{"id":11073,"date":"2022-08-23T09:00:50","date_gmt":"2022-08-23T13:00:50","guid":{"rendered":"https:\/\/www.eckler.ca\/?p=11073"},"modified":"2022-08-23T09:51:12","modified_gmt":"2022-08-23T13:51:12","slug":"limpact-positif-de-la-hausse-des-taux-dinteret-pour-les-participants-aux-regimes-de-capitalisation","status":"publish","type":"post","link":"https:\/\/www.eckler.ca\/fr\/limpact-positif-de-la-hausse-des-taux-dinteret-pour-les-participants-aux-regimes-de-capitalisation\/","title":{"rendered":"L&#8217;impact positif de la hausse des taux d&#8217;int\u00e9r\u00eat pour les participants aux r\u00e9gimes de capitalisation"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][basic_container container_size=&#8221;container container-narrow&#8221;][vc_column_text]<span style=\"color: #00425b;\"><strong><em>Outil de suivi des r\u00e9gimes de capitalisation (CAPit) \u2013 <b>Ao\u00fbt<\/b> 2022<\/em><\/strong><\/span><\/p>\n<p>La hausse des taux d&#8217;int\u00e9r\u00eat et l&#8217;augmentation correspondante des taux d\u2019achat de rente ont contribu\u00e9 \u00e0 compenser la chute des march\u00e9s d&#8217;investissement et les r\u00e9sultats des participants aux r\u00e9gimes de capitalisation (RC) n&#8217;ont connu qu&#8217;une l\u00e9g\u00e8re baisse au deuxi\u00e8me trimestre. Un participant type prenant sa retraite \u00e0 la fin du mois de juin 2022 a atteint un ratio de remplacement du revenu brut de 60,2 % et une participante a atteint 58,8 %.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-5659 size-large\" src=\"https:\/\/www.eckler.ca\/app\/uploads\/2022\/08\/Graph_CAPit_27Jul21_FR.svg\" alt=\"\" width=\"1024\" height=\"427\" \/><\/p>\n<p>L&#8217;ann\u00e9e derni\u00e8re, nous avons parl\u00e9 du mouvement visant \u00e0 am\u00e9liorer les r\u00e9sultats des participants gr\u00e2ce aux d\u00e9cisions actives des organismes de r\u00e9glementation et des promoteurs de r\u00e9gimes, qui comprenaient six recommandations formul\u00e9es par le Comit\u00e9 consultatif technique pour l\u2019examen des r\u00e9gimes \u00e0 cotisations d\u00e9termin\u00e9es (CCT) de l\u2019ARSF et du BSIF. L&#8217;Association canadienne des organismes de contr\u00f4le des r\u00e9gimes de retraite (ACOR) vient de publier un projet de mise \u00e0 jour de la <a href=\"https:\/\/www.capsa-acor.org\/Documents\/View\/1903\">Ligne directrice no 3 de l&#8217;ACOR (Lignes directrices pour les r\u00e9gimes de capitalisation)<\/a>, qui porte sur plusieurs \u00e9l\u00e9ments cl\u00e9s, ax\u00e9s sur l&#8217;am\u00e9lioration des r\u00e9sultats des participants.<\/p>\n<p>Ces elements comprennent :[\/vc_column_text][vc_empty_space][vc_row_inner][vc_column_inner width=&#8221;1\/3&#8243;][vc_empty_space height=&#8221;15px&#8221;][vc_column_text]<span style=\"color: #063d58;\"><strong>Diminution de l\u2019accent sur l\u2019accumulation <\/strong><\/span>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;2\/3&#8243;][vc_column_text]<\/p>\n<ul>\n<li>Orientation suppl\u00e9mentaire sur la d\u00e9cumulation et les v\u00e9hicules d&#8217;\u00e9pargne post-retraite;<\/li>\n<li>Reconnaissance du fait que les phases d&#8217;accumulation et de d\u00e9cumulation sont tout aussi importantes en ce qui concerne le bien-\u00eatre des participants.<\/li>\n<\/ul>\n<hr \/>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner width=&#8221;1\/3&#8243;][vc_empty_space height=&#8221;15px&#8221;][vc_column_text]<span style=\"color: #063d58;\"><strong>Formation des participants<\/strong><\/span>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;2\/3&#8243;][vc_column_text]<\/p>\n<ul>\n<li>Encourager l&#8217;\u00e9ducation active et la communication avec les participants aux RC;<\/li>\n<li>Fournir aux participants des projections de revenus de retraite afin de mieux comprendre les revenus \u00e0 la retraite;<\/li>\n<li>Sensibiliser les participants aux caract\u00e9ristiques du r\u00e9gime de capitalisation qui peuvent am\u00e9liorer leurs r\u00e9sultats potentiels (par, ex. la contrepartie des cotisations de l&#8217;employeur).<\/li>\n<\/ul>\n<hr \/>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner width=&#8221;1\/3&#8243;][vc_empty_space height=&#8221;15px&#8221;][vc_column_text]<span style=\"color: #063d58;\"><strong>Une transparence accrue<\/strong><\/span>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;2\/3&#8243;][vc_column_text]<\/p>\n<ul>\n<li>Renseignements suppl\u00e9mentaires sur les frais de placement et leur caract\u00e8re raisonnable, et veiller \u00e0 ce que les participants aux r\u00e9gimes de capitalisation tiennent compte de l&#8217;incidence des frais sur leur \u00e9pargne;<\/li>\n<li>S&#8217;assurer que tout conflit d&#8217;int\u00e9r\u00eats potentiel est signal\u00e9 aux participants et aux promoteurs de r\u00e9gimes;<\/li>\n<li>Encourager les promoteurs de r\u00e9gimes \u00e0 donner une image de marque aux communications destin\u00e9es aux employ\u00e9s afin de promouvoir une relation de confiance entre l&#8217;employeur et l&#8217;employ\u00e9.<\/li>\n<\/ul>\n<hr \/>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_empty_space][vc_column_text]Nous croyons que ce projet de lignes directrices constitue une \u00e9tape cruciale vers l&#8217;am\u00e9lioration des r\u00e9sultats en mati\u00e8re de retraite pour les participants aux r\u00e9gimes. L&#8217;ACOR souhaitait obtenir des commentaires sur les lignes directrices propos\u00e9es avant le 15 ao\u00fbt. Eckler a consult\u00e9 des clients qui parrainent des r\u00e9gimes de capitalisation et a soumis nos commentaires. Si vous souhaitez examiner l&#8217;\u00e9bauche, veuillez consulter le site Web de l&#8217;ACOR.<\/p>\n<p>Pour consulter le projet de mise \u00e0 jour, veuillez visiter le\u00a0<a href=\"https:\/\/www.capsa-acor.org\/\" target=\"_blank\" rel=\"noopener\">site Web de l&#8217;ACOR<\/a>.[\/vc_column_text][vc_empty_space][\/basic_container][\/vc_column][\/vc_row][vc_row][vc_column][basic_container container_size=&#8221;container container-narrow&#8221; text_align=&#8221;text-center&#8221;][vc_row_inner][vc_column_inner css=&#8221;.vc_custom_1565885342436{background-color: #d0e9e7 !important;}&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: left;\"><strong>Au sujet de l\u2019outil de suivi du revenu des r\u00e9gimes de capitalisation<\/strong><\/p>\n<p style=\"text-align: left;\">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 juin 2022.<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/basic_container]<div class=\"clearfix global-margin-y\"><\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; accent_color=&#8221;#49bfb5&#8243;]\t<div class=\"row\">\n\t\t<div class=\"general-cta background-image-loading   gradient-background image \"  data-src=\"<149:https:\/\/www.eckler.ca\/app\/uploads\/2019\/03\/f2651f63a14cdfed1bf612269da8668f0e87b5e2-450x150.jpg,<319:https:\/\/www.eckler.ca\/app\/uploads\/2019\/03\/f2651f63a14cdfed1bf612269da8668f0e87b5e2-960x320.jpg,<479:https:\/\/www.eckler.ca\/app\/uploads\/2019\/03\/f2651f63a14cdfed1bf612269da8668f0e87b5e2-1440x480.jpg,<767:https:\/\/www.eckler.ca\/app\/uploads\/2019\/03\/f2651f63a14cdfed1bf612269da8668f0e87b5e2-1600x533.jpg,<991:https:\/\/www.eckler.ca\/app\/uploads\/2019\/03\/f2651f63a14cdfed1bf612269da8668f0e87b5e2-1599x533.jpg,<1199:https:\/\/www.eckler.ca\/app\/uploads\/2019\/03\/f2651f63a14cdfed1bf612269da8668f0e87b5e2-1600x533.jpg,<1399:https:\/\/www.eckler.ca\/app\/uploads\/2019\/03\/f2651f63a14cdfed1bf612269da8668f0e87b5e2-1600x533.jpg,>1400:https:\/\/www.eckler.ca\/app\/uploads\/2019\/03\/f2651f63a14cdfed1bf612269da8668f0e87b5e2-1600x533.jpg\">\n\t\t\t\t\t\t\t<div class=\"general-cta-gradient-bg\"><\/div>\n\t\t\t\t\t\t<div class=\"general-cta-overlay overlay-light\"><\/div>\n\t\t\t<div class=\"container\">\n\t\t\t\t<div class=\"row\">\n\t\t\t\t\t<div class=\"general-cta-box\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"general-cta-button-only\"><\/div>\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"general-cta-button\">\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.eckler.ca\/app\/uploads\/2021\/08\/CAPit_FR_Jun30-FINAL.pdf\" target=\"_blank\" class=\"btn btn-primary btn-solid\" title=\"Home\">\n\t\t\t\t\t\t\t\t\tT\u00e9l\u00e9charger\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t    \t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n[\/vc_column][\/vc_row][vc_row][vc_column]<div class=\"clearfix global-margin-y\"><\/div>[\/vc_column][\/vc_row][vc_row][vc_column][basic_container container_size=&#8221;container container-narrow&#8221; bg_type=&#8221;solid&#8221; bg_color=&#8221;bg-light&#8221;]<div class=\"clearfix global-margin-y\"><\/div>[vc_column_text]<span style=\"font-size: small;\">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 <\/span>[\/vc_column_text]<div class=\"clearfix global-margin-y\"><\/div>[\/basic_container][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column][basic_container container_size=&#8221;container container-narrow&#8221;][vc_column_text]Outil de suivi des r\u00e9gimes de capitalisation (CAPit) \u2013 Ao\u00fbt 2022<\/p>\n<p>La hausse des taux d&#8217;int\u00e9r\u00eat et l&#8217;augmentation correspondante des taux d\u2019achat de rente ont contribu\u00e9 \u00e0 compenser &hellip; [&#8230;]<\/p>\n","protected":false},"author":14,"featured_media":2703,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[73],"tags":[240,277,239,236,238,237,344],"class_list":["post-11073","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","tag-retirement-savings-fr","service-consultation-sur-les-regimes-a-cotisations-determinees-et-les-regimes-de-capitalisation"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.8 (Yoast SEO v26.8) - 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