{"id":5723,"date":"2022-10-24T11:54:00","date_gmt":"2022-10-24T16:54:00","guid":{"rendered":"https:\/\/wellington-altus.ca\/?p=5723"},"modified":"2024-11-15T21:03:24","modified_gmt":"2024-11-16T02:03:24","slug":"deciding-when-to-start-canada-pension-plan-retirement-benefits","status":"publish","type":"post","link":"https:\/\/wellington-altus.ca\/fr\/deciding-when-to-start-canada-pension-plan-retirement-benefits\/","title":{"rendered":"R\u00e9gime de pensions du Canada
\nDevriez-vous anticiper ou reporter le versement de vos prestations de retraite?"},"content":{"rendered":"
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En savoir plus ici<\/a><\/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

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Bien des gens qui approchent de la retraite se demandent s\u2019il y a un \u00e2ge optimal pour commencer \u00e0 toucher les prestations de retraite du R\u00e9gime de pensions du Canada (RPC). La question se pose souvent parce que les prestations du RPC sont calcul\u00e9es en fonction de l\u2019\u00e2ge auquel la personne commence \u00e0 toucher les prestations mensuelles. M\u00eame si l\u2019\u00e2ge normal pour commencer \u00e0 toucher les prestations du RPC est de 65 ans, les Canadiens peuvent toucher les prestations du RPC d\u00e8s l\u2019\u00e2ge de 60 ans ou en reporter le versement jusqu\u2019\u00e0 70 ans.<\/p>

Le montant de la pension standard du RPC calcul\u00e9e \u00e0 l\u2019\u00e2ge de 65 ans diminue de 7,2 % pour chaque ann\u00e9e (0,6 % par mois) pr\u00e9c\u00e9dant 65 ans et augmente de 8,4 % pour chaque ann\u00e9e (0,7 % par mois) pass\u00e9e 65 ans.<\/p>

\u00a0<\/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

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\"Standard\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\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
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Est-il avantageux de reporter le versement de la pension du RPC pour profiter de l\u2019augmentation des prestations du RPC? Cela d\u00e9pend.
\nL\u2019\u00e2ge du seuil de rentabilit\u00e9 du RPC est un bon point de d\u00e9part pour \u00e9valuer ses options; toutefois, ce n\u2019est pas le seul facteur \u00e0 prendre en consid\u00e9ration.<\/i><\/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

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Quel est l\u2019\u00e2ge du seuil de rentabilit\u00e9 du RPC?<\/h5>

Un exemple nous permettra de mieux expliquer ce concept. Supposons que Peter et Paul ont tous les deux 60 ans en 2022 et qu\u2019ils seront admissibles \u00e0 la prestation maximale du RPC \u00e0 65 ans. Pour 2022, la prestation maximale \u00e0 65 ans est de 1 253 $ par mois (15 036 $ par ann\u00e9e).<\/p>

Peter d\u00e9cide de toucher ses prestations du RPC \u00e0 60 ans et, par cons\u00e9quent, ses prestations diminuent de 36 % et passent \u00e0 802 $ par mois ou 9 624 $ par ann\u00e9e. Paul d\u00e9cide d\u2019attendre d\u2019avoir 65 ans pour commencer \u00e0 toucher ses prestations du RPC. Le tableau de droite indique les versements annuels cumulatifs que chacun d\u2019eux recevra du RPC.<\/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

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Peter a touch\u00e9 pr\u00e8s de 50 000 $ avant que Paul ne commence \u00e0 toucher ses prestations du RPC. La perception g\u00e9n\u00e9rale est que Peter sera toujours avantag\u00e9 financi\u00e8rement. C\u2019est faux. Si Paul vit au-del\u00e0 du seuil de rentabilit\u00e9 de 74 ans (73,9 ans pour \u00eatre exact), non seulement rattrapera-t-il Peter, mais il recevra aussi des prestations plus \u00e9lev\u00e9es que ce dernier parce qu\u2019il aura attendu d\u2019avoir 65 ans pour toucher ses prestations du RPC.<\/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

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\n\t\t\t\t\t\tCette analyse ne tient pas compte du rajustement annuel des prestations du RPC en fonction de l\u2019inflation, qui peut accro\u00eetre davantage les droits \u00e0 pension d\u2019une personne qui choisit de retarder le versement de ses prestations du RPC.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\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

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Principaux points \u00e0 retenir<\/h5>\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
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  • \n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\tLes prestations du RPC, qui sont garanties<\/b> et index\u00e9es pendant toute la vie<\/b>, peuvent augmenter de 42 % si leur versement est report\u00e9 jusqu\u2019\u00e0 70 ans.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t
  • \n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\tSi une personne est en bonne sant\u00e9 et dispose d\u2019autres actifs et sources de revenus pour maintenir son niveau de vie \u00e0 la retraite, il est g\u00e9n\u00e9ralement recommand\u00e9 de reporter le versement des prestations du RPC le plus longtemps possible.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\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
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    • \n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\tLe niveau de vie compte. Ne retardez pas le versement des prestations du RPC si vous en avez besoin pour profiter de la retraite d\u00e8s aujourd\u2019hui!<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t
    • \n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\tBien que l\u2019\u00e2ge du seuil de rentabilit\u00e9 soit une bonne r\u00e8gle, l\u2019\u00e2ge optimal pour commencer \u00e0 toucher les prestations du RPC devrait \u00eatre d\u00e9termin\u00e9 selon la situation financi\u00e8re globale d\u2019une personne. Consultez un conseiller de Wellington-Altus pour discuter de vos options concernant les prestations du RPC.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\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
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      Envisagez d\u2019anticiper le versement des prestations du RPC si\u2026<\/span><\/strong><\/p>

      • Votre \u00e9tat de sant\u00e9 actuel (ou vos ant\u00e9c\u00e9dents familiaux) sugg\u00e8re que vous pourriez avoir une esp\u00e9rance de vie r\u00e9duite.<\/li>
      • Vous souhaitez (ou vous devez) prendre une retraite anticip\u00e9e, mais vos \u00e9pargnes, vos revenus et vos liquidit\u00e9s ne sont pas suffisants pour vous permettre de maintenir votre niveau de vie \u00e0 la retraite.<\/li><\/ul>\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
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        Envisagez de retarder le versement des prestations du RPC si\u2026<\/span><\/strong><\/p>

        • Vous avez des ant\u00e9c\u00e9dents familiaux de long\u00e9vit\u00e9 et \u00eates en excellente sant\u00e9.<\/li>
        • Vous comptez rester sur le march\u00e9 du travail, mais vous n\u2019\u00eates pas encore admissible aux prestations maximales du RPC. Ces ann\u00e9es de gains suppl\u00e9mentaires augmenteront votre pension de base du RPC.<\/li><\/ul>\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":"

          Bien des gens qui approchent de la retraite se demandent s\u2019il y a un \u00e2ge optimal pour commencer \u00e0 toucher les prestations de retraite du R\u00e9gime de pensions du Canada (RPC).<\/p>","protected":false},"author":14,"featured_media":4038,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[60],"tags":[79,78,83],"class_list":["post-5723","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-wealth-planning","tag-english","tag-francais","tag-french"],"acf":[],"yoast_head":"\nEarlier or Later? Deciding When to Start Canada Pension Plan Retirement Benefits - Wellington-Altus<\/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:\/\/wellington-altus.ca\/fr\/deciding-when-to-start-canada-pension-plan-retirement-benefits\/\" \/>\n<meta property=\"og:locale\" content=\"fr_CA\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Earlier or Later? 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