{"id":6966,"date":"2019-02-09T15:21:08","date_gmt":"2019-02-09T19:21:08","guid":{"rendered":"https:\/\/finvest.ca\/?p=6966"},"modified":"2019-02-09T15:21:12","modified_gmt":"2019-02-09T19:21:12","slug":"la-regle-du-70-tient-elle-toujours-a-la-retraite","status":"publish","type":"post","link":"https:\/\/finvest.ca\/en\/la-regle-du-70-tient-elle-toujours-a-la-retraite\/","title":{"rendered":"La r\u00e8gle du 70% tient-elle toujours \u00e0 la retraite?"},"content":{"rendered":"<p> Le 30 janvier 2019<br><strong>La r\u00e8gle du 70% tient-elle toujours \u00e0 la retraite?<\/strong>&nbsp;<\/p>\n\n\n\n<p>Vous avez certainement entendu dire que pour bien vivre \u00e0 la retraite, il faudra un montant \u00e9quivalent \u00e0 70% de la moyenne de ses revenus bruts des trois derni\u00e8res ann\u00e9es de travail. Cet adage tient-il encore la route?<\/p>\n\n\n\n<p><strong>La r\u00e8gle du pouce<\/strong><br>Calcul de la rente des r\u00e9gimes de retraite \u00e0 prestation d\u00e9termin\u00e9e (employ\u00e9s des gouvernements), qui sont \u00e0 toutes fins utiles des rentes viag\u00e8res&nbsp;: la rente est calcul\u00e9e en prenant la moyenne des revenus bruts des 3 ou 5 derni\u00e8res ann\u00e9es de travail multipli\u00e9 par le nombre d\u2019ann\u00e9es cotis\u00e9es, fois 2% avec un maximum de 35 ann\u00e9es. 35 fois 2% = 70% sont le maximum de la rente.<\/p>\n\n\n\n<p>Le 70% tend \u00e0 justifier la m\u00e9thode de calcul des besoins \u00e0 la retraite. Mais pensez-vous que quelqu\u2019un qui gagne 20&nbsp;000$ brut puisse vivre sur 12&nbsp;000$ \u00e0 la retraite? &nbsp;&nbsp;<\/p>\n\n\n\n<p><strong>On se met le pouce dans l\u2019\u0153il!<\/strong><br>Une famille de 4 enfants verra son co\u00fbt de vie diminuer de fa\u00e7on importante \u00e0 la retraite&nbsp;: les enfants auront quitt\u00e9 le nid, la maison sera probablement libre d\u2019hypoth\u00e8ques, les co\u00fbts pour gagner un revenu seront \u00e9limin\u00e9s, on ach\u00e8tera moins de v\u00eatements\u2026 Mais les six mois en Floride\u2026<\/p>\n\n\n\n<p>D\u2019un autre c\u00f4t\u00e9, un c\u00e9libataire ne verra pas son co\u00fbt de vie diminuer d\u2019autant, mais aura probablement accumul\u00e9 un plus gros pactole pour sa retraite.<\/p>\n\n\n\n<p><strong>Si on rel\u00e8gue le 70% aux oubliettes, quelle r\u00e8gle utiliserons-nous?<\/strong><\/p>\n\n\n\n<p><strong>Le budget par diff\u00e9rence<\/strong><\/p>\n\n\n\n<p>Faites un budget sur deux colonnes.<\/p>\n\n\n\n<p>La colonne de gauche repr\u00e9sente les d\u00e9penses de l\u2019ann\u00e9e courante. La colonne de droite, celles de votre premi\u00e8re ann\u00e9e de retraite. Certaines lignes seront plus \u00e9lev\u00e9es et certaines autres plus basses.<\/p>\n\n\n\n<p>Une fois cet exercice fait le plus honn\u00eatement possible, fixez une rencontre avec votre conseiller en s\u00e9curit\u00e9 financi\u00e8re. Avec lui, vous pourrez aborder des sujets comme&nbsp;: \u00e0 75 ans, je n\u2019aurai pas les m\u00eames besoins ou m\u00eames capacit\u00e9s de d\u00e9penser, l\u2019inflation dans tout cela, la vente de la maison, l\u2019esp\u00e9rance de vie\u2026<\/p>\n\n\n\n<p><strong>Analyse de vos revenus de retraite<\/strong><br>Durant cette rencontre, vous aborderez l\u2019\u00e9pineux sujet&nbsp;:&nbsp;\u00ab&nbsp;combien me faudra-t-il \u00e9conomiser pour avoir une retraite confortable?&nbsp;\u00bb<\/p>\n\n\n\n<p><strong>En conclusion&nbsp;: \u00ab&nbsp;on ne d\u00e9bute jamais trop t\u00f4t \u00e0 \u00e9conomiser pour la retraite!&nbsp;\u00bb<br><br>Mauro DiCesare, B.Comm, Pl.Fin<\/strong><br>Planificateur Financier\/Financial Planner&nbsp;<br>Financial Security Advisor\/Conseiller en S\u00e9curit\u00e9 Financi\u00e8re avec Groupe Financier Finvest Inc.<br>Mutual Fund Representative\/Repr\u00e9sentant en \u00e9pargne collective avec Investia Services Financiers&nbsp;Inc.<br>514-376-7771\n\n<\/p>","protected":false},"excerpt":{"rendered":"<p>Le 30 janvier 2019La r\u00e8gle du 70% tient-elle toujours \u00e0 la retraite?&nbsp; Vous avez certainement entendu dire que pour bien vivre \u00e0 la retraite, il faudra un montant \u00e9quivalent \u00e0 70% de la moyenne de ses revenus bruts des trois derni\u00e8res ann\u00e9es de travail. Cet adage tient-il encore la route? La r\u00e8gle du pouceCalcul de [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":6968,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-6966","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-non-classe"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>La r\u00e8gle du 70% tient-elle toujours \u00e0 la retraite? - Finvest<\/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:\/\/finvest.ca\/en\/la-regle-du-70-tient-elle-toujours-a-la-retraite\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"La r\u00e8gle du 70% tient-elle toujours \u00e0 la retraite? - Finvest\" \/>\n<meta property=\"og:description\" content=\"Le 30 janvier 2019La r\u00e8gle du 70% tient-elle toujours \u00e0 la retraite?&nbsp; Vous avez certainement entendu dire que pour bien vivre \u00e0 la retraite, il faudra un montant \u00e9quivalent \u00e0 70% de la moyenne de ses revenus bruts des trois derni\u00e8res ann\u00e9es de travail. 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