{"id":10181,"date":"2022-05-10T10:45:52","date_gmt":"2022-05-10T14:45:52","guid":{"rendered":"https:\/\/www.eckler.ca\/la-difficulte-de-prevoir-les-revenus-de-retraite\/"},"modified":"2022-05-10T11:10:07","modified_gmt":"2022-05-10T15:10:07","slug":"la-difficulte-de-prevoir-les-revenus-de-retraite","status":"publish","type":"post","link":"https:\/\/www.eckler.ca\/fr\/la-difficulte-de-prevoir-les-revenus-de-retraite\/","title":{"rendered":"La difficult\u00e9 de pr\u00e9voir les revenus de retraite"},"content":{"rendered":"

[vc_row][vc_column][basic_container container_size=”container container-narrow”][vc_column_text]Outil de suivi des r\u00e9gimes de capitalisation (CAPit)<\/em> – Mai 2022<\/strong><\/span><\/p>\n

Compte tenu des \u00e9v\u00e9nements n\u00e9gatifs des derniers temps – l’invasion de l’Ukraine par la Russie, la flamb\u00e9e de l’inflation et la recrudescence des \u00e9pid\u00e9mies de COVID-19 – la plupart seront surpris d’apprendre que les r\u00e9sultats des participants au r\u00e9gime de capitalisation (RC) ont continu\u00e9 de s’am\u00e9liorer au premier trimestre de l’ann\u00e9e. Un participant type prenant sa retraite \u00e0 la fin de mars 2022 a atteint un ratio de remplacement du revenu brut de 60,6 % et une participante a atteint 59,1 % – des niveaux qui n’ont pas \u00e9t\u00e9 vus depuis 2015.<\/p>\n

\"Le<\/a><\/p>\n

Alors que les participants auront probablement constat\u00e9 une baisse de leurs portefeuilles d’investissement depuis le d\u00e9but de l’ann\u00e9e, une tendance \u00e0 la hausse des ratios de remplacement du revenu brut pourrait para\u00eetre contre-intuitive.<\/p>\n

Toutefois, il est int\u00e9ressant de noter que la hausse des taux d’int\u00e9r\u00eat, qui a largement contribu\u00e9 \u00e0 la baisse des march\u00e9s d’investissement, a eu un effet positif sur les taux d\u2019achat de rente. Par cons\u00e9quent, la baisse de la valeur du portefeuille est compens\u00e9e par des versements de rente plus \u00e9lev\u00e9s.<\/p>\n

Les revenus de retraite des participants aux r\u00e9gimes de capitalisation ont \u00e9galement b\u00e9n\u00e9fici\u00e9, au cours des derni\u00e8res ann\u00e9es, d’une autre tendance inattendue. Les participants canadiens ont r\u00e9duit leur pr\u00e9f\u00e9rence pour des investissements dans leur propre pays, refl\u00e9tant ainsi la tendance des portefeuilles institutionnels \u00e0 d\u00e9laisser les actions canadiennes. L’exposition aux actions canadiennes est pass\u00e9e de 23 % du solde des comptes des participants en 2010 \u00e0 seulement 11 % en 20201<\/sup>,2<\/sup>. Compte tenu du fait que les actions canadiennes ont sous-perform\u00e9 le march\u00e9 mondial au cours de la derni\u00e8re d\u00e9cennie3<\/sup>, ce changement a g\u00e9n\u00e9r\u00e9 un impact positif pour les participants aux r\u00e9gimes de capitalisation.<\/p>\n

La planification et la cr\u00e9ation d’un revenu de retraite peuvent devenir un processus complexe et intimidant. Pour comprendre les nombreux facteurs qui influent sur les revenus de retraite des participants, et la fa\u00e7on dont ils peuvent interagir, il faut des connaissances approfondies et des outils sophistiqu\u00e9s. Il est ainsi essentiel d’offrir aux participants une formation, des outils et un soutien en mati\u00e8re de bien-\u00eatre financier pour qu’ils obtiennent les r\u00e9sultats qu’ils souhaitent \u00e0 la retraite.<\/p>\n

\n

1<\/sup> Selon le rapport 2021 de la Sun Life intitul\u00e9 \u2018Objectif \u00e9pargne\u2019<\/small>
\n2<\/sup> Ne comprend pas l’exposition aux actions canadiennes incluse dans les portefeuilles \u00c9quilibr\u00e9, \u00e0 risque cible ou \u00e0 date cible.<\/small>
\n3<\/sup> P\u00e9riode se terminant le 31 mars 2022. Comparaison de l’indice MSCI Monde en dollars canadiens avec l’indice S&P\/TSX Compos\u00e9. <\/small>[\/vc_column_text][vc_empty_space][\/basic_container][\/vc_column][\/vc_row][vc_row][vc_column][basic_container container_size=”container container-narrow” text_align=”text-center”][vc_row_inner][vc_column_inner css=”.vc_custom_1565885342436{background-color: #d0e9e7 !important;}”][vc_column_text]<\/p>\n

Au sujet de l’outil de suivi du r\u00e9gime de capitalisation<\/strong><\/p>\n

L\u2019outil de suivi du revenu du r\u00e9gime de capitalisation pr\u00e9sume qu\u2019un participant a effectu\u00e9 des cotisations annuelles \u00e0 un rythme de 10 % \u00e0 compter de l\u2019\u00e2ge de 40 ans, qu\u2019il recevra les prestations maximales de la S\u00e9curit\u00e9 de la vieillesse et du R\u00e9gime de pensions du Canada\/ R\u00e9gime des rentes du Qu\u00e9bec, et qu\u2019il utilisera le solde de son compte du r\u00e9gime de capitalisation \u00e0 la retraite pour acheter une rente. Le compte du r\u00e9gime de capitalisation du participant est investi en fonction d\u2019une strat\u00e9gie \u00e9quilibr\u00e9e. Le salaire a \u00e9t\u00e9 rajust\u00e9 annuellement conform\u00e9ment aux changements du salaire moyen par activit\u00e9 \u00e9conomique et il est \u00e9tabli \u00e0 69 377 $ au 31 mars 2022.<\/p>\n

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<\/div>[vc_column_text]Le pr\u00e9sent Outil de suivi des r\u00e9gimes de capitalisation (CAPit) a \u00e9t\u00e9 pr\u00e9par\u00e9 \u00e0 titre informatif seulement et ne constitue aucunement un avis professionnel. Veuillez communiquer avec un conseiller de chez Eckler si vous avez besoin d\u2019un avis professionnel fond\u00e9 sur le contenu du pr\u00e9sent CAPit. \u00a0\u00a0 <\/span>[\/vc_column_text]
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Compte tenu des \u00e9v\u00e9nements n\u00e9gatifs des derniers temps – l’invasion de l’Ukraine par la Russie, la flamb\u00e9e de l’inflation et la recrudescence des \u00e9pid\u00e9mies de COVID-19 – la plupart seront … […]<\/p>\n","protected":false},"author":3,"featured_media":2703,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[73],"tags":[240,277,239,236,238,237],"class_list":["post-10181","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-capit-fr","tag-conseil-en-matiere-de-regimes-de-retraite-a-cotisations-definies","tag-epargne-retraite","tag-pensions-a-cotisations-definies","tag-plans-de-capitalisation","tag-plans-de-pension-a-cotisations-definies","tag-ratio-de-remplacement-du-revenu-brut","service-consultation-en-regimes-de-retraite-et-en-avantages-sociaux","service-consultation-sur-les-regimes-a-cotisations-determinees-et-les-regimes-de-capitalisation"],"acf":[],"yoast_head":"\nLa difficult\u00e9 de pr\u00e9voir les revenus de retraite - 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