{"id":10968,"date":"2020-10-28T15:51:49","date_gmt":"2020-10-28T19:51:49","guid":{"rendered":"https:\/\/www.caissealliance.com\/?p=10968"},"modified":"2024-09-16T09:10:34","modified_gmt":"2024-09-16T13:10:34","slug":"planifier-votre-retraite-adequatement","status":"publish","type":"post","link":"https:\/\/www.caissealliance.com\/fr\/particulier\/planifier-votre-retraite-adequatement\/","title":{"rendered":"Planifier votre retraite ad\u00e9quatement!"},"content":{"rendered":"

Avez-vous un fonds de pension? Savez-vous quelles sortes de pensions vous d\u00e9tenez? Est-ce que votre fonds de pension suffira pour votre retraite?<\/strong><\/h3>\n

On entend souvent parler des r\u00e9gimes de pension \u00e0 cotisation d\u00e9termin\u00e9e et \u00e0 prestation d\u00e9termin\u00e9e, m\u00eame du r\u00e9gime enregistr\u00e9 d\u2019\u00e9pargne retraite (REER) collectif. Connaissez-vous la diff\u00e9rence entre chacun de ces r\u00e9gimes?<\/p>\n

Surtout, savez-vous si votre fonds de pension couvrira tous vos besoins financiers \u00e0 la retraite?<\/p>\n

Le r\u00e9gime de pension \u00e0 cotisation d\u00e9termin\u00e9e<\/strong> est de plus en plus utilis\u00e9. Pour l\u2019expliquer en gros, les cotisations vers\u00e9es par l\u2019employ\u00e9 et l\u2019employeur sont connues d\u00e8s le d\u00e9part. En fait, un pourcentage est \u00e9tabli. La somme qui s\u2019accumule au fil du temps dans le r\u00e9gime est investie sur les march\u00e9s financiers et g\u00e9n\u00e8re un revenu de placement. La somme accumul\u00e9e dans le r\u00e9gime est connue.<\/p>\n

Avec le r\u00e9gime de pension \u00e0 prestation d\u00e9termin\u00e9e,<\/strong> une formule d\u00e9termine la rente payable \u00e0 la retraite. Cette formule tient compte du salaire et des ann\u00e9es de service de l\u2019employ\u00e9. Contrairement aux autres r\u00e9gimes, la prestation \u00e0 la retraite est connue et est garantie jusqu\u2019\u00e0 la fin de vos jours. Les cotisations faites par l\u2019employeur et l\u2019employ\u00e9 peuvent varier au fil du temps, ce qui permet de garantir la prestation \u00e0 la retraite. Ce type de pension peut \u00e9galement offrir une couverture de l\u2019inflation.<\/p>\n

Le REER collectif, <\/strong>aussi connu comme REER de groupe, est un autre moyen d\u2019\u00e9conomiser en vue de la retraite. C\u2019est l\u2019employeur qui d\u00e9cide d\u2019ouvrir un REER collectif pour ses employ\u00e9s en choisissant, par exemple, la Caisse Alliance. Chaque employ\u00e9 qui fait partie du REER collectif d\u00e9tient son propre compte et choisit ses investissements. Habituellement, l\u2019employeur et l\u2019employ\u00e9 s\u2019entendent sur le pourcentage \u00e0 cotiser.<\/p>\n

Les caract\u00e9ristiques des diff\u00e9rents fonds de pension pr\u00e9sent\u00e9es ici sont loin d\u2019\u00eatre exhaustives. Peu importe votre \u00e2ge, il est important de bien comprendre votre fonds de pension et de vous demander si les montants accumul\u00e9s suffisent pour votre retraite.<\/p>\n

Si votre employeur n\u2019offre pas de fonds de pension, la Caisse Alliance peut vous aider \u00e0 b\u00e2tir des \u00e9conomies.<\/p>\n

Il n\u2019y a pas d\u2019\u00e2ge pour se questionner sur le sujet ni pour commencer \u00e0 \u00e9pargner. La Caisse Alliance est ici pour vous aider. N\u2019attendez pas \u00e0 la retraite pour vous informer sur votre fonds de pension ou pour venir nous voir!<\/p>\n

 <\/p>\n

Marie-Pier Robert, B. Com., QAFPTM<\/sup><\/strong>
\nConseill\u00e8re en gestion des avoirs
\nCentre de services de Kapuskasing
\nPatrimoine Aviso
\nmarie-pier.robert@caisse.coop<\/p>\n

Humains. Disponibles. Branch\u00e9s.<\/h3>\n
\n

Les fonds communs de placement et autres titres sont offerts par l\u2019interm\u00e9diaire de Gestion de patrimoine Aviso, une division de Financi\u00e8re Patrimoine Aviso inc.<\/p>\n","protected":false},"excerpt":{"rendered":"

On entend souvent parler des r\u00e9gimes de pension \u00e0 cotisation d\u00e9termin\u00e9e et \u00e0 prestation d\u00e9termin\u00e9e, m\u00eame du r\u00e9gime enregistr\u00e9 d\u2019\u00e9pargne retraite (REER) collectif. Connaissez-vous la diff\u00e9rence entre chacun de ces r\u00e9gimes? Surtout, savez-vous si votre fonds de pension couvrira tous vos besoins financiers \u00e0 la retraite? Le r\u00e9gime de pension \u00e0 cotisation d\u00e9termin\u00e9e est de […]<\/p>\n","protected":false},"author":7,"featured_media":10988,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[31,57,51,52],"tags":[],"class_list":["post-10968","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-particulier","category-budget-et-finances-personnelles","category-placements","category-retraite-et-succession"],"acf":[],"yoast_head":"\nPlanifier votre retraite ad\u00e9quatement! | Caisse Alliance<\/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.caissealliance.com\/fr\/particulier\/planifier-votre-retraite-adequatement\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Planifier votre retraite ad\u00e9quatement! | Caisse Alliance\" \/>\n<meta property=\"og:description\" content=\"On entend souvent parler des r\u00e9gimes de pension \u00e0 cotisation d\u00e9termin\u00e9e et \u00e0 prestation d\u00e9termin\u00e9e, m\u00eame du r\u00e9gime enregistr\u00e9 d\u2019\u00e9pargne retraite (REER) collectif. 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