{"id":7932,"date":"2021-01-31T13:21:28","date_gmt":"2021-01-31T18:21:28","guid":{"rendered":"https:\/\/www.eckler.ca\/reflexion-sur-2020-et-perspectives-pour-2021\/"},"modified":"2023-04-21T11:01:31","modified_gmt":"2023-04-21T15:01:31","slug":"reflexion-sur-2020-et-perspectives-pour-2021","status":"publish","type":"post","link":"https:\/\/www.eckler.ca\/fr\/reflexion-sur-2020-et-perspectives-pour-2021\/","title":{"rendered":"R\u00e9flexion sur 2020 et perspectives pour 2021"},"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)<\/em><\/strong><\/span><span style=\"color: #00425b;\"><strong> &#8211; Janvier 2021<\/strong><\/span><\/p>\n<p>Au cours du dernier trimestre de 2020, les Canadiens ont continu\u00e9 \u00e0 subir les perturbations caus\u00e9es par la pand\u00e9mie de COVID-19. Les participants au r\u00e9gime \u00e0 cotisation d\u00e9termin\u00e9e (CD) qui ont subi le moins de perturbations dans leur revenu ont continu\u00e9 \u00e0 \u00e9pargner pour leur retraite en 2020, ont r\u00e9cup\u00e9r\u00e9 la plus grande partie de ce qui avait \u00e9t\u00e9 perdu plus t\u00f4t dans l\u2019ann\u00e9e et ont maintenu le rythme en ce qui a trait au CAPit. Le ratio de remplacement du revenu brut d\u2019un participant typique au r\u00e9gime CD prenant sa retraite \u00e0 65\u00a0ans \u00e0 la fin de 2020 \u00e9tait de 56,8\u00a0%. Pour une femme participant au r\u00e9gime CD, le ratio \u00e9tait de 55,4\u00a0%. Toutefois, par rapport \u00e0 l\u2019ann\u00e9e ant\u00e9rieure, ces taux de remplacement sont encore en baisse de 1\u00a0%.<\/p>\n<p>Malgr\u00e9 les perturbations subies par tous les Canadiens sur le plan personnel, l\u2019incidence financi\u00e8re de la pand\u00e9mie n\u2019a pas \u00e9t\u00e9 la m\u00eame pour tout le monde. Les participants ayant des emplois qui n\u00e9cessitent une interaction en personne et ceux qui sont employ\u00e9s dans les secteurs les plus durement touch\u00e9s par les mesures de confinement ont \u00e9t\u00e9 plus vuln\u00e9rables financi\u00e8rement que ceux qui ont pu travailler \u00e0 distance. La r\u00e9silience des march\u00e9s en 2020 a g\u00e9n\u00e9ralement \u00e9pargn\u00e9 les revenus de retraite des participants au r\u00e9gime CD. Cependant, le ratio de remplacement du revenu d\u2019un participant typique prenant sa retraite \u00e0 la fin de 2020 et qui aurait cess\u00e9 de verser des cotisations au r\u00e9gime depuis mars aurait \u00e9t\u00e9 r\u00e9duit de 0,5\u00a0% \u00e0 vie.<\/p>\n<p>Les promoteurs de r\u00e9gime devraient rester attentifs \u00e0 ces effets divergents de la COVID-19 sur les participants lorsqu\u2019ils \u00e9laborent une strat\u00e9gie de communication et de formation pour 2021. Malgr\u00e9 le fait que tous les participants tireront avantage d\u2019\u00eatre bien renseign\u00e9s sur les questions d\u2019ordre fiscal relativement \u00e0 la COVID-19, les participants qui ont \u00e9t\u00e9 les plus touch\u00e9s financi\u00e8rement pourraient avoir besoin d\u2019aide pour \u00e9tablir des strat\u00e9gies afin de rembourser leurs dettes, alors que d\u2019autres pourraient chercher \u00e0 obtenir des conseils sur la fa\u00e7on d\u2019investir leurs \u00e9conomies suppl\u00e9mentaires.<\/p>\n<p>Les r\u00e9cents d\u00e9veloppements en mati\u00e8re de vaccins ont \u00e9t\u00e9 prometteurs et les march\u00e9s ont bien r\u00e9agi aux r\u00e9sultats de l\u2019\u00e9lection pr\u00e9sidentielle am\u00e9ricaine, mais il est difficile de pr\u00e9voir la courbe de la pand\u00e9mie de COVID-19 et ses r\u00e9percussions sur l\u2019avenir des march\u00e9s. Fournir aux participants les renseignements et les ressources dont ils ont besoin pour g\u00e9rer leurs finances les prot\u00e8ge contre les effets potentiels de la pand\u00e9mie en 2021 et les aide \u00e0 acqu\u00e9rir la confiance et les habitudes dont ils ont besoin pour faire face \u00e0 de futures perturbations financi\u00e8res tout au long de leur vie.<\/p>\n<p><a href=\"https:\/\/www.eckler.ca\/app\/uploads\/2020\/02\/Graph_CAPit_FR_14Jan21.svg\"><img decoding=\"async\" class=\"alignleft size-resizewidthsm wp-image-7936\" src=\"https:\/\/www.eckler.ca\/app\/uploads\/2020\/02\/Graph_CAPit_FR_14Jan21.svg\" alt=\"Outil de suivi du revenu des r\u00e9gimes de capitalisation\" \/><\/a><\/p>\n<p>&nbsp;[\/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 du r\u00e9gime 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,\u00a0prendra sa retraite \u00e0 65 ans,\u00a0qu\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 67 738 $ au 30 d\u00e9cembre 2020.[\/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;][\/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 <span style=\"color: #000000;\"><em>Outil de suivi des r\u00e9gimes de capitalisation (CAPit)<\/em><\/span>\u00a0a \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 <em>CAPit<\/em>.\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) &#8211; Janvier 2021<\/p>\n<p>Au cours du dernier trimestre de 2020, les Canadiens ont continu\u00e9 \u00e0 subir les perturbations caus\u00e9es par &hellip; [&#8230;]<\/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-7932","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":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.8 (Yoast SEO v26.8) - 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