{"id":6645,"date":"2012-04-02T09:10:31","date_gmt":"2012-04-02T13:10:31","guid":{"rendered":"http:\/\/www.viacapitalevendu.com\/blogue\/?p=6645"},"modified":"2012-04-02T09:10:31","modified_gmt":"2012-04-02T13:10:31","slug":"les-regrets-des-baby-boomers","status":"publish","type":"post","link":"https:\/\/www.viacapitalevendu.com\/blogue\/fr\/les-regrets-des-baby-boomers\/","title":{"rendered":"Les regrets des baby-boomers"},"content":{"rendered":"

Si c\u2019\u00e9tait \u00e0 recommencer, les baby boomers investiraient davantage dans l\u2019immobilier. S\u2019ils avaient une deuxi\u00e8me chance de planifier leur retraite, 35% d\u2019entre eux opteraient pour l\u2019immobilier comme type de placement, 31% pour les certificats de placement garanti et 20 % pour les liquidit\u00e9s.<\/p>\n

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Source : iStockPhoto<\/figcaption><\/figure>\n

Quels conseils les baby boomers ont-ils l\u2019intention de donner aux jeunes d\u2019aujourd\u2019hui en mati\u00e8re de planification de la retraite? 45% d\u2019entre eux leur sugg\u00e8rent de rembourser le pr\u00eat hypoth\u00e9caire le plus rapidement possible. Si la proportion semble consid\u00e9rable, sachez que le remboursement acc\u00e9l\u00e9r\u00e9 de l\u2019hypoth\u00e8que vient au dernier rang derri\u00e8re l\u2019ouverture rapide d\u2019un REER avec une cotisation r\u00e9guli\u00e8re (59%), un compte d\u2019\u00e9pargne libre d\u2019imp\u00f4t avec un investissement maximum chaque ann\u00e9e (53%) et l\u2019\u00e9laboration d\u2019un plan financier (50%).<\/p>\n

Ces donn\u00e9es proviennent d\u2019un sondage national men\u00e9 par BMO Groupe financier sur le r\u00e9gime enregistr\u00e9 d\u2019\u00e9pargne-retraite.<\/p>\n

\u00ab\u00a0L’achat d’une maison peut \u00eatre une des d\u00e9cisions financi\u00e8res les plus importantes qu’une personne puisse prendre et cet investissement peut repr\u00e9senter un p\u00e9cule de retraite consid\u00e9rable plus tard dans la vie de l’investisseur, selon Laura Parsons, experte hypoth\u00e9caire, BMO Banque de Montr\u00e9al. Cependant, il est essentiel que les Canadiens \u00e9vitent d’avoir \u00e0 rembourser un pr\u00eat hypoth\u00e9caire pendant leurs ann\u00e9es de retraite. Une fa\u00e7on d’y arriver consiste \u00e0 choisir une p\u00e9riode d’amortissement plus courte – de pr\u00e9f\u00e9rence d’au plus 25 ans – ce qui permet de r\u00e9duire les frais d’int\u00e9r\u00eats de plusieurs milliers de dollars qui pourront \u00eatre investis directement dans l’\u00e9pargne-retraite.\u00a0\u00bb<\/p>\n

Mise \u00e0 part la r\u00e9gion de l\u2019Atlantique, c\u2019est au Qu\u00e9bec que les baby boomers \u00e9prouvent les regrets les moins vifs en mati\u00e8re d\u2019investissement immobilier car la proportion est de 36%, loin derri\u00e8re les baby boomers de la Colombie-Britannique (59%), des Prairies (50%), de l\u2019Ontario (45%) et l\u2019Alberta (40%).<\/p>\n

M\u00eame observation du c\u00f4t\u00e9 du remboursement acc\u00e9l\u00e9r\u00e9 de l\u2019hypoth\u00e8que. Les regrets sont de 58% chez les baby boomers de la Colombie-Britannique, 53% dans les Prairies, 52% en Alberta, 48% en Ontario et, loin derri\u00e8re, 34% au Qu\u00e9bec et dans les provinces de l\u2019Atlantique.<\/p>\n","protected":false},"excerpt":{"rendered":"

Si c\u2019\u00e9tait \u00e0 recommencer, les baby boomers investiraient davantage dans l\u2019immobilier. S\u2019ils avaient une deuxi\u00e8me chance de planifier leur retraite, 35% d\u2019entre eux opteraient pour l\u2019immobilier comme type de placement, 31% pour les certificats de placement garanti et 20 % pour les liquidit\u00e9s. Quels conseils les baby boomers ont-ils l\u2019intention de donner aux jeunes d\u2019aujourd\u2019hui […]<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12],"tags":[754,1004,1021,1059,1722,1786],"class_list":["post-6645","post","type-post","status-publish","format-standard","hentry","category-finance","tag-epargne-retraite","tag-hypotheque","tag-immobilier-2","tag-investissement","tag-reer","tag-retraite"],"yoast_head":"\r\nLes regrets des baby-boomers - Blogue de Via Capitale<\/title>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" href=\"https:\/\/www.viacapitalevendu.com\/blogue\/fr\/les-regrets-des-baby-boomers\/\" \/>\r\n<meta property=\"og:locale\" content=\"en_US\" \/>\r\n<meta property=\"og:type\" content=\"article\" \/>\r\n<meta property=\"og:title\" content=\"Les regrets des baby-boomers - Blogue de Via Capitale\" \/>\r\n<meta property=\"og:description\" content=\"Si c\u2019\u00e9tait \u00e0 recommencer, les baby boomers investiraient davantage dans l\u2019immobilier. S\u2019ils avaient une deuxi\u00e8me chance de planifier leur retraite, 35% d\u2019entre eux opteraient pour l\u2019immobilier comme type de placement, 31% pour les certificats de placement garanti et 20 % pour les liquidit\u00e9s. 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