{"id":22734,"date":"2023-09-01T00:00:00","date_gmt":"2023-09-01T00:00:00","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/types-dinvestissement\/comment-epargner-suffisamment-pour-une-retraite-confortable\/"},"modified":"2024-02-22T16:06:43","modified_gmt":"2024-02-22T16:06:43","slug":"comment-epargner-suffisamment-pour-une-retraite-confortable","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/investisseur-inspire\/idees-et-motivation\/comment-epargner-suffisamment-pour-une-retraite-confortable\/","title":{"rendered":"Comment \u00e9pargner suffisamment pour une retraite confortable ?"},"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\">Comment \u00e9pargner suffisamment pour une retraite confortable ?<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By l&#039;\u00e9quipe Investisseur inspir\u00e9<\/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-2023-09-01T131937.880.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"Femme se relaxant avec un livre dans un champ ensoleill\u00e9.\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-09-01T131937.880.jpg 930w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-09-01T131937.880.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-09-01T131937.880.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=Comment \u00e9pargner suffisamment pour une retraite confortable ? &#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\/investisseur-inspire\/idees-et-motivation\/comment-epargner-suffisamment-pour-une-retraite-confortable\/\">\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\/investisseur-inspire\/idees-et-motivation\/comment-epargner-suffisamment-pour-une-retraite-confortable\/\">\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 septembre 2023 \u2022 4 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><i>Cet article a \u00e9t\u00e9 produit avec des fichiers provenant de <\/i><a href=\"https:\/\/www.rbcgam.com\/en\/ca\/\" target=\"_blank\" rel=\"noopener\"><i>RBC Gestion mondiale d&rsquo;actifs<\/i><\/a><i>.<\/i><\/p>\n\n\n\n<p>Nous esp\u00e9rons tous prendre notre retraite avec suffisamment d&rsquo;argent pour qu&rsquo;elle soit confortable et agr\u00e9able. Pour certains, cela peut consister \u00e0 passer l&rsquo;hiver au soleil ; pour d&rsquo;autres, \u00e0 passer plus de temps en famille. C&rsquo;est vous qui choisissez comment vous passerez votre retraite. Mais la question est de savoir comment \u00e9pargner suffisamment pour prendre une retraite confortable comme vous l&rsquo;entendez. En bref, la r\u00e9ponse est : la constance.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00c9tablissez le r\u00e9gime et n&rsquo;y pensez plus<\/h2>\n\n\n\n<p>Un r\u00e9gime de placements p\u00e9riodiques vous permet de choisir le moment, la fr\u00e9quence et le montant des cotisations \u00e0 vos placements tout au long de l&rsquo;ann\u00e9e. Ainsi, vos objectifs d&rsquo;\u00e9pargne demeurent une priorit\u00e9 toute l&rsquo;ann\u00e9e, et non seulement pendant certaines p\u00e9riodes, comme la date limite de cotisation annuelle \u00e0 un REER, qui entra\u00eene une avalanche de transferts de derni\u00e8re minute. L&rsquo;\u00e9tablissement d&rsquo;un r\u00e9gime \u00e0 cotisations pr\u00e9autoris\u00e9es, ou CPA, vous permet <a href=\"https:\/\/decouverte.rbcbanqueroyale.com\/ce-que-veut-vraiment-dire-se-payer-en-premier\/\" target=\"_blank\" rel=\"noopener\">d&rsquo;automatiser vos placements<\/a> afin que vous n&rsquo;ayez pas \u00e0 y penser r\u00e9guli\u00e8rement. Les cotisations fr\u00e9quentes de votre r\u00e9gime \u00e0 CPA peuvent vraiment s&rsquo;additionner. En particulier, si vous augmentez progressivement le montant de vos cotisations chaque ann\u00e9e.<\/p>\n\n\n\n<p>Voyons cela plus en d\u00e9tail et examinons comment les diff\u00e9rents choix que font les investisseurs modifient la valeur du patrimoine qui s&rsquo;accumule au fil du temps.<\/p>\n\n\n\n<p>Voici trois investisseurs hypoth\u00e9tiques qui investissent sur les march\u00e9s \u00e0 la fin de chaque mois. Ils ont tous commenc\u00e9 un r\u00e9gime \u00e0 CPA en janvier 1990 et chaque investisseur a adopt\u00e9 une approche diff\u00e9rente.<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>L\u2019<strong>investisseur 1<\/strong>&nbsp;investit 250 $ par mois et augmente ce montant de 250 $ tous les cinq ans.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>L\u2019<strong>investisseur 2<\/strong>&nbsp;investit 250 $ par mois et augmente ce montant de 250 $ tous les cinq ans jusqu\u2019\u00e0 l\u2019atteinte d\u2019une cotisation mensuelle de 1 000 $.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>L\u2019<strong>investisseur 3<\/strong>&nbsp;investit 250 $ par mois, mais d\u00e9cide de ne pas augmenter ses cotisations tout au long de la p\u00e9riode.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" height=\"491\" width=\"1024\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/FRthe_power_of_investing_chart_title-1.png?w=1024\" alt=\"Power of investing\" class=\"wp-image-22737\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/FRthe_power_of_investing_chart_title-1.png 2088w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/FRthe_power_of_investing_chart_title-1-300x144.png 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/FRthe_power_of_investing_chart_title-1-1024x491.png 1024w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/FRthe_power_of_investing_chart_title-1-768x368.png 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/FRthe_power_of_investing_chart_title-1-1536x736.png 1536w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/FRthe_power_of_investing_chart_title-1-2048x982.png 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>Sources : RBC GMA et Morningstar. Rendement fond\u00e9 sur des placements hypoth\u00e9tiques dans l&rsquo;indice de rendement global S&amp;P 500 ($ US) P\u00e9riode allant du 1<sup>er<\/sup>janvier 1990 au 30 juin 2023. L&rsquo;investisseur 1 investit 250 $ par mois et augmente ce montant de 250 $ tous les cinq ans. L&rsquo;investisseur 2 investit 250 $ par mois et augmente ce montant de 250 $ tous les cinq ans jusqu&rsquo;\u00e0 l&rsquo;atteinte d&rsquo;une cotisation mensuelle de 1 000 $. L&rsquo;investisseur 3 investit 250 $ par mois. Le graphique ne tient pas compte des frais li\u00e9s aux op\u00e9rations, des frais de gestion et des taxes ou imp\u00f4ts. Si ces co\u00fbts et ces frais \u00e9taient pris en compte, les rendements seraient plus bas. Les rendements ant\u00e9rieurs ne sont pas garants des r\u00e9sultats futurs. Il est impossible d&rsquo;investir directement dans un indice.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Principaux points \u00e0 retenir pour les investisseurs<\/h2>\n\n\n\n<p>Si votre revenu augmente plus que vos d\u00e9penses, investir l&rsquo;\u00e9pargne suppl\u00e9mentaire peut accro\u00eetre votre patrimoine au fil du temps.<\/p>\n\n\n\n<p>Au cours de cette p\u00e9riode, le march\u00e9 a connu de nombreuses difficult\u00e9s, notamment, de l&rsquo;instabilit\u00e9 g\u00e9opolitique, la crise financi\u00e8re mondiale de 2008 et des fluctuations de taux d&rsquo;int\u00e9r\u00eat. Pourtant, en fin de compte, la constance est profitable, surtout pour l&rsquo;investisseur 1.<\/p>\n\n\n\n<p>Tous ces investisseurs ont investi r\u00e9guli\u00e8rement, mais il est aussi important d&rsquo;accro\u00eetre votre \u00e9pargne chaque fois que c&rsquo;est possible pour continuer de constituer votre base d&rsquo;actifs.<\/p>\n\n\n\n<p>M\u00eame si les r\u00e9sultats ont vari\u00e9 dans les exemples ci-dessus, ils ont tous respect\u00e9 leur plan de placement. Cette constance est l&rsquo;une des cl\u00e9s du succ\u00e8s. Bien que les impr\u00e9vus de la vie soient in\u00e9vitables et qu&rsquo;il faille parfois modifier les plans financiers pour r\u00e9pondre \u00e0 des besoins changeants, en respectant un calendrier et en augmentant de fa\u00e7on graduelle vos cotisations, vous accroissez vos chances d&rsquo;atteindre vos objectifs de retraite \u00e0 long terme.<\/p>\n\n\n\n<p>Comme l&rsquo;a dit un jour Warren Buffet : \u00ab Aujourd&rsquo;hui, quelqu&rsquo;un est assis \u00e0 l&rsquo;ombre d&rsquo;un arbre, parce que quelqu&rsquo;un l&rsquo;a jadis plant\u00e9. \u00bb<\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse53eb49cb\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse53eb49cb\" data-dig-id=\"LP-22734-53eb49cb\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"D\u00e9nis de responsabilit\u00e9\"><div>D\u00e9nis de responsabilit\u00e9<\/div><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse53eb49cb\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>Les conseils en placement sont fournis par Fonds d\u2019investissement Royal Inc. (FIRI). FIRI, RBC Gestion mondiale d\u2019actifs Inc., Banque Royale du Canada, Soci\u00e9t\u00e9 Trust Royal du Canada et Compagnie Trust Royal sont des entit\u00e9s juridiques distinctes et affili\u00e9es. FIRI est inscrite au Qu\u00e9bec en tant que cabinet de services financiers.<\/p>\n<\/div>\n<\/div><\/div>\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=Comment \u00e9pargner suffisamment pour une retraite confortable ? &#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\/investisseur-inspire\/idees-et-motivation\/comment-epargner-suffisamment-pour-une-retraite-confortable\/\">\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\/investisseur-inspire\/idees-et-motivation\/comment-epargner-suffisamment-pour-une-retraite-confortable\/\">\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-c4f45b80-d194-4e5c-81a2-6b326ee4cce1\" 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\/epargne\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">\u00c9pargne<\/a>\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\/2025\/01\/How-TFSA-work-shutterstock_2382160079.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Une jeune femme plong\u00e9e dans ses pens\u00e9es\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/How-TFSA-work-shutterstock_2382160079.jpg 8640w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/How-TFSA-work-shutterstock_2382160079.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/How-TFSA-work-shutterstock_2382160079.jpg?resize=768,512 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/How-TFSA-work-shutterstock_2382160079.jpg?resize=1024,683 1024w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/How-TFSA-work-shutterstock_2382160079.jpg?resize=1536,1024 1536w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/How-TFSA-work-shutterstock_2382160079.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 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retraite.<\/p>\n","protected":false},"author":10,"featured_media":22736,"parent":7088,"menu_order":0,"template":"","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"tags":[124,313],"rbc_content_type":[121],"rbc_audience":[150],"rbc_lob_group":[140],"rbc_difficulty_level":[123],"rbc_mmm_category":[264,169],"class_list":["post-22734","rbc_my_money_matter","type-rbc_my_money_matter","status-publish","has-post-thumbnail","hentry","tag-epargne","tag-retraite","rbc_content_type-article","rbc_audience-aines","rbc_lob_group-placements","rbc_difficulty_level-beginner","rbc_mmm_category-idees-et-motivation","rbc_mmm_category-investisseur-inspire"],"acf":{"contently_publication_id":"368455","custom_author":"l'\u00e9quipe Investisseur inspir\u00e9","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 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