{"id":6926,"date":"2022-11-09T00:00:00","date_gmt":"2022-11-09T00:00:00","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/retraite\/planification-de-la-retraite\/comment-un-retraite-a-planifie-son-deuxieme-acte-sans-stress\/"},"modified":"2024-02-20T16:58:41","modified_gmt":"2024-02-20T16:58:41","slug":"comment-un-retraite-a-planifie-son-deuxieme-acte-sans-stress","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/investisseur-inspire\/idees-et-motivation\/comment-un-retraite-a-planifie-son-deuxieme-acte-sans-stress\/","title":{"rendered":"Comment un retrait\u00e9 a planifi\u00e9 son deuxi\u00e8me acte sans stress"},"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\/epargne\/\">\n\t\t\t\t\t\t\t<span>\u00c9pargne<\/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 un retrait\u00e9 a planifi\u00e9 son deuxi\u00e8me acte sans stress<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By Owen Guo<\/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-2022-11-03T134945.404.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"Wayne Oudjin au parc Guelph \u00e0 Vancouver, en Colombie-Britannique, en ao\u00fbt 2019.\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TD-2022-11-03T134945.404.jpg 930w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TD-2022-11-03T134945.404.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TD-2022-11-03T134945.404.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 un retrait\u00e9 a planifi\u00e9 son deuxi\u00e8me acte sans stress &#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-un-retraite-a-planifie-son-deuxieme-acte-sans-stress\/\">\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-un-retraite-a-planifie-son-deuxieme-acte-sans-stress\/\">\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 9 novembre 2022 \u2022 6 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 vie \u00e0 la retraite n&rsquo;est pas tout \u00e0 fait ce que M. Oudijn pr\u00e9voyait.<\/p>\n\n\n\n<p>\u00c0 66 ans, il commence ses journ\u00e9es par un double latt\u00e9 et un jeu de devinettes quotidien, Wordle, qui a fait une entr\u00e9e fracassante sur Internet au d\u00e9but de l&rsquo;ann\u00e9e. Puis il se met en route. Au moins une fois par semaine, il fait du v\u00e9lo le long des sentiers sinueux de Vancouver. Il aime r\u00e9nover les maisons et lit avec avidit\u00e9. Et, en raison de la pand\u00e9mie, lui et sa femme sont devenus des passionn\u00e9s de jardinage.<\/p>\n\n\n\n<p>\u00ab Je pensais que j&rsquo;allais me reposer \u00e0 la retraite, mais je suis plus occup\u00e9 que jamais \u00bb, dit M. Oudijn, ajoutant que la retraite lui a donn\u00e9 plus de souplesse pour passer du temps avec sa famille et ses amis.<\/p>\n\n\n\n<p>Pourtant, selon M. Oudijn, son d\u00e9part \u00e0 la retraite il y a huit ans semble presque comme si c&rsquo;\u00e9tait hier.<\/p>\n\n\n\n<p>\u00ab Facebook vous montre des photos prises dix ans avant, mais vous avez l&rsquo;impression qu&rsquo;elles ne datent que de quelques ann\u00e9es. En vieillissant, le temps passe si vite \u00bb, d\u00e9clare-t-il.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Une planificatrice tout au long de la vie<\/h2>\n\n\n\n<p>La pr\u00e9paration \u00e0 la retraite a commenc\u00e9 t\u00f4t pour M. Oudijn, un ing\u00e9nieur de formation qui a dirig\u00e9 la pr\u00e9vention des risques d&rsquo;incendie<b> <\/b>pour le service d&rsquo;incendie de Vancouver pendant plus de trois d\u00e9cennies.<\/p>\n\n\n\n<p>Peu apr\u00e8s la fin de ses \u00e9tudes universitaires, il a achet\u00e9 une maison avec l&rsquo;aide de ses parents. Il a ensuite pass\u00e9 les ann\u00e9es suivantes \u00e0 rembourser le pr\u00eat hypoth\u00e9caire. \u00ab Nous voulions nous assurer de ne pas avoir de dettes \u00bb, explique-t-il. Il a aussi maximis\u00e9 les cotisations annuelles \u00e0 son compte d&rsquo;\u00e9pargne libre d&rsquo;imp\u00f4t (CELI) et \u00e0 son r\u00e9gime enregistr\u00e9 d&rsquo;\u00e9pargne-retraite (REER).<\/p>\n\n\n\n<p>M. Oudijn a demand\u00e9 l&rsquo;aide d&rsquo;une planificatrice financi\u00e8re de RBC pour g\u00e9rer ses finances. La relation a commenc\u00e9 il y a plusieurs d\u00e9cennies, lorsque la m\u00eame conseill\u00e8re, Rebecca, travaillait avec son beau-p\u00e8re. \u00ab Mon beau-p\u00e8re \u00e9tait apiculteur et il apportait parfois du miel \u00e0 Rebecca \u00bb, raconte M. Oudijn.<\/p>\n\n\n\n<p>Cette relation chaleureuse s&rsquo;est poursuivie.<\/p>\n\n\n\n<p>Avant la pand\u00e9mie, Rebecca rendait souvent visite \u00e0 M. Oudijn en personne, avec son ordinateur portable en main. Autour d&rsquo;un verre ou d&rsquo;une collation au domicile de ce dernier, elle parcourait des documents pour aider M. Oudijn \u00e0 \u00e9valuer sa tol\u00e9rance au risque et \u00e0 mettre \u00e0 jour son portefeuille de placements. Parfois, ils se racontaient des blagues. Ils connaissent bien chacun les membres de la famille de l&rsquo;autre. En cas de besoin, il suffit de donner un coup de fil ou d&rsquo;envoyer un courriel \u00e0 Rebecca. \u00ab J&rsquo;esp\u00e8re qu&rsquo;elle ne prendra jamais sa retraite \u00bb, d\u00e9clare M. Oudijn.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Finances \u00e0 la retraite<\/h3>\n\n\n\n<p>Alors que les m\u00e9nages sont menac\u00e9s par la flamb\u00e9e de l&rsquo;inflation, M. Oudijn s&rsquo;estime chanceux que ses finances soient en relativement bonne sant\u00e9. \u00ab Mes finances sont en s\u00e9curit\u00e9 \u00bb, dit-il. Il y a quelques ann\u00e9es, il a pu r\u00e9nover le sous-sol de sa maison, ajoutant des rev\u00eatements de sol en bois franc et donnant \u00e0 la cuisine des comptoirs en pierre. La location serait toujours possible, selon M. Oudijn.<\/p>\n\n\n\n<p>Il continue de surveiller de pr\u00e8s l&rsquo;utilisation de son argent. \u00ab Je garde toujours la feuille de calcul que j&rsquo;ai cr\u00e9\u00e9e il y a 20 ans. Je suis mes d\u00e9penses et calcule le total courant de mon compte bancaire \u00bb, explique M. Oudijn.<\/p>\n\n\n\n<p>Il a constat\u00e9 que ses d\u00e9penses quotidiennes ont diminu\u00e9 depuis sa retraite. \u00ab Nous ne voyageons pas et ne fr\u00e9quentons pas autant les restaurants \u00bb, affirme-t-il, en pr\u00e9cisant qu&rsquo;il a commenc\u00e9 \u00e0 cuisiner davantage depuis la pand\u00e9mie.<\/p>\n\n\n\n<p>Son \u00e9pargne a d\u00e9pass\u00e9 ses pr\u00e9visions, ce qui lui a permis de pr\u00e9commander une nouvelle voiture au d\u00e9but de l&rsquo;ann\u00e9e. \u00ab J&rsquo;ai pu mettre de c\u00f4t\u00e9 une certaine somme chaque mois. Quand la voiture arrive, je suis s\u00fbr que je peux l&rsquo;acheter directement \u00bb, dit-il. M. Oudijn a aussi \u00e9t\u00e9 en mesure d&rsquo;aider son fils \u00e0 acheter sa premi\u00e8re maison.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Planification interg\u00e9n\u00e9rationnelle<\/h4>\n\n\n\n<p>Selon M. Oudijn, il n&rsquo;est jamais trop t\u00f4t pour commencer \u00e0 planifier en vue de la retraite.<\/p>\n\n\n\n<p>\u00ab Vous vieillissez avant de vous en rendre compte. On m&rsquo;a dit cela quand j&rsquo;\u00e9tais enfant, mais je ne le croyais pas vraiment. Et je ne sais pas comment faire comprendre cette id\u00e9e aux gens \u00bb, d\u00e9clare-t-il.<\/p>\n\n\n\n<p>\u00c0 cette fin, Rebecca assiste \u00e9galement le fils de M. Oudijn, un ing\u00e9nieur de 32 ans qui vient d&rsquo;acheter une maison en rang\u00e9e. De la planification du pr\u00eat hypoth\u00e9caire aux strat\u00e9gies de placement, en passant par la budg\u00e9tisation, elle ne se limite pas \u00e0 donner des conseils, affirme M. Oudijn. Son fils apprend la discipline et la planification financi\u00e8re tout en construisant son patrimoine.<\/p>\n\n\n\n<p>\u00ab En tant qu&rsquo;ing\u00e9nieur, il d\u00e9bute tout juste sa carri\u00e8re et dispose de bonnes capacit\u00e9s de revenu, mais il est important de se pr\u00e9parer \u00e0 la planification financi\u00e8re d\u00e8s le d\u00e9but \u00bb, explique M. Oudijn.<\/p>\n\n\n\n<p>Il essaie donc d&rsquo;expliquer \u00e0 son fils que la cl\u00e9 d&rsquo;un avenir confortable r\u00e9side dans la mise en place d&rsquo;un plan. \u00ab Je lui dis que l&rsquo;on n&rsquo;est pas oblig\u00e9 d&rsquo;\u00e9viter de s&rsquo;amuser ou de prendre des vacances, mais que le plan d&rsquo;amusement doit faire partie de la planification financi\u00e8re. Et il est important de savoir o\u00f9 va son argent \u00bb, ajoute-t-il. \u00ab Je n&rsquo;attendais pas la retraite avec impatience, mais j&rsquo;ai toujours eu un plan. \u00bb<\/p>\n\n\n\n<p>D\u00e9ni de responsabilit\u00e9 :<\/p>\n\n\n\n<p>\u00ab Les services de planification financi\u00e8re et les conseils en placement sont offerts par Fonds d&rsquo;investissement Royal Inc. (FIRI). FIRI, RBC Gestion mondiale d&rsquo;actifs 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 inscrit au Qu\u00e9bec en tant que cabinet de services financiers. \u00bb<\/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-6926-942faa40\" 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\t\n\t<div class=\"wp-block-tk-spacer id-f89317b5-70ef-4fbb-b226-34a0e890138e\" aria-hidden=\"true\"><\/div>\n\t\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 un retrait\u00e9 a planifi\u00e9 son deuxi\u00e8me acte sans stress &#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-un-retraite-a-planifie-son-deuxieme-acte-sans-stress\/\">\n   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\t\t<\/div>\n\n\t\t\n\n\t\n\t<div class=\"wp-block-tk-spacer id-fcd4a0f2-df14-4a99-b2f8-1913ab24d0fd\" 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\/protection-du-patrimoine\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Protection du patrimoine<\/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 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