{"id":11450,"date":"2022-06-21T15:22:00","date_gmt":"2022-06-21T19:22:00","guid":{"rendered":"https:\/\/kerrfinancial.ca\/mise-a-jour-de-votre-plan-financier\/"},"modified":"2024-12-07T19:36:47","modified_gmt":"2024-12-08T00:36:47","slug":"mise-a-jour-de-votre-plan-financier","status":"publish","type":"post","link":"https:\/\/kerrfinancial.ca\/fr\/blog\/non-classifiee\/mise-a-jour-de-votre-plan-financier\/","title":{"rendered":"Mise \u00e0 jour de votre plan financier"},"content":{"rendered":"<h3><strong>Mise \u00e0 jour de votre plan financier<\/strong><\/h3>\n<p class=\"p1\">S\u2019il est une chose que nous avons apprise l\u2019an dernier, c\u2019est que le monde peut changer en un claquement de doigts. Depuis deux\u00a0ans, la pand\u00e9mie et les ph\u00e9nom\u00e8nes qui en r\u00e9sultent, soit la perturbation des cha\u00eenes d\u2019approvisionnement mondiales, les p\u00e9nuries de main-d\u2019\u0153uvre, la hausse soudaine de l\u2019inflation, la tendance \u00e0 la hausse des taux d\u2019int\u00e9r\u00eat et la volatilit\u00e9 des march\u00e9s boursiers, font que vous vous souciez tr\u00e8s certainement de l\u2019incidence que tout cela peut avoir sur vos plans de retraite et sur vos objectifs financiers. Peut-\u00eatre vous demandez-vous si le plan financier \u00e9tabli pour vous il y a trois\u00a0ans est toujours valable? Peut-\u00eatre doutez-vous du r\u00e9alisme de l\u2019ann\u00e9e pr\u00e9vue pour votre retraite?<\/p>\n<h3 class=\"p1\"><strong>Penchons-nous un peu sur l\u2019inflation<\/strong><\/h3>\n<p class=\"p1\">Jusqu\u2019\u00e0 tout r\u00e9cemment, le taux d\u2019inflation se situait \u00e0 un creux historique, soit environ 2 %. Selon la plus r\u00e9cente diffusion de l\u2019indice des prix \u00e0 la consommation au Canada, soit celle d\u2019avril, le taux d\u2019inflation annuel s\u2019\u00e9tablit \u00e0 6,8 %. Nous n\u2019avons pas \u00e0 chercher bien loin pour en constater les effets pernicieux sur notre quotient. L\u2019\u00e9vidence cr\u00e8ve les yeux \u00e0 la pompe ou lorsque nous remplissons le frigo.<\/p>\n<p class=\"p1\">Les organismes en charge d\u2019\u00e9tablir les normes encadrant les hypoth\u00e8ses utilis\u00e9es en Planification financi\u00e8re au Canada, soit le \u2018FP Canada Standards Council\u2019 et l\u2019Institut qu\u00e9b\u00e9cois de planification financi\u00e8re, prescrivent dans leur r\u00e9cente publication annuelle l\u2019utilisation d\u2019un taux d\u2019inflation de 2,1\u00a0% pour les plans financiers, lequel a \u00e9t\u00e9 \u00e9tabli en fonction des pr\u00e9visions \u00e0 long terme, soit une p\u00e9riode de plus de 10\u00a0ans. Ils justifient cette norme en s\u2019appuyant sur les moyennes historiques \u00e0 long terme observ\u00e9es pour l\u2019inflation. Pour le moment, nous ne savons pas quel sera le taux d\u2019inflation prescrit pour les 10 ou 20\u00a0prochaines ann\u00e9es, ou m\u00eame si ces organismes recommanderont un taux plus \u00e9lev\u00e9 dans leur publication sur les normes d\u2019hypoth\u00e8ses l\u2019an prochain. <span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<p class=\"p1\">Une hausse \u00e0 long terme du taux d\u2019inflation qui passerait de 2\u00a0% \u00e0 3\u00a0% peut sembler insignifiante, pourtant, si un taux d\u2019inflation de 2\u00a0% r\u00e9duit le pouvoir d\u2019achat d\u2019 1$ de moiti\u00e9 (50\u00a0%) en 35\u00a0ans, cela ne prendrait plus que 23\u00a0ans avec une inflation de 3\u00a0%. Pour mettre cette comparaison en perspective, disons qu\u2019une personne de 55\u00a0ans verrait son pouvoir d\u2019achat r\u00e9duit de moiti\u00e9 \u00e0 90\u00a0ans avec une inflation de 2\u00a0%, seuil qui serait atteint \u00e0 78\u00a0ans avec une inflation de 3\u00a0%. La r\u00e9duction du pouvoir d\u2019achat est un gros sujet d\u2019inqui\u00e9tude pour quiconque touche un revenu fixe. Les ann\u00e9es dor\u00e9es ne sont peut-\u00eatre pas si dor\u00e9es!<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<h3><strong>Les variables d&rsquo;un plan financier<\/strong><\/h3>\n<p class=\"p1\">Le taux d\u2019inflation est l\u2019une des nombreuses variables qui entre dans l\u2019\u00e9laboration d\u2019un plan financier. Le taux de rendement des placements en est une autre tout aussi essentielle.<span class=\"Apple-converted-space\">\u00a0 <\/span>Cette derni\u00e8re \u00e9volue selon les objectifs et l\u2019horizon temporel de placement d\u2019une personne. Une politique de placement qui tient compte d\u2019une r\u00e9partition entre argent comptant, obligations, actions et placements non traditionnels d\u00e9terminera le taux de rendement \u00e0 utiliser. Si on augmente le taux d\u2019inflation, il faut alors ajuster les taux de rendement, puisqu\u2019une \u00e9l\u00e9vation du taux d\u2019inflation s\u2019accompagne habituellement d\u2019une hausse des taux d\u2019int\u00e9r\u00eat et des rendements des actions. Cependant, l\u2019imp\u00f4t sur le revenu augmentera \u00e9galement!<\/p>\n<p class=\"p1\">La poursuite de ce qui aurait pu \u00eatre un objectif r\u00e9aliste il y a quelques ann\u00e9es, par exemple un d\u00e9part \u00e0 la retraite \u00e0 60\u00a0ans, se soldera peut-\u00eatre par des compromis. Ce sera notamment le cas s\u2019il y a conflit avec un autre objectif comme le financement d\u2019une \u00e9ducation sup\u00e9rieure pour un enfant ou un petit-enfant ou le soutien financier d\u2019un enfant adulte d\u00e9sirant s\u2019acheter une maison. <span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<h3><strong>Les outils et comp\u00e9tences d&rsquo;un planificateur financier<\/strong><\/h3>\n<p class=\"p1\">Un planificateur financier dispose des outils et des comp\u00e9tences n\u00e9cessaires pour mod\u00e9liser diff\u00e9rentes hypoth\u00e8ses et diff\u00e9rents sc\u00e9narios ainsi que pour poser les bonnes questions et vous faire vivre une exp\u00e9rience interactive \u00e0 valeur ajout\u00e9e, tout en vous procurant, esp\u00e9rons-le, la tranquillit\u00e9 d\u2019esprit.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Mise \u00e0 jour de votre plan financier S\u2019il est une  [&#8230;]<\/p>\n","protected":false},"author":22,"featured_media":7810,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[932,42,97,105],"tags":[902,904,903,863],"class_list":["post-11450","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investment-management-2","category-non-classifiee","category-planification-financiere-personnelle","category-planification-financiere-personnelle-fr","tag-inflation-fr-2","tag-mise-a-jour-fr","tag-plan-financier-fr","tag-planificateur-financier-fr"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - 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