{"id":4144,"date":"2020-07-10T10:46:12","date_gmt":"2020-07-10T08:46:12","guid":{"rendered":"https:\/\/www.m-q.ch\/?p=4144"},"modified":"2021-01-25T14:53:58","modified_gmt":"2021-01-25T13:53:58","slug":"etude-du-risque-de-pension-sur-le-taux-de-couverture-des-entreprises-sli-2","status":"publish","type":"post","link":"https:\/\/www.m-q.ch\/fr\/etude-du-risque-de-pension-sur-le-taux-de-couverture-des-entreprises-sli-2\/","title":{"rendered":"\u00c9tude sur les risques li\u00e9s aux retraites concernant le taux de couverture des soci\u00e9t\u00e9s d'assurance-vieillesse"},"content":{"rendered":"
\"\"
Tr\u00e8s bonne ann\u00e9e d'investissement 2019 pour les plans de pension des entreprises suisses, mais le temps de la jubilation n'est pas venu. (Photo : Unsplash)<\/figcaption><\/figure>\n

L'\u00e9tude internationale sur les risques li\u00e9s aux retraites de Willis Towers Watson analyse la situation de la couverture des engagements de retraite dans les bilans des 30 principales soci\u00e9t\u00e9s suisses d'assurance-vieillesse pour tous les plans de retraite \u00e0 prestations d\u00e9finies conform\u00e9ment aux normes comptables internationales IFRS et US-GAAP en Suisse et \u00e0 l'\u00e9tranger.<\/p>\n

\"Chaque ann\u00e9e, nous surveillons les march\u00e9s et examinons l'impact sur les engagements de retraite des entreprises suisses. D'apr\u00e8s notre exp\u00e9rience et les r\u00e9sultats de nos \u00e9tudes, la question des retraites des salari\u00e9s est un sujet important. Les employeurs sont pr\u00eats \u00e0 d\u00e9velopper des mesures pour relever les d\u00e9fis futurs\", explique Stephan Wildner, responsable des retraites chez Willis Towers Watson \u00e0 Zurich.<\/p>\n

Une ann\u00e9e 2019 r\u00e9jouissante, des perspectives moroses<\/strong><\/p>\n

Par rapport \u00e0 l'ann\u00e9e pr\u00e9c\u00e9dente, les engagements de pension des soci\u00e9t\u00e9s d'assurance-vieillesse analys\u00e9es ont augment\u00e9 de 4,6 milliards de francs (+2,2%). Au cours de la m\u00eame p\u00e9riode, les actifs des r\u00e9gimes ont augment\u00e9 de 8,8 milliards de francs (+4,8%), de sorte que le ratio de financement moyen des soci\u00e9t\u00e9s d'assurance-vieillesse a augment\u00e9 de 4%, passant de 81% en 2018 \u00e0 85%. Si les taux d'actualisation n'avaient pas baiss\u00e9 davantage depuis 2018, le r\u00e9sultat aurait \u00e9t\u00e9 encore plus positif.<\/p>\n

Toutefois, il n'est pas opportun de se r\u00e9jouir de l'environnement actuel. Apr\u00e8s tout, le d\u00e9clenchement de la crise COVID 19 a secou\u00e9 les march\u00e9s des investissements au premier trimestre 2020 et a effac\u00e9 une grande partie des rendements \u00e9lev\u00e9s des investissements de 2019. Bien que le deuxi\u00e8me trimestre de 2020 ait apport\u00e9 une certaine reprise, elle n'a pas suffi \u00e0 compenser l'effet de l'effondrement du COVID-19. Cela signifie que les perspectives pour 2020 sont encore nuageuses \u00e0 l'heure actuelle.<\/p>\n

La baisse des taux d'actualisation \u00e0 long terme et la hausse des actifs des r\u00e9gimes ?<\/strong><\/p>\n

Il faut s'attendre \u00e0 ce que les taux d'escompte stagnent ou m\u00eame baissent encore \u00e0 long terme en raison de la surabondance d'argent des banques centrales pour lutter contre COVID-19. Compte tenu de la charge toujours croissante qui p\u00e8se sur les retrait\u00e9s et des faibles taux d'actualisation, les entreprises doivent partir du principe que les besoins de financement des r\u00e9gimes de retraite continueront \u00e0 augmenter. \"Les bons r\u00e9sultats d'investissement en 2019 ne doivent pas nous faire n\u00e9gliger, comme le montre l'\u00e9volution actuelle due \u00e0 COVID-19. Il est donc important d'envisager des mesures pour all\u00e9ger le fardeau\", d\u00e9clare Peter Zanella, expert en fonds de pension chez Willis Towers Watson \u00e0 Zurich. \"L'introduction de plans 1e ou l'ajustement des param\u00e8tres de performance et du financement contribuent \u00e0 stabiliser les obligations. L'optimisation de la strat\u00e9gie d'investissement peut contribuer \u00e0 augmenter le rendement attendu des actifs tout en maintenant le m\u00eame niveau de risque. Cela peut cr\u00e9er de meilleures conditions pour relever les d\u00e9fis \u00e0 venir\", ajoute Zanella.<\/p>\n

La Suisse rattrape son retard en comparaison internationale<\/strong><\/p>\n

Le taux de couverture moyen dans les entreprises (am\u00e9ricaines), r\u00e9sum\u00e9 dans l'indice Willis Towers Watson Pension 100, a l\u00e9g\u00e8rement augment\u00e9, passant de 86% \u00e0 88%. Cela signifie que la Suisse (2018 : 81%, 2019 : 85%) rattrape maintenant quelque peu son retard par rapport aux plans am\u00e9ricains. Le taux de couverture des soci\u00e9t\u00e9s DAX a enregistr\u00e9 une baisse, passant de 67% (2018) \u00e0 66%. Par rapport \u00e0 d'autres pays, la Suisse enregistre de moins bons r\u00e9sultats, ce qui s'explique principalement par le niveau des taux d'int\u00e9r\u00eat beaucoup plus bas r\u00e9sultant de la politique de taux d'int\u00e9r\u00eat n\u00e9gatifs de la Banque nationale suisse.<\/p>\n

Informations g\u00e9n\u00e9rales sur l'\u00e9tude<\/strong>
\n<\/strong>L'\u00e9tude sur les risques li\u00e9s aux pensions, r\u00e9alis\u00e9e par Willis Towers Watson, examine les obligations en mati\u00e8re de pensions ainsi que le niveau et l'\u00e9volution des charges de retraite des soci\u00e9t\u00e9s cot\u00e9es au Swiss Leader Index (SLI). Cet indice est compos\u00e9 des 20 soci\u00e9t\u00e9s du SMI et des 10 plus grandes des 30 valeurs du SMI Mid Cap. L'ISL contient donc les 30 plus importantes valeurs du march\u00e9 suisse des actions et comprend les principales soci\u00e9t\u00e9s cot\u00e9es du pays.<\/p>\n

Willis Towers Watson a analys\u00e9 les engagements de retraite divulgu\u00e9s en 2019 des soci\u00e9t\u00e9s SMI et SLI conform\u00e9ment aux normes comptables internationales IFRS et US GAAP. Les r\u00e9sultats diff\u00e8rent donc fondamentalement des donn\u00e9es publi\u00e9es par les caisses de pension suisses selon les Swiss GAAP RPC26.<\/p>\n

L'objectif de l'\u00e9tude sur les risques li\u00e9s aux retraites r\u00e9alis\u00e9e par Willis Towers Watson est d'obtenir une vue d'ensemble de la situation des entreprises suisses et de cr\u00e9er ainsi une base solide pour l'\u00e9laboration de mesures sp\u00e9cifiques pour chaque entreprise.<\/p>\n

www.willistowerswatson.com<\/a><\/p>\n

 <\/p>\n

 <\/p>\n

 <\/p>\n

 <\/p>","protected":false},"excerpt":{"rendered":"

L'\u00e9tude Pension Risk de Willis Towers Watson, orient\u00e9e vers l'international, analyse aupr\u00e8s des 30 entreprises leaders du SLI en Suisse la situation de couverture des engagements de pr\u00e9voyance dans les bilans de tous les plans de pr\u00e9voyance \u00e0 prestations d\u00e9finies selon les normes comptables internationales IFRS et US-GAAP, en Suisse et en dehors de la Suisse. \u00abChaque ann\u00e9e, nous observons les march\u00e9s et examinons les effets sur les engagements de pr\u00e9voyance [...].<\/p>","protected":false},"author":35,"featured_media":4145,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[4],"tags":[4261,4358,4357,3490,4223],"class_list":["post-4144","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-risikomanagement","tag-corona-krise","tag-deckungsgrad","tag-pension-risk-studie","tag-schweiz","tag-studien"],"acf":[],"yoast_head":"\nPension Risk Studie zum Deckungsgrad der SLI-Unternehmen - 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