{"id":3294,"date":"2019-09-08T14:11:19","date_gmt":"2019-09-08T18:11:19","guid":{"rendered":"https:\/\/www.eckler.ca\/la-nouvelle-norme-et-comment-sy-adapter\/"},"modified":"2020-02-28T11:26:38","modified_gmt":"2020-02-28T16:26:38","slug":"la-nouvelle-norme-et-comment-sy-adapter","status":"publish","type":"post","link":"https:\/\/www.eckler.ca\/fr\/la-nouvelle-norme-et-comment-sy-adapter\/","title":{"rendered":"La \u00ab nouvelle norme \u00bb et comment s\u2019y adapter"},"content":{"rendered":"

[vc_row][vc_column][basic_container container_size=”container container-narrow”][vc_column_text css=”.vc_custom_1568379926468{padding-top: 7px !important;padding-bottom: 7px !important;}”]<\/p>\n

La \u00ab nouvelle norme \u00bb et comment s\u2019y adapter<\/h2>\n

Outil de suivi des r\u00e9gimes de capitalisation (CAPit)<\/em> – Ao\u00fbt 2019<\/strong><\/span><\/p>\n

Au 30 juin, les nouvelles ne s\u2019\u00e9taient gu\u00e8re am\u00e9lior\u00e9es pour les Canadiens soucieux de remplacer leur revenu de travail \u00e0 l\u2019aide des prestations d\u2019un r\u00e9gime de capitalisation et du gouvernement. En effet, le taux de remplacement du revenu brut a diminu\u00e9 de nouveau, atteignant 55 % pour les femmes et 57 % pour les hommes, alors que les march\u00e9s des actions et des obligations ont obtenu des rendements \u00e0 peine positifs et que les taux des rentes ont fl\u00e9chi. Est-ce la \u00ab nouvelle norme \u00bb? Comment peut-on s\u2019y adapter?<\/p>\n

Bon nombre des syst\u00e8mes de retraite actuels et des croyances relatives \u00e0 la retraite reposent sur des facteurs qui ont chang\u00e9 consid\u00e9rablement au fil des ans. Citons notamment la tendance baissi\u00e8re des taux d\u2019int\u00e9r\u00eat, qui se maintient depuis de nombreuses ann\u00e9es, et l\u2019esp\u00e9rance de vie croissante de la population. De nos jours, une personne de 65 ans peut s\u2019attendre \u00e0 vivre en moyenne jusqu\u2019\u00e0 88 ans pour un homme et jusqu\u2019\u00e0 90 ans pour une femme. Ces changements fondamentaux signifient que les anciens \u00ab principes de base \u00bb, comme ceux recommandant d\u2019\u00e9pargner 10 % (taux utilis\u00e9 par notre Outil de suivi des r\u00e9gimes de capitalisation), ne produiront pas les m\u00eames r\u00e9sultats qu\u2019auparavant.<\/p>\n

Comment peut-on s\u2019adapter \u00e0 cette situation? La premi\u00e8re \u00e9tape consiste \u00e0 reconna\u00eetre la r\u00e9alit\u00e9. Nous devons comprendre qu\u2019il s\u2019agit de la \u00ab nouvelle norme \u00bb et que le recours \u00e0 des r\u00e8gles d\u00e9su\u00e8tes produira des r\u00e9sultats impr\u00e9vus et ind\u00e9sirables. Bien qu\u2019il soit important de reconna\u00eetre cette r\u00e9alit\u00e9 pour les promoteurs de r\u00e9gime et l\u2019industrie en g\u00e9n\u00e9ral, nous devons aussi transmettre ce message aux employ\u00e9s.<\/p>\n

De plus en plus, les employ\u00e9s sont responsables de prendre une foule de d\u00e9cisions concernant leurs \u00e9pargnes-retraite et doivent en assumer les cons\u00e9quences. Il est essentiel que nous leur expliquions combien d\u2019argent ils auront besoin \u00e0 la retraite et combien d\u2019argent ils devront \u00e9pargner pour atteindre ce but.<\/p>\n

Nous devrions d\u00e9laisser les anciens \u00ab principes de base \u00bb qui ne sont plus pertinents ou justes. Nous voyons, d\u2019apr\u00e8s les r\u00e9sultats de l\u2019Outil de suivi des r\u00e9gimes de capitalisation, que des \u00e9pargnes de 10 % ne produisent plus le m\u00eame taux de remplacement qu\u2019auparavant. Donc, de combien d\u2019argent les participants de vos r\u00e9gimes ont-ils besoin? Comme l\u2019a prouv\u00e9 Bonnie-Jeanne MacDonald \u2013 chercheuse r\u00e9sidente chez Eckler et charg\u00e9e de recherche principale en s\u00e9curit\u00e9 financi\u00e8re au National Institute on Ageing (Universit\u00e9 Ryerson) \u2013, l\u2019utilisation d\u2019une r\u00e8gle de remplacement de 70 % peut aussi s\u2019av\u00e9rer probl\u00e9matique.<\/p>\n

Ainsi, il est essentiel que vous trouviez des fa\u00e7ons de munir vos employ\u00e9s des connaissances n\u00e9cessaires pour atteindre leurs objectifs financiers, de fa\u00e7on \u00e0 r\u00e9duire leur niveau de stress pendant leurs ann\u00e9es d\u2019\u00e9pargne et \u00e0 les pr\u00e9parer \u00e0 prendre leur retraite au moment voulu. Faire fi de la \u00ab nouvelle norme \u00bb pourrait avoir des cons\u00e9quences co\u00fbteuses pour les promoteurs de r\u00e9gime.<\/p>\n

\"\"[\/vc_column_text][\/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

\u00c0 propos de l’Outil de suivi des r\u00e9gimes de capitalisation<\/span><\/strong><\/p>\n

L\u2019Outil de suivi des r\u00e9gimes de capitalisation suppose que les participants versent des cotisations annuelles \u00e9quivalentes \u00e0 un taux de 10 % du salaire \u00e0 compter de l\u2019\u00e2ge de 40 ans, qu\u2019ils recevront les prestations maximales de la S\u00e9curit\u00e9 de la vieillesse et du R\u00e9gime de pensions du Canada\/R\u00e9gime de rentes du Qu\u00e9bec et qu\u2019ils utiliseront le solde du compte d\u00e9tenu dans leur r\u00e9gime de capitalisation pour souscrire une rente \u00e0 la retraite. L\u2019actif du compte d\u00e9tenu dans un r\u00e9gime de capitalisation est investi conform\u00e9ment \u00e0 une strat\u00e9gie \u00e9quilibr\u00e9e. Le salaire est rajust\u00e9 chaque ann\u00e9e en fonction de la variation du salaire industriel moyen, qui s\u2019\u00e9levait \u00e0 66 691 $ en date du 30 juin 2019.<\/p>\n

[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/basic_container]

<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_separator color=”custom” border_width=”3″ accent_color=”#49bfb5″]\t
\n\t\t
1400:https:\/\/www.eckler.ca\/app\/uploads\/2019\/03\/f2651f63a14cdfed1bf612269da8668f0e87b5e2-1600x533.jpg\">\n\t\t\t\t\t\t\t
<\/div>\n\t\t\t\t\t\t
<\/div>\n\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\t\t\t
<\/div>\t\t\t\t\t\t\t\t\t\t\t\t\t
\n\t\t\t\t\t\t\t\t\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]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"

Le dernier indicateur de revenu du plan d\u2019accumulation de capital d\u2019Eckler montre que le revenu de remplacement brut est retomb\u00e9 \u00e0 55% pour les femmes et \u00e0 57% pour les … […]<\/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":[274],"class_list":["post-3294","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-capit-fr","tag-retirement-savings","service-consultation-sur-les-regimes-a-cotisations-determinees-et-les-regimes-de-capitalisation"],"acf":[],"yoast_head":"\nLa \u00ab nouvelle norme \u00bb et comment s\u2019y adapter - Eckler<\/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:\/\/www.eckler.ca\/fr\/la-nouvelle-norme-et-comment-sy-adapter\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"La \u00ab nouvelle norme \u00bb et comment s\u2019y adapter\" \/>\n<meta property=\"og:description\" content=\"Le dernier indicateur de revenu du plan d\u2019accumulation de capital d\u2019Eckler montre que le revenu de remplacement brut est retomb\u00e9 \u00e0 55% pour les femmes et \u00e0 57% pour les … [...]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.eckler.ca\/fr\/la-nouvelle-norme-et-comment-sy-adapter\/\" \/>\n<meta property=\"og:site_name\" content=\"Eckler\" \/>\n<meta property=\"article:published_time\" content=\"2019-09-08T18:11:19+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2020-02-28T16:26:38+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.eckler.ca\/app\/uploads\/2019\/07\/investment-graph-and-city-skyline-scene.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1440\" \/>\n\t<meta property=\"og:image:height\" content=\"960\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Nancy Lee Martin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Nancy Lee Martin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.eckler.ca\/fr\/la-nouvelle-norme-et-comment-sy-adapter\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.eckler.ca\/fr\/la-nouvelle-norme-et-comment-sy-adapter\/\"},\"author\":{\"name\":\"Nancy Lee Martin\",\"@id\":\"https:\/\/www.eckler.ca\/#\/schema\/person\/c4263423d670653f62769e3d8a19b9b0\"},\"headline\":\"La \u00ab nouvelle norme \u00bb et comment s\u2019y adapter\",\"datePublished\":\"2019-09-08T18:11:19+00:00\",\"dateModified\":\"2020-02-28T16:26:38+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.eckler.ca\/fr\/la-nouvelle-norme-et-comment-sy-adapter\/\"},\"wordCount\":813,\"image\":{\"@id\":\"https:\/\/www.eckler.ca\/fr\/la-nouvelle-norme-et-comment-sy-adapter\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.eckler.ca\/app\/uploads\/2019\/07\/investment-graph-and-city-skyline-scene.jpg\",\"keywords\":[\"Retirement savings\"],\"articleSection\":[\"CAPit\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.eckler.ca\/fr\/la-nouvelle-norme-et-comment-sy-adapter\/\",\"url\":\"https:\/\/www.eckler.ca\/fr\/la-nouvelle-norme-et-comment-sy-adapter\/\",\"name\":\"La \u00ab nouvelle norme \u00bb et comment s\u2019y adapter - Eckler\",\"isPartOf\":{\"@id\":\"https:\/\/www.eckler.ca\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.eckler.ca\/fr\/la-nouvelle-norme-et-comment-sy-adapter\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.eckler.ca\/fr\/la-nouvelle-norme-et-comment-sy-adapter\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.eckler.ca\/app\/uploads\/2019\/07\/investment-graph-and-city-skyline-scene.jpg\",\"datePublished\":\"2019-09-08T18:11:19+00:00\",\"dateModified\":\"2020-02-28T16:26:38+00:00\",\"author\":{\"@id\":\"https:\/\/www.eckler.ca\/#\/schema\/person\/c4263423d670653f62769e3d8a19b9b0\"},\"breadcrumb\":{\"@id\":\"https:\/\/www.eckler.ca\/fr\/la-nouvelle-norme-et-comment-sy-adapter\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.eckler.ca\/fr\/la-nouvelle-norme-et-comment-sy-adapter\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/www.eckler.ca\/fr\/la-nouvelle-norme-et-comment-sy-adapter\/#primaryimage\",\"url\":\"https:\/\/www.eckler.ca\/app\/uploads\/2019\/07\/investment-graph-and-city-skyline-scene.jpg\",\"contentUrl\":\"https:\/\/www.eckler.ca\/app\/uploads\/2019\/07\/investment-graph-and-city-skyline-scene.jpg\",\"width\":1440,\"height\":960,\"caption\":\"investment graph and city skyline scene\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.eckler.ca\/fr\/la-nouvelle-norme-et-comment-sy-adapter\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\/\/www.eckler.ca\/fr\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Blogue\",\"item\":\"https:\/\/www.eckler.ca\/fr\/la-nouvelle-norme-et-comment-sy-adapter\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"La \u00ab nouvelle norme \u00bb et comment s\u2019y adapter\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.eckler.ca\/#website\",\"url\":\"https:\/\/www.eckler.ca\/\",\"name\":\"Eckler\",\"description\":\"People-Powered Insights\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.eckler.ca\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.eckler.ca\/#\/schema\/person\/c4263423d670653f62769e3d8a19b9b0\",\"name\":\"Nancy Lee Martin\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/www.eckler.ca\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/69c3738de0ffcd52e3e7c97bee31d8bb5df74bf0a3dafa202c297e891122f64a?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/69c3738de0ffcd52e3e7c97bee31d8bb5df74bf0a3dafa202c297e891122f64a?s=96&d=mm&r=g\",\"caption\":\"Nancy Lee Martin\"},\"url\":\"https:\/\/www.eckler.ca\/fr\/author\/nlmartin\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"La \u00ab nouvelle norme \u00bb et comment s\u2019y adapter - Eckler","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.eckler.ca\/fr\/la-nouvelle-norme-et-comment-sy-adapter\/","og_locale":"fr_FR","og_type":"article","og_title":"La \u00ab nouvelle norme \u00bb et comment s\u2019y adapter","og_description":"Le dernier indicateur de revenu du plan d\u2019accumulation de capital d\u2019Eckler montre que le revenu de remplacement brut est retomb\u00e9 \u00e0 55% pour les femmes et \u00e0 57% pour les … [...]","og_url":"https:\/\/www.eckler.ca\/fr\/la-nouvelle-norme-et-comment-sy-adapter\/","og_site_name":"Eckler","article_published_time":"2019-09-08T18:11:19+00:00","article_modified_time":"2020-02-28T16:26:38+00:00","og_image":[{"width":1440,"height":960,"url":"https:\/\/www.eckler.ca\/app\/uploads\/2019\/07\/investment-graph-and-city-skyline-scene.jpg","type":"image\/jpeg"}],"author":"Nancy Lee Martin","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Nancy Lee Martin","Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.eckler.ca\/fr\/la-nouvelle-norme-et-comment-sy-adapter\/#article","isPartOf":{"@id":"https:\/\/www.eckler.ca\/fr\/la-nouvelle-norme-et-comment-sy-adapter\/"},"author":{"name":"Nancy Lee Martin","@id":"https:\/\/www.eckler.ca\/#\/schema\/person\/c4263423d670653f62769e3d8a19b9b0"},"headline":"La \u00ab nouvelle norme \u00bb et comment s\u2019y adapter","datePublished":"2019-09-08T18:11:19+00:00","dateModified":"2020-02-28T16:26:38+00:00","mainEntityOfPage":{"@id":"https:\/\/www.eckler.ca\/fr\/la-nouvelle-norme-et-comment-sy-adapter\/"},"wordCount":813,"image":{"@id":"https:\/\/www.eckler.ca\/fr\/la-nouvelle-norme-et-comment-sy-adapter\/#primaryimage"},"thumbnailUrl":"https:\/\/www.eckler.ca\/app\/uploads\/2019\/07\/investment-graph-and-city-skyline-scene.jpg","keywords":["Retirement savings"],"articleSection":["CAPit"],"inLanguage":"fr-FR"},{"@type":"WebPage","@id":"https:\/\/www.eckler.ca\/fr\/la-nouvelle-norme-et-comment-sy-adapter\/","url":"https:\/\/www.eckler.ca\/fr\/la-nouvelle-norme-et-comment-sy-adapter\/","name":"La \u00ab nouvelle norme \u00bb et comment s\u2019y adapter - Eckler","isPartOf":{"@id":"https:\/\/www.eckler.ca\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.eckler.ca\/fr\/la-nouvelle-norme-et-comment-sy-adapter\/#primaryimage"},"image":{"@id":"https:\/\/www.eckler.ca\/fr\/la-nouvelle-norme-et-comment-sy-adapter\/#primaryimage"},"thumbnailUrl":"https:\/\/www.eckler.ca\/app\/uploads\/2019\/07\/investment-graph-and-city-skyline-scene.jpg","datePublished":"2019-09-08T18:11:19+00:00","dateModified":"2020-02-28T16:26:38+00:00","author":{"@id":"https:\/\/www.eckler.ca\/#\/schema\/person\/c4263423d670653f62769e3d8a19b9b0"},"breadcrumb":{"@id":"https:\/\/www.eckler.ca\/fr\/la-nouvelle-norme-et-comment-sy-adapter\/#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.eckler.ca\/fr\/la-nouvelle-norme-et-comment-sy-adapter\/"]}]},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.eckler.ca\/fr\/la-nouvelle-norme-et-comment-sy-adapter\/#primaryimage","url":"https:\/\/www.eckler.ca\/app\/uploads\/2019\/07\/investment-graph-and-city-skyline-scene.jpg","contentUrl":"https:\/\/www.eckler.ca\/app\/uploads\/2019\/07\/investment-graph-and-city-skyline-scene.jpg","width":1440,"height":960,"caption":"investment graph and city skyline scene"},{"@type":"BreadcrumbList","@id":"https:\/\/www.eckler.ca\/fr\/la-nouvelle-norme-et-comment-sy-adapter\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/www.eckler.ca\/fr\/"},{"@type":"ListItem","position":2,"name":"Blogue","item":"https:\/\/www.eckler.ca\/fr\/la-nouvelle-norme-et-comment-sy-adapter\/"},{"@type":"ListItem","position":3,"name":"La \u00ab nouvelle norme \u00bb et comment s\u2019y adapter"}]},{"@type":"WebSite","@id":"https:\/\/www.eckler.ca\/#website","url":"https:\/\/www.eckler.ca\/","name":"Eckler","description":"People-Powered Insights","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.eckler.ca\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"},{"@type":"Person","@id":"https:\/\/www.eckler.ca\/#\/schema\/person\/c4263423d670653f62769e3d8a19b9b0","name":"Nancy Lee Martin","image":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.eckler.ca\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/69c3738de0ffcd52e3e7c97bee31d8bb5df74bf0a3dafa202c297e891122f64a?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/69c3738de0ffcd52e3e7c97bee31d8bb5df74bf0a3dafa202c297e891122f64a?s=96&d=mm&r=g","caption":"Nancy Lee Martin"},"url":"https:\/\/www.eckler.ca\/fr\/author\/nlmartin\/"}]}},"_links":{"self":[{"href":"https:\/\/www.eckler.ca\/fr\/wp-json\/wp\/v2\/posts\/3294","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.eckler.ca\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.eckler.ca\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.eckler.ca\/fr\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.eckler.ca\/fr\/wp-json\/wp\/v2\/comments?post=3294"}],"version-history":[{"count":15,"href":"https:\/\/www.eckler.ca\/fr\/wp-json\/wp\/v2\/posts\/3294\/revisions"}],"predecessor-version":[{"id":5216,"href":"https:\/\/www.eckler.ca\/fr\/wp-json\/wp\/v2\/posts\/3294\/revisions\/5216"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.eckler.ca\/fr\/wp-json\/wp\/v2\/media\/2703"}],"wp:attachment":[{"href":"https:\/\/www.eckler.ca\/fr\/wp-json\/wp\/v2\/media?parent=3294"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.eckler.ca\/fr\/wp-json\/wp\/v2\/categories?post=3294"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.eckler.ca\/fr\/wp-json\/wp\/v2\/tags?post=3294"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}