Le r\u00e9gime de retraite comprend \u00e0 la fois des r\u00e9gimes priv\u00e9s facultatifs et des r\u00e9gimes publics obligatoires. <\/p>\n\n\n\n
Les r\u00e9gimes priv\u00e9s de retraite sont financ\u00e9s sur un syst\u00e8me de capitalisation. Vous trouverez deux grandes cat\u00e9gories de r\u00e9gimes priv\u00e9s de retraite, le r\u00e9gime \u00e0 prestations d\u00e9termin\u00e9es (on connait les prestations au terme) et le r\u00e9gime \u00e0 cotisation d\u00e9termin\u00e9e (on connait les cotisations d\u00e8s le d\u00e9part).<\/p>\n\n\n\n
Pour cela vous pouvez b\u00e9n\u00e9ficier du fonds de pension de votre compagnie.<\/p>\n\n\n\n
Mais vous pouvez aussi cotiser sur des produits de placements retraite tels que RPA, le R\u00e9gime \u00e0 cotisation d\u00e9termin\u00e9e, les R\u00e9gimes \u00e0 prestations d\u00e9termin\u00e9es, le R\u00e9gime enregistr\u00e9 d\u2019\u00e9pargne-retraite (REER), le R\u00e9gime de participation diff\u00e9r\u00e9e aux b\u00e9n\u00e9fices (RPDB) et le Compte d\u2019\u00e9pargne libre d\u2019imp\u00f4t (CELI). Votre futur conseiller pourra vous guider en fonction de votre situation. Il est fortement conseill\u00e9 de pr\u00e9parer sa retraite et ne pas compter que sur les r\u00e9gimes obligatoires.<\/p>\n\n\n\n
Pour les r\u00e9gimes publics, le gouvernement ajuste le taux de cotisation en fonction des contraintes socio-\u00e9conomiques et de la solidarit\u00e9 entre les g\u00e9n\u00e9rations. Le syst\u00e8me de retraite public est compos\u00e9 d\u2019une rente des r\u00e9gimes publics, de la s\u00e9curit\u00e9 de la vieillesse, du r\u00e9gime de pension du Canada, et du r\u00e9gime de rentes du Qu\u00e9bec.<\/p>\n\n\n\n
Ainsi au Qu\u00e9bec la retraite se prend \u00e0 65 ans pour b\u00e9n\u00e9ficier de la totalit\u00e9 des prestations financi\u00e8res. Vous avez toutefois la possibilit\u00e9 de prendre votre retraite \u00e0 partir de 60 ans, mais vous ne toucherez qu\u2019une partie de vos pensions. Et ne pensez pas pouvoir prendre la retraite avant 60 ans car aucune prestation ne peut \u00eatre vers\u00e9e avant cet \u00e2ge.<\/p>\n\n\n\n
En plus des crit\u00e8res d\u2019\u00e2ges pour pouvoir b\u00e9n\u00e9ficier des pensions de retraites, vous devez avoir v\u00e9cu au moins 10 ans au Canada depuis vos 18 ans.<\/p>\n\n\n\n
Une entente entre la France et le Qu\u00e9bec a \u00e9t\u00e9 sign\u00e9e afin de prendre en compte vos cotisations et vos droits \u00e0 la retraite. C\u2019est la raison pour laquelle il faut penser \u00e0 prendre vos documents de retraite en venant au Qu\u00e9bec.<\/p>\n","protected":false},"excerpt":{"rendered":"
Le r\u00e9gime de retraite comprend \u00e0 la fois des r\u00e9gimes priv\u00e9s facultatifs et des r\u00e9gimes publics obligatoires. Les r\u00e9gimes priv\u00e9s de retraite sont financ\u00e9s sur un syst\u00e8me de capitalisation. Vous […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"_jf_save_progress":"","_jet_sm_ready_style":"","_jet_sm_style":"","_jet_sm_controls_values":"","_jet_sm_fonts_collection":"","_jet_sm_fonts_links":"","footnotes":""},"categories":[23,7,15],"tags":[],"_links":{"self":[{"href":"https:\/\/directdemenagement.com\/wp-json\/wp\/v2\/posts\/1256"}],"collection":[{"href":"https:\/\/directdemenagement.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/directdemenagement.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/directdemenagement.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/directdemenagement.com\/wp-json\/wp\/v2\/comments?post=1256"}],"version-history":[{"count":1,"href":"https:\/\/directdemenagement.com\/wp-json\/wp\/v2\/posts\/1256\/revisions"}],"predecessor-version":[{"id":1257,"href":"https:\/\/directdemenagement.com\/wp-json\/wp\/v2\/posts\/1256\/revisions\/1257"}],"wp:attachment":[{"href":"https:\/\/directdemenagement.com\/wp-json\/wp\/v2\/media?parent=1256"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/directdemenagement.com\/wp-json\/wp\/v2\/categories?post=1256"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/directdemenagement.com\/wp-json\/wp\/v2\/tags?post=1256"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}