{"id":6826,"date":"2021-12-23T00:00:00","date_gmt":"2021-12-23T00:00:00","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/endettement-et-reduction-du-stress\/evenements-imprevus\/gestion-du-stress-financier\/lecons-a-tirer-du-mouvement-independance-financiere-et-retraite-anticipee\/"},"modified":"2024-02-28T16:46:06","modified_gmt":"2024-02-28T16:46:06","slug":"lecons-a-tirer-du-mouvement-independance-financiere-et-retraite-anticipee","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/investisseur-inspire\/academie-des-placements\/lecons-a-tirer-du-mouvement-independance-financiere-et-retraite-anticipee\/","title":{"rendered":"Le\u00e7ons \u00e0 tirer du mouvement Ind\u00e9pendance financi\u00e8re et retraite anticip\u00e9e"},"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\/reer\/\">\n\t\t\t\t\t\t\t<span>REER<\/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\">Le\u00e7ons \u00e0 tirer du mouvement Ind\u00e9pendance financi\u00e8re et retraite anticip\u00e9e<\/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=\"740\" height=\"460\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Thumbnail-feature-276.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"Couple assis sur le canap\u00e9 avec leur chien\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Thumbnail-feature-276.jpg 740w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Thumbnail-feature-276.jpg?resize=300,186 300w\" sizes=\"auto, (max-width: 740px) 100vw, 740px\" \/>\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=Le\u00e7ons \u00e0 tirer du mouvement Ind\u00e9pendance financi\u00e8re et retraite anticip\u00e9e &#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\/academie-des-placements\/lecons-a-tirer-du-mouvement-independance-financiere-et-retraite-anticipee\/\">\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\/academie-des-placements\/lecons-a-tirer-du-mouvement-independance-financiere-et-retraite-anticipee\/\">\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 23 d\u00e9cembre 2021 \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>Le mouvement Ind\u00e9pendance financi\u00e8re et retraite anticip\u00e9e (connu en anglais sous le sigle FIRE = Financial Independence, Retire Early) a fait boule de neige au cours des derni\u00e8res ann\u00e9es. Les personnes qui adoptent cette philosophie \u00e9pargnent \u00e0 l&rsquo;extr\u00eame dans le but de prendre leur retraite dans la trentaine ou au d\u00e9but de la quarantaine.<\/p>\n\n\n\n<p>Bien que l&rsquo;id\u00e9e d&rsquo;une retraite h\u00e2tive puisse \u00eatre attrayante, il s&rsquo;agit d&rsquo;un objectif inatteignable pour la plupart des gens, en particulier pour les 40 ans ou plus.<\/p>\n\n\n\n<p>Selon Robert Stern, strat\u00e8ge et expert-conseil en planification de patrimoine \u00e0 RBC Gestion de patrimoine \u0096 \u00c9tats-Unis, le mod\u00e8le \u00ab vie frugale-\u00e9pargne intensive \u00bb du mouvement Ind\u00e9pendance financi\u00e8re et retraite anticip\u00e9e offre toutefois une strat\u00e9gie int\u00e9ressante aux investisseurs qui pr\u00e9parent leur retraite et voudraient appliquer les concepts du mouvement plus largement.<\/p>\n\n\n\n<p>\u00ab Les notions qui sous-tendent ce mouvement ne sont pas si diff\u00e9rentes de celles que nous expliquons \u00e0 nos clients. Il s&rsquo;agit vraiment des m\u00eames principes \u00bb, dit M. Stern.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Instauration d&rsquo;une discipline d&rsquo;\u00e9pargne<\/h2>\n\n\n\n<p>Les adeptes de ce mouvement \u00e9pargnent g\u00e9n\u00e9ralement plus de 50 % de leurs revenus \u0096 certains jusqu&rsquo;\u00e0 70 % voire 80 %. Matt Kassera, premier directeur, Planification de patrimoine, RBC Gestion de patrimoine \u0096 \u00c9tats-Unis, explique que ces personnes sont d\u00e9termin\u00e9es \u00e0 \u00e9pargner beaucoup d&rsquo;argent tr\u00e8s vite en r\u00e9duisant drastiquement leurs d\u00e9penses.<\/p>\n\n\n\n<p>S&rsquo;il n&rsquo;est pas donn\u00e9 \u00e0 tous les investisseurs d&rsquo;\u00e9pargner autant, M. Kassera croit cependant que tous sont en mesure d&rsquo;\u00e9tablir un plan d&rsquo;\u00e9pargne ferme et de s&rsquo;y tenir. Selon les revenus touch\u00e9s, cela pourrait signifier changer son mode de vie.<\/p>\n\n\n\n<p>\u00ab Le bon c\u00f4t\u00e9 du mouvement Ind\u00e9pendance financi\u00e8re et retraite anticip\u00e9e, c&rsquo;est qu&rsquo;il encourage l&rsquo;\u00e9pargne et une vie simple, mais satisfaisante \u00bb, souligne M. Kassera.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Maintien du train de vie<\/h2>\n\n\n\n<p>Le d\u00e9part anticip\u00e9 \u00e0 la retraite est l&rsquo;objectif ultime du mouvement. Que vous choisissiez la voie classique ou expresse vers la retraite, toutefois, vous devez avoir une id\u00e9e pr\u00e9cise du montant n\u00e9cessaire pour vivre une fois que vos revenus de travail auront cess\u00e9. Id\u00e9alement, on vise le maintien du mode de vie une fois \u00e0 la retraite, selon M. Stern.<\/p>\n\n\n\n<p>\u00ab D\u00e9terminez vos besoins et vos d\u00e9sirs, puis quantifiez ce dont vous avez besoin pour les satisfaire. Effectuez ensuite une mod\u00e9lisation pour voir si c&rsquo;est r\u00e9alisable \u00bb, explique-t-il.<\/p>\n\n\n\n<p>Vous pourriez, par exemple, vouloir r\u00e9nover votre propri\u00e9t\u00e9 ou voyager fr\u00e9quemment, ou simplement atteindre la s\u00e9curit\u00e9 financi\u00e8re permettant de vivre comme vous l&rsquo;entendez.<\/p>\n\n\n\n<p>Si votre objectif est de maximiser votre \u00e9pargne afin de pouvoir prendre votre retraite au plus t\u00f4t, il est important de d\u00e9terminer quelles d\u00e9penses sont essentielles et de quoi vous pourriez vous passer. M\u00eame si vous \u00eates dispos\u00e9 \u00e0 travailler et \u00e0 \u00e9pargner plus longtemps, toutefois, le fait de conna\u00eetre le montant dont vous aurez besoin pour le type de retraite voulu vous aidera \u00e0 \u00e9tablir votre plan d&rsquo;\u00e9pargne.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Une nouvelle r\u00e9alit\u00e9 : retour au travail apr\u00e8s un d\u00e9part \u00e0 la retraite<\/h2>\n\n\n\n<p>Selon M. Stern, la popularit\u00e9 du mouvement Ind\u00e9pendance financi\u00e8re et retraite anticip\u00e9e est en grande partie attribuable au changement de perception de la retraite et de l&rsquo;ind\u00e9pendance financi\u00e8re, en particulier au sein de la g\u00e9n\u00e9ration Y. \u00ab Auparavant, nous avions une conception \u00e0 deux vitesses de la retraite : travail actif suivi d&rsquo;un repos complet. \u00bb<\/p>\n\n\n\n<p>Maintenant, avec la croissance de l&rsquo;\u00e9conomie \u00e0 la demande et des possibilit\u00e9s de prolonger la vie active, la fronti\u00e8re entre le travail et la retraite s&rsquo;estompe. \u00ab Il se peut que vous preniez votre retraite \u00e0 50 ans, mais que vous offriez des services-conseils et travailliez \u00e0 temps partiel jusqu&rsquo;\u00e0 65 ans. Apr\u00e8s, vous voudrez peut-\u00eatre ralentir un peu ou cesser compl\u00e8tement de travailler \u00bb, dit-il.<\/p>\n\n\n\n<p>\u00c0 cette nouvelle r\u00e9alit\u00e9 du travail \u00e0 la retraite s&rsquo;ajoute un autre changement : la d\u00e9finition de l&rsquo;ind\u00e9pendance financi\u00e8re. Au dire de M. Kassera, l&rsquo;ind\u00e9pendance financi\u00e8re signifie maintenant \u00eatre assez \u00e0 l&rsquo;aise pour se permettre de faire ce qu&rsquo;il nous pla\u00eet et de vivre sans stress.<\/p>\n\n\n\n<p>Et, dans un monde id\u00e9al, de trouver un moyen de tirer un peu d&rsquo;argent de ces activit\u00e9s.<\/p>\n\n\n\n<p>Souvent, peu importe leur \u00e2ge, les retrait\u00e9s qui se sont r\u00e9alis\u00e9s dans leur carri\u00e8re ne veulent pas y mettre fin de mani\u00e8re d\u00e9finitive. S&rsquo;ils prolongent leur vie active, \u00e9pargnent assid\u00fbment et pratiquent la frugalit\u00e9, les investisseurs pourraient avoir davantage de chances d&rsquo;atteindre leurs objectifs de retraite.<\/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=Le\u00e7ons \u00e0 tirer du mouvement Ind\u00e9pendance financi\u00e8re et retraite anticip\u00e9e &#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\/academie-des-placements\/lecons-a-tirer-du-mouvement-independance-financiere-et-retraite-anticipee\/\">\n        <img decoding=\"async\" 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\t\t<\/div>\n\n\t\t\n\n\t\n\t<div class=\"wp-block-tk-spacer id-e6deda8d-21d7-444d-9a67-be585bb90df1\" 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\/reer\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">REER<\/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 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