{"id":7003,"date":"2019-10-01T15:50:26","date_gmt":"2019-10-01T19:50:26","guid":{"rendered":"https:\/\/finvest.ca\/?p=7003"},"modified":"2019-10-01T15:51:58","modified_gmt":"2019-10-01T19:51:58","slug":"liberte-55","status":"publish","type":"post","link":"https:\/\/finvest.ca\/en\/liberte-55\/","title":{"rendered":"Libert\u00e9 55"},"content":{"rendered":"
Le 25 septembre 2019

\u00a0Libert\u00e9 55…60\u202665\u202670\u202675\u2026\u2026<\/strong>\u00a0

Avec sa publicit\u00e9 \u00ab\u00a0Libert\u00e9 55\u00a0\u00bb, la London Life fit de l\u2019\u00e2ge le facteur le plus important en ce qui a trait \u00e0 la prise de retraite.
Oh! Comme les choses ont chang\u00e9 depuis quelques ann\u00e9es. On parle de moins en moins de l\u2019\u00e2ge de la retraite (sauf nos politiciens), mais du concept de la retraite. Prendre sa retraite, c\u2019est quoi aujourd\u2019hui et quelle sorte de retraite les gens envisagent-ils\u2009?

C\u2019est quoi la retraite ?<\/strong>
Bye Bye Boss\u00a0:\u00a0<\/em>plusieurs personnes pourront prendre leur retraite en coupant soudainement leur lien d\u2019emploi. Mais pour beaucoup c\u2019est une toute autre chose. Je vous invite \u00e0 lire cet excellent article du Journal Le Bel \u00c2ge qui se r\u00e9sume ainsi\u00a0: \u00ab\u00a0La retraite n\u2019a aucun sens si elle ne sert qu\u2019\u00e0 s\u2019amuser. Il faut continuer \u00e0 apprendre, \u00e0 se r\u00e9aliser et \u00e0 \u00eatre utile \u00e0 la soci\u00e9t\u00e9 \u00bb. Pour lire l\u2019article au complet\u00a0:\u00a0cliquez ici<\/a>
Notre soci\u00e9t\u00e9 nous impose de vivre \u00e0 100 milles \u00e0 l\u2019heure. Pensez-vous pouvoir tomber \u00e0 z\u00e9ro \u00e0 votre retraite ? Certains retrait\u00e9s retournent au travail pour combattre l\u2019ennui, mais d\u2019autres par manque d\u2019argent, j\u2019en conviens
.
La retraite n\u2019est plus seulement une question d\u2019\u00e2ge! Que vais-je faire de mon temps et aurais-je assez d\u2019argent?<\/strong>

\u00c9valuer ses besoins financiers \u00e0 la retraite.<\/strong>
\u00c9pineuse question s\u2019il en est une.
Prenez une feuille de papier blanche et divisez-la en deux colonnes verticales. \u00c0 gauche\u00a0: \u00e7a me co\u00fbte combien aujourd\u2019hui pour…les v\u00eatements, la nourriture, etc. Dans la colonne de droite, \u00e7a me co\u00fbtera combien \u00e0 la retraite\u2009? N\u2019oubliez pas les extras (voyages\u2026). Faites la m\u00eame chose pour les revenus et estimez votre d\u00e9ficit annuel que vous devrez combler \u00e0 partir de votre fonds de retraite.
Simpliste, direz-vous? Peut-\u00eatre. Mais en ce qui concerne votre retraite de r\u00eave, l\u2019expert, c\u2019est vous!

Parlons-en ensemble !<\/strong>

CELI ou REER<\/strong>
Encore une question de plus en plus d\u00e9battue par les experts. Si votre revenu imposable (revenu gagn\u00e9 moins les exemptions de base) se situe sous la barre des $50,000, votre remboursement d\u2019imp\u00f4t avoisinera 35% pour chaque dollar investi dans un REER. Lorsque viendra le temps de retirer des sous de votre FERR \u00e0 la retraite, vous devrez vous imposer \u00e0 la fois sur le capital investi et sur sa croissance.
Les sommes plac\u00e9es dans un CELI ne sont pas d\u00e9ductibles de votre revenu imposable, nous en convenons, mais ni le capital ni sa croissance ne viendront augmenter vos retraits ni influencer votre pension de la s\u00e9curit\u00e9 et de la vieillesse ni votre minimum de revenu garanti.

Le REER et le CELI devraient faire partie de votre strat\u00e9gie de retraite, quel que soit votre niveau de revenu.
Parlons-en ensemble!<\/strong>

Assurance vie ou assurance sant\u00e9<\/strong>
Vous avez 35, 40, 50 ans et nous avons \u00e9tabli une strat\u00e9gie de retraite qui vous permet d\u2019anticiper une retraite heureuse sans pour autant sacrifier le pr\u00e9sent.

Il y a 25 ans, on parlait beaucoup d\u2019assurance vie, mais aujourd\u2019hui, nous devons modifier notre discours. Saviez-vous qu\u2019un individu entre 35 et 50 ans a beaucoup plus de chances d\u2019avoir une maladie grave ou de tomber invalide que de d\u00e9c\u00e9der. Regardez autour de vous, les cas de cancer, de maladies cardio-vasculaires se multiplient. Les gens y survivent, mais souvent en engloutissant leur fonds de retraite.
Toute strat\u00e9gie de retraite devrait tenir compte de la forte probabilit\u00e9 que vous soyez affect\u00e9 d\u2019une maladie grave avant de l\u2019atteindre.

Parlons-en ensemble!<\/strong>

En ce qui concerne ma retraite, je ne parle plus de Libert\u00e9 55, mais bien de Libert\u00e9 tout court!
\u00a0
Mauro DiCesare, B.Comm, Pl.Fin<\/strong>
Planificateur Financier\/Financial Planner\u00a0
Financial Security Advisor\/Conseiller en S\u00e9curit\u00e9 Financi\u00e8re avec Groupe Financier Finvest Inc.
Mutual Fund Representative\/Repr\u00e9sentant en \u00e9pargne collective avec Investia Services Financiers\u00a0Inc.
514-376-7771<\/td><\/tr><\/tbody><\/table>\n\n\n\n
\n\n<\/td><\/tr><\/tbody><\/table>","protected":false},"excerpt":{"rendered":"

Le 25 septembre 2019 \u00a0Libert\u00e9 55…60\u202665\u202670\u202675\u2026\u2026\u00a0 Avec sa publicit\u00e9 \u00ab\u00a0Libert\u00e9 55\u00a0\u00bb, la London Life fit de l\u2019\u00e2ge le facteur le plus important en ce qui a trait \u00e0 la prise de retraite.Oh! Comme les choses ont chang\u00e9 depuis quelques ann\u00e9es. On parle de moins en moins de l\u2019\u00e2ge de la retraite (sauf nos politiciens), mais […]<\/p>\n","protected":false},"author":7,"featured_media":7006,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-7003","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-non-classe"],"yoast_head":"\nLibert\u00e9 55 - 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\/liberte-55\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Libert\u00e9 55 - Finvest\" \/>\n<meta property=\"og:description\" content=\"Le 25 septembre 2019 \u00a0Libert\u00e9 55…60\u202665\u202670\u202675\u2026\u2026\u00a0 Avec sa publicit\u00e9 \u00ab\u00a0Libert\u00e9 55\u00a0\u00bb, la London Life fit de l\u2019\u00e2ge le facteur le plus important en ce qui a trait \u00e0 la prise de retraite.Oh! 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