{"id":11471,"date":"2022-10-17T16:11:57","date_gmt":"2022-10-17T20:11:57","guid":{"rendered":"https:\/\/www.eckler.ca\/la-colombie-britannique-modifie-reglements-en-matiere-de-prestations-de-retraite-et-ses-normes\/"},"modified":"2022-10-20T13:01:19","modified_gmt":"2022-10-20T17:01:19","slug":"la-colombie-britannique-modifie-reglements-en-matiere-de-prestations-de-retraite-et-ses-normes","status":"publish","type":"post","link":"https:\/\/www.eckler.ca\/fr\/la-colombie-britannique-modifie-reglements-en-matiere-de-prestations-de-retraite-et-ses-normes\/","title":{"rendered":"La Colombie-Britannique modifie <i>r\u00e8glements en mati\u00e8re de prestations de retraite <\/i> et <i> ses normes <\/i>"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_column_text]<\/p>\n<h2>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][basic_container container_size=&#8221;container container-narrow&#8221;][vc_column_text]<\/h2>\n<h2><span lang=\"FR-CA\">R\u00e9forme de la d\u00e9finition de la\u00a0PED des r\u00e9gimes de retraite \u00e0 prestations cibles<\/span><\/h2>\n<p><span style=\"color: #00425b;\"><em><strong>Communiqu\u00e9 sp\u00e9cial &#8211; Le 14 octobre 2022\u00a0<\/strong><\/em><\/span><\/p>\n<p>La Colombie-Britannique a annonc\u00e9 une refonte majeure de la provision pour \u00e9carts d\u00e9favorables\u00a0(PED) applicable aux r\u00e9gimes de retraite \u00e0 prestations cibles. En g\u00e9n\u00e9ral, les modifications se traduiront par une exigence de capitalisation minimale plus faible et plus pr\u00e9visible, qui refl\u00e8te mieux les circonstances particuli\u00e8res de chaque r\u00e9gime.<\/p>\n<p>Les modifications entrent en vigueur pour la premi\u00e8re \u00e9valuation actuarielle d\u2019un r\u00e9gime prenant effet le ou apr\u00e8s le 31\u00a0d\u00e9cembre\u00a02022.<\/p>\n<p>En vertu de la <em>Pension Benefits Standards Act<\/em> de Colombie-Britannique et de son r\u00e8glement d\u2019application, les cotisations \u00e0 un r\u00e9gime de retraite \u00e0 prestations cibles doivent \u00eatre suffisantes pour capitaliser le r\u00e9gime sur la base de la continuit\u00e9 des op\u00e9rations, plus une\u00a0PED sur la cotisation d\u2019exercice. Avant de pouvoir accorder une augmentation des prestations, la\u00a0PED doit \u00e9galement \u00eatre capitalis\u00e9e dans le bilan de l\u2019\u00e9valuation.<\/p>\n<p>La nouvelle d\u00e9finition de la\u00a0PED pour les r\u00e9gimes de retraite \u00e0 prestations cibles comprend deux \u00e9l\u00e9ments\u00a0:<\/p>\n<ul>\n<li>Une PED minimale fixe de 7,5\u00a0%;<\/li>\n<li>Une PED suppl\u00e9mentaire, ou un \u00ab\u00a0pourcentage suppl\u00e9mentaire\u00a0\u00bb, \u00e0 d\u00e9terminer par l\u2019administrateur du r\u00e9gime (par exemple le conseil des fiduciaires).<\/li>\n<\/ul>\n<p>La politique de capitalisation du r\u00e9gime doit indiquer comment le pourcentage suppl\u00e9mentaire est cens\u00e9 atteindre les objectifs en mati\u00e8re de capitalisation et g\u00e9rer les risques. Le pourcentage suppl\u00e9mentaire peut \u00eatre aussi bas que z\u00e9ro si l\u2019administrateur du r\u00e9gime le juge appropri\u00e9. De nouvelles directives sur les attentes du surintendant concernant le pourcentage suppl\u00e9mentaire sont attendues sous peu.<\/p>\n<p>Il s\u2019agit d\u2019un \u00e9cart important par rapport \u00e0 la d\u00e9finition actuelle de la\u00a0PED, qui est \u00e0 la fois complexe et volatile. Dans l\u2019environnement de faibles taux d\u2019int\u00e9r\u00eat de ces derni\u00e8res ann\u00e9es, de nombreux r\u00e9gimes ont connu de fortes hausses de leur\u00a0PED. Le <a href=\"https:\/\/www.bcfsa.ca\/about-us\/news\/industry-communications\/bcfsas-2022-report-on-pension-plans-registered-british-columbia\" target=\"_blank\" rel=\"noopener\">rapport<\/a>* d\u2019octobre 2022 de la BC Financial Security Authority (BCFSA) indique que la PED moyenne des r\u00e9gimes de retraite \u00e0 prestations cibles \u00e9tait de 17 % en 2015 et de 28 % en 2020.<\/p>\n<p>La r\u00e9forme de la\u00a0PED apportera un soulagement bienvenu aux administrateurs de r\u00e9gimes, bien qu\u2019un examen attentif soit n\u00e9cessaire pour d\u00e9terminer le pourcentage suppl\u00e9mentaire appropri\u00e9 en fonction de la situation de chaque r\u00e9gime. Nous nous attendons \u00e0 ce que les administrateurs de r\u00e9gimes prennent en compte de nombreux facteurs, qui pourraient inclure\u00a0:<\/p>\n<ul>\n<li>Le risque d\u2019investissement (refl\u00e9tant la strat\u00e9gie d\u2019investissement du r\u00e9gime d\u2019une mani\u00e8re plus sophistiqu\u00e9e que la simple r\u00e9partition entre les actions et les autres investissements selon la d\u00e9finition actuelle de la\u00a0PED);<\/li>\n<li>Le risque li\u00e9 \u00e0 la non-concordance entre l\u2019actif et le passif;<\/li>\n<li>La maturit\u00e9 du r\u00e9gime;<\/li>\n<li>Le risque li\u00e9 aux cotisations.<\/li>\n<\/ul>\n<p>\u00c0 l\u2019heure actuelle, le calcul de la\u00a0PED pour les dispositions \u00e0 prestations cibles des r\u00e9gimes enregistr\u00e9s en Colombie-Britannique et en Alberta est harmonis\u00e9. L\u2019Alberta a r\u00e9cemment invit\u00e9 les intervenants \u00e0 faire part de leurs commentaires sur de nombreux aspects de la l\u00e9gislation sur les r\u00e9gimes de retraite du secteur priv\u00e9, notamment sur la\u00a0PED applicable aux dispositions relatives aux prestations cibles. Bien qu\u2019il n\u2019y ait pas encore eu de confirmation, en fonction des cadres possibles soulev\u00e9s lors de la consultation, les modifications en Colombie-Britannique pourraient bient\u00f4t se refl\u00e9ter en Alberta.<\/p>\n<blockquote>\n<p><strong><span style=\"color: #d10055;\">Repercussion: <\/span><\/strong>La BCFSA a d\u00e9clar\u00e9 qu\u2019elle pr\u00e9voyait publier prochainement des directives r\u00e9glementaires d\u00e9finissant ses attentes en mati\u00e8re d\u2019\u00e9laboration et de documentation de la nouvelle\u00a0PED. Eckler fournira une analyse plus approfondie des changements et de leurs r\u00e9percussions sur les r\u00e9gimes de retraite d\u00e8s que de plus amples d\u00e9tails seront disponibles.<\/p>\n<\/blockquote>\n<p><em>*En anglais seulement<\/em>[\/vc_column_text][\/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\/2022\/10\/ECKLER_Special-Notice_OCT14-_FR-nd-3.pdf\" target=\"_blank\" class=\"btn btn-primary btn-solid\" title=\"Home\">\n\t\t\t\t\t\t\t\t\tT\u00c9L\u00c9CHARGER\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][vc_column_text][\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text][\/vc_column_text][\/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;\">Ce <em>Communiqu\u00e9 sp\u00e9cial<\/em> a \u00e9t\u00e9 pr\u00e9par\u00e9 \u00e0 des fins d\u2019information g\u00e9n\u00e9rale seulement et ne constitue pas des conseils professionnels. Si vous avez besoin de conseils professionnels relativement \u00e0 des aspects trait\u00e9s dans cette publication, veuillez communiquer avec un conseiller d\u2019Eckler.\u00a0<\/span><span style=\"font-size: small;\">\u00a0\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>La Colombie-Britannique a annonc\u00e9 une refonte majeure de la provision pour \u00e9carts d\u00e9favorables (PED) applicable aux r\u00e9gimes de retraite \u00e0 prestations cibles. En g\u00e9n\u00e9ral, les modifications se traduiront par une &hellip; [&#8230;]<\/p>\n","protected":false},"author":3,"featured_media":2102,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[67],"tags":[367,255,253,384,382,387,304],"class_list":["post-11471","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-communique-special-fr","tag-conseil-actuariel","tag-consultation-en-regimes-de-retraite","tag-consultation-en-regimes-de-retraite-et-en-avantages-sociaux","tag-la-colombie-britannique","tag-pfad","tag-plans-de-pension-a-prestations-cibles","tag-retraites","service-conseil-en-matiere-de-regimes-de-retraite-a-prestations-cibles"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.8 (Yoast SEO v26.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>La Colombie-Britannique modifie r\u00e8glements en mati\u00e8re de prestations de retraite  et  ses normes  - 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