t\t\t<p>Au d\u00e9c\u00e8s d\u2019une personne assur\u00e9e active ou b\u00e9n\u00e9ficiaire de rente, sa conjointe ou son conjoint survivant resp. sa ou son partenaire peut pr\u00e9tendre \u00e0 une rente de veuve\/veuf resp. de partenaire. Les conditions et le montant de la rente de veuve\/veuf sont pr\u00e9cis\u00e9s dans le <a href=\"https:\/\/www.hitachigroupvorsorge.ch\/wp-content\/uploads\/HIT_PK_Vorsorgereglement_F.pdf\" target=\"_blank\" rel=\"noopener\">r\u00e8glement de pr\u00e9voyance<\/a>. Le terme de rente de conjoint\u00b7e est utilis\u00e9 comme synonyme.<\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\n                <div class=\"card\">\n                    <a data-anchor=\"#\" class=\"collapsed\" data-toggle=\"collapse\"\n                       data-target=\"#collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-35\" aria-expanded=\"true\"\n                       aria-controls=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-35\">\n                        <div class=\"card-header d-flex justify-content-between \"\n                             id=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-35\"> \t\t\t\t\t\t\t<h4 class=\"title-collapse\"                                >Rente de vieillesse<\/h4>                        <div class=\"collapse-icon\" id=\"arrow-collapse\">\n                            <i class=\"fa-light fa-chevron-down rotate-icon\"><\/i>\n                        <\/div>\n                <\/div>\n                <\/a>\n                <div id=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-35\" class=\"collapse\"\n                     aria-labelledby=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-35\"\n                     data-parent=\"#res_collapse_gQSQMaksJy\">\n                    <div class=\"card-body\">\n\t\t\t\t\t\t<p>Rente de vieillesse annuelle vers\u00e9e jusqu\u2019au d\u00e9c\u00e8s de la personne assur\u00e9e. Cette rente est vers\u00e9e en francs suisses. La rente de vieillesse \u00e9tant consid\u00e9r\u00e9e comme un revenu, elle est imposable \u00e0 ce titre.<\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\n                <div class=\"card\">\n                    <a data-anchor=\"#\" class=\"collapsed\" data-toggle=\"collapse\"\n                       data-target=\"#collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-36\" aria-expanded=\"true\"\n                       aria-controls=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-36\">\n                        <div class=\"card-header d-flex justify-content-between \"\n                             id=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-36\"> \t\t\t\t\t\t\t<h4 class=\"title-collapse\"                                >Rente d\u2019enfant d\u2019invalide<\/h4>                        <div class=\"collapse-icon\" id=\"arrow-collapse\">\n                            <i class=\"fa-light fa-chevron-down rotate-icon\"><\/i>\n                        <\/div>\n                <\/div>\n                <\/a>\n                <div id=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-36\" class=\"collapse\"\n                     aria-labelledby=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-36\"\n                     data-parent=\"#res_collapse_gQSQMaksJy\">\n                    <div class=\"card-body\">\n\t\t\t\t\t\t<p>Les b\u00e9n\u00e9ficiaires d\u2019une rente d\u2019invalidit\u00e9 peuvent pr\u00e9tendre \u00e0 une rente d\u2019enfant d\u2019invalide pour les enfants ayants droit. La rente d\u2019enfant d\u2019invalide annuelle s\u2019\u00e9l\u00e8ve pour chaque enfant ayant droit \u00e0 20% de la rente d\u2019invalidit\u00e9 vers\u00e9e. La rente d\u2019enfant d\u2019invalide est vers\u00e9e d\u00e8s le moment o\u00f9 na\u00eet le droit \u00e0 la rente d\u2019invalidit\u00e9. La rente s\u2019\u00e9teint au d\u00e9c\u00e8s de l\u2019enfant ou lorsque le droit \u00e0 la rente cesse.<\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\n                <div class=\"card\">\n                    <a data-anchor=\"#\" class=\"collapsed\" data-toggle=\"collapse\"\n                       data-target=\"#collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-37\" aria-expanded=\"true\"\n                       aria-controls=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-37\">\n                        <div class=\"card-header d-flex justify-content-between \"\n                             id=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-37\"> \t\t\t\t\t\t\t<h4 class=\"title-collapse\"                                >Rente d\u2019invalidit\u00e9<\/h4>                        <div class=\"collapse-icon\" id=\"arrow-collapse\">\n                            <i class=\"fa-light fa-chevron-down rotate-icon\"><\/i>\n                        <\/div>\n                <\/div>\n                <\/a>\n                <div id=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-37\" class=\"collapse\"\n                     aria-labelledby=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-37\"\n                     data-parent=\"#res_collapse_gQSQMaksJy\">\n                    <div class=\"card-body\">\n\t\t\t\t\t\t<p>Les personnes assur\u00e9es ont droit \u00e0 des prestations d\u2019invalidit\u00e9 si elles sont invalides au moins \u00e0 40% au sens de l\u2019assurance-invalidit\u00e9 f\u00e9d\u00e9rale (AI) et si elles \u00e9taient assur\u00e9es aupr\u00e8s de la Caisse de pension \/ assurance compl\u00e9mentaire lors de la survenance de l\u2019incapacit\u00e9 de travail dont la cause a entra\u00een\u00e9 l\u2019invalidit\u00e9.<\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\n                <div class=\"card\">\n                    <a data-anchor=\"#\" class=\"collapsed\" data-toggle=\"collapse\"\n                       data-target=\"#collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-38\" aria-expanded=\"true\"\n                       aria-controls=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-38\">\n                        <div class=\"card-header d-flex justify-content-between \"\n                             id=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-38\"> \t\t\t\t\t\t\t<h4 class=\"title-collapse\"                                >Rente d\u2019orphelin<\/h4>                        <div class=\"collapse-icon\" id=\"arrow-collapse\">\n                            <i class=\"fa-light fa-chevron-down rotate-icon\"><\/i>\n                        <\/div>\n                <\/div>\n                <\/a>\n                <div id=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-38\" class=\"collapse\"\n                     aria-labelledby=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-38\"\n                     data-parent=\"#res_collapse_gQSQMaksJy\">\n                    <div class=\"card-body\">\n\t\t\t\t\t\t<p>Les enfants ou orphelins survivants apr\u00e8s le d\u00e9c\u00e8s d\u2019une personne salari\u00e9e ou b\u00e9n\u00e9ficiaire d\u2019une rente peuvent pr\u00e9tendre \u00e0 une rente d\u2019orphelin. Les conditions et le montant de la rente d\u2019orphelin sont pr\u00e9cis\u00e9s dans le <a href=\"https:\/\/www.hitachigroupvorsorge.ch\/wp-content\/uploads\/HIT_PK_Vorsorgereglement_F.pdf\" target=\"_blank\" rel=\"noopener\">r\u00e8glement de pr\u00e9voyance<\/a>.<\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\n                <div class=\"card\">\n                    <a data-anchor=\"#\" class=\"collapsed\" data-toggle=\"collapse\"\n                       data-target=\"#collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-39\" aria-expanded=\"true\"\n                       aria-controls=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-39\">\n                        <div class=\"card-header d-flex justify-content-between \"\n                             id=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-39\"> \t\t\t\t\t\t\t<h4 class=\"title-collapse\"                                >Rente transitoire AVS<\/h4>                        <div class=\"collapse-icon\" id=\"arrow-collapse\">\n                            <i class=\"fa-light fa-chevron-down rotate-icon\"><\/i>\n                        <\/div>\n                <\/div>\n                <\/a>\n                <div id=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-39\" class=\"collapse\"\n                     aria-labelledby=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-39\"\n                     data-parent=\"#res_collapse_gQSQMaksJy\">\n                    <div class=\"card-body\">\n\t\t\t\t\t\t<p>En cas de retraite apr\u00e8s 63 ans r\u00e9volus et jusqu\u2019\u00e0 l\u2019\u00e2ge-terme, les personnes assur\u00e9es cotisantes ont droit jusqu&rsquo;\u00e0 2028 \u00e0 une rente transitoire mensuelle pour autant que la dur\u00e9e de cotisation ait \u00e9t\u00e9 de cinq ans au moins. La rente transitoire correspond \u00e0 la rente de vieillesse AVS maximale valable au moment du d\u00e9part \u00e0 la retraite. La rente transitoire est financ\u00e9e par l\u2019employeur.<\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\n                <div class=\"card\">\n                    <a data-anchor=\"#\" class=\"collapsed\" data-toggle=\"collapse\"\n                       data-target=\"#collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-40\" aria-expanded=\"true\"\n                       aria-controls=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-40\">\n                        <div class=\"card-header d-flex justify-content-between \"\n                             id=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-40\"> \t\t\t\t\t\t\t<h4 class=\"title-collapse\"                                >Repr\u00e9sentation paritaire<\/h4>                        <div class=\"collapse-icon\" id=\"arrow-collapse\">\n                            <i class=\"fa-light fa-chevron-down rotate-icon\"><\/i>\n                        <\/div>\n                <\/div>\n                <\/a>\n                <div id=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-40\" class=\"collapse\"\n                     aria-labelledby=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-40\"\n                     data-parent=\"#res_collapse_gQSQMaksJy\">\n                    <div class=\"card-body\">\n\t\t\t\t\t\t<p>Dans l\u2019organe supr\u00eame de gestion d\u2019une institution de pr\u00e9voyance, les salari\u00e9\u00b7es et l\u2019employeur sont repr\u00e9sent\u00e9s de mani\u00e8re paritaire par des d\u00e9l\u00e9gations de m\u00eame importance.<\/p>\n<p>&nbsp;<\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\n                <div class=\"card\">\n                    <a data-anchor=\"#\" class=\"collapsed\" data-toggle=\"collapse\"\n                       data-target=\"#collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-41\" aria-expanded=\"true\"\n                       aria-controls=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-41\">\n                        <div class=\"card-header d-flex justify-content-between \"\n                             id=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-41\"> \t\t\t\t\t\t\t<h4 class=\"title-collapse\"                                >Retrait de capital<\/h4>                        <div class=\"collapse-icon\" id=\"arrow-collapse\">\n                            <i class=\"fa-light fa-chevron-down rotate-icon\"><\/i>\n                        <\/div>\n                <\/div>\n                <\/a>\n                <div id=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-41\" class=\"collapse\"\n                     aria-labelledby=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-41\"\n                     data-parent=\"#res_collapse_gQSQMaksJy\">\n                    <div class=\"card-body\">\n\t\t\t\t\t\t<p>Montant pouvant \u00eatre per\u00e7u de la Caisse de pension sous forme de capital en CHF. Jusqu\u2019\u00e0 100% de l\u2019avoir de vieillesse peut \u00eatre retir\u00e9 de la Caisse de pension \u00e0 la retraite. Dans l\u2019assurance compl\u00e9mentaire 100% du capital sont vers\u00e9s. En cas de perception du capital de pr\u00e9voyance, des imp\u00f4ts uniques sont dus. Le montant de ces imp\u00f4ts d\u00e9pend du montant vers\u00e9 et du lieu de domicile.<\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\n                <div class=\"card\">\n                    <a data-anchor=\"#\" class=\"collapsed\" data-toggle=\"collapse\"\n                       data-target=\"#collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-42\" aria-expanded=\"true\"\n                       aria-controls=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-42\">\n                        <div class=\"card-header d-flex justify-content-between \"\n                             id=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-42\"> \t\t\t\t\t\t\t<h4 class=\"title-collapse\"                                >Retraite anticip\u00e9e<\/h4>                        <div class=\"collapse-icon\" id=\"arrow-collapse\">\n                            <i class=\"fa-light fa-chevron-down rotate-icon\"><\/i>\n                        <\/div>\n                <\/div>\n                <\/a>\n                <div id=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-42\" class=\"collapse\"\n                     aria-labelledby=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-42\"\n                     data-parent=\"#res_collapse_gQSQMaksJy\">\n                    <div class=\"card-body\">\n\t\t\t\t\t\t<p>Les personnes assur\u00e9es ont la possibilit\u00e9 de prendre une retraite \u00e0 partir de 58 ans. Les conditions et les effets sur les prestations de vieillesse sont pr\u00e9cis\u00e9s dans le <a href=\"https:\/\/www.hitachigroupvorsorge.ch\/wp-content\/uploads\/HIT_PK_Vorsorgereglement_F.pdf\" target=\"_blank\" rel=\"noopener\">r\u00e8glement de pr\u00e9voyance<\/a>.<\/p>\n<p>Les personnes assur\u00e9es dont les rapports de travail sont dissous par l\u2019entreprise apr\u00e8s l\u2019\u00e2ge de 55 ans r\u00e9volus peuvent demander le maintien de la couverture de pr\u00e9voyance aupr\u00e8s de la Caisse de pension.<\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\n                <div class=\"card\">\n                    <a data-anchor=\"#\" class=\"collapsed\" data-toggle=\"collapse\"\n                       data-target=\"#collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-43\" aria-expanded=\"true\"\n                       aria-controls=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-43\">\n                        <div class=\"card-header d-flex justify-content-between \"\n                             id=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-43\"> \t\t\t\t\t\t\t<h4 class=\"title-collapse\"                                >Retraite anticip\u00e9e partielle<\/h4>                        <div class=\"collapse-icon\" id=\"arrow-collapse\">\n                            <i class=\"fa-light fa-chevron-down rotate-icon\"><\/i>\n                        <\/div>\n                <\/div>\n                <\/a>\n                <div id=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-43\" class=\"collapse\"\n                     aria-labelledby=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-43\"\n                     data-parent=\"#res_collapse_gQSQMaksJy\">\n                    <div class=\"card-body\">\n\t\t\t\t\t\t<p>Les personnes assur\u00e9es ont la possibilit\u00e9 de prendre une retraite partielle \u00e0 partir de 58 ans. Les conditions et les effets sur les prestations de vieillesse sont pr\u00e9cis\u00e9s dans le <a href=\"https:\/\/www.hitachigroupvorsorge.ch\/wp-content\/uploads\/HIT_PK_Vorsorgereglement_F.pdf\" target=\"_blank\" rel=\"noopener\">r\u00e8glement de pr\u00e9voyance<\/a>.<\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\n                <div class=\"card\">\n                    <a data-anchor=\"#\" class=\"collapsed\" data-toggle=\"collapse\"\n                       data-target=\"#collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-44\" aria-expanded=\"true\"\n                       aria-controls=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-44\">\n                        <div class=\"card-header d-flex justify-content-between \"\n                             id=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-44\"> \t\t\t\t\t\t\t<h4 class=\"title-collapse\"                                >Retraite flexible<\/h4>                        <div class=\"collapse-icon\" id=\"arrow-collapse\">\n                            <i class=\"fa-light fa-chevron-down rotate-icon\"><\/i>\n                        <\/div>\n                <\/div>\n                <\/a>\n                <div id=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-44\" class=\"collapse\"\n                     aria-labelledby=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-44\"\n                     data-parent=\"#res_collapse_gQSQMaksJy\">\n                    <div class=\"card-body\">\n\t\t\t\t\t\t<p>En cas de d\u00e9part \u00e0 la retraite \u00e0 partir de 63 ans r\u00e9volus, la rente de vieillesse est calcul\u00e9e sur la base du capital \u00e9pargne disponible au moment du d\u00e9part et du taux de conversion. Les assur\u00e9s cotisants ont droit \u00e0 une rente transitoire mensuelle jusqu&rsquo;\u00e0 2028 \u00e0 partir du moment o\u00f9 ils prennent leur retraite et jusqu\u2019\u00e0 ce qu\u2019ils atteignent l\u2019\u00e2ge-terme (65 ans) pour autant que la dur\u00e9e de cotisation soit de cinq ans au moins. La rente transitoire correspond \u00e0 la rente de vieillesse AVS maximale valable au moment du d\u00e9part \u00e0 la retraite. Pour les collaborateurs travaillant \u00e0 temps partiel, la rente transitoire est r\u00e9duite sur la base du taux de travail moyen des cinq derni\u00e8res ann\u00e9es. La rente transitoire est financ\u00e9e par l\u2019employeur.<\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\n                <div class=\"card\">\n                    <a data-anchor=\"#\" class=\"collapsed\" data-toggle=\"collapse\"\n                       data-target=\"#collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-45\" aria-expanded=\"true\"\n                       aria-controls=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-45\">\n                        <div class=\"card-header d-flex justify-content-between \"\n                             id=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-45\"> \t\t\t\t\t\t\t<h4 class=\"title-collapse\"                                >R\u00e9assurance<\/h4>                        <div class=\"collapse-icon\" id=\"arrow-collapse\">\n                            <i class=\"fa-light fa-chevron-down rotate-icon\"><\/i>\n                        <\/div>\n                <\/div>\n                <\/a>\n                <div id=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-45\" class=\"collapse\"\n                     aria-labelledby=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-45\"\n                     data-parent=\"#res_collapse_gQSQMaksJy\">\n                    <div class=\"card-body\">\n\t\t\t\t\t\t<p>Ce terme d\u00e9signe la proc\u00e9dure par laquelle une institution de pr\u00e9voyance couvre les risques, en partie ou en totalit\u00e9, par le biais d\u2019un contrat d\u2019assurance collectif aupr\u00e8s d\u2019une compagnie d\u2019assurance. Contrairement \u00e0 l\u2019assurance compl\u00e9mentaire, la Caisse de pension n\u2019a pas de r\u00e9assurance.<\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\n                <div class=\"card\">\n                    <a data-anchor=\"#\" class=\"collapsed\" data-toggle=\"collapse\"\n                       data-target=\"#collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-46\" aria-expanded=\"true\"\n                       aria-controls=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-46\">\n                        <div class=\"card-header d-flex justify-content-between \"\n                             id=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-46\"> \t\t\t\t\t\t\t<h4 class=\"title-collapse\"                                >R\u00e9serve de fluctuation de valeurs<\/h4>                        <div class=\"collapse-icon\" id=\"arrow-collapse\">\n                            <i class=\"fa-light fa-chevron-down rotate-icon\"><\/i>\n                        <\/div>\n                <\/div>\n                <\/a>\n                <div id=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-46\" class=\"collapse\"\n                     aria-labelledby=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-46\"\n                     data-parent=\"#res_collapse_gQSQMaksJy\">\n                    <div class=\"card-body\">\n\t\t\t\t\t\t<p>Les r\u00e9serves de fluctuation de valeurs servent \u00e0 compenser les pertes sur les valeurs patrimoniales. Le montant des r\u00e9serves de fluctuation de valeurs n\u00e9cessaires d\u00e9pend du niveau de risque de la strat\u00e9gie d\u2019investissement choisie et de la capacit\u00e9 de risque de l\u2019institution de pr\u00e9voyance.<\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\n                <div class=\"card\">\n                    <a data-anchor=\"#\" class=\"collapsed\" data-toggle=\"collapse\"\n                       data-target=\"#collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-47\" aria-expanded=\"true\"\n                       aria-controls=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-47\">\n                        <div class=\"card-header d-flex justify-content-between \"\n                             id=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-47\"> \t\t\t\t\t\t\t<h4 class=\"title-collapse\"                                >Salaire assur\u00e9<\/h4>                        <div class=\"collapse-icon\" id=\"arrow-collapse\">\n                            <i class=\"fa-light fa-chevron-down rotate-icon\"><\/i>\n                        <\/div>\n                <\/div>\n                <\/a>\n                <div id=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-47\" class=\"collapse\"\n                     aria-labelledby=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-47\"\n                     data-parent=\"#res_collapse_gQSQMaksJy\">\n                    <div class=\"card-body\">\n\t\t\t\t\t\t<p>Salaire d\u00e9terminant pour le calcul des cotisations et prestations aupr\u00e8s de la caisse de pension\/assurance compl\u00e9mentaire. Le salaire assur\u00e9 se calcule en retirant la d\u00e9duction de coordination du salaire annuel.<\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\n                <div class=\"card\">\n                    <a data-anchor=\"#\" class=\"collapsed\" data-toggle=\"collapse\"\n                       data-target=\"#collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-48\" aria-expanded=\"true\"\n                       aria-controls=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-48\">\n                        <div class=\"card-header d-flex justify-content-between \"\n                             id=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-48\"> \t\t\t\t\t\t\t<h4 class=\"title-collapse\"                                >Syst\u00e8me de capitalisation<\/h4>                        <div class=\"collapse-icon\" id=\"arrow-collapse\">\n                            <i class=\"fa-light fa-chevron-down rotate-icon\"><\/i>\n                        <\/div>\n                <\/div>\n                <\/a>\n                <div id=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-48\" class=\"collapse\"\n                     aria-labelledby=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-48\"\n                     data-parent=\"#res_collapse_gQSQMaksJy\">\n                    <div class=\"card-body\">\n\t\t\t\t\t\t<p>La pr\u00e9voyance vieillesse professionnelle est bas\u00e9e sur la principe de la capitalisation, c\u2019est-\u00e0-dire que le capital n\u00e9cessaire pour couvrir les prestations est \u00e9pargn\u00e9 pendant l\u2019activit\u00e9 lucrative pour chaque personne assur\u00e9e. Le montant des prestations de vieillesse n\u2019est en cons\u00e9quence connu qu\u2019\u00e0 la fin du processus d\u2019\u00e9pargne.<\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\n                <div class=\"card\">\n                    <a data-anchor=\"#\" class=\"collapsed\" data-toggle=\"collapse\"\n                       data-target=\"#collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-49\" aria-expanded=\"true\"\n                       aria-controls=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-49\">\n                        <div class=\"card-header d-flex justify-content-between \"\n                             id=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-49\"> \t\t\t\t\t\t\t<h4 class=\"title-collapse\"                                >Tableaux des contributions<\/h4>                        <div class=\"collapse-icon\" id=\"arrow-collapse\">\n                            <i class=\"fa-light fa-chevron-down rotate-icon\"><\/i>\n                        <\/div>\n                <\/div>\n                <\/a>\n                <div id=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-49\" class=\"collapse\"\n                     aria-labelledby=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-49\"\n                     data-parent=\"#res_collapse_gQSQMaksJy\">\n                    <div class=\"card-body\">\n\t\t\t\t\t\t<p>Les personnes assur\u00e9es peuvent choisir entre trois tableaux des contributions diff\u00e9rents: Standard, Standard plus et Standard minus.<\/p>\n<p>Avec le tableau des contributions Standard plus, les personnes assur\u00e9es paient, volontairement, des montants de cotisation mensuels plus \u00e9lev\u00e9s \u00e0 la Caisse de pension pour accro\u00eetre leur capital \u00e9pargne. En cons\u00e9quence, la rente de vieillesse augmente \u00e9galement.<\/p>\n<p>Le tableau des contributions Standard minus s\u2019adresse aux personnes assur\u00e9es qui, compte tenu de la p\u00e9riode de vie dans laquelle elles se trouvent, ne souhaitent verser que des cotisations r\u00e9duites. Toutefois, les cotisations r\u00e9duites impliquent \u00e9galement une baisse des prestations de vieillesse. Les assurances risque pour l\u2019invalidit\u00e9 et le d\u00e9c\u00e8s restent inchang\u00e9es dans chaque tableau des contributions. L\u2019employeur verse ses cotisations ind\u00e9pendamment du choix de la personne assur\u00e9e, conform\u00e9ment au tableau Standard. Un changement de tableaux des contributions est possible pour le mois suivant. \u00c0 d\u00e9faut d\u2019avoir annonc\u00e9 son choix, la personne assur\u00e9e paie automatiquement ses cotisations conform\u00e9ment au tableau Standard.<\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\n                <div class=\"card\">\n                    <a data-anchor=\"#\" class=\"collapsed\" data-toggle=\"collapse\"\n                       data-target=\"#collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-50\" aria-expanded=\"true\"\n                       aria-controls=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-50\">\n                        <div class=\"card-header d-flex justify-content-between \"\n                             id=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-50\"> \t\t\t\t\t\t\t<h4 class=\"title-collapse\"                                >Taux de conversion<\/h4>                        <div class=\"collapse-icon\" id=\"arrow-collapse\">\n                            <i class=\"fa-light fa-chevron-down rotate-icon\"><\/i>\n                        <\/div>\n                <\/div>\n                <\/a>\n                <div id=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-50\" class=\"collapse\"\n                     aria-labelledby=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-50\"\n                     data-parent=\"#res_collapse_gQSQMaksJy\">\n                    <div class=\"card-body\">\n\t\t\t\t\t\t<p>La rente de vieillesse annuelle se calcule en multipliant l\u2019avoir de vieillesse par le taux de conversion.<\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\n                <div class=\"card\">\n                    <a data-anchor=\"#\" class=\"collapsed\" data-toggle=\"collapse\"\n                       data-target=\"#collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-51\" aria-expanded=\"true\"\n                       aria-controls=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-51\">\n                        <div class=\"card-header d-flex justify-content-between \"\n                             id=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-51\"> \t\t\t\t\t\t\t<h4 class=\"title-collapse\"                                >Taux d\u2019int\u00e9r\u00eat minimal LPP<\/h4>                        <div class=\"collapse-icon\" id=\"arrow-collapse\">\n                            <i class=\"fa-light fa-chevron-down rotate-icon\"><\/i>\n                        <\/div>\n                <\/div>\n                <\/a>\n                <div id=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-51\" class=\"collapse\"\n                     aria-labelledby=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-51\"\n                     data-parent=\"#res_collapse_gQSQMaksJy\">\n                    <div class=\"card-body\">\n\t\t\t\t\t\t<p>Le Conseil f\u00e9d\u00e9ral fixe chaque ann\u00e9e le taux d\u2019int\u00e9r\u00eat minimal auquel les institutions de pr\u00e9voyance doivent r\u00e9mun\u00e9rer les avoirs de vieillesse de la pr\u00e9voyance obligatoire (avoirs LPP).<\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\n                <div class=\"card\">\n                    <a data-anchor=\"#\" class=\"collapsed\" data-toggle=\"collapse\"\n                       data-target=\"#collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-52\" aria-expanded=\"true\"\n                       aria-controls=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-52\">\n                        <div class=\"card-header d-flex justify-content-between \"\n                             id=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-52\"> \t\t\t\t\t\t\t<h4 class=\"title-collapse\"                                >Taux d\u2019int\u00e9r\u00eat technique<\/h4>                        <div class=\"collapse-icon\" id=\"arrow-collapse\">\n                            <i class=\"fa-light fa-chevron-down rotate-icon\"><\/i>\n                        <\/div>\n                <\/div>\n                <\/a>\n                <div id=\"collapse-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-52\" class=\"collapse\"\n                     aria-labelledby=\"heading-res-collapse-block_317abe2da672b5d67c658dd1fd52db01-52\"\n                     data-parent=\"#res_collapse_gQSQMaksJy\">\n                    <div class=\"card-body\">\n\t\t\t\t\t\t<p>Le taux d\u2019int\u00e9r\u00eat technique est une valeur th\u00e9orique. Il est appliqu\u00e9 pour calculer le capital de couverture n\u00e9cessaire aux prestations de rente futures sur toute leur dur\u00e9e. Le niveau du taux d\u2019int\u00e9r\u00eat d\u00e9pend de l\u2019\u00e9volution attendue des march\u00e9s financiers.<\/p>\n<p>Plus le taux d\u2019int\u00e9r\u00eat technique est bas, plus le capital de pr\u00e9voyance d\u2019une institution de pr\u00e9voyance doit \u00eatre \u00e9lev\u00e9. Le taux d\u2019int\u00e9r\u00eat technique doit \u00eatre d\u00e9fini de mani\u00e8re \u00e0 pouvoir \u00eatre financ\u00e9 par les revenus de la fortune.<\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n\t\t        <\/div>\n\t\t        <\/div>\n    <\/section>\n\n\n\n \n\t<section id=\"res-boxes-block_1e3a98fd293ee73302909f1e5fcacdd8\" class=\"res-block res-boxes py-3 Transparent\" style=\"background: transparent;\">\n\t\t<div class=\"inner-container container-off \" data-aos=\"res-fadeIn\">\n\n\t\t\t<style>\n\t\t\t\t                \n                \n\t\t\t\t@media only screen and (min-width: 970px) {\n\t\t\t\t#res-boxes-block_1e3a98fd293ee73302909f1e5fcacdd8 .box-inner {margin-right: 40px;}\n\t\t\t\t\t\t\t\t}\n\t\t\t<\/style>\n\n\t\t\t\n\t\t\t\n\t\t\t<div id=\"res-boxes-block_1e3a98fd293ee73302909f1e5fcacdd8\" class=\"row row-cols-1 row-cols-md-4 no-gutters boxes-frame equal-boxheight \" >\n\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t<div class=\"box-item mb-3 mb-md-3 boxlayout02     box-url-link\">\n\n\t\t\t\t<div class=\"box-inner flatbox  h-100\">\n\n\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.hitachigroupvorsorge.ch\/fr\/service\/infocenter\/wissenswertes\/\" target=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postBox position-relative text-left scale-boximg \">\n\n\t\t\t\t\t\t\t<div class=\"postImg box-overlayer-img mb-1 overflow-hidden\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"800\" src=\"https:\/\/www.hitachigroupvorsorge.ch\/wp-content\/uploads\/2023\/04\/Hitachi-Group-Teaser_Wissenswertes.jpg\" class=\"img-fluid w-100\" alt=\"\" srcset=\"https:\/\/www.hitachigroupvorsorge.ch\/wp-content\/uploads\/2023\/04\/Hitachi-Group-Teaser_Wissenswertes.jpg 800w, https:\/\/www.hitachigroupvorsorge.ch\/wp-content\/uploads\/2023\/04\/Hitachi-Group-Teaser_Wissenswertes-600x600.jpg 600w, https:\/\/www.hitachigroupvorsorge.ch\/wp-content\/uploads\/2023\/04\/Hitachi-Group-Teaser_Wissenswertes-480x480.jpg 480w, https:\/\/www.hitachigroupvorsorge.ch\/wp-content\/uploads\/2023\/04\/Hitachi-Group-Teaser_Wissenswertes-768x768.jpg 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<div class=\"box-overlayer d-flex flex-column\">\n\t\t\t\t\t\t\t\t<div class=\"box-overlayer-top h-100 box-padding03\">\n\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<h4>Informations int\u00e9ressantes<\/h4>\n\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"btn  btn-text-link\"> En savoir davantage <i class=\"fa-light fa-chevron-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\n\t\t\t\t\t\t\t<div class=\"box-item mb-3 mb-md-3 boxlayout02     box-url-link\">\n\n\t\t\t\t<div class=\"box-inner flatbox  h-100\">\n\n\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.hitachigroupvorsorge.ch\/fr\/service\/informations-destinees-aux-beneficiaires-de-rente\/\" target=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postBox position-relative text-left scale-boximg \">\n\n\t\t\t\t\t\t\t<div class=\"postImg box-overlayer-img mb-1 overflow-hidden\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"800\" src=\"https:\/\/www.hitachigroupvorsorge.ch\/wp-content\/uploads\/2025\/03\/Hitachi-Group-Vorsorge_Teaser_Pensionierte.jpg\" class=\"img-fluid w-100\" alt=\"\" srcset=\"https:\/\/www.hitachigroupvorsorge.ch\/wp-content\/uploads\/2025\/03\/Hitachi-Group-Vorsorge_Teaser_Pensionierte.jpg 800w, https:\/\/www.hitachigroupvorsorge.ch\/wp-content\/uploads\/2025\/03\/Hitachi-Group-Vorsorge_Teaser_Pensionierte-600x600.jpg 600w, https:\/\/www.hitachigroupvorsorge.ch\/wp-content\/uploads\/2025\/03\/Hitachi-Group-Vorsorge_Teaser_Pensionierte-480x480.jpg 480w, https:\/\/www.hitachigroupvorsorge.ch\/wp-content\/uploads\/2025\/03\/Hitachi-Group-Vorsorge_Teaser_Pensionierte-768x768.jpg 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<div class=\"box-overlayer d-flex flex-column\">\n\t\t\t\t\t\t\t\t<div class=\"box-overlayer-top h-100 box-padding03\">\n\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<h4>Informations destin\u00e9es aux b\u00e9n\u00e9ficiaires de rente<\/h4>\n\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"btn  btn-text-link\"> En savoir davantage <i class=\"fa-light fa-chevron-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\n\t\t\t\t\t\t\t<div class=\"box-item mb-3 mb-md-3 boxlayout02     box-url-link\">\n\n\t\t\t\t<div class=\"box-inner flatbox  h-100\">\n\n\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.hitachigroupvorsorge.ch\/fr\/service\/infocenter\/persoenliche-ereignisse\/\" target=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postBox position-relative text-left scale-boximg \">\n\n\t\t\t\t\t\t\t<div class=\"postImg box-overlayer-img mb-1 overflow-hidden\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"800\" src=\"https:\/\/www.hitachigroupvorsorge.ch\/wp-content\/uploads\/2023\/04\/Hitachi-Group-Vorsorge_Teaser_Persoenliche-Ereignisse.jpg\" class=\"img-fluid w-100\" alt=\"\" srcset=\"https:\/\/www.hitachigroupvorsorge.ch\/wp-content\/uploads\/2023\/04\/Hitachi-Group-Vorsorge_Teaser_Persoenliche-Ereignisse.jpg 800w, https:\/\/www.hitachigroupvorsorge.ch\/wp-content\/uploads\/2023\/04\/Hitachi-Group-Vorsorge_Teaser_Persoenliche-Ereignisse-600x600.jpg 600w, https:\/\/www.hitachigroupvorsorge.ch\/wp-content\/uploads\/2023\/04\/Hitachi-Group-Vorsorge_Teaser_Persoenliche-Ereignisse-480x480.jpg 480w, https:\/\/www.hitachigroupvorsorge.ch\/wp-content\/uploads\/2023\/04\/Hitachi-Group-Vorsorge_Teaser_Persoenliche-Ereignisse-768x768.jpg 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<div class=\"box-overlayer d-flex flex-column\">\n\t\t\t\t\t\t\t\t<div class=\"box-overlayer-top h-100 box-padding03\">\n\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<h4>\u00c9v\u00e9nements personnels<\/h4>\n\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"btn  btn-text-link\"> En savoir davantage <i class=\"fa-light fa-chevron-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\n\t\t\t\t\t\t\t<div class=\"box-item mb-3 mb-md-3 boxlayout02     box-url-link\">\n\n\t\t\t\t<div class=\"box-inner flatbox  h-100\">\n\n\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.hitachigroupvorsorge.ch\/fr\/service\/infocenter\/fragen-und-antworten\/\" target=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postBox position-relative text-left scale-boximg \">\n\n\t\t\t\t\t\t\t<div class=\"postImg box-overlayer-img mb-1 overflow-hidden\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"800\" src=\"https:\/\/www.hitachigroupvorsorge.ch\/wp-content\/uploads\/2023\/04\/Hitachi-Group-Teaser_FAQ.jpg\" class=\"img-fluid w-100\" alt=\"\" srcset=\"https:\/\/www.hitachigroupvorsorge.ch\/wp-content\/uploads\/2023\/04\/Hitachi-Group-Teaser_FAQ.jpg 800w, https:\/\/www.hitachigroupvorsorge.ch\/wp-content\/uploads\/2023\/04\/Hitachi-Group-Teaser_FAQ-600x600.jpg 600w, https:\/\/www.hitachigroupvorsorge.ch\/wp-content\/uploads\/2023\/04\/Hitachi-Group-Teaser_FAQ-480x480.jpg 480w, https:\/\/www.hitachigroupvorsorge.ch\/wp-content\/uploads\/2023\/04\/Hitachi-Group-Teaser_FAQ-768x768.jpg 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<div class=\"box-overlayer d-flex flex-column\">\n\t\t\t\t\t\t\t\t<div class=\"box-overlayer-top h-100 box-padding03\">\n\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<h4>Questions &#038; r\u00e9ponses<\/h4>\n\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"btn  btn-text-link\"> En savoir davantage <i class=\"fa-light fa-chevron-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t\t<\/section>\n\n\n\n\t<section id=\"res-slider-content-block_729ebc6eb14ffe86b60575aba160e6cb\" class=\"res-block res-slider-content alignfull py-5 Grau\" style=\"background-color: #f4f4f4;\">\n\t\t\t\t\t<svg class=\"slider-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"907\" height=\"704\" viewBox=\"0 0 907 704\">\n  <defs>\n    <clipPath id=\"clip-path\">\n      <rect id=\"Rechteck_271\" data-name=\"Rechteck 271\" width=\"907\" height=\"704\" transform=\"translate(1163.955 5535.159)\" fill=\"#fff\" stroke=\"#707070\" stroke-width=\"1\"\/>\n    <\/clipPath>\n  <\/defs>\n  <g id=\"Gruppe_maskieren_388\" data-name=\"Gruppe maskieren 388\" transform=\"translate(2070.955 6239.159) rotate(180)\" clip-path=\"url(#clip-path)\" style=\"isolation: isolate\">\n    <g id=\"Ellipse_17\" data-name=\"Ellipse 17\" transform=\"translate(1358.955 5789.159)\" fill=\"none\" stroke=\"#fff\" stroke-width=\"50\">\n      <circle cx=\"441\" cy=\"441\" r=\"441\" stroke=\"none\"\/>\n      <circle cx=\"441\" cy=\"441\" r=\"416\" fill=\"none\"\/>\n    <\/g>\n  <\/g>\n<\/svg>\n\t\t<div class=\"inner-container container \" data-aos=\"res-fadeIn\">\n\t\t\t\t\t\t\t<div><h5 class=\"slider-thema\">SERVICES<\/h5><\/div>\n\t\t\t\t\t\t<div class=\"slider-outside-frame\n\t\t\t\tno-center-mode-desktop\t\t\t\tno-center-mode-mobile\">\n\n\t\t\t\t<style>\n                    #res-slider-content-block_729ebc6eb14ffe86b60575aba160e6cb .box-item {margin-right: 10px;}\n\t\t\t\t\t\n                    @media only screen and (min-width: 970px) {\n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\n                    }\n\t\t\t\t<\/style>\n\n\t\t\t\t\t\t\t\t\t\t\n\n\n\t\t\t\t\t\t<div id=\"res_slider_content_kWlK4LdK7m\"\n\t\t\t\t\t\t\t class=\"slider d-md-block d-block equal-boxheight\" >\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-item my-1 boxlayout01  actualites   \n\t\t\t\t\t\t\t\t\t\t\t\" data-aos=\"res-rightIncoming\">\n\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-inner shadow scale-sliderbox h-100\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.hitachigroupvorsorge.ch\/fr\/ueber-uns\/aktuelles\/\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postBox text-center\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-post-category top-line-center\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>Actualit\u00e9s<\/span>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postImg overflow-hidden\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1\" height=\"1\" src=\"https:\/\/www.hitachigroupvorsorge.ch\/wp-content\/uploads\/2023\/03\/infocenter-icon.svg\" class=\"img-fluid w-100 \" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postContent box-content h-100\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h4>Nous vous tenons au courant<\/h4>\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-item my-1 boxlayout01  telechargements   \n\t\t\t\t\t\t\t\t\t\t\t\" data-aos=\"res-rightIncoming\">\n\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-inner shadow scale-sliderbox h-100\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.hitachigroupvorsorge.ch\/fr\/service\/downloads\/\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postBox text-center\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-post-category top-line-center\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>T\u00e9l\u00e9chargements<\/span>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postImg overflow-hidden\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1\" height=\"1\" src=\"https:\/\/www.hitachigroupvorsorge.ch\/wp-content\/uploads\/2023\/03\/pdf-download-icon.svg\" class=\"img-fluid w-100 \" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postContent box-content h-100\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h4>Tous les documents importants en un clic<\/h4>\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-item my-1 boxlayout01  conseil   \n\t\t\t\t\t\t\t\t\t\t\t\" data-aos=\"res-rightIncoming\">\n\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-inner shadow scale-sliderbox h-100\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.hitachigroupvorsorge.ch\/fr\/services\/un-conseil-competent-et-humain\/\" target=\"_parent\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postBox text-center\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-post-category top-line-center\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>Conseil<\/span>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postImg overflow-hidden\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1\" height=\"1\" src=\"https:\/\/www.hitachigroupvorsorge.ch\/wp-content\/uploads\/2023\/03\/kontakt-icon.svg\" class=\"img-fluid w-100 \" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postContent box-content h-100\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h4>Un conseil comp\u00e9tent et humain<\/h4>\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\n\n\n\t\t<\/div>\n\n\t\t\t<\/section>\n\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":5,"featured_media":0,"parent":3712,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-3728","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.hitachigroupvorsorge.ch\/fr\/wp-json\/wp\/v2\/pages\/3728","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.hitachigroupvorsorge.ch\/fr\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.hitachigroupvorsorge.ch\/fr\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.hitachigroupvorsorge.ch\/fr\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/www.hitachigroupvorsorge.ch\/fr\/wp-json\/wp\/v2\/comments?post=3728"}],"version-history":[{"count":15,"href":"https:\/\/www.hitachigroupvorsorge.ch\/fr\/wp-json\/wp\/v2\/pages\/3728\/revisions"}],"predecessor-version":[{"id":7169,"href":"https:\/\/www.hitachigroupvorsorge.ch\/fr\/wp-json\/wp\/v2\/pages\/3728\/revisions\/7169"}],"up":[{"embeddable":true,"href":"https:\/\/www.hitachigroupvorsorge.ch\/fr\/wp-json\/wp\/v2\/pages\/3712"}],"wp:attachment":[{"href":"https:\/\/www.hitachigroupvorsorge.ch\/fr\/wp-json\/wp\/v2\/media?parent=3728"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}