{"id":7279,"date":"2020-10-30T16:26:48","date_gmt":"2020-10-30T20:26:48","guid":{"rendered":"https:\/\/www.eckler.ca\/le-rebond-des-taux-de-remplacement-du-revenu-du-regime-de-capitalisation-insuffisant-pour-offrir-une-retraite-confortable-a-la-plupart-des-participants\/"},"modified":"2020-10-30T16:48:32","modified_gmt":"2020-10-30T20:48:32","slug":"le-rebond-des-taux-de-remplacement-du-revenu-du-regime-de-capitalisation-insuffisant-pour-offrir-une-retraite-confortable-a-la-plupart-des-participants","status":"publish","type":"post","link":"https:\/\/www.eckler.ca\/fr\/le-rebond-des-taux-de-remplacement-du-revenu-du-regime-de-capitalisation-insuffisant-pour-offrir-une-retraite-confortable-a-la-plupart-des-participants\/","title":{"rendered":"Le rebond des taux de remplacement du revenu du r\u00e9gime de capitalisation insuffisant pour offrir une retraite confortable \u00e0 la plupart des participants"},"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><\/strong><\/span> – Octobre 2020<\/strong><\/span><\/p>\n

Alors que nous en sommes au dernier trimestre de l\u2019ann\u00e9e\u00a02020 et que la recrudescence des cas de COVID-19 et les nouvelles mesures de confinement continueront de peser sur les \u00e9conomies, l\u2019incertitude restera probablement le th\u00e8me principal d\u2019ici la fin de l\u2019ann\u00e9e. La r\u00e9silience des march\u00e9s des actions, apr\u00e8s un recul marqu\u00e9 au printemps, a contribu\u00e9 \u00e0 faire progresser les revenus de retraite vers les niveaux d\u2019avant la pand\u00e9mie. Un participant type d\u2019un r\u00e9gime\u00a0CD prenant sa retraite \u00e0 l\u2019\u00e2ge de 65\u00a0ans \u00e0 la fin de septembre a vu son ratio de remplacement du revenu brut revenir \u00e0 56\u00a0% apr\u00e8s un creux historique de 53,1\u00a0% en mars. Dans le cas d\u2019une participante d\u2019un r\u00e9gime\u00a0CD, le ratio a augment\u00e9 pour atteindre 54,5\u00a0%, comparativement au creux historique de 51,6\u00a0% \u00e0 la fin du mois de mars.<\/p>\n

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La tendance du ratio de remplacement du revenu brut pour un participant type au r\u00e9gime de capitalisation est \u00e0 la baisse depuis que nous avons commenc\u00e9 \u00e0 le suivre en 2006. Cependant, cette tendance a peut-\u00eatre \u00e9galement eu une incidence plus importante sur la capacit\u00e9 des participants au r\u00e9gime de capitalisation \u00e0 maintenir leur niveau de vie \u00e0 la retraite.<\/p>\n

Les recherches de Bonnie-Jeanne MacDonald, Ph.\u00a0D. ont r\u00e9v\u00e9l\u00e9 que le ratio de remplacement du revenu n\u00e9cessaire pour permettre aux Canadiens de maintenir leur niveau de vie \u00e0 la retraite varie consid\u00e9rablement, de 10\u00a0% \u00e0 200\u00a0% du revenu brut pr\u00e9retraite. Un ratio de remplacement du revenu d\u2019environ 85\u00a0% qu\u2019un participant type au r\u00e9gime aurait pu atteindre en 2006 aurait \u00e9t\u00e9 suffisant pour permettre \u00e0 la plupart des retrait\u00e9s de maintenir leur niveau de vie \u00e0 la retraite. Aujourd\u2019hui, un ratio de remplacement du revenu d\u2019environ 55\u00a0% ne suffira qu\u2019\u00e0 environ 40\u00a0% des participants types.<\/p>\n

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Les travaux de Mme<\/sup>\u00a0MacDonald ont d\u00e9montr\u00e9 que la r\u00e8gle empirique universelle voulant que le remplacement de 70\u00a0% du revenu pr\u00e9retraite m\u00e8nera \u00e0 une retraite confortable \u00e9tait erron\u00e9e. Les promoteurs de r\u00e9gimes devraient plut\u00f4t aider les participants \u00e0 maintenir leur niveau de vie \u00e0 la retraite en utilisant le taux de remplacement vis\u00e9 pour la retraite<\/a> (LSRRMC<\/sup>). \u00c9tant donn\u00e9 le climat d\u2019incertitude qui r\u00e8gne actuellement, et possiblement pour les ann\u00e9es \u00e0 venir, le fait de fournir aux participants un objectif d\u2019\u00e9pargne fond\u00e9 sur le maintien de leur niveau de vie permettra de rassurer les employ\u00e9s quant \u00e0 leur parcours financier actuel vers la retraite ou les incitera \u00e0 revoir leurs plans de retraite.[\/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\u2019outil de suivi du revenu 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\u00a0% \u00e0 compter de l\u2019\u00e2ge de 40\u00a0ans, 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 67\u00a0738\u00a0$ au 30\u00a0septembre\u00a02020.<\/p>\n

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[vc_row][vc_column][basic_container container_size=”container container-narrow”][vc_column_text]Outil de suivi des r\u00e9gimes de capitalisation (CAPit) – Octobre 2020<\/p>\n

Alors que nous en sommes au dernier trimestre de l\u2019ann\u00e9e\u00a02020 et que la recrudescence des cas de … […]<\/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-7279","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":"\nLe rebond des taux de remplacement du revenu du r\u00e9gime de capitalisation insuffisant pour offrir une retraite confortable \u00e0 la plupart des participants - Eckler<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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