{"id":18110,"date":"2025-12-10T08:40:00","date_gmt":"2025-12-10T07:40:00","guid":{"rendered":"https:\/\/www.swisscanto-flex.ch\/?p=18110"},"modified":"2025-12-10T08:45:12","modified_gmt":"2025-12-10T07:45:12","slug":"swisscanto-flex-fondation-collective-renforce-les-rentes-de-vieillesse-au-1er-janvier-2026","status":"publish","type":"post","link":"https:\/\/www.swisscanto-flex.ch\/fr\/swisscanto-flex-fondation-collective-renforce-les-rentes-de-vieillesse-au-1er-janvier-2026\/","title":{"rendered":"Swisscanto Flex Fondation Collective renforce les rentes de vieillesse au 1er janvier 2026"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"18110\" class=\"elementor elementor-18110 elementor-18038\" data-elementor-settings=\"{&quot;ha_cmc_init_switcher&quot;:&quot;no&quot;}\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-768a1be elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"768a1be\" data-element_type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1af6651\" data-id=\"1af6651\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-913465f elementor-widget elementor-widget-text-editor\" data-id=\"913465f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Une raison qui pousse souvent les personnes assur\u00e9es \u00e0 opter pour le versement d\u2019un capital plut\u00f4t que pour celui d\u2019une rente est la crainte que, si elles d\u00e9c\u00e8dent rapidement apr\u00e8s leur d\u00e9part \u00e0 la retraite, le capital qu\u2019elles ont \u00e9pargn\u00e9 soit perdu et que les survivantes et survivants ne puissent plus en profiter. C\u2019est pr\u00e9cis\u00e9ment cela que pallie la nouvelle protection des rentes de Swisscanto\u00a0Flex\u00a0Fondation\u00a0Collective.<\/p>\n<p><strong>Fonctionnement de la protection des rentes<\/strong><\/p>\n<p>La nouvelle protection des rentes offre une protection suppl\u00e9mentaire aux survivantes et survivants. Jusqu\u2019\u00e0 pr\u00e9sent, si le ou la b\u00e9n\u00e9ficiaire d\u2019une rente d\u00e9c\u00e9dait, son conjoint ou sa conjointe recevait 60%<sup>1<\/sup> de la rente mensuelle. Avec la protection des rentes, une somme correspondant aux 40% restants lui sera en plus vers\u00e9e en une fois. La prestation sera vers\u00e9e aux b\u00e9n\u00e9ficiaires conform\u00e9ment au r\u00e8glement. Le versement mensuel de la rente \u00e0 hauteur de 60% se poursuivra normalement. Pour les personnes non mari\u00e9es, la part de rente non utilis\u00e9e sera vers\u00e9e aux survivantes et survivants sous forme de prestation en capital unique conform\u00e9ment \u00e0 la clause b\u00e9n\u00e9ficiaire figurant dans le r\u00e8glement.<\/p>\n<p>En introduisant ces changements, nous aiderons les personnes retrait\u00e9es \u00e0 choisir plus facilement la solution de pr\u00e9voyance qui leur convient le mieux.<\/p>\n<p><strong>M\u00eame taux de conversion pour les femmes et les hommes<\/strong><\/p>\n<p>Parall\u00e8lement, le taux de conversion pour les hommes \u00e0 l\u2019\u00e2ge ordinaire de la retraite de 65\u00a0ans passera de 5,1% \u00e0 5,25%. \u00c0 cet \u00e2ge, les femmes b\u00e9n\u00e9ficient d\u00e9j\u00e0 d\u2019un taux de conversion de 5,25%. Ainsi, \u00e0 partir du 1<sup>er<\/sup>\u00a0janvier\u00a02026, des taux identiques s\u2019appliqueront aux hommes et aux femmes du m\u00eame \u00e2ge. Cela entra\u00eenera une l\u00e9g\u00e8re augmentation des nouvelles rentes de vieillesse pour les hommes et une plus grande \u00e9galit\u00e9 de traitement.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c9f5f4b elementor-widget elementor-widget-text-editor\" data-id=\"c9f5f4b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Exemple de protection des rentes pour une personne mari\u00e9e<\/strong><\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c221c55 elementor-widget elementor-widget-video\" data-id=\"c221c55\" data-element_type=\"widget\" data-settings=\"{&quot;video_type&quot;:&quot;hosted&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;play_on_mobile&quot;:&quot;yes&quot;,&quot;mute&quot;:&quot;yes&quot;,&quot;loop&quot;:&quot;yes&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-hosted-video elementor-wrapper elementor-open-inline\">\n\t\t\t\t\t<video class=\"elementor-video\" src=\"https:\/\/www.swisscanto-flex.ch\/wp-content\/uploads\/2026\/12\/Swisscanto_Rentenschutz_FR.mp4\" autoplay=\"\" loop=\"\" controls=\"\" muted=\"muted\" playsinline=\"\" controlsList=\"nodownload\"><\/video>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6ed0744 elementor-widget elementor-widget-text-editor\" data-id=\"6ed0744\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Un homme mari\u00e9 prend sa retraite \u00e0 65\u00a0ans. \u00c0 ce moment, son capital vieillesse s\u2019\u00e9l\u00e8ve \u00e0 CHF\u00a0500\u2019000. Sa rente de vieillesse annuelle s\u2019\u00e9l\u00e8ve \u00e0 CHF\u00a026\u2019250 (500\u00a0000\u00a0\u00d7\u00a0taux de conversion de 5,25%\u00a0=\u00a026\u2019250). Il d\u00e9c\u00e8de \u00e0 l\u2019\u00e2ge de 68\u00a0ans. Sa femme per\u00e7oit d\u00e9sormais 60% de la rente de vieillesse annuelle (CHF\u00a015\u2019750) jusqu\u2019\u00e0 la fin de sa vie. En outre, pour les sept derni\u00e8res ann\u00e9es de la p\u00e9riode de protection des rentes, elle touche en une fois une somme correspondant aux 40% restants (40% de 7\u00a0\u00d7\u00a026\u2019250\u00a0=\u00a0CHF 73\u2019500).<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fb6a9b6 elementor-widget elementor-widget-text-editor\" data-id=\"fb6a9b6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Exemple de protection des rentes pour une personne non mari\u00e9e<\/strong><\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-71090d1 ha-has-bg-overlay elementor-widget elementor-widget-video\" data-id=\"71090d1\" data-element_type=\"widget\" data-settings=\"{&quot;video_type&quot;:&quot;hosted&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;play_on_mobile&quot;:&quot;yes&quot;,&quot;mute&quot;:&quot;yes&quot;,&quot;loop&quot;:&quot;yes&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-hosted-video elementor-wrapper elementor-open-inline\">\n\t\t\t\t\t<video class=\"elementor-video\" src=\"https:\/\/www.swisscanto-flex.ch\/wp-content\/uploads\/2026\/12\/Swisscanto_Rentenschutz_ledig_FR.mp4\" autoplay=\"\" loop=\"\" controls=\"\" muted=\"muted\" playsinline=\"\" controlsList=\"nodownload\"><\/video>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-125df3b elementor-widget elementor-widget-text-editor\" data-id=\"125df3b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Une femme c\u00e9libataire prend sa retraite \u00e0 65\u00a0ans. Son capital de vieillesse s\u2019\u00e9l\u00e8ve \u00e0 CHF\u00a0500\u2019000 et sa rente de vieillesse annuelle \u00e0 CHF\u00a026\u2019250. Elle d\u00e9c\u00e8de \u00e0 l\u2019\u00e2ge de 72\u00a0ans. La part de rente non utilis\u00e9e pour les trois ann\u00e9es restantes est vers\u00e9e aux survivantes et survivants sous forme de prestation en capital unique, conform\u00e9ment \u00e0 la clause b\u00e9n\u00e9ficiaire figurant dans le r\u00e8glement. Dans ce cas-ci, le montant s\u2019\u00e9l\u00e8ve \u00e0 CHF\u00a078\u2019750 (3\u00a0\u00d7\u00a026\u2019250).<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9dedaa1 elementor-widget elementor-widget-text-editor\" data-id=\"9dedaa1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Une solution de pr\u00e9voyance simple et s\u00fbre<\/strong><\/p>\n<p>Ces changements ont \u00e9t\u00e9 d\u00e9lib\u00e9r\u00e9ment con\u00e7us de mani\u00e8re simple: la protection des rentes sera automatiquement incluse dans chaque rente de vieillesse, sans que les personnes assur\u00e9es aient \u00e0 faire un choix suppl\u00e9mentaire ou \u00e0 accepter une r\u00e9duction de rente. Le financement sera assur\u00e9 par la fondation; aucuns frais suppl\u00e9mentaires ne seront \u00e0 la charge des personnes assur\u00e9es. Celles-ci auront toujours le choix entre une rente, un versement en capital ou une combinaison des deux.<\/p>\n<p>Avec ces ajustements, nous voulons avant tout mieux couvrir les personnes qui ne peuvent s\u2019offrir des conseils financiers. Nous rendons les rentes plus attrayantes et facilitons le choix entre la rente et le capital, dans l\u2019esprit d\u2019une pr\u00e9voyance vieillesse fiable et \u00e0 vie.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c274adb elementor-widget elementor-widget-text-editor\" data-id=\"c274adb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Remarque l\u00e9gale:<\/strong> les valeurs indiqu\u00e9es sont purement informatives et des exemples de mod\u00e8le. En cas d\u2019assurance, les prestations sont recalcul\u00e9es conform\u00e9ment au r\u00e8glement et en fonction des donn\u00e9es de base du moment. Il n\u2019existe donc aucun droit l\u00e9gal aux prestations de pr\u00e9voyance susmentionn\u00e9es.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c82603e elementor-widget elementor-widget-text-editor\" data-id=\"c82603e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><sup>1<\/sup>\u00a0Pour les personnes b\u00e9n\u00e9ficiaires d\u2019une rente de vieillesse pour lesquelles le montant de la rente de conjoint correspond \u00e0 un pourcentage diff\u00e9rent de la rente de vieillesse, le conjoint survivant ou la conjointe survivante continue de percevoir ladite rente et la diff\u00e9rence par rapport aux rentes encore dues lui est vers\u00e9e en une fois.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f0d3843 elementor-widget elementor-widget-heading\" data-id=\"f0d3843\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Questions et r\u00e9ponses (Q&amp;R)<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2210b09 elementor-widget elementor-widget-ucaddon_uc_icon_accordion\" data-id=\"2210b09\" data-element_type=\"widget\" data-widget_type=\"ucaddon_uc_icon_accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n<!-- start Icon Accordion -->\n\t\t<link id='font-awesome-css' href='https:\/\/www.swisscanto-flex.ch\/wp-content\/plugins\/unlimited-elements-for-elementor-premium\/assets_libraries\/font-awesome6\/fontawesome-all.min.css' type='text\/css' rel='stylesheet' >\n\t\t<link id='font-awesome-4-shim-css' href='https:\/\/www.swisscanto-flex.ch\/wp-content\/plugins\/unlimited-elements-for-elementor-premium\/assets_libraries\/font-awesome6\/fontawesome-v4-shims.min.css' type='text\/css' rel='stylesheet' >\n\n<style>\/* widget: Icon Accordion *\/\n\n#uc_uc_icon_accordion_elementor_2210b09 *{\n\tbox-sizing: border-box;\n}\n#uc_uc_icon_accordion_elementor_2210b09 .uc_container .uc-heading\n{\n\tcursor:pointer;\n    display:flex;\n    align-items:center;\n    transition:0.3s;\n}\n#uc_uc_icon_accordion_elementor_2210b09 .uc_container .uc-heading span.bbb\n{\n\tdisplay:block;\n\t\n}\n#uc_uc_icon_accordion_elementor_2210b09 .uc_ac_box.uc-item-active span.uc_dactive\n{\n\tdisplay:none;\n}\n#uc_uc_icon_accordion_elementor_2210b09 .uc_ac_box:not(.uc-item-active) span.uc_active\n{\n\tdisplay:none;\n}\n\n#uc_uc_icon_accordion_elementor_2210b09 .ue_icon_holder,\n#uc_uc_icon_accordion_elementor_2210b09 .ue_icon_spacing\n{\n  flex-grow:0;\n  flex-shrink:0; \n}\n#uc_uc_icon_accordion_elementor_2210b09 .uc_content{\n\tdisplay: none;\n}\n#uc_uc_icon_accordion_elementor_2210b09 .ue_icon\n{\n  display:flex;\n  justify-content:center;\n  align-items:center;\n  line-height:1em;\n  transition:0.3s;\n}\n\n#uc_uc_icon_accordion_elementor_2210b09 .ue_icon svg\n{\n  height:1em;\n  width:1em;\n}\n\n#uc_uc_icon_accordion_elementor_2210b09 .ue_expand_inside\n{\n  display:flex;\n  justify-content:center;\n  align-items:center;\n  line-height:1em;\n}\n\n#uc_uc_icon_accordion_elementor_2210b09 .ue_expand_inside svg\n{\n  height:1em;\n  width:1em;\n}\n\n#uc_uc_icon_accordion_elementor_2210b09 .ue_expand,\n#uc_uc_icon_accordion_elementor_2210b09 .ue_expand_spacing\n{\n  flex-grow:0;\n  flex-shrink:0;\n}\n\n#uc_uc_icon_accordion_elementor_2210b09 .ue_title\n{\n  flex-grow:1;\n}\n\n#uc_uc_icon_accordion_elementor_2210b09 .uc_ac_box:last-child\n{\n  margin-bottom:0px;\n}\n\n#uc_uc_icon_accordion_elementor_2210b09 .uc_ac_box\n{\n  overflow:hidden;\n}\n#uc_uc_icon_accordion_elementor_2210b09_item1 .ue_icon\n{\n  background-color:;\n}\n\n#uc_uc_icon_accordion_elementor_2210b09_item1 .ue-heading\n{\n  background-color:;\n}\n#uc_uc_icon_accordion_elementor_2210b09_item2 .ue_icon\n{\n  background-color:;\n}\n\n#uc_uc_icon_accordion_elementor_2210b09_item2 .ue-heading\n{\n  background-color:;\n}\n#uc_uc_icon_accordion_elementor_2210b09_item3 .ue_icon\n{\n  background-color:;\n}\n\n#uc_uc_icon_accordion_elementor_2210b09_item3 .ue-heading\n{\n  background-color:;\n}\n#uc_uc_icon_accordion_elementor_2210b09_item4 .ue_icon\n{\n  background-color:;\n}\n\n#uc_uc_icon_accordion_elementor_2210b09_item4 .ue-heading\n{\n  background-color:;\n}\n#uc_uc_icon_accordion_elementor_2210b09_item5 .ue_icon\n{\n  background-color:;\n}\n\n#uc_uc_icon_accordion_elementor_2210b09_item5 .ue-heading\n{\n  background-color:;\n}\n#uc_uc_icon_accordion_elementor_2210b09_item6 .ue_icon\n{\n  background-color:;\n}\n\n#uc_uc_icon_accordion_elementor_2210b09_item6 .ue-heading\n{\n  background-color:;\n}\n\n\n<\/style>\n\n<div class=\"uc_material_accordion \" id=\"uc_uc_icon_accordion_elementor_2210b09\" data-name=\"\" data-closeothers=\"true\" >\n    \t<div class=\"uc_container\">\n            \n\n<div class=\"uc_ac_box \">\n  <div class=\"uc-heading uc_trigger\">\n    \n        \n    <div class=\"ue_title\">La protection des rentes s\u2019applique-t-elle \u00e9galement aux personnes d\u00e9j\u00e0 retrait\u00e9es?<\/div>\n    \n    \n        <div class=\"ue_expand_spacing\"><\/div>\n    <div class=\"ue_expand\">\n      <div class=\"ue_expand_inside\">\n      <span class=\"uc_dactive bbb ue_accordion_icon\" ><i class='icon icon-sc-arrow1-down'><\/i><\/span>\n      <span class=\"uc_active bbb ue_accordion_icon\"><i class='icon icon-sc-arrow1-up'><\/i><\/span>\n      <\/div>\n    <\/div>\n        \n  <\/div>\n  <!-- end of heading -->\n  \n  \n  <div class=\"uc_content\" >\n          <p>Oui, la protection des rentes s\u2019applique \u00e9galement aux rentes de vieillesse existantes, pour autant que moins de dix ans se soient \u00e9coul\u00e9s depuis le d\u00e9but du versement de la rente et que les personnes aient moins de 75\u00a0ans. Pour les personnes ayant pris une retraite anticip\u00e9e, la protection est \u00e9galement valable pendant dix ans \u00e0 compter du d\u00e9but de la rente individuelle.<\/p>\n\n     \n    \n     \n    \n  <\/div>\n<\/div>\n\n\n<div class=\"uc_ac_box \">\n  <div class=\"uc-heading uc_trigger\">\n    \n        \n    <div class=\"ue_title\">Dois-je entreprendre des d\u00e9marches pour b\u00e9n\u00e9ficier de la protection des rentes?<\/div>\n    \n    \n        <div class=\"ue_expand_spacing\"><\/div>\n    <div class=\"ue_expand\">\n      <div class=\"ue_expand_inside\">\n      <span class=\"uc_dactive bbb ue_accordion_icon\" ><i class='icon icon-sc-arrow1-down'><\/i><\/span>\n      <span class=\"uc_active bbb ue_accordion_icon\"><i class='icon icon-sc-arrow1-up'><\/i><\/span>\n      <\/div>\n    <\/div>\n        \n  <\/div>\n  <!-- end of heading -->\n  \n  \n  <div class=\"uc_content\" >\n          <p>Non, la protection des rentes de vieillesse est automatiquement incluse dans la perception de la rente \u00e0 partir du 1<sup>er<\/sup>\u00a0janvier\u00a02026 et n\u2019entra\u00eene aucune r\u00e9duction de la rente.<\/p>\n\n     \n    \n     \n    \n  <\/div>\n<\/div>\n\n\n<div class=\"uc_ac_box \">\n  <div class=\"uc-heading uc_trigger\">\n    \n        \n    <div class=\"ue_title\">Le nouveau taux de conversion de 5,25% s\u2019applique-t-il \u00e0 tout le monde?<\/div>\n    \n    \n        <div class=\"ue_expand_spacing\"><\/div>\n    <div class=\"ue_expand\">\n      <div class=\"ue_expand_inside\">\n      <span class=\"uc_dactive bbb ue_accordion_icon\" ><i class='icon icon-sc-arrow1-down'><\/i><\/span>\n      <span class=\"uc_active bbb ue_accordion_icon\"><i class='icon icon-sc-arrow1-up'><\/i><\/span>\n      <\/div>\n    <\/div>\n        \n  <\/div>\n  <!-- end of heading -->\n  \n  \n  <div class=\"uc_content\" >\n          <p>Le taux de conversion major\u00e9 s\u2019applique aux hommes qui partent \u00e0 la retraite \u00e0 l\u2019\u00e2ge ordinaire de 65\u00a0ans \u00e0 partir du 1<sup>er<\/sup>\u00a0janvier\u00a02026. Pour les femmes, rien ne change, car elles b\u00e9n\u00e9ficiaient d\u00e9j\u00e0 de ce taux. Le nouveau taux de conversion ne s\u2019applique pas non plus aux rentes existantes.<\/p>\n\n     \n    \n     \n    \n  <\/div>\n<\/div>\n\n\n<div class=\"uc_ac_box \">\n  <div class=\"uc-heading uc_trigger\">\n    \n        \n    <div class=\"ue_title\">Que se passe-t-il si je per\u00e7ois mon avoir de vieillesse sous forme de capital?<\/div>\n    \n    \n        <div class=\"ue_expand_spacing\"><\/div>\n    <div class=\"ue_expand\">\n      <div class=\"ue_expand_inside\">\n      <span class=\"uc_dactive bbb ue_accordion_icon\" ><i class='icon icon-sc-arrow1-down'><\/i><\/span>\n      <span class=\"uc_active bbb ue_accordion_icon\"><i class='icon icon-sc-arrow1-up'><\/i><\/span>\n      <\/div>\n    <\/div>\n        \n  <\/div>\n  <!-- end of heading -->\n  \n  \n  <div class=\"uc_content\" >\n          <p>La protection des rentes s\u2019applique uniquement \u00e0 la part de rente. Si vous choisissez de percevoir la totalit\u00e9 de votre capital, vous n\u2019avez pas droit aux prestations de protection des rentes.<\/p>\n\n     \n    \n     \n    \n  <\/div>\n<\/div>\n\n\n<div class=\"uc_ac_box \">\n  <div class=\"uc-heading uc_trigger\">\n    \n        \n    <div class=\"ue_title\">Les changements auront-ils des r\u00e9percussions sur les autres rentes?<\/div>\n    \n    \n        <div class=\"ue_expand_spacing\"><\/div>\n    <div class=\"ue_expand\">\n      <div class=\"ue_expand_inside\">\n      <span class=\"uc_dactive bbb ue_accordion_icon\" ><i class='icon icon-sc-arrow1-down'><\/i><\/span>\n      <span class=\"uc_active bbb ue_accordion_icon\"><i class='icon icon-sc-arrow1-up'><\/i><\/span>\n      <\/div>\n    <\/div>\n        \n  <\/div>\n  <!-- end of heading -->\n  \n  \n  <div class=\"uc_content\" >\n          <p>Non, les nouveaut\u00e9s ne concernent que les rentes de vieillesse. Les autres rentes restent inchang\u00e9es.<\/p>\n\n     \n    \n     \n    \n  <\/div>\n<\/div>\n\n\n<div class=\"uc_ac_box \">\n  <div class=\"uc-heading uc_trigger\">\n    \n        \n    <div class=\"ue_title\">Pourquoi Swisscanto Flex Fondation Collective proc\u00e8de-t-elle \u00e0 ces ajustements?<\/div>\n    \n    \n        <div class=\"ue_expand_spacing\"><\/div>\n    <div class=\"ue_expand\">\n      <div class=\"ue_expand_inside\">\n      <span class=\"uc_dactive bbb ue_accordion_icon\" ><i class='icon icon-sc-arrow1-down'><\/i><\/span>\n      <span class=\"uc_active bbb ue_accordion_icon\"><i class='icon icon-sc-arrow1-up'><\/i><\/span>\n      <\/div>\n    <\/div>\n        \n  <\/div>\n  <!-- end of heading -->\n  \n  \n  <div class=\"uc_content\" >\n          <p>Nous souhaitons offrir une meilleure protection dans le cas tragique d\u2019un d\u00e9c\u00e8s survenant rapidement apr\u00e8s le d\u00e9part \u00e0 la retraite, renforcer l\u2019\u00e9galit\u00e9 de traitement entre hommes et femmes et rendre le versement de rentes plus attrayant par rapport au versement en capital.<\/p>\n\n     \n    \n     \n    \n  <\/div>\n<\/div>\n\n        <\/div>\n<\/div>\n<!-- end Icon Accordion -->\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-01ca7d1 elementor-widget elementor-widget-button\" data-id=\"01ca7d1\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.swisscanto-flex.ch\/wp-content\/uploads\/2025\/12\/Rentenschutz-FAQ_FR.pdf\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-sc-arrow3-right\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">FAQ compl\u00e8te<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-87017ce elementor-widget elementor-widget-button\" data-id=\"87017ce\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.swisscanto-flex.ch\/wp-content\/uploads\/2025\/12\/Rentenschutz-Infoblatt_FR.pdf\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-sc-arrow3-right\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Fiche d\u2019information<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8aff5fc elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8aff5fc\" data-element_type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3a311c9\" data-id=\"3a311c9\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-0d97431 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0d97431\" data-element_type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-0391b59\" data-id=\"0391b59\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-8981fda\" data-id=\"8981fda\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Swisscanto Flex Fondation Collective offrira des prestations de rente am\u00e9lior\u00e9es \u00e0 partir du 1er janvier 2026. Les principales nouveaut\u00e9s sont la protection des rentes pendant dix ans jusqu\u2019\u00e0 l\u2019\u00e2ge de 75 ans ainsi qu\u2019un taux de conversion plus \u00e9lev\u00e9 pour les hommes. L\u2019institution propose ainsi une solution de pr\u00e9voyance simple, moderne et s\u00fbre. <\/p>\n","protected":false},"author":2,"featured_media":18041,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[51],"tags":[],"class_list":["post-18110","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-non-classifiee"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.1.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Swisscanto Flex Fondation Collective renforce les rentes de vieillesse au 1er janvier 2026 - Swisscanto Flex<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.swisscanto-flex.ch\/fr\/swisscanto-flex-fondation-collective-renforce-les-rentes-de-vieillesse-au-1er-janvier-2026\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Swisscanto Flex Fondation Collective renforce les rentes de vieillesse au 1er janvier 2026 - Swisscanto Flex\" \/>\n<meta property=\"og:description\" content=\"Swisscanto Flex Fondation Collective offrira des prestations de rente am\u00e9lior\u00e9es \u00e0 partir du 1er janvier 2026. Les principales nouveaut\u00e9s sont la protection des rentes pendant dix ans jusqu\u2019\u00e0 l\u2019\u00e2ge de 75 ans ainsi qu\u2019un taux de conversion plus \u00e9lev\u00e9 pour les hommes. 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