{"id":27197,"date":"2025-10-14T10:38:07","date_gmt":"2025-10-14T14:38:07","guid":{"rendered":"https:\/\/www.rbcwealthmanagement.com\/fr-ca\/?p=27197"},"modified":"2025-10-14T10:38:09","modified_gmt":"2025-10-14T14:38:09","slug":"how-to-take-your-retirement-for-a-test-drive","status":"publish","type":"post","link":"https:\/\/www.rbcwealthmanagement.com\/fr-ca\/insights\/how-to-take-your-retirement-for-a-test-drive","title":{"rendered":"Comment mettre votre retraite \u00e0 l\u2019essai"},"content":{"rendered":"\n

La retraite n\u2019est plus simplement un moment dans le temps, mais bien une \u00e9tape compl\u00e8te de la vie qui peut durer plus de 30 ans, car les gens vivent plus longtemps<\/a>. Pour plusieurs, la retraite demeure une aventure floue reposant davantage sur des images de promenades sur la plage, de pickleball et de voyages que sur des connaissances ou des conseils concrets. M\u00eame si ces activit\u00e9s peuvent repr\u00e9senter un id\u00e9al de d\u00e9tente et de loisirs apr\u00e8s des ann\u00e9es de travail, elles n\u2019offrent qu\u2019une vision limit\u00e9e de ce qu\u2019implique la retraite.<\/p>\n\n\n\n

La transition vers la retraite peut entra\u00eener des changements importants dans les activit\u00e9s quotidiennes, les interactions sociales et l\u2019identit\u00e9 personnelle. Sans pr\u00e9paration \u00ab holistique \u00bb et sans vision claire de la transition vers cette nouvelle \u00e9tape, les retrait\u00e9s pourraient se trouver aux prises avec un exc\u00e8s de temps libre, un besoin d\u2019engagement significatif et un enjeu de red\u00e9finition du sentiment d\u2019utilit\u00e9.<\/p>\n\n\n\n

Pour s\u2019orienter dans ce territoire inconnu, la planification financi\u00e8re ne suffit pas; il faut une approche globale. Comment pouvez-vous faire l\u2019essai de votre retraite? Voici cinq facteurs propos\u00e9s par l\u2019AgeLab du MIT, un partenaire cl\u00e9 de RBC Gestion de patrimoine en mati\u00e8re de vieillissement en sant\u00e9.   <\/p>\n\n\n\n

1. Commencez t\u00f4t \u00e0 \u00ab\u00a0magasiner\u00a0\u00bb pour la retraite.<\/strong><\/h2>\n\n\n\n
\"Un<\/figure>
\n

Faites-vous une id\u00e9e<\/strong> de ce que vous attendez de la retraite. Visualisez et planifiez la fa\u00e7on dont vous envisagez de passer votre nouveau temps libre, en consid\u00e9rant vos activit\u00e9s, o\u00f9 vous vivrez, et avec qui.<\/p>\n\n\n\n

Pourquoi?<\/strong> Comme pour tout bon plan, plus vous commencez t\u00f4t, mieux c\u2019est. La planification vous donne le temps de r\u00e9fl\u00e9chir \u00e0 votre vision et de la faire \u00e9voluer.<\/p>\n<\/div><\/div>\n\n\n\n

<\/p>\n\n\n\n

2. D\u00e9terminez le revenu de retraite dont vous aurez besoin et essayez d\u2019en vivre<\/strong><\/h2>\n\n\n\n
\"Un<\/figure>
\n

Envisagez<\/strong> de calculer votre revenu de retraite pr\u00e9vu <\/a> et de cr\u00e9er un budget mensuel qui y correspond. Pendant un mois, respectez ce budget \u00e0 la lettre.<\/p>\n\n\n\n

Pourquoi?<\/strong> La simulation de sc\u00e9narios vous aidera \u00e0 d\u00e9terminer les changements que vous devrez peut-\u00eatre apporter \u00e0 la retraite.<\/p>\n<\/div><\/div>\n\n\n\n

<\/p>\n\n\n\n

3. Tissez des liens avec des personnes \u00e0 la retraite, devenez membre de groupes et d\u00e9couvrez des passe-temps<\/strong><\/h2>\n\n\n\n
\"Trois<\/figure>
\n

Envisagez<\/strong> de poser des questions \u00e0 des amis et \u00e0 des membres de votre famille qui ont le train de vie que vous convoitez au sujet de leurs exp\u00e9riences, des enjeux qu\u2019ils rencontrent et demandez-leur des conseils. Vous pourriez \u00e9galement devenir membre d\u2019organisations qui vous int\u00e9ressent ou d\u00e9couvrir de nouveaux passe-temps.<\/p>\n\n\n\n

Pourquoi?<\/strong> Ces missions de cueillette d\u2019information peuvent vous aider \u00e0 planifier, mais aussi \u00e0 \u00e9largir et \u00e0 renforcer vos r\u00e9seaux sociaux pour qu\u2019ils soient d\u00e9j\u00e0 en place au moment o\u00f9 vous prendrez votre retraite. <\/p>\n<\/div><\/div>\n\n\n\n

<\/p>\n\n\n\n

4. Passez du temps dans une r\u00e9gion ou une collectivit\u00e9 o\u00f9 vous voudriez vivre \u00e0 la retraite<\/strong><\/h2>\n\n\n\n
\"Un<\/figure>
\n

Envisagez<\/strong> de prendre des vacances dans une collectivit\u00e9 o\u00f9 vous aimeriez vivre \u00e0 la retraite<\/a> ou lorsque vous serez plus \u00e2g\u00e9. Vous pourriez organiser un s\u00e9jour prolong\u00e9 dans une collectivit\u00e9-amie des a\u00een\u00e9s<\/a> ou une location de courte dur\u00e9e dans un logement plus petit ou dans un autre quartier. Vivez-y comme si vous \u00e9tiez \u00e0 la retraite et comme s\u2019il s\u2019agissait de votre r\u00e9sidence permanente.<\/p>\n\n\n\n

Pourquoi?<\/strong> Cette immersion peut vous permettre d\u2019exp\u00e9rimenter r\u00e9ellement la vie dans la communaut\u00e9, les activit\u00e9s, les commodit\u00e9s et l\u2019exp\u00e9rience sociale \u00e0 vos propres conditions. <\/p>\n<\/div><\/div>\n\n\n\n

<\/p>\n\n\n\n

5. Pr\u00e9voyez d\u2019occuper un petit boulot ou de faire du b\u00e9n\u00e9volat<\/strong><\/h2>\n\n\n\n
\"Une<\/figure>
\n

Envisagez<\/strong> d\u2019occuper un emploi \u00e0 temps partiel ou de faire du b\u00e9n\u00e9volat et consacrez-y quelques heures par semaine pour savoir si cela vous convient.<\/p>\n\n\n\n

Pourquoi?<\/strong> Faire des essais \u00e0 l\u2019avance peut vous aider \u00e0 comprendre l\u2019engagement requis et la satisfaction que vous en retirerez une fois \u00e0 la retraite<\/a>.<\/p>\n<\/div><\/div>\n\n\n\n

<\/p>\n\n\n\n

Comme l\u2019a dit le Dr Joe Coughlin, fondateur et directeur de l\u2019AgeLab du MIT, \u00e0 propos de la planification de la long\u00e9vit\u00e9 : \u00ab Il doit bien exister une vision plus inspirante que celle qui se limite aux croisi\u00e8res ou aux b\u00e9quilles. \u00bb  Visionnez la vid\u00e9o \u00ab Explorer le lien entre la richesse, la sant\u00e9 et le vieillissement<\/a> \u00bb pour en apprendre plus du Dr Coughlin et d\u2019autres experts du vieillissement en sant\u00e9.<\/p>\n\n\n\n

\n

Pour en savoir plus sur les efforts d\u00e9ploy\u00e9s par RBC\u00a0Gestion de patrimoine pour pr\u00e9parer les Canadiens \u00e0 vivre plus longtemps en sant\u00e9, en s\u00e9curit\u00e9, de fa\u00e7on ind\u00e9pendante et en gardant le contr\u00f4le, consultez la page Long\u00e9vit\u00e9\u00a0: Bien vieillir<\/a>.<\/p>\n<\/div>\n\n\n\n

<\/p>\n\n\n\n

Une version de cet article a d\u00e9j\u00e0 \u00e9t\u00e9 publi\u00e9e par l\u2019AgeLab du MIT.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

On nous offre souvent l\u2019occasion d\u2019essayer un bien important avant d\u2019en faire l\u2019achat, mais si on peut faire un essai routier avant l\u2019achat d\u2019une voiture, \u00e7a n\u2019est pas le cas avec la retraite. Ou peut-\u00eatre que si?<\/p>\n","protected":false},"author":22,"featured_media":27198,"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":[514,520],"tags":[1020,1019],"rbcwm_content_owner":[],"rbcwm_need":[548,547,552],"rbcwm_segment":[538],"rbcwm_solution":[550],"rbcwm_topic":[551],"rbcwm_channel":[],"rbcwm_format":[],"class_list":["post-27197","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-planification-patrimoniale","category-retraite","tag-la-retraite","tag-planification-de-la-retraite","rbcwm_need-dons-de-charite","rbcwm_need-preservation","rbcwm_need-vivre","rbcwm_segment-particuliers-et-familles","rbcwm_solution-planification-de-patrimoine","rbcwm_topic-votre-patrimoine"],"acf":{"rbcwm_subtitle":"On nous offre souvent l\u2019occasion d\u2019essayer un bien important avant d\u2019en faire l\u2019achat, mais si on peut faire un essai routier avant l\u2019achat d\u2019une voiture, \u00e7a n\u2019est pas le cas avec la retraite. Ou peut-\u00eatre que si?","rbcwm_post_author":"","rbcwm_custom_breadcrumb_text":"","rbcwm_custom_breadcrumb_link_url":"","rbcwm_disclaimers":{"add_disclosures":"","perspective_disclaimer":"","expandable":"","omit_from_pages":"","disclaimer_footnote":""},"rbcwm_insight_cta_id":[10888],"rbcwm_pagination":{"next_link":"","next_link_text":"Next article","previous_link":"","previous_link_text":"Previous article"},"rbcwm_video_duration":"","article_time":"","rbcwm_enable_toc":false,"rbcwm_toc_selector":"h2"},"yoast_head":"\nComment mettre votre retraite \u00e0 l\u2019essai<\/title>\n<meta name=\"description\" content=\"On nous offre souvent l\u2019occasion d\u2019essayer un bien important avant d\u2019en faire l\u2019achat, mais si on peut faire un essai routier avant l\u2019achat d\u2019une voiture, \u00e7a n\u2019est pas le cas avec la retraite. 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