{"id":7375,"date":"2018-02-06T14:20:43","date_gmt":"2018-02-06T18:20:43","guid":{"rendered":"https:\/\/immigrantquebec.com\/?p=7375"},"modified":"2026-06-15T13:45:52","modified_gmt":"2026-06-15T17:45:52","slug":"bien-preparer-sa-retraite","status":"publish","type":"post","link":"https:\/\/immigrantquebec.com\/fr\/conseils-d-experts\/bien-preparer-sa-retraite\/","title":{"rendered":"Bien pr\u00e9parer sa retraite"},"content":{"rendered":"<p><em>Les d\u00e9fis pos\u00e9s aux nouveaux arrivants sont nombreux et, entre le logement, le travail, et la scolarit\u00e9 des enfants, la question de la retraite passe souvent inaper\u00e7ue. Pourtant, elle est d\u2019autant plus importante que l\u2019on doive s\u2019int\u00e9grer dans un nouveau r\u00e9gime en cours de vie active. Anticiper sa retraite au plus t\u00f4t, c\u2019est mettre toutes les chances de son c\u00f4t\u00e9 pour en profiter et en affronter tous les impr\u00e9vus.<\/em><\/p>\n<h2><strong>Les objectifs \u00a0<\/strong><\/h2>\n<p>Anticipez votre retraite tant que vous \u00eates en activit\u00e9 ! Que vous soyez aventurier ou s\u00e9dentaire, \u00e0 la t\u00eate d\u2019une famille nombreuse ou sur le point de tout quitter pour voyager autour du monde, il y a autant de profils que de types de retraite. Vous-m\u00eame changerez peut-\u00eatre d\u2019avis en cours de route. En attendant, prenez une feuille et fixez vos objectifs : vers quel \u00e2ge aimeriez-vous id\u00e9alement arr\u00eater de travailler, quelles sont vos priorit\u00e9s, de quel budget annuel aurez-vous besoin ?<\/p>\n<h2><strong>La retraite au Qu\u00e9bec<\/strong><\/h2>\n<p>Il y a deux types de revenus \u00ab officiels \u00bb pour les personnes qui arrivent 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. Dans la plupart des cas, il est fortement conseill\u00e9 de mettre en place, avec l\u2019aide de son conseiller bancaire, des plans d\u2019\u00e9pargne personnelle.<\/p>\n<h2><strong>Les r\u00e9gimes publics\u00a0<\/strong><\/h2>\n<p>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 S\u00e9curit\u00e9 de la vieillesse \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 en dehors 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<h2><strong>Les conventions avec votre pays d\u2019origine<\/strong><\/h2>\n<p>36 pays ont sign\u00e9 une entente de s\u00e9curit\u00e9 sociale 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 cela avec les autorit\u00e9s comp\u00e9tentes.<\/p>\n<h2><strong>Le r\u00e9gime priv\u00e9<\/strong><\/h2>\n<p>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 la compagnie qui vous emploie ajoute un pourcentage des cotisations que vous avez vers\u00e9es. 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<h2><strong>L\u2019\u00e9pargne personnelle\u00a0<\/strong><\/h2>\n<p>Il vous faut alors \u00e9pargner de votre c\u00f4t\u00e9 avec des produits fiscalement ou non prot\u00e9g\u00e9s, tels que le REER et le CELI. Pour cela rien de plus simple, prenez rendez-vous avec un planificateur financier ou un conseiller en placement. Il vous aidera \u00e0 dresser un portrait de vos objectifs pour la retraite. En \u00e9tant bien orient\u00e9 par des professionnels, 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 !<\/p>\n<p><em>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><a href=\"https:\/\/www.desjardins.com\/qc\/fr\/epargne-placements\/regimes-epargne\/celi.html?gclid=Cj0KCQiAgZTRBRDmARIsAJvVWAusYWQm4iVLQXrCw2-RV44QzUEletSlDvM9-vwnYM0jjBmMrvBNHDEaAhzPEALw_wcB&#038;utm_id=lf-p-0-34569\" target=\"_blank\" rel=\"noopener noreferrer\"><em>le site<\/em><\/a><em>\u00a0Desjardins<\/em><em>.\u00a0<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Les d\u00e9fis pos\u00e9s aux nouveaux arrivants sont nombreux et, entre le logement, le travail, et la scolarit\u00e9 des enfants, la question de la retraite passe souvent inaper\u00e7ue. Pourtant, elle est d\u2019autant plus importante que l\u2019on doive s\u2019int\u00e9grer dans un nouveau r\u00e9gime en cours de vie active. Anticiper sa retraite au plus t\u00f4t, c\u2019est mettre toutes [&hellip;]<\/p>\n","protected":false},"author":3459,"featured_media":7376,"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-7375","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":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Bien pr\u00e9parer sa retraite - 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\/bien-preparer-sa-retraite\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bien pr\u00e9parer sa retraite - Immigrant Qu\u00e9bec\" \/>\n<meta property=\"og:description\" content=\"Les d\u00e9fis pos\u00e9s aux nouveaux arrivants sont nombreux et, entre le logement, le travail, et la scolarit\u00e9 des enfants, la question de la retraite passe souvent inaper\u00e7ue. 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