Rachat
Chaque assuré a la possibilité d’effectuer un versement au titre de «rachat» afin d’augmenter son avoir de vieillesse (plp) au sein de sa prévoyance professionnelle.
Le montant minimum est fixé à CHF 5'000.-- par versement. Le montant de rachat est calculé en fonction de son salaire actuel. Avant de procéder au versement, il est souhaitable de contacter PRESV afin de connaître le montant maximum que l’assuré peut verser.
Un rachat peut être effectué uniquement si tous les versements anticipés LFEPL ont été remboursés.
Chaque versement effectué au plus tard 3 ans avant l'âge de la retraite peut faire l’objet d’une déduction fiscale, ce qui est intéressant fiscalement pour l’assuré.
Voici le tableau de calcul de rachat :
| Age | Plan Basic | avec MAXI | Plan Medium | avec MAXI | Plan Principal | avec MAXI | ||
| 18 | 0.0% | 0.0% | 5.6% | 8.0% | 13.3% | 16.0% | ||
| 19 | 0.0% | 0.0% | 11.3% | 16.1% | 26.7% | 32.1% | ||
| 20 | 0.0% | 0.0% | 17.1% | 24.3% | 40.3% | 48.3% | ||
| 21 | 0.0% | 0.0% | 23.1% | 32.6% | 54.1% | 64.6% | ||
| 22 | 0.0% | 0.0% | 29.1% | 41.0% | 68.1% | 81.0% | ||
| 23 | 0.0% | 0.0% | 35.3% | 49.5% | 82.3% | 97.5% | ||
| 24 | 0.0% | 0.0% | 41.6% | 58.1% | 96.6% | 114.1% | ||
| 25 | 11.5% | 14.0% | 54.9% | 73.8% | 111.2% | 130.8% | ||
| 26 | 23.2% | 28.3% | 68.4% | 89.7% | 126.0% | 147.6% | ||
| 27 | 35.2% | 42.8% | 82.1% | 105.8% | 140.9% | 164.5% | ||
| 28 | 47.4% | 57.7% | 96.2% | 122.1% | 156.1% | 181.5% | ||
| 29 | 59.8% | 72.9% | 110.5% | 138.7% | 171.5% | 198.6% | ||
| 30 | 72.5% | 88.3% | 125.1% | 155.4% | 187.1% | 215.8% | ||
| 31 | 85.5% | 104.1% | 140.0% | 172.3% | 202.9% | 233.2% | ||
| 32 | 98.7% | 120.2% | 155.2% | 189.4% | 218.9% | 250.6% | ||
| 33 | 112.2% | 136.6% | 170.7% | 206.7% | 235.1% | 268.1% | ||
| 34 | 125.9% | 153.3% | 186.5% | 224.3% | 251.6% | 285.8% | ||
| 35 | 139.9% | 170.4% | 202.7% | 242.0% | 268.3% | 303.5% | ||
| 36 | 154.2% | 187.8% | 219.1% | 260.0% | 285.2% | 321.4% | ||
| 37 | 168.8% | 205.5% | 235.9% | 278.2% | 302.3% | 339.4% | ||
| 38 | 183.7% | 223.6% | 253.0% | 296.7% | 319.7% | 357.5% | ||
| 39 | 198.9% | 242.1% | 270.5% | 315.3% | 337.3% | 375.6% | ||
| 40 | 214.4% | 260.9% | 288.3% | 334.2% | 355.2% | 394.0% | ||
| 41 | 230.1% | 280.2% | 306.4% | 353.3% | 373.3% | 412.4% | ||
| 42 | 246.2% | 299.8% | 325.0% | 372.7% | 391.6% | 430.9% | ||
| 43 | 262.7% | 319.8% | 343.9% | 392.3% | 410.2% | 449.6% | ||
| 44 | 279.4% | 340.2% | 363.2% | 412.1% | 429.0% | 468.3% | ||
| 45 | 296.5% | 361.0% | 382.8% | 432.2% | 448.2% | 487.2% | ||
| 46 | 313.9% | 382.2% | 402.9% | 452.5% | 467.5% | 506.2% | ||
| 47 | 331.7% | 403.8% | 423.3% | 473.1% | 487.1% | 525.3% | ||
| 48 | 349.9% | 425.9% | 444.2% | 493.9% | 507.0% | 544.5% | ||
| 49 | 368.3% | 448.4% | 465.5% | 515.0% | 527.2% | 563.9% | ||
| 50 | 387.2% | 471.4% | 487.2% | 536.3% | 547.7% | 583.3% | ||
| 51 | 406.5% | 494.8% | 509.3% | 558.0% | 568.4% | 602.9% | ||
| 52 | 426.1% | 518.7% | 531.9% | 579.8% | 589.4% | 622.6% | ||
| 53 | 446.1% | 543.1% | 555.0% | 602.0% | 610.7% | 642.4% | ||
| 54 | 466.5% | 568.0% | 578.5% | 624.4% | 632.3% | 662.4% | ||
| 55 | 487.4% | 593.3% | 602.4% | 647.1% | 654.1% | 682.4% | ||
| 56 | 508.6% | 619.2% | 626.9% | 670.1% | 676.3% | 702.6% | ||
| 57 | 530.3% | 645.6% | 651.8% | 693.3% | 698.8% | 722.9% | ||
| 58 | 552.4% | 672.5% | 677.2% | 716.9% | 721.6% | 743.4% | ||
| 59 | 574.9% | 699.9% | 703.2% | 740.7% | 744.7% | 763.9% | ||
| 60 | 597.9% | 727.9% | 729.7% | 764.8% | 768.1% | 784.6% | ||
| 61 | 621.4% | 756.5% | 756.6% | 789.3% | 791.8% | 805.4% | ||
| 62 | 645.3% | 785.6% | 784.2% | 814.0% | 815.9% | 826.4% | ||
| 63 | 669.7% | 815.3% | 812.3% | 839.0% | 840.2% | 847.5% | ||
| 64 | 694.6% | 845.6% | 840.9% | 864.3% | 864.9% | 868.7% | ||
| 65 | 720.0% | 876.5% | 870.1% | 890.0% | 890.0% | 890.0% |
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