{"id":6925,"date":"2022-11-08T00:00:00","date_gmt":"2022-11-08T00:00:00","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/economie-101\/economie-pour-les-debutants\/les-avantages-des-strategies-de-placement-a-long-terme\/"},"modified":"2024-03-01T18:26:43","modified_gmt":"2024-03-01T18:26:43","slug":"les-avantages-des-strategies-de-placement-a-long-terme","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/investisseur-inspire\/academie-des-placements\/les-avantages-des-strategies-de-placement-a-long-terme\/","title":{"rendered":"Les avantages des strat\u00e9gies de placement \u00e0 long terme"},"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\/actions\/\">\n\t\t\t\t\t\t\t<span>Actions<\/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 avantages des strat\u00e9gies de placement \u00e0 long terme<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By RBC Gestion mondiale d&#039;actifs<\/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\/TD-2022-11-07T152602.854.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"Illustration d&#039;un signe de dollar sur un bureau.\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TD-2022-11-07T152602.854.jpg 930w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TD-2022-11-07T152602.854.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TD-2022-11-07T152602.854.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 avantages des strat\u00e9gies de placement \u00e0 long terme &#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\/les-avantages-des-strategies-de-placement-a-long-terme\/\">\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\/les-avantages-des-strategies-de-placement-a-long-terme\/\">\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 8 novembre 2022 \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><em>Cet article a \u00e9t\u00e9 initialement publi\u00e9 dans le <a href=\"https:\/\/www.rbcgam.com\/documents\/fr\/other\/silver-linings-for-long-term-investors-f.pdf\" target=\"_blank\" rel=\"noopener\"><em>RBC Gestion mondiale d&rsquo;actifs<\/em><\/a>.<\/em><\/p>\n\n\n\n<p>Les actions et les obligations ayant fortement chut\u00e9, l&rsquo;ann\u00e9e 2022 a \u00e9t\u00e9 difficile pour les investisseurs. Dans le cas notamment des actions, de nombreuses r\u00e9gions sont pass\u00e9es en territoire baissier, en raison d&rsquo;un recul de plus de 20 % par rapport \u00e0 leurs sommets.<\/p>\n\n\n\n<p>Sans grande surprise, les replis du march\u00e9 cette ann\u00e9e ont min\u00e9 la confiance des investisseurs. Selon un sondage men\u00e9 r\u00e9cemment aux \u00c9tats-Unis, les seules fois o\u00f9 les investisseurs ont \u00e9t\u00e9 aussi pessimistes et inquiets \u00e9taient en octobre 1990 et en mars 2009<sup>1<\/sup>. Fait int\u00e9ressant, dans les deux cas, le march\u00e9 boursier am\u00e9ricain a atteint un plancher \u00e0 la suite d&rsquo;un d\u00e9clin marqu\u00e9. Il a ensuite repris le terrain perdu au cours des mois et des ann\u00e9es qui ont suivi.<\/p>\n\n\n\n<p>Les replis importants sont extr\u00eamement p\u00e9nibles pour les investisseurs et suscitent bien des \u00e9motions, m\u00eame si les pertes ne sont pas tangibles. L&rsquo;incertitude consid\u00e9rable qui entoure les perspectives d&rsquo;avenir n&rsquo;aide pas les choses. Des interrogations subsistent quant \u00e0 l&rsquo;\u00e9conomie, aux taux d&rsquo;int\u00e9r\u00eat et \u00e0 l&rsquo;inflation. Dans ce contexte, certains investisseurs se demandent s&rsquo;il est pr\u00e9f\u00e9rable de se retirer des march\u00e9s. Neuf mois apr\u00e8s le d\u00e9but de l&rsquo;ann\u00e9e 2022, les march\u00e9s \u00e9taient en baisse de pr\u00e8s de 24 %. D&rsquo;o\u00f9 la question que voici :<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">L&rsquo;abandon des actions apr\u00e8s de fortes baisses s&rsquo;est-il r\u00e9v\u00e9l\u00e9 une strat\u00e9gie avantageuse pour les investisseurs \u00e0 long terme dans le pass\u00e9 ?<\/h2>\n\n\n\n<p>D&rsquo;un point de vue historique, cela n&rsquo;a manifestement pas \u00e9t\u00e9 le cas. En revanche, les p\u00e9riodes de repli consid\u00e9rable ont offert aux investisseurs \u00e0 long terme des points d&rsquo;entr\u00e9e attrayants et de meilleurs rendements \u00e0 long terme. \u00c0 titre d&rsquo;exemple, examinons 14 autres p\u00e9riodes semblables, soit les 15 pires p\u00e9riodes de neuf mois de l&rsquo;indice S&amp;P 500 depuis 1970. Le tableau ci-dessous pr\u00e9sente la croissance d&rsquo;un placement 10 000 $ dans l&rsquo;indice S&amp;P 500 \u00e0 la fin de chacune de ces p\u00e9riodes de neuf mois apr\u00e8s un an, trois ans, cinq ans et dix ans.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Chart_1-F.jpg\" alt=\"Un graphique montrant les rendements du S &amp; P Forward apr\u00e8s les pires p\u00e9riodes de 9 mois jamais enregistr\u00e9es.\" class=\"wp-image-17460\" \/><\/figure>\n\n\n\n<p><i>Sources : Morningstar Direct et RBC GMA. Au 30 septembre 2022. Les rendements sont ceux de l&rsquo;indice S&amp;P 500 Total Return, en dollars am\u00e9ricains. Ce tableau ne tient compte ni des frais d&rsquo;op\u00e9ration, ni des frais de gestion des placements ni des taxes et imp\u00f4ts. Si ces co\u00fbts et ces frais \u00e9taient pris en compte, les rendements seraient plus bas. Il est impossible d&rsquo;investir directement dans un indice.<\/i><\/p>\n\n\n\n<p><strong>Points saillants<\/strong><\/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>Les neuf premiers mois de 2022 se classent au 14e rang des pires p\u00e9riodes de neuf mois pour les actions am\u00e9ricaines.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Nous ne savons pas encore quelle direction prendront d\u00e9sormais les march\u00e9s. Cependant, les actions am\u00e9ricaines ont enregistr\u00e9 des rendements extr\u00eamement solides apr\u00e8s ces autres mauvaises p\u00e9riodes de neuf mois. La valeur moyenne sur cinq ans est de 22 033 $ (rendement cumulatif de 120 %). La valeur moyenne sur dix ans est de 37 701 $ (rendement cumulatif de 277 %).<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>Comment les rendements spectaculaires indiqu\u00e9s dans le tableau ci-dessus se comparent-ils aux rendements moyens historiques des march\u00e9s ? Comme on peut le constater dans le graphique ci-dessous, les pires p\u00e9riodes de baisse sur neuf mois ont toujours \u00e9t\u00e9 suivies par des rendements sup\u00e9rieurs \u00e0 la moyenne.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Chart_2-F.png\" alt=\"Un graphique montrant la croissance de 10 000 $ apr\u00e8s les retraits par rapport \u00e0 toutes les p\u00e9riodes.\" class=\"wp-image-17461\" \/><\/figure>\n\n\n\n<p><i>Sources : Morningstar Direct et RBC GMA. Donn\u00e9es de janvier 1970 \u00e0 septembre 2022. Les rendements sont ceux de l&rsquo;indice S&amp;P 500 Total Return, en dollars am\u00e9ricains. Comparaison des rendements cumulatifs moyens enregistr\u00e9s apr\u00e8s les pires baisses sur neuf mois (selon le tableau ci-dessus) aux rendements cumulatifs moyens pour toutes les p\u00e9riodes entre 1970 et 2022. Les montants indiqu\u00e9s au-dessus des barres lat\u00e9rales repr\u00e9sentent la croissance d&rsquo;un placement de 10 000 $ fond\u00e9e sur ces rendements cumulatifs. Ce graphique ne tient compte ni des frais d&rsquo;op\u00e9ration, ni des frais de gestion des placements ni des taxes et imp\u00f4ts. Si ces co\u00fbts et ces frais \u00e9taient pris en compte, les rendements seraient plus bas. Il est impossible d&rsquo;investir directement dans un indice.<\/i><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Am\u00e9lioration du potentiel de rendement \u00e0 long terme<\/h3>\n\n\n\n<p>Il est possible que les actions continuent de baisser \u00e0 court terme, particuli\u00e8rement dans le contexte actuel d&rsquo;incertitudes aliment\u00e9es par la hausse de l&rsquo;inflation, des taux d&rsquo;int\u00e9r\u00eat, du risque de r\u00e9cession et plus encore. Une vision \u00e0 long terme est essentielle. Il importe aussi de se rappeler que les plans financiers sont \u00e9labor\u00e9s en tenant compte de p\u00e9riodes difficiles comme 2022. Malgr\u00e9 le d\u00e9clin des march\u00e9s depuis le d\u00e9but de l&rsquo;ann\u00e9e, les investisseurs peuvent trouver une lueur d&rsquo;espoir dans le potentiel de rendement \u00e0 long terme, quelle que soit l&rsquo;\u00e9volution du march\u00e9 \u00e0 court terme.<\/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 avantages des strat\u00e9gies de placement \u00e0 long terme &#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\/les-avantages-des-strategies-de-placement-a-long-terme\/\">\n        <img decoding=\"async\" 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class=\"wp-block-tk-spacer id-e989e46e-9e9d-4749-a44a-069c3d66dc96\" 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\/actions\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Actions<\/a>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/sujets\/fnb\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">FNB<\/a>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/sujets\/fonds-communs-de-placement\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Fonds communs de placement<\/a>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/sujets\/idees-et-perspectives\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Id\u00e9es et perspectives<\/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=\"930\" height=\"620\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TDD-2.jpg?quality=80&amp;w=930\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Jeune homme utilisant un ordinateur portable \u00e0 un bureau et regardant un calendrier.\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TDD-2.jpg 930w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TDD-2.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TDD-2.jpg?resize=768,512 768w\" sizes=\"auto, (max-width: 930px) 100vw, 930px\" \/>\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\/investisseur-inspire\/academie-des-placements\/\">\n\t\t\t\t\t\tAcad\u00e9mie des placements\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\/investisseur-inspire\/academie-des-placements\/planification-reer-de-derniere-minute-date-limite-plafonds-et-plus\/\" class=\"card-title h4 mar-t-0\">Guide des plafonds et des d\u00e9lais de cotisation \u00e0 un REER<\/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\/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 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https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/2025-financial-roadmap-shutterstock_2375988879.jpg?resize=300,197 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/2025-financial-roadmap-shutterstock_2375988879.jpg?resize=768,505 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/2025-financial-roadmap-shutterstock_2375988879.jpg?resize=1024,673 1024w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/2025-financial-roadmap-shutterstock_2375988879.jpg?resize=1536,1009 1536w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/2025-financial-roadmap-shutterstock_2375988879.jpg?resize=2048,1345 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 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