{"id":1351,"date":"2025-03-21T13:53:02","date_gmt":"2025-03-21T13:53:02","guid":{"rendered":"https:\/\/cashflowch.com\/?page_id=1351"},"modified":"2025-07-15T12:36:24","modified_gmt":"2025-07-15T12:36:24","slug":"devenir-parents-ou-grands-parents","status":"publish","type":"page","link":"https:\/\/cashflowch.com\/en\/devenir-parents-ou-grands-parents\/","title":{"rendered":"Devenir parents ou grands-parents"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"1351\" class=\"elementor elementor-1351\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-50337c0e elementor-section-full_width elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no\" data-id=\"50337c0e\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\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-top-column elementor-element elementor-element-745c0670\" data-id=\"745c0670\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\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-top-column elementor-element elementor-element-451dcdc4 elementor-invisible\" data-id=\"451dcdc4\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;,&quot;animation&quot;:&quot;fadeInRight&quot;}\">\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-3b4edae4 elementor-widget elementor-widget-heading\" data-id=\"3b4edae4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Devenir parents ou grands-parents<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-39af145e elementor-widget elementor-widget-text-editor\" data-id=\"39af145e\" data-element_type=\"widget\" data-e-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>Conseils personnalis\u00e9s, gestion rigoureuse et solutions adapt\u00e9es pour planifier l\u2019avenir financier de vos enfants et s\u00e9curiser le futur de vos enfants ou petits-enfants.<\/p>\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-98330f9 elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"98330f9\" data-element_type=\"widget\" data-e-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:\/\/calendar.notion.so\/meet\/davidecasellini\/people\" 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<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-caret-right\" viewbox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">R\u00e9servez un rendez-vous informatif<\/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-787736d7 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no\" data-id=\"787736d7\" data-element_type=\"section\" data-e-type=\"section\">\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-59d087c2\" data-id=\"59d087c2\" data-element_type=\"column\" data-e-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-70f54e13 elementor-widget elementor-widget-heading\" data-id=\"70f54e13\" data-element_type=\"widget\" data-e-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\">Devenir parents ou grands-parents<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-753069b9 elementor-widget-divider--view-line elementor-invisible elementor-widget elementor-widget-divider\" data-id=\"753069b9\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;}\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\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-19472afa elementor-widget elementor-widget-text-editor\" data-id=\"19472afa\" data-element_type=\"widget\" data-e-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<h3><b><span class=\"TextRun SCXW239108902 BCX8\" lang=\"FR-CH\" xml:lang=\"FR-CH\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW239108902 BCX8\">QUELLE SURPRISE, F\u00c9LICITATIONS\u202f!\u00a0<\/span><\/span><span class=\"EOP SCXW239108902 BCX8\" data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/b><\/h3>\n<div><b><span class=\"EOP SCXW239108902 BCX8\" data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/b><\/div>\n<div><b><span class=\"EOP SCXW239108902 BCX8\" data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/b><\/div>\n<div><b><span class=\"EOP SCXW239108902 BCX8\" data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/b><\/div>\n<div><b><span class=\"EOP SCXW239108902 BCX8\" data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/b><\/div>\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-b2bd4c4 elementor-widget elementor-widget-text-editor\" data-id=\"b2bd4c4\" data-element_type=\"widget\" data-e-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><span data-contrast=\"auto\">Pr\u00e9parer l\u2019avenir de votre enfant commence aujourd\u2019hui.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Un enfant n\u2019est pas seulement un d\u00e9sir, mais un v\u00e9ritable projet qui nous offre une multitude d\u2019\u00e9motions et qui n\u00e9cessite plusieurs comp\u00e9tences pour accompagner le nouveau-n\u00e9 de la naissance jusqu\u2019\u00e0 son autonomie.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Voici une <\/span><b><span data-contrast=\"auto\">liste compl\u00e8te et structur\u00e9e<\/span><\/b><span data-contrast=\"auto\"> des \u00e9l\u00e9ments \u00e0 pr\u00e9parer lors de la naissance d\u2019un enfant, tant sur le plan <\/span><b><span data-contrast=\"auto\">administratif, financier que logistique<\/span><\/b><span data-contrast=\"auto\">, adapt\u00e9e au contexte suisse :<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/p><p><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><b style=\"color: inherit; font-size: 24px; text-transform: uppercase;\"><span data-contrast=\"auto\">1. D\u00e9marches administratives<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/b><\/p><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"7\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">D\u00e9claration de naissance \u00e0 l\u2019\u00e9tat civil dans les 3 jours.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/li><\/ul><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"7\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Inscription \u00e0 l&rsquo;assurance maladie (obligatoire dans les 3 mois).<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/li><\/ul><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"7\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">Demande d\u2019allocations familiales aupr\u00e8s de l\u2019employeur ou de la caisse cantonale.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/li><\/ul><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"7\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"4\" data-aria-level=\"1\"><span data-contrast=\"auto\">Mise \u00e0 jour de l\u2019\u00e9tat civil et du livret de famille.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/li><\/ul><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"7\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"5\" data-aria-level=\"1\"><span data-contrast=\"auto\">D\u00e9claration aupr\u00e8s de votre commune si requise.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/li><\/ul><p><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><h5><b><span data-contrast=\"auto\">\u00a0<\/span><\/b><\/h5><h5><b><span data-contrast=\"auto\">2. Assurances<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/b><\/h5><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"8\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Assurance maladie de base.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/li><\/ul><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"8\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Assurance compl\u00e9mentaire (\u00ab\u00a0Pr\u00e9-natal\u00a0\u00bb: g\u00e9n\u00e9ralement \u00e0 faire avant la naissance pour avoir couvert touts les probl\u00e9mes qui pourraient avoir lors de l&rsquo;accouchement).<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/li><\/ul><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"8\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">Assurance responsabilit\u00e9 civile priv\u00e9e (familiale).<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/li><\/ul><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"8\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"4\" data-aria-level=\"1\"><span data-contrast=\"auto\">R\u00e9vision de vos propres assurances vie ou invalidit\u00e9.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/li><\/ul><h5><b><span data-contrast=\"auto\">\u00a0<\/span><\/b><\/h5><h5><b><span data-contrast=\"auto\">\u00a0<\/span><\/b><\/h5><h5><b><span data-contrast=\"auto\">3. Organisation financi\u00e8re<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/b><\/h5><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"9\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\"><span style=\"text-decoration: underline;\"><a href=\"http:\/\/cashflowch.com\/wp-content\/uploads\/2025\/06\/Budget-menage-Excel.xls\">\u00c9valuation du nouveau budget familial<\/a><\/span> (revenus vs. d\u00e9penses).<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/li><\/ul><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"9\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Ouverture d\u2019un compte d\u2019\u00e9pargne pour enfant.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/li><\/ul><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"9\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">Mise en place d\u2019un plan d\u2019\u00e9pargne ou d\u2019un fonds de placement \u00e0 long terme.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/li><\/ul><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"9\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"4\" data-aria-level=\"1\"><span data-contrast=\"auto\">R\u00e9vision de la pr\u00e9voyance (3e pilier, testament, b\u00e9n\u00e9ficiaires, etc.).<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/li><\/ul><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"9\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"5\" data-aria-level=\"1\"><span data-contrast=\"auto\">Demande de cong\u00e9 parental ou planification du retour au travail.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/li><\/ul><h5><b><span data-contrast=\"auto\">\u00a0<\/span><\/b><\/h5><h5><b><span data-contrast=\"auto\">\u00a0<\/span><\/b><\/h5><h5><b><span data-contrast=\"auto\">4. Pr\u00e9paration mat\u00e9rielle<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/b><\/h5><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"10\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Mat\u00e9riel de base : v\u00eatements, berceau, poussette, si\u00e8ge auto, etc.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/li><\/ul><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"10\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Am\u00e9nagement de l\u2019espace pour l\u2019enfant.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/li><\/ul><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"10\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">Achat ou location d\u2019un babyphone, st\u00e9rilisateur, table \u00e0 langer, etc.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/li><\/ul><h5><b><span data-contrast=\"auto\">\u00a0<\/span><\/b><\/h5><h5><b><span data-contrast=\"auto\">\u00a0<\/span><\/b><\/h5><h5><b><span data-contrast=\"auto\">5. Autres \u00e9l\u00e9ments utiles<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/b><\/h5><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"11\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Choix du p\u00e9diatre.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/li><\/ul><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"11\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Inscription \u00e9ventuelle \u00e0 une cr\u00e8che ou \u00e0 un accueil familial de jour.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/li><\/ul><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"11\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">\u00c9tablissement d\u2019une procuration parentale crois\u00e9e (au cas o\u00f9 un parent est emp\u00each\u00e9).<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/li><\/ul><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"11\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"4\" data-aria-level=\"1\"><span data-contrast=\"auto\">R\u00e9daction ou mise \u00e0 jour du testament (si n\u00e9cessaire).<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/li><\/ul><p><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/p><p><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/p><h2><b><span data-contrast=\"auto\">Solutions d\u2019\u00e9pargne pour enfants<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/b><\/h2><p><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Que ce soit pour financer leurs \u00e9tudes, un projet personnel ou leur offrir un coup de pouce \u00e0 l\u2019entr\u00e9e dans la vie adulte, plusieures solutions d\u2019\u00e9pargne existent. Voici les principales :<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/p><p><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><h3>\u00a0<\/h3><ol><li><span data-contrast=\"auto\"><b> Compte \u00e9pargne enfants (classique)<\/b><\/span><\/li><\/ol><div><b>\u00a0<\/b><\/div><h6><b><span data-contrast=\"auto\">Description<\/span><span data-contrast=\"auto\"> :<\/span>\u00a0<\/b><\/h6><p><span data-contrast=\"auto\">Un compte bancaire sp\u00e9cialement d\u00e9di\u00e9 aux enfants, g\u00e9n\u00e9ralement propos\u00e9 par les banques avec des conditions pr\u00e9f\u00e9rentielles. L\u2019argent y est disponible \u00e0 tout moment et \u00e0 18 ans l\u2019enfant peut acc\u00e9der au compte et b\u00e9n\u00e9ficier du montant disponible.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/p><h6><b><span data-contrast=\"auto\">Avantages<\/span><span data-contrast=\"auto\"> :<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/b><\/h6><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Acc\u00e8s simple et s\u00e9curis\u00e9.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/li><\/ul><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Int\u00e9r\u00eats garantis, bien que faibles.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/li><\/ul><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">Exempt de risque de perte en capital.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/li><\/ul><div>\u00a0<\/div><h6><b><span data-contrast=\"auto\">\u00a0Inconv\u00e9nients<\/span><span data-contrast=\"auto\"> :<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/b><\/h6><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Rendement souvent tr\u00e8s faible.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/li><\/ul><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Ne prot\u00e8ge pas contre l\u2019inflation.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/li><\/ul><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">Pas de protection contre une utilisation indiscr\u00e8te de l\u2019enfant<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/li><\/ul><div>\u00a0<\/div><div>\u00a0<\/div><ol start=\"2\"><li><b style=\"background-color: transparent; color: inherit;\">Plan d\u2019\u00e9pargne avec investissements en fonds<\/b><\/li><\/ol><div><b>\u00a0<\/b><\/div><h6><b><span data-contrast=\"auto\">Description<\/span><\/b><span data-contrast=\"auto\"> :<\/span>\u00a0<\/h6><p><span data-contrast=\"auto\">Une solution \u00e0 long terme qui permet d\u2019investir l\u2019\u00e9pargne dans des fonds de placement (actions, obligations, etc.), avec une strat\u00e9gie adapt\u00e9e \u00e0 l\u2019\u00e2ge de l\u2019enfant et \u00e0 votre profil de risque.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/p><h6><b><span data-contrast=\"auto\">Avantages<\/span><span data-contrast=\"auto\"> :<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/b><\/h6><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Potentiel de rendement sup\u00e9rieur \u00e0 l\u2019\u00e9pargne classique.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/li><\/ul><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Plan flexible et personnalisable.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/li><\/ul><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">Accessible avec de faibles montants mensuels.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/li><\/ul><div>\u00a0<\/div><h6><b><span data-contrast=\"auto\">Inconv\u00e9nients<\/span><\/b><span data-contrast=\"auto\"> :<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/h6><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Rendement non garanti.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/li><\/ul><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Valeur sujette aux fluctuations du march\u00e9.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/li><\/ul><p><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><ol start=\"3\"><li><span data-contrast=\"auto\"><b> Plan d\u2019\u00e9pargne avec s\u00e9curit\u00e9<\/b><\/span><\/li><\/ol><div><b>\u00a0<\/b><\/div><h6><b><span data-contrast=\"auto\">Description<\/span><\/b><span data-contrast=\"auto\"> :<\/span>\u00a0<\/h6><p><span data-contrast=\"auto\">Une \u00e9pargne investie en fonds combin\u00e9e \u00e0 une couverture d\u2019assurance, permettant de garantir un capital en cas d\u2019\u00e9v\u00e9nement impr\u00e9vu (d\u00e9c\u00e8s du parent payeur, invalidit\u00e9, etc.).<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/p><h6><b><span data-contrast=\"auto\">Avantages<\/span><\/b><span data-contrast=\"auto\"> :<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/h6><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"5\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">S\u00e9curit\u00e9 suppl\u00e9mentaire gr\u00e2ce \u00e0 l\u2019assurance.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/li><\/ul><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"5\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Planification successorale facilit\u00e9e.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/li><\/ul><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"5\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">Avantages fiscaux possibles \u00e0 long terme.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/li><\/ul><div>\u00a0<\/div><h6><b><span data-contrast=\"auto\">Inconv\u00e9nients<\/span><\/b><span data-contrast=\"auto\"> :<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/h6><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Frais d\u2019entr\u00e9e et de gestion plus \u00e9lev\u00e9s.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/li><\/ul><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Engagement contractuel sur plusieurs ann\u00e9es.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/li><\/ul><p><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><h2><b><span data-contrast=\"auto\">Conseil personnalis\u00e9<\/span><\/b><span data-contrast=\"auto\"> :<\/span><\/h2><p><span data-contrast=\"auto\">\u00a0Chaque situation familiale est unique. Lors d\u2019un rendez-vous, nous vous aidons \u00e0 comparer ces solutions dans les d\u00e9tails et \u00e0 choisir la solution la plus adapt\u00e9e \u00e0 vos objectifs et \u00e0 ceux de votre enfant.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/p><p><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/p><p><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\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-2aa95cc1 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no elementor-invisible\" data-id=\"2aa95cc1\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;motion_fx_motion_fx_scrolling&quot;:&quot;yes&quot;,&quot;motion_fx_translateY_effect&quot;:&quot;yes&quot;,&quot;animation&quot;:&quot;fadeInLeft&quot;,&quot;motion_fx_translateY_speed&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:4,&quot;sizes&quot;:[]},&quot;motion_fx_translateY_affectedRange&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:{&quot;start&quot;:0,&quot;end&quot;:100}},&quot;motion_fx_devices&quot;:[&quot;desktop&quot;,&quot;tablet&quot;,&quot;mobile&quot;]}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\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-1f05c932\" data-id=\"1f05c932\" data-element_type=\"column\" data-e-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-65974571 elementor-widget elementor-widget-heading\" data-id=\"65974571\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">R\u00c9SERVEZ VOTRE CONSULTATION FINANCI\u00c8RE<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-79bd31f9 elementor-widget elementor-widget-heading\" data-id=\"79bd31f9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">AVEC CASH-FLOW CH<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5946479 elementor-widget elementor-widget-spacer\" data-id=\"5946479\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\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-9219e0 elementor-invisible elementor-widget elementor-widget-button\" data-id=\"9219e0\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;}\" 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:\/\/calendar.notion.so\/meet\/davidecasellini\/people\" 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<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-caret-right\" viewbox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">R\u00e9servez un rendez-vous informatif<\/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<\/div>","protected":false},"excerpt":{"rendered":"<p>Devenir parents ou grands-parents Conseils personnalis\u00e9s, gestion rigoureuse et solutions adapt\u00e9es pour planifier l\u2019avenir financier de vos enfants et s\u00e9curiser le futur de vos enfants ou petits-enfants. R\u00e9servez un rendez-vous informatif Devenir parents ou grands-parents QUELLE SURPRISE, F\u00c9LICITATIONS\u202f!\u00a0\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 Pr\u00e9parer l\u2019avenir de votre enfant commence aujourd\u2019hui.\u00a0\u00a0 Un enfant n\u2019est pas seulement un d\u00e9sir, mais un v\u00e9ritable projet qui nous offre une multitude d\u2019\u00e9motions et qui n\u00e9cessite plusieurs comp\u00e9tences pour accompagner le nouveau-n\u00e9 de la naissance jusqu\u2019\u00e0 son autonomie.\u00a0 Voici une liste compl\u00e8te et structur\u00e9e des \u00e9l\u00e9ments \u00e0 pr\u00e9parer lors de la naissance d\u2019un enfant, tant sur le plan administratif, financier que logistique, adapt\u00e9e au contexte suisse :\u00a0 \u00a0 1. D\u00e9marches administratives\u00a0 D\u00e9claration de naissance \u00e0 l\u2019\u00e9tat civil dans les 3 jours.\u00a0 Inscription \u00e0 l&rsquo;assurance maladie (obligatoire dans les 3 mois).\u00a0 Demande d\u2019allocations familiales aupr\u00e8s de l\u2019employeur ou de la caisse cantonale.\u00a0 Mise \u00e0 jour de l\u2019\u00e9tat civil et du livret de famille.\u00a0 D\u00e9claration aupr\u00e8s de votre commune si requise.\u00a0 \u00a0 \u00a0 2. Assurances\u00a0 Assurance maladie de base.\u00a0 Assurance compl\u00e9mentaire (\u00ab\u00a0Pr\u00e9-natal\u00a0\u00bb: g\u00e9n\u00e9ralement \u00e0 faire avant la naissance pour avoir couvert touts les probl\u00e9mes qui pourraient avoir lors de l&rsquo;accouchement).\u00a0 Assurance responsabilit\u00e9 civile priv\u00e9e (familiale).\u00a0 R\u00e9vision de vos propres assurances vie ou invalidit\u00e9.\u00a0 \u00a0 \u00a0 3. Organisation financi\u00e8re\u00a0 \u00c9valuation du nouveau budget familial (revenus vs. d\u00e9penses).\u00a0 Ouverture d\u2019un compte d\u2019\u00e9pargne pour enfant.\u00a0 Mise en place d\u2019un plan d\u2019\u00e9pargne ou d\u2019un fonds de placement \u00e0 long terme.\u00a0 R\u00e9vision de la pr\u00e9voyance (3e pilier, testament, b\u00e9n\u00e9ficiaires, etc.).\u00a0 Demande de cong\u00e9 parental ou planification du retour au travail.\u00a0 \u00a0 \u00a0 4. Pr\u00e9paration mat\u00e9rielle\u00a0 Mat\u00e9riel de base : v\u00eatements, berceau, poussette, si\u00e8ge auto, etc.\u00a0 Am\u00e9nagement de l\u2019espace pour l\u2019enfant.\u00a0 Achat ou location d\u2019un babyphone, st\u00e9rilisateur, table \u00e0 langer, etc.\u00a0 \u00a0 \u00a0 5. Autres \u00e9l\u00e9ments utiles\u00a0 Choix du p\u00e9diatre.\u00a0 Inscription \u00e9ventuelle \u00e0 une cr\u00e8che ou \u00e0 un accueil familial de jour.\u00a0 \u00c9tablissement d\u2019une procuration parentale crois\u00e9e (au cas o\u00f9 un parent est emp\u00each\u00e9).\u00a0 R\u00e9daction ou mise \u00e0 jour du testament (si n\u00e9cessaire).\u00a0 \u00a0 \u00a0 Solutions d\u2019\u00e9pargne pour enfants\u00a0 \u00a0 Que ce soit pour financer leurs \u00e9tudes, un projet personnel ou leur offrir un coup de pouce \u00e0 l\u2019entr\u00e9e dans la vie adulte, plusieures solutions d\u2019\u00e9pargne existent. Voici les principales :\u00a0 \u00a0 \u00a0 \u00a0 Compte \u00e9pargne enfants (classique) \u00a0 Description :\u00a0 Un compte bancaire sp\u00e9cialement d\u00e9di\u00e9 aux enfants, g\u00e9n\u00e9ralement propos\u00e9 par les banques avec des conditions pr\u00e9f\u00e9rentielles. L\u2019argent y est disponible \u00e0 tout moment et \u00e0 18 ans l\u2019enfant peut acc\u00e9der au compte et b\u00e9n\u00e9ficier du montant disponible.\u00a0 Avantages :\u00a0 Acc\u00e8s simple et s\u00e9curis\u00e9.\u00a0 Int\u00e9r\u00eats garantis, bien que faibles.\u00a0 Exempt de risque de perte en capital.\u00a0 \u00a0 \u00a0Inconv\u00e9nients :\u00a0 Rendement souvent tr\u00e8s faible.\u00a0 Ne prot\u00e8ge pas contre l\u2019inflation.\u00a0 Pas de protection contre une utilisation indiscr\u00e8te de l\u2019enfant\u00a0 \u00a0\u00a0 Plan d\u2019\u00e9pargne avec investissements en fonds \u00a0 Description :\u00a0 Une solution \u00e0 long terme qui permet d\u2019investir l\u2019\u00e9pargne dans des fonds de placement (actions, obligations, etc.), avec une strat\u00e9gie adapt\u00e9e \u00e0 l\u2019\u00e2ge de l\u2019enfant et \u00e0 votre profil de risque.\u00a0 Avantages :\u00a0 Potentiel de rendement sup\u00e9rieur \u00e0 l\u2019\u00e9pargne classique.\u00a0 Plan flexible et personnalisable.\u00a0 Accessible avec de faibles montants mensuels.\u00a0 \u00a0 Inconv\u00e9nients :\u00a0 Rendement non garanti.\u00a0 Valeur sujette aux fluctuations du march\u00e9.\u00a0 \u00a0 \u00a0 Plan d\u2019\u00e9pargne avec s\u00e9curit\u00e9 \u00a0 Description :\u00a0 Une \u00e9pargne investie en fonds combin\u00e9e \u00e0 une couverture d\u2019assurance, permettant de garantir un capital en cas d\u2019\u00e9v\u00e9nement impr\u00e9vu (d\u00e9c\u00e8s du parent payeur, invalidit\u00e9, etc.).\u00a0 Avantages :\u00a0 S\u00e9curit\u00e9 suppl\u00e9mentaire gr\u00e2ce \u00e0 l\u2019assurance.\u00a0 Planification successorale facilit\u00e9e.\u00a0 Avantages fiscaux possibles \u00e0 long terme.\u00a0 \u00a0 Inconv\u00e9nients :\u00a0 Frais d\u2019entr\u00e9e et de gestion plus \u00e9lev\u00e9s.\u00a0 Engagement contractuel sur plusieurs ann\u00e9es.\u00a0 \u00a0 \u00a0 \u00a0 Conseil personnalis\u00e9 : \u00a0Chaque situation familiale est unique. Lors d\u2019un rendez-vous, nous vous aidons \u00e0 comparer ces solutions dans les d\u00e9tails et \u00e0 choisir la solution la plus adapt\u00e9e \u00e0 vos objectifs et \u00e0 ceux de votre enfant.\u00a0 \u00a0 \u00a0 R\u00c9SERVEZ VOTRE CONSULTATION FINANCI\u00c8RE AVEC CASH-FLOW CH R\u00e9servez un rendez-vous informatif<\/p>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"class_list":["post-1351","page","type-page","status-publish","hentry"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/cashflowch.com\/en\/wp-json\/wp\/v2\/pages\/1351","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/cashflowch.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/cashflowch.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/cashflowch.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/cashflowch.com\/en\/wp-json\/wp\/v2\/comments?post=1351"}],"version-history":[{"count":46,"href":"https:\/\/cashflowch.com\/en\/wp-json\/wp\/v2\/pages\/1351\/revisions"}],"predecessor-version":[{"id":2560,"href":"https:\/\/cashflowch.com\/en\/wp-json\/wp\/v2\/pages\/1351\/revisions\/2560"}],"wp:attachment":[{"href":"https:\/\/cashflowch.com\/en\/wp-json\/wp\/v2\/media?parent=1351"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}