{"id":2752,"date":"2016-02-24T14:45:03","date_gmt":"2016-02-24T14:45:03","guid":{"rendered":"https:\/\/newrmr.wpengine.com\/?p=2752"},"modified":"2023-11-09T16:04:23","modified_gmt":"2023-11-09T21:04:23","slug":"endettement-a-la-retraite-faits-causes-et-solutions","status":"publish","type":"post","link":"https:\/\/bagel.staging.agencealto.ca\/bagel\/endettement-a-la-retraite-faits-causes-et-solutions\/","title":{"rendered":"Endettement \u00e0 la retraite : faits, causes et solutions"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"2752\" class=\"elementor elementor-2752\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4eb15fbe elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4eb15fbe\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3feae963\" data-id=\"3feae963\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-193477d elementor-widget elementor-widget-text-editor\" data-id=\"193477d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h6>La retraite devrait \u00eatre une p\u00e9riode agr\u00e9able de la vie. Cependant, pour la population vieillissante du Canada, il peut s\u2019agir d\u2019une p\u00e9riode difficile\u00a0financi\u00e8rement ce qui provoque stress et anxi\u00e9t\u00e9. En effet, de nombreux a\u00een\u00e9s sont contraints de vivre avec des revenus consid\u00e9rablement r\u00e9duits, ainsi toute d\u00e9pense devient un fardeau.<\/h6><h3>Quelques faits sur l&rsquo;endettement \u00e0 la retraite<\/h3><p>Notons que le revenu des a\u00een\u00e9s provient essentiellement des r\u00e9gimes de pensions publics (PSV, RPC\/RRQ) et priv\u00e9s (placements, pensions et REER, revenus d\u2019emploi) ainsi que de leurs \u00e9conomies personnelles et de leurs placements. Aussi, selon les plus r\u00e9centes donn\u00e9es de Statistique Canada (2014), 48 % des retrait\u00e9s de 55 \u00e0 64 ans, 37 % des retrait\u00e9s de 65 \u00e0 74 ans et 20 % des retrait\u00e9s de plus de 75 ans ont des dettes. Tous groupes d\u2019\u00e2ge confondus, le montant m\u00e9dian de l\u2019endettement des retrait\u00e9s s\u2019\u00e9tablit \u00e0 19 000 $. Autre chiffre alarmant, 10 % des personnes qui ont d\u00e9clar\u00e9 faillite en 2014 \u00e9taient \u00e2g\u00e9es de 65 ans ou plus, ce qui repr\u00e9sente une augmentation de 20,5 % par rapport \u00e0 2010.<\/p><h3>Les causes les plus communes<\/h3><p>Plusieurs hypoth\u00e8ses sont plausibles pour expliquer l\u2019endettement \u00e0 la retraite; elles reposent souvent sur une mauvaise gestion financi\u00e8re, les facteurs \u00e9conomiques ou encore l\u2019\u00e9volution de la soci\u00e9t\u00e9. En effet, nous pouvons tout d\u2019abord distinguer les retrait\u00e9s qui omettent de r\u00e9am\u00e9nager leur budget en fonction de leur nouveau mode de vie ou ceux qui omettent de tenir compte du fait que les imp\u00f4ts pr\u00e9lev\u00e9s \u00e0 la source des revenus de retraite sont grandement moindre que les taux d\u2019imposition effectif auquel le retrait\u00e9 est impos\u00e9; de ce fait, ils compensent alors la diminution des revenus en ayant recours au cr\u00e9dit. \u00c0 cela se rajoute l\u2019augmentation des prix du logement, de la nourriture et du transport. Enfin, d\u2019autres facteurs sont \u00e0 prendre en consid\u00e9ration comme l\u2019allongement de la dur\u00e9e de vie et implicitement l\u2019augmentation des d\u00e9penses li\u00e9es \u00e0 la sant\u00e9 ou encore les r\u00e9percussions d\u2019un divorce ou d\u2019une s\u00e9paration sur la situation financiers d\u2019un couple.<\/p><h3>Endettement \u00e0 la retraite : des solutions<\/h3><p>Nous ne saurions que le dire et le redire mais la meilleure alternative pour commencer sa retraite sur le bon pied est d\u2019\u00e9ponger ses dettes (marges et carte de cr\u00e9dit, emprunts personnels, pr\u00eat hypoth\u00e9caire) avant de cesser toutes activit\u00e9s. Toujours est-il que quelque soit votre situation, vous toucherez dans le meilleur des cas 70% de votre ancien salaire, aussi, il serait peut-\u00eatre judicieux de consulter un conseiller en redressement financier afin de dresser un plan budg\u00e9taire. De ce fait, vous pourrez pr\u00e9voir et anticiper vos d\u00e9penses courantes, d\u00e9finir vos projets (vacances, r\u00e9novations\u2026) tout cela en vous assurant que votre \u00e9pargne ne s\u2019\u00e9puise pas durant la retraite.<\/p><p>Si vos dettes s\u2019accumulent consid\u00e9rablement, vous pouvez envisager de faire appel \u00e0 <span style=\"text-decoration: underline;\"><a href=\"https:\/\/bagel.staging.agencealto.ca\/bagel\/solutions\/consultation-gratuite\/\">un syndic autoris\u00e9 en insolvabilit\u00e9<\/a>.<\/span><\/p><h2>\u00a0<\/h2><h2>Renseignez-vous en obtenant une\u00a0consultation gratuite avec un professionnel exp\u00e9riment\u00e9 de Roy M\u00e9tivier Roberge<\/h2><p><div class='_form_37'><\/div><script type='text\/javascript' src='https:\/\/roymetivierroberge.activehosted.com\/f\/embed.php?static=0&#038;id=37&#038;6A1ADB4D0F8AA&#038;nostyles=0&#038;preview=0'><\/script><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>La retraite devrait \u00eatre une p\u00e9riode agr\u00e9able de la vie. Cependant, pour la population vieillissante du Canada, il peut s\u2019agir d\u2019une p\u00e9riode difficile\u00a0financi\u00e8rement ce qui provoque stress et anxi\u00e9t\u00e9. En effet, de [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":17838,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"default","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":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"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-opacity":"","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-opacity":"","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-opacity":"","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-opacity":"","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-opacity":"","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-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[28],"tags":[52,48,53],"class_list":["post-2752","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-endettement","tag-aines","tag-endettement","tag-retraite"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.9 (Yoast SEO v26.9) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Endettement \u00e0 la retraite : faits, causes et solutions<\/title>\n<meta name=\"description\" content=\"L&#039;endettement \u00e0 la retraite est plus commun que l&#039;on croit. 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