{"id":14702,"date":"2025-08-26T14:54:25","date_gmt":"2025-08-26T19:54:25","guid":{"rendered":"https:\/\/twinn.ca\/?p=14702"},"modified":"2025-10-13T20:25:38","modified_gmt":"2025-10-14T01:25:38","slug":"plan-retraite-epargne","status":"publish","type":"post","link":"https:\/\/twinn.ca\/fr\/plan-retraite-epargne\/","title":{"rendered":"Plans de retraite et d\u2019\u00e9pargne pour entreprises canadiennes"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Prenons l\u2019exemple de Sophie, employ\u00e9e en milieu de carri\u00e8re. Elle se demande si les avantages offerts par son entreprise peuvent l\u2019aider \u00e0 pr\u00e9parer sa retraite tout en \u00e9pargnant pour des projets \u00e0 court terme, comme la r\u00e9novation de sa maison. Mieux comprendre le fonctionnement des plans de retraite et d\u2019\u00e9pargne permet de prendre des d\u00e9cisions comme celles-ci plus sereinement.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cet article fait le point sur les principaux types de plans disponibles, le cadre r\u00e9glementaire au Qu\u00e9bec, les strat\u00e9gies de contribution les plus efficaces, et la fa\u00e7on d\u2019int\u00e9grer ces avantages \u00e0 votre strat\u00e9gie de gestion et de fid\u00e9lisation des talents.<\/p>\n\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id14702_50fa03-c2{margin-bottom:var(--global-kb-spacing-sm, 1.5rem);}.kb-row-layout-id14702_50fa03-c2 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id14702_50fa03-c2 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id14702_50fa03-c2 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-lg, 3rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-lg, 3rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id14702_50fa03-c2{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;overflow:clip;isolation:isolate;}.kb-row-layout-id14702_50fa03-c2 > .kt-row-layout-overlay{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;}.kb-row-layout-id14702_50fa03-c2{box-shadow:0px 0px 12px 3px rgba(0, 0, 0, 0.2);border-top:4px double var(--global-palette1, #3182CE);border-right:4px double var(--global-palette1, #3182CE);border-bottom:4px double var(--global-palette1, #3182CE);border-left:4px double var(--global-palette1, #3182CE);}.kb-row-layout-id14702_50fa03-c2{background-color:rgba(58,173,113,0.17);}.kb-row-layout-id14702_50fa03-c2 > .kt-row-layout-overlay{opacity:0.49;}@media all and (max-width: 1024px){.kb-row-layout-id14702_50fa03-c2 > .kt-row-column-wrap{padding-top:var(--global-kb-spacing-lg, 3rem);padding-right:var(--global-kb-spacing-xxs, 0.5rem);padding-bottom:var(--global-kb-spacing-lg, 3rem);padding-left:var(--global-kb-spacing-xxs, 0.5rem);grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 1024px){.kb-row-layout-id14702_50fa03-c2{border-top:4px double var(--global-palette1, #3182CE);border-right:4px double var(--global-palette1, #3182CE);border-bottom:4px double var(--global-palette1, #3182CE);border-left:4px double var(--global-palette1, #3182CE);}}@media all and (max-width: 767px){.kb-row-layout-id14702_50fa03-c2 > .kt-row-column-wrap{padding-top:var(--global-kb-spacing-md, 2rem);padding-right:var(--global-kb-spacing-xxs, 0.5rem);padding-bottom:var(--global-kb-spacing-md, 2rem);padding-left:var(--global-kb-spacing-xxs, 0.5rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id14702_50fa03-c2{border-top:4px double var(--global-palette1, #3182CE);border-right:4px double var(--global-palette1, #3182CE);border-bottom:4px double var(--global-palette1, #3182CE);border-left:4px double var(--global-palette1, #3182CE);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id14702_50fa03-c2 alignnone kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column14702_7a37a5-38 > .kt-inside-inner-col,.kadence-column14702_7a37a5-38 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column14702_7a37a5-38 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14702_7a37a5-38 > .kt-inside-inner-col{flex-direction:column;}.kadence-column14702_7a37a5-38 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14702_7a37a5-38 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14702_7a37a5-38{position:relative;}@media all and (max-width: 1024px){.kadence-column14702_7a37a5-38 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column14702_7a37a5-38 > .kt-inside-inner-col{padding-right:0px;padding-left:0px;flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14702_7a37a5-38\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading14702_256f6d-2c, .wp-block-kadence-advancedheading.kt-adv-heading14702_256f6d-2c[data-kb-block=\"kb-adv-heading14702_256f6d-2c\"]{text-align:left;font-style:normal;color:#020202;border-left:20px solid transparent;}.wp-block-kadence-advancedheading.kt-adv-heading14702_256f6d-2c mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading14702_256f6d-2c[data-kb-block=\"kb-adv-heading14702_256f6d-2c\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading14702_256f6d-2c img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading14702_256f6d-2c[data-kb-block=\"kb-adv-heading14702_256f6d-2c\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading14702_256f6d-2c, .wp-block-kadence-advancedheading.kt-adv-heading14702_256f6d-2c[data-kb-block=\"kb-adv-heading14702_256f6d-2c\"]{border-left:20px solid transparent;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading14702_256f6d-2c, .wp-block-kadence-advancedheading.kt-adv-heading14702_256f6d-2c[data-kb-block=\"kb-adv-heading14702_256f6d-2c\"]{border-left:20px solid transparent;}}<\/style>\n<h3 class=\"kt-adv-heading14702_256f6d-2c wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading14702_256f6d-2c\">Points Cl\u00e9s<\/h3>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items14702_c141e2-95:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14702_c141e2-95 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14702_c141e2-95 ul.kt-svg-icon-list{grid-row-gap:20px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14702_c141e2-95 .kb-svg-icon-wrap{color:var(--global-palette2, #2B6CB0);}.kt-svg-icon-list-items14702_c141e2-95 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items14702_c141e2-95 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-14702_4de527-e0 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14702_4de527-e0\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Les plans de retraite et d\u2019\u00e9pargne offrent une s\u00e9curit\u00e9 durable et constituent un puissant outil de recrutement et de fid\u00e9lisation.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14702_c6e334-91 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14702_c6e334-91\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Entre REER collectifs et r\u00e9gimes de pension, bien conna\u00eetre les diff\u00e9rences aide \u00e0 choisir la formule la plus adapt\u00e9e \u00e0 votre effectif.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14702_a7a2c9-19 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14702_a7a2c9-19\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Des strat\u00e9gies claires \u2014 comme les contributions jumel\u00e9es ou progressives \u2014 incitent les employ\u00e9s \u00e0 \u00e9pargner davantage tout en maintenant les co\u00fbts raisonnables.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14702_3efb57-33 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14702_3efb57-33\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Un plan bien int\u00e9gr\u00e9 au parcours de carri\u00e8re renforce l\u2019engagement et donne plus de sens aux avantages sociaux.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14702_0f2009-0f .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14702_0f2009-0f\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Un conseiller peut simplifier la conformit\u00e9, optimiser la conception du plan et l\u2019arrimer \u00e0 vos objectifs d\u2019affaires.<\/span><\/li>\n<\/ul><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"what-is-a-retirement-and-savings-plan\">Qu\u2019est-ce qu\u2019un plan de retraite et d\u2019\u00e9pargne ?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Un plan de retraite et d&rsquo;\u00e9pargne s\u2019agit d\u2019un programme qui aide les employ\u00e9s \u00e0 mettre de l\u2019argent de c\u00f4t\u00e9 pour leurs ann\u00e9es de retraite. Certains reposent surtout sur les cotisations des employ\u00e9s, d\u2019autres sont financ\u00e9s par l\u2019employeur, et plusieurs combinent les deux. En plus de l\u2019\u00e9pargne accumul\u00e9e, ces plans de retraite et d&rsquo;\u00e9pargne offrent souvent des avantages fiscaux et, dans certains cas, une contribution \u00e9quivalente de l\u2019employeur qui acc\u00e9l\u00e8re la croissance du capital.<\/p>\n\n\n<style>.kb-image14702_575e31-de .kb-image-has-overlay:after{opacity:0.3;}<\/style>\n<figure class=\"wp-block-kadence-image kb-image14702_575e31-de size-full\"><img decoding=\"async\" width=\"1000\" height=\"571\" src=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/09\/employees-review-their-retirement-and-savings-plan.webp\" alt=\"des employ\u00e9s au travail assis devant leur ordinateur portable en train d\u2019examiner des plans de retraite et d\u2019\u00e9pargne\" class=\"kb-img wp-image-14500\" srcset=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/09\/employees-review-their-retirement-and-savings-plan.webp 1000w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/09\/employees-review-their-retirement-and-savings-plan-300x171.webp 300w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/09\/employees-review-their-retirement-and-savings-plan-768x439.webp 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"how-they-benefit-employees-and-employers-alike\">Les avantages pour tous (employeurs et employ\u00e9s)<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Les plans de retraite et d\u2019\u00e9pargne apportent une vraie valeur ajout\u00e9e, autant pour les employ\u00e9s que pour l\u2019entreprise. Ils vont au-del\u00e0 du simple salaire en offrant une s\u00e9curit\u00e9 et un sentiment de stabilit\u00e9 \u00e0 long terme. <\/p>\n\n\n<style>.kb-row-layout-id14702_699992-1e > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id14702_699992-1e > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id14702_699992-1e > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:var(--global-kb-spacing-lg, 3rem);padding-bottom:var(--global-kb-spacing-lg, 3rem);grid-template-columns:repeat(2, minmax(0, 1fr));}.kb-row-layout-id14702_699992-1e > .kt-row-layout-overlay{opacity:0.30;}.kb-row-layout-id14702_699992-1e .kt-row-layout-bottom-sep{height:100px;}.kb-row-layout-id14702_699992-1e .kt-row-layout-bottom-sep svg{width:100%;}.kb-row-layout-id14702_699992-1e .kt-row-layout-bottom-sep svg{fill:var(--global-palette8, #F7FAFC)!important;}.kb-row-layout-id14702_699992-1e .kt-row-layout-top-sep{height:100px;}.kb-row-layout-id14702_699992-1e .kt-row-layout-top-sep svg{width:100%;}.kb-row-layout-id14702_699992-1e .kt-row-layout-top-sep svg{fill:var(--global-palette8, #F7FAFC)!important;}@media all and (max-width: 1024px){.kb-row-layout-id14702_699992-1e > .kt-row-column-wrap{padding-top:var(--global-kb-spacing-lg, 3rem);padding-bottom:var(--global-kb-spacing-lg, 3rem);grid-template-columns:repeat(2, minmax(0, 1fr));}}@media all and (max-width: 1024px){.kb-row-layout-id14702_699992-1e .kt-row-layout-bottom-sep{height:px;}}@media all and (max-width: 1024px){.kb-row-layout-id14702_699992-1e .kt-row-layout-bottom-sep svg{width:%;}}@media all and (max-width: 767px){.kb-row-layout-id14702_699992-1e > .kt-row-column-wrap{padding-top:var(--global-kb-spacing-md, 2rem);padding-right:var(--global-kb-spacing-xs, 1rem);padding-bottom:var(--global-kb-spacing-md, 2rem);padding-left:var(--global-kb-spacing-xs, 1rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id14702_699992-1e .kt-row-layout-bottom-sep{height:px;}.kb-row-layout-id14702_699992-1e .kt-row-layout-bottom-sep svg{width:%;}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id14702_699992-1e alignnone has-theme-palette9-background-color kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-layout-top-sep kt-row-sep-type-crvi\"><svg viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\"><path d=\"M1000,0c0,0 -270.987,98 -500,98c-229.013,0 -500,-98 -500,-98l0,100l1000,0l0,-100Z\" \/><\/svg><\/div><div class=\"kt-row-layout-bottom-sep kt-row-sep-type-crvi\"><svg viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\"><path d=\"M1000,0c0,0 -270.987,98 -500,98c-229.013,0 -500,-98 -500,-98l0,100l1000,0l0,-100Z\" \/><\/svg><\/div><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column14702_07c05b-4c > .kt-inside-inner-col,.kadence-column14702_07c05b-4c > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column14702_07c05b-4c > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14702_07c05b-4c > .kt-inside-inner-col{flex-direction:column;}.kadence-column14702_07c05b-4c > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14702_07c05b-4c > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14702_07c05b-4c{position:relative;}@media all and (max-width: 1024px){.kadence-column14702_07c05b-4c > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column14702_07c05b-4c > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14702_07c05b-4c\"><div class=\"kt-inside-inner-col\">\n<h4 class=\"wp-block-heading has-text-align-center has-medium-font-size\" id=\"for-employees\">Pour les employ\u00e9s<\/h4>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items14702_4ccb85-2d:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14702_4ccb85-2d ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14702_4ccb85-2d ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14702_4ccb85-2d ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items14702_4ccb85-2d ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items14702_4ccb85-2d kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-14702_6b153e-10 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14702_6b153e-10\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>S\u00e9curit\u00e9 financi\u00e8re :<\/strong> Un moyen fiable de pr\u00e9parer la retraite et de r\u00e9duire l\u2019incertitude face \u00e0 l\u2019avenir.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14702_0404a9-e0 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14702_0404a9-e0\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Tranquillit\u00e9 d\u2019esprit :<\/strong> Savoir que son employeur soutient ses objectifs financiers renforce la motivation et l\u2019engagement.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14702_935e99-fa .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14702_935e99-fa\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Soutien global :<\/strong> Ces plans s\u2019ajoutent aux autres avantages \u2014 assurance, bien-\u00eatre, t\u00e9l\u00e9m\u00e9decine \u2014 pour une couverture compl\u00e8te.<\/span><\/li>\n<\/ul><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column14702_38036b-c4 > .kt-inside-inner-col,.kadence-column14702_38036b-c4 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column14702_38036b-c4 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14702_38036b-c4 > .kt-inside-inner-col{flex-direction:column;}.kadence-column14702_38036b-c4 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14702_38036b-c4 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14702_38036b-c4{position:relative;}@media all and (max-width: 1024px){.kadence-column14702_38036b-c4 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column14702_38036b-c4 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14702_38036b-c4\"><div class=\"kt-inside-inner-col\">\n<h4 class=\"wp-block-heading has-text-align-center has-medium-font-size\" id=\"for-employers\">Pour les employeurs<\/h4>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items14702_8ac9f2-f1:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14702_8ac9f2-f1 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14702_8ac9f2-f1 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14702_8ac9f2-f1 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items14702_8ac9f2-f1 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items14702_8ac9f2-f1 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-14702_987f30-b7 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14702_987f30-b7\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Fid\u00e9liser les talents :<\/strong> Les employ\u00e9s restent plus longtemps lorsqu\u2019ils sentent que l\u2019entreprise investit dans leur avenir.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14702_9af97c-18 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14702_9af97c-18\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Atout au recrutement :<\/strong> Des avantages comp\u00e9titifs peuvent faire pencher la balance lors d\u2019une offre d\u2019emploi.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14702_c752b6-85 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14702_c752b6-85\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Renforcer l\u2019engagement :<\/strong> Montrer que l\u2019entreprise se soucie de ses employ\u00e9s au-del\u00e0 du salaire nourrit la loyaut\u00e9 et le moral d\u2019\u00e9quipe.<\/span><\/li>\n<\/ul><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"employers-responsibilities-regulatory-landscape-in-canada\">Responsabilit\u00e9s des employeurs et cadre r\u00e9glementaire<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Au Qu\u00e9bec, les <a href=\"https:\/\/stikeman.com\/fr-ca\/savoir\/droit-canadien-emploi-travail-regimes-retraite\/obligations-particulieres-employeur-prevues-lois-quebec-matiere-regimes-retraite-avantages-sociaux\" data-type=\"link\" data-id=\"https:\/\/stikeman.com\/fr-ca\/savoir\/droit-canadien-emploi-travail-regimes-retraite\/obligations-particulieres-employeur-prevues-lois-quebec-matiere-regimes-retraite-avantages-sociaux\" target=\"_blank\" rel=\"noopener\">r\u00e8gles provinciales<\/a> compl\u00e8tent la supervision f\u00e9d\u00e9rale. L\u2019Agence du revenu du Canada (ARC) et Revenu Qu\u00e9bec encadrent la fiscalit\u00e9, la d\u00e9claration et la gestion des plans de retraite et d\u2019\u00e9pargne.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>D\u00e9claration rigoureuse :<\/strong> Les employeurs doivent consigner les cotisations et les d\u00e9clarer sur les feuillets fiscaux chaque ann\u00e9e.<\/li>\n\n\n\n<li><strong> Droits acquis :<\/strong> Ils doivent pr\u00e9ciser \u00e0 quel moment les employ\u00e9s deviennent pleinement propri\u00e9taires des cotisations vers\u00e9es par l\u2019employeur, imm\u00e9diatement ou apr\u00e8s un certain nombre d\u2019ann\u00e9es.<\/li>\n\n\n\n<li><strong>Limites de cotisation :<\/strong> Le respect des plafonds f\u00e9d\u00e9raux et provinciaux \u00e9vite les mauvaises surprises fiscales.<\/li>\n\n\n\n<li><strong>Communication transparente :<\/strong> Les employ\u00e9s doivent savoir :\n<ul class=\"wp-block-list\">\n<li>quel type de plan ils d\u00e9tiennent ;<\/li>\n\n\n\n<li>quelle est la contribution de l\u2019employeur ;<\/li>\n\n\n\n<li>et comment le plan influence leurs imp\u00f4ts aujourd\u2019hui et leur s\u00e9curit\u00e9 demain.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id14702_b3bfcb-f4{margin-top:var(--global-kb-spacing-sm, 1.5rem);margin-bottom:var(--global-kb-spacing-sm, 1.5rem);}.kb-row-layout-id14702_b3bfcb-f4 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id14702_b3bfcb-f4 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id14702_b3bfcb-f4 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:minmax(0, calc(65% - ((var(--global-kb-gap-none, 0rem ) * 1 )\/2)))minmax(0, calc(35% - ((var(--global-kb-gap-none, 0rem ) * 1 )\/2)));}.kb-row-layout-id14702_b3bfcb-f4{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;overflow:clip;isolation:isolate;}.kb-row-layout-id14702_b3bfcb-f4 > .kt-row-layout-overlay{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;}.kb-row-layout-id14702_b3bfcb-f4 > .kt-row-layout-overlay{opacity:0.17;background:linear-gradient(90deg,var(--global-palette2) 3%,var(--global-palette6,#f2f0e8) 100%);}@media all and (max-width: 1024px){.kb-row-layout-id14702_b3bfcb-f4 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-md, 2rem);grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id14702_b3bfcb-f4 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id14702_b3bfcb-f4 alignnone has-theme-palette8-background-color kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-layout-overlay kt-row-overlay-gradient\"><\/div><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-left-golden kt-tab-layout-row kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column14702_25300c-95 > .kt-inside-inner-col,.kadence-column14702_25300c-95 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column14702_25300c-95 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14702_25300c-95 > .kt-inside-inner-col{flex-direction:column;}.kadence-column14702_25300c-95 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14702_25300c-95 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14702_25300c-95{position:relative;}@media all and (max-width: 1024px){.kadence-column14702_25300c-95 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column14702_25300c-95 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14702_25300c-95\"><div class=\"kt-inside-inner-col\"><style>.kadence-column14702_d8cb35-06 > .kt-inside-inner-col{display:flex;}#wrapper.site{overflow:clip;}.kadence-column14702_d8cb35-06{--kb-section-setting-offset:90px;}.kadence-column14702_d8cb35-06 > .kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kadence-column14702_d8cb35-06 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14702_d8cb35-06 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column14702_d8cb35-06 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column14702_d8cb35-06{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14702_d8cb35-06{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14702_d8cb35-06 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column14702_d8cb35-06 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14702_d8cb35-06{text-align:left;}.kadence-column14702_d8cb35-06{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column14702_d8cb35-06{align-self:flex-start;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14702_d8cb35-06{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14702_d8cb35-06 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 1024px){.kadence-column14702_d8cb35-06 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column14702_d8cb35-06{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14702_d8cb35-06{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14702_d8cb35-06 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column14702_d8cb35-06 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14702_d8cb35-06 kb-section-is-sticky kb-section-dir-vertical o-sticky o-sticky-scope-main-area o-sticky-pos-top o-sticky-bhvr-keep\" data-aos=\"fade-right\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading14702_f59f22-25, .wp-block-kadence-advancedheading.kt-adv-heading14702_f59f22-25[data-kb-block=\"kb-adv-heading14702_f59f22-25\"]{font-size:var(--global-kb-font-size-lg, 2rem);font-style:normal;font-family:var( --global-heading-font-family, inherit );}.wp-block-kadence-advancedheading.kt-adv-heading14702_f59f22-25 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading14702_f59f22-25[data-kb-block=\"kb-adv-heading14702_f59f22-25\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading14702_f59f22-25 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading14702_f59f22-25[data-kb-block=\"kb-adv-heading14702_f59f22-25\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading14702_f59f22-25, .wp-block-kadence-advancedheading.kt-adv-heading14702_f59f22-25[data-kb-block=\"kb-adv-heading14702_f59f22-25\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading14702_f59f22-25, .wp-block-kadence-advancedheading.kt-adv-heading14702_f59f22-25[data-kb-block=\"kb-adv-heading14702_f59f22-25\"]{text-align:center!important;}}<\/style>\n<h4 class=\"kt-adv-heading14702_f59f22-25 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading14702_f59f22-25\">Besoin d\u2019aide pour concevoir un r\u00e9gime adapt\u00e9 \u00e0 votre entreprise ?<\/h4>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading14702_f478fd-af, .wp-block-kadence-advancedheading.kt-adv-heading14702_f478fd-af[data-kb-block=\"kb-adv-heading14702_f478fd-af\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading14702_f478fd-af mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading14702_f478fd-af[data-kb-block=\"kb-adv-heading14702_f478fd-af\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading14702_f478fd-af img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading14702_f478fd-af[data-kb-block=\"kb-adv-heading14702_f478fd-af\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading14702_f478fd-af, .wp-block-kadence-advancedheading.kt-adv-heading14702_f478fd-af[data-kb-block=\"kb-adv-heading14702_f478fd-af\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading14702_f478fd-af, .wp-block-kadence-advancedheading.kt-adv-heading14702_f478fd-af[data-kb-block=\"kb-adv-heading14702_f478fd-af\"]{text-align:center!important;}}<\/style>\n<p class=\"kt-adv-heading14702_f478fd-af wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading14702_f478fd-af\">Obtenez des conseils d\u2019experts pour concevoir et mettre en place un plan de retraite et d\u2019\u00e9pargne align\u00e9 sur vos avantages sociaux et vos objectifs d\u2019affaires.<\/p>\n<\/div><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column14702_a526ed-fb > .kt-inside-inner-col{display:flex;}.kadence-column14702_a526ed-fb > .kt-inside-inner-col,.kadence-column14702_a526ed-fb > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column14702_a526ed-fb > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14702_a526ed-fb > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column14702_a526ed-fb > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column14702_a526ed-fb{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14702_a526ed-fb{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14702_a526ed-fb > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column14702_a526ed-fb > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14702_a526ed-fb{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column14702_a526ed-fb{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14702_a526ed-fb{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14702_a526ed-fb > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column14702_a526ed-fb > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column14702_a526ed-fb{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14702_a526ed-fb{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14702_a526ed-fb > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column14702_a526ed-fb > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14702_a526ed-fb\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading14702_2f9639-e3, .wp-block-kadence-advancedheading.kt-adv-heading14702_2f9639-e3[data-kb-block=\"kb-adv-heading14702_2f9639-e3\"]{margin-bottom:var(--global-kb-spacing-xs, 1rem);text-align:center;font-size:var(--global-kb-font-size-md, 1.25rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading14702_2f9639-e3[data-kb-block=\"kb-adv-heading14702_2f9639-e3\"]{display:flex;gap:0.25em;justify-content:center;align-items:center;}.wp-block-kadence-advancedheading.kt-adv-heading14702_2f9639-e3[data-kb-block=\"kb-adv-heading14702_2f9639-e3\"] .kb-adv-heading-icon svg{width:1em;height:1em;}.wp-block-kadence-advancedheading.kt-adv-heading14702_2f9639-e3[data-kb-block=\"kb-adv-heading14702_2f9639-e3\"] .kb-adv-heading-icon{color:var(--global-palette1, #3182CE);}.wp-block-kadence-advancedheading.kt-adv-heading14702_2f9639-e3 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading14702_2f9639-e3[data-kb-block=\"kb-adv-heading14702_2f9639-e3\"] mark.kt-highlight{font-style:normal;color:var(--global-palette6, #718096);-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading14702_2f9639-e3 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading14702_2f9639-e3[data-kb-block=\"kb-adv-heading14702_2f9639-e3\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading14702_2f9639-e3, .wp-block-kadence-advancedheading.kt-adv-heading14702_2f9639-e3[data-kb-block=\"kb-adv-heading14702_2f9639-e3\"]{text-align:center!important;}}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading14702_2f9639-e3[data-kb-block=\"kb-adv-heading14702_2f9639-e3\"]{justify-content:center;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading14702_2f9639-e3, .wp-block-kadence-advancedheading.kt-adv-heading14702_2f9639-e3[data-kb-block=\"kb-adv-heading14702_2f9639-e3\"]{padding-bottom:0px;text-align:center!important;}.wp-block-kadence-advancedheading.kt-adv-heading14702_2f9639-e3[data-kb-block=\"kb-adv-heading14702_2f9639-e3\"]{justify-content:center;}}<\/style><p class=\"kt-adv-heading14702_2f9639-e3 wp-block-kadence-advancedheading kt-adv-heading-has-icon\" data-kb-block=\"kb-adv-heading14702_2f9639-e3\"><span class=\"kb-svg-icon-wrap kb-adv-heading-icon kb-svg-icon-fas_phone-square kb-adv-heading-icon-side-left\"><svg viewBox=\"0 0 448 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M400 32H48C21.49 32 0 53.49 0 80v352c0 26.51 21.49 48 48 48h352c26.51 0 48-21.49 48-48V80c0-26.51-21.49-48-48-48zM94 416c-7.033 0-13.057-4.873-14.616-11.627l-14.998-65a15 15 0 0 1 8.707-17.16l69.998-29.999a15 15 0 0 1 17.518 4.289l30.997 37.885c48.944-22.963 88.297-62.858 110.781-110.78l-37.886-30.997a15.001 15.001 0 0 1-4.289-17.518l30-69.998a15 15 0 0 1 17.16-8.707l65 14.998A14.997 14.997 0 0 1 384 126c0 160.292-129.945 290-290 290z\"\/><\/svg><\/span><span class=\"kb-adv-text-inner\"><a href=\"tel:1-866-760-3993\" data-type=\"tel\" data-id=\"tel:1-866-760-3993\"><mark class=\"kt-highlight\">Appelez-nous une estimation gratuite <\/mark><\/a><\/span><\/p>\n\n<style>.wp-block-kadence-advancedbtn.kb-btns14702_9008a2-8a{gap:var(--global-kb-gap-xs, 0.5rem );justify-content:center;align-items:center;}.kt-btns14702_9008a2-8a .kt-button{font-weight:normal;font-style:normal;}.kt-btns14702_9008a2-8a .kt-btn-wrap-0{margin-right:5px;}.wp-block-kadence-advancedbtn.kt-btns14702_9008a2-8a .kt-btn-wrap-0 .kt-button{color:#555555;border-color:#555555;}.wp-block-kadence-advancedbtn.kt-btns14702_9008a2-8a .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns14702_9008a2-8a .kt-btn-wrap-0 .kt-button:focus{color:#ffffff;border-color:#444444;}.wp-block-kadence-advancedbtn.kt-btns14702_9008a2-8a .kt-btn-wrap-0 .kt-button::before{display:none;}.wp-block-kadence-advancedbtn.kt-btns14702_9008a2-8a .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns14702_9008a2-8a .kt-btn-wrap-0 .kt-button:focus{background:#444444;}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn.kb-btns14702_9008a2-8a{justify-content:center;}}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn.kb-btns14702_9008a2-8a{justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-advancedbtn kb-buttons-wrap kb-btns14702_9008a2-8a\"><style>ul.menu .wp-block-kadence-advancedbtn .kb-btn14702_e00a14-fb.kb-button{width:initial;}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn .kb-btn14702_e00a14-fb.kb-button{font-size:var(--global-kb-font-size-sm, 0.9rem);}}<\/style><a class=\"kb-button kt-button button kb-btn14702_e00a14-fb kt-btn-size-standard kt-btn-width-type-auto kb-btn-global-inherit kt-btn-has-text-true kt-btn-has-svg-true wp-block-button__link wp-block-kadence-singlebtn\" href=\"https:\/\/twinn.ca\/fr\/contact\/\"><span class=\"kt-btn-inner-text\">Contacter Maintenant<\/span><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_arrowRightCircle kt-btn-icon-side-right\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><polyline points=\"12 16 16 12 12 8\"\/><line x1=\"8\" y1=\"12\" x2=\"16\" y2=\"12\"\/><\/svg><\/span><\/a><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"types-of-retirement-and-savings-plans\">Types de plans de retraite et d&rsquo;\u00e9pargne<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Aucun <a href=\"https:\/\/twinn.ca\/fr\/regime-retraite-employes\/\" data-type=\"link\" data-id=\"https:\/\/twinn.ca\/fr\/regime-retraite-employes\/\">r\u00e9gime de retraite<\/a> ne convient \u00e0 tous les employ\u00e9s ni \u00e0 toutes les entreprises. La structure du programme influence non seulement la fa\u00e7on dont l\u2019\u00e9pargne est accumul\u00e9e, mais aussi qui assume le risque de placement, la pr\u00e9visibilit\u00e9 du revenu \u00e0 la retraite et l\u2019attrait du r\u00e9gime dans un ensemble d\u2019avantages plus large. Voici un aper\u00e7u des principales options.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"defined-benefit-vs-defined-contribution\">R\u00e9gimes \u00e0 prestations d\u00e9termin\u00e9es (PD)<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Les <a href=\"https:\/\/twinn.ca\/fr\/regime-retraite-prestations-determinees\/\" data-type=\"link\" data-id=\"https:\/\/twinn.ca\/fr\/regime-retraite-prestations-determinees\/\">r\u00e9gimes \u00e0 prestations d\u00e9termin\u00e9es<\/a> garantissent aux employ\u00e9s un revenu fixe \u00e0 la retraite, g\u00e9n\u00e9ralement calcul\u00e9 selon les ann\u00e9es de service et le salaire. L\u2019employeur assume le risque de placement, ce qui assure une stabilit\u00e9 du revenu, peu importe les fluctuations du march\u00e9.<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items14702_38f805-4b:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14702_38f805-4b ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;padding-left:var(--global-kb-spacing-xs, 1rem);}.wp-block-kadence-iconlist.kt-svg-icon-list-items14702_38f805-4b ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14702_38f805-4b ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items14702_38f805-4b ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items14702_38f805-4b kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-14702_0b613e-09 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14702_0b613e-09\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_cornerDownRight kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"15 10 20 15 15 20\"\/><path d=\"M4 4v7a4 4 0 0 0 4 4h12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Variantes :<\/strong> r\u00e9mun\u00e9ration finale moyenne, moyenne de carri\u00e8re, ou formules hybrides combinant des \u00e9l\u00e9ments PD et CD.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14702_792b8f-ca .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14702_792b8f-ca\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_cornerDownRight kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"15 10 20 15 15 20\"\/><path d=\"M4 4v7a4 4 0 0 0 4 4h12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong><a href=\"https:\/\/twinn.ca\/fr\/regime-retraite-simplifie\/\" data-type=\"link\" data-id=\"https:\/\/twinn.ca\/fr\/regime-retraite-simplifie\/\">R\u00e9gime de retraite simplifi\u00e9 (RRS)<\/a> :<\/strong> option qu\u00e9b\u00e9coise all\u00e9g\u00e9e destin\u00e9e surtout aux PME, administr\u00e9e par une institution financi\u00e8re afin de r\u00e9duire la gestion interne.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"defined-contribution-dc-plans\">R\u00e9gimes \u00e0 cotisations d\u00e9termin\u00e9es (CD)<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Dans ce type de r\u00e9gime, les cotisations (de l\u2019employ\u00e9, de l\u2019employeur ou des deux) sont fixes, mais le revenu futur d\u00e9pend du rendement des placements. Le <a href=\"https:\/\/twinn.ca\/fr\/regime-cotisation-determinee\/\" data-type=\"link\" data-id=\"https:\/\/twinn.ca\/fr\/regime-cotisation-determinee\/\">r\u00e9gime \u00e0 cotisations d\u00e9termin\u00e9es<\/a> offre davantage de flexibilit\u00e9 et de portabilit\u00e9 aux employ\u00e9s, tout en donnant \u00e0 l\u2019employeur une meilleure pr\u00e9visibilit\u00e9 des co\u00fbts.<\/p>\n\n\n\n<h5 class=\"wp-block-heading has-medium-font-size\" id=\"principales-variantes-au-canada\">Principales variantes au Canada<\/h5>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items14702_300bb1-f7:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14702_300bb1-f7 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;padding-left:var(--global-kb-spacing-xs, 1rem);}.wp-block-kadence-iconlist.kt-svg-icon-list-items14702_300bb1-f7 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14702_300bb1-f7 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items14702_300bb1-f7 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items14702_300bb1-f7 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-14702_31268a-66 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14702_31268a-66\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_arrowRightCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><polyline points=\"12 16 16 12 12 8\"\/><line x1=\"8\" y1=\"12\" x2=\"16\" y2=\"12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>R\u00e9gime volontaire d\u2019\u00e9pargne-retraite (RVER)<\/strong> : \u00e9quivalent qu\u00e9b\u00e9cois du RPAC, obligatoire pour la plupart des employeurs de 10 employ\u00e9s ou plus.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14702_754152-eb .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14702_754152-eb\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_arrowRightCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><polyline points=\"12 16 16 12 12 8\"\/><line x1=\"8\" y1=\"12\" x2=\"16\" y2=\"12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>R\u00e9gime enregistr\u00e9 d\u2019\u00e9pargne-retraite collectif (REER collectif)<\/strong> : version en milieu de travail du REER, avec retenues salariales et souvent une contribution de l\u2019employeur. Simple, fiscalement avantageux et tr\u00e8s r\u00e9pandu.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14702_4e2504-56 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14702_4e2504-56\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_arrowRightCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><polyline points=\"12 16 16 12 12 8\"\/><line x1=\"8\" y1=\"12\" x2=\"16\" y2=\"12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>R\u00e9gime de pension agr\u00e9\u00e9 collectif (RPAC)<\/strong> : r\u00e9gime national \u00e0 faible co\u00fbt et faible administration, id\u00e9al pour les petites et moyennes entreprises.<\/span><\/li>\n<\/ul><\/div>\n\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id14702_7b7fd3-2d{margin-bottom:var(--global-kb-spacing-sm, 1.5rem);}.kb-row-layout-id14702_7b7fd3-2d > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id14702_7b7fd3-2d > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id14702_7b7fd3-2d > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-xs, 1rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id14702_7b7fd3-2d{border-top-left-radius:12px;border-top-right-radius:12px;border-bottom-right-radius:12px;border-bottom-left-radius:12px;overflow:clip;isolation:isolate;}.kb-row-layout-id14702_7b7fd3-2d > .kt-row-layout-overlay{border-top-left-radius:12px;border-top-right-radius:12px;border-bottom-right-radius:12px;border-bottom-left-radius:12px;}.kb-row-layout-id14702_7b7fd3-2d{box-shadow:0px 3px 24px 8px rgba(0, 0, 0, 0.2);}.kb-row-layout-id14702_7b7fd3-2d > .kt-row-layout-overlay{opacity:0.25;}@media all and (max-width: 1024px){.kb-row-layout-id14702_7b7fd3-2d > .kt-row-column-wrap{padding-top:var(--global-kb-spacing-lg, 3rem);padding-right:var(--global-kb-spacing-xxs, 0.5rem);padding-bottom:var(--global-kb-spacing-lg, 3rem);padding-left:var(--global-kb-spacing-xxs, 0.5rem);grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id14702_7b7fd3-2d > .kt-row-column-wrap{padding-top:var(--global-kb-spacing-md, 2rem);padding-right:var(--global-kb-spacing-xxs, 0.5rem);padding-bottom:var(--global-kb-spacing-md, 2rem);padding-left:var(--global-kb-spacing-xxs, 0.5rem);grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id14702_7b7fd3-2d alignnone kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column14702_b954fa-dd > .kt-inside-inner-col,.kadence-column14702_b954fa-dd > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column14702_b954fa-dd > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14702_b954fa-dd > .kt-inside-inner-col{flex-direction:column;}.kadence-column14702_b954fa-dd > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14702_b954fa-dd > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14702_b954fa-dd, .kadence-column14702_b954fa-dd h1, .kadence-column14702_b954fa-dd h2, .kadence-column14702_b954fa-dd h3, .kadence-column14702_b954fa-dd h4, .kadence-column14702_b954fa-dd h5, .kadence-column14702_b954fa-dd h6{color:var(--global-palette5, #4A5568);}.kadence-column14702_b954fa-dd{position:relative;}@media all and (max-width: 1024px){.kadence-column14702_b954fa-dd > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column14702_b954fa-dd > .kt-inside-inner-col{padding-right:0px;padding-left:0px;flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14702_b954fa-dd\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading14702_e59b98-aa, .wp-block-kadence-advancedheading.kt-adv-heading14702_e59b98-aa[data-kb-block=\"kb-adv-heading14702_e59b98-aa\"]{font-size:var(--global-kb-font-size-md, 1.25rem);font-style:normal;border-left:2px solid transparent;}.wp-block-kadence-advancedheading.kt-adv-heading14702_e59b98-aa[data-kb-block=\"kb-adv-heading14702_e59b98-aa\"]{display:flex;gap:0.25em;align-items:center;}.wp-block-kadence-advancedheading.kt-adv-heading14702_e59b98-aa[data-kb-block=\"kb-adv-heading14702_e59b98-aa\"] .kb-adv-heading-icon svg{width:1em;height:1em;}.wp-block-kadence-advancedheading.kt-adv-heading14702_e59b98-aa[data-kb-block=\"kb-adv-heading14702_e59b98-aa\"] .kb-adv-heading-icon{color:#08a102;}.wp-block-kadence-advancedheading.kt-adv-heading14702_e59b98-aa mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading14702_e59b98-aa[data-kb-block=\"kb-adv-heading14702_e59b98-aa\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading14702_e59b98-aa img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading14702_e59b98-aa[data-kb-block=\"kb-adv-heading14702_e59b98-aa\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading14702_e59b98-aa, .wp-block-kadence-advancedheading.kt-adv-heading14702_e59b98-aa[data-kb-block=\"kb-adv-heading14702_e59b98-aa\"]{border-left:2px solid transparent;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading14702_e59b98-aa, .wp-block-kadence-advancedheading.kt-adv-heading14702_e59b98-aa[data-kb-block=\"kb-adv-heading14702_e59b98-aa\"]{border-left:2px solid transparent;}}<\/style><h5 class=\"kt-adv-heading14702_e59b98-aa wp-block-kadence-advancedheading kt-adv-heading-has-icon has-theme-palette5-color has-text-color\" data-kb-block=\"kb-adv-heading14702_e59b98-aa\"><span class=\"kb-svg-icon-wrap kb-adv-heading-icon kb-svg-icon-fas_question-circle kb-adv-heading-icon-side-left\"><svg viewBox=\"0 0 512 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M504 256c0 136.997-111.043 248-248 248S8 392.997 8 256C8 119.083 119.043 8 256 8s248 111.083 248 248zM262.655 90c-54.497 0-89.255 22.957-116.549 63.758-3.536 5.286-2.353 12.415 2.715 16.258l34.699 26.31c5.205 3.947 12.621 3.008 16.665-2.122 17.864-22.658 30.113-35.797 57.303-35.797 20.429 0 45.698 13.148 45.698 32.958 0 14.976-12.363 22.667-32.534 33.976C247.128 238.528 216 254.941 216 296v4c0 6.627 5.373 12 12 12h56c6.627 0 12-5.373 12-12v-1.333c0-28.462 83.186-29.647 83.186-106.667 0-58.002-60.165-102-116.531-102zM256 338c-25.365 0-46 20.635-46 46 0 25.364 20.635 46 46 46s46-20.636 46-46c0-25.365-20.635-46-46-46z\"\/><\/svg><\/span><span class=\"kb-adv-text-inner\">REER collectif vs REER individuel<\/span><\/h5>\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading14702_72e9c4-d8, .wp-block-kadence-advancedheading.kt-adv-heading14702_72e9c4-d8[data-kb-block=\"kb-adv-heading14702_72e9c4-d8\"]{padding-left:var(--global-kb-spacing-xs, 1rem);margin-left:var(--global-kb-spacing-xs, 1rem);font-style:normal;border-left:2px solid #08a102;}.wp-block-kadence-advancedheading.kt-adv-heading14702_72e9c4-d8 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading14702_72e9c4-d8[data-kb-block=\"kb-adv-heading14702_72e9c4-d8\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading14702_72e9c4-d8 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading14702_72e9c4-d8[data-kb-block=\"kb-adv-heading14702_72e9c4-d8\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading14702_72e9c4-d8, .wp-block-kadence-advancedheading.kt-adv-heading14702_72e9c4-d8[data-kb-block=\"kb-adv-heading14702_72e9c4-d8\"]{border-left:2px solid #08a102;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading14702_72e9c4-d8, .wp-block-kadence-advancedheading.kt-adv-heading14702_72e9c4-d8[data-kb-block=\"kb-adv-heading14702_72e9c4-d8\"]{border-left:2px solid #08a102;}}<\/style>\n<p class=\"kt-adv-heading14702_72e9c4-d8 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading14702_72e9c4-d8\">Les deux sont des v\u00e9hicules d\u2019\u00e9pargne enregistr\u00e9s, mais le REER collectif est parrain\u00e9 par l\u2019employeur, ce qui le rend plus simple \u00e0 g\u00e9rer et souvent plus abordable. Lorsqu\u2019un employ\u00e9 quitte l\u2019entreprise, il peut g\u00e9n\u00e9ralement transf\u00e9rer ses \u00e9conomies dans un REER personnel.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">Pour de nombreuses organisations, les r\u00e9gimes \u00e0 cotisations d\u00e9termin\u00e9es (y compris les REER collectifs) repr\u00e9sentent un bon \u00e9quilibre entre la valeur offerte aux employ\u00e9s et la ma\u00eetrise des co\u00fbts pour l\u2019employeur.<\/p>\n<\/blockquote>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"other-employer-contribution-vehicles\">Autres v\u00e9hicules de contribution pour employeurs<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Au-del\u00e0 des plans de retraite et d&rsquo;\u00e9pargne classiques, les employeurs disposent d\u2019autres moyens d\u2019aider leurs employ\u00e9s \u00e0 b\u00e2tir un patrimoine \u00e0 long terme. Ces outils ne sont pas toujours des r\u00e9gimes de retraite formels, mais ils peuvent jouer un r\u00f4le cl\u00e9 dans une strat\u00e9gie d\u2019avantages sociaux compl\u00e8te.<\/p>\n\n\n<style>.kt-accordion-id14702_28fa8b-34 .kt-accordion-inner-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:8px;}.kt-accordion-id14702_28fa8b-34 .kt-accordion-panel-inner{padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-sm, 1.5rem);}.kt-accordion-id14702_28fa8b-34 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header{background:var(--global-palette8, #F7FAFC);color:var(--global-palette2, #2B6CB0);padding-top:var(--global-kb-spacing-xxs, 0.5rem);padding-right:var(--global-kb-spacing-xs, 1rem);padding-bottom:var(--global-kb-spacing-xxs, 0.5rem);padding-left:var(--global-kb-spacing-xs, 1rem);}.kt-accordion-id14702_28fa8b-34:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id14702_28fa8b-34:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap .kt-blocks-accordion-icon-trigger:before{background:var(--global-palette2, #2B6CB0);}.kt-accordion-id14702_28fa8b-34:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger{background:var(--global-palette2, #2B6CB0);}.kt-accordion-id14702_28fa8b-34:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id14702_28fa8b-34:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger:before{background:var(--global-palette8, #F7FAFC);}.kt-accordion-id14702_28fa8b-34 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header:hover, \n\t\t\t\tbody:not(.hide-focus-outline) .kt-accordion-id14702_28fa8b-34 .kt-blocks-accordion-header:focus-visible{color:var(--global-palette2, #2B6CB0);background:var(--global-palette5, #4A5568);}.kt-accordion-id14702_28fa8b-34:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id14702_28fa8b-34:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:before, body:not(.hide-focus-outline) .kt-accordion-id14702_28fa8b-34:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion--visible .kt-blocks-accordion-icon-trigger:after, body:not(.hide-focus-outline) .kt-accordion-id14702_28fa8b-34:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger:before{background:var(--global-palette2, #2B6CB0);}.kt-accordion-id14702_28fa8b-34:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger, body:not(.hide-focus-outline) .kt-accordion-id14702_28fa8b-34:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger{background:var(--global-palette2, #2B6CB0);}.kt-accordion-id14702_28fa8b-34:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id14702_28fa8b-34:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:before, body:not(.hide-focus-outline) .kt-accordion-id14702_28fa8b-34:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger:after, body:not(.hide-focus-outline) .kt-accordion-id14702_28fa8b-34:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger:before{background:var(--global-palette5, #4A5568);}@media all and (max-width: 767px){.kt-accordion-id14702_28fa8b-34 .kt-accordion-inner-wrap{display:block;}.kt-accordion-id14702_28fa8b-34 .kt-accordion-inner-wrap .kt-accordion-pane:not(:first-child){margin-top:8px;}}<\/style>\n<div class=\"wp-block-kadence-accordion alignnone\"><div class=\"kt-accordion-wrap kt-accordion-id14702_28fa8b-34 kt-accordion-has-5-panes kt-active-pane-1 kt-accordion-block kt-pane-header-alignment-left kt-accodion-icon-style-arrow kt-accodion-icon-side-right\" style=\"max-width:none\"><div class=\"kt-accordion-inner-wrap\" data-allow-multiple-open=\"false\" data-start-open=\"1\">\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-1 kt-pane14702_19581a-bc\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">Partage des profits<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\"><style>.wp-block-kadence-iconlist.kt-svg-icon-list-items14702_15f149-e3:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14702_15f149-e3 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14702_15f149-e3 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14702_15f149-e3 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items14702_15f149-e3 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items14702_15f149-e3 kt-svg-icon-list-columns-1 alignnone kt-list-icon-aligntop\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-14702_5c9290-66 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14702_5c9290-66\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_arrowRightCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><polyline points=\"12 16 16 12 12 8\"\/><line x1=\"8\" y1=\"12\" x2=\"16\" y2=\"12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>R\u00e9gimes de participation diff\u00e9r\u00e9e aux b\u00e9n\u00e9fices (RPDB) :<\/strong> l\u2019employeur partage les profits de l\u2019entreprise en versant directement des cotisations dans les comptes des employ\u00e9s.<br>Les cotisations sont diff\u00e9r\u00e9es d\u2019imp\u00f4t, mais seul l\u2019employeur peut y contribuer. Les RPDB sont souvent jumel\u00e9s \u00e0 un REER collectif pour offrir un programme d\u2019\u00e9pargne \u00e9quilibr\u00e9.  <\/span><\/li>\n<\/ul><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-2 kt-pane14702_be8e52-cb\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">Options d\u2019\u00e9pargne flexibles<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\"><style>.wp-block-kadence-iconlist.kt-svg-icon-list-items14702_a42d6e-8d:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14702_a42d6e-8d ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14702_a42d6e-8d ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14702_a42d6e-8d ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items14702_a42d6e-8d ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items14702_a42d6e-8d kt-svg-icon-list-columns-1 alignnone kt-list-icon-aligntop\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-14702_dabdf3-f4 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14702_dabdf3-f4\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_arrowRightCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><polyline points=\"12 16 16 12 12 8\"\/><line x1=\"8\" y1=\"12\" x2=\"16\" y2=\"12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Comptes d\u2019\u00e9pargne libre d\u2019imp\u00f4t (CELI) :<\/strong> bien qu\u2019ils ne soient pas des r\u00e9gimes de retraite, certains employeurs permettent des cotisations automatiques via la paie.<br>Les cotisations ne sont pas d\u00e9ductibles d\u2019imp\u00f4t, mais les retraits sont libres d\u2019imp\u00f4t, ce qui les rend id\u00e9aux pour des objectifs \u00e0 court ou moyen terme.  <\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14702_03325a-e2 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14702_03325a-e2\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_arrowRightCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><polyline points=\"12 16 16 12 12 8\"\/><line x1=\"8\" y1=\"12\" x2=\"16\" y2=\"12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>R\u00e9gimes d\u2019\u00e9pargne non enregistr\u00e9s :<\/strong> ces r\u00e9gimes patronaux ne b\u00e9n\u00e9ficient pas du statut fiscal des r\u00e9gimes enregistr\u00e9s. Les cotisations sont faites apr\u00e8s imp\u00f4t et les rendements sont imposables.<br>Moins courants, ils peuvent toutefois \u00eatre utiles lorsque les employ\u00e9s ont atteint leurs plafonds de cotisation enregistr\u00e9e.  <\/span><\/li>\n<\/ul><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-3 kt-pane14702_7355c5-42\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">Programmes pour cadres et employ\u00e9s \u00e0 revenu \u00e9lev\u00e9<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\"><style>.wp-block-kadence-iconlist.kt-svg-icon-list-items14702_54e033-cb:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14702_54e033-cb ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14702_54e033-cb ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14702_54e033-cb ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items14702_54e033-cb ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items14702_54e033-cb kt-svg-icon-list-columns-1 alignnone kt-list-icon-aligntop\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-14702_4ef12d-a7 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14702_4ef12d-a7\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_arrowRightCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><polyline points=\"12 16 16 12 12 8\"\/><line x1=\"8\" y1=\"12\" x2=\"16\" y2=\"12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>R\u00e9gimes suppl\u00e9mentaires de retraite (RSR) : <\/strong>con\u00e7us pour les cadres ou employ\u00e9s hautement r\u00e9mun\u00e9r\u00e9s, ces r\u00e9gimes offrent des prestations additionnelles au-del\u00e0 des limites des r\u00e9gimes enregistr\u00e9s.<br>Bien qu\u2019ils ne soient pas \u00e0 l\u2019abri de l\u2019imp\u00f4t comme les REER ou les r\u00e9gimes de pension, ils demeurent un outil de fid\u00e9lisation pr\u00e9cieux pour la haute direction. <\/span><\/li>\n<\/ul><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-4 kt-pane14702_5d04b8-a2\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">Equity &amp; Bonus-Linked Plans<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p class=\"wp-block-paragraph\">Au-del\u00e0 des r\u00e9gimes traditionnels, certaines entreprises compl\u00e8tent leur offre avec des <a href=\"https:\/\/www.bdc.ca\/fr\/articles-outils\/employes\/gerer\/comment-utiliser-options-sur-actions-pour-recruter-garder-motiver-employes-entreprise-en-demarrage\" data-type=\"link\" data-id=\"https:\/\/www.bdc.ca\/fr\/articles-outils\/employes\/gerer\/comment-utiliser-options-sur-actions-pour-recruter-garder-motiver-employes-entreprise-en-demarrage\" target=\"_blank\" rel=\"noopener\">programmes li\u00e9s \u00e0 la performance<\/a> ou \u00e0 la valeur de l\u2019entreprise. Ces initiatives ne remplacent pas un r\u00e9gime de retraite, mais elles renforcent la participation et l\u2019engagement.<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items14702_46d884-8d:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14702_46d884-8d ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14702_46d884-8d ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14702_46d884-8d ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items14702_46d884-8d ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items14702_46d884-8d kt-svg-icon-list-columns-1 alignnone kt-list-icon-aligntop\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-14702_dc11d9-8a .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14702_dc11d9-8a\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_arrowRightCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><polyline points=\"12 16 16 12 12 8\"\/><line x1=\"8\" y1=\"12\" x2=\"16\" y2=\"12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Options d\u2019achat d\u2019actions et r\u00e9gimes d\u2019actionnariat (RAE) :<\/strong> permettent aux employ\u00e9s d\u2019acheter des actions de l\u2019entreprise \u00e0 prix r\u00e9duit, liant directement leur r\u00e9ussite financi\u00e8re \u00e0 celle de l\u2019organisation.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14702_dc5a3e-db .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14702_dc5a3e-db\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_arrowRightCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><polyline points=\"12 16 16 12 12 8\"\/><line x1=\"8\" y1=\"12\" x2=\"16\" y2=\"12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Primes de rendement :<\/strong> certaines entreprises offrent la possibilit\u00e9 de diriger une partie des primes vers les r\u00e9gimes d\u2019\u00e9pargne, encourageant ainsi l\u2019\u00e9pargne \u00e0 long terme.<\/span><\/li>\n<\/ul><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div>\n\n\n<style>.kb-image14702_8294db-8a:not(.kb-image-is-ratio-size) .kb-img, .kb-image14702_8294db-8a.kb-image-is-ratio-size{padding-top:var(--global-kb-spacing-lg, 3rem);padding-bottom:0px;}.kb-image14702_8294db-8a .kb-image-has-overlay:after{opacity:0.3;}<\/style>\n<figure class=\"wp-block-kadence-image kb-image14702_8294db-8a size-full\"><img decoding=\"async\" width=\"1000\" height=\"563\" src=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/09\/smart-businesswoman-present-start-up-project-while-executive-manager-listen-carefully-professional-business-team-working-together-sharing-discussing-thinking-about-business-idea-tracery.webp\" alt=\"\" class=\"kb-img wp-image-14502\" srcset=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/09\/smart-businesswoman-present-start-up-project-while-executive-manager-listen-carefully-professional-business-team-working-together-sharing-discussing-thinking-about-business-idea-tracery.webp 1000w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/09\/smart-businesswoman-present-start-up-project-while-executive-manager-listen-carefully-professional-business-team-working-together-sharing-discussing-thinking-about-business-idea-tracery-300x169.webp 300w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/09\/smart-businesswoman-present-start-up-project-while-executive-manager-listen-carefully-professional-business-team-working-together-sharing-discussing-thinking-about-business-idea-tracery-768x432.webp 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id14702_a09568-97{margin-top:var(--global-kb-spacing-sm, 1.5rem);margin-bottom:var(--global-kb-spacing-sm, 1.5rem);}.kb-row-layout-id14702_a09568-97 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id14702_a09568-97 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id14702_a09568-97 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:minmax(0, calc(65% - ((var(--global-kb-gap-none, 0rem ) * 1 )\/2)))minmax(0, calc(35% - ((var(--global-kb-gap-none, 0rem ) * 1 )\/2)));}.kb-row-layout-id14702_a09568-97{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;overflow:clip;isolation:isolate;}.kb-row-layout-id14702_a09568-97 > .kt-row-layout-overlay{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;}.kb-row-layout-id14702_a09568-97 > .kt-row-layout-overlay{opacity:0.17;background:linear-gradient(90deg,var(--global-palette2) 3%,var(--global-palette6,#f2f0e8) 100%);}@media all and (max-width: 1024px){.kb-row-layout-id14702_a09568-97 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-md, 2rem);grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id14702_a09568-97 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id14702_a09568-97 alignnone has-theme-palette8-background-color kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-layout-overlay kt-row-overlay-gradient\"><\/div><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-left-golden kt-tab-layout-row kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column14702_a4b9b6-2e > .kt-inside-inner-col,.kadence-column14702_a4b9b6-2e > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column14702_a4b9b6-2e > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14702_a4b9b6-2e > .kt-inside-inner-col{flex-direction:column;}.kadence-column14702_a4b9b6-2e > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14702_a4b9b6-2e > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14702_a4b9b6-2e{position:relative;}@media all and (max-width: 1024px){.kadence-column14702_a4b9b6-2e > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column14702_a4b9b6-2e > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14702_a4b9b6-2e\"><div class=\"kt-inside-inner-col\"><style>.kadence-column14702_6f80a3-64 > .kt-inside-inner-col{display:flex;}#wrapper.site{overflow:clip;}.kadence-column14702_6f80a3-64{--kb-section-setting-offset:90px;}.kadence-column14702_6f80a3-64 > .kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kadence-column14702_6f80a3-64 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14702_6f80a3-64 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column14702_6f80a3-64 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column14702_6f80a3-64{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14702_6f80a3-64{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14702_6f80a3-64 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column14702_6f80a3-64 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14702_6f80a3-64{text-align:left;}.kadence-column14702_6f80a3-64{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column14702_6f80a3-64{align-self:flex-start;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14702_6f80a3-64{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14702_6f80a3-64 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 1024px){.kadence-column14702_6f80a3-64 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column14702_6f80a3-64{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14702_6f80a3-64{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14702_6f80a3-64 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column14702_6f80a3-64 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14702_6f80a3-64 kb-section-is-sticky kb-section-dir-vertical o-sticky o-sticky-scope-main-area o-sticky-pos-top o-sticky-bhvr-keep\" data-aos=\"fade-right\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading14702_2d11ff-9f, .wp-block-kadence-advancedheading.kt-adv-heading14702_2d11ff-9f[data-kb-block=\"kb-adv-heading14702_2d11ff-9f\"]{font-size:var(--global-kb-font-size-lg, 2rem);font-style:normal;font-family:var( --global-heading-font-family, inherit );}.wp-block-kadence-advancedheading.kt-adv-heading14702_2d11ff-9f mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading14702_2d11ff-9f[data-kb-block=\"kb-adv-heading14702_2d11ff-9f\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading14702_2d11ff-9f img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading14702_2d11ff-9f[data-kb-block=\"kb-adv-heading14702_2d11ff-9f\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading14702_2d11ff-9f, .wp-block-kadence-advancedheading.kt-adv-heading14702_2d11ff-9f[data-kb-block=\"kb-adv-heading14702_2d11ff-9f\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading14702_2d11ff-9f, .wp-block-kadence-advancedheading.kt-adv-heading14702_2d11ff-9f[data-kb-block=\"kb-adv-heading14702_2d11ff-9f\"]{text-align:center!important;}}<\/style>\n<h4 class=\"kt-adv-heading14702_2d11ff-9f wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading14702_2d11ff-9f\">Besoin d\u2019aide pour concevoir un r\u00e9gime adapt\u00e9 \u00e0 votre entreprise ?<\/h4>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading14702_b57fe6-3b, .wp-block-kadence-advancedheading.kt-adv-heading14702_b57fe6-3b[data-kb-block=\"kb-adv-heading14702_b57fe6-3b\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading14702_b57fe6-3b mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading14702_b57fe6-3b[data-kb-block=\"kb-adv-heading14702_b57fe6-3b\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading14702_b57fe6-3b img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading14702_b57fe6-3b[data-kb-block=\"kb-adv-heading14702_b57fe6-3b\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading14702_b57fe6-3b, .wp-block-kadence-advancedheading.kt-adv-heading14702_b57fe6-3b[data-kb-block=\"kb-adv-heading14702_b57fe6-3b\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading14702_b57fe6-3b, .wp-block-kadence-advancedheading.kt-adv-heading14702_b57fe6-3b[data-kb-block=\"kb-adv-heading14702_b57fe6-3b\"]{text-align:center!important;}}<\/style>\n<p class=\"kt-adv-heading14702_b57fe6-3b wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading14702_b57fe6-3b\">Obtenez des conseils d\u2019experts pour concevoir et mettre en place un plan de retraite et d\u2019\u00e9pargne align\u00e9 sur vos avantages sociaux et vos objectifs d\u2019affaires.<\/p>\n<\/div><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column14702_1cf694-31 > .kt-inside-inner-col{display:flex;}.kadence-column14702_1cf694-31 > .kt-inside-inner-col,.kadence-column14702_1cf694-31 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column14702_1cf694-31 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14702_1cf694-31 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column14702_1cf694-31 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column14702_1cf694-31{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14702_1cf694-31{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14702_1cf694-31 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column14702_1cf694-31 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14702_1cf694-31{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column14702_1cf694-31{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14702_1cf694-31{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14702_1cf694-31 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column14702_1cf694-31 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column14702_1cf694-31{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14702_1cf694-31{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14702_1cf694-31 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column14702_1cf694-31 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14702_1cf694-31\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading14702_8d2a07-98, .wp-block-kadence-advancedheading.kt-adv-heading14702_8d2a07-98[data-kb-block=\"kb-adv-heading14702_8d2a07-98\"]{margin-bottom:var(--global-kb-spacing-xs, 1rem);text-align:center;font-size:var(--global-kb-font-size-md, 1.25rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading14702_8d2a07-98[data-kb-block=\"kb-adv-heading14702_8d2a07-98\"]{display:flex;gap:0.25em;justify-content:center;align-items:center;}.wp-block-kadence-advancedheading.kt-adv-heading14702_8d2a07-98[data-kb-block=\"kb-adv-heading14702_8d2a07-98\"] .kb-adv-heading-icon svg{width:1em;height:1em;}.wp-block-kadence-advancedheading.kt-adv-heading14702_8d2a07-98[data-kb-block=\"kb-adv-heading14702_8d2a07-98\"] .kb-adv-heading-icon{color:var(--global-palette1, #3182CE);}.wp-block-kadence-advancedheading.kt-adv-heading14702_8d2a07-98 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading14702_8d2a07-98[data-kb-block=\"kb-adv-heading14702_8d2a07-98\"] mark.kt-highlight{font-style:normal;color:var(--global-palette6, #718096);-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading14702_8d2a07-98 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading14702_8d2a07-98[data-kb-block=\"kb-adv-heading14702_8d2a07-98\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading14702_8d2a07-98, .wp-block-kadence-advancedheading.kt-adv-heading14702_8d2a07-98[data-kb-block=\"kb-adv-heading14702_8d2a07-98\"]{text-align:center!important;}}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading14702_8d2a07-98[data-kb-block=\"kb-adv-heading14702_8d2a07-98\"]{justify-content:center;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading14702_8d2a07-98, .wp-block-kadence-advancedheading.kt-adv-heading14702_8d2a07-98[data-kb-block=\"kb-adv-heading14702_8d2a07-98\"]{padding-bottom:0px;text-align:center!important;}.wp-block-kadence-advancedheading.kt-adv-heading14702_8d2a07-98[data-kb-block=\"kb-adv-heading14702_8d2a07-98\"]{justify-content:center;}}<\/style><p class=\"kt-adv-heading14702_8d2a07-98 wp-block-kadence-advancedheading kt-adv-heading-has-icon\" data-kb-block=\"kb-adv-heading14702_8d2a07-98\"><span class=\"kb-svg-icon-wrap kb-adv-heading-icon kb-svg-icon-fas_phone-square kb-adv-heading-icon-side-left\"><svg viewBox=\"0 0 448 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M400 32H48C21.49 32 0 53.49 0 80v352c0 26.51 21.49 48 48 48h352c26.51 0 48-21.49 48-48V80c0-26.51-21.49-48-48-48zM94 416c-7.033 0-13.057-4.873-14.616-11.627l-14.998-65a15 15 0 0 1 8.707-17.16l69.998-29.999a15 15 0 0 1 17.518 4.289l30.997 37.885c48.944-22.963 88.297-62.858 110.781-110.78l-37.886-30.997a15.001 15.001 0 0 1-4.289-17.518l30-69.998a15 15 0 0 1 17.16-8.707l65 14.998A14.997 14.997 0 0 1 384 126c0 160.292-129.945 290-290 290z\"\/><\/svg><\/span><span class=\"kb-adv-text-inner\"><a href=\"tel:1-866-760-3993\" data-type=\"tel\" data-id=\"tel:1-866-760-3993\"><mark class=\"kt-highlight\">Appelez-nous une estimation gratuite <\/mark><\/a><\/span><\/p>\n\n<style>.wp-block-kadence-advancedbtn.kb-btns14702_658d72-a1{gap:var(--global-kb-gap-xs, 0.5rem );justify-content:center;align-items:center;}.kt-btns14702_658d72-a1 .kt-button{font-weight:normal;font-style:normal;}.kt-btns14702_658d72-a1 .kt-btn-wrap-0{margin-right:5px;}.wp-block-kadence-advancedbtn.kt-btns14702_658d72-a1 .kt-btn-wrap-0 .kt-button{color:#555555;border-color:#555555;}.wp-block-kadence-advancedbtn.kt-btns14702_658d72-a1 .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns14702_658d72-a1 .kt-btn-wrap-0 .kt-button:focus{color:#ffffff;border-color:#444444;}.wp-block-kadence-advancedbtn.kt-btns14702_658d72-a1 .kt-btn-wrap-0 .kt-button::before{display:none;}.wp-block-kadence-advancedbtn.kt-btns14702_658d72-a1 .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns14702_658d72-a1 .kt-btn-wrap-0 .kt-button:focus{background:#444444;}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn.kb-btns14702_658d72-a1{justify-content:center;}}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn.kb-btns14702_658d72-a1{justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-advancedbtn kb-buttons-wrap kb-btns14702_658d72-a1\"><style>ul.menu .wp-block-kadence-advancedbtn .kb-btn14702_637353-ed.kb-button{width:initial;}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn .kb-btn14702_637353-ed.kb-button{font-size:var(--global-kb-font-size-sm, 0.9rem);}}<\/style><a class=\"kb-button kt-button button kb-btn14702_637353-ed kt-btn-size-standard kt-btn-width-type-auto kb-btn-global-inherit kt-btn-has-text-true kt-btn-has-svg-true wp-block-button__link wp-block-kadence-singlebtn\" href=\"https:\/\/twinn.ca\/fr\/contact\/\"><span class=\"kt-btn-inner-text\">Contacter Maintenant<\/span><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_arrowRightCircle kt-btn-icon-side-right\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><polyline points=\"12 16 16 12 12 8\"\/><line x1=\"8\" y1=\"12\" x2=\"16\" y2=\"12\"\/><\/svg><\/span><\/a><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"mettre-le-tout-en-place-batir-des-plans-de-retraite-et-d-epargne-pour-votre-equipe\">Mettre le tout en place : b\u00e2tir des plans de retraite et d\u2019\u00e9pargne pour votre \u00e9quipe<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Cr\u00e9er un bon r\u00e9gime collectif commence rarement de z\u00e9ro. Les employeurs se demandent d\u2019abord : <em>quels sont les besoins de mes employ\u00e9s et jusqu\u2019o\u00f9 l\u2019organisation peut-elle aller financi\u00e8rement ?<\/em> Ensuite vient le choix du type de r\u00e9gime (\u00e0 prestations d\u00e9termin\u00e9es ou \u00e0 cotisations d\u00e9termin\u00e9es) et du v\u00e9hicule d\u2019\u00e9pargne le plus adapt\u00e9 (REER, CELI, RPAC, RVER ou RRNP).<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"etape-0-s-entourer-des-bons-experts\">\u00c9tape 0 : S\u2019entourer des bons experts<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Avant de plonger seul dans la conception d\u2019un r\u00e9gime, il vaut mieux collaborer avec des fournisseurs ou des <a href=\"https:\/\/twinn.ca\/fr\/services\/regime-retraite-collectif\/\" data-type=\"link\" data-id=\"https:\/\/twinn.ca\/fr\/services\/regime-retraite-collectif\/\">conseillers sp\u00e9cialis\u00e9s en avantages sociaux<\/a>. Ils veillent \u00e0 la conformit\u00e9, optimisent les cotisations et adaptent le r\u00e9gime \u00e0 la r\u00e9alit\u00e9 de votre entreprise \u2014 un atout essentiel, surtout au Qu\u00e9bec, o\u00f9 la r\u00e9glementation peut vite devenir un casse-t\u00eate.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Leur r\u00f4le? Vous aider \u00e0 <strong>choisir le bon type de plan, \u00e9tablir une strat\u00e9gie de cotisation, d\u00e9finir les r\u00e8gles d\u2019acquisition, ajuster le r\u00e9gime au fil du temps et former les employ\u00e9s<\/strong>. Sans ce soutien, m\u00eame un excellent plan de retraite et d&rsquo;\u00e9pargne risque de passer inaper\u00e7u si les employ\u00e9s n\u2019en comprennent pas les avantages.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"etape-1-comprendre-votre-main-d-oeuvre\">\u00c9tape 1 : Comprendre votre main-d\u2019\u0153uvre<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Le r\u00e9gime id\u00e9al d\u00e9pend de qui compose votre \u00e9quipe et de ce qu\u2019elle valorise. Un plan con\u00e7u pour fid\u00e9liser les employ\u00e9s de carri\u00e8re ne conviendra pas forc\u00e9ment \u00e0 une g\u00e9n\u00e9ration plus mobile qui privil\u00e9gie la flexibilit\u00e9.<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items14702_6e7a58-ad:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14702_6e7a58-ad ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;padding-left:var(--global-kb-spacing-xs, 1rem);}.wp-block-kadence-iconlist.kt-svg-icon-list-items14702_6e7a58-ad ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14702_6e7a58-ad ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items14702_6e7a58-ad ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items14702_6e7a58-ad kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-14702_11ec1b-16 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14702_11ec1b-16\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_arrowRightCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><polyline points=\"12 16 16 12 12 8\"\/><line x1=\"8\" y1=\"12\" x2=\"16\" y2=\"12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Personnel stable et exp\u00e9riment\u00e9<\/strong> : les r\u00e9gimes \u00e0 prestations d\u00e9termin\u00e9es (PD) r\u00e9compensent la loyaut\u00e9 et r\u00e9duisent le roulement.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14702_c06243-00 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14702_c06243-00\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_arrowRightCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><polyline points=\"12 16 16 12 12 8\"\/><line x1=\"8\" y1=\"12\" x2=\"16\" y2=\"12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Main-d\u2019\u0153uvre jeune et mobile<\/strong> : les r\u00e9gimes \u00e0 cotisations d\u00e9termin\u00e9es (CD) ou les REER collectifs sont plus portables.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14702_7682ad-75 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14702_7682ad-75\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_arrowRightCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><polyline points=\"12 16 16 12 12 8\"\/><line x1=\"8\" y1=\"12\" x2=\"16\" y2=\"12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Petites entreprises ou organisations en croissance<\/strong> : les RPAC ou RVER (au Qu\u00e9bec) offrent une solution simple, \u00e9conomique et peu exigeante \u00e0 administrer.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"etape-2-determiner-un-budget-de-cotisation-realiste\">\u00c9tape 2 : D\u00e9terminer un budget de cotisation r\u00e9aliste<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Mieux vaut un r\u00e9gime modeste mais durable qu\u2019un plan trop g\u00e9n\u00e9reux \u00e0 court terme. L\u2019important est de d\u00e9finir ce que l\u2019entreprise peut verser de fa\u00e7on constante, sans se fragiliser. La structure de cotisation influence aussi la perception de valeur du r\u00e9gime.<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items14702_65b060-7a:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14702_65b060-7a ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;padding-left:var(--global-kb-spacing-xs, 1rem);}.wp-block-kadence-iconlist.kt-svg-icon-list-items14702_65b060-7a ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14702_65b060-7a ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items14702_65b060-7a ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items14702_65b060-7a kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-14702_cc2301-e1 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14702_cc2301-e1\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Budget plus \u00e9lev\u00e9<\/strong> : un r\u00e9gime PD ou CD avec une contribution de 5\u20136 % favorise la r\u00e9tention.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14702_df5d8f-28 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14702_df5d8f-28\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Budget moyen<\/strong> : un REER collectif avec une cotisation de 3\u20134 % reste abordable et attrayant.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14702_c29ad2-79 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14702_c29ad2-79\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Budget restreint<\/strong> : combiner RPAC, RVER ou CELI avec un jumelage REER plus modeste permet de soutenir l\u2019\u00e9pargne \u00e0 moindre co\u00fbt.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"etape-3-choisir-le-bon-niveau-d-administration\">\u00c9tape 3 : Choisir le bon niveau d\u2019administration<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Chaque r\u00e9gime demande un certain suivi. Le bon choix d\u00e9pend du temps et de l\u2019expertise disponibles \u00e0 l\u2019interne.<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items14702_c78557-31:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14702_c78557-31 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;padding-left:var(--global-kb-spacing-xs, 1rem);}.wp-block-kadence-iconlist.kt-svg-icon-list-items14702_c78557-31 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14702_c78557-31 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items14702_c78557-31 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items14702_c78557-31 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-14702_be71fb-7f .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14702_be71fb-7f\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_arrowRightCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><polyline points=\"12 16 16 12 12 8\"\/><line x1=\"8\" y1=\"12\" x2=\"16\" y2=\"12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Gestion interne<\/strong> : les r\u00e9gimes PD ou CD exigent une supervision active et des d\u00e9cisions li\u00e9es au financement.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14702_fe336b-ee .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14702_fe336b-ee\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_arrowRightCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><polyline points=\"12 16 16 12 12 8\"\/><line x1=\"8\" y1=\"12\" x2=\"16\" y2=\"12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Gestion d\u00e9l\u00e9gu\u00e9e<\/strong> : les REER collectifs, RPAC et RVER sont administr\u00e9s par des fournisseurs comme Sun Life ou Manuvie, qui s\u2019occupent des placements et des rapports.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"etape-4-bonifier-avec-des-programmes-complementaires\">\u00c9tape 4 : Bonifier avec des programmes compl\u00e9mentaires<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Pour r\u00e9pondre \u00e0 la diversit\u00e9 des besoins, plusieurs employeurs ajoutent des options flexibles \u00e0 leurs plans de retraite et d\u2019\u00e9pargne :<\/p>\n\n\n\n<h5 class=\"wp-block-heading has-medium-font-size\" id=\"options-d-epargne\">Options d\u2019\u00e9pargne<\/h5>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items14702_fbd276-35:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14702_fbd276-35 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;padding-left:var(--global-kb-spacing-xs, 1rem);}.wp-block-kadence-iconlist.kt-svg-icon-list-items14702_fbd276-35 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14702_fbd276-35 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items14702_fbd276-35 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items14702_fbd276-35 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-14702_08d251-e1 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14702_08d251-e1\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>CELI<\/strong> : pour une \u00e9pargne accessible \u00e0 court terme.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14702_4e27a9-59 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14702_4e27a9-59\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Options d\u2019achat d\u2019actions ou RPAP<\/strong> : pour lier la r\u00e9ussite des employ\u00e9s \u00e0 celle de l\u2019entreprise.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14702_721184-52 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14702_721184-52\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Conversion de primes en \u00e9pargne<\/strong> : pour encourager la participation.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<h5 class=\"wp-block-heading has-medium-font-size\" id=\"advantages-sociaux-complementaires\">Advantages sociaux compl\u00e9mentaires<\/h5>\n\n\n\n<p class=\"wp-block-paragraph\">Pensez \u00e0 votre r\u00e9gime de retraite comme une partie int\u00e9grante de votre proposition de valeur employeur : il soutient les employ\u00e9s aujourd\u2019hui et les pr\u00e9pare pour demain. Ajoutez \u00e0 cela des avantages ax\u00e9s sur la croissance comme <span style=\"text-decoration: underline;\">des avantages de formation et de certification<\/span>, un <span style=\"text-decoration: underline;\">programme de remboursement des frais de scolarit\u00e9<\/span>, des <span style=\"text-decoration: underline;\">allocations pour le d\u00e9veloppement de carri\u00e8re <\/span>ou des <span style=\"text-decoration: underline;\">programmes de mentorat et de coaching<\/span>, et vous avez b\u00e2ti un programme qui soutient les employ\u00e9s \u00e0 la fois sur le moment et pour les ann\u00e9es \u00e0 venir.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">Enfin, un r\u00e9gime doit \u00e9voluer au rythme de l\u2019entreprise. R\u00e9viser r\u00e9guli\u00e8rement vos plans de retraite et d\u2019\u00e9pargne assure qu\u2019ils restent comp\u00e9titifs, conformes et adapt\u00e9s \u00e0 votre r\u00e9alit\u00e9.<\/p>\n<\/blockquote>\n\n\n<style>.kb-image14702_42414b-b8 .kb-image-has-overlay:after{opacity:0.3;}<\/style>\n<figure class=\"wp-block-kadence-image kb-image14702_42414b-b8 size-full\"><img decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/09\/portrait-elegant-young-woman-smiling-taking-notes-while-sitting-audience-training-seminar-business-conference-office.webp\" alt=\"\" class=\"kb-img wp-image-14530\" srcset=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/09\/portrait-elegant-young-woman-smiling-taking-notes-while-sitting-audience-training-seminar-business-conference-office.webp 1000w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/09\/portrait-elegant-young-woman-smiling-taking-notes-while-sitting-audience-training-seminar-business-conference-office-300x200.webp 300w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/09\/portrait-elegant-young-woman-smiling-taking-notes-while-sitting-audience-training-seminar-business-conference-office-768x512.webp 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"optimizing-retirement-and-savings-plans\">Optimiser les plans de retraite et d&rsquo;\u00e9pargne<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Offrir un r\u00e9gime de retraite ou d\u2019\u00e9pargne est un excellent d\u00e9but \u2014 mais la v\u00e9ritable valeur r\u00e9side dans la conception, la structure et le soutien qui l\u2019accompagnent. Un r\u00e9gime bien optimis\u00e9 ne se limite pas \u00e0 aider les employ\u00e9s \u00e0 \u00e9pargner : il stimule leur participation, s\u2019aligne sur la strat\u00e9gie de talents et repose sur un fournisseur fiable qui simplifie toute l\u2019administration.  <\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"contribution-strategies-building-value-for-both-sides\">Strat\u00e9gies de cotisation : cr\u00e9er de la valeur pour les deux parties<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">La fa\u00e7on dont les cotisations sont structur\u00e9es est aussi importante que le fait d\u2019offrir un r\u00e9gime. Les employ\u00e9s participent beaucoup plus volontiers lorsqu\u2019ils voient leur employeur cotiser \u00e0 leurs c\u00f4t\u00e9s.<br><br>Du c\u00f4t\u00e9 de l\u2019employeur, un r\u00e9gime bien con\u00e7u d\u00e9montre un engagement concret envers le bien-\u00eatre financier du personnel, ce qui renforce la r\u00e9tention et la satisfaction. Voici les approches les plus courantes, avec des exemples concrets d\u2019application :<\/p>\n\n\n<style>.kb-row-layout-id14702_7644d7-87 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id14702_7644d7-87 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id14702_7644d7-87 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-bottom:var(--global-kb-spacing-xxs, 0.5rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id14702_7644d7-87 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id14702_7644d7-87 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id14702_7644d7-87 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id14702_7644d7-87 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column14702_6dee1e-24 > .kt-inside-inner-col,.kadence-column14702_6dee1e-24 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column14702_6dee1e-24 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14702_6dee1e-24 > .kt-inside-inner-col{flex-direction:column;}.kadence-column14702_6dee1e-24 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14702_6dee1e-24 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14702_6dee1e-24{position:relative;}@media all and (max-width: 1024px){.kadence-column14702_6dee1e-24 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column14702_6dee1e-24 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14702_6dee1e-24\"><div class=\"kt-inside-inner-col\"><style>.kt-accordion-id14702_0b0c49-e9 .kt-accordion-inner-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:8px;display:grid;grid-template-columns:repeat(2, minmax(0, 1fr));}.kt-accordion-id14702_0b0c49-e9 .kt-accordion-panel-inner{padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-sm, 1.5rem);}.kt-accordion-id14702_0b0c49-e9 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header{background:var(--global-palette8, #F7FAFC);color:var(--global-palette2, #2B6CB0);padding-top:var(--global-kb-spacing-xxs, 0.5rem);padding-right:var(--global-kb-spacing-xs, 1rem);padding-bottom:var(--global-kb-spacing-xxs, 0.5rem);padding-left:var(--global-kb-spacing-xs, 1rem);}.kt-accordion-id14702_0b0c49-e9:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id14702_0b0c49-e9:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap .kt-blocks-accordion-icon-trigger:before{background:var(--global-palette2, #2B6CB0);}.kt-accordion-id14702_0b0c49-e9:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger{background:var(--global-palette2, #2B6CB0);}.kt-accordion-id14702_0b0c49-e9:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id14702_0b0c49-e9:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger:before{background:var(--global-palette8, #F7FAFC);}.kt-accordion-id14702_0b0c49-e9 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header:hover, \n\t\t\t\tbody:not(.hide-focus-outline) .kt-accordion-id14702_0b0c49-e9 .kt-blocks-accordion-header:focus-visible{color:var(--global-palette2, #2B6CB0);background:var(--global-palette5, #4A5568);}.kt-accordion-id14702_0b0c49-e9:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id14702_0b0c49-e9:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:before, body:not(.hide-focus-outline) .kt-accordion-id14702_0b0c49-e9:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion--visible .kt-blocks-accordion-icon-trigger:after, body:not(.hide-focus-outline) .kt-accordion-id14702_0b0c49-e9:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger:before{background:var(--global-palette2, #2B6CB0);}.kt-accordion-id14702_0b0c49-e9:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger, body:not(.hide-focus-outline) .kt-accordion-id14702_0b0c49-e9:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger{background:var(--global-palette2, #2B6CB0);}.kt-accordion-id14702_0b0c49-e9:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id14702_0b0c49-e9:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:before, body:not(.hide-focus-outline) .kt-accordion-id14702_0b0c49-e9:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger:after, body:not(.hide-focus-outline) .kt-accordion-id14702_0b0c49-e9:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger:before{background:var(--global-palette5, #4A5568);}@media all and (max-width: 767px){.kt-accordion-id14702_0b0c49-e9 .kt-accordion-inner-wrap{display:block;}.kt-accordion-id14702_0b0c49-e9 .kt-accordion-inner-wrap .kt-accordion-pane:not(:first-child){margin-top:8px;}}<\/style>\n<div class=\"wp-block-kadence-accordion alignnone\"><div class=\"kt-accordion-wrap kt-accordion-id14702_0b0c49-e9 kt-accordion-has-5-panes kt-active-pane-1 kt-accordion-block kt-pane-header-alignment-left kt-accodion-icon-style-arrow kt-accodion-icon-side-right\" style=\"max-width:none\"><div class=\"kt-accordion-inner-wrap\" data-allow-multiple-open=\"false\" data-start-open=\"1\">\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-1 kt-pane14702_1f1d1c-6b\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">Cotisation \u00e9quivalente (employer match)<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p class=\"wp-block-paragraph\"><strong>Principe :<\/strong> L\u2019employeur \u00e9galise la cotisation de l\u2019employ\u00e9 jusqu\u2019\u00e0 un certain pourcentage du salaire. Exemple : un employ\u00e9 gagnant 60 000 $ cotise 5 % (3 000 $) \u2192 l\u2019employeur ajoute 3 000 $.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Avantages pour les employ\u00e9s :<\/strong> Double l\u2019\u00e9pargne; effet de \u00ab argent gratuit \u00bb.<\/li>\n\n\n\n<li><strong>Avantages pour les employeurs :<\/strong> Forte participation; montre un engagement clair.<\/li>\n\n\n\n<li><strong>\u00c0 consid\u00e9rer :<\/strong> Les co\u00fbts augmentent avec la participation.<\/li>\n<\/ul>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-2 kt-pane14702_df90b2-53\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">Cotisation fixe<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p class=\"wp-block-paragraph\"><strong>Principe :<\/strong> L\u2019employeur verse un pourcentage fixe du salaire (ex. : 3 %), que l\u2019employ\u00e9 cotise ou non.<br>\u27a1 Exemple : pour un salaire de 60 000 $, cela \u00e9quivaut \u00e0 1 800 $ par an. <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Avantages pour les employeurs :<\/strong> Co\u00fbts pr\u00e9visibles; inclusif pour tous.<\/li>\n\n\n\n<li><strong>Benefits for employers:<\/strong> Predictable cost structure; inclusive.<\/li>\n\n\n\n<li><strong>\u00c0 consid\u00e9rer :<\/strong> Moins incitatif \u00e0 l\u2019\u00e9pargne volontaire.<\/li>\n<\/ul>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-3 kt-pane14702_91520f-8a\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">Cotisation progressive ou \u00e0 paliers<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p class=\"wp-block-paragraph\"><strong>Principe :<\/strong> Le taux de cotisation \u00e9quivalente augmente avec la contribution de l\u2019employ\u00e9 (ex. : 50 % jusqu\u2019\u00e0 3 %, puis 100 % jusqu\u2019\u00e0 5 %).<br>Les montants varient d\u2019une ann\u00e9e \u00e0 l\u2019autre.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Avantages pour les employ\u00e9s :<\/strong> Encourage une \u00e9pargne plus \u00e9lev\u00e9e.<\/li>\n\n\n\n<li><strong>Avantages pour les employeurs : <\/strong>Favorise l\u2019engagement et la r\u00e9tention.<\/li>\n\n\n\n<li><strong>\u00c0 consid\u00e9rer :<\/strong> Structure plus complexe \u00e0 g\u00e9rer et \u00e0 expliquer.<\/li>\n<\/ul>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-4 kt-pane14702_68ef23-e7\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">Cotisation selon les profits<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p class=\"wp-block-paragraph\"><strong>Principe :<\/strong> L\u2019employeur verse un pourcentage des b\u00e9n\u00e9fices (ex. : 2\u20135 %) dans les comptes des employ\u00e9s. Les montants varient d\u2019une ann\u00e9e \u00e0 l\u2019autre, selon les profits. <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Avantages pour les employ\u00e9s :<\/strong> Bonifie l\u2019\u00e9pargne sans r\u00e9duire le salaire net.<\/li>\n\n\n\n<li><strong>Avantages pour les employeurs : <\/strong>Lie la r\u00e9compense \u00e0 la performance de l\u2019entreprise.<\/li>\n\n\n\n<li><strong>\u00c0 consid\u00e9rer :<\/strong> Moins pr\u00e9visible pour les employ\u00e9s; plus difficile \u00e0 budg\u00e9ter.<\/li>\n<\/ul>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-5 kt-pane14702_311e8b-2b\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">Cotisation li\u00e9e \u00e0 l\u2019anciennet\u00e9<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p class=\"wp-block-paragraph\"><strong>Principe :<\/strong> Le taux de cotisation augmente avec les ann\u00e9es de service (ex. : 2 % apr\u00e8s 1 an, 4 % apr\u00e8s 5 ans).<br>Les montants varient d\u2019une ann\u00e9e \u00e0 l\u2019autre.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Avantages pour les employ\u00e9s :<\/strong> Valorise la fid\u00e9lit\u00e9 et la carri\u00e8re \u00e0 long terme.<\/li>\n\n\n\n<li><strong>Avantages pour les employeurs :<\/strong> Renforce la r\u00e9tention et la motivation.<\/li>\n\n\n\n<li><strong>\u00c0 consid\u00e9rer :<\/strong> Administration l\u00e9g\u00e8rement plus complexe.<\/li>\n<\/ul>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<h4 class=\"wp-block-heading\" id=\"aligning-retirement-benefits-with-talent-goals\">Aligner les plans de retraite et d&rsquo;\u00e9pargne avec la strat\u00e9gie de talents<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Les r\u00e9gimes de retraite et d\u2019\u00e9pargne ne sont pas que des outils financiers \u2014 ce sont aussi des leviers RH puissants. Dans un march\u00e9 de l\u2019emploi comp\u00e9titif, la s\u00e9curit\u00e9 financi\u00e8re \u00e0 long terme compte autant que le salaire imm\u00e9diat. En mettant ces avantages en avant dans vos communications RH, vous renforcez votre image d\u2019employeur responsable.   <\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items14702_5a8375-6e:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14702_5a8375-6e ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;padding-left:var(--global-kb-spacing-xs, 1rem);}.wp-block-kadence-iconlist.kt-svg-icon-list-items14702_5a8375-6e ul.kt-svg-icon-list{grid-row-gap:10px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14702_5a8375-6e ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items14702_5a8375-6e ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items14702_5a8375-6e kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-14702_0e90d0-fc .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14702_0e90d0-fc\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_cornerDownRight kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"15 10 20 15 15 20\"\/><path d=\"M4 4v7a4 4 0 0 0 4 4h12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>R\u00e9tention<\/strong>: Mettez en place des p\u00e9riodes d\u2019acquisition, communiquez la valeur des cotisations et liez les avantages aux \u00e9valuations de rendement.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14702_3c1a0a-6a .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14702_3c1a0a-6a\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_cornerDownRight kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"15 10 20 15 15 20\"\/><path d=\"M4 4v7a4 4 0 0 0 4 4h12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Recrutement<\/strong>: Faites ressortir les r\u00e9gimes dans les offres d\u2019emploi et les entrevues, offrez des options flexibles comme les REER collectifs et montrez des exemples concrets d\u2019\u00e9pargne.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14702_d7785f-09 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14702_d7785f-09\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_cornerDownRight kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"15 10 20 15 15 20\"\/><path d=\"M4 4v7a4 4 0 0 0 4 4h12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Engagement<\/strong>: Offrez de la formation financi\u00e8re, reliez les avantages \u00e0 la progression de carri\u00e8re et c\u00e9l\u00e9brez les jalons de cotisation.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"choosing-the-right-provider\">Choisir le bon fournisseur<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">M\u00eame les meilleurs plans de retraite et d&rsquo;\u00e9pargne peut \u00e9chouer si le fournisseur ne livre pas. Le bon partenaire doit garantir la conformit\u00e9 (notamment au Qu\u00e9bec), simplifier l\u2019administration RH et offrir des outils num\u00e9riques clairs pour les employ\u00e9s.<\/p>\n\n\n\n<figure class=\"wp-block-table alignfull is-style-stripes\"><table class=\"has-theme-palette-8-background-color has-background\" style=\"border-width:2px\"><thead><tr><th>Fournisseur<\/th><th>Int\u00e9gration et inscription des employ\u00e9s<\/th><th>Outils num\u00e9riques et \u00e9ducation financi\u00e8re<\/th><th>Rapports employeurs et conformit\u00e9<\/th><th>Frais et rapport qualit\u00e9-prix<\/th><\/tr><\/thead><tbody><tr><td><strong>SunLife<\/strong><\/td><td>Inscription num\u00e9rique int\u00e9gr\u00e9e \u00e0 la paie ; exp\u00e9rience fluide pour les moyennes et grandes entreprises<\/td><td>Solides programmes de litt\u00e9ratie financi\u00e8re, webinaires et application mobile conviviale<\/td><td>Excellent soutien en conformit\u00e9, tableaux de bord RH avanc\u00e9s<\/td><td>Frais concurrentiels ; grande valeur pour les organisations de 50 employ\u00e9s et plus<\/td><\/tr><tr><td><strong>Manulife<\/strong><\/td><td>Mise en place rapide et bien int\u00e9gr\u00e9e \u00e0 la paie ; flexible pour les petites comme les grandes entreprises<\/td><td>Outils de planification personnalis\u00e9s, calculateurs de retraite, acc\u00e8s \u00e0 des conseillers<\/td><td>Rapports complets, \u00e9quipe de soutien d\u00e9di\u00e9e aux employeurs<\/td><td>Frais ajust\u00e9s selon la taille du r\u00e9gime ; tr\u00e8s comp\u00e9titif pour les entreprises de taille moyenne \u00e0 grande<\/td><\/tr><tr><td><strong>Canada Life<\/strong><\/td><td>Processus d\u2019int\u00e9gration simple avec options personnalisables pour les employeurs<\/td><td>Nombreuses ressources \u00e9ducatives, modules d\u2019apprentissage en ligne et calculateurs<\/td><td>Rapports d\u00e9taill\u00e9s ax\u00e9s sur la conformit\u00e9 ; excellent soutien bilingue (FR\/EN)<\/td><td>Frais mod\u00e9r\u00e9s \u00e9quilibr\u00e9s par une qualit\u00e9 de service \u00e9lev\u00e9e<\/td><\/tr><tr><td><strong>RBC Insurance<\/strong><\/td><td>Installation rapide ; bien adapt\u00e9e aux petites et moyennes entreprises<\/td><td>Plateformes claires et conviviales, outils de planification de la retraite faciles \u00e0 utiliser<\/td><td>Rapports fiables et service r\u00e9actif, forte pr\u00e9sence au Qu\u00e9bec<\/td><td>Tarification tr\u00e8s comp\u00e9titive ; excellente option pour les petits groupes recherchant l\u2019efficacit\u00e9<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Un conseiller en avantages sociaux peut \u00e9galement vous aider \u00e0 comparer les diff\u00e9rentes options et \u00e0 vous assurer que le fournisseur choisi respecte vos obligations de conformit\u00e9 tout en soutenant vos objectifs d\u2019entreprise. Avec le bon partenaire, vos plans de retraite et d\u2019\u00e9pargne cessent d\u2019\u00eatre une contrainte administrative pour devenir un avantage fluide, strat\u00e9gique et \u00e0 forte valeur ajout\u00e9e. <\/p>\n\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id14702_27e553-de{margin-top:var(--global-kb-spacing-sm, 1.5rem);margin-bottom:var(--global-kb-spacing-sm, 1.5rem);}.kb-row-layout-id14702_27e553-de > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id14702_27e553-de > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id14702_27e553-de > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 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767px){.kb-row-layout-id14702_27e553-de > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id14702_27e553-de alignnone has-theme-palette8-background-color kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-layout-overlay kt-row-overlay-gradient\"><\/div><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-left-golden kt-tab-layout-row kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column14702_e5d87a-bf > .kt-inside-inner-col,.kadence-column14702_e5d87a-bf > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column14702_e5d87a-bf > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14702_e5d87a-bf > .kt-inside-inner-col{flex-direction:column;}.kadence-column14702_e5d87a-bf > .kt-inside-inner-col > 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.kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column14702_2fbed8-e1 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column14702_2fbed8-e1{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14702_2fbed8-e1{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14702_2fbed8-e1 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column14702_2fbed8-e1 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14702_2fbed8-e1{text-align:left;}.kadence-column14702_2fbed8-e1{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column14702_2fbed8-e1{align-self:flex-start;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14702_2fbed8-e1{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14702_2fbed8-e1 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 1024px){.kadence-column14702_2fbed8-e1 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column14702_2fbed8-e1{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14702_2fbed8-e1{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14702_2fbed8-e1 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column14702_2fbed8-e1 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14702_2fbed8-e1 kb-section-is-sticky kb-section-dir-vertical o-sticky o-sticky-scope-main-area o-sticky-pos-top o-sticky-bhvr-keep\" data-aos=\"fade-right\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading14702_d41fb8-3b, .wp-block-kadence-advancedheading.kt-adv-heading14702_d41fb8-3b[data-kb-block=\"kb-adv-heading14702_d41fb8-3b\"]{font-size:var(--global-kb-font-size-lg, 2rem);font-style:normal;font-family:var( --global-heading-font-family, inherit );}.wp-block-kadence-advancedheading.kt-adv-heading14702_d41fb8-3b mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading14702_d41fb8-3b[data-kb-block=\"kb-adv-heading14702_d41fb8-3b\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading14702_d41fb8-3b img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading14702_d41fb8-3b[data-kb-block=\"kb-adv-heading14702_d41fb8-3b\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading14702_d41fb8-3b, .wp-block-kadence-advancedheading.kt-adv-heading14702_d41fb8-3b[data-kb-block=\"kb-adv-heading14702_d41fb8-3b\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading14702_d41fb8-3b, .wp-block-kadence-advancedheading.kt-adv-heading14702_d41fb8-3b[data-kb-block=\"kb-adv-heading14702_d41fb8-3b\"]{text-align:center!important;}}<\/style>\n<h4 class=\"kt-adv-heading14702_d41fb8-3b wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading14702_d41fb8-3b\">Besoin d\u2019aide pour concevoir un r\u00e9gime adapt\u00e9 \u00e0 votre entreprise ?<\/h4>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading14702_8b914b-27, .wp-block-kadence-advancedheading.kt-adv-heading14702_8b914b-27[data-kb-block=\"kb-adv-heading14702_8b914b-27\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading14702_8b914b-27 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading14702_8b914b-27[data-kb-block=\"kb-adv-heading14702_8b914b-27\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading14702_8b914b-27 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading14702_8b914b-27[data-kb-block=\"kb-adv-heading14702_8b914b-27\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading14702_8b914b-27, .wp-block-kadence-advancedheading.kt-adv-heading14702_8b914b-27[data-kb-block=\"kb-adv-heading14702_8b914b-27\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading14702_8b914b-27, .wp-block-kadence-advancedheading.kt-adv-heading14702_8b914b-27[data-kb-block=\"kb-adv-heading14702_8b914b-27\"]{text-align:center!important;}}<\/style>\n<p class=\"kt-adv-heading14702_8b914b-27 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading14702_8b914b-27\">Obtenez des conseils d\u2019experts pour concevoir et mettre en place un plan de retraite et d\u2019\u00e9pargne align\u00e9 sur vos avantages sociaux et vos objectifs d\u2019affaires.<\/p>\n<\/div><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column14702_fb16bd-d5 > .kt-inside-inner-col{display:flex;}.kadence-column14702_fb16bd-d5 > .kt-inside-inner-col,.kadence-column14702_fb16bd-d5 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column14702_fb16bd-d5 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14702_fb16bd-d5 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column14702_fb16bd-d5 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column14702_fb16bd-d5{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14702_fb16bd-d5{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14702_fb16bd-d5 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column14702_fb16bd-d5 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14702_fb16bd-d5{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column14702_fb16bd-d5{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14702_fb16bd-d5{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14702_fb16bd-d5 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column14702_fb16bd-d5 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column14702_fb16bd-d5{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14702_fb16bd-d5{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14702_fb16bd-d5 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column14702_fb16bd-d5 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14702_fb16bd-d5\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading14702_aa3403-0a, .wp-block-kadence-advancedheading.kt-adv-heading14702_aa3403-0a[data-kb-block=\"kb-adv-heading14702_aa3403-0a\"]{margin-bottom:var(--global-kb-spacing-xs, 1rem);text-align:center;font-size:var(--global-kb-font-size-md, 1.25rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading14702_aa3403-0a[data-kb-block=\"kb-adv-heading14702_aa3403-0a\"]{display:flex;gap:0.25em;justify-content:center;align-items:center;}.wp-block-kadence-advancedheading.kt-adv-heading14702_aa3403-0a[data-kb-block=\"kb-adv-heading14702_aa3403-0a\"] .kb-adv-heading-icon svg{width:1em;height:1em;}.wp-block-kadence-advancedheading.kt-adv-heading14702_aa3403-0a[data-kb-block=\"kb-adv-heading14702_aa3403-0a\"] .kb-adv-heading-icon{color:var(--global-palette1, #3182CE);}.wp-block-kadence-advancedheading.kt-adv-heading14702_aa3403-0a mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading14702_aa3403-0a[data-kb-block=\"kb-adv-heading14702_aa3403-0a\"] mark.kt-highlight{font-style:normal;color:var(--global-palette6, #718096);-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading14702_aa3403-0a img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading14702_aa3403-0a[data-kb-block=\"kb-adv-heading14702_aa3403-0a\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading14702_aa3403-0a, .wp-block-kadence-advancedheading.kt-adv-heading14702_aa3403-0a[data-kb-block=\"kb-adv-heading14702_aa3403-0a\"]{text-align:center!important;}}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading14702_aa3403-0a[data-kb-block=\"kb-adv-heading14702_aa3403-0a\"]{justify-content:center;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading14702_aa3403-0a, .wp-block-kadence-advancedheading.kt-adv-heading14702_aa3403-0a[data-kb-block=\"kb-adv-heading14702_aa3403-0a\"]{padding-bottom:0px;text-align:center!important;}.wp-block-kadence-advancedheading.kt-adv-heading14702_aa3403-0a[data-kb-block=\"kb-adv-heading14702_aa3403-0a\"]{justify-content:center;}}<\/style><p class=\"kt-adv-heading14702_aa3403-0a wp-block-kadence-advancedheading kt-adv-heading-has-icon\" data-kb-block=\"kb-adv-heading14702_aa3403-0a\"><span class=\"kb-svg-icon-wrap kb-adv-heading-icon kb-svg-icon-fas_phone-square kb-adv-heading-icon-side-left\"><svg viewBox=\"0 0 448 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M400 32H48C21.49 32 0 53.49 0 80v352c0 26.51 21.49 48 48 48h352c26.51 0 48-21.49 48-48V80c0-26.51-21.49-48-48-48zM94 416c-7.033 0-13.057-4.873-14.616-11.627l-14.998-65a15 15 0 0 1 8.707-17.16l69.998-29.999a15 15 0 0 1 17.518 4.289l30.997 37.885c48.944-22.963 88.297-62.858 110.781-110.78l-37.886-30.997a15.001 15.001 0 0 1-4.289-17.518l30-69.998a15 15 0 0 1 17.16-8.707l65 14.998A14.997 14.997 0 0 1 384 126c0 160.292-129.945 290-290 290z\"\/><\/svg><\/span><span class=\"kb-adv-text-inner\"><a href=\"tel:1-866-760-3993\" data-type=\"tel\" data-id=\"tel:1-866-760-3993\"><mark class=\"kt-highlight\">Appelez-nous une estimation gratuite <\/mark><\/a><\/span><\/p>\n\n<style>.wp-block-kadence-advancedbtn.kb-btns14702_ac631b-ed{gap:var(--global-kb-gap-xs, 0.5rem );justify-content:center;align-items:center;}.kt-btns14702_ac631b-ed .kt-button{font-weight:normal;font-style:normal;}.kt-btns14702_ac631b-ed .kt-btn-wrap-0{margin-right:5px;}.wp-block-kadence-advancedbtn.kt-btns14702_ac631b-ed .kt-btn-wrap-0 .kt-button{color:#555555;border-color:#555555;}.wp-block-kadence-advancedbtn.kt-btns14702_ac631b-ed .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns14702_ac631b-ed .kt-btn-wrap-0 .kt-button:focus{color:#ffffff;border-color:#444444;}.wp-block-kadence-advancedbtn.kt-btns14702_ac631b-ed .kt-btn-wrap-0 .kt-button::before{display:none;}.wp-block-kadence-advancedbtn.kt-btns14702_ac631b-ed .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns14702_ac631b-ed .kt-btn-wrap-0 .kt-button:focus{background:#444444;}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn.kb-btns14702_ac631b-ed{justify-content:center;}}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn.kb-btns14702_ac631b-ed{justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-advancedbtn kb-buttons-wrap kb-btns14702_ac631b-ed\"><style>ul.menu .wp-block-kadence-advancedbtn .kb-btn14702_a24007-bf.kb-button{width:initial;}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn .kb-btn14702_a24007-bf.kb-button{font-size:var(--global-kb-font-size-sm, 0.9rem);}}<\/style><a class=\"kb-button kt-button button kb-btn14702_a24007-bf kt-btn-size-standard kt-btn-width-type-auto kb-btn-global-inherit kt-btn-has-text-true kt-btn-has-svg-true wp-block-button__link wp-block-kadence-singlebtn\" href=\"https:\/\/twinn.ca\/fr\/contact\/\"><span class=\"kt-btn-inner-text\">Contacter Maintenant<\/span><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_arrowRightCircle kt-btn-icon-side-right\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><polyline points=\"12 16 16 12 12 8\"\/><line x1=\"8\" y1=\"12\" x2=\"16\" y2=\"12\"\/><\/svg><\/span><\/a><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading14702_807e78-44, .wp-block-kadence-advancedheading.kt-adv-heading14702_807e78-44[data-kb-block=\"kb-adv-heading14702_807e78-44\"]{margin-bottom:var(--global-kb-spacing-xxs, 0.5rem);font-size:var(--global-kb-font-size-xl, 3rem);line-height:1.2;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading14702_807e78-44 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading14702_807e78-44[data-kb-block=\"kb-adv-heading14702_807e78-44\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading14702_807e78-44 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading14702_807e78-44[data-kb-block=\"kb-adv-heading14702_807e78-44\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading14702_807e78-44 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading14702_807e78-44\">Des questions? On a les r\u00e9ponses. <\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Encore quelques doutes? <\/em>Voici des r\u00e9ponses rapides aux pr\u00e9occupations les plus fr\u00e9quentes des employeurs et des employ\u00e9s.<\/p>\n\n\n<style>.kb-row-layout-id14702_a9dfb6-b2 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id14702_a9dfb6-b2 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id14702_a9dfb6-b2 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-none, 0rem );padding-top:0px;padding-bottom:0px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id14702_a9dfb6-b2 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id14702_a9dfb6-b2 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id14702_a9dfb6-b2 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id14702_a9dfb6-b2 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column14702_34b558-a5 > .kt-inside-inner-col,.kadence-column14702_34b558-a5 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column14702_34b558-a5 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14702_34b558-a5 > .kt-inside-inner-col{flex-direction:column;}.kadence-column14702_34b558-a5 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14702_34b558-a5 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14702_34b558-a5{position:relative;}@media all and (max-width: 1024px){.kadence-column14702_34b558-a5 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column14702_34b558-a5 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14702_34b558-a5 inner-column-1\"><div class=\"kt-inside-inner-col\">\n<div class=\"wp-block-wpsp-faq wpsp-faq__outer-wrap wpsp-block-8f187262 wpsp-faq-icon-row wpsp-faq-layout-accordion wpsp-faq-expand-first-false wpsp-faq-inactive-other-true wpsp-faq-equal-height\" data-faqtoggle=\"true\" role=\"tablist\"><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"@id\":\"https:\/\/twinn.ca\/fr\/plan-retraite-epargne\/\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Can I contribute to both a GRSP and an RRSP at the same time?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes, employees can contribute to both, but must stay within annual contribution limits. Planning contributions carefully ensures maximum tax efficiency.\"}},{\"@type\":\"Question\",\"name\":\"What happens to my retirement savings if I change jobs?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Savings can usually be transferred to a new employer\u2019s plan or to a personal RRSP. Understanding vesting schedules and transfer rules is key to maintaining your retirement growth.\"}},{\"@type\":\"Question\",\"name\":\"How do Stock Options &amp; ESPPs impact retirement planning?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"They can supplement savings, but employees should consider market risks and timing when integrating them into their overall retirement strategy.\"}},{\"@type\":\"Question\",\"name\":\"Are employer contributions taxable?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Generally, contributions grow tax-deferred until withdrawal. Employees pay tax on withdrawals, which can be planned to minimize impact.\"}},{\"@type\":\"Question\",\"name\":\"How often should I review my retirement plan?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"At minimum, annually\u2014or after significant life changes like marriage, buying a home, or career moves\u2014to ensure contributions and investments align with goals.\"}},{\"@type\":\"Question\",\"name\":\"Can part-time employees participate in group retirement savings plans?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes, many employers offer prorated contributions or access to GRSPs, but eligibility rules can vary by organization.\"}},{\"@type\":\"Question\",\"name\":\"How do I choose between a Defined Benefit and Defined Contribution plan?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It depends on risk tolerance and desired predictability: DB plans offer guaranteed income, while DC plans provide flexibility but carry investment risk.\"}}]}<\/script><div class=\"wpsp-faq__wrap wpsp-buttons-layout-wrap\">\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-4a1b622d\"><div class=\"wpsp-faq-child__wrapper\"><div class=\"wpsp-faq-item\" role=\"tab\" tabindex=\"0\"><div class=\"wpsp-faq-questions-button wpsp-faq-questions\"><span class=\"wpsp-icon wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 320 512\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span><span class=\"wpsp-icon-active wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"wpsp-question\">Can I contribute to both a GRSP and an RRSP at the same time?<\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Yes, employees can contribute to both, but must stay within annual contribution limits. Planning contributions carefully ensures maximum tax efficiency.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-bed7dfe4\"><div class=\"wpsp-faq-child__wrapper\"><div class=\"wpsp-faq-item\" role=\"tab\" tabindex=\"0\"><div class=\"wpsp-faq-questions-button wpsp-faq-questions\"><span class=\"wpsp-icon wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 320 512\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span><span class=\"wpsp-icon-active wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"wpsp-question\">What happens to my retirement savings if I change jobs?<\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Savings can usually be transferred to a new employer\u2019s plan or to a personal RRSP. Understanding vesting schedules and transfer rules is key to maintaining your retirement growth.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-f5667e86\"><div class=\"wpsp-faq-child__wrapper\"><div class=\"wpsp-faq-item\" role=\"tab\" tabindex=\"0\"><div class=\"wpsp-faq-questions-button wpsp-faq-questions\"><span class=\"wpsp-icon wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 320 512\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span><span class=\"wpsp-icon-active wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"wpsp-question\">How do Stock Options &amp; ESPPs impact retirement planning?<\/span><\/div><div class=\"wpsp-faq-content\"><span><p>They can supplement savings, but employees should consider market risks and timing when integrating them into their overall retirement strategy.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-15471c05\"><div class=\"wpsp-faq-child__wrapper\"><div class=\"wpsp-faq-item\" role=\"tab\" tabindex=\"0\"><div class=\"wpsp-faq-questions-button wpsp-faq-questions\"><span class=\"wpsp-icon wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 320 512\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span><span class=\"wpsp-icon-active wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"wpsp-question\">Are employer contributions taxable?<\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Generally, contributions grow tax-deferred until withdrawal. Employees pay tax on withdrawals, which can be planned to minimize impact.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-163badf3\"><div class=\"wpsp-faq-child__wrapper\"><div class=\"wpsp-faq-item\" role=\"tab\" tabindex=\"0\"><div class=\"wpsp-faq-questions-button wpsp-faq-questions\"><span class=\"wpsp-icon wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 320 512\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span><span class=\"wpsp-icon-active wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"wpsp-question\">How often should I review my retirement plan?<\/span><\/div><div class=\"wpsp-faq-content\"><span><p>At minimum, annually\u2014or after significant life changes like marriage, buying a home, or career moves\u2014to ensure contributions and investments align with goals.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-f84968b4\"><div class=\"wpsp-faq-child__wrapper\"><div class=\"wpsp-faq-item\" role=\"tab\" tabindex=\"0\"><div class=\"wpsp-faq-questions-button wpsp-faq-questions\"><span class=\"wpsp-icon wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 320 512\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span><span class=\"wpsp-icon-active wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"wpsp-question\">Can part-time employees participate in group retirement savings plans?<\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Yes, many employers offer prorated contributions or access to GRSPs, but eligibility rules can vary by organization.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-b6f39614\"><div class=\"wpsp-faq-child__wrapper\"><div class=\"wpsp-faq-item\" role=\"tab\" tabindex=\"0\"><div class=\"wpsp-faq-questions-button wpsp-faq-questions\"><span class=\"wpsp-icon wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 320 512\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span><span class=\"wpsp-icon-active wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"wpsp-question\">How do I choose between a Defined Benefit and Defined Contribution plan?<\/span><\/div><div class=\"wpsp-faq-content\"><span><p>It depends on risk tolerance and desired predictability: DB plans offer guaranteed income, while DC plans provide flexibility but carry investment risk.<\/p><\/span><\/div><\/div><\/div><\/div>\n<\/div><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"bottom-line\">En Bref,<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Choisir les bons plans de retraite et d\u2019\u00e9pargne ne se r\u00e9sume pas \u00e0 une question de conformit\u00e9 ou de co\u00fbts. C\u2019est avant tout offrir \u00e0 vos employ\u00e9s un cadre de confiance et de stabilit\u00e9 financi\u00e8re.<br>Des r\u00e9gimes simples \u00e0 comprendre, flexibles et adapt\u00e9s \u00e0 votre main-d\u2019\u0153uvre inspirent la loyaut\u00e9 et renforcent l\u2019attractivit\u00e9 de votre entreprise.<br>Les employeurs qui prennent le temps de structurer correctement leurs programmes ne soutiennent pas seulement la s\u00e9curit\u00e9 financi\u00e8re de leurs employ\u00e9s \u2014 ils b\u00e2tissent aussi une culture de confiance durable.  <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Prenons l\u2019exemple de Sophie, employ\u00e9e en milieu de carri\u00e8re. Elle se demande si les avantages offerts par son entreprise peuvent&#8230;<\/p>\n","protected":false},"author":15,"featured_media":14498,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_gspb_post_css":"","_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[112],"tags":[],"post_folder":[],"class_list":["post-14702","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-croissance-avantages-financiers"],"acf":[],"taxonomy_info":{"category":[{"value":112,"label":"Croissance &amp; Avantages Financiers"}]},"featured_image_src_large":["https:\/\/twinn.ca\/wp-content\/uploads\/2025\/09\/employee-with-savings-in-piggy-bank-1024x684.webp",1024,684,true],"author_info":{"display_name":"Rafat Haque","author_link":"https:\/\/twinn.ca\/fr\/author\/rafat-haque\/"},"comment_info":0,"category_info":[{"term_id":112,"name":"Croissance &amp; Avantages Financiers","slug":"croissance-avantages-financiers","term_group":0,"term_taxonomy_id":112,"taxonomy":"category","description":"","parent":0,"count":4,"filter":"raw","cat_ID":112,"category_count":4,"category_description":"","cat_name":"Croissance &amp; Avantages Financiers","category_nicename":"croissance-avantages-financiers","category_parent":0}],"tag_info":false,"_links":{"self":[{"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/posts\/14702","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/users\/15"}],"replies":[{"embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/comments?post=14702"}],"version-history":[{"count":0,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/posts\/14702\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/media\/14498"}],"wp:attachment":[{"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/media?parent=14702"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/categories?post=14702"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/tags?post=14702"},{"taxonomy":"post_folder","embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/post_folder?post=14702"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}