{"id":6398,"date":"2023-01-31T09:26:39","date_gmt":"2023-01-31T15:26:39","guid":{"rendered":"https:\/\/wellington-altus.ca\/?p=6398"},"modified":"2024-11-15T21:23:13","modified_gmt":"2024-11-16T02:23:13","slug":"key-considerationswhen-planning-for-retirement","status":"publish","type":"post","link":"https:\/\/wellington-altus.ca\/fr\/key-considerationswhen-planning-for-retirement\/","title":{"rendered":"Principaux \u00e9l\u00e9ments \u00e0 prendre en consid\u00e9ration\nlors de la planification de la 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

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Les Canadiens ont toujours compt\u00e9 sur les r\u00e9gimes de retraite parrain\u00e9s par l\u2019employeur, les prestations gouvernementales et leurs propres actifs, y compris la hausse de la valeur des biens immobiliers, pour couvrir leurs besoins financiers \u00e0 la retraite. Mais \u00e0 mesure que la situation \u00e9conomique et le contexte de la retraite \u00e9voluent, les Canadiens devraient tenir compte des points suivants lorsqu\u2019ils se pr\u00e9parent \u00e0 prendre leur retraite.<\/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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Commencer par dresser un plan<\/h5>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Une excellente fa\u00e7on de savoir si vous \u00eates sur \nla bonne voie constitue \u00e0 faire une projection de retraite. Elle tient compte de vos actifs r\u00e9serv\u00e9s \u00e0 la retraite et concilie toutes vos sources de revenus et vos liquidit\u00e9s projet\u00e9es avec vos d\u00e9penses en ce qui a trait au mode de vie et l\u2019imp\u00f4t sur le revenu projet\u00e9s que vous paierez chaque ann\u00e9e pendant la retraite. Que pouvez-vous apprendre d\u2019une projection de retraite?<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\u2022 Une s\u00e9rie d\u2019exc\u00e9dents de liquidit\u00e9s indique que\u00a0vous atteindrez, voir d\u00e9passerez, les objectifs pr\u00e9vus.<\/p>

\u2022 Une s\u00e9rie de d\u00e9ficits de liquidit\u00e9s indique qu\u2019il faut agir. Vous devrez peut-\u00eatre modifier vos objectifs en ce qui a trait au mode de vie \u00e0 la retraite ou reporter votre date de retraite pr\u00e9vue. Dans ce cas, une projection de retraite sugg\u00e9rera des objectifs d\u2019\u00e9pargne suppl\u00e9mentaires pour vous aider \u00e0 atteindre vos objectifs.<\/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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Conseils pratiques\u00a0:<\/h5>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\u2022 Obtenez des renseignements \u00e0 jour sur tous vos actifs, en particulier vos comptes de retraite et vos sources de revenus et de liquidit\u00e9s. Les renseignements d\u00e9suets produiront des r\u00e9sultats inexacts.<\/span><\/p>

\u2022 Demandez un \u00e9tat des cotisations au RPC \u00e0 partir de Mon dossier Service Canada qui montre\u00a0<\/span>l\u2019historique de toutes vos cotisations et vos prestations de retraite du RPC pr\u00e9vues \u00e0 l\u2019\u00e2ge de 65\u00a0ans. Si vous avez cotis\u00e9 au R\u00e9gime de rentes du Qu\u00e9bec, communiquez avec Retraite Qu\u00e9bec pour obtenir un relev\u00e9 semblable.<\/span><\/p>

\u2022 Si vous participez \u00e0 un r\u00e9gime de retraite parrain\u00e9 par un employeur, demandez un relev\u00e9 \u00e0 jour \u00e0 votre administrateur de r\u00e9gime. Avant de prendre votre retraite, familiarisez-vous avec les options que procure votre r\u00e9gime de retraite.<\/span><\/p>

Les contribuables am\u00e9ricains devraient inclure\ntout\u00a0compte ou avantage de retraite qu\u2019ils d\u00e9tiennent aux \u00c9tats-Unis. Ouvrez une session dans votre compte\u00a0de s\u00e9curit\u00e9 sociale \u00e0 l\u2019adresse\nhttps:\/\/www.ssa.gov\/myaccount\/ pour obtenir\nune\u00a0estimation de vos futures prestations de retraite et\u00a0autres prestations de\u00a0s\u00e9curit\u00e9\u00a0sociale.<\/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

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Examiner vos d\u00e9penses <\/h5>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Alors que vous vous pr\u00e9parez \u00e0 quitter le march\u00e9 du travail et \u00e0 vivre gr\u00e2ce \u00e0 vos actifs et vos revenus de retraite, il est important de bien comprendre vos habitudes de d\u00e9penses. Examinez les d\u00e9penses quotidiennes comme la nourriture (\u00e9picerie, restaurants), les v\u00eatements et le logement\u00a0(loyer, imp\u00f4ts fonciers, services publics, assurance), \nainsi\u00a0que\u00a0les d\u00e9penses discr\u00e9tionnaires comme les\u00a0vacances, les adh\u00e9sions \u00e0 des clubs et \nles passe-temps.\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

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Conseils pratiques\u00a0:<\/h5>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\u00c9quilibrez votre carnet de ch\u00e8ques et rapprochez vos d\u00e9penses port\u00e9es \u00e0 une carte de cr\u00e9dit pour une ann\u00e9e. Envisagez d\u2019utiliser des logiciels\nde gestion des liquidit\u00e9s comme Mint, YNAB\n(You Need A Budget) ou Quicken pour suivre\net\u00a0calculer vos d\u00e9penses en ce qui a trait \u00e0 votre mode de vie. L\u2019\u00e9tablissement d\u2019un budget peut r\u00e9v\u00e9ler des habitudes de d\u00e9penses int\u00e9ressantes!<\/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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Comprendre comment votre revenu de \nretraite sera impos\u00e9<\/h5>

Un objectif important de la planification de la retraite consiste \u00e0 r\u00e9duire votre facture fiscale. Pour ce faire, planifiez le moment et le montant optimaux des liquidit\u00e9s et des revenus que vous recevrez de vos actifs. Par exemple, vous pouvez choisir de recevoir des prestations r\u00e9duites de retraite du R\u00e9gime de pensions du Canada d\u00e8s l\u2019\u00e2ge de 60\u00a0ans ou des prestations bonifi\u00e9es jusqu\u2019\u00e0 70\u00a0ans. Le montant que vous choisissez de recevoir pour compl\u00e9ter vos autres sources de revenus aura une incidence sur votre profil fiscal global.<\/p>

Tenir compte du co\u00fbt (potentiel) des soins de longue dur\u00e9e<\/h5>

Selon un rapport de 2018 de Statistique Canada, pr\u00e8s du quart des a\u00een\u00e9s canadiens sont des fournisseurs de soins. Si votre sant\u00e9 se d\u00e9t\u00e9riore, vous aurez peut-\u00eatre besoin d\u2019aide pour effectuer des activit\u00e9s quotidiennes de base comme faire votre toilette et vous nourrir. Le\u00a0financement gouvernemental pour les soins de longue dur\u00e9e est limit\u00e9, et il peut \u00eatre difficile de s\u2019y retrouver parmi les programmes. Vous pouvez \u00e9conomiser de l\u2019argent si un \u00eatre cher est dispos\u00e9 \u00e0 fournir des soins et en est capable. Autrement, les Canadiens doivent assumer la totalit\u00e9 des co\u00fbts des soins de longue dur\u00e9e, qui peuvent comprendre une infirmi\u00e8re \u00e0 temps partiel, des services de r\u00e9adaptation ou des soins priv\u00e9s en tout temps.<\/p>

Planifier votre strat\u00e9gie d\u2019entreprise<\/h5>

En 2021, les petites entreprises repr\u00e9sentaient 98,1\u00a0% de toutes les entreprises comptant des employ\u00e9s au Canadai\u00a0<\/sup>De nombreux Canadiens \u00e9conomisent des actifs au sein de leur entreprise ou comptent sur la vente de celle-ci pour assurer leur retraite. Toutefois, l\u2019int\u00e9gration de ces actifs dans un portrait d\u2019ensemble de la retraite ajoute \u00e0 la complexit\u00e9. Un plan patrimonial peut cerner des possibilit\u00e9s de r\u00e9duire ou de reporter l\u2019imp\u00f4t, comme l\u2019acc\u00e8s \u00e0 l\u2019exon\u00e9ration cumulative de gains en capital sur la vente d\u2019actions admissibles, le positionnement des actifs de placement de fa\u00e7on \u00e0 g\u00e9n\u00e9rer uniquement les flux de tr\u00e9sorerie n\u00e9cessaires et le choix du moment des paiements de dividendes pour \u00e9viter l\u2019imp\u00f4t de r\u00e9cup\u00e9ration de la S\u00e9curit\u00e9 de la vieillesse (SV).<\/span><\/p>

Prot\u00e9ger votre patrimoine<\/h5>

Votre d\u00e9c\u00e8s ou invalidit\u00e9 pr\u00e9matur\u00e9 (ou celui de votre conjoint) pourrait avoir une incidence n\u00e9gative sur la s\u00e9curit\u00e9 financi\u00e8re de votre famille, for\u00e7ant vos proches \u00e0 puiser dans leur \u00e9pargne retraite pour payer des d\u00e9penses quotidiennes et des factures pour soins m\u00e9dicaux plus t\u00f4t que pr\u00e9vu. Envisagez de souscrire une assurance vie pour couvrir vos dettes ou la perte de votre revenu, ou une assurance invalidit\u00e9 pour prot\u00e9ger votre capacit\u00e9 \u00e0 gagner votre vie. Est-ce que vos proches seraient en s\u00e9curit\u00e9 financi\u00e8re si vous ou votre conjoint d\u00e9c\u00e9diez ou deveniez invalide de fa\u00e7on permanente aujourd\u2019hui?<\/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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Il n\u2019est jamais trop t\u00f4t pour commencer<\/h5>

Il peut \u00eatre tr\u00e8s avantageux de vous familiariser avec vos options \u00e0 la retraite et de la planifier. Communiquez avec votre conseiller de Wellington-Altus pour obtenir une projection de retraite ou concevoir un plan patrimonial plus complet et d\u00e9terminer les prochaines \u00e9tapes de la planification de votre retraite.<\/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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Faits importants sur la retraite<\/h5>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\u2022 18\u00a0% <\/strong> de la population canadienne est \u00e2g\u00e9e de 65\u00a0ans et plus<\/strong>, un chiffre qui devrait augmenter \u00e0 22\u00a0% <\/strong>d\u2019ici 2068<\/strong>.
\n\u2022\tLes Canadiens ont vers\u00e9 50\u00a0milliards de dollars dans des REER<\/strong> en\u00a02020, soit 13\u00a0% de plus que l\u2019ann\u00e9e pr\u00e9c\u00e9dente.
\n\u2022\t\u00ab\u00a0Manquer d\u2019argent avant de mourir\u00a0\u00bb et \u00ab\u00a0Ne pas pouvoir payer les soins de longue dur\u00e9e\u00a0\u00bb sont les principales pr\u00e9occupations financi\u00e8res <\/strong> des Canadiens, selon PF\u00a0Canada.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Risques associ\u00e9s au vieillissement<\/h5>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\u2022\t Les chutes sont responsables de 87\u00a0%<\/strong> des hospitalisations li\u00e9es \u00e0 une blessure chez les a\u00een\u00e9s canadiens, 95\u00a0% de toutes les fractures de la hanche et de\u00a0co\u00fbts de plus 5\u00a0milliards de dollars <\/strong> par ann\u00e9e.
\n\u2022\t 6,7\u00a0% <\/strong>des personnes \u00e2g\u00e9es de 65 ans et plus vivaient avec la d\u00e9mence <\/strong> en 2016-2017.
\n\u2022\t Environ 7,5\u00a0%<\/strong> des a\u00een\u00e9s ont subi des mauvais traitements.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Sources\u00a0: Statistique Canada et Sant\u00e9 Canada<\/em><\/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<\/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":"

Canadians have historically relied upon employer-sponsored pension plans, government benefits and their
\nown assets\u2014including rising real estate prices\u2014to cover their financial needs in retirement. <\/p>","protected":false},"author":17,"featured_media":6291,"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-6398","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-wealth-planning","tag-english","tag-francais","tag-french"],"acf":[],"yoast_head":"\nKey Considerations When Planning for Retirement - 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\/key-considerationswhen-planning-for-retirement\/\" \/>\n<meta property=\"og:locale\" content=\"fr_CA\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Key Considerations When Planning for Retirement - 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