{"id":14711,"date":"2025-09-02T17:43:11","date_gmt":"2025-09-02T22:43:11","guid":{"rendered":"https:\/\/twinn.ca\/?p=14711"},"modified":"2025-10-13T20:34:50","modified_gmt":"2025-10-14T01:34:50","slug":"regime-retraite-employes","status":"publish","type":"post","link":"https:\/\/twinn.ca\/fr\/regime-retraite-employes\/","title":{"rendered":"R\u00e9gime De Retraite Des Employ\u00e9s\u00a0: Options Et Conseils"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Quand on pr\u00e9pare un programme d\u2019avantages sociaux, certains \u00e9l\u00e9ments s\u2019imposent d\u2019embl\u00e9e : l\u2019assurance sant\u00e9, les vacances et la flexibilit\u00e9 des horaires. Et puis il y a le r\u00e9gime de retraite des employ\u00e9s \u2014 pas forc\u00e9ment le plus excitant \u00e0 premi\u00e8re vue, mais sans doute le plus d\u00e9terminant pour la s\u00e9curit\u00e9 financi\u00e8re \u00e0 long terme et la fid\u00e9lisation du personnel.<br>Offrir un bon r\u00e9gime de retraite ne se r\u00e9sume pas \u00e0 une obligation administrative : c\u2019est une fa\u00e7on concr\u00e8te de montrer \u00e0 vos employ\u00e9s que leur avenir compte autant que leur travail d\u2019aujourd\u2019hui.  <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cet article explique le fonctionnement d\u2019un r\u00e9gime de retraite des employ\u00e9s, les diff\u00e9rentes formules possibles et comment il peut s\u2019int\u00e9grer naturellement \u00e0 votre strat\u00e9gie d\u2019\u00e9pargne et d\u2019avantages collectifs.<\/p>\n\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id14711_8a634a-5a{margin-bottom:var(--global-kb-spacing-sm, 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.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-id14711_8a634a-5a{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-id14711_8a634a-5a{background-color:rgba(58,173,113,0.25);}.kb-row-layout-id14711_8a634a-5a > .kt-row-layout-overlay{opacity:0.49;}@media all and (max-width: 1024px){.kb-row-layout-id14711_8a634a-5a > .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-id14711_8a634a-5a{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-id14711_8a634a-5a > .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-id14711_8a634a-5a{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-id14711_8a634a-5a 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-column14711_a1a99e-f6 > .kt-inside-inner-col,.kadence-column14711_a1a99e-f6 > .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-column14711_a1a99e-f6 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14711_a1a99e-f6 > .kt-inside-inner-col{flex-direction:column;}.kadence-column14711_a1a99e-f6 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14711_a1a99e-f6 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14711_a1a99e-f6{position:relative;}@media all and (max-width: 1024px){.kadence-column14711_a1a99e-f6 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column14711_a1a99e-f6 > .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-column14711_a1a99e-f6\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading14711_53bfd7-c8, .wp-block-kadence-advancedheading.kt-adv-heading14711_53bfd7-c8[data-kb-block=\"kb-adv-heading14711_53bfd7-c8\"]{text-align:left;font-style:normal;color:#020202;border-left:20px solid transparent;}.wp-block-kadence-advancedheading.kt-adv-heading14711_53bfd7-c8 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading14711_53bfd7-c8[data-kb-block=\"kb-adv-heading14711_53bfd7-c8\"] 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-heading14711_53bfd7-c8 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading14711_53bfd7-c8[data-kb-block=\"kb-adv-heading14711_53bfd7-c8\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading14711_53bfd7-c8, .wp-block-kadence-advancedheading.kt-adv-heading14711_53bfd7-c8[data-kb-block=\"kb-adv-heading14711_53bfd7-c8\"]{border-left:20px solid transparent;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading14711_53bfd7-c8, .wp-block-kadence-advancedheading.kt-adv-heading14711_53bfd7-c8[data-kb-block=\"kb-adv-heading14711_53bfd7-c8\"]{border-left:20px solid transparent;}}<\/style>\n<h3 class=\"kt-adv-heading14711_53bfd7-c8 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading14711_53bfd7-c8\">Points Cl\u00e9s<\/h3>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items14711_67c222-cc:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14711_67c222-cc 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-items14711_67c222-cc ul.kt-svg-icon-list{grid-row-gap:20px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14711_67c222-cc .kb-svg-icon-wrap{color:var(--global-palette2, #2B6CB0);}.kt-svg-icon-list-items14711_67c222-cc 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-items14711_67c222-cc kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-14711_b12940-2f .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-14711_b12940-2f\"><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 r\u00e9gime de retraite bien pens\u00e9 renforce la marque employeur, r\u00e9duit le roulement et stabilise l\u2019effectif.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14711_af5576-fb .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-14711_af5576-fb\"><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\">Au Qu\u00e9bec, les employeurs doivent tenir compte des r\u00e8gles du RRQ et du RVER en plus des r\u00e9gimes volontaires.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14711_377dc8-81 .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-14711_377dc8-81\"><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\">Combiner un r\u00e9gime de retraite avec d\u2019autres options (comme un REER collectif ou un RPDB) offre plus de souplesse et d\u2019attrait.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14711_fcabad-0b .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-14711_fcabad-0b\"><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 fournisseurs comme Sun Life, Manuvie, Canada Vie ou RBC Assurances peuvent accompagner les employeurs dans la conformit\u00e9, les cotisations et la gestion du r\u00e9gime.<\/span><\/li>\n<\/ul><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"what-is-an-employee-pension-plan\">Qu\u2019est-ce qu\u2019un r\u00e9gime de retraite des employ\u00e9s?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Un r\u00e9gime de retraite des employ\u00e9s est un <a href=\"https:\/\/twinn.ca\/fr\/plan-retraite-epargne\/\" data-type=\"link\" data-id=\"https:\/\/twinn.ca\/fr\/plan-retraite-epargne\/\">programme d\u2019\u00e9pargne<\/a> \u00e9tabli par l\u2019employeur pour aider les travailleurs \u00e0 pr\u00e9parer leur retraite. Les cotisations sont vers\u00e9es par l\u2019employeur, par l\u2019employ\u00e9 ou par les deux.<br>Tous les avantages offerts en entreprise n\u2019entrent pas dans cette cat\u00e9gorie : les primes ponctuelles, l\u2019assurance sant\u00e9 ou les avantages de bien-\u00eatre n\u2019en font pas partie.<br>Savoir distinguer ce qui constitue un v\u00e9ritable r\u00e9gime de retraite permet d\u2019offrir un avantage durable et structurant \u00e0 son \u00e9quipe.<\/p>\n\n\n<style>.kb-image14711_bb70b0-ea .kb-image-has-overlay:after{opacity:0.3;}<\/style>\n<figure class=\"wp-block-kadence-image kb-image14711_bb70b0-ea size-full\"><img decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/09\/medium-shot-smiley-woman-with-coffee-cup-feels-happy-with-qualoty-pension-plan.webp\" alt=\"Une femme assise \u00e0 son bureau avec son caf\u00e9 du matin, souriante et satisfaite de son travail gr\u00e2ce \u00e0 un bon r\u00e9gime de retraite des employ\u00e9s qui assure son avenir.\" class=\"kb-img wp-image-14570\" title=\"Une femme assise \u00e0 son bureau avec son caf\u00e9 du matin, souriante et satisfaite de son travail gr\u00e2ce \u00e0 un bon r\u00e9gime de retraite des employ\u00e9s qui assure son avenir.\" srcset=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/09\/medium-shot-smiley-woman-with-coffee-cup-feels-happy-with-qualoty-pension-plan.webp 1000w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/09\/medium-shot-smiley-woman-with-coffee-cup-feels-happy-with-qualoty-pension-plan-300x200.webp 300w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/09\/medium-shot-smiley-woman-with-coffee-cup-feels-happy-with-qualoty-pension-plan-768x512.webp 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h5 class=\"wp-block-heading\" id=\"pension-plans-vs-retirement-savings-vehicles\">R\u00e9gimes de retraite vs. v\u00e9hicules d\u2019\u00e9pargne-retraite<\/h5>\n\n\n\n<p class=\"wp-block-paragraph\">On a vite fait de regrouper toutes les formes d\u2019\u00e9pargne sous une seule \u00e9tiquette, mais les r\u00e9gimes de retraite et les v\u00e9hicules d\u2019\u00e9pargne-retraite jouent des r\u00f4les tr\u00e8s diff\u00e9rents. Les employeurs qui comprennent cette distinction peuvent cr\u00e9er des programmes \u00e9quilibrant flexibilit\u00e9 et s\u00e9curit\u00e9 \u00e0 long terme. <\/p>\n\n\n<style>.kb-row-layout-id14711_63c501-a7 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id14711_63c501-a7 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id14711_63c501-a7 > .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-xs, 1rem);grid-template-columns:minmax(0, calc(50% - ((var(--global-kb-gap-md, 2rem) * 1 )\/2)))minmax(0, calc(50% - ((var(--global-kb-gap-md, 2rem) * 1 )\/2)));}.kb-row-layout-id14711_63c501-a7 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id14711_63c501-a7 > .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: 767px){.kb-row-layout-id14711_63c501-a7 > .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);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id14711_63c501-a7 alignnone wp-block-kadence-rowlayout\"><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-column14711_7b6ab0-6c > .kt-inside-inner-col,.kadence-column14711_7b6ab0-6c > .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-column14711_7b6ab0-6c > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14711_7b6ab0-6c > .kt-inside-inner-col{flex-direction:column;}.kadence-column14711_7b6ab0-6c > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14711_7b6ab0-6c > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14711_7b6ab0-6c{position:relative;}@media all and (max-width: 1024px){.kadence-column14711_7b6ab0-6c > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column14711_7b6ab0-6c > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14711_7b6ab0-6c\"><div class=\"kt-inside-inner-col\">\n<h5 class=\"wp-block-heading has-text-align-center has-theme-palette-5-color has-text-color has-link-color has-medium-font-size wp-elements-1\" id=\"pension-plans\" style=\"padding-bottom:var(--wp--preset--spacing--40)\"><strong>R\u00e9gimes de retraite (r\u00e9gimes PD, r\u00e9gimes CD, RRS)<\/strong><\/h5>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items14711_e0d628-46:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14711_e0d628-46 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-md, 2rem);margin-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14711_e0d628-46 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14711_e0d628-46 .kb-svg-icon-wrap{font-size:15px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14711_e0d628-46 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items14711_e0d628-46 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-items14711_e0d628-46 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-14711_c8beda-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-14711_c8beda-28\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_arrowRight 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\"><line x1=\"5\" y1=\"12\" x2=\"19\" y2=\"12\"\/><polyline points=\"12 5 19 12 12 19\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Parrain\u00e9s par l\u2019employeur et encadr\u00e9s par la loi, avec les actifs d\u00e9tenus en fiducie pour les employ\u00e9s.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14711_5c4537-04 .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-14711_5c4537-04\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_arrowRight 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\"><line x1=\"5\" y1=\"12\" x2=\"19\" y2=\"12\"\/><polyline points=\"12 5 19 12 12 19\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Cotisations structur\u00e9es et r\u00e8gles pr\u00e9cises sur l\u2019acquisition, l\u2019admissibilit\u00e9 et les prestations.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14711_39e0ea-13 .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-14711_39e0ea-13\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_arrowRight 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\"><line x1=\"5\" y1=\"12\" x2=\"19\" y2=\"12\"\/><polyline points=\"12 5 19 12 12 19\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Le revenu de retraite est plus pr\u00e9visible (surtout avec un r\u00e9gime \u00e0 prestations d\u00e9termin\u00e9es).<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14711_e60a12-a9 .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-14711_e60a12-a9\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_arrowRight 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\"><line x1=\"5\" y1=\"12\" x2=\"19\" y2=\"12\"\/><polyline points=\"12 5 19 12 12 19\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Les risques et responsabilit\u00e9s sont partag\u00e9s entre employeur et employ\u00e9.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14711_3733ec-58 .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-14711_3733ec-58\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_arrowRight 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\"><line x1=\"5\" y1=\"12\" x2=\"19\" y2=\"12\"\/><polyline points=\"12 5 19 12 12 19\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Offre une s\u00e9curit\u00e9 durable, un pilier solide du programme d\u2019avantages.<\/span><\/li>\n<\/ul><\/div>\n\n\n<style>.kb-row-layout-id14711_22363e-4d > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id14711_22363e-4d > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id14711_22363e-4d > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-sm, 1rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-right:0px;padding-bottom:var(--global-kb-spacing-xs, 1rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id14711_22363e-4d{border-top-left-radius:50px;border-top-right-radius:50px;border-bottom-right-radius:50px;border-bottom-left-radius:50px;overflow:clip;isolation:isolate;}.kb-row-layout-id14711_22363e-4d > .kt-row-layout-overlay{border-top-left-radius:50px;border-top-right-radius:50px;border-bottom-right-radius:50px;border-bottom-left-radius:50px;}.kb-row-layout-id14711_22363e-4d{border-top:3px double #40986b;border-right:3px double #40986b;border-bottom:3px double #40986b;border-left:3px double #40986b;}.kb-row-layout-id14711_22363e-4d > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id14711_22363e-4d > .kt-row-column-wrap{padding-top:var(--global-kb-spacing-lg, 3rem);padding-bottom:var(--global-kb-spacing-lg, 3rem);grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 1024px){.kb-row-layout-id14711_22363e-4d{border-top:3px double #40986b;border-right:3px double #40986b;border-bottom:3px double #40986b;border-left:3px double #40986b;}}@media all and (max-width: 767px){.kb-row-layout-id14711_22363e-4d > .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-id14711_22363e-4d{border-top:3px double #40986b;border-right:3px double #40986b;border-bottom:3px double #40986b;border-left:3px double #40986b;}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id14711_22363e-4d alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-row kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column14711_29fe2c-43 > .kt-inside-inner-col,.kadence-column14711_29fe2c-43 > .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-column14711_29fe2c-43 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14711_29fe2c-43 > .kt-inside-inner-col{flex-direction:column;}.kadence-column14711_29fe2c-43 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14711_29fe2c-43 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14711_29fe2c-43{position:relative;}@media all and (max-width: 1024px){.kadence-column14711_29fe2c-43 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column14711_29fe2c-43 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14711_29fe2c-43\"><div class=\"kt-inside-inner-col\">\n<h6 class=\"wp-block-heading has-theme-palette-3-color has-text-color has-link-color wp-elements-2\" id=\"basically\" style=\"padding-top:var(--wp--preset--spacing--40)\"><strong>En r\u00e9sum\u00e9 :<\/strong><\/h6>\n<\/div><\/div>\n\n\n<style>.kadence-column14711_0dcd9b-71 > .kt-inside-inner-col,.kadence-column14711_0dcd9b-71 > .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-column14711_0dcd9b-71 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14711_0dcd9b-71 > .kt-inside-inner-col{flex-direction:column;}.kadence-column14711_0dcd9b-71 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14711_0dcd9b-71 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14711_0dcd9b-71{position:relative;}@media all and (max-width: 1024px){.kadence-column14711_0dcd9b-71 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column14711_0dcd9b-71 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14711_0dcd9b-71\"><div class=\"kt-inside-inner-col\">\n<p class=\"wp-block-paragraph\"><strong>R\u00e9gime de retraite des employ\u00e9s<\/strong> = r\u00e9gime formel, encadr\u00e9, structur\u00e9 et pilot\u00e9 par l\u2019employeur.<\/p>\n<\/div><\/div>\n\n<\/div><\/div><\/div><\/div>\n\n\n<style>.kadence-column14711_6c468c-e1 > .kt-inside-inner-col,.kadence-column14711_6c468c-e1 > .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-column14711_6c468c-e1 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14711_6c468c-e1 > .kt-inside-inner-col{flex-direction:column;}.kadence-column14711_6c468c-e1 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14711_6c468c-e1 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14711_6c468c-e1{position:relative;}@media all and (max-width: 1024px){.kadence-column14711_6c468c-e1 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column14711_6c468c-e1 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14711_6c468c-e1\"><div class=\"kt-inside-inner-col\">\n<h5 class=\"wp-block-heading has-text-align-center has-theme-palette-5-color has-text-color has-link-color has-medium-font-size wp-elements-3\" id=\"retirement-savings-vehicles-e-g-rrsps-group-retirement-plans\" style=\"padding-bottom:var(--wp--preset--spacing--30)\"><strong>V\u00e9hicules d\u2019\u00e9pargne-retraite (REER collectifs, r\u00e9gimes d\u2019\u00e9pargne)<\/strong><\/h5>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items14711_36c071-44:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14711_36c071-44 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-items14711_36c071-44 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14711_36c071-44 .kb-svg-icon-wrap{font-size:15px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14711_36c071-44 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items14711_36c071-44 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-items14711_36c071-44 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-14711_74e5e6-4b .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-14711_74e5e6-4b\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_arrowRight 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\"><line x1=\"5\" y1=\"12\" x2=\"19\" y2=\"12\"\/><polyline points=\"12 5 19 12 12 19\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Comptes d\u00e9tenus par les employ\u00e9s, plus souples quant aux cotisations.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14711_e46fe7-8e .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-14711_e46fe7-8e\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_arrowRight 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\"><line x1=\"5\" y1=\"12\" x2=\"19\" y2=\"12\"\/><polyline points=\"12 5 19 12 12 19\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">L\u2019implication de l\u2019employeur est optionnelle, souvent limit\u00e9e \u00e0 des retenues sur la paie ou \u00e0 une contribution \u00e9quivalente.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14711_87aea6-82 .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-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14711_87aea6-82\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_arrowRight 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\"><line x1=\"5\" y1=\"12\" x2=\"19\" y2=\"12\"\/><polyline points=\"12 5 19 12 12 19\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Le rendement d\u00e9pend des investissements choisis.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14711_dee3ce-69 .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-14711_dee3ce-69\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_arrowRight 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\"><line x1=\"5\" y1=\"12\" x2=\"19\" y2=\"12\"\/><polyline points=\"12 5 19 12 12 19\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">L\u2019employ\u00e9 assume la majeure partie du risque financier.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14711_408554-cc .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-14711_408554-cc\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_arrowRight 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\"><line x1=\"5\" y1=\"12\" x2=\"19\" y2=\"12\"\/><polyline points=\"12 5 19 12 12 19\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Id\u00e9al pour ceux qui veulent un contr\u00f4le direct sur leurs placements.<\/span><\/li>\n<\/ul><\/div>\n\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id14711_139461-e8{margin-top:var(--global-kb-spacing-md, 2rem);}.kb-row-layout-id14711_139461-e8 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id14711_139461-e8 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id14711_139461-e8 > .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-xxs, 0.5rem);padding-right:0px;padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id14711_139461-e8{border-top-left-radius:50px;border-top-right-radius:50px;border-bottom-right-radius:50px;border-bottom-left-radius:50px;overflow:clip;isolation:isolate;}.kb-row-layout-id14711_139461-e8 > .kt-row-layout-overlay{border-top-left-radius:50px;border-top-right-radius:50px;border-bottom-right-radius:50px;border-bottom-left-radius:50px;}.kb-row-layout-id14711_139461-e8{border-top:3px double #40986b;border-right:3px double #40986b;border-bottom:3px double #40986b;border-left:3px double #40986b;}.kb-row-layout-id14711_139461-e8 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id14711_139461-e8 > .kt-row-column-wrap{padding-top:var(--global-kb-spacing-lg, 3rem);padding-bottom:var(--global-kb-spacing-lg, 3rem);grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 1024px){.kb-row-layout-id14711_139461-e8{border-top:3px double #40986b;border-right:3px double #40986b;border-bottom:3px double #40986b;border-left:3px double #40986b;}}@media all and (max-width: 767px){.kb-row-layout-id14711_139461-e8 > .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-id14711_139461-e8{border-top:3px double #40986b;border-right:3px double #40986b;border-bottom:3px double #40986b;border-left:3px double #40986b;}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id14711_139461-e8 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-row kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column14711_11c3a9-91 > .kt-inside-inner-col,.kadence-column14711_11c3a9-91 > .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-column14711_11c3a9-91 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14711_11c3a9-91 > .kt-inside-inner-col{flex-direction:column;}.kadence-column14711_11c3a9-91 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14711_11c3a9-91 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14711_11c3a9-91{position:relative;}@media all and (max-width: 1024px){.kadence-column14711_11c3a9-91 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column14711_11c3a9-91 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14711_11c3a9-91\"><div class=\"kt-inside-inner-col\">\n<h6 class=\"wp-block-heading has-theme-palette-3-color has-text-color has-link-color wp-elements-4\" id=\"basically\" style=\"padding-top:var(--wp--preset--spacing--40)\"><strong>En r\u00e9sum\u00e9 :<\/strong><\/h6>\n<\/div><\/div>\n\n\n<style>.kadence-column14711_6a401f-4e > .kt-inside-inner-col,.kadence-column14711_6a401f-4e > .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-column14711_6a401f-4e > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14711_6a401f-4e > .kt-inside-inner-col{flex-direction:column;}.kadence-column14711_6a401f-4e > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14711_6a401f-4e > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14711_6a401f-4e{position:relative;}@media all and (max-width: 1024px){.kadence-column14711_6a401f-4e > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column14711_6a401f-4e > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14711_6a401f-4e\"><div class=\"kt-inside-inner-col\">\n<p class=\"wp-block-paragraph\" style=\"padding-bottom:0\"><strong>REER collectifs et r\u00e9gimes d\u2019\u00e9pargne =<\/strong> programmes souples et ax\u00e9s sur l\u2019employ\u00e9.<\/p>\n<\/div><\/div>\n\n<\/div><\/div><\/div><\/div>\n\n<\/div><\/div>\n\n\n<h4 class=\"wp-block-heading\" id=\"key-takeaway-for-employers\">En bref pour les employeurs<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Choisir entre un r\u00e9gime de retraite et un r\u00e9gime d\u2019\u00e9pargne d\u00e9pend de votre mod\u00e8le d\u2019affaires et de votre effectif.<br>Un r\u00e9gime de retraite des employ\u00e9s t\u00e9moigne d\u2019un engagement \u00e0 long terme, parfait pour les employeurs qui veulent b\u00e2tir loyaut\u00e9 et stabilit\u00e9. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Un r\u00e9gime d\u2019\u00e9pargne, lui, conviendra mieux aux entreprises qui privil\u00e9gient la flexibilit\u00e9 ou \u0153uvrent dans des secteurs \u00e0 fort roulement. Certains employeurs optent m\u00eame pour une combinaison des deux afin d\u2019obtenir le meilleur \u00e9quilibre.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"how-employee-pension-plans-benefit-employees-and-employers\">Les avantages pour les employ\u00e9s et les employeurs<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Beaucoup d\u2019employeurs per\u00e7oivent les r\u00e9gimes de retraite des employ\u00e9s comme une formalit\u00e9, un \u00e9l\u00e9ment de plus \u00e0 inclure dans le programme d\u2019avantages. En r\u00e9alit\u00e9, un r\u00e9gime bien pens\u00e9 d\u00e9passe la simple conformit\u00e9, il renforce la fid\u00e9lit\u00e9, attire les meilleurs talents et cr\u00e9e un sentiment de soutien et de s\u00e9curit\u00e9 financi\u00e8re durable.<\/p>\n\n\n<style>.kb-row-layout-id14711_c53bff-48 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id14711_c53bff-48 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id14711_c53bff-48 > .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-md, 2rem);grid-template-columns:repeat(2, minmax(0, 1fr));}.kb-row-layout-id14711_c53bff-48{border-top-left-radius:15px;border-top-right-radius:15px;border-bottom-right-radius:15px;border-bottom-left-radius:15px;overflow:clip;isolation:isolate;}.kb-row-layout-id14711_c53bff-48 > .kt-row-layout-overlay{border-top-left-radius:15px;border-top-right-radius:15px;border-bottom-right-radius:15px;border-bottom-left-radius:15px;}.kb-row-layout-id14711_c53bff-48{border-top:5px double var(--global-palette1, #3182CE);border-right:5px double var(--global-palette1, #3182CE);border-bottom:5px double var(--global-palette1, #3182CE);border-left:5px double var(--global-palette1, #3182CE);}.kb-row-layout-id14711_c53bff-48 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id14711_c53bff-48 > .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-id14711_c53bff-48{border-top:5px double var(--global-palette1, #3182CE);border-right:5px double var(--global-palette1, #3182CE);border-bottom:5px double var(--global-palette1, #3182CE);border-left:5px double var(--global-palette1, #3182CE);}}@media all and (max-width: 767px){.kb-row-layout-id14711_c53bff-48 > .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-id14711_c53bff-48{border-top:5px double var(--global-palette1, #3182CE);border-right:5px double var(--global-palette1, #3182CE);border-bottom:5px double var(--global-palette1, #3182CE);border-left:5px double var(--global-palette1, #3182CE);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id14711_c53bff-48 alignnone wp-block-kadence-rowlayout\"><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-column14711_57e94a-5c > .kt-inside-inner-col,.kadence-column14711_57e94a-5c > .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-column14711_57e94a-5c > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14711_57e94a-5c > .kt-inside-inner-col{flex-direction:column;}.kadence-column14711_57e94a-5c > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14711_57e94a-5c > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14711_57e94a-5c{position:relative;}@media all and (max-width: 1024px){.kadence-column14711_57e94a-5c > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column14711_57e94a-5c > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14711_57e94a-5c\"><div class=\"kt-inside-inner-col\">\n<h4 class=\"wp-block-heading has-text-align-center has-theme-palette-5-color has-text-color has-link-color wp-elements-5\" id=\"what-employees-get\" style=\"padding-bottom:var(--wp--preset--spacing--40)\">Pour les employ\u00e9s<\/h4>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items14711_4b6402-4a:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14711_4b6402-4a 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-items14711_4b6402-4a ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14711_4b6402-4a .kb-svg-icon-wrap{color:var(--global-palette1, #3182CE);}.wp-block-kadence-iconlist.kt-svg-icon-list-items14711_4b6402-4a ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items14711_4b6402-4a 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-items14711_4b6402-4a kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-14711_b72559-27 .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-14711_b72559-27\"><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 \u00e0 la retraite :<\/strong> transforme les cotisations en revenu fiable \u00e0 long terme.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14711_b75626-dd .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-14711_b75626-dd\"><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>Cotisations de l\u2019employeur : <\/strong>les contributions additionnelles stimulent l\u2019\u00e9pargne sans effort suppl\u00e9mentaire.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14711_8e0f81-cd .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-14711_8e0f81-cd\"><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>Avantages fiscaux :<\/strong> les cotisations r\u00e9duisent le revenu imposable, offrant un gain imm\u00e9diat et futur.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14711_c0ec13-2e .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-14711_c0ec13-2e\"><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>Portabilit\u00e9 :<\/strong> certains r\u00e9gimes permettent de transf\u00e9rer l\u2019\u00e9pargne lors d\u2019un changement d\u2019emploi.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14711_fd52ce-27 .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-14711_fd52ce-27\"><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>Satisfaction et fid\u00e9lit\u00e9 :<\/strong> l\u2019investissement de l\u2019employeur dans leur avenir renforce la motivation et la r\u00e9tention.<\/span><\/li>\n<\/ul><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column14711_8031ab-95 > .kt-inside-inner-col,.kadence-column14711_8031ab-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-column14711_8031ab-95 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14711_8031ab-95 > .kt-inside-inner-col{flex-direction:column;}.kadence-column14711_8031ab-95 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14711_8031ab-95 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14711_8031ab-95{position:relative;}@media all and (max-width: 1024px){.kadence-column14711_8031ab-95 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column14711_8031ab-95 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14711_8031ab-95\"><div class=\"kt-inside-inner-col\">\n<h4 class=\"wp-block-heading has-text-align-center has-theme-palette-5-color has-text-color has-link-color wp-elements-6\" id=\"what-employers-get\" style=\"padding-bottom:var(--wp--preset--spacing--40)\">Pour les employ\u00e9s<\/h4>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items14711_f299f7-63:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14711_f299f7-63 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-items14711_f299f7-63 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14711_f299f7-63 .kb-svg-icon-wrap{color:var(--global-palette1, #3182CE);}.wp-block-kadence-iconlist.kt-svg-icon-list-items14711_f299f7-63 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items14711_f299f7-63 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-items14711_f299f7-63 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-14711_38c403-e3 .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-14711_38c403-e3\"><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>Attraction des talents :<\/strong> un bon r\u00e9gime de retraite d\u00e9montre un engagement r\u00e9el envers le bien-\u00eatre des employ\u00e9s.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14711_dfdff6-a4 .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-14711_dfdff6-a4\"><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>R\u00e9duction du roulement :<\/strong> la s\u00e9curit\u00e9 financi\u00e8re retient le personnel, limitant les co\u00fbts de recrutement et de formation.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14711_a70d9f-0e .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-14711_a70d9f-0e\"><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>Engagement accru :<\/strong> la stabilit\u00e9 financi\u00e8re favorise la concentration, la productivit\u00e9 et la performance.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14711_d6881c-a8 .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-14711_d6881c-a8\"><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>Avantages fiscaux :<\/strong> les cotisations patronales sont souvent d\u00e9ductibles d\u2019imp\u00f4t, un gain pour l\u2019entreprise.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14711_3b9eae-be .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-14711_3b9eae-be\"><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>Image de marque solide :<\/strong> un r\u00e9gime de retraite t\u00e9moigne d\u2019une culture ax\u00e9e sur les personnes et renforce la r\u00e9putation de l\u2019employeur.<\/span><\/li>\n<\/ul><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"how-pension-plans-work\">Comment fonctionne les r\u00e9gimes de retraite<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Les r\u00e9gimes de retraite des employ\u00e9s sont des avantages tr\u00e8s modulables. Les r\u00e8gles d\u2019admissibilit\u00e9, les structures de cotisation et les r\u00e9sultats \u00e0 long terme varient d\u2019une entreprise \u00e0 l\u2019autre. Les choix que vous faites ici influenceront directement la valeur per\u00e7ue du r\u00e9gime par vos employ\u00e9s.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"vesting-eligibility\">Acquisition et admissibilit\u00e9<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Les employ\u00e9s doivent souvent remplir certaines conditions d\u2019anciennet\u00e9 avant d\u2019avoir droit aux cotisations de l\u2019employeur. Ce m\u00e9canisme prot\u00e8ge l\u2019entreprise contre le financement de travailleurs de passage tout en r\u00e9compensant la fid\u00e9lit\u00e9.<br>Les employ\u00e9s \u00e0 temps partiel ou saisonniers peuvent aussi se trouver dans une zone grise qui demande une planification adapt\u00e9e. <\/p>\n\n\n\n<h5 class=\"wp-block-heading has-medium-font-size\" id=\"advice-for-employers\" style=\"padding-bottom:var(--wp--preset--spacing--40)\">Conseils aux employeurs<\/h5>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items14711_3a2a94-8a:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14711_3a2a94-8a 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-items14711_3a2a94-8a ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14711_3a2a94-8a ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items14711_3a2a94-8a 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-items14711_3a2a94-8a kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-14711_29a8db-35 .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-14711_29a8db-35 kt-svg-icon-list-level-1\"><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\">Faites correspondre les crit\u00e8res d\u2019admissibilit\u00e9 \u00e0 la culture de votre entreprise. Si vous pr\u00f4nez la stabilit\u00e9 et l\u2019\u00e9quit\u00e9, une admissibilit\u00e9 \u00e9largie enverra le bon message.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14711_c4a169-a3 .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-14711_c4a169-a3 kt-svg-icon-list-level-1\"><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\">Soyez transparent d\u00e8s le d\u00e9part : des r\u00e8gles floues cr\u00e9ent frustration et m\u00e9fiance.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14711_7d8e40-77 .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-14711_7d8e40-77 kt-svg-icon-list-level-1\"><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\">Cherchez un \u00e9quilibre entre ma\u00eetrise des co\u00fbts et inclusion. Par exemple, vous pouvez exclure le personnel temporaire mais offrir un acc\u00e8s proportionnel aux employ\u00e9s \u00e0 temps partiel. <\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">En mati\u00e8re de retraite au Qu\u00e9bec, l\u2019admissibilit\u00e9 au R\u00e9gime de rentes du Qu\u00e9bec (RRQ) est aussi essentielle, seuls les employ\u00e9s qui respectent certains <a href=\"https:\/\/www.rrq.gouv.qc.ca\/fr\/retraite\/rrq\/admissibilite\/Pages\/admissibilite_rr.aspx\" data-type=\"link\" data-id=\"https:\/\/www.rrq.gouv.qc.ca\/fr\/retraite\/rrq\/admissibilite\/Pages\/admissibilite_rr.aspx\" target=\"_blank\" rel=\"noopener\">crit\u00e8res d\u2019emploi et de r\u00e9sidence<\/a> y ont droit.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"contributions-funding\">Cotisations et financement<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Un r\u00e9gime de retraite des employ\u00e9s repose sur le partage des responsabilit\u00e9s entre l\u2019employeur et l\u2019employ\u00e9. L\u2019employeur verse g\u00e9n\u00e9ralement des cotisations r\u00e9guli\u00e8res, parfois \u00e9quivalentes \u00e0 celles des employ\u00e9s, parfois sup\u00e9rieures pour d\u00e9montrer son engagement \u00e0 long terme envers son \u00e9quipe.<\/p>\n\n\n\n<h5 class=\"wp-block-heading has-medium-font-size\" id=\"advice-for-employers-1\" style=\"padding-bottom:var(--wp--preset--spacing--40)\">Conseils aux employeurs<\/h5>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items14711_7f389e-39:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14711_7f389e-39 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-items14711_7f389e-39 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14711_7f389e-39 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items14711_7f389e-39 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-items14711_7f389e-39 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-14711_6e8434-d8 .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-14711_6e8434-d8 kt-svg-icon-list-level-1\"><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\">Optez pour un mod\u00e8le de cotisation durable. Des promesses trop g\u00e9n\u00e9reuses peuvent nuire \u00e0 la cr\u00e9dibilit\u00e9 du r\u00e9gime.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14711_6e7e76-04 .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-14711_6e7e76-04 kt-svg-icon-list-level-1\"><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\">Utilisez des formules de contrepartie pour inciter les employ\u00e9s \u00e0 participer activement.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14711_10f28a-4c .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-14711_10f28a-4c kt-svg-icon-list-level-1\"><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\">Comparez-vous \u00e0 vos concurrents pour rester comp\u00e9titif sur le plan du recrutement.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14711_e7d21d-5d .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-14711_e7d21d-5d kt-svg-icon-list-level-1\"><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\">R\u00e9\u00e9valuez r\u00e9guli\u00e8rement votre mod\u00e8le de cotisation afin d\u2019assurer sa viabilit\u00e9.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"long-term-benefits\">Conformit\u00e9 et exigences r\u00e9glementaires<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Au Canada, les r\u00e9gimes de retraite des employ\u00e9s doivent respecter les normes fiscales et l\u00e9gales f\u00e9d\u00e9rales. L\u2019Agence du revenu du Canada (ARC) encadre les cotisations, retraits et obligations de d\u00e9claration afin d\u2019assurer la conformit\u00e9. Une tenue de dossiers rigoureuse est indispensable pour \u00e9viter les p\u00e9nalit\u00e9s et pr\u00e9server la confiance des employ\u00e9s.  <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Au Qu\u00e9bec, des r\u00e8gles suppl\u00e9mentaires s\u2019appliquent. Revenu Qu\u00e9bec et les organismes provinciaux de r\u00e9glementation surveillent l\u2019inscription, le financement et les rapports exig\u00e9s, notamment les normes propres au R\u00e9gime de rentes du Qu\u00e9bec. <\/p>\n\n\n\n<h5 class=\"wp-block-heading has-medium-font-size\" id=\"advice-for-employers-2\" style=\"padding-bottom:var(--wp--preset--spacing--40)\">Conseils aux employeurs<\/h5>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items14711_e87a44-ab:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14711_e87a44-ab 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-items14711_e87a44-ab ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14711_e87a44-ab ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items14711_e87a44-ab 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-items14711_e87a44-ab kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-14711_9df10c-d1 .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-14711_9df10c-d1 kt-svg-icon-list-level-1\"><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\">Conservez des registres d\u00e9taill\u00e9s des cotisations, droits acquis et participations pour simplifier la reddition de comptes.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14711_6e3821-37 .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-14711_6e3821-37 kt-svg-icon-list-level-1\"><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\">Restez \u00e0 jour sur les changements l\u00e9gislatifs f\u00e9d\u00e9raux et provinciaux pour \u00e9viter les risques de non-conformit\u00e9.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14711_507b9e-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-14711_507b9e-52 kt-svg-icon-list-level-1\"><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\">Collaborez avec un fournisseur de r\u00e9gimes de retraite ou un conseiller juridique pour assurer la conformit\u00e9 compl\u00e8te de votre programme.<\/span><\/li>\n<\/ul><\/div>\n\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id14711_182bbc-25{margin-top:var(--global-kb-spacing-sm, 1.5rem);margin-bottom:var(--global-kb-spacing-sm, 1.5rem);}.kb-row-layout-id14711_182bbc-25 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id14711_182bbc-25 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id14711_182bbc-25 > .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(60% - ((var(--global-kb-gap-none, 0rem ) * 1 )\/2)))minmax(0, calc(40% - ((var(--global-kb-gap-none, 0rem ) * 1 )\/2)));}.kb-row-layout-id14711_182bbc-25{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-id14711_182bbc-25 > .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-id14711_182bbc-25 > .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-id14711_182bbc-25 > .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-id14711_182bbc-25 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id14711_182bbc-25 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-column14711_1c743e-0a > .kt-inside-inner-col,.kadence-column14711_1c743e-0a > .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-column14711_1c743e-0a > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14711_1c743e-0a > .kt-inside-inner-col{flex-direction:column;}.kadence-column14711_1c743e-0a > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14711_1c743e-0a > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14711_1c743e-0a{position:relative;}@media all and (max-width: 1024px){.kadence-column14711_1c743e-0a > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column14711_1c743e-0a > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14711_1c743e-0a\"><div class=\"kt-inside-inner-col\"><style>.kadence-column14711_7ceeb9-d2 > .kt-inside-inner-col{display:flex;}#wrapper.site{overflow:clip;}.kadence-column14711_7ceeb9-d2{--kb-section-setting-offset:90px;}.kadence-column14711_7ceeb9-d2 > .kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kadence-column14711_7ceeb9-d2 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14711_7ceeb9-d2 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column14711_7ceeb9-d2 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column14711_7ceeb9-d2{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14711_7ceeb9-d2{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14711_7ceeb9-d2 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column14711_7ceeb9-d2 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14711_7ceeb9-d2{text-align:left;}.kadence-column14711_7ceeb9-d2{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column14711_7ceeb9-d2{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-column14711_7ceeb9-d2{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14711_7ceeb9-d2 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 1024px){.kadence-column14711_7ceeb9-d2 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column14711_7ceeb9-d2{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14711_7ceeb9-d2{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14711_7ceeb9-d2 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column14711_7ceeb9-d2 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14711_7ceeb9-d2 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-heading14711_5c6be1-2d, .wp-block-kadence-advancedheading.kt-adv-heading14711_5c6be1-2d[data-kb-block=\"kb-adv-heading14711_5c6be1-2d\"]{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-heading14711_5c6be1-2d mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading14711_5c6be1-2d[data-kb-block=\"kb-adv-heading14711_5c6be1-2d\"] 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-heading14711_5c6be1-2d img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading14711_5c6be1-2d[data-kb-block=\"kb-adv-heading14711_5c6be1-2d\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading14711_5c6be1-2d, .wp-block-kadence-advancedheading.kt-adv-heading14711_5c6be1-2d[data-kb-block=\"kb-adv-heading14711_5c6be1-2d\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading14711_5c6be1-2d, .wp-block-kadence-advancedheading.kt-adv-heading14711_5c6be1-2d[data-kb-block=\"kb-adv-heading14711_5c6be1-2d\"]{text-align:center!important;}}<\/style>\n<h4 class=\"kt-adv-heading14711_5c6be1-2d wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading14711_5c6be1-2d\">Besoin d\u2019aide pour naviguer la r\u00e9glementation?<\/h4>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading14711_49f1e3-cb, .wp-block-kadence-advancedheading.kt-adv-heading14711_49f1e3-cb[data-kb-block=\"kb-adv-heading14711_49f1e3-cb\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading14711_49f1e3-cb mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading14711_49f1e3-cb[data-kb-block=\"kb-adv-heading14711_49f1e3-cb\"] 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-heading14711_49f1e3-cb img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading14711_49f1e3-cb[data-kb-block=\"kb-adv-heading14711_49f1e3-cb\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading14711_49f1e3-cb, .wp-block-kadence-advancedheading.kt-adv-heading14711_49f1e3-cb[data-kb-block=\"kb-adv-heading14711_49f1e3-cb\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading14711_49f1e3-cb, .wp-block-kadence-advancedheading.kt-adv-heading14711_49f1e3-cb[data-kb-block=\"kb-adv-heading14711_49f1e3-cb\"]{text-align:center!important;}}<\/style>\n<p class=\"kt-adv-heading14711_49f1e3-cb wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading14711_49f1e3-cb\">Nos sp\u00e9cialistes en avantages sociaux peuvent vous aider \u00e0 concevoir un r\u00e9gime conforme, simple \u00e0 administrer et adapt\u00e9 \u00e0 vos objectifs d\u2019entreprise.<\/p>\n<\/div><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column14711_2ca2ea-52 > .kt-inside-inner-col{display:flex;}.kadence-column14711_2ca2ea-52 > .kt-inside-inner-col,.kadence-column14711_2ca2ea-52 > .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-column14711_2ca2ea-52 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14711_2ca2ea-52 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column14711_2ca2ea-52 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column14711_2ca2ea-52{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14711_2ca2ea-52{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14711_2ca2ea-52 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column14711_2ca2ea-52 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14711_2ca2ea-52{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column14711_2ca2ea-52{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14711_2ca2ea-52{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14711_2ca2ea-52 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column14711_2ca2ea-52 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column14711_2ca2ea-52{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14711_2ca2ea-52{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14711_2ca2ea-52 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column14711_2ca2ea-52 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14711_2ca2ea-52\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading14711_3122f8-54, .wp-block-kadence-advancedheading.kt-adv-heading14711_3122f8-54[data-kb-block=\"kb-adv-heading14711_3122f8-54\"]{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-heading14711_3122f8-54[data-kb-block=\"kb-adv-heading14711_3122f8-54\"]{display:flex;gap:0.25em;justify-content:center;align-items:center;}.wp-block-kadence-advancedheading.kt-adv-heading14711_3122f8-54[data-kb-block=\"kb-adv-heading14711_3122f8-54\"] .kb-adv-heading-icon svg{width:1em;height:1em;}.wp-block-kadence-advancedheading.kt-adv-heading14711_3122f8-54[data-kb-block=\"kb-adv-heading14711_3122f8-54\"] .kb-adv-heading-icon{color:var(--global-palette1, #3182CE);}.wp-block-kadence-advancedheading.kt-adv-heading14711_3122f8-54 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading14711_3122f8-54[data-kb-block=\"kb-adv-heading14711_3122f8-54\"] 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-heading14711_3122f8-54 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading14711_3122f8-54[data-kb-block=\"kb-adv-heading14711_3122f8-54\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading14711_3122f8-54, .wp-block-kadence-advancedheading.kt-adv-heading14711_3122f8-54[data-kb-block=\"kb-adv-heading14711_3122f8-54\"]{text-align:center!important;}}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading14711_3122f8-54[data-kb-block=\"kb-adv-heading14711_3122f8-54\"]{justify-content:center;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading14711_3122f8-54, .wp-block-kadence-advancedheading.kt-adv-heading14711_3122f8-54[data-kb-block=\"kb-adv-heading14711_3122f8-54\"]{padding-bottom:0px;text-align:center!important;}.wp-block-kadence-advancedheading.kt-adv-heading14711_3122f8-54[data-kb-block=\"kb-adv-heading14711_3122f8-54\"]{justify-content:center;}}<\/style><p class=\"kt-adv-heading14711_3122f8-54 wp-block-kadence-advancedheading kt-adv-heading-has-icon\" data-kb-block=\"kb-adv-heading14711_3122f8-54\"><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-btns14711_f0de75-63{gap:var(--global-kb-gap-xs, 0.5rem );justify-content:center;align-items:center;}.kt-btns14711_f0de75-63 .kt-button{font-weight:normal;font-style:normal;}.kt-btns14711_f0de75-63 .kt-btn-wrap-0{margin-right:5px;}.wp-block-kadence-advancedbtn.kt-btns14711_f0de75-63 .kt-btn-wrap-0 .kt-button{color:#555555;border-color:#555555;}.wp-block-kadence-advancedbtn.kt-btns14711_f0de75-63 .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns14711_f0de75-63 .kt-btn-wrap-0 .kt-button:focus{color:#ffffff;border-color:#444444;}.wp-block-kadence-advancedbtn.kt-btns14711_f0de75-63 .kt-btn-wrap-0 .kt-button::before{display:none;}.wp-block-kadence-advancedbtn.kt-btns14711_f0de75-63 .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns14711_f0de75-63 .kt-btn-wrap-0 .kt-button:focus{background:#444444;}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn.kb-btns14711_f0de75-63{justify-content:center;}}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn.kb-btns14711_f0de75-63{justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-advancedbtn kb-buttons-wrap kb-btns14711_f0de75-63\"><style>ul.menu .wp-block-kadence-advancedbtn .kb-btn14711_51f91f-1f.kb-button{width:initial;}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn .kb-btn14711_51f91f-1f.kb-button{font-size:var(--global-kb-font-size-sm, 0.9rem);}}<\/style><a class=\"kb-button kt-button button kb-btn14711_51f91f-1f 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>.kb-image14711_348071-b1 .kb-image-has-overlay:after{opacity:0.3;}<\/style>\n<figure class=\"wp-block-kadence-image kb-image14711_348071-b1 size-full\"><img decoding=\"async\" width=\"1000\" height=\"562\" src=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/09\/hr-team-discussing-pension-plan.webp\" alt=\"\" class=\"kb-img wp-image-14572\" srcset=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/09\/hr-team-discussing-pension-plan.webp 1000w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/09\/hr-team-discussing-pension-plan-300x169.webp 300w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/09\/hr-team-discussing-pension-plan-768x432.webp 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"types-of-employee-pension-plans\">Types de r\u00e9gimes de retraite des employ\u00e9s<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Au Canada, on distingue plusieurs types de r\u00e9gimes selon la fa\u00e7on dont les prestations de retraite sont calcul\u00e9es, financ\u00e9es et vers\u00e9es. Chaque formule implique des responsabilit\u00e9s et des risques diff\u00e9rents, autant pour l\u2019employeur que pour les employ\u00e9s. Bien comprendre ces diff\u00e9rences aide \u00e0 choisir un r\u00e9gime align\u00e9 sur vos objectifs et compatible avec vos autres avantages collectifs.  <\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"defined-benefit-db-pension-plans\">R\u00e9gimes \u00e0 prestations d\u00e9termin\u00e9es (PD)<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Le <a href=\"https:\/\/twinn.ca\/fr\/regime-retraite-prestations-determinees\/\" data-type=\"link\" data-id=\"https:\/\/twinn.ca\/fr\/regime-retraite-prestations-determinees\/\">r\u00e9gime \u00e0 prestations d\u00e9termin\u00e9es<\/a> garantit un revenu de retraite fond\u00e9 sur le salaire et les ann\u00e9es de service. L\u2019employeur assume le risque li\u00e9 aux placements et \u00e0 la long\u00e9vit\u00e9, ce qui assure aux employ\u00e9s des prestations stables, peu importe les fluctuations du march\u00e9.<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items14711_07cbbb-e5:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14711_07cbbb-e5 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-items14711_07cbbb-e5 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14711_07cbbb-e5 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items14711_07cbbb-e5 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-items14711_07cbbb-e5 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-14711_2223a8-43 .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-14711_2223a8-43\"><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>Id\u00e9al pour :<\/strong> les entreprises de secteurs stables, avec main-d\u2019\u0153uvre \u00e0 long terme.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14711_fe8182-71 .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-14711_fe8182-71\"><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>Avantages :<\/strong> revenu pr\u00e9visible, fid\u00e9lisation accrue.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14711_4c2395-5e .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-14711_4c2395-5e\"><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>Inconv\u00e9nients :<\/strong> co\u00fbts \u00e9lev\u00e9s pour l\u2019employeur, exigences actuarielles, risques financiers en cas de d\u00e9ficit de financement.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<blockquote class=\"wp-block-quote is-style-default is-layout-flow wp-block-quote-is-layout-flow\" style=\"padding-top:0;padding-bottom:0\">\n<p class=\"wp-block-paragraph\"><strong>Comparaison :<\/strong> par rapport aux r\u00e9gimes \u00e0 cotisations d\u00e9termin\u00e9es, les PD offrent plus de s\u00e9curit\u00e9 aux employ\u00e9s mais plus de risque et de complexit\u00e9 pour l\u2019employeur.<\/p>\n<\/blockquote>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"defined-contribution-dc-pension-plans\">R\u00e9gimes \u00e0 cotisations d\u00e9termin\u00e9es (CD)<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">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> fixe le montant des cotisations de l\u2019employeur et de l\u2019employ\u00e9, mais ne garantit pas le revenu \u00e0 la retraite. Le montant final d\u00e9pend des rendements des placements, ce qui signifie que l\u2019employ\u00e9 assume la majorit\u00e9 du risque.<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items14711_274ef1-c0:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14711_274ef1-c0 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-items14711_274ef1-c0 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14711_274ef1-c0 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items14711_274ef1-c0 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-items14711_274ef1-c0 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-14711_112ba4-5d .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-14711_112ba4-5d\"><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>Id\u00e9al pour :<\/strong> les employeurs cherchant des co\u00fbts pr\u00e9visibles et de la flexibilit\u00e9.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14711_58d38d-d5 .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-14711_58d38d-d5\"><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>Avantages :<\/strong> d\u00e9penses ma\u00eetris\u00e9es, structure adaptable, conformit\u00e9 simplifi\u00e9e.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14711_6190eb-c8 .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-14711_6190eb-c8\"><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>Inconv\u00e9nients :<\/strong> moins de s\u00e9curit\u00e9 pour les employ\u00e9s, n\u00e9cessit\u00e9 d\u2019une bonne \u00e9ducation financi\u00e8re.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Comparaison :<\/strong> les CD r\u00e9duisent le risque et la complexit\u00e9 pour l\u2019employeur, mais offrent une retraite moins pr\u00e9visible pour les employ\u00e9s.<\/p>\n<\/blockquote>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"simplified-pension-plans-spps\">R\u00e9gimes de retraite simplifi\u00e9s (RRS)<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Les <a href=\"https:\/\/twinn.ca\/fr\/regime-retraite-simplifie\/\" data-type=\"link\" data-id=\"https:\/\/twinn.ca\/fr\/regime-retraite-simplifie\/\">r\u00e9gimes de retraite simplifi\u00e9s (RRS)<\/a> sont con\u00e7us pour les petites et moyennes entreprises. Ce sont essentiellement des r\u00e9gimes \u00e0 cotisations d\u00e9termin\u00e9es all\u00e9g\u00e9s, avec une administration plus simple et des plafonds de cotisation adapt\u00e9s \u00e0 la taille de l\u2019entreprise.<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items14711_b12114-c3:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14711_b12114-c3 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-items14711_b12114-c3 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14711_b12114-c3 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items14711_b12114-c3 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-items14711_b12114-c3 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-14711_d4bb47-35 .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-14711_d4bb47-35\"><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>Id\u00e9al pour :<\/strong> les PME disposant de ressources limit\u00e9es en ressources humaines ou en finances.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14711_b49d90-4b .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-14711_b49d90-4b\"><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>Avantages : <\/strong>mise en place facile, exigences r\u00e9glementaires minimales, co\u00fbts pr\u00e9visibles.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14711_92cf92-15 .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-14711_92cf92-15\"><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>Inconv\u00e9nients :<\/strong> plafonds de cotisation restreints, pouvant d\u00e9savantager les salari\u00e9s \u00e0 revenus \u00e9lev\u00e9s.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Comparaison :<\/strong> les RRS sont plus accessibles que les r\u00e9gimes PD ou CD complets, mais offrent une flexibilit\u00e9 et des prestations de retraite plus modestes.<\/p>\n<\/blockquote>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"hybrid-or-multi-option-plans\">R\u00e9gimes hybrides ou \u00e0 options multiples<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Les r\u00e9gimes hybrides combinent des \u00e9l\u00e9ments de prestations d\u00e9termin\u00e9es (PD) et de cotisations d\u00e9termin\u00e9es (CD), ou proposent plusieurs options parmi lesquelles les employ\u00e9s peuvent choisir.<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items14711_e8c886-d5:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14711_e8c886-d5 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-items14711_e8c886-d5 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14711_e8c886-d5 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items14711_e8c886-d5 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-items14711_e8c886-d5 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-14711_88b05e-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-14711_88b05e-8a\"><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>Id\u00e9al pour :<\/strong> les grandes entreprises capables de g\u00e9rer des r\u00e9gimes complexes.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14711_aca379-59 .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-14711_aca379-59\"><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>Avantages :<\/strong> flexibilit\u00e9, r\u00e9partition \u00e9quilibr\u00e9e du risque, attractif pour des \u00e9quipes diversifi\u00e9es.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14711_b98c0a-5b .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-14711_b98c0a-5b\"><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>Inconv\u00e9nients :<\/strong> gestion plus complexe, surveillance actuarielle souvent requise.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Comparaison :<\/strong> les r\u00e9gimes hybrides offrent plus de personnalisation et un partage du risque mieux \u00e9quilibr\u00e9, mais exigent des ressources et une expertise accrues.<\/p>\n<\/blockquote>\n\n\n<style>.kb-image14711_db07ce-d4 .kb-image-has-overlay:after{opacity:0.3;}<\/style>\n<figure class=\"wp-block-kadence-image kb-image14711_db07ce-d4 size-full\"><img decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/09\/business-partners-working-office.webp\" alt=\"\" class=\"kb-img wp-image-14574\" srcset=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/09\/business-partners-working-office.webp 1000w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/09\/business-partners-working-office-300x200.webp 300w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/09\/business-partners-working-office-768x512.webp 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"how-to-choose-the-right-employee-pension-plan\">Comment choisir le bon r\u00e9gime de retraite des employ\u00e9s<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Choisir le r\u00e9gime de retraite des employ\u00e9s adapt\u00e9 est une d\u00e9cision strat\u00e9gique qui influence \u00e0 la fois la s\u00e9curit\u00e9 financi\u00e8re du personnel et la sant\u00e9 financi\u00e8re de l\u2019entreprise. Le choix d\u00e9pend de la taille de l\u2019organisation, du profil des employ\u00e9s, du niveau de risque acceptable, du budget et du cadre r\u00e9glementaire particuli\u00e8rement au Qu\u00e9bec.<\/p>\n\n\n<style>.kb-row-layout-id14711_667b64-4b > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id14711_667b64-4b > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id14711_667b64-4b > .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-md, 2rem);padding-bottom:var(--global-kb-spacing-xs, 1rem);}.kb-row-layout-id14711_667b64-4b > .kt-row-column-wrap > div:not(.added-for-specificity){grid-column:initial;}.kb-row-layout-id14711_667b64-4b > .kt-row-column-wrap{grid-template-columns:repeat(2, minmax(0, 1fr));}.kb-row-layout-id14711_667b64-4b > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id14711_667b64-4b > .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-id14711_667b64-4b > .kt-row-column-wrap > div:not(.added-for-specificity){grid-column:initial;}}@media all and (max-width: 767px){.kb-row-layout-id14711_667b64-4b > .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-id14711_667b64-4b > .kt-row-column-wrap > div:not(.added-for-specificity){grid-column:initial;}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id14711_667b64-4b alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-4-columns kt-row-layout-two-grid kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column14711_cc1128-2f > .kt-inside-inner-col{border-top:3px double var(--global-palette2, #2B6CB0);border-right:3px double var(--global-palette2, #2B6CB0);border-bottom:3px double var(--global-palette2, #2B6CB0);border-left:3px double var(--global-palette2, #2B6CB0);}.kadence-column14711_cc1128-2f > .kt-inside-inner-col,.kadence-column14711_cc1128-2f > .kt-inside-inner-col:before{border-top-left-radius:50px;border-top-right-radius:50px;border-bottom-right-radius:50px;border-bottom-left-radius:50px;}.kadence-column14711_cc1128-2f > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14711_cc1128-2f > .kt-inside-inner-col{flex-direction:column;}.kadence-column14711_cc1128-2f > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14711_cc1128-2f > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14711_cc1128-2f{position:relative;}@media all and (max-width: 1024px){.kadence-column14711_cc1128-2f > .kt-inside-inner-col{border-top:3px double var(--global-palette2, #2B6CB0);border-right:3px double var(--global-palette2, #2B6CB0);border-bottom:3px double var(--global-palette2, #2B6CB0);border-left:3px double var(--global-palette2, #2B6CB0);flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column14711_cc1128-2f > .kt-inside-inner-col{border-top:3px double var(--global-palette2, #2B6CB0);border-right:3px double var(--global-palette2, #2B6CB0);border-bottom:3px double var(--global-palette2, #2B6CB0);border-left:3px double var(--global-palette2, #2B6CB0);flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14711_cc1128-2f\"><div class=\"kt-inside-inner-col\">\n<h5 class=\"wp-block-heading has-text-align-center has-medium-font-size\" id=\"step-1-assess-your-workforce-and-business-goals-1\" style=\"padding-top:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--40)\">\u00c9tape 1 : \u00c9valuer votre effectif et vos objectifs d\u2019affaires<\/h5>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items14711_159b40-72:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14711_159b40-72 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-xs, 1rem);margin-left:0px;padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-xxs, 0.5rem);padding-left:var(--global-kb-spacing-xs, 1rem);}.wp-block-kadence-iconlist.kt-svg-icon-list-items14711_159b40-72 ul.kt-svg-icon-list{grid-row-gap:14px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14711_159b40-72 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items14711_159b40-72 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-items14711_159b40-72 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-14711_a700c4-46 .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-14711_a700c4-46\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_square 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\"><rect x=\"3\" y=\"3\" width=\"18\" height=\"18\" rx=\"2\" ry=\"2\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Les effectifs jeunes et mobiles pr\u00e9f\u00e8rent souvent les r\u00e9gimes \u00e0 cotisations d\u00e9termin\u00e9es (CD) ou simplifi\u00e9s (RRS), tandis que les \u00e9quipes stables privil\u00e9gient la s\u00e9curit\u00e9 des r\u00e9gimes \u00e0 prestations d\u00e9termin\u00e9es (PD). <\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14711_fdee5a-7e .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-14711_fdee5a-7e\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_square 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\"><rect x=\"3\" y=\"3\" width=\"18\" height=\"18\" rx=\"2\" ry=\"2\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">D\u00e9terminez vos priorit\u00e9s : <strong>fid\u00e9lisation, recrutement, flexibilit\u00e9, <\/strong>ou un m\u00e9lange des trois.<\/span><\/li>\n<\/ul><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column14711_2e64ad-b3 > .kt-inside-inner-col{border-top:3px double var(--global-palette2, #2B6CB0);border-right:3px double var(--global-palette2, #2B6CB0);border-bottom:3px double var(--global-palette2, #2B6CB0);border-left:3px double var(--global-palette2, #2B6CB0);}.kadence-column14711_2e64ad-b3 > .kt-inside-inner-col,.kadence-column14711_2e64ad-b3 > .kt-inside-inner-col:before{border-top-left-radius:50px;border-top-right-radius:50px;border-bottom-right-radius:50px;border-bottom-left-radius:50px;}.kadence-column14711_2e64ad-b3 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14711_2e64ad-b3 > .kt-inside-inner-col{flex-direction:column;}.kadence-column14711_2e64ad-b3 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14711_2e64ad-b3 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14711_2e64ad-b3{position:relative;}@media all and (max-width: 1024px){.kadence-column14711_2e64ad-b3 > .kt-inside-inner-col{border-top:3px double var(--global-palette2, #2B6CB0);border-right:3px double var(--global-palette2, #2B6CB0);border-bottom:3px double var(--global-palette2, #2B6CB0);border-left:3px double var(--global-palette2, #2B6CB0);flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column14711_2e64ad-b3 > .kt-inside-inner-col{border-top:3px double var(--global-palette2, #2B6CB0);border-right:3px double var(--global-palette2, #2B6CB0);border-bottom:3px double var(--global-palette2, #2B6CB0);border-left:3px double var(--global-palette2, #2B6CB0);flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14711_2e64ad-b3\"><div class=\"kt-inside-inner-col\">\n<h5 class=\"wp-block-heading has-text-align-center has-medium-font-size\" id=\"step-1-assess-your-workforce-and-business-goals-1\" style=\"padding-top:var(--wp--preset--spacing--40);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--40);padding-left:var(--wp--preset--spacing--30)\">\u00c9tape 2 : \u00c9valuer la capacit\u00e9 financi\u00e8re et administrative<\/h5>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items14711_2682d3-26:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14711_2682d3-26 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-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-xxs, 0.5rem);padding-left:var(--global-kb-spacing-xs, 1rem);}.wp-block-kadence-iconlist.kt-svg-icon-list-items14711_2682d3-26 ul.kt-svg-icon-list{grid-row-gap:14px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14711_2682d3-26 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items14711_2682d3-26 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-items14711_2682d3-26 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-14711_cb152f-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-14711_cb152f-59\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_square 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\"><rect x=\"3\" y=\"3\" width=\"18\" height=\"18\" rx=\"2\" ry=\"2\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Les r\u00e9gimes PD assurent un revenu de retraite pr\u00e9visible, mais exigent des cotisations \u00e9lev\u00e9es, une <strong>surveillance actuarielle et une gestion plus lourde.<\/strong><\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14711_b41d5b-1f .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-14711_b41d5b-1f\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_square 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\"><rect x=\"3\" y=\"3\" width=\"18\" height=\"18\" rx=\"2\" ry=\"2\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Les r\u00e9gimes CD et RRS, eux,<strong> se g\u00e8rent plus facilement<\/strong> : cotisations fixes, conformit\u00e9 simplifi\u00e9e, co\u00fbts mieux ma\u00eetris\u00e9s \u2014 parfaits pour les entreprises plus petites ou \u00e0 budget restreint.<\/span><\/li>\n<\/ul><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column14711_3420f3-96 > .kt-inside-inner-col{padding-bottom:var(--global-kb-spacing-xxs, 0.5rem);}.kadence-column14711_3420f3-96 > .kt-inside-inner-col{border-top:3px double var(--global-palette2, #2B6CB0);border-right:3px double var(--global-palette2, #2B6CB0);border-bottom:3px double var(--global-palette2, #2B6CB0);border-left:3px double var(--global-palette2, #2B6CB0);}.kadence-column14711_3420f3-96 > .kt-inside-inner-col,.kadence-column14711_3420f3-96 > .kt-inside-inner-col:before{border-top-left-radius:50px;border-top-right-radius:50px;border-bottom-right-radius:50px;border-bottom-left-radius:50px;}.kadence-column14711_3420f3-96 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14711_3420f3-96 > .kt-inside-inner-col{flex-direction:column;}.kadence-column14711_3420f3-96 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14711_3420f3-96 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14711_3420f3-96{position:relative;}@media all and (max-width: 1024px){.kadence-column14711_3420f3-96 > .kt-inside-inner-col{border-top:3px double var(--global-palette2, #2B6CB0);border-right:3px double var(--global-palette2, #2B6CB0);border-bottom:3px double var(--global-palette2, #2B6CB0);border-left:3px double var(--global-palette2, #2B6CB0);flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column14711_3420f3-96 > .kt-inside-inner-col{border-top:3px double var(--global-palette2, #2B6CB0);border-right:3px double var(--global-palette2, #2B6CB0);border-bottom:3px double var(--global-palette2, #2B6CB0);border-left:3px double var(--global-palette2, #2B6CB0);flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14711_3420f3-96\"><div class=\"kt-inside-inner-col\">\n<h5 class=\"wp-block-heading has-text-align-center has-medium-font-size\" id=\"step-1-assess-your-workforce-and-business-goals-1\" style=\"padding-top:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--40)\">\u00c9tape 3 : Tenir compte du cadre r\u00e9glementaire<\/h5>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items14711_940d85-74:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14711_940d85-74 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-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-xxs, 0.5rem);padding-left:var(--global-kb-spacing-xs, 1rem);}.wp-block-kadence-iconlist.kt-svg-icon-list-items14711_940d85-74 ul.kt-svg-icon-list{grid-row-gap:14px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14711_940d85-74 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items14711_940d85-74 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-items14711_940d85-74 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-14711_0ede1a-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-14711_0ede1a-db\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_square 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\"><rect x=\"3\" y=\"3\" width=\"18\" height=\"18\" rx=\"2\" ry=\"2\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Assurez-vous que votre r\u00e9gime respecte les r\u00e8gles de l\u2019<strong>ARC et les lois provinciales <\/strong>sur les r\u00e9gimes de retraite, incluant les obligations d\u2019inscription et de d\u00e9claration.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14711_18c654-81 .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-14711_18c654-81\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_square 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\"><rect x=\"3\" y=\"3\" width=\"18\" height=\"18\" rx=\"2\" ry=\"2\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Au Qu\u00e9bec, le <strong>R\u00e9gime de rentes du Qu\u00e9bec (RRQ) constitue la base obligatoire<\/strong>. Les r\u00e9gimes offerts par l\u2019employeur doivent donc <strong>compl\u00e9ter le RRQ<\/strong>, non le dupliquer. <\/span><\/li>\n<\/ul><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column14711_956fad-cb > .kt-inside-inner-col{padding-bottom:var(--global-kb-spacing-xxs, 0.5rem);}.kadence-column14711_956fad-cb > .kt-inside-inner-col{border-top:3px double var(--global-palette2, #2B6CB0);border-right:3px double var(--global-palette2, #2B6CB0);border-bottom:3px double var(--global-palette2, #2B6CB0);border-left:3px double var(--global-palette2, #2B6CB0);}.kadence-column14711_956fad-cb > .kt-inside-inner-col,.kadence-column14711_956fad-cb > .kt-inside-inner-col:before{border-top-left-radius:50px;border-top-right-radius:50px;border-bottom-right-radius:50px;border-bottom-left-radius:50px;}.kadence-column14711_956fad-cb > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14711_956fad-cb > .kt-inside-inner-col{flex-direction:column;}.kadence-column14711_956fad-cb > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14711_956fad-cb > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14711_956fad-cb{position:relative;}@media all and (max-width: 1024px){.kadence-column14711_956fad-cb > .kt-inside-inner-col{border-top:3px double var(--global-palette2, #2B6CB0);border-right:3px double var(--global-palette2, #2B6CB0);border-bottom:3px double var(--global-palette2, #2B6CB0);border-left:3px double var(--global-palette2, #2B6CB0);flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column14711_956fad-cb > .kt-inside-inner-col{border-top:3px double var(--global-palette2, #2B6CB0);border-right:3px double var(--global-palette2, #2B6CB0);border-bottom:3px double var(--global-palette2, #2B6CB0);border-left:3px double var(--global-palette2, #2B6CB0);flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14711_956fad-cb\"><div class=\"kt-inside-inner-col\">\n<h5 class=\"wp-block-heading has-text-align-center has-medium-font-size\" id=\"step-1-assess-your-workforce-and-business-goals-1\" style=\"padding-top:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--50)\">\u00c9tape 4 : Lier le r\u00e9gime \u00e0 la culture d\u2019entreprise<\/h5>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items14711_b58d8a-66:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14711_b58d8a-66 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-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-xxs, 0.5rem);padding-left:var(--global-kb-spacing-xs, 1rem);}.wp-block-kadence-iconlist.kt-svg-icon-list-items14711_b58d8a-66 ul.kt-svg-icon-list{grid-row-gap:23px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14711_b58d8a-66 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items14711_b58d8a-66 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-items14711_b58d8a-66 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-14711_7a373f-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-14711_7a373f-f4\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_square 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\"><rect x=\"3\" y=\"3\" width=\"18\" height=\"18\" rx=\"2\" ry=\"2\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">D\u00e9cidez du r\u00f4le que doit jouer votre r\u00e9gime : <strong>fid\u00e9liser les employ\u00e9s<\/strong>, <strong>offrir de la flexibilit\u00e9<\/strong> ou<strong> soutenir un effectif vari\u00e9.<\/strong><\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14711_b025ab-d8 .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-14711_b025ab-d8\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_square 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\"><rect x=\"3\" y=\"3\" width=\"18\" height=\"18\" rx=\"2\" ry=\"2\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Communiquez clairement les r\u00e8gles d\u2019admissibilit\u00e9, les niveaux de cotisation et la fa\u00e7on dont le r\u00e9gime s\u2019articule avec le RRQ.<\/span><\/li>\n<\/ul><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id14711_6dc6ab-6a{margin-top:var(--global-kb-spacing-sm, 1.5rem);margin-bottom:var(--global-kb-spacing-sm, 1.5rem);}.kb-row-layout-id14711_6dc6ab-6a > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id14711_6dc6ab-6a > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id14711_6dc6ab-6a > .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(60% - ((var(--global-kb-gap-none, 0rem ) * 1 )\/2)))minmax(0, calc(40% - ((var(--global-kb-gap-none, 0rem ) * 1 )\/2)));}.kb-row-layout-id14711_6dc6ab-6a{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-id14711_6dc6ab-6a > .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-id14711_6dc6ab-6a > .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-id14711_6dc6ab-6a > .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-id14711_6dc6ab-6a > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id14711_6dc6ab-6a 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-column14711_e01e73-83 > .kt-inside-inner-col,.kadence-column14711_e01e73-83 > .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-column14711_e01e73-83 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14711_e01e73-83 > .kt-inside-inner-col{flex-direction:column;}.kadence-column14711_e01e73-83 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14711_e01e73-83 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14711_e01e73-83{position:relative;}@media all and (max-width: 1024px){.kadence-column14711_e01e73-83 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column14711_e01e73-83 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14711_e01e73-83\"><div class=\"kt-inside-inner-col\"><style>.kadence-column14711_7d9be0-0a > .kt-inside-inner-col{display:flex;}#wrapper.site{overflow:clip;}.kadence-column14711_7d9be0-0a{--kb-section-setting-offset:90px;}.kadence-column14711_7d9be0-0a > .kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kadence-column14711_7d9be0-0a > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14711_7d9be0-0a > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column14711_7d9be0-0a > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column14711_7d9be0-0a{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14711_7d9be0-0a{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14711_7d9be0-0a > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column14711_7d9be0-0a > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14711_7d9be0-0a{text-align:left;}.kadence-column14711_7d9be0-0a{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column14711_7d9be0-0a{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-column14711_7d9be0-0a{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14711_7d9be0-0a > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 1024px){.kadence-column14711_7d9be0-0a > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column14711_7d9be0-0a{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14711_7d9be0-0a{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14711_7d9be0-0a > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column14711_7d9be0-0a > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14711_7d9be0-0a 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-heading14711_8fe332-a0, .wp-block-kadence-advancedheading.kt-adv-heading14711_8fe332-a0[data-kb-block=\"kb-adv-heading14711_8fe332-a0\"]{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-heading14711_8fe332-a0 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading14711_8fe332-a0[data-kb-block=\"kb-adv-heading14711_8fe332-a0\"] 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-heading14711_8fe332-a0 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading14711_8fe332-a0[data-kb-block=\"kb-adv-heading14711_8fe332-a0\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading14711_8fe332-a0, .wp-block-kadence-advancedheading.kt-adv-heading14711_8fe332-a0[data-kb-block=\"kb-adv-heading14711_8fe332-a0\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading14711_8fe332-a0, .wp-block-kadence-advancedheading.kt-adv-heading14711_8fe332-a0[data-kb-block=\"kb-adv-heading14711_8fe332-a0\"]{text-align:center!important;}}<\/style>\n<h4 class=\"kt-adv-heading14711_8fe332-a0 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading14711_8fe332-a0\">Vos employ\u00e9s profitent-ils pleinement de leur r\u00e9gime ?<\/h4>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading14711_31245d-42, .wp-block-kadence-advancedheading.kt-adv-heading14711_31245d-42[data-kb-block=\"kb-adv-heading14711_31245d-42\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading14711_31245d-42 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading14711_31245d-42[data-kb-block=\"kb-adv-heading14711_31245d-42\"] 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-heading14711_31245d-42 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading14711_31245d-42[data-kb-block=\"kb-adv-heading14711_31245d-42\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading14711_31245d-42, .wp-block-kadence-advancedheading.kt-adv-heading14711_31245d-42[data-kb-block=\"kb-adv-heading14711_31245d-42\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading14711_31245d-42, .wp-block-kadence-advancedheading.kt-adv-heading14711_31245d-42[data-kb-block=\"kb-adv-heading14711_31245d-42\"]{text-align:center!important;}}<\/style>\n<p class=\"kt-adv-heading14711_31245d-42 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading14711_31245d-42\">Nos experts peuvent vous aider \u00e0 am\u00e9liorer la communication, la formation et l\u2019engagement autour des r\u00e9gimes de retraite. Contactez-nous pour accro\u00eetre la participation et la satisfaction au sein de votre entreprise.<\/p>\n<\/div><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column14711_c4c9d2-ee > .kt-inside-inner-col{display:flex;}.kadence-column14711_c4c9d2-ee > .kt-inside-inner-col,.kadence-column14711_c4c9d2-ee > .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-column14711_c4c9d2-ee > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14711_c4c9d2-ee > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column14711_c4c9d2-ee > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column14711_c4c9d2-ee{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14711_c4c9d2-ee{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14711_c4c9d2-ee > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column14711_c4c9d2-ee > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14711_c4c9d2-ee{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column14711_c4c9d2-ee{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14711_c4c9d2-ee{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14711_c4c9d2-ee > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column14711_c4c9d2-ee > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column14711_c4c9d2-ee{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14711_c4c9d2-ee{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14711_c4c9d2-ee > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column14711_c4c9d2-ee > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14711_c4c9d2-ee\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading14711_ed1264-66, .wp-block-kadence-advancedheading.kt-adv-heading14711_ed1264-66[data-kb-block=\"kb-adv-heading14711_ed1264-66\"]{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-heading14711_ed1264-66[data-kb-block=\"kb-adv-heading14711_ed1264-66\"]{display:flex;gap:0.25em;justify-content:center;align-items:center;}.wp-block-kadence-advancedheading.kt-adv-heading14711_ed1264-66[data-kb-block=\"kb-adv-heading14711_ed1264-66\"] .kb-adv-heading-icon svg{width:1em;height:1em;}.wp-block-kadence-advancedheading.kt-adv-heading14711_ed1264-66[data-kb-block=\"kb-adv-heading14711_ed1264-66\"] .kb-adv-heading-icon{color:var(--global-palette1, #3182CE);}.wp-block-kadence-advancedheading.kt-adv-heading14711_ed1264-66 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading14711_ed1264-66[data-kb-block=\"kb-adv-heading14711_ed1264-66\"] 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-heading14711_ed1264-66 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading14711_ed1264-66[data-kb-block=\"kb-adv-heading14711_ed1264-66\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading14711_ed1264-66, .wp-block-kadence-advancedheading.kt-adv-heading14711_ed1264-66[data-kb-block=\"kb-adv-heading14711_ed1264-66\"]{text-align:center!important;}}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading14711_ed1264-66[data-kb-block=\"kb-adv-heading14711_ed1264-66\"]{justify-content:center;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading14711_ed1264-66, .wp-block-kadence-advancedheading.kt-adv-heading14711_ed1264-66[data-kb-block=\"kb-adv-heading14711_ed1264-66\"]{padding-bottom:0px;text-align:center!important;}.wp-block-kadence-advancedheading.kt-adv-heading14711_ed1264-66[data-kb-block=\"kb-adv-heading14711_ed1264-66\"]{justify-content:center;}}<\/style><p class=\"kt-adv-heading14711_ed1264-66 wp-block-kadence-advancedheading kt-adv-heading-has-icon\" data-kb-block=\"kb-adv-heading14711_ed1264-66\"><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-btns14711_c217ba-bf{gap:var(--global-kb-gap-xs, 0.5rem );justify-content:center;align-items:center;}.kt-btns14711_c217ba-bf .kt-button{font-weight:normal;font-style:normal;}.kt-btns14711_c217ba-bf .kt-btn-wrap-0{margin-right:5px;}.wp-block-kadence-advancedbtn.kt-btns14711_c217ba-bf .kt-btn-wrap-0 .kt-button{color:#555555;border-color:#555555;}.wp-block-kadence-advancedbtn.kt-btns14711_c217ba-bf .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns14711_c217ba-bf .kt-btn-wrap-0 .kt-button:focus{color:#ffffff;border-color:#444444;}.wp-block-kadence-advancedbtn.kt-btns14711_c217ba-bf .kt-btn-wrap-0 .kt-button::before{display:none;}.wp-block-kadence-advancedbtn.kt-btns14711_c217ba-bf .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns14711_c217ba-bf .kt-btn-wrap-0 .kt-button:focus{background:#444444;}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn.kb-btns14711_c217ba-bf{justify-content:center;}}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn.kb-btns14711_c217ba-bf{justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-advancedbtn kb-buttons-wrap kb-btns14711_c217ba-bf\"><style>ul.menu .wp-block-kadence-advancedbtn .kb-btn14711_559778-2d.kb-button{width:initial;}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn .kb-btn14711_559778-2d.kb-button{font-size:var(--global-kb-font-size-sm, 0.9rem);}}<\/style><a class=\"kb-button kt-button button kb-btn14711_559778-2d 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<h2 class=\"wp-block-heading\" id=\"integration-with-other-benefits\">Int\u00e9gration avec les autres avantages sociaux<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Un r\u00e9gime de retraite des employ\u00e9s est un pilier essentiel d\u2019un programme d\u2019avantages sociaux, mais il ne fonctionne pas en vase clos. Pour maximiser sa valeur, il doit s\u2019inscrire dans une approche globale qui soutient le bien-\u00eatre financier et refl\u00e8te la culture de l\u2019entreprise. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"connecting-pension-plans-to-other-retirement-savings-vehicles\">Relier le r\u00e9gime de retraite aux autres v\u00e9hicules d\u2019\u00e9pargne<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Les employeurs ne se limitent presque jamais \u00e0 un seul r\u00e9gime. Les strat\u00e9gies les plus efficaces associent le r\u00e9gime de retraite \u00e0 d\u2019autres outils d\u2019\u00e9pargne pour b\u00e2tir une fondation financi\u00e8re solide et adaptable. Voici quelques combinaisons fr\u00e9quentes :  <\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items14711_cd0d50-48:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14711_cd0d50-48 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;column-gap:63px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14711_cd0d50-48 ul.kt-svg-icon-list{grid-row-gap:23px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14711_cd0d50-48 .kb-svg-icon-wrap{color:var(--global-palette2, #2B6CB0);}.wp-block-kadence-iconlist.kt-svg-icon-list-items14711_cd0d50-48 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items14711_cd0d50-48 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}@media all and (min-width: 1025px){.wp-block-kadence-iconlist.kt-svg-icon-list-items14711_cd0d50-48:not(.kt-svg-icon-list-columns-1) ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap:not(:last-child){margin:0px;}}@media all and (min-width: 768px) and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-items14711_cd0d50-48:not(.kt-tablet-svg-icon-list-columns-1) ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap:not(:last-child){margin:0px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-items14711_cd0d50-48:not(.kt-mobile-svg-icon-list-columns-1) ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap:not(:last-child){margin:0px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items14711_cd0d50-48 kt-svg-icon-list-columns-2 alignnone kt-list-icon-aligntop\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-14711_148e31-7d .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-14711_148e31-7d\"><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><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-theme-palette-2-color\">Sc\u00e9nario 1 : R\u00e9gime de retraite + REER collectif<\/mark><br><\/strong>Une entreprise offre un r\u00e9gime \u00e0 cotisations d\u00e9termin\u00e9es avec contribution de l\u2019employeur, et permet aussi aux employ\u00e9s de verser des cotisations additionnelles dans un REER collectif. R\u00e9sultat : \u00e9pargne accrue et frais de placement r\u00e9duits. <\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14711_c791a8-0f .kt-svg-icon-list-single{color:var(--global-palette1, #3182CE) !important;}.kt-svg-icon-list-item-14711_c791a8-0f .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-14711_c791a8-0f\"><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><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-theme-palette-2-color\">Sc\u00e9nario 2 : R\u00e9gime de retraite + CELI<\/mark><br><\/strong>Pour soutenir \u00e0 la fois les objectifs \u00e0 court et \u00e0 long terme, certaines entreprises ajoutent un <a href=\"https:\/\/www.revenuquebec.ca\/fr\/entreprises\/retenues-et-cotisations\/situations-et-particularites-pouvant-modifier-le-calcul-des-retenues-et-des-cotisations\/avantages-imposables\/liste-des-avantages-imposables\/autres-avantages\/cotisation-versee-par-lemployeur-a-un-celi\/\" data-type=\"link\" data-id=\"https:\/\/www.revenuquebec.ca\/fr\/entreprises\/retenues-et-cotisations\/situations-et-particularites-pouvant-modifier-le-calcul-des-retenues-et-des-cotisations\/avantages-imposables\/liste-des-avantages-imposables\/autres-avantages\/cotisation-versee-par-lemployeur-a-un-celi\/\" target=\"_blank\" rel=\"noopener\">CELI<\/a> par d\u00e9duction salariale. Le r\u00e9gime assure le revenu de retraite, tandis que le CELI couvre les impr\u00e9vus, l\u2019achat d\u2019une maison ou les \u00e9tudes \u2014 r\u00e9duisant ainsi le stress financier imm\u00e9diat. <\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14711_8d1c36-17 .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-14711_8d1c36-17\"><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><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-theme-palette-2-color\">Sc\u00e9nario 3 : R\u00e9gime de retraite + RPDB (R\u00e9gime de participation diff\u00e9r\u00e9e aux b\u00e9n\u00e9fices)<\/mark><br><\/strong>Dans les secteurs o\u00f9 les profits fluctuent, combiner un r\u00e9gime de base avec un RPDB permet de partager les b\u00e9n\u00e9fices des bonnes ann\u00e9es sans s\u2019engager \u00e0 long terme sur des cotisations fixes. <\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14711_bf6205-b0 .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-14711_bf6205-b0\"><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><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-theme-palette-2-color\">Sc\u00e9nario 4 : R\u00e9gime de retraite + RRS<\/mark><br><\/strong>Les petites entreprises qu\u00e9b\u00e9coises utilisent souvent le RRS comme alternative de base, puis le compl\u00e8tent avec un REER collectif. Cette formule all\u00e8ge la gestion tout en offrant plus de flexibilit\u00e9 aux employ\u00e9s. <\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14711_18ca81-1a .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-14711_18ca81-1a\"><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><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-theme-palette-1-color\">Sc\u00e9nario 5 : Approche int\u00e9gr\u00e9e pour effectif diversifi\u00e9<\/mark><\/strong><br>Certaines organisations proposent un r\u00e9gime CD comme fondation, puis ajoutent des options facultatives (REER, CELI, RPDB) via la paie.<br>Chaque employ\u00e9 peut ainsi choisir la combinaison qui correspond le mieux \u00e0 ses objectifs \u2014 retraite acc\u00e9l\u00e9r\u00e9e ou \u00e9pargne plus liquide.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">Certaines organisations vont encore plus loin, en reliant leurs r\u00e9gimes de retraite \u00e0 des<span style=\"text-decoration: underline;\"> programmes de mentorat et de coaching<\/span>, \u00e0 des politiques de remboursement des frais de scolarit\u00e9 ou \u00e0 des bonis de performance vers\u00e9s dans des v\u00e9hicules d\u2019\u00e9pargne.<br>Cette approche d\u00e9montre aux employ\u00e9s que l\u2019entreprise soutient non seulement leur s\u00e9curit\u00e9 financi\u00e8re, mais aussi leur d\u00e9veloppement professionnel et personnel. R\u00e9sultat : un programme d\u2019avantages plus complet, coh\u00e9rent et motivant.<\/p>\n<\/blockquote>\n\n\n<style>.kb-image14711_4feaf5-11 .kb-image-has-overlay:after{opacity:0.3;}<\/style>\n<figure class=\"wp-block-kadence-image kb-image14711_4feaf5-11 size-full\"><img decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/09\/choosing-right-strategy.webp\" alt=\"\" class=\"kb-img wp-image-14576\" srcset=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/09\/choosing-right-strategy.webp 1000w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/09\/choosing-right-strategy-300x200.webp 300w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/09\/choosing-right-strategy-768x512.webp 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"balancing-employer-costs-with-employee-value\">Trouver l\u2019\u00e9quilibre entre co\u00fbts et valeur pour les employ\u00e9s<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Les budgets ne sont pas infinis. Les employeurs doivent donc \u00e9quilibrer les r\u00e9gimes de retraite et les autres avantages de mani\u00e8re durable. Les strat\u00e9gies les plus efficaces ne consistent pas \u00e0 accumuler les avantages, mais \u00e0 aligner les offres sur ce que les employ\u00e9s appr\u00e9cient r\u00e9ellement, afin d\u2019\u00e9viter les d\u00e9penses inutiles et d\u2019optimiser la satisfaction.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li style=\"margin-bottom:var(--wp--preset--spacing--40)\"><strong>Sonder vos employ\u00e9s<\/strong>: Identifiez ce qu\u2019ils valorisent le plus. Par exemple, les jeunes travailleurs privil\u00e9gient souvent la souplesse des REER ou le soutien \u00e0 la formation, alors que les employ\u00e9s plus exp\u00e9riment\u00e9s accordent davantage d\u2019importance au r\u00e9gime de retraite.<\/li>\n\n\n\n<li><strong>Prioriser les avantages \u00e0 fort impact<\/strong>: Orientez les ressources vers les r\u00e9gimes de retraite, l\u2019\u00e9pargne collective et le mentorat, qui favorisent la fid\u00e9lisation.<\/li>\n\n\n\n<li><strong>\u00c9valuer le rapport co\u00fbt-valeur<\/strong>: Utilisez des projections financi\u00e8res pour \u00e9quilibrer les d\u00e9penses de l\u2019employeur et les gains pour les employ\u00e9s.<\/li>\n\n\n\n<li><strong>Offrir des niveaux progressifs<\/strong>: Commencez avec un r\u00e9gime de base, puis bonifiez les avantages pour les employ\u00e9s les plus anciens.<\/li>\n<\/ol>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>En r\u00e9sum\u00e9 :<\/strong> \u00e9couter vos employ\u00e9s et aligner les co\u00fbts sur la valeur per\u00e7ue assure la comp\u00e9titivit\u00e9 de vos avantages sans d\u00e9passer le budget.<\/p>\n<\/blockquote>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"partnering-with-experts-to-build-smarter-pension-strategies\">Collaborer avec des experts pour b\u00e2tir une strat\u00e9gie de retraite plus solide<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">M\u00eame avec les meilleures intentions, la gestion d\u2019un r\u00e9gime de retraite des employ\u00e9s peut rapidement devenir complexe. Entre les exigences r\u00e9glementaires, les structures de cotisation et les r\u00e8gles propres au Qu\u00e9bec, l\u2019exercice demande du temps et une expertise pointue.<br>C\u2019est pourquoi <a href=\"https:\/\/twinn.ca\/fr\/services\/regime-retraite-collectif\/\" data-type=\"link\" data-id=\"https:\/\/twinn.ca\/services\/group-retirement-plan-pension\/\">faire appel \u00e0 un conseiller en garanties collectives<\/a> peut transformer la d\u00e9marche.<\/p>\n\n\n\n<h4 class=\"wp-block-heading has-medium-font-size\" id=\"here-s-how-a-benefits-advisor-can-help\">Voici comment un expert peut vous aider :<\/h4>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items14711_771ce6-ad:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14711_771ce6-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;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14711_771ce6-ad ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14711_771ce6-ad ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items14711_771ce6-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-items14711_771ce6-ad kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-14711_bf3a0c-04 .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-14711_bf3a0c-04 kt-svg-icon-list-level-1\"><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>Conception du r\u00e9gime : <\/strong>d\u00e9terminer si un REER collectif, un r\u00e9gime de retraite, un RPDB ou une approche hybride convient le mieux.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14711_db52bb-1f .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-14711_db52bb-1f kt-svg-icon-list-level-1\"><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>Strat\u00e9gie de cotisation :<\/strong> \u00e9valuer les mod\u00e8les fixes, avec contribution \u00e9quivalente ou \u00e0 paliers pour \u00e9quilibrer co\u00fbts et fid\u00e9lisation.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14711_397ee0-d6 .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-14711_397ee0-d6 kt-svg-icon-list-level-1\"><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>R\u00e8gles d\u2019acquisition :<\/strong> \u00e9tablir des d\u00e9lais qui encouragent la loyaut\u00e9 sans cr\u00e9er d\u2019obligations excessives.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14711_34c2f8-5b .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-14711_34c2f8-5b kt-svg-icon-list-level-1\"><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>Suivi continu :<\/strong> adapter le r\u00e9gime \u00e0 l\u2019\u00e9volution de la main-d\u2019\u0153uvre et de la situation financi\u00e8re de l\u2019entreprise.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14711_052fa3-ab .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-14711_052fa3-ab kt-svg-icon-list-level-1\"><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>Formation des employ\u00e9s :<\/strong> aider les \u00e9quipes \u00e0 comprendre et maximiser la valeur de leurs avantages de retraite.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Au Qu\u00e9bec, o\u00f9 les r\u00e8gles peuvent \u00eatre particuli\u00e8rement complexes, l\u2019accompagnement d\u2019un expert permet d\u2019\u00e9viter les erreurs co\u00fbteuses et d\u2019assurer la conformit\u00e9 du r\u00e9gime. Le r\u00e9sultat est un programme de retraite durable qui renforce la culture d\u2019entreprise et la confiance des employ\u00e9s.<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading14711_a261b1-2b, .wp-block-kadence-advancedheading.kt-adv-heading14711_a261b1-2b[data-kb-block=\"kb-adv-heading14711_a261b1-2b\"]{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-heading14711_a261b1-2b mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading14711_a261b1-2b[data-kb-block=\"kb-adv-heading14711_a261b1-2b\"] 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-heading14711_a261b1-2b img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading14711_a261b1-2b[data-kb-block=\"kb-adv-heading14711_a261b1-2b\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading14711_a261b1-2b wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading14711_a261b1-2b\">Vous avez des questions? Nous avons les r\u00e9ponses. <\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">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-id14711_8ef960-fa > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id14711_8ef960-fa > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id14711_8ef960-fa > .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-id14711_8ef960-fa > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id14711_8ef960-fa > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id14711_8ef960-fa > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id14711_8ef960-fa 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-column14711_1797da-68 > .kt-inside-inner-col,.kadence-column14711_1797da-68 > .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-column14711_1797da-68 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14711_1797da-68 > .kt-inside-inner-col{flex-direction:column;}.kadence-column14711_1797da-68 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14711_1797da-68 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14711_1797da-68{position:relative;}@media all and (max-width: 1024px){.kadence-column14711_1797da-68 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column14711_1797da-68 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14711_1797da-68 inner-column-1\"><div class=\"kt-inside-inner-col\">\n<div class=\"wp-block-wpsp-faq wpsp-faq__outer-wrap wpsp-block-0aae9b25 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\/regime-retraite-employes\/\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Qu\u2019est-ce qu\u2019un r\u00e9gime de retraite au Canada?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Un r\u00e9gime de retraite est un programme offert par l\u2019employeur pour aider les employ\u00e9s \u00e0 \u00e9pargner en vue de la retraite. L\u2019employeur et l\u2019employ\u00e9 y versent des cotisations r\u00e9guli\u00e8res, investies pour fournir un revenu \u00e0 la retraite. Contrairement \u00e0 l\u2019\u00e9pargne individuelle, le r\u00e9gime de retraite est &lt;strong>encadr\u00e9 et r\u00e9glement\u00e9&lt;\/strong>, garantissant une plus grande stabilit\u00e9.\"}},{\"@type\":\"Question\",\"name\":\"Les employeurs sont-ils tenus d\u2019offrir un r\u00e9gime de retraite au Qu\u00e9bec?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui. Depuis 2014, les employeurs qu\u00e9b\u00e9cois comptant &lt;strong>cinq employ\u00e9s ou plus&lt;\/strong> doivent offrir un &lt;strong>R\u00e9gime volontaire d\u2019\u00e9pargne-retraite (RVER)&lt;\/strong> ou un autre r\u00e9gime admissible. Cela garantit que tous les travailleurs ont acc\u00e8s \u00e0 un outil d\u2019\u00e9pargne-retraite, m\u00eame dans les petites entreprises.\"}},{\"@type\":\"Question\",\"name\":\"Quelle est la diff\u00e9rence entre un r\u00e9gime de retraite et un REER collectif?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Le &lt;strong>r\u00e9gime de retraite&lt;\/strong> est un plan structur\u00e9 et r\u00e9glement\u00e9 pouvant offrir un revenu d\u00e9fini, tandis que le &lt;strong>REER collectif&lt;\/strong> est un programme d\u2019\u00e9pargne o\u00f9 les rendements d\u00e9pendent des placements. Les r\u00e9gimes de retraite offrent plus de stabilit\u00e9; les REER collectifs, plus de flexibilit\u00e9.\"}},{\"@type\":\"Question\",\"name\":\"Comment les r\u00e9gimes de retraite versent-ils les prestations?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Les r\u00e9gimes versent g\u00e9n\u00e9ralement un revenu mensuel \u00e0 la retraite.&lt;br>Les r\u00e9gimes \u00e0 &lt;strong>prestations d\u00e9termin\u00e9es&lt;\/strong> garantissent un montant fixe, tandis que les r\u00e9gimes \u00e0 &lt;strong>cotisations d\u00e9termin\u00e9es&lt;\/strong> ou &lt;strong>REER collectifs&lt;\/strong> d\u00e9pendent du capital accumul\u00e9 et du rendement des placements. Certains offrent aussi le choix entre &lt;strong>rente mensuelle&lt;\/strong> ou &lt;strong>transfert forfaitaire&lt;\/strong>.\"}},{\"@type\":\"Question\",\"name\":\"Qu\u2019est-ce qu\u2019un bon r\u00e9gime de retraite au Canada?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Un bon r\u00e9gime \u00e9quilibre la &lt;strong>pr\u00e9visibilit\u00e9 du revenu de retraite&lt;\/strong> pour les employ\u00e9s et la &lt;strong>viabilit\u00e9 financi\u00e8re&lt;\/strong> pour l\u2019employeur. Les meilleurs incluent une contribution de l\u2019employeur, des options de placement souples et des r\u00e8gles d\u2019acquisition claires favorisant la r\u00e9tention.\"}},{\"@type\":\"Question\",\"name\":\"Comment fonctionnent les r\u00e8gles d\u2019acquisition?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Les r\u00e8gles d\u2019acquisition d\u00e9terminent le moment o\u00f9 un employ\u00e9 devient pleinement propri\u00e9taire des cotisations de l\u2019employeur. Par exemple, il peut devoir rester &lt;strong>deux ans&lt;\/strong> avant d\u2019acqu\u00e9rir 100 % des sommes. Cela encourage la fid\u00e9lit\u00e9 et prot\u00e8ge l\u2019entreprise contre le roulement rapide.\"}},{\"@type\":\"Question\",\"name\":\"Les petites entreprises peuvent-elles se permettre un r\u00e9gime de retraite?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui. Les &lt;strong>r\u00e9gimes de retraite simplifi\u00e9s (RRS)&lt;\/strong> ou les &lt;strong>REER collectifs&lt;\/strong> offrent des structures de cotisation abordables et une administration all\u00e9g\u00e9e, permettant aux PME d\u2019offrir des avantages comp\u00e9titifs.\"}},{\"@type\":\"Question\",\"name\":\"Quels sont les avantages fiscaux des r\u00e9gimes de retraite?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Les &lt;strong>cotisations patronales&lt;\/strong> sont g\u00e9n\u00e9ralement d\u00e9ductibles d\u2019imp\u00f4t, ce qui r\u00e9duit la charge fiscale de l\u2019entreprise. Les employ\u00e9s, eux, profitent d\u2019un revenu imposable r\u00e9duit et d\u2019une croissance \u00e0 imposition diff\u00e9r\u00e9e sur leurs placements.\"}}]}<\/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-be99c6e1\"><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\">Qu\u2019est-ce qu\u2019un r\u00e9gime de retraite au Canada?<\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Un r\u00e9gime de retraite est un programme offert par l\u2019employeur pour aider les employ\u00e9s \u00e0 \u00e9pargner en vue de la retraite. L\u2019employeur et l\u2019employ\u00e9 y versent des cotisations r\u00e9guli\u00e8res, investies pour fournir un revenu \u00e0 la retraite. Contrairement \u00e0 l\u2019\u00e9pargne individuelle, le r\u00e9gime de retraite est <strong>encadr\u00e9 et r\u00e9glement\u00e9<\/strong>, garantissant une plus grande stabilit\u00e9.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-68b73256\"><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\">Les employeurs sont-ils tenus d\u2019offrir un r\u00e9gime de retraite au Qu\u00e9bec?<\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Oui. Depuis 2014, les employeurs qu\u00e9b\u00e9cois comptant <strong>cinq employ\u00e9s ou plus<\/strong> doivent offrir un <strong>R\u00e9gime volontaire d\u2019\u00e9pargne-retraite (RVER)<\/strong> ou un autre r\u00e9gime admissible. Cela garantit que tous les travailleurs ont acc\u00e8s \u00e0 un outil d\u2019\u00e9pargne-retraite, m\u00eame dans les petites entreprises.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-b0cfdde3\"><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\">Quelle est la diff\u00e9rence entre un r\u00e9gime de retraite et un REER collectif?<\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Le <strong>r\u00e9gime de retraite<\/strong> est un plan structur\u00e9 et r\u00e9glement\u00e9 pouvant offrir un revenu d\u00e9fini, tandis que le <strong>REER collectif<\/strong> est un programme d\u2019\u00e9pargne o\u00f9 les rendements d\u00e9pendent des placements. Les r\u00e9gimes de retraite offrent plus de stabilit\u00e9; les REER collectifs, plus de flexibilit\u00e9.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-bb924d89\"><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\">Comment les r\u00e9gimes de retraite versent-ils les prestations?<\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Les r\u00e9gimes versent g\u00e9n\u00e9ralement un revenu mensuel \u00e0 la retraite.<br>Les r\u00e9gimes \u00e0 <strong>prestations d\u00e9termin\u00e9es<\/strong> garantissent un montant fixe, tandis que les r\u00e9gimes \u00e0 <strong>cotisations d\u00e9termin\u00e9es<\/strong> ou <strong>REER collectifs<\/strong> d\u00e9pendent du capital accumul\u00e9 et du rendement des placements. Certains offrent aussi le choix entre <strong>rente mensuelle<\/strong> ou <strong>transfert forfaitaire<\/strong>.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-fb36b7ab\"><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\">Qu\u2019est-ce qu\u2019un bon r\u00e9gime de retraite au Canada?<\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Un bon r\u00e9gime \u00e9quilibre la <strong>pr\u00e9visibilit\u00e9 du revenu de retraite<\/strong> pour les employ\u00e9s et la <strong>viabilit\u00e9 financi\u00e8re<\/strong> pour l\u2019employeur. Les meilleurs incluent une contribution de l\u2019employeur, des options de placement souples et des r\u00e8gles d\u2019acquisition claires favorisant la r\u00e9tention.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-32c491b1\"><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\">Comment fonctionnent les r\u00e8gles d\u2019acquisition?<\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Les r\u00e8gles d\u2019acquisition d\u00e9terminent le moment o\u00f9 un employ\u00e9 devient pleinement propri\u00e9taire des cotisations de l\u2019employeur. Par exemple, il peut devoir rester <strong>deux ans<\/strong> avant d\u2019acqu\u00e9rir 100 % des sommes. Cela encourage la fid\u00e9lit\u00e9 et prot\u00e8ge l\u2019entreprise contre le roulement rapide.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-c964d134\"><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\">Les petites entreprises peuvent-elles se permettre un r\u00e9gime de retraite?<\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Oui. Les <strong>r\u00e9gimes de retraite simplifi\u00e9s (RRS)<\/strong> ou les <strong>REER collectifs<\/strong> offrent des structures de cotisation abordables et une administration all\u00e9g\u00e9e, permettant aux PME d\u2019offrir des avantages comp\u00e9titifs.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-9ac0847a\"><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\">Quels sont les avantages fiscaux des r\u00e9gimes de retraite?<\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Les <strong>cotisations patronales<\/strong> sont g\u00e9n\u00e9ralement d\u00e9ductibles d\u2019imp\u00f4t, ce qui r\u00e9duit la charge fiscale de l\u2019entreprise. Les employ\u00e9s, eux, profitent d\u2019un revenu imposable r\u00e9duit et d\u2019une croissance \u00e0 imposition diff\u00e9r\u00e9e sur leurs placements.<\/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\">Pour les employeurs, l\u2019enjeu est de trouver le juste \u00e9quilibre entre conformit\u00e9, accessibilit\u00e9 et impact r\u00e9el. Qu\u2019il s\u2019agisse d\u2019un r\u00e9gime \u00e0 prestations d\u00e9termin\u00e9es, \u00e0 cotisations d\u00e9termin\u00e9es ou d\u2019un REER collectif, l\u2019essentiel est d\u2019adapter le programme \u00e0 vos besoins et \u00e0 votre culture d\u2019entreprise. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mettre en place un r\u00e9gime de retraite des employ\u00e9s bien con\u00e7u influence la fa\u00e7on dont votre entreprise soutient ses \u00e9quipes, aujourd\u2019hui et \u00e0 long terme. Le bon r\u00e9gime renforce la fid\u00e9lisation, stimule le moral et d\u00e9montre votre engagement envers la r\u00e9ussite de vos employ\u00e9s. En alignant vos r\u00e9gimes sur vos objectifs et votre culture, vous contribuez \u00e0 la s\u00e9curit\u00e9 financi\u00e8re de vos employ\u00e9s tout en b\u00e2tissant une \u00e9quipe plus forte et plus engag\u00e9e.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Quand on pr\u00e9pare un programme d\u2019avantages sociaux, certains \u00e9l\u00e9ments s\u2019imposent d\u2019embl\u00e9e : l\u2019assurance sant\u00e9, les vacances et la flexibilit\u00e9 des&#8230;<\/p>\n","protected":false},"author":15,"featured_media":14569,"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":[95],"tags":[],"post_folder":[],"class_list":["post-14711","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-regimes-de-retraite"],"acf":[],"taxonomy_info":{"category":[{"value":95,"label":"R\u00e9gimes de retraite"}]},"featured_image_src_large":["https:\/\/twinn.ca\/wp-content\/uploads\/2025\/09\/wide-shot-of-employees-at-work-1024x575.webp",1024,575,true],"author_info":{"display_name":"Rafat Haque","author_link":"https:\/\/twinn.ca\/fr\/author\/rafat-haque\/"},"comment_info":0,"category_info":[{"term_id":95,"name":"R\u00e9gimes de retraite","slug":"regimes-de-retraite","term_group":0,"term_taxonomy_id":95,"taxonomy":"category","description":"","parent":0,"count":4,"filter":"raw","cat_ID":95,"category_count":4,"category_description":"","cat_name":"R\u00e9gimes de retraite","category_nicename":"regimes-de-retraite","category_parent":0}],"tag_info":false,"_links":{"self":[{"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/posts\/14711","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=14711"}],"version-history":[{"count":0,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/posts\/14711\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/media\/14569"}],"wp:attachment":[{"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/media?parent=14711"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/categories?post=14711"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/tags?post=14711"},{"taxonomy":"post_folder","embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/post_folder?post=14711"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}