{"id":12951,"date":"2023-05-11T09:30:36","date_gmt":"2023-05-11T13:30:36","guid":{"rendered":"https:\/\/www.eckler.ca\/?p=12951"},"modified":"2023-05-11T11:03:32","modified_gmt":"2023-05-11T15:03:32","slug":"les-preoccupations-liees-a-la-retraite-pesent-lourd-dans-le-contexte-economique-actuel","status":"publish","type":"post","link":"https:\/\/www.eckler.ca\/fr\/les-preoccupations-liees-a-la-retraite-pesent-lourd-dans-le-contexte-economique-actuel\/","title":{"rendered":"Les pr\u00e9occupations li\u00e9es \u00e0 la retraite p\u00e8sent lourd dans le contexte \u00e9conomique actuel"},"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 Mai 2023<\/em><\/strong><\/span><\/p>\n<p>Au premier trimestre 2023, les r\u00e9sultats des participants aux r\u00e9gimes de capitalisation sont rest\u00e9s relativement inchang\u00e9s, les rendements positifs du march\u00e9 ayant \u00e9t\u00e9 contrebalanc\u00e9s par la baisse des taux d\u2019achat de rente. Un participant type prenant sa retraite \u00e0 la fin du mois de mars 2023 a atteint un ratio de remplacement du revenu brut de 62,3 %, ratio qui passe \u00e0 60,7 % pour une participante.<\/p>\n<p><img decoding=\"async\" class=\"alignnone size-full wp-image-12961\" src=\"https:\/\/www.eckler.ca\/app\/uploads\/2018\/04\/Graph_CAPit_27Apr23_FR.svg\" alt=\"Outil de suivi du revenue des regimes de capitalisation\" \/>La derni\u00e8re ann\u00e9e a \u00e9t\u00e9 difficile pour le bien-\u00eatre financier de nombreux Canadiens. Du point de vue de l&#8217;investissement, il n&#8217;y avait pas d&#8217;endroit o\u00f9 se cacher en 2022. Les actions et les obligations ont chut\u00e9 \u00e0 des niveaux que nous n\u2019avons pas vu depuis des ann\u00e9es, laissant les Canadiens, qu&#8217;ils soient proches ou \u00e9loign\u00e9s de la retraite, dans une situation financi\u00e8re similaire. Selon une enqu\u00eate r\u00e9cente, 64 % des Canadiens d\u00e9clarent ne pas \u00eatre en mesure d&#8217;\u00e9pargner suffisamment pour leur retraite. Plus d&#8217;un tiers d&#8217;entre eux d\u00e9clarent aujourd&#8217;hui n&#8217;avoir aucune id\u00e9e de ce que sera leur plan de retraite, et un tiers affirment qu&#8217;ils ne cesseront jamais de travailler (\u00e0 temps partiel ou de mani\u00e8re occasionnelle), bien qu&#8217;ils souhaitent prendre leur retraite.<\/p>\n<p>Les difficult\u00e9s ne se limitent toutefois pas au rendement des placements, car la hausse de l&#8217;inflation et des taux d&#8217;int\u00e9r\u00eat a entra\u00een\u00e9 une augmentation du co\u00fbt de la vie et une diminution du pouvoir d&#8217;achat pour de nombreuses personnes. En fait, un salaire de 50\u00a0000\u00a0$ \u00a0en mars 2020 vaudrait environ 44\u00a0603\u00a0$ \u00e0 la fin du mois de d\u00e9cembre 2022. De l&#8217;\u00e9picerie \u00e0 la pompe \u00e0 essence et partout entre les deux, les Canadiens sont \u00e0 court d&#8217;argent et soumis \u00e0 des pressions financi\u00e8res d&#8217;une ampleur in\u00e9gal\u00e9e depuis la r\u00e9cession de 2008.<\/p>\n<p>Ce stress financier se r\u00e9percute \u00e9galement sur les lieux de travail. Selon un r\u00e9cent sondage, 82\u00a0% des Canadiens admettent passer du temps au travail \u00e0 s&#8217;inqui\u00e9ter de leurs finances personnelles. Le co\u00fbt de cette distraction au travail? On estime qu&#8217;il atteindra 40 milliards de dollars en 2022.<\/p>\n<p>Bien qu&#8217;une saine strat\u00e9gie d&#8217;investissement soit un \u00e9l\u00e9ment cl\u00e9 d&#8217;une bonne planification de la retraite, comme nous l&#8217;avons vu au cours de la derni\u00e8re ann\u00e9e, cela pourrait ne pas suffire. L&#8217;\u00e9ducation et les outils de bien-\u00eatre financier sur les lieux de travail peuvent jouer un r\u00f4le important en aidant les employ\u00e9s \u00e0 g\u00e9rer leur stress financier &#8211; et \u00e0 prendre leur retraite \u00e0 temps &#8211; tout en att\u00e9nuant l&#8217;impact sur les r\u00e9sultats de l&#8217;organisation.[\/vc_column_text][vc_column_text]<\/p>\n<h4 style=\"text-align: left;\"><span style=\"color: #2f5167;\"><strong>Au sujet de l\u2019outil de suivi du revenu des r\u00e9gimes de capitalisation<\/strong><\/span><\/h4>\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 71 209 $ au 31 mars 2023.<\/p>\n<p>[\/vc_column_text][vc_column_text][\/vc_column_text][vc_separator css=&#8221;.vc_custom_1682530779571{background-color: #79c4bd !important;}&#8221;][vc_column_text]<small><sup>1<\/sup>Indice d&#8217;accessibilit\u00e9 financi\u00e8re BDO 2022<\/small><br \/>\n<small><sup>2<\/sup>Enqu\u00eate men\u00e9e par Ceridian, en partenariat avec le Financial Wellness Lab of Canada<\/small><br \/>\n<small><sup>3<\/sup>14<sup>e<\/sup> sondage annuel de l&#8217;Association nationale de la paie aupr\u00e8s des travailleurs canadiens, 2022<\/small>[\/vc_column_text][vc_column_text][\/vc_column_text][\/basic_container][\/vc_column][\/vc_row][vc_row][vc_column][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; accent_color=&#8221;#49bfb5&#8243;][\/vc_column][\/vc_row][vc_row][vc_column]\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\/2023\/05\/ECK043-CAPit_FR_May.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][basic_container container_size=&#8221;container container-narrow&#8221; bg_type=&#8221;solid&#8221; bg_color=&#8221;bg-light&#8221;][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][\/basic_container][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Au premier trimestre 2023, les r\u00e9sultats des participants aux r\u00e9gimes de capitalisation sont rest\u00e9s relativement inchang\u00e9s, les rendements positifs du march\u00e9 ayant \u00e9t\u00e9 contrebalanc\u00e9s par la baisse des taux d\u2019achat &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":[],"class_list":["post-12951","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-capit-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) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Les pr\u00e9occupations li\u00e9es \u00e0 la retraite p\u00e8sent lourd dans le contexte \u00e9conomique actuel - Eckler<\/title>\n<meta name=\"description\" content=\"Au premier trimestre 2023, les r\u00e9sultats des participants aux r\u00e9gimes de capitalisation sont rest\u00e9s relativement inchang\u00e9s, les rendements positifs du march\u00e9 ayant \u00e9t\u00e9 contrebalanc\u00e9s par la baisse des taux d\u2019achat de rente. Un participant type prenant sa retraite \u00e0 la fin du mois de mars 2023 a atteint un ratio de remplacement du revenu brut de 62,3 %, ratio qui passe \u00e0 60,7 % pour une participante.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.eckler.ca\/retirement-concerns-weigh-heavy-in-current-economic-environment\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Les pr\u00e9occupations li\u00e9es \u00e0 la retraite p\u00e8sent lourd dans le contexte \u00e9conomique actuel\" \/>\n<meta property=\"og:description\" content=\"Au premier trimestre 2023, les r\u00e9sultats des participants aux r\u00e9gimes de capitalisation sont rest\u00e9s relativement inchang\u00e9s, les rendements positifs du march\u00e9 ayant \u00e9t\u00e9 contrebalanc\u00e9s par la baisse des taux d\u2019achat de rente. 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