{"id":1202,"date":"2023-01-27T00:00:00","date_gmt":"2023-01-27T00:00:00","guid":{"rendered":"https:\/\/www.rbcwealthmanagement.com\/fr-ca\/2023\/01\/27\/how-to-ensure-you-have-the-finances-to-age-in-place\/"},"modified":"2024-03-19T13:56:26","modified_gmt":"2024-03-19T17:56:26","slug":"how-to-ensure-you-have-the-finances-to-age-in-place","status":"publish","type":"post","link":"https:\/\/www.rbcwealthmanagement.com\/fr-ca\/insights\/how-to-ensure-you-have-the-finances-to-age-in-place","title":{"rendered":"S\u2019assurer de pouvoir vivre longtemps chez soi"},"content":{"rendered":"\n

De nombreux Canadiens abordent la retraite sous un angle diff\u00e9rent qu\u2019il y a quelques ann\u00e9es.<\/p>\n\n\n\n

\u00ab La pand\u00e9mie a amen\u00e9 les gens \u00e0 voir autrement le vieillissement aux \u00e9tapes plus avanc\u00e9es de la vie, ainsi que les services aux a\u00een\u00e9s pour eux-m\u00eames et pour leurs proches \u00bb, explique Tony Maiorino, vice-pr\u00e9sident, directeur g\u00e9n\u00e9ral et chef, Bureau de gestion de patrimoine familial, RBC Gestion de patrimoine. \u00ab Les gens pensaient qu\u2019ils vivraient \u00e0 la maison aussi longtemps qu\u2019ils le pouvaient, et d\u00e9m\u00e9nager dans une r\u00e9sidence par la suite. \u00bb<\/p>\n\n\n\n

Un sondage du National Institute on Ageing r\u00e9v\u00e8le que bien des Canadiens veulent toujours vieillir chez eux et souhaitent ne plus avoir \u00e0 quitter leur domicile.<\/p>\n\n\n\n

Selon ce m\u00eame sondage, plus de 90 % des Canadiens \u00e2g\u00e9s de 65 ans et plus ont l\u2019intention de rester chez eux le plus longtemps possible. L\u2019institut de l\u2019Universit\u00e9 m\u00e9tropolitaine de Toronto a r\u00e9v\u00e9l\u00e9 que les Canadiens sont confront\u00e9s \u00e0 de nombreux d\u00e9fis \u00e0 cet \u00e9gard et a indiqu\u00e9 que 25 % des personnes \u00e2g\u00e9es de 75 ans et plus ont au moins un besoin non combl\u00e9. Ces personnes ont notamment besoin d\u2019aide pour faire l\u2019\u00e9picerie ou le m\u00e9nage, ou m\u00eame s\u2019habiller et se nourrir.<\/p>\n\n\n\n

Ce sont des besoins qui peuvent et devraient \u00eatre abord\u00e9s dans le cadre d\u2019un plan de retraite complet, d\u00e9clare M. Maiorino.<\/p>\n\n\n\n

\u00ab Le d\u00e9fi consiste \u00e0 sensibiliser d\u00e8s le d\u00e9part les gens \u00e0 cette probl\u00e9matique pour qu\u2019ils prennent les mesures qui s\u2019imposent, et ainsi \u00e9viter d\u2019\u00eatre pris au d\u00e9pourvu plus tard. \u00bb<\/p>\n\n\n\n

Il est plus que jamais capital de planifier la retraite en fonction non seulement des premi\u00e8res ann\u00e9es de retraite (habituellement consacr\u00e9es aux voyages et \u00e0 d\u2019autres loisirs), mais aussi des ann\u00e9es qui suivront en tenant compte des co\u00fbts d\u00e9j\u00e0 \u00e9lev\u00e9s et en croissance des services aux a\u00een\u00e9s. Les Canadiens auront in\u00e9vitablement besoin d\u2019une plus grande partie de leurs \u00e9conomies pour combler les d\u00e9ficits de l\u2019offre du secteur public.<\/p>\n\n\n\n

\n

Planifiez bien pour bien vieillir<\/strong><\/h4>\n\n\n\n

Explorez des strat\u00e9gies, des id\u00e9es et des ressources pour vous aider \u00e0 planifier, et \u00e0 profiter, d\u2019une vie longue et saine.<\/p>\n\n\n\n

\nEN SAVOIR PLUS<\/a>\n<\/div>\n<\/div><\/div><\/div><\/section>\n\n\n\n

\u00ab C\u2019est bien beau de vouloir vieillir en toute s\u00e9curit\u00e9 chez soi. Mais qu\u2019en sera-t-il des co\u00fbts associ\u00e9s ? \u00bb demande Audrey Miller, une travailleuse sociale et la directrice g\u00e9n\u00e9rale d\u2019Elder Caring Inc., qui aide les personnes et les familles \u00e0 concevoir des plans pour les services aux a\u00een\u00e9s. Mme<\/sup> Miller et Elder Caring Inc. travaillent en partenariat avec RBC Gestion de patrimoine en mati\u00e8re de vieillissement en sant\u00e9 et offrent des services aux clients \u00e0 l\u2019\u00e9chelle nationale.<\/p>\n\n\n\n

Elle note que le tarif normal d\u2019un aidant priv\u00e9 est d\u2019environ 35 $ l\u2019heure, selon les besoins de la personne qui re\u00e7oit les services, ce qui peut aller au-del\u00e0 des 100\u2009000 $ par ann\u00e9e. Les r\u00e9novations domiciliaires peuvent constituer un autre gros investissement. L\u2019installation d\u2019un monte-escalier et le r\u00e9am\u00e9nagement d\u2019une salle de bain pour y int\u00e9grer des appuis s\u00e9curitaires, par exemple, peuvent co\u00fbter entre 12\u2009000 $ et 25\u2009000 $, dit-elle.<\/p>\n\n\n\n

\u00ab Par ailleurs, il n\u2019y a pas que des co\u00fbts financiers \u00e0 la mise en place de strat\u00e9gies favorisant le vieillissement chez soi. Elle comporte aussi des co\u00fbts \u00e9motionnels. \u00bb<\/p>\n\n\n\n

Les personnes \u00e2g\u00e9es veulent tellement vieillir chez elles qu\u2019elles n\u2019envisagent pas d\u2019autres possibilit\u00e9s comme les r\u00e9sidences-services o\u00f9 des services tels que les repas, la lessive, le m\u00e9nage et une vie sociale sont offerts, et qui peuvent se r\u00e9v\u00e9ler \u00eatre de meilleures options pour elles. Selon Mme<\/sup> Miller, les loyers mensuels de telles r\u00e9sidences peuvent aller de 3\u2009000 $ \u00e0 plus de 10\u2009000 $.<\/p>\n\n\n\n

C\u2019est l\u00e0 qu\u2019une \u00e9quipe de gestion de patrimoine comme RBC peut \u00eatre utile, dit M. Maiorino. \u00ab Nous \u00e9tablissons avec les clients de nombreux sc\u00e9narios touchant notamment les modifications requises pour adapter leur maison, les soins prolong\u00e9s \u00e0 domicile, la vente de leur maison ou le d\u00e9m\u00e9nagement dans une r\u00e9sidence pour personnes \u00e2g\u00e9es.<\/p>\n\n\n\n

Dans le cadre de ce processus, nous examinons l\u2019ensemble de leurs actifs afin de d\u00e9terminer ceux qu\u2019ils devraient utiliser en premier pour payer les services dont ils ont besoin, surtout d\u2019un point de vue fiscal afin d\u2019en avoir un peu plus pour leur argent. \u00bb<\/p>\n\n\n\n

La planification n\u2019est absolument pas simple. De nombreuses variables (le montant et les types d\u2019actifs de retraite, le revenu dont dispose le client, l\u2019historique de sant\u00e9 et de long\u00e9vit\u00e9 familial du client) doivent \u00eatre prises en compte.<\/p>\n\n\n\n

Certaines \u00e9tapes essentielles, comme s\u2019assurer que les procurations sont \u00e0 jour, que des personnes de confiance ont \u00e9t\u00e9 d\u00e9sign\u00e9es pour g\u00e9rer leurs finances, doivent \u00eatre effectu\u00e9es dans le cadre du processus. La nomination d\u2019un mandataire, une personne de confiance pour prendre des d\u00e9cisions en mati\u00e8re de soins de sant\u00e9 au nom du client, est tout aussi importante.<\/p>\n\n\n\n

\u00ab Tout le monde devrait imp\u00e9rativement s\u2019assurer de mettre en place ces \u00e9l\u00e9ments et faire de sorte que leurs volont\u00e9s soient respect\u00e9es en cas d\u2019incapacit\u00e9 \u00bb, dit M. Maiorino.<\/p>\n\n\n\n

Les gens doivent aussi parler de leurs plans avec les membres de leur famille et indiquer l\u2019emplacement des documents importants, ajoute-t-il. C\u2019est tout aussi important d\u2019identifier la personne id\u00e9ale \u00e0 d\u00e9signer comme mandataire en vertu d\u2019une procuration relative aux biens au moment opportun. Les gens ont l\u2019habitude de d\u00e9signer par d\u00e9faut des membres de leur famille ou leurs amis \u00e0 cet \u00e9gard, mais la d\u00e9signation d\u2019un mandataire professionnel peut s\u2019av\u00e9rer un choix judicieux.<\/p>\n\n\n\n

Un conseiller en patrimoine qualifi\u00e9 devrait tenir compte de tous ces \u00e9l\u00e9ments dans l\u2019\u00e9tablissement d\u2019un plan global de retraite. Ce plan devrait \u00eatre \u00e9tabli le plus rapidement possible, dit M. Maiorino.<\/p>\n\n\n\n

\u00ab Vous devriez travailler avec votre conseiller et, pr\u00e9f\u00e9rablement, parler avec lui de ces \u00e9l\u00e9ments le plus t\u00f4t possible pour permettre l\u2019\u00e9laboration d\u2019un plan souple tenant compte des services dont vous aurez besoin. \u00bb<\/p>\n\n\n\n

Cet article a \u00e9t\u00e9 initialement publi\u00e9 dans The Globe and Mail <\/a> (en anglais seulement).<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

Si vous souhaitez vieillir \u00e0 domicile, n\u2019oubliez pas d\u2019en analyser les aspects \u00e9motionnels et les co\u00fbts financiers, conseille Audrey Miller.<\/p>\n","protected":false},"author":15,"featured_media":1204,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"rbcwm_post_date":"","editor_notices":[],"rbc_url_alias":"","rbcwm_featured_desktop_image_position":"","rbcwm_featured_mobile_image_position":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[520],"tags":[142,119,141,767,120],"rbcwm_content_owner":[677],"rbcwm_need":[547,552],"rbcwm_segment":[538],"rbcwm_solution":[550],"rbcwm_topic":[544],"rbcwm_channel":[],"rbcwm_format":[],"class_list":["post-1202","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-retraite","tag-elder-care-needs","tag-eldercare","tag-retirement-considerations","tag-securite-financiere","tag-services-aux-aines","rbcwm_content_owner-royal-trust","rbcwm_need-preservation","rbcwm_need-vivre","rbcwm_segment-particuliers-et-familles","rbcwm_solution-planification-de-patrimoine","rbcwm_topic-sante-et-bien-etre"],"acf":{"rbcwm_subtitle":"Si vous souhaitez vieillir \u00e0 domicile, n\u2019oubliez pas d\u2019en analyser les aspects \u00e9motionnels et les co\u00fbts financiers, conseille Audrey Miller.","rbcwm_post_author":"","rbcwm_custom_breadcrumb_text":"","rbcwm_custom_breadcrumb_link_url":"","rbcwm_disclaimers":{"add_disclosures":"","perspective_disclaimer":"","expandable":"","omit_from_pages":[],"disclaimer_footnote":"RBC Dominion valeurs mobili\u00e8res Inc.*, RBC Phillips, Hager & North Services-conseils en placements inc., RBC Gestion mondiale d\u2019actifs Inc., la Compagnie Trust Royal et la Soci\u00e9t\u00e9 Trust Royal du Canada (collectivement, les \u00ab soci\u00e9t\u00e9s \u00bb) sont des soci\u00e9t\u00e9s membres de RBC Gestion de patrimoine, une division op\u00e9rationnelle de la Banque Royale du Canada. *Membre \u2013 Fonds canadien de protection des \u00e9pargnants. 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