{"id":7020,"date":"2019-06-18T15:55:58","date_gmt":"2019-06-18T19:55:58","guid":{"rendered":"https:\/\/immigrantquebec.com\/?p=7020"},"modified":"2026-06-15T11:16:41","modified_gmt":"2026-06-15T15:16:41","slug":"preparer-retraite-quebec","status":"publish","type":"post","link":"https:\/\/immigrantquebec.com\/fr\/conseils-d-experts\/preparer-retraite-quebec\/","title":{"rendered":"N’attendez pas pour pr\u00e9parer votre retraite au Qu\u00e9bec"},"content":{"rendered":"

Alors qu\u2019on arrive au Qu\u00e9bec et que l\u2019on s\u2019appr\u00eate \u00e0 d\u00e9marrer une nouvelle vie, la question de la retraite est souvent rel\u00e9gu\u00e9e au second plan, report\u00e9e au jour o\u00f9 l\u2019on sera \u00ab\u2009install\u00e9\u2009\u00bb. Pourtant, son importance est r\u00e9elle, car le nouvel arrivant s\u2019int\u00e8gre aussi dans un nouveau r\u00e9gime, possiblement en cours de vie active. Anticiper sa retraite au plus t\u00f4t est ainsi le meilleur moyen de mettre les chances de son c\u00f4t\u00e9 pour en profiter et affronter les impr\u00e9vus.<\/em><\/p>\n

Le fonctionnement des r\u00e9gimes de retraite au Qu\u00e9bec<\/strong><\/h2>\n

Il y a deux types de revenus \u00ab\u2009officiels\u2009\u00bb pour les personnes qui arrivent \u00e0 l\u2019\u00e2ge o\u00f9 ils s\u2019arr\u00eatent de travailler : les r\u00e9gimes publics, pay\u00e9s par le gouvernement, et les r\u00e9gimes priv\u00e9s, qui sont aliment\u00e9s par les b\u00e9n\u00e9ficiaires et en (tr\u00e8s petite) partie par certains employeurs, un r\u00e9gime connu sous le nom de r\u00e9gime d\u2019\u00e9pargne-retraite collective.<\/p>\n

Les r\u00e9gimes publics de retraite<\/strong><\/h2>\n

Les r\u00e9gimes de retraite du secteur public (RRSP) s\u2019adressent aux personnes qui ont \u00e9t\u00e9 employ\u00e9es dans la fonction publique qu\u00e9b\u00e9coise ou dans un secteur parapublic. Les RRQ (R\u00e9gimes de rentes du Qu\u00e9bec) quant \u00e0 eux, offrent un revenu de base \u00e9quivalent \u00e0 environ 25 % du salaire moyen mensuel, si vous y avez suffisamment cotis\u00e9. \u00c0 cela va s\u2019ajouter \u00e0 partir de 65 ans r\u00e9volus, une pension de la \u00ab\u2009S\u00e9curit\u00e9 de la vieillesse\u2009\u00bb du gouvernement f\u00e9d\u00e9ral, \u00e0 condition de ne pas d\u00e9passer un seuil de revenus et d\u2019avoir v\u00e9cu au Canada au moins dix ans apr\u00e8s l\u2019\u00e2ge de 18 ans. Enfin, si vous avez travaill\u00e9 \u00e0 l\u2019ext\u00e9rieur du Canada, il est possible de toucher la pension de retraite \u00e0 laquelle vous auriez droit si vous \u00e9tiez rest\u00e9 sur place.<\/p>\n

Le r\u00e9gime priv\u00e9 de retraite<\/strong><\/h2>\n

Les r\u00e9gimes publics ne suffisent pas \u00e0 combler les besoins \u00e0 la retraite. Aussi certains employeurs les compl\u00e8tent en proposant des plans de retraite qui peuvent prendre diff\u00e9rentes formes d\u2019\u00e9pargne et de participation. Cela peut \u00eatre un REER collectif dans lequel les cotisations de l\u2019employeur s\u2019ajoutent alors aux v\u00f4tres et l\u2019\u00e9pargne est automatiquement retenue sur votre paie. Lors de votre embauche, demandez \u00e0 votre futur employeur s\u2019il propose un plan de retraite dans l\u2019entreprise, ainsi que sa forme.<\/p>\n

Gardez le contr\u00f4le sur votre retraite !<\/strong><\/h2>\n

Il faut alors \u00e9pargner de votre c\u00f4t\u00e9 avec des produits tels que le REER et le CELI, fiscalement prot\u00e9g\u00e9s ou non. Pour cela, rien de plus simple, prenez rendez-vous avec un planificateur financier ou un conseiller en placement afin d\u2019identifier vos objectifs de placement et choisir le meilleur r\u00e9gime de retraite. En \u00e9tant bien orient\u00e9 par des professionnels, et ce quels que soient votre niveau de revenus et votre tol\u00e9rance au risque, vous pouvez pr\u00e9parer votre retraite. Plus t\u00f4t vous commencerez, mieux ce sera. Alors, n\u2019attendez pas, appelez votre conseiller, il sera un pr\u00e9cieux alli\u00e9 pour vous aider \u00e0 choisir le ou les meilleurs r\u00e9gimes selon votre situation.<\/p>\n

Les prestations d’un r\u00e9gime \u00e9tranger auquel vous avez cotis\u00e9<\/strong><\/h2>\n

36 pays ont sign\u00e9 une entente de s\u00e9curit\u00e9 sociale (qui g\u00e8re aussi les r\u00e9gimes de retraite) avec le Qu\u00e9bec, de la France \u00e0 l\u2019Uruguay en passant par le Maroc. Cela signifie que vous pouvez demander une pension au prorata du temps travaill\u00e9 dans l\u2019un de ces pays ou obtenir un certificat d\u2019assujettissement. V\u00e9rifiez votre admissibilit\u00e9 et les conditions applicables aupr\u00e8s des autorit\u00e9s comp\u00e9tentes.<\/p>\n

Pour conclure\u2026<\/em><\/p>\n

Planifiez votre retraite<\/strong><\/h2>\n

Pensez-y tant que vous \u00eates en activit\u00e9 ! C\u2019est le moment id\u00e9al pour r\u00e9fl\u00e9chir \u00e0 la fa\u00e7on de mettre de l\u2019argent de c\u00f4t\u00e9 pour financer les revenus de la retraite. Que vous soyez aventurier ou s\u00e9dentaire, \u00e0 la t\u00eate d\u2019une famille nombreuse ou que vous projetiez de voyager autour du monde, il y a autant de profils que de types de retraite. Pour faire le point, demandez-vous l\u2019\u00e2ge auquel vous aimeriez arr\u00eater de travailler, quelles sont vos priorit\u00e9s, de quel budget annuel aurez-vous besoin, en int\u00e9grant une donn\u00e9e fondamentale : vos besoins \u00e0 la retraite ne sont pas les m\u00eames que pendant votre vie \u00ab\u2009active\u2009\u00bb, et d\u2019autres postes budg\u00e9taires feront t\u00f4t ou tard leur apparition.<\/p>\n

***<\/p>\n

Prenez contact avec les conseillers Desjardins qui communiqueront avec vous \u00e0 propos de toutes les possibilit\u00e9s de placements pour bien pr\u00e9parer votre retraite. Vous pouvez \u00e9galement vous informer directement sur\u00a0<\/em>le site Desjardins<\/em><\/a>.<\/em><\/p>\n

 <\/p>\n

Credit photo :\u00a0<\/em>Pressphoto<\/em><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Alors qu\u2019on arrive au Qu\u00e9bec et que l\u2019on s\u2019appr\u00eate \u00e0 d\u00e9marrer une nouvelle vie, la question de la retraite est souvent rel\u00e9gu\u00e9e au second plan, report\u00e9e au jour o\u00f9 l\u2019on sera \u00ab\u2009install\u00e9\u2009\u00bb. Pourtant, son importance est r\u00e9elle, car le nouvel arrivant s\u2019int\u00e8gre aussi dans un nouveau r\u00e9gime, possiblement en cours de vie active. Anticiper sa […]<\/p>\n","protected":false},"author":3459,"featured_media":7021,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[103],"tags":[],"class_list":{"0":"post-7020","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-conseils-d-experts","8":"entry"},"acf":[],"yoast_head":"\nN'attendez pas pour pr\u00e9parer votre retraite au Qu\u00e9bec - Immigrant Qu\u00e9bec<\/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:\/\/immigrantquebec.com\/fr\/conseils-d-experts\/preparer-retraite-quebec\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"N'attendez pas pour pr\u00e9parer votre retraite au Qu\u00e9bec - Immigrant Qu\u00e9bec\" \/>\n<meta property=\"og:description\" content=\"Alors qu\u2019on arrive au Qu\u00e9bec et que l\u2019on s\u2019appr\u00eate \u00e0 d\u00e9marrer une nouvelle vie, la question de la retraite est souvent rel\u00e9gu\u00e9e au second plan, report\u00e9e au jour o\u00f9 l\u2019on sera \u00ab\u2009install\u00e9\u2009\u00bb. 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