{"id":1104,"date":"2023-05-08T10:00:00","date_gmt":"2023-05-08T10:00:00","guid":{"rendered":"https:\/\/www.rbcwealthmanagement.com\/fr-ca\/2023\/05\/08\/three-strategies-for-retirees-to-consider-in-times-of-market-volatility\/"},"modified":"2023-11-01T10:47:47","modified_gmt":"2023-11-01T14:47:47","slug":"three-strategies-for-retirees-to-consider-in-times-of-market-volatility","status":"publish","type":"post","link":"https:\/\/www.rbcwealthmanagement.com\/fr-ca\/insights\/three-strategies-for-retirees-to-consider-in-times-of-market-volatility","title":{"rendered":"Trois strat\u00e9gies pour les retrait\u00e9s en p\u00e9riode de volatilit\u00e9 de march\u00e9"},"content":{"rendered":"\n
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Le pr\u00e9sent article s\u2019inscrit dans le cadre d\u2019une initiative continue de RBC Gestion de patrimoine visant \u00e0 mettre en lumi\u00e8re les r\u00e9flexions des femmes de tous les secteurs de la banque. Il couvre une vari\u00e9t\u00e9 de sujets et de th\u00e8mes qui ont \u00e9galement \u00e9t\u00e9 abord\u00e9s dans le Financial Post, la r\u00e9f\u00e9rence canadienne en mati\u00e8re d\u2019actualit\u00e9 et d\u2019analyse sur le contexte concurrentiel actuel du monde des affaires.<\/em><\/p>\n<\/div>\n\n\n\n

Rita Li est conseill\u00e8re en placement, RBC Dominion valeurs mobili\u00e8res.<\/strong><\/p>\n\n\n\n

Dans mon travail aupr\u00e8s de familles qui approchent de la retraite ou qui sont d\u00e9j\u00e0 \u00e0 la retraite, l\u2019une des choses les plus gratifiantes est de les aider \u00e0 rester sur la bonne voie pour atteindre leurs objectifs de retraite alors que les march\u00e9s sont volatils.<\/span><\/p>\n\n\n\n

Aujourd\u2019hui, nous avons la chance de profiter d\u2019une long\u00e9vit\u00e9 accrue. Cela signifie que les personnes vivent plus longtemps pendant la p\u00e9riode de leur retraite, et que la planification de la retraite est plus importante que jamais. Bon nombre de personnes n\u2019ont plus acc\u00e8s aux flux de revenus garantis issus des r\u00e9gimes de retraite \u00e0 prestations d\u00e9termin\u00e9es, et de plus en plus de retrait\u00e9s sont tributaires de leurs placements pour compl\u00e9ter leur revenu en fonction de leurs besoins.<\/span><\/p>\n\n\n\n

Apr\u00e8s des ann\u00e9es pass\u00e9es \u00e0 constituer et \u00e0 accumuler un patrimoine, \u00e0 l\u2019approche de la retraite, l\u2019accent est davantage plac\u00e9 sur la pr\u00e9servation et l\u2019expansion du patrimoine. L\u2019objectif est d\u2019avoir un portefeuille de retraite ad\u00e9quatement \u00e9quilibr\u00e9 entre les placements qui g\u00e9n\u00e8rent un revenu, ceux qui pr\u00e9servent le capital et ceux qui procurent une certaine croissance \u00e0 long terme, de sorte que le portefeuille dure aussi longtemps que n\u00e9cessaire.<\/span><\/p>\n\n\n\n

Dans le domaine des placements, la cl\u00e9 du succ\u00e8s repose en grande partie sur le contr\u00f4le des \u00e9motions en p\u00e9riode de volatilit\u00e9 de march\u00e9, et sur le fait de ne pas perdre de vue la situation globale. La volatilit\u00e9 \u2013 hauts et bas incontournables sur les march\u00e9s financiers \u2013 est un ph\u00e9nom\u00e8ne normal en mati\u00e8re d\u2019investissement. L\u2019important est de garder \u00e0 l\u2019esprit que par le pass\u00e9, les march\u00e9s se sont toujours r\u00e9cup\u00e9r\u00e9s de leurs pertes, et qu\u2019ils franchissent de nouveaux sommets au fil du temps.<\/span><\/p>\n\n\n\n

Il incombe au conseiller de guider les clients en p\u00e9riode de volatilit\u00e9, et de les aider \u00e0 respecter leur plan \u00e0 long terme visant \u00e0 atteindre leurs objectifs de retraite. Voici trois strat\u00e9gies destin\u00e9es aux retrait\u00e9s dans un contexte de volatilit\u00e9 de march\u00e9.<\/span><\/p>\n\n\n\n

1. S\u2019en tenir \u00e0 sa strat\u00e9gie de placement en p\u00e9riode de turbulences<\/h2>\n\n\n\n

Formulez une strat\u00e9gie de placement appropri\u00e9e, respectez-la en p\u00e9riode difficile, et ne vous en \u00e9cartez pas en p\u00e9riode de prosp\u00e9rit\u00e9. Les \u00e9motions peuvent pousser les march\u00e9s vers des sommets ou des creux extr\u00eames. La derni\u00e8re vague de fr\u00e9n\u00e9sie a touch\u00e9 le secteur de la technologie, port\u00e9e par des liquidit\u00e9s abondantes et des taux d\u2019int\u00e9r\u00eat extr\u00eamement bas. Sur les march\u00e9s, les bulles finissent par \u00e9clater, et on ne sait jamais quand. Il vaut donc mieux \u00e9viter les attitudes sp\u00e9culatives au moment d\u2019investir, et ne pas essayer d\u2019anticiper les march\u00e9s.<\/span><\/p>\n\n\n\n

2. Penser \u00e0 long terme<\/h2>\n\n\n\n

Il est important de comprendre que la volatilit\u00e9 de march\u00e9 est normale, et qu\u2019il faut maintenir son cap \u00e0 long terme. Adoptez une strat\u00e9gie qui vous aidera \u00e0 surmonter toute p\u00e9riode de r\u00e9cession, en tenant compte de vos besoins de revenus de placement. Songez \u00e0 empiler vos revenus en combinant r\u00e9serves de liquidit\u00e9s, dividendes et revenus d\u2019int\u00e9r\u00eats, en plus d\u2019un revenu garanti.<\/span><\/p>\n\n\n\n

Depuis 1960, les actions inscrites \u00e0 l\u2019indice S&P 500 ont connu une croissance de leurs dividendes de 6 % par an, soit le double du taux d\u2019inflation pendant la m\u00eame p\u00e9riode. Historiquement, les actions sont plus r\u00e9silientes que les obligations face \u00e0 l\u2019inflation, du fait que les versements obligataires sont fixes jusqu\u2019\u00e0 l\u2019\u00e9ch\u00e9ance.<\/span><\/p>\n\n\n\n

Selon vos besoins, vos objectifs et votre profil de risque, les placements ax\u00e9s sur la croissance, par exemple les actions, peuvent occuper une place importante dans votre portefeuille de retraite, car ces placements vous aident \u00e0 suivre le rythme de l\u2019inflation tout en limitant l\u2019\u00e9rosion du capital.<\/span><\/p>\n\n\n\n

Il n\u2019existe pas de conseils universels en mati\u00e8re de gestion des portefeuilles de retraite. L\u2019id\u00e9e est de comprendre les caract\u00e9ristiques sp\u00e9cifiques aux diff\u00e9rents types de placements, et de bien d\u00e9finir sa strat\u00e9gie en vue d\u2019obtenir des revenus.<\/span><\/p>\n\n\n\n

3. Miser sur la communication<\/h2>\n\n\n\n

Apprenez \u00e0 mieux comprendre vos objectifs de placement, et gardez \u00e0 l\u2019esprit que vous devrez toujours faire des compromis au moment de prendre des d\u00e9cisions de placement. Les objectifs de rendement plus \u00e9lev\u00e9s sont souvent associ\u00e9s \u00e0 des risques plus \u00e9lev\u00e9s. Nous vous invitons \u00e0 communiquer vos pr\u00e9occupations \u00e0 vos conseillers et \u00e0 r\u00e9viser vos plans de retraite, afin de mieux comprendre comment la volatilit\u00e9 de march\u00e9 peut influer sur vos objectifs. <\/span><\/p>\n\n\n\n

Cet article a \u00e9t\u00e9 publi\u00e9 pour la premi\u00e8re fois dans le\u00a0<\/span>Financial Post<\/a> (en anglais seulement).<\/i><\/p>\n","protected":false},"excerpt":{"rendered":"

La r\u00e9ussite en mati\u00e8re de placements d\u00e9pend en grande partie de votre capacit\u00e9 \u00e0 ne pas perdre de vue la situation dans son 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