{"id":39590,"date":"2025-07-16T05:07:46","date_gmt":"2025-07-16T03:07:46","guid":{"rendered":"https:\/\/www.m-q.ch\/?p=21689"},"modified":"2025-07-15T18:23:30","modified_gmt":"2025-07-15T16:23:30","slug":"schweizer-pensionszusagen-verfuegen-weiterhin-ueber-hohe-deckung","status":"publish","type":"post","link":"https:\/\/www.organisator.ch\/fr\/operational-excellence\/2025-07-16\/schweizer-pensionszusagen-verfuegen-weiterhin-ueber-hohe-deckung\/","title":{"rendered":"Les engagements de pension suisses continuent de b\u00e9n\u00e9ficier d'une couverture \u00e9lev\u00e9e"},"content":{"rendered":"
\"\"\r\n
source : WTW<\/figcaption>\r\n<\/figure>\r\n

Selon le WTW Swiss Pension Finance Watch pour le deuxi\u00e8me trimestre 2025, les engagements de pension suisses disposent toujours d'une couverture \u00e9lev\u00e9e malgr\u00e9 un recul au deuxi\u00e8me trimestre et une volatilit\u00e9 globale. Les actifs sont rest\u00e9s globalement inchang\u00e9s au deuxi\u00e8me trimestre 2025, tandis que les engagements ont augment\u00e9 de 1,0 % en raison d'une l\u00e9g\u00e8re baisse des taux d'actualisation. En cons\u00e9quence, le taux de couverture (c'est-\u00e0-dire le rapport entre les actifs de pension et les obligations de pension) s'est d\u00e9t\u00e9rior\u00e9 de 1,3% au deuxi\u00e8me trimestre, comme le montre l'indice de pension WTW. Il est pass\u00e9 de 125,5 % au 31 mars 2025 \u00e0 124,2 % au 30 juin 2025.<\/p>\r\n

Les obligations d'entreprises ont \u00e9t\u00e9 volatiles au deuxi\u00e8me trimestre, mais finalement, le taux d'actualisation n'a que peu \u00e9volu\u00e9 sur le trimestre, diminuant de 3 points de base. Cela n'a eu qu'un impact modeste sur les engagements de pension dans les bilans des entreprises. Les march\u00e9s des placements ont \u00e9galement \u00e9t\u00e9 volatils au cours du trimestre, les cat\u00e9gories d'actifs typiques des fonds de pension ayant baiss\u00e9 d'environ 5 % au cours de la premi\u00e8re semaine du deuxi\u00e8me trimestre, avant de se redresser et de terminer le trimestre pratiquement sans changement.<\/p>\r\n

R\u00e9silience malgr\u00e9 les vents contraires : les caisses de pension suisses restent financi\u00e8rement stables<\/strong><\/h3>\r\n

Apr\u00e8s une forte hausse au premier trimestre 2025 et une l\u00e9g\u00e8re baisse au deuxi\u00e8me trimestre 2025, le taux d'actualisation s'est stabilis\u00e9 \u00e0 environ 1,20 %.<\/p>\r\n

\"Les caisses de pension suisses continuent d'afficher des positions financi\u00e8res solides. La r\u00e9silience g\u00e9n\u00e9rale du syst\u00e8me continue d'\u00eatre soutenue par des strat\u00e9gies de placement \u00e9prouv\u00e9es et une gestion des risques minutieuse. Cette derni\u00e8re se caract\u00e9rise par des ajustements opportuns de param\u00e8tres tels que les taux de conversion et le taux d'int\u00e9r\u00eat technique au cours des cinq \u00e0 dix derni\u00e8res ann\u00e9es. En moyenne, les r\u00e9serves de fluctuation de valeur continuent d'\u00eatre presque enti\u00e8rement couvertes et constituent un pr\u00e9cieux tampon contre d'\u00e9ventuelles futures volatilit\u00e9s du march\u00e9\", commente Adam Casey, Head of Corporate Retirement Consulting chez WTW \u00e0 Zurich.<\/p>\r\n

Transfert possible vers des placements \u00e0 plus haut risque <\/strong><\/h3>\r\n

En juin, la Banque nationale suisse a abaiss\u00e9 son taux directeur \u00e0 0,00 %. La Banque centrale europ\u00e9enne a suivi en r\u00e9duisant son taux directeur de 25 points de base \u00e0 2,00 %. En revanche, la R\u00e9serve f\u00e9d\u00e9rale am\u00e9ricaine (FED) a maintenu son taux directeur inchang\u00e9, entre 4,25 et 4,50 %, bien que les march\u00e9s continuent de s'attendre \u00e0 de nouvelles baisses de taux dans le courant de l'ann\u00e9e.<\/p>\r\n

La premi\u00e8re partie de l'ann\u00e9e a \u00e9t\u00e9 marqu\u00e9e par la mont\u00e9e des tensions g\u00e9opolitiques, y compris les diff\u00e9rends commerciaux, les conflits au Moyen-Orient et les frictions croissantes entre les \u00c9tats-Unis et la Chine. Ces \u00e9volutions ont entra\u00een\u00e9 une importante volatilit\u00e9 des march\u00e9s au premier trimestre, la r\u00e9cente hausse des prix du p\u00e9trole et des mati\u00e8res premi\u00e8res refl\u00e9tant l'incertitude qui pr\u00e9vaut. Ces tendances se sont poursuivies au deuxi\u00e8me trimestre, au cours duquel les \u00c9tats-Unis ont annonc\u00e9 des hausses importantes des droits de douane, ce qui a provoqu\u00e9 de fortes fluctuations sur les march\u00e9s. Les march\u00e9s boursiers se sont toutefois sensiblement redress\u00e9s en juin.<\/p>\r\n

\"Dans un contexte d'incertitudes persistantes, de nombreux investisseurs institutionnels tels que les caisses de pension se sont de plus en plus tourn\u00e9s vers des placements alternatifs tels que le private equity, les infrastructures et les actifs r\u00e9els - une strat\u00e9gie qui vise \u00e0 diversifier et \u00e0 r\u00e9duire les risques, en particulier face \u00e0 la baisse des rendements obligataires. En cons\u00e9quence, nous conseillons aux caisses de pension de revoir leur allocation strat\u00e9gique d'actifs et, le cas \u00e9ch\u00e9ant, de remplacer les investissements traditionnels en obligations par d'autres instruments obligataires\", explique Alexandra Tischendorf, responsable des investissements chez WTW Suisse. \"Un portefeuille fortement diversifi\u00e9 avec une exposition au risque \u00e9quilibr\u00e9e par rapport aux diff\u00e9rents secteurs \u00e9conomiques reste important\", poursuit-elle.<\/p>\r\n

Source : WTW<\/a><\/em><\/p>\n

Cet article est paru initialement sur m-q.ch - https:\/\/www.m-q.ch\/de\/schweizer-pensionszusagen-verfuegen-weiterhin-ueber-hohe-deckung\/<\/a><\/p>","protected":false},"excerpt":{"rendered":"

Apr\u00e8s un fort premier trimestre 2025, le refinancement des promesses de retraite suisses dans les bilans des entreprises a l\u00e9g\u00e8rement recul\u00e9 au deuxi\u00e8me trimestre 2025. Selon le WTW Pension Index, le taux de couverture a baiss\u00e9 de 1,3 point de pourcentage pour atteindre 124,2 %.<\/p>","protected":false},"author":8,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_yoast_wpseo_focuskw":"Pensionszusagen","_yoast_wpseo_metadesc":"Schweizer Pensionszusagen verf\u00fcgen weiterhin \u00fcber hohe Deckung. 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