{"id":2275,"date":"2019-03-22T16:43:48","date_gmt":"2019-03-22T20:43:48","guid":{"rendered":"http:\/\/www.actionti.com\/publications\/comment-eviter-lendettement-a-la-retraite\/"},"modified":"2019-03-22T16:43:48","modified_gmt":"2019-03-22T20:43:48","slug":"comment-eviter-lendettement-a-la-retraite","status":"publish","type":"post","link":"https:\/\/actionti.com\/en\/publications\/comment-eviter-lendettement-a-la-retraite\/","title":{"rendered":"COMMENT \u00c9VITER L\u2019ENDETTEMENT \u00c0 LA RETRAITE"},"content":{"rendered":"
Par Whitemont<\/em><\/a><\/h5>\n

Contrairement aux g\u00e9n\u00e9rations pr\u00e9c\u00e9dentes, les retrait\u00e9s d\u2019aujourd\u2019hui pourraient devoir faire face \u00e0 des difficult\u00e9s financi\u00e8res au cours de leur retraite. Au Qu\u00e9bec, 22 % des retrait\u00e9s font toujours des paiements hypoth\u00e9caires, en plus d\u2019avoir \u00e0 rembourser des dettes de cartes de cr\u00e9dit, selon un sondage Ipsos effectu\u00e9 en 2017 . Alors que les retrait\u00e9s sont aux prises avec des dettes, un travailleur sur cinq (21 %) a d\u00e9j\u00e0 puis\u00e9 dans son \u00e9pargne-retraite. Aussi, 60 % d\u2019entre eux l\u2019on fait parce qu\u2019ils avaient besoin d\u2019argent, notamment pour payer des frais li\u00e9s \u00e0 la sant\u00e9 ou pour rembourser leurs dettes.<\/p>\n

<\/h3>\n

Comment r\u00e9ussir \u00e0 vivre pleinement votre retraite sans dettes\u2009?<\/h2>\n

1. R\u00e9duire vos d\u00e9penses<\/strong><\/h4>\n

Cela semble logique n\u2019est-ce pas\u2009? \u00c9vitez de faire des achats avec vos cartes de cr\u00e9dit, et ce, jusqu\u2019\u00e0 ce que le solde de toutes vos cartes soit rembours\u00e9. Si vous d\u00e9tenez plus d\u2019une carte, remboursez une premi\u00e8re carte et annulez-l\u00e0 ensuite. \u00c0 la fin du processus, ne conservez qu\u2019une seule carte. R\u00e9duisez-en la limite de cr\u00e9dit \u00e9galement. Apr\u00e8s tout, \u00e0 la retraite, vos revenus vont diminuer et vos d\u00e9penses devraient suivre la m\u00eame tangente.<\/p>\n

2. Rembourser plus rapidement votre dette hypoth\u00e9caire.<\/strong><\/h4>\n

Voici trois strat\u00e9gies pour y arriver :<\/p>\n

    \n
  1. Payer plus que le minimum<\/strong>. Par exemple, si le paiement hypoth\u00e9caire est de 1000 $ par mois et que vous pouvez ajouter 200 $ de plus par mois, vous r\u00e9duisez ainsi les montants des int\u00e9r\u00eats \u00e0 payer et diminuez la p\u00e9riode de remboursement.<\/li>\n
  2. Effectuez un versement forfaitaire chaque ann\u00e9e<\/strong>. Cela peut provenir d\u2019un remboursement d\u2019imp\u00f4t, d\u2019un boni annuel, etc. La plupart des pr\u00eateurs permettent aux emprunteurs de faire des paiements additionnels de 10 % \u00e0 20 %.<\/li>\n
  3. Effectuez des versements toutes les deux semaines<\/strong>. Vous verserez ainsi 26 demi-paiements mensuels par ann\u00e9e et rembourserez ainsi annuellement l\u2019\u00e9quivalent d\u2019un paiement mensuel de plus.<\/li>\n<\/ol>\n

    3. Profitez de tout ce \u00e0 quoi vous avez droit<\/strong><\/h4>\n

    Si votre employeur offre un r\u00e9gime de retraite assorti de cotisations patronales compl\u00e9mentaires, maximisez vos cotisations. Si vous \u00eates \u00e0 cinq ans ou moins de la retraite, \u00e9valuez la possibilit\u00e9 d\u2019investir dans un Fonds de travailleurs. Ces derniers offrent de g\u00e9n\u00e9reux cr\u00e9dits d\u2019imp\u00f4t qui compensent les faibles rendements annuels et les risques encourus. \u00c0 la retraite, assurez-vous toutefois de transf\u00e9rer ce capital dans votre REER individuel.<\/p>\n

    4. Investir de fa\u00e7on judicieuse<\/strong><\/h4>\n

    Si vous ne b\u00e9n\u00e9ficiez pas d\u2019un r\u00e9gime de retraite chez votre employeur, discutez des options d\u2019\u00e9pargne dans un REER ou un CELI avec un planificateur financier ind\u00e9pendant.<\/p>\n

    5. \u00c9tablir un plan et le respecter<\/strong><\/h4>\n

    Il n\u2019est jamais trop tard pour \u00e9tablir une strat\u00e9gie financi\u00e8re pour la retraite qui vous permettra d\u2019atteindre vos objectifs financiers. En travaillant en \u00e9quipe avec un planificateur financier ind\u00e9pendant, vous fixerez ensemble des objectifs r\u00e9alistes et vous serez ainsi guid\u00e9(e) progressivement vers cette importante \u00e9tape de votre vie financi\u00e8re.<\/p>\n

     <\/p>\n

    Le Cabinet de services financiers Whitemont offre aux membres du R\u00e9seau ACTION TI une planification financi\u00e8re de la retraite sans frais, incluant l\u2019analyse de vos placements et la gestion de la dette. Passez \u00e0 l\u2019action d\u00e8s maintenant en contactant un membre de notre \u00e9quipe au 514 393-1790, poste 455 ou par courriel<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"

    Par Whitemont Contrairement aux g\u00e9n\u00e9rations pr\u00e9c\u00e9dentes, les retrait\u00e9s d\u2019aujourd\u2019hui pourraient devoir faire face \u00e0 […]<\/p>\n","protected":false},"author":29672,"featured_media":1604,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[62],"class_list":["post-2275","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualite"],"acf":[],"yoast_head":"\nCOMMENT \u00c9VITER L\u2019ENDETTEMENT \u00c0 LA RETRAITE | R\u00e9seau Action TI<\/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:\/\/actionti.com\/publications\/comment-eviter-lendettement-a-la-retraite\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta 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