{"id":4210,"date":"2026-01-12T15:50:59","date_gmt":"2026-01-12T15:50:59","guid":{"rendered":"https:\/\/oberoi.ba-staging.com\/?p=4210"},"modified":"2026-01-12T15:50:59","modified_gmt":"2026-01-12T15:50:59","slug":"vous-pensez-que-la-planification-de-la-retraite-cest-pour-plus-tard-detrompez-vous","status":"publish","type":"post","link":"https:\/\/oberoi.ba-staging.com\/fr\/2026\/01\/12\/vous-pensez-que-la-planification-de-la-retraite-cest-pour-plus-tard-detrompez-vous\/","title":{"rendered":"Vous pensez que la planification de la retraite, c\u2019est pour plus tard? D\u00e9trompez-vous."},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Si vous \u00eates en pleine ascension professionnelle, que vous compl\u00e9tez votre r\u00e9sidence, travaillez de longues heures au cabinet ou b\u00e2tissez votre pratique, la planification de la retraite peut sembler \u00eatre quelque chose que vous pourrez r\u00e9gler plus tard.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Mais voici la r\u00e9alit\u00e9 : les plans de retraite les plus puissants ne commencent pas \u00e0 60 ans. Ils se construisent t\u00f4t, au moment o\u00f9 vos habitudes, votre revenu et vos opportunit\u00e9s sont encore en pleine croissance. Commencer maintenant signifie plus de contr\u00f4le, plus de flexibilit\u00e9 et moins de surprises plus tard.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">La bonne nouvelle? Nous sommes l\u00e0 pour vous aider \u00e0 b\u00e2tir un plan qui commence d\u00e8s maintenant et qui \u00e9volue avec vous. Voici quelques points \u00e0 consid\u00e9rer :<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-4211 size-medium\" src=\"https:\/\/oberoi.ba-staging.com\/wp-content\/uploads\/2026\/01\/vouspensez-01-300x250.png\" alt=\"\" width=\"300\" height=\"250\" \/><\/p>\n<p><b>1. \u00c0 quoi voulez-vous que ressemble votre style de vie futur?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Vous n\u2019avez pas besoin de toutes les r\u00e9ponses aujourd\u2019hui. Mais plus vous commencez t\u00f4t \u00e0 r\u00e9fl\u00e9chir \u00e0 l\u2019ensemble de votre parcours, plus il sera facile de planifier. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Demandez-vous : <\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Est ce que je veux avoir la possibilit\u00e9 de prendre une retraite anticip\u00e9e? <\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Vais je encore soutenir mes enfants au moment de ma retraite? <\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Est ce que je pr\u00e9vois voyager, r\u00e9duire la taille de ma r\u00e9sidence ou poss\u00e9der plusieurs propri\u00e9t\u00e9s? <\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Est ce que je veux financer les \u00e9tudes de mes enfants ou transmettre un patrimoine? <\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Ces questions nous aident \u00e0 b\u00e2tir un plan d\u2019\u00e9pargne et d\u2019investissement \u00e0 long terme adapt\u00e9 \u00e0 votre r\u00e9alit\u00e9, et non selon une formule g\u00e9n\u00e9rique. <\/span><\/p>\n<p><b>2. Votre horizon temporel est votre plus grand atout<\/b><\/p>\n<p>Les Canadiens vivent plus longtemps. L\u2019esp\u00e9rance de vie moyenne d\u00e9passe maintenant 81,9 ans, bien au-dessus des normes internationales\u00b9. Cela signifie que votre retraite pourrait durer deux ou trois d\u00e9cennies, voire plus.<br \/>\nPlus vous commencez t\u00f4t \u00e0 \u00e9pargner, plus vos investissements ont du temps pour cro\u00eetre et se composer.<\/p>\n<p><span style=\"font-weight: 400;\">Par exemple :<br \/>\n\u00c0 35 ans, si vous \u00e9pargnez 1 000 $ par mois, vous pourriez accumuler plus de 1 million de dollars d\u2019ici 65 ans, en supposant un rendement annuel brut de 5 %.<br \/>\nSi vous attendez \u00e0 45 ans pour commencer, vous devrez plus que doubler vos contributions mensuelles pour atteindre le m\u00eame objectif. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">En r\u00e9sum\u00e9 : commencer t\u00f4t, m\u00eame avec de petits montants, vous donne plus d\u2019options pour la retraite. <\/span><\/p>\n<p><b>3. Vos d\u00e9penses \u00e9volueront et l\u2019inflation aussi <\/b><\/p>\n<p><span style=\"font-weight: 400;\">Votre style de vie actuel pourrait \u00eatre tr\u00e8s diff\u00e9rent dans 30 ans. C\u2019est pourquoi il est essentiel de tenir compte non seulement de la fa\u00e7on dont vous vivez aujourd\u2019hui, mais aussi de la fa\u00e7on dont vos besoins pourraient changer.<\/span><\/p>\n<p>Le d\u00e9but de la retraite comporte souvent plus de voyages et de loisirs, tandis que les ann\u00e9es ult\u00e9rieures demandent davantage de soins de sant\u00e9 ou de soutien \u00e0 domicile.<\/p>\n<p>Ajoutez \u00e0 cela l\u2019inflation : un style de vie de 75 000 $ aujourd\u2019hui pourrait co\u00fbter plus de 120 000 $ dans 20 ans, bas\u00e9 sur un taux d\u2019inflation moyen de 2,5 %.<\/p>\n<p>C\u2019est pourquoi nous \u00e9valuons non seulement ce que vous gagnez, mais aussi ce dont vous aurez besoin au fil du temps.<\/p>\n<p><b>4. Profitez des outils fiscalement avantageux pendant qu\u2019ils sont les plus efficaces<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Le choix des bons comptes d\u2019\u00e9pargne peut faire toute la diff\u00e9rence, surtout si vous les utilisez t\u00f4t et r\u00e9guli\u00e8rement. Voici ce que peut repr\u00e9senter une strat\u00e9gie d\u2019\u00e9pargne fiscalement avantageuse : <\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Comptes d\u2019\u00e9pargne libre d\u2019imp\u00f4t (CELI).<\/strong><br \/>\nLes contributions ne sont pas d\u00e9ductibles d\u2019imp\u00f4t, mais les gains et les retraits sont exempts d\u2019imp\u00f4t. Leur flexibilit\u00e9 en fait un excellent outil pour financer des voyages, de gros achats ou couvrir des ann\u00e9es de transition. \u00c0 la retraite, comme les retraits sont non imposables, le CELI peut aider \u00e0 compl\u00e9ter votre revenu sans affecter des prestations comme la S\u00e9curit\u00e9 de la vieillesse.<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>R\u00e9gimes enregistr\u00e9s d\u2019\u00e9pargne retraite (REER).<\/strong><br \/>\nIls permettent une croissance \u00e0 l\u2019abri de l\u2019imp\u00f4t, mais les retraits sont enti\u00e8rement imposables. Il est pr\u00e9f\u00e9rable de contribuer durant vos ann\u00e9es de revenu \u00e9lev\u00e9, ce qui r\u00e9duit votre facture fiscale aujourd\u2019hui tout en augmentant votre revenu de retraite futur.<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Investissements corporatifs.<\/strong><br \/>\nSi vous \u00eates incorpor\u00e9, investir \u00e0 travers votre soci\u00e9t\u00e9 peut vous permettre de faire cro\u00eetre votre patrimoine \u00e0 un taux d\u2019imposition plus avantageux et de reporter l\u2019imp\u00f4t personnel. C\u2019est plus que de l\u2019\u00e9pargne. C\u2019est optimiser chaque dollar pour vous.<\/li>\n<\/ul>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-4213 \" src=\"https:\/\/oberoi.ba-staging.com\/wp-content\/uploads\/2026\/01\/vouspensez-02-300x200.png\" alt=\"\" width=\"397\" height=\"264\" \/><\/p>\n<p><b>5. Incorpor\u00e9? Votre soci\u00e9t\u00e9 peut devenir votre moteur de retraite <\/b><\/p>\n<p><span style=\"font-weight: 400;\">Pour les professionnels incorpor\u00e9s, votre entreprise n\u2019est pas seulement une source de revenus. Elle peut aussi financer votre avenir. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Voici quelques strat\u00e9gies : <\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">Investir dans la soci\u00e9t\u00e9 pour faire cro\u00eetre votre capital \u00e0 un taux d\u2019imposition plus bas et y acc\u00e9der au moment souhait\u00e9.<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">Assurance vie d\u00e9tenue par la soci\u00e9t\u00e9 pour offrir des avantages fiscaux \u00e0 long terme et soutenir le transfert de patrimoine ou la g\u00e9n\u00e9ration de liquidit\u00e9s \u00e0 la retraite.<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">Reporter le revenu personnel pour conserver les fonds dans la soci\u00e9t\u00e9 et vous verser des dividendes plus tard, lorsque votre taux d\u2019imposition personnel est plus faible.<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Nous vous aidons \u00e0 tirer parti de chaque outil, en gardant l\u2019efficacit\u00e9 fiscale au premier plan. <\/span><\/p>\n<p><b>La planification de la retraite n\u2019est pas rigide. Elle est \u00e9volutive.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">La vie change. C\u2019est pourquoi nous consid\u00e9rons votre plan de retraite comme un document vivant. Il \u00e9volue avec vous, s\u2019adapte aux march\u00e9s, aux transitions de carri\u00e8re et \u00e0 vos objectifs personnels. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">La retraite n\u2019est pas simplement quelque chose que vous g\u00e9rez \u00e0 60 ans. C\u2019est une opportunit\u00e9 strat\u00e9gique que vous construisez d\u00e8s maintenant. Nous sommes ici pour vous aider \u00e0 penser \u00e0 long terme, \u00e0 rester flexible et \u00e0 prendre aujourd\u2019hui des d\u00e9cisions qui pr\u00e9pareront l\u2019avenir que vous souhaitez. <\/span><\/p>\n<p><b>Parlons en. Votre futur vous remerciera. <\/b><\/p>\n<p><strong>Sources <\/strong><\/p>\n<p><span style=\"font-weight: 400;\">Information corporative : Agence de la sant\u00e9 publique du Canada, Plan minist\u00e9riel 2024 2025.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Si vous \u00eates en pleine ascension professionnelle, que vous compl\u00e9tez votre r\u00e9sidence, travaillez de longues heures au cabinet ou b\u00e2tissez votre pratique, la planification de la retraite peut sembler \u00eatre quelque chose que vous pourrez r\u00e9gler plus tard. Mais voici la r\u00e9alit\u00e9 : les plans de retraite les plus puissants ne commencent pas \u00e0 60 [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":4203,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"off","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[8],"tags":[],"class_list":["post-4210","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-non-categorise"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Vous pensez que la planification de la retraite, c\u2019est pour plus tard? 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