{"id":22606,"date":"2023-08-01T00:00:00","date_gmt":"2023-08-01T00:00:00","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/retraite\/planification-de-la-retraite\/les-trois-phases-de-la-retraite\/"},"modified":"2024-03-07T17:46:22","modified_gmt":"2024-03-07T17:46:22","slug":"les-trois-phases-de-la-retraite","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/retraite\/planification-de-la-retraite\/les-trois-phases-de-la-retraite\/","title":{"rendered":"Les trois phases de la retraite"},"content":{"rendered":"<div class=\"wp-block-rbc-single-article-header\">\n\t<section class=\"section-grey cover pad-t-hlf\">\n\t\t<div class=\"section-inner w-half w-mob-full centered-margin cover section-grey pad-tb-0\">\n\t\t\t\t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/sujets\/retraite\/\">\n\t\t\t\t\t\t\t<span>Retraite<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<h1 class=\"mar-b-hlf mar-t-0 mob-pad-lr-hlf h2 has-black-color\">Les trois phases de la retraite<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By RBC<\/p>\t\t\t\t\t<div class=\"featured-image-wrapper pos-rel\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"930\" height=\"620\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-08-01T142522.660.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"Un couple voyageant ensemble\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-08-01T142522.660.jpg 930w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-08-01T142522.660.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-08-01T142522.660.jpg?resize=768,512 768w\" sizes=\"auto, (max-width: 930px) 100vw, 930px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t<\/section>\n\t<div class=\"article mar-t-dbl\">\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner socials-section\">\n\t\t\t\t<div class=\"top-socials-bar mob-mar-b-hlf\">    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Les trois phases de la retraite &#038;body=Bonjour, je pensais que cet article de RBC Mes finances d\u2019abord pourrait vous int\u00e9resser: https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/retraite\/planification-de-la-retraite\/les-trois-phases-de-la-retraite\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Courriel        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/retraite\/planification-de-la-retraite\/les-trois-phases-de-la-retraite\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copier l\u2019URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  <\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner w-half w-mob-full centered-margin pad-tb-0 mob-mar-t-hlf mob-mar-b\">\n\t\t\t\t<p class=\"cover-pub-line text-xs mar-b-hlf\">Published 1 ao\u00fbt 2023 \u2022 5 min de lecture<\/p>\t\t\t<\/div>\n\t\t<\/section>\n\t<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner w-half w-mob-full\" style=\"border-radius:0x\">\n<p>La retraite se d\u00e9roule habituellement en trois \u00e9tapes, distinctes les unes des autres sur le plan financier.<\/p>\n\n\n\n<p>Voici un aper\u00e7u des points \u00e0 garder \u00e0 l&rsquo;esprit quand on aborde ce nouveau chapitre de la vie, sachant qu&rsquo;il faut s&rsquo;assurer des ressources durables et pouvoir r\u00e9pondre \u00e0 des besoins qui vont \u00e9voluer d&rsquo;une phase \u00e0 l&rsquo;autre.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00c9tape 1 \u2013 Les premi\u00e8res ann\u00e9es<\/h2>\n\n\n\n<p>Des ann\u00e9es de travail r\u00e9mun\u00e9r\u00e9 viennent de s&rsquo;achever. Le temps est venu de mener les activit\u00e9s et les projets qui vous tiennent \u00e0 c\u0153ur, \u00e0 condition, bien s\u00fbr, de le pouvoir sans plus toucher un salaire. Au d\u00e9but de votre retraite, vous d\u00e9penserez peut-\u00eatre plus que d&rsquo;habitude \u2013 en voyages et autres loisirs.<\/p>\n\n\n\n<p><b>\u00c9valuez vos d\u00e9penses<\/b><\/p>\n\n\n\n<p>Il s&rsquo;agit de distinguer entre les d\u00e9penses fixes (engag\u00e9es pour vous loger, par exemple) et les d\u00e9penses variables qu&rsquo;impliqueront r\u00e9novations, voyages et autres passe-temps. En guise de test de solidit\u00e9 financi\u00e8re, pensez \u00e0 la mani\u00e8re dont vous r\u00e9gleriez une d\u00e9pense importante comme l&rsquo;achat d&rsquo;un nouveau v\u00e9hicule ou la r\u00e9paration de la toiture.<\/p>\n\n\n\n<p><b>Passez en revue les prestations auxquelles vous avez droit<\/b><\/p>\n\n\n\n<p>Si votre emploi vous permettait d&rsquo;adh\u00e9rer \u00e0 un r\u00e9gime d&rsquo;avantages sociaux, il couvrait probablement le co\u00fbt des soins m\u00e9dicaux et dentaires pour vous-m\u00eame et pour votre conjoint(e). \u00c0 pr\u00e9sent que vous n&rsquo;\u00eates plus salari\u00e9(e), voyez \u00e0 quelles prestations vous avez encore droit et quelle couverture compl\u00e9mentaire il faudra pr\u00e9voir le cas \u00e9ch\u00e9ant.<\/p>\n\n\n\n<p><b>Recensez vos sources de revenu<\/b><\/p>\n\n\n\n<p>La fa\u00e7on dont vous utiliserez vos sources de revenu de retraite d\u00e9terminera le montant d&rsquo;imp\u00f4t que vous devrez payer (donc ce qui restera ensuite).<\/p>\n\n\n\n<p>Aussi est-il important de recenser toutes vos sources de revenu actuelles ou futures et d&rsquo;\u00e9valuer quels montants vous pr\u00e9voyez de toucher. Les sources de revenu habituelles comprennent les prestations du R\u00e9gime de pensions du Canada (RPC), du RRQ si vous vivez au Qu\u00e9bec, de la S\u00e9curit\u00e9 de la vieillesse et des r\u00e9gimes des employeurs, ainsi que les placements enregistr\u00e9s (FERR, par exemple) ou non enregistr\u00e9s.<\/p>\n\n\n\n<p>Un planificateur financier pourra vous aider \u00e0 accorder vos besoins aux ressources dont vous disposez et \u00e0 g\u00e9rer vos imp\u00f4ts de mani\u00e8re \u00e0 utiliser vos revenus de retraite le plus efficacement possible.<\/p>\n\n\n\n<p><b>R\u00e9examinez votre portefeuille<\/b><\/p>\n\n\n\n<p>Vous puiserez probablement dans vos avoirs d\u00e8s le d\u00e9but de votre retraite. Il faudra donc revoir votre portefeuille afin qu&rsquo;il g\u00e9n\u00e8re des revenus optimaux sans \u00eatre trop expos\u00e9 au risque. Gardez toutefois \u00e0 l&rsquo;esprit que vos \u00e9pargnes devront \u00e9galement fructifier en vue de vos derni\u00e8res ann\u00e9es. Si vous ajoutez des titres de croissance (actions, fonds communs de placement et autres) \u00e0 votre portefeuille, son rendement exc\u00e9dera plus s\u00fbrement l&rsquo;inflation.<\/p>\n\n\n\n<p><b>D\u00e9finissez une strat\u00e9gie pour parer aux d\u00e9penses impr\u00e9vues<\/b><\/p>\n\n\n\n<p>Des surprises peuvent survenir en tout temps. Un plan s&rsquo;impose qui permettra de r\u00e9pondre \u00e0 tout besoin de liquidit\u00e9s imm\u00e9diat. Il est g\u00e9n\u00e9ralement plus facile d&rsquo;en obtenir avec les placements non enregistr\u00e9s, mais il peut arriver qu&rsquo;il faille puiser dans un fonds enregistr\u00e9. Il est donc important de savoir, en pareille situation, quel placement utiliser et quand.<\/p>\n\n\n\n<p>Autre possibilit\u00e9 : un emprunt, qui contribuera \u00e0 pr\u00e9server vos actifs. Ce peut \u00eatre une bonne option si vous pensez pouvoir rembourser le pr\u00eat rapidement ou que vous disposez de liquidit\u00e9s exc\u00e9dentaires vous permettant de faire des versements r\u00e9guliers.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00c9tape 2 \u2013 Le r\u00e9gime de croisi\u00e8re<\/h2>\n\n\n\n<p>Avec les ann\u00e9es, votre mode de vie va probablement changer \u2013 vos besoins et vos d\u00e9penses aussi, par cons\u00e9quent. Vous aurez peut-\u00eatre moins le go\u00fbt de voyager et davantage envie de passer du temps avec vos proches et vos amis. Vous voudrez peut-\u00eatre vivre ailleurs et ne plus consacrer autant d&rsquo;efforts \u00e0 l&rsquo;entretien de votre r\u00e9sidence. C&rsquo;est le moment de r\u00e9\u00e9valuer les liquidit\u00e9s dont vous avez besoin et de d\u00e9terminer si vos revenus suffisent toujours \u2013 s&rsquo;ils sont en rapport avec les d\u00e9penses auxquelles vous faites face \u00e0 pr\u00e9sent. C&rsquo;est l&rsquo;\u00e9tape o\u00f9 il est souvent question de r\u00e9duire le train de vie. Certains retrait\u00e9s souhaitent rester vivre dans la maison familiale, d&rsquo;autres constatent que cela leur co\u00fbte trop cher. Analysez soigneusement la situation et voyez avec un planificateur financier quelles sont vos priorit\u00e9s et s&rsquo;il serait judicieux de prendre telle ou telle d\u00e9cision.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00c9tape 3 \u2013 Le grand \u00e2ge et les derni\u00e8res ann\u00e9es<\/h2>\n\n\n\n<p>C&rsquo;est l&rsquo;\u00e9tape o\u00f9, pour bien des Canadiens, la question de la sant\u00e9 et du co\u00fbt des soins devient pr\u00e9dominante. Dans bien des cas, les d\u00e9penses connexes ne seront pas assum\u00e9es par votre province \u2013 le fardeau s&rsquo;alourdira pour votre m\u00e9nage. Dans cette perspective, il est judicieux de veiller \u00e0 ce qu&rsquo;une partie de vos placements puisse facilement \u00eatre convertie en liquidit\u00e9s, si besoin est. Vous pouvez aussi envisager de constituer un fonds d&rsquo;urgence auquel vous aurez facilement acc\u00e8s si votre sant\u00e9 r\u00e9clame des soins co\u00fbteux. Qui dit retraite dit changement. En vous adressant \u00e0 un planificateur financier, vous serez plus \u00e0 m\u00eame de subvenir \u00e0 vos besoins \u00e0 chaque \u00e9tape de votre retraite, donc de vivre celle-ci le mieux possible.<\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse942faa40\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse942faa40\" data-dig-id=\"LP-32776-942faa40\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Un mot de nos avocats\"><span>Un mot de nos avocats<\/span><span>Un mot de nos avocats<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse942faa40\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>Le pr\u00e9sent article vise \u00e0 offrir des renseignements g\u00e9n\u00e9raux seulement et n\u2019a pas pour objet de fournir des conseils juridiques ou financiers, ni d\u2019autres conseils professionnels. Veuillez consulter un conseiller professionnel en ce qui concerne votre situation particuli\u00e8re. Les renseignements pr\u00e9sent\u00e9s sont r\u00e9put\u00e9s \u00eatre factuels et \u00e0 jour, mais nous ne garantissons pas leur exactitude et ils ne doivent pas \u00eatre consid\u00e9r\u00e9s comme une analyse exhaustive des sujets abord\u00e9s. Les opinions exprim\u00e9es refl\u00e8tent le jugement des auteurs \u00e0 la date de publication et peuvent changer. La Banque Royale du Canada et ses entit\u00e9s ne font pas la promotion, ni explicitement ni implicitement, des conseils, des avis, des renseignements, des produits ou des services de tiers.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n<p class=\"has-text-align-center h5 mar-b\"><strong>Partager cet article<\/strong><\/p>\n\n\n\n\t\t<div class=\"socials-block\">\n\t\t\t    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Les trois phases de la retraite &#038;body=Bonjour, je pensais que cet article de RBC Mes finances d\u2019abord pourrait vous int\u00e9resser: https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/retraite\/planification-de-la-retraite\/les-trois-phases-de-la-retraite\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Courriel        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/retraite\/planification-de-la-retraite\/les-trois-phases-de-la-retraite\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copier l\u2019URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  \t\t<\/div>\n\n\t\t\n\n\t\n\t<div class=\"wp-block-tk-spacer id-0cc92243-2a48-45e1-be7f-54b26570e6a1\" aria-hidden=\"true\"><\/div>\n\t\n\n\n\t\t\t<div class=\"wp-block-rbc-single-post-topics related-topics-links\">\n\t\t\t\t<p class=\"h5 mar-r-hlf\">Topics:<\/p>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/sujets\/retraite\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Retraite<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel mob-pad-t-dbl\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading mar-b mob-mar-b-dbl mar-t-0\" id=\"h-a-lire-ensuite\">\u00c0 lire ensuite<\/h2>\n\n\n\t\t\t<div class=\"related-posts-type-2\">\n\t\t\t\t<div class=\"related-post-list\">\n\t\t\t\t\t<ul class=\"grid-wpr eh-wpr\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/shutterstock_1823396156_retirementreadiness.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Couple d&#039;\u00e2ge moyen promenant un chien et r\u00e9fl\u00e9chissant \u00e0 leur \u00e9pargne-retraite et s\u00e9curit\u00e9 financi\u00e8re future ; image illustrant la planification de la pr\u00e9paration \u00e0 la retraite\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/shutterstock_1823396156_retirementreadiness.jpg 6720w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/shutterstock_1823396156_retirementreadiness.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/shutterstock_1823396156_retirementreadiness.jpg?resize=768,512 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/shutterstock_1823396156_retirementreadiness.jpg?resize=1024,683 1024w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/shutterstock_1823396156_retirementreadiness.jpg?resize=1536,1024 1536w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/shutterstock_1823396156_retirementreadiness.jpg?resize=2048,1365 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"card-details mob-mar-b-0 mob-mar-t-0 pad-r-0 col-md-12 col-xs-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/retraite\/planification-de-la-retraite\/\">\n\t\t\t\t\t\tPlanification de la retraite\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/retraite\/planification-de-la-retraite\/en-retard-dans-votre-epargne-retraite-voici-ce-quil-faut-faire\/\" class=\"card-title h4 mar-t-0\">En retard dans votre \u00e9pargne-retraite? Voici ce qu\u2019il faut faire.<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"662\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/02\/shutterstock_2490670013_talking-to-aging-parents-about-money.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Des enfants adultes et des parents retrait\u00e9s assis ensemble sur un canap\u00e9, montrant comment parler d&#039;argent avec des parents vieillissants dans un cadre confortable et collaboratif.\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/02\/shutterstock_2490670013_talking-to-aging-parents-about-money.jpg 6644w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/02\/shutterstock_2490670013_talking-to-aging-parents-about-money.jpg?resize=300,194 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/02\/shutterstock_2490670013_talking-to-aging-parents-about-money.jpg?resize=768,496 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/02\/shutterstock_2490670013_talking-to-aging-parents-about-money.jpg?resize=1024,662 1024w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/02\/shutterstock_2490670013_talking-to-aging-parents-about-money.jpg?resize=1536,993 1536w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/02\/shutterstock_2490670013_talking-to-aging-parents-about-money.jpg?resize=2048,1324 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"card-details mob-mar-b-0 mob-mar-t-0 pad-r-0 col-md-12 col-xs-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/retraite\/planification-de-la-retraite\/\">\n\t\t\t\t\t\tPlanification de la retraite\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/retraite\/planification-de-la-retraite\/comment-parler-dargent-avec-des-parents-ages\/\" class=\"card-title h4 mar-t-0\">Comment parler d\u2019argent avec des parents \u00e2g\u00e9s<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/01\/The-Million-dollar-retirement.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Jeune couple utilisant l&#039;ordinateur portable au lit \u00e0 la maison\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/01\/The-Million-dollar-retirement.jpg 3864w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/01\/The-Million-dollar-retirement.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/01\/The-Million-dollar-retirement.jpg?resize=768,512 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/01\/The-Million-dollar-retirement.jpg?resize=1024,683 1024w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/01\/The-Million-dollar-retirement.jpg?resize=1536,1024 1536w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/01\/The-Million-dollar-retirement.jpg?resize=2048,1366 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"card-details mob-mar-b-0 mob-mar-t-0 pad-r-0 col-md-12 col-xs-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/retraite\/planification-de-la-retraite\/\">\n\t\t\t\t\t\tPlanification de la retraite\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/retraite\/planification-de-la-retraite\/mythe-du-million-de-dollars\/\" class=\"card-title h4 mar-t-0\">Combien il faut vraiment pour s\u2019assurer une retraite confortable au Canada, ou le mythe du million de dollars<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n<\/section>\n<style class=\"advgb-styles-renderer\">\n\t\t.wp-block-tk-spacer.id-0cc92243-2a48-45e1-be7f-54b26570e6a1 {\n\t\theight: 60px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-0cc92243-2a48-45e1-be7f-54b26570e6a1 {\n\t\t\theight: 30px;\n\t\t}\n\t}\t<\/style>","protected":false},"excerpt":{"rendered":"<p>La retraite se d\u00e9roule habituellement en trois \u00e9tapes, distinctes les unes des autres sur le plan financier.<\/p>\n","protected":false},"author":113,"featured_media":22607,"parent":6542,"menu_order":0,"template":"","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"tags":[313],"rbc_content_type":[121],"rbc_audience":[150],"rbc_lob_group":[140],"rbc_difficulty_level":[123],"rbc_mmm_category":[30,79,41],"class_list":["post-22606","rbc_my_money_matter","type-rbc_my_money_matter","status-publish","has-post-thumbnail","hentry","tag-retraite","rbc_content_type-article","rbc_audience-aines","rbc_lob_group-placements","rbc_difficulty_level-beginner","rbc_mmm_category-objectifs-et-aspirations","rbc_mmm_category-planification-de-la-retraite","rbc_mmm_category-retraite"],"acf":{"contently_publication_id":"365197","custom_author":"RBC","rbc_video_header":"","rbc_media_duration":"","rbc_toc_for_mmm_tag":"h2","rbc_toc_for_mmm_limit":6,"rbc_toc_for_mmm":null,"rbc_toc_for_mmm_action":""},"yoast_head":"<!-- This site is optimized with 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