{"id":14760,"date":"2025-09-16T15:57:58","date_gmt":"2025-09-16T20:57:58","guid":{"rendered":"https:\/\/twinn.ca\/?p=14760"},"modified":"2025-10-13T20:53:46","modified_gmt":"2025-10-14T01:53:46","slug":"regime-retraite-prestations-determinees","status":"publish","type":"post","link":"https:\/\/twinn.ca\/fr\/regime-retraite-prestations-determinees\/","title":{"rendered":"R\u00e9gime \u00e0 Prestations D\u00e9termin\u00e9es au Canada ( Co\u00fbts Inclus )"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Pour bien des employ\u00e9s, la retraite \u00e9voque une \u00e9tape pleine d\u2019incertitudes. Le r\u00e9gime de retraite \u00e0 prestations d\u00e9termin\u00e9es vient apaiser ces inqui\u00e9tudes en offrant un revenu mensuel garanti, calcul\u00e9 selon une formule pr\u00e9cise. Plut\u00f4t que de d\u00e9pendre des al\u00e9as des march\u00e9s, ce r\u00e9gime assure une stabilit\u00e9 pr\u00e9cieuse, autant pour l\u2019entreprise que pour son personnel.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C\u2019est une solution de choix pour les employeurs qui veulent bonifier leur offre d\u2019avantages sociaux tout en gardant une vision claire de leurs engagements futurs. Dans ce guide, on d\u00e9mystifie le fonctionnement du r\u00e9gime \u00e0 prestations d\u00e9termin\u00e9es, \u00e0 qui il convient le mieux et en quoi il se distingue des autres options d\u2019\u00e9pargne-retraite. <\/p>\n\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id14760_02d533-89{margin-bottom:var(--global-kb-spacing-sm, 1.5rem);}.kb-row-layout-id14760_02d533-89 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id14760_02d533-89 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id14760_02d533-89 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-lg, 3rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-lg, 3rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id14760_02d533-89{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-id14760_02d533-89 > .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-id14760_02d533-89{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-id14760_02d533-89{background-color:rgba(58,173,113,0.17);}.kb-row-layout-id14760_02d533-89 > .kt-row-layout-overlay{opacity:0.49;}@media all and (max-width: 1024px){.kb-row-layout-id14760_02d533-89 > .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-id14760_02d533-89{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-id14760_02d533-89 > .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-id14760_02d533-89{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-id14760_02d533-89 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-column14760_eba763-5a > .kt-inside-inner-col,.kadence-column14760_eba763-5a > .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-column14760_eba763-5a > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14760_eba763-5a > .kt-inside-inner-col{flex-direction:column;}.kadence-column14760_eba763-5a > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14760_eba763-5a > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14760_eba763-5a{position:relative;}@media all and (max-width: 1024px){.kadence-column14760_eba763-5a > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column14760_eba763-5a > .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-column14760_eba763-5a\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading14760_8baa4b-4d, .wp-block-kadence-advancedheading.kt-adv-heading14760_8baa4b-4d[data-kb-block=\"kb-adv-heading14760_8baa4b-4d\"]{text-align:left;font-style:normal;color:#020202;border-left:20px solid transparent;}.wp-block-kadence-advancedheading.kt-adv-heading14760_8baa4b-4d mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading14760_8baa4b-4d[data-kb-block=\"kb-adv-heading14760_8baa4b-4d\"] 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-heading14760_8baa4b-4d img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading14760_8baa4b-4d[data-kb-block=\"kb-adv-heading14760_8baa4b-4d\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading14760_8baa4b-4d, .wp-block-kadence-advancedheading.kt-adv-heading14760_8baa4b-4d[data-kb-block=\"kb-adv-heading14760_8baa4b-4d\"]{border-left:20px solid transparent;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading14760_8baa4b-4d, .wp-block-kadence-advancedheading.kt-adv-heading14760_8baa4b-4d[data-kb-block=\"kb-adv-heading14760_8baa4b-4d\"]{border-left:20px solid transparent;}}<\/style>\n<h3 class=\"kt-adv-heading14760_8baa4b-4d wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading14760_8baa4b-4d\">Points Cl\u00e9s<\/h3>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items14760_dc04cf-f6:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14760_dc04cf-f6 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-items14760_dc04cf-f6 ul.kt-svg-icon-list{grid-row-gap:20px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14760_dc04cf-f6 .kb-svg-icon-wrap{color:var(--global-palette2, #2B6CB0);}.kt-svg-icon-list-items14760_dc04cf-f6 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-items14760_dc04cf-f6 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-14760_30d7fe-6e .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-14760_30d7fe-6e\"><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\">Le<strong> r\u00e9gime de retraite \u00e0 prestations d\u00e9termin\u00e9es <\/strong>procure un revenu stable \u00e0 la retraite, un atout majeur pour la fid\u00e9lisation et la s\u00e9curit\u00e9 financi\u00e8re.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14760_4d51dd-26 .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-14760_4d51dd-26\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Les formules de calcul (moyenne finale, moyenne de carri\u00e8re, prestation fixe) d\u00e9finissent le montant des prestations.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14760_812b5c-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-14760_812b5c-58\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Les r\u00e9gimes de <strong>pension simplifi\u00e9s (RPS)<\/strong> rendent ce type de plan plus accessible aux petites entreprises en simplifiant la gestion.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14760_e75a65-2f .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-14760_e75a65-2f\"><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\">Les meilleurs r\u00e9sultats viennent souvent d\u2019une combinaison de r\u00e9gimes \u00e0 prestations d\u00e9termin\u00e9es et d\u2019autres outils d\u2019\u00e9pargne ou d\u2019assurance.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14760_70cdde-7c .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-14760_70cdde-7c\"><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\">Travailler avec un conseiller en avantages sociaux aide \u00e0 concevoir un r\u00e9gime durable, conforme et bien adapt\u00e9 \u00e0 l\u2019entreprise.<\/span><\/li>\n<\/ul><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"what-is-a-defined-benefit-pension-plan\">Qu\u2019est-ce qu\u2019un r\u00e9gime de retraite \u00e0 prestations d\u00e9termin\u00e9es?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Un r\u00e9gime de retraite \u00e0 prestations d\u00e9termin\u00e9es est un <a href=\"https:\/\/twinn.ca\/fr\/regime-retraite-employes\/\" data-type=\"link\" data-id=\"https:\/\/twinn.ca\/fr\/regime-retraite-employes\/\">programme de retraite<\/a> offert par l\u2019employeur qui garantit un revenu fixe \u00e0 la retraite. Le montant est g\u00e9n\u00e9ralement bas\u00e9 sur le salaire et les ann\u00e9es de service. Contrairement aux r\u00e9gimes d\u2019\u00e9pargne, c\u2019est l\u2019employeur \u2014 et non l\u2019employ\u00e9 \u2014 qui assume le risque des placements, assurant ainsi un revenu pr\u00e9visible et s\u00e9curis\u00e9.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ce type de r\u00e9gime s\u2019int\u00e8gre souvent \u00e0 d\u2019autres avantages collectifs, comme un REER collectif ou une assurance sant\u00e9, pour former un ensemble complet et coh\u00e9rent. La grande force du r\u00e9gime \u00e0 prestations d\u00e9termin\u00e9es, c\u2019est sa fiabilit\u00e9 : les employ\u00e9s savent \u00e0 quoi s\u2019attendre, et l\u2019employeur y gagne un puissant outil de r\u00e9tention et d\u2019attraction du personnel. <\/p>\n\n\n<style>.kb-image14760_8c7fb0-2c.kb-image-is-ratio-size, .kb-image14760_8c7fb0-2c .kb-image-is-ratio-size{max-width:899px;width:100%;}.wp-block-kadence-column > .kt-inside-inner-col > .kb-image14760_8c7fb0-2c.kb-image-is-ratio-size, .wp-block-kadence-column > .kt-inside-inner-col > .kb-image14760_8c7fb0-2c .kb-image-is-ratio-size{align-self:unset;}.kb-image14760_8c7fb0-2c{max-width:899px;}.image-is-svg.kb-image14760_8c7fb0-2c{-webkit-flex:0 1 100%;flex:0 1 100%;}.image-is-svg.kb-image14760_8c7fb0-2c img{width:100%;}.kb-image14760_8c7fb0-2c .kb-image-has-overlay:after{opacity:0.3;}<\/style>\n<figure class=\"wp-block-kadence-image kb-image14760_8c7fb0-2c size-full\"><img decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/09\/employer-and-employee-agreeing-on-defined-benefit-pension-plan.webp\" alt=\"employeur serrant la main d\u2019un employ\u00e9, concluant une entente pour un r\u00e9gime de retraite \u00e0 prestations d\u00e9termin\u00e9es\" class=\"kb-img wp-image-14663\" srcset=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/09\/employer-and-employee-agreeing-on-defined-benefit-pension-plan.webp 1000w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/09\/employer-and-employee-agreeing-on-defined-benefit-pension-plan-300x200.webp 300w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/09\/employer-and-employee-agreeing-on-defined-benefit-pension-plan-768x512.webp 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"why-choose-a-defined-benefit-pension-plan\">Pourquoi choisir un r\u00e9gime \u00e0 prestations d\u00e9termin\u00e9es?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Ce n\u2019est pas le bon choix pour toutes les entreprises, mais pour celles qui misent sur la stabilit\u00e9 et la planification \u00e0 long terme, c\u2019est un investissement strat\u00e9gique. On le retrouve surtout dans les organisations de taille moyenne ou grande, mais certaines PME y voient aussi une occasion de se d\u00e9marquer dans un march\u00e9 du travail comp\u00e9titif.   <\/p>\n\n\n<style>.kb-row-layout-id14760_069a68-fc > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id14760_069a68-fc > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id14760_069a68-fc > .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-lg, 3rem);}.kb-row-layout-id14760_069a68-fc > .kt-row-column-wrap > div:not(.added-for-specificity){grid-column:initial;}.kb-row-layout-id14760_069a68-fc > .kt-row-column-wrap{grid-template-columns:repeat(2, minmax(0, 1fr));}.kb-row-layout-id14760_069a68-fc > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id14760_069a68-fc > .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-id14760_069a68-fc > .kt-row-column-wrap > div:not(.added-for-specificity){grid-column:initial;}}@media all and (max-width: 767px){.kb-row-layout-id14760_069a68-fc > .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-id14760_069a68-fc > .kt-row-column-wrap > div:not(.added-for-specificity){grid-column:initial;}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id14760_069a68-fc 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 kt-inner-column-height-full kb-theme-content-width\">\n<style>.kadence-column14760_a5e9d0-c6 > .kt-inside-inner-col{display:flex;}.kadence-column14760_a5e9d0-c6 > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-md, 2rem);padding-right:var(--global-kb-spacing-md, 2rem);padding-bottom:var(--global-kb-spacing-md, 2rem);padding-left:var(--global-kb-spacing-md, 2rem);}.kadence-column14760_a5e9d0-c6 > .kt-inside-inner-col{border-top:2px dashed var(--global-palette3, #1A202C);border-right:2px dashed var(--global-palette3, #1A202C);border-bottom:2px dashed var(--global-palette3, #1A202C);border-left:2px dashed var(--global-palette3, #1A202C);}.kadence-column14760_a5e9d0-c6 > .kt-inside-inner-col,.kadence-column14760_a5e9d0-c6 > .kt-inside-inner-col:before{border-top-left-radius:20px;border-top-right-radius:20px;border-bottom-right-radius:20px;border-bottom-left-radius:20px;}.kadence-column14760_a5e9d0-c6 > .kt-inside-inner-col{row-gap:var(--global-kb-gap-sm, 1rem);column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14760_a5e9d0-c6 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column14760_a5e9d0-c6 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column14760_a5e9d0-c6{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14760_a5e9d0-c6{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14760_a5e9d0-c6 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column14760_a5e9d0-c6 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14760_a5e9d0-c6{position:relative;}@media all and (max-width: 1024px){.kadence-column14760_a5e9d0-c6 > .kt-inside-inner-col{border-top:2px dashed var(--global-palette3, #1A202C);border-right:2px dashed var(--global-palette3, #1A202C);border-bottom:2px dashed var(--global-palette3, #1A202C);border-left:2px dashed var(--global-palette3, #1A202C);flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column14760_a5e9d0-c6{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-column14760_a5e9d0-c6{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14760_a5e9d0-c6 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 767px){.kadence-column14760_a5e9d0-c6 > .kt-inside-inner-col{border-top:2px dashed var(--global-palette3, #1A202C);border-right:2px dashed var(--global-palette3, #1A202C);border-bottom:2px dashed var(--global-palette3, #1A202C);border-left:2px dashed var(--global-palette3, #1A202C);flex-direction:column;justify-content:flex-start;}.kt-row-column-wrap > .kadence-column14760_a5e9d0-c6{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14760_a5e9d0-c6{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14760_a5e9d0-c6 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14760_a5e9d0-c6\"><div class=\"kt-inside-inner-col\">\n<h4 class=\"wp-block-heading has-text-align-center\" id=\"attirer-et-retenir-les-talents\" style=\"font-size:20px\"><strong>Attirer et retenir les talents<\/strong><\/h4>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Dans un march\u00e9 o\u00f9 les grandes entreprises proposent des r\u00e9gimes de retraite avantageux, offrir un r\u00e9gime \u00e0 prestations d\u00e9termin\u00e9es montre que vous investissez dans l\u2019avenir de vos employ\u00e9s \u2014 pas seulement dans leur pr\u00e9sent.<\/p>\n<\/div><\/div>\n\n\n<style>.kadence-column14760_385071-9c > .kt-inside-inner-col{display:flex;}.kadence-column14760_385071-9c > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-md, 2rem);padding-right:var(--global-kb-spacing-md, 2rem);padding-bottom:var(--global-kb-spacing-md, 2rem);padding-left:var(--global-kb-spacing-md, 2rem);}.kadence-column14760_385071-9c > .kt-inside-inner-col{border-top:2px dashed var(--global-palette3, #1A202C);border-right:2px dashed var(--global-palette3, #1A202C);border-bottom:2px dashed var(--global-palette3, #1A202C);border-left:2px dashed var(--global-palette3, #1A202C);}.kadence-column14760_385071-9c > .kt-inside-inner-col,.kadence-column14760_385071-9c > .kt-inside-inner-col:before{border-top-left-radius:20px;border-top-right-radius:20px;border-bottom-right-radius:20px;border-bottom-left-radius:20px;}.kadence-column14760_385071-9c > .kt-inside-inner-col{row-gap:var(--global-kb-gap-sm, 1rem);column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14760_385071-9c > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column14760_385071-9c > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column14760_385071-9c{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14760_385071-9c{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14760_385071-9c > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column14760_385071-9c > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14760_385071-9c{position:relative;}@media all and (max-width: 1024px){.kadence-column14760_385071-9c > .kt-inside-inner-col{border-top:2px dashed var(--global-palette3, #1A202C);border-right:2px dashed var(--global-palette3, #1A202C);border-bottom:2px dashed var(--global-palette3, #1A202C);border-left:2px dashed var(--global-palette3, #1A202C);flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column14760_385071-9c{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-column14760_385071-9c{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14760_385071-9c > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 767px){.kadence-column14760_385071-9c > .kt-inside-inner-col{border-top:2px dashed var(--global-palette3, #1A202C);border-right:2px dashed var(--global-palette3, #1A202C);border-bottom:2px dashed var(--global-palette3, #1A202C);border-left:2px dashed var(--global-palette3, #1A202C);flex-direction:column;justify-content:flex-start;}.kt-row-column-wrap > .kadence-column14760_385071-9c{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14760_385071-9c{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14760_385071-9c > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14760_385071-9c\"><div class=\"kt-inside-inner-col\">\n<h4 class=\"wp-block-heading has-text-align-center\" id=\"des-couts-plus-previsibles\" style=\"font-size:20px\"><strong><strong>Des co\u00fbts plus pr\u00e9visibles<\/strong><\/strong><\/h4>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Puisque le risque de placement repose sur l\u2019employeur, les employ\u00e9s n\u2019ont pas \u00e0 s\u2019inqui\u00e9ter des fluctuations boursi\u00e8res. Cette stabilit\u00e9 leur permet de planifier leur retraite avec plus de s\u00e9r\u00e9nit\u00e9.<\/p>\n<\/div><\/div>\n\n\n<style>.kadence-column14760_56e050-41 > .kt-inside-inner-col{display:flex;}.kadence-column14760_56e050-41 > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-md, 2rem);padding-right:var(--global-kb-spacing-md, 2rem);padding-bottom:var(--global-kb-spacing-md, 2rem);padding-left:var(--global-kb-spacing-md, 2rem);}.kadence-column14760_56e050-41 > .kt-inside-inner-col{border-top:2px dashed var(--global-palette3, #1A202C);border-right:2px dashed var(--global-palette3, #1A202C);border-bottom:2px dashed var(--global-palette3, #1A202C);border-left:2px dashed var(--global-palette3, #1A202C);}.kadence-column14760_56e050-41 > .kt-inside-inner-col,.kadence-column14760_56e050-41 > .kt-inside-inner-col:before{border-top-left-radius:20px;border-top-right-radius:20px;border-bottom-right-radius:20px;border-bottom-left-radius:20px;}.kadence-column14760_56e050-41 > .kt-inside-inner-col{row-gap:var(--global-kb-gap-sm, 1rem);column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14760_56e050-41 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column14760_56e050-41 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column14760_56e050-41{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14760_56e050-41{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14760_56e050-41 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column14760_56e050-41 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14760_56e050-41{position:relative;}@media all and (max-width: 1024px){.kadence-column14760_56e050-41 > .kt-inside-inner-col{border-top:2px dashed var(--global-palette3, #1A202C);border-right:2px dashed var(--global-palette3, #1A202C);border-bottom:2px dashed var(--global-palette3, #1A202C);border-left:2px dashed var(--global-palette3, #1A202C);flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column14760_56e050-41{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-column14760_56e050-41{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14760_56e050-41 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 767px){.kadence-column14760_56e050-41 > .kt-inside-inner-col{border-top:2px dashed var(--global-palette3, #1A202C);border-right:2px dashed var(--global-palette3, #1A202C);border-bottom:2px dashed var(--global-palette3, #1A202C);border-left:2px dashed var(--global-palette3, #1A202C);flex-direction:column;justify-content:flex-start;}.kt-row-column-wrap > .kadence-column14760_56e050-41{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14760_56e050-41{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14760_56e050-41 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14760_56e050-41\"><div class=\"kt-inside-inner-col\">\n<h4 class=\"wp-block-heading has-text-align-center\" id=\"une-meilleure-fidelisation-du-personnel\" style=\"font-size:20px\"><strong><strong><strong>Une meilleure fid\u00e9lisation du personnel<\/strong><\/strong><\/strong><\/h4>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Savoir que leur retraite est prot\u00e9g\u00e9e incite les employ\u00e9s \u00e0 rester. Un sentiment de s\u00e9curit\u00e9 financi\u00e8re contribue directement \u00e0 la loyaut\u00e9 et \u00e0 l\u2019engagement.<\/p>\n<\/div><\/div>\n\n\n<style>.kadence-column14760_04594f-ea > .kt-inside-inner-col{display:flex;}.kadence-column14760_04594f-ea > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-md, 2rem);padding-right:var(--global-kb-spacing-md, 2rem);padding-bottom:var(--global-kb-spacing-md, 2rem);padding-left:var(--global-kb-spacing-md, 2rem);}.kadence-column14760_04594f-ea > .kt-inside-inner-col{border-top:2px dashed var(--global-palette3, #1A202C);border-right:2px dashed var(--global-palette3, #1A202C);border-bottom:2px dashed var(--global-palette3, #1A202C);border-left:2px dashed var(--global-palette3, #1A202C);}.kadence-column14760_04594f-ea > .kt-inside-inner-col,.kadence-column14760_04594f-ea > .kt-inside-inner-col:before{border-top-left-radius:20px;border-top-right-radius:20px;border-bottom-right-radius:20px;border-bottom-left-radius:20px;}.kadence-column14760_04594f-ea > .kt-inside-inner-col{row-gap:var(--global-kb-gap-sm, 1rem);column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14760_04594f-ea > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column14760_04594f-ea > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column14760_04594f-ea{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14760_04594f-ea{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14760_04594f-ea > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column14760_04594f-ea > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14760_04594f-ea{position:relative;}@media all and (max-width: 1024px){.kadence-column14760_04594f-ea > .kt-inside-inner-col{border-top:2px dashed var(--global-palette3, #1A202C);border-right:2px dashed var(--global-palette3, #1A202C);border-bottom:2px dashed var(--global-palette3, #1A202C);border-left:2px dashed var(--global-palette3, #1A202C);flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column14760_04594f-ea{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-column14760_04594f-ea{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14760_04594f-ea > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 767px){.kadence-column14760_04594f-ea > .kt-inside-inner-col{border-top:2px dashed var(--global-palette3, #1A202C);border-right:2px dashed var(--global-palette3, #1A202C);border-bottom:2px dashed var(--global-palette3, #1A202C);border-left:2px dashed var(--global-palette3, #1A202C);flex-direction:column;justify-content:flex-start;}.kt-row-column-wrap > .kadence-column14760_04594f-ea{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14760_04594f-ea{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14760_04594f-ea > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14760_04594f-ea\"><div class=\"kt-inside-inner-col\">\n<h4 class=\"wp-block-heading has-text-align-center\" id=\"une-protection-accrue-pour-les-employes\" style=\"font-size:20px\"><strong><strong><strong><strong>Une protection accrue pour les employ\u00e9s<\/strong><\/strong><\/strong><\/strong><\/h4>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Les cotisations sont \u00e9tablies selon une formule pr\u00e9cise plut\u00f4t qu\u2019en fonction de march\u00e9s impr\u00e9visibles. Pour les entreprises qui privil\u00e9gient la stabilit\u00e9 financi\u00e8re, c\u2019est une approche qui facilite la planification budg\u00e9taire.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<h4 class=\"wp-block-heading\" id=\"and-how-do-employees-benefit\" style=\"font-size:25px\">Quels avantages pour les employ\u00e9s?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Pour les employ\u00e9s, un r\u00e9gime de retraite \u00e0 prestations d\u00e9termin\u00e9es est souvent per\u00e7u comme la garantie ultime de s\u00e9curit\u00e9 financi\u00e8re. Plut\u00f4t que de d\u00e9pendre de la performance des march\u00e9s, ils savent d\u00e8s le d\u00e9part quel revenu ils recevront \u00e0 la retraite. Cette clart\u00e9 facilite la planification \u00e0 long terme, qu\u2019il s\u2019agisse de rembourser une hypoth\u00e8que, d\u2019aider un enfant \u00e0 poursuivre ses \u00e9tudes ou de pr\u00e9parer des projets de retraite plus personnels. En somme, le r\u00e9gime \u00e0 prestation d\u00e9termin\u00e9e transforme la retraite d\u2019une p\u00e9riode d\u2019incertitude en une \u00e9tape pr\u00e9visible et rassurante.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"how-do-db-plans-work\">Comment fonctionne un r\u00e9gime \u00e0 prestations d\u00e9termin\u00e9es<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Un r\u00e9gime de retraite \u00e0 prestations d\u00e9termin\u00e9es repose sur une formule claire plut\u00f4t que sur des hypoth\u00e8ses. Le revenu de retraite est g\u00e9n\u00e9ralement li\u00e9 au salaire et aux ann\u00e9es de service de l\u2019employ\u00e9. Par exemple :  <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Un employ\u00e9 gagne en moyenne 60 000 $ au cours de ses cinq derni\u00e8res ann\u00e9es et a travaill\u00e9 25 ans.<\/li>\n\n\n\n<li>La formule pr\u00e9voit 2 % du salaire moyen par ann\u00e9e de service.<\/li>\n\n\n\n<li>Prestation de retraite : 2 % \u00d7 25 ans \u00d7 60 000 $ = 30 000 $ par ann\u00e9e \u00e0 vie.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Autrement dit, plus un employ\u00e9 reste longtemps en poste, plus sa prestation d\u00e9termin\u00e9e augmente. Les employeurs financent ces promesses au moyen de cotisations r\u00e9guli\u00e8res et d\u2019une gestion prudente des placements. Voici les principaux volets du fonctionnement d\u2019un r\u00e9gime \u00e0 prestations d\u00e9termin\u00e9es :  <\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items14760_546a81-af:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14760_546a81-af 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:20px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14760_546a81-af ul.kt-svg-icon-list{grid-row-gap:26px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14760_546a81-af .kb-svg-icon-wrap{font-size:20px;color:var(--global-palette4, #2D3748);}.wp-block-kadence-iconlist.kt-svg-icon-list-items14760_546a81-af ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items14760_546a81-af 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-items14760_546a81-af: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-items14760_546a81-af: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-items14760_546a81-af: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-items14760_546a81-af kt-svg-icon-list-columns-2 alignnone kt-list-icon-aligntop\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-14760_434f24-62 .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-14760_434f24-62\"><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\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-theme-palette-2-color\"><strong>Cotisations<\/strong><br><\/mark>Les employeurs et les employ\u00e9s versent tous deux des cotisations, g\u00e9n\u00e9ralement sous forme d\u2019un pourcentage du salaire. Les plafonds de cotisation permettent aux employeurs de pr\u00e9voir leurs co\u00fbts tout en assurant l\u2019\u00e9quit\u00e9 entre les employ\u00e9s. <\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14760_c10185-42 .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-14760_c10185-42\"><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\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-theme-palette-2-color\"><strong>Administration<\/strong><br><\/mark>Un r\u00e9gime de retraite \u00e0 prestations d\u00e9termin\u00e9es demande une gestion continue : suivi des ann\u00e9es de service, des salaires, des cotisations et du rendement des placements. Les employeurs collaborent avec des actuaires pour s\u2019assurer de la conformit\u00e9 du r\u00e9gime et de sa viabilit\u00e9 \u00e0 long terme. <\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14760_324c39-6a .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14760_324c39-6a\"><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\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-theme-palette-2-color\"><strong>Gestion des placements<\/strong><\/mark><br>Les cotisations sont regroup\u00e9es et investies par l\u2019administrateur du r\u00e9gime, souvent une compagnie d\u2019assurance reconnue comme Sun Life, Manuvie, Canada Vie ou RBC Assurances. Les employ\u00e9s profitent ainsi d\u2019une gestion professionnelle sans avoir \u00e0 faire eux-m\u00eames des choix d\u2019investissement complexes.  <\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14760_a92926-4f .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-14760_a92926-4f\"><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\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-theme-palette-2-color\"><strong>Portabilit\u00e9<\/strong><br><\/mark>La portabilit\u00e9 varie selon le type de r\u00e9gime et le fournisseur, mais de nombreux r\u00e9gimes \u00e0 prestations d\u00e9termin\u00e9es permettent de transf\u00e9rer la valeur accumul\u00e9e vers un autre r\u00e9gime enregistr\u00e9 de retraite ou un <a href=\"https:\/\/www.td.com\/ca\/fr\/investir\/placement-en-direct\/articles\/cri\" data-type=\"link\" data-id=\"https:\/\/www.td.com\/ca\/fr\/investir\/placement-en-direct\/articles\/cri\" target=\"_blank\" rel=\"noopener\">compte de retraite immobilis\u00e9 (CRI)<\/a>.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"tax-requirements\" style=\"font-size:25px\">Traitement fiscal<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Un r\u00e9gime de retraite \u00e0 prestations d\u00e9termin\u00e9es ne se limite pas \u00e0 garantir un revenu stable : il offre aussi des avantages fiscaux importants.<br>Les cotisations vers\u00e9es par l\u2019employeur sont d\u00e9ductibles d\u2019imp\u00f4t, ce qui r\u00e9duit le revenu imposable de l\u2019entreprise. Du c\u00f4t\u00e9 des employ\u00e9s, les cotisations diminuent \u00e9galement le revenu imposable, \u00e0 l\u2019image des d\u00e9ductions d\u2019un REER.  <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c0 la retraite, les prestations sont imposables, mais la plupart des retrait\u00e9s se trouvent dans une tranche d\u2019imposition plus basse que durant leur vie active, ce qui rend l\u2019ensemble avantageux. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Voici les principaux sous-types :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Un employ\u00e9 cotisant 4 000 $ par an r\u00e9duit son revenu imposable du m\u00eame montant.<\/li>\n\n\n\n<li>\u00c0 la retraite, il re\u00e7oit 25 000 $ par an en prestations et paie de l\u2019imp\u00f4t \u00e0 un taux plus faible.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Ce fonctionnement rend le r\u00e9gime fiscalement efficace pour les deux parties tout en soutenant sa p\u00e9rennit\u00e9 financi\u00e8re.<\/p>\n\n\n<style>.kb-image14760_1acd9d-31 .kb-image-has-overlay:after{opacity:0.3;}<\/style>\n<figure class=\"wp-block-kadence-image kb-image14760_1acd9d-31 size-full\"><img decoding=\"async\" width=\"1000\" height=\"527\" src=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/09\/hr-team-meeting-intergrating-db-plan.webp\" alt=\"\" class=\"kb-img wp-image-14665\" srcset=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/09\/hr-team-meeting-intergrating-db-plan.webp 1000w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/09\/hr-team-meeting-intergrating-db-plan-300x158.webp 300w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/09\/hr-team-meeting-intergrating-db-plan-768x405.webp 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"defined-benefit-vs-defined-contribution-plans\">Types de r\u00e9gimes \u00e0 prestations d\u00e9termin\u00e9es<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Les r\u00e9gimes de retraite \u00e0 prestations d\u00e9termin\u00e9es se distinguent par la mani\u00e8re dont ils calculent les prestations et par leur structure. Comprendre ces diff\u00e9rences aide les employeurs \u00e0 choisir le r\u00e9gime le plus adapt\u00e9 \u00e0 leur entreprise et \u00e0 leurs employ\u00e9s. <\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"db-benefit-formulas\" style=\"font-size:25px\">Formules de calcul des prestations<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Voici les principaux mod\u00e8les utilis\u00e9s pour d\u00e9terminer le montant de la pension :<\/p>\n\n\n\n<figure class=\"wp-block-table alignfull is-style-stripes\"><table class=\"has-theme-palette-8-background-color has-background\" style=\"border-width:2px\"><thead><tr><th>Type de formule<\/th><th>Caract\u00e9ristiques principales<\/th><th>Exemple<\/th><th>Id\u00e9al pour<\/th><\/tr><\/thead><tbody><tr><td><strong>R\u00e9gime \u00e0 moyenne finale (RMF)<\/strong><\/td><td>La prestation est bas\u00e9e sur le salaire moyen des derni\u00e8res ann\u00e9es d\u2019emploi (souvent 3 \u00e0 5 ans).<\/td><td>Salaire moyen final : 80 000 $ \u00d7 2 % \u00d7 25 ans = 40 000 $\/an.<\/td><td>Employ\u00e9s ayant une carri\u00e8re stable et une progression salariale r\u00e9guli\u00e8re.<\/td><\/tr><tr><td><strong>R\u00e9gime \u00e0 moyenne de carri\u00e8re (RMC)<\/strong><\/td><td>Le calcul repose sur la moyenne des salaires gagn\u00e9s pendant toute la carri\u00e8re.<\/td><td>Salaire moyen de carri\u00e8re : 70 000 $ \u00d7 2 % \u00d7 25 ans = 35 000 $\/an.<\/td><td>Employ\u00e9s dont les salaires varient ou qui ont chang\u00e9 souvent de poste.<\/td><\/tr><tr><td><strong>R\u00e9gime \u00e0 prestation fixe<\/strong><\/td><td>Le montant est fixe pour chaque ann\u00e9e de service, sans lien avec le salaire.<\/td><td>1 200 $ \u00d7 25 ans = 30 000 $\/an.<\/td><td>Employeurs cherchant un mod\u00e8le simple et facile \u00e0 administrer.<\/td><\/tr><tr><td><strong>R\u00e9gime \u00e0 unit\u00e9 de prestation<\/strong><\/td><td>La prestation est calcul\u00e9e selon un pourcentage du salaire de chaque ann\u00e9e de service.<\/td><td>Si le taux est de 1,5 %, le total combin\u00e9 des salaires donne environ 30 000 $\/an. <\/td><td>Entreprises voulant refl\u00e9ter \u00e0 la fois les gains de carri\u00e8re et l\u2019anciennet\u00e9.<\/td><\/tr><tr><td><strong>R\u00e9gime hybride<\/strong><\/td><td>Combine des \u00e9l\u00e9ments de r\u00e9gimes \u00e0 prestations d\u00e9termin\u00e9es et \u00e0 cotisations d\u00e9termin\u00e9es.<\/td><td>Base garantie : 1 % \u00d7 25 \u00d7 70 000 $ = 17 500 $\/an + portion li\u00e9e aux rendements (ex. 5 000 $).<\/td><td>Employeurs cherchant un \u00e9quilibre entre s\u00e9curit\u00e9 et flexibilit\u00e9.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">Pour un calcul plus pr\u00e9cis selon votre situation, plusieurs assureurs et conseillers offrent des outils en ligne. Essayez par exemple un simulateur de <a href=\"https:\/\/saberpension.com\/defined-benefit-plan-calculator\" data-type=\"link\" data-id=\"https:\/\/saberpension.com\/defined-benefit-plan-calculator\" target=\"_blank\" rel=\"noopener\">r\u00e9gime de retraite \u00e0 prestations d\u00e9termin\u00e9es<\/a> pour obtenir une estimation rapide du revenu de retraite potentiel li\u00e9 \u00e0 votre r\u00e9gime. <\/p>\n<\/blockquote>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"db-structural-subtypes\" style=\"font-size:25px\">Sous-types structurels de r\u00e9gimes \u00e0 prestations d\u00e9termin\u00e9es<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Ces mod\u00e8les ne d\u00e9terminent pas la formule de calcul des prestations (comme le font les r\u00e9gimes \u00e0 moyenne finale ou \u00e0 moyenne de carri\u00e8re). Ils pr\u00e9cisent plut\u00f4t qui administre le r\u00e9gime, qui y participe, comment il est financ\u00e9 et comment les risques sont partag\u00e9s. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Voici les principaux sous-types :<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items14760_8dba7d-97:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14760_8dba7d-97 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-items14760_8dba7d-97 ul.kt-svg-icon-list{grid-row-gap:13px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14760_8dba7d-97 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items14760_8dba7d-97 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-items14760_8dba7d-97 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-14760_32270f-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-14760_32270f-dd\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_arrowRightCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><polyline points=\"12 16 16 12 12 8\"\/><line x1=\"8\" y1=\"12\" x2=\"16\" y2=\"12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>R\u00e9gime interentreprises (RIE)<\/strong><br>Permet \u00e0 plusieurs employeurs de participer \u00e0 un m\u00eame r\u00e9gime de retraite \u00e0 prestations d\u00e9termin\u00e9es, r\u00e9duisant ainsi les co\u00fbts et simplifiant l\u2019administration.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14760_110421-9e .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-14760_110421-9e\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_arrowRightCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><polyline points=\"12 16 16 12 12 8\"\/><line x1=\"8\" y1=\"12\" x2=\"16\" y2=\"12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong><a href=\"https:\/\/twinn.ca\/fr\/regime-retraite-simplifie\/\" data-type=\"link\" data-id=\"https:\/\/twinn.ca\/fr\/regime-retraite-simplifie\/\">R\u00e9gime de pension simplifi\u00e9 (RPS)<\/a><\/strong><br>Con\u00e7u pour les petites entreprises, ce r\u00e9gime \u00e0 prestations d\u00e9termin\u00e9es all\u00e8ge la gestion administrative et limite les cotisations, tout en offrant un cadre de retraite professionnel.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14760_75ef62-81 .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-14760_75ef62-81\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_arrowRightCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><polyline points=\"12 16 16 12 12 8\"\/><line x1=\"8\" y1=\"12\" x2=\"16\" y2=\"12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>R\u00e9gime \u00e0 prestations cibles (RPCi)<\/strong><br>Combine les caract\u00e9ristiques des r\u00e9gimes \u00e0 prestations d\u00e9termin\u00e9es et \u00e0 cotisations d\u00e9termin\u00e9es. Il vise un revenu cible \u00e0 la retraite, avec des cotisations plus stables et pr\u00e9visibles.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14760_726d81-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-14760_726d81-d5\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_arrowRightCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><polyline points=\"12 16 16 12 12 8\"\/><line x1=\"8\" y1=\"12\" x2=\"16\" y2=\"12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>R\u00e9gime du secteur public<\/strong><br>Administr\u00e9 par des organismes gouvernementaux, il offre des prestations de retraite r\u00e9glement\u00e9es et garanties \u00e0 grande \u00e9chelle pour les employ\u00e9s du secteur public.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14760_2c3d62-f7 .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-14760_2c3d62-f7\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_arrowRightCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><polyline points=\"12 16 16 12 12 8\"\/><line x1=\"8\" y1=\"12\" x2=\"16\" y2=\"12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>R\u00e9gime \u00e0 coparrainage (ou r\u00e9gime conjoint)<\/strong><br>G\u00e9r\u00e9 conjointement par les employeurs et les employ\u00e9s, il r\u00e9partit les responsabilit\u00e9s de financement et les risques entre les deux parties, favorisant une gouvernance partag\u00e9e.<\/span><\/li>\n<\/ul><\/div>\n\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id14760_b470c7-92{margin-top:var(--global-kb-spacing-sm, 1.5rem);margin-bottom:var(--global-kb-spacing-sm, 1.5rem);}.kb-row-layout-id14760_b470c7-92 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id14760_b470c7-92 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id14760_b470c7-92 > .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-id14760_b470c7-92{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-id14760_b470c7-92 > .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-id14760_b470c7-92 > .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-id14760_b470c7-92 > .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-id14760_b470c7-92 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id14760_b470c7-92 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-column14760_e07add-01 > .kt-inside-inner-col,.kadence-column14760_e07add-01 > .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-column14760_e07add-01 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14760_e07add-01 > .kt-inside-inner-col{flex-direction:column;}.kadence-column14760_e07add-01 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14760_e07add-01 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14760_e07add-01{position:relative;}@media all and (max-width: 1024px){.kadence-column14760_e07add-01 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column14760_e07add-01 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14760_e07add-01\"><div class=\"kt-inside-inner-col\"><style>.kadence-column14760_510665-fa > .kt-inside-inner-col{display:flex;}#wrapper.site{overflow:clip;}.kadence-column14760_510665-fa{--kb-section-setting-offset:90px;}.kadence-column14760_510665-fa > .kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kadence-column14760_510665-fa > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14760_510665-fa > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column14760_510665-fa > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column14760_510665-fa{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14760_510665-fa{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14760_510665-fa > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column14760_510665-fa > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14760_510665-fa{text-align:left;}.kadence-column14760_510665-fa{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column14760_510665-fa{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-column14760_510665-fa{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14760_510665-fa > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 1024px){.kadence-column14760_510665-fa > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column14760_510665-fa{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14760_510665-fa{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14760_510665-fa > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column14760_510665-fa > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14760_510665-fa 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-heading14760_e65af6-17, .wp-block-kadence-advancedheading.kt-adv-heading14760_e65af6-17[data-kb-block=\"kb-adv-heading14760_e65af6-17\"]{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-heading14760_e65af6-17 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading14760_e65af6-17[data-kb-block=\"kb-adv-heading14760_e65af6-17\"] 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-heading14760_e65af6-17 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading14760_e65af6-17[data-kb-block=\"kb-adv-heading14760_e65af6-17\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading14760_e65af6-17, .wp-block-kadence-advancedheading.kt-adv-heading14760_e65af6-17[data-kb-block=\"kb-adv-heading14760_e65af6-17\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading14760_e65af6-17, .wp-block-kadence-advancedheading.kt-adv-heading14760_e65af6-17[data-kb-block=\"kb-adv-heading14760_e65af6-17\"]{text-align:center!important;}}<\/style>\n<h4 class=\"kt-adv-heading14760_e65af6-17 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading14760_e65af6-17\">Pr\u00eat \u00e0 b\u00e2tir le bon r\u00e9gime pour votre entreprise?<\/h4>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading14760_94cb53-17, .wp-block-kadence-advancedheading.kt-adv-heading14760_94cb53-17[data-kb-block=\"kb-adv-heading14760_94cb53-17\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading14760_94cb53-17 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading14760_94cb53-17[data-kb-block=\"kb-adv-heading14760_94cb53-17\"] 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-heading14760_94cb53-17 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading14760_94cb53-17[data-kb-block=\"kb-adv-heading14760_94cb53-17\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading14760_94cb53-17, .wp-block-kadence-advancedheading.kt-adv-heading14760_94cb53-17[data-kb-block=\"kb-adv-heading14760_94cb53-17\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading14760_94cb53-17, .wp-block-kadence-advancedheading.kt-adv-heading14760_94cb53-17[data-kb-block=\"kb-adv-heading14760_94cb53-17\"]{text-align:center!important;}}<\/style>\n<p class=\"kt-adv-heading14760_94cb53-17 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading14760_94cb53-17\">Que vous souhaitiez mettre en place un r\u00e9gime de retraite \u00e0 prestations d\u00e9termin\u00e9es ou simplement comparer vos options, nos conseillers peuvent vous aider \u00e0 \u00e9laborer et administrer un programme sans tracas.<\/p>\n<\/div><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column14760_b91b86-e1 > .kt-inside-inner-col{display:flex;}.kadence-column14760_b91b86-e1 > .kt-inside-inner-col,.kadence-column14760_b91b86-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-column14760_b91b86-e1 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14760_b91b86-e1 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column14760_b91b86-e1 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column14760_b91b86-e1{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14760_b91b86-e1{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14760_b91b86-e1 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column14760_b91b86-e1 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14760_b91b86-e1{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column14760_b91b86-e1{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14760_b91b86-e1{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14760_b91b86-e1 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column14760_b91b86-e1 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column14760_b91b86-e1{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14760_b91b86-e1{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14760_b91b86-e1 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column14760_b91b86-e1 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14760_b91b86-e1\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading14760_4c67b3-12, .wp-block-kadence-advancedheading.kt-adv-heading14760_4c67b3-12[data-kb-block=\"kb-adv-heading14760_4c67b3-12\"]{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-heading14760_4c67b3-12[data-kb-block=\"kb-adv-heading14760_4c67b3-12\"]{display:flex;gap:0.25em;justify-content:center;align-items:center;}.wp-block-kadence-advancedheading.kt-adv-heading14760_4c67b3-12[data-kb-block=\"kb-adv-heading14760_4c67b3-12\"] .kb-adv-heading-icon svg{width:1em;height:1em;}.wp-block-kadence-advancedheading.kt-adv-heading14760_4c67b3-12[data-kb-block=\"kb-adv-heading14760_4c67b3-12\"] .kb-adv-heading-icon{color:var(--global-palette1, #3182CE);}.wp-block-kadence-advancedheading.kt-adv-heading14760_4c67b3-12 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading14760_4c67b3-12[data-kb-block=\"kb-adv-heading14760_4c67b3-12\"] 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-heading14760_4c67b3-12 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading14760_4c67b3-12[data-kb-block=\"kb-adv-heading14760_4c67b3-12\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading14760_4c67b3-12, .wp-block-kadence-advancedheading.kt-adv-heading14760_4c67b3-12[data-kb-block=\"kb-adv-heading14760_4c67b3-12\"]{text-align:center!important;}}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading14760_4c67b3-12[data-kb-block=\"kb-adv-heading14760_4c67b3-12\"]{justify-content:center;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading14760_4c67b3-12, .wp-block-kadence-advancedheading.kt-adv-heading14760_4c67b3-12[data-kb-block=\"kb-adv-heading14760_4c67b3-12\"]{padding-bottom:0px;text-align:center!important;}.wp-block-kadence-advancedheading.kt-adv-heading14760_4c67b3-12[data-kb-block=\"kb-adv-heading14760_4c67b3-12\"]{justify-content:center;}}<\/style><p class=\"kt-adv-heading14760_4c67b3-12 wp-block-kadence-advancedheading kt-adv-heading-has-icon\" data-kb-block=\"kb-adv-heading14760_4c67b3-12\"><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-btns14760_8ffbf7-5e{gap:var(--global-kb-gap-xs, 0.5rem );justify-content:center;align-items:center;}.kt-btns14760_8ffbf7-5e .kt-button{font-weight:normal;font-style:normal;}.kt-btns14760_8ffbf7-5e .kt-btn-wrap-0{margin-right:5px;}.wp-block-kadence-advancedbtn.kt-btns14760_8ffbf7-5e .kt-btn-wrap-0 .kt-button{color:#555555;border-color:#555555;}.wp-block-kadence-advancedbtn.kt-btns14760_8ffbf7-5e .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns14760_8ffbf7-5e .kt-btn-wrap-0 .kt-button:focus{color:#ffffff;border-color:#444444;}.wp-block-kadence-advancedbtn.kt-btns14760_8ffbf7-5e .kt-btn-wrap-0 .kt-button::before{display:none;}.wp-block-kadence-advancedbtn.kt-btns14760_8ffbf7-5e .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns14760_8ffbf7-5e .kt-btn-wrap-0 .kt-button:focus{background:#444444;}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn.kb-btns14760_8ffbf7-5e{justify-content:center;}}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn.kb-btns14760_8ffbf7-5e{justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-advancedbtn kb-buttons-wrap kb-btns14760_8ffbf7-5e\"><style>ul.menu .wp-block-kadence-advancedbtn .kb-btn14760_e95a69-2e.kb-button{width:initial;}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn .kb-btn14760_e95a69-2e.kb-button{font-size:var(--global-kb-font-size-sm, 0.9rem);}}<\/style><a class=\"kb-button kt-button button kb-btn14760_e95a69-2e 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=\"db-plans-vs-defined-contribution-plans\">Comment mettre en place un r\u00e9gime \u00e0 prestations d\u00e9termin\u00e9es<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Mettre sur pied un r\u00e9gime de retraite \u00e0 prestations d\u00e9termin\u00e9es exige une planification rigoureuse, des conseils d\u2019experts et une strat\u00e9gie claire pour s\u2019assurer que le r\u00e9gime fonctionne \u00e0 la fois pour l\u2019entreprise et pour les employ\u00e9s. Voici les principales \u00e9tapes : <\/p>\n\n\n<style>.kb-row-layout-id14760_b9849f-89 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id14760_b9849f-89 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id14760_b9849f-89 > .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-xl, 4rem);}.kb-row-layout-id14760_b9849f-89 > .kt-row-column-wrap > div:not(.added-for-specificity){grid-column:initial;}.kb-row-layout-id14760_b9849f-89 > .kt-row-column-wrap{grid-template-columns:repeat(2, minmax(0, 1fr));}.kb-row-layout-id14760_b9849f-89 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id14760_b9849f-89 > .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-id14760_b9849f-89 > .kt-row-column-wrap > div:not(.added-for-specificity){grid-column:initial;}}@media all and (max-width: 767px){.kb-row-layout-id14760_b9849f-89 > .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-id14760_b9849f-89 > .kt-row-column-wrap > div:not(.added-for-specificity){grid-column:initial;}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id14760_b9849f-89 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 kt-inner-column-height-full kb-theme-content-width\">\n<style>.kadence-column14760_e6d8c6-da > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-xs, 1rem);padding-left:var(--global-kb-spacing-md, 2rem);}.kadence-column14760_e6d8c6-da > .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-column14760_e6d8c6-da > .kt-inside-inner-col,.kadence-column14760_e6d8c6-da > .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-column14760_e6d8c6-da > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14760_e6d8c6-da > .kt-inside-inner-col{flex-direction:column;}.kadence-column14760_e6d8c6-da > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14760_e6d8c6-da > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14760_e6d8c6-da{position:relative;}@media all and (max-width: 1024px){.kadence-column14760_e6d8c6-da > .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-column14760_e6d8c6-da > .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-column14760_e6d8c6-da\"><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)\"><strong>\u00c9tape 1 : S\u2019entourer des bons experts<\/strong><\/h5>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items14760_01a7d3-a2:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14760_01a7d3-a2 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-items14760_01a7d3-a2 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14760_01a7d3-a2 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items14760_01a7d3-a2 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-items14760_01a7d3-a2 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-14760_61206c-57 .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-14760_61206c-57\"><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\">Collaborez avec un conseiller en avantages sociaux et des assureurs r\u00e9put\u00e9s comme Sun Life, Manuvie, Canada Vie ou RBC Assurances. Ensemble, ils vous aideront \u00e0 : <\/span><\/li>\n<\/ul><\/div>\n\n\n\n<ul style=\"padding-left:var(--wp--preset--spacing--70)\" class=\"wp-block-list\">\n<li style=\"padding-left:0\">Comparer les options de r\u00e9gimes disponibles<\/li>\n\n\n\n<li>Concevoir un r\u00e9gime adapt\u00e9 \u00e0 la r\u00e9alit\u00e9 de votre effectif<\/li>\n\n\n\n<li style=\"padding-left:0\">Assurer la conformit\u00e9 d\u00e8s la mise en place<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n<style>.kadence-column14760_5509ea-5b > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-xs, 1rem);padding-left:var(--global-kb-spacing-md, 2rem);}.kadence-column14760_5509ea-5b > .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-column14760_5509ea-5b > .kt-inside-inner-col,.kadence-column14760_5509ea-5b > .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-column14760_5509ea-5b > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14760_5509ea-5b > .kt-inside-inner-col{flex-direction:column;}.kadence-column14760_5509ea-5b > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14760_5509ea-5b > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14760_5509ea-5b{position:relative;}@media all and (max-width: 1024px){.kadence-column14760_5509ea-5b > .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-column14760_5509ea-5b > .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-column14760_5509ea-5b\"><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)\"><strong>\u00c9tape 2 : D\u00e9finir la strat\u00e9gie de financement<\/strong><\/h5>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items14760_4e6971-fe:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14760_4e6971-fe 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-items14760_4e6971-fe ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14760_4e6971-fe ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items14760_4e6971-fe 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-items14760_4e6971-fe kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-14760_3b8af6-37 .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-14760_3b8af6-37\"><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 mode de contribution et des responsabilit\u00e9s de chaque partie. En g\u00e9n\u00e9ral, l\u2019employeur assume la plus grande part, mais les employ\u00e9s peuvent aussi verser un pourcentage fixe.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Un conseiller peut vous aider \u00e0 structurer ces cotisations pour maintenir des co\u00fbts pr\u00e9visibles tout en garantissant un bon revenu de retraite.  <\/p>\n<\/div><\/div>\n\n\n<style>.kadence-column14760_3b1d31-d4 > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-xs, 1rem);padding-left:var(--global-kb-spacing-md, 2rem);}.kadence-column14760_3b1d31-d4 > .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-column14760_3b1d31-d4 > .kt-inside-inner-col,.kadence-column14760_3b1d31-d4 > .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-column14760_3b1d31-d4 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14760_3b1d31-d4 > .kt-inside-inner-col{flex-direction:column;}.kadence-column14760_3b1d31-d4 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14760_3b1d31-d4 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14760_3b1d31-d4{position:relative;}@media all and (max-width: 1024px){.kadence-column14760_3b1d31-d4 > .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-column14760_3b1d31-d4 > .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-column14760_3b1d31-d4\"><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)\"><strong>\u00c9tape 3 : Mettre en place l\u2019administration et la supervision<\/strong><\/h5>\n\n\n\n<p class=\"wp-block-paragraph\">Les r\u00e9gimes \u00e0 prestations d\u00e9termin\u00e9es n\u00e9cessitent un suivi rigoureux et des \u00e9valuations actuarielles p\u00e9riodiques.<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items14760_ea7819-72:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14760_ea7819-72 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-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-items14760_ea7819-72 ul.kt-svg-icon-list{grid-row-gap:14px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14760_ea7819-72 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items14760_ea7819-72 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-items14760_ea7819-72 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-14760_34a673-ba .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-14760_34a673-ba\"><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\">Nommer un administrateur de r\u00e9gime ou faire appel \u00e0 un fournisseur externe permet d\u2019assurer la fiabilit\u00e9 des calculs de prestations, la conformit\u00e9 r\u00e9glementaire et la production des rapports requis.<\/span><\/li>\n<\/ul><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column14760_110216-a0 > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-xs, 1rem);padding-left:var(--global-kb-spacing-md, 2rem);}.kadence-column14760_110216-a0 > .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-column14760_110216-a0 > .kt-inside-inner-col,.kadence-column14760_110216-a0 > .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-column14760_110216-a0 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14760_110216-a0 > .kt-inside-inner-col{flex-direction:column;}.kadence-column14760_110216-a0 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14760_110216-a0 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14760_110216-a0{position:relative;}@media all and (max-width: 1024px){.kadence-column14760_110216-a0 > .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-column14760_110216-a0 > .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-column14760_110216-a0\"><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)\"><strong>\u00c9tape 4 : Communiquer efficacement avec les employ\u00e9s<\/strong><\/h5>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"padding-left:var(--wp--preset--spacing--20)\">Il est essentiel que les employ\u00e9s comprennent :<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items14760_fe4379-ad:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14760_fe4379-ad ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-xxs, 0.5rem);padding-left:var(--global-kb-spacing-md, 2rem);}.wp-block-kadence-iconlist.kt-svg-icon-list-items14760_fe4379-ad ul.kt-svg-icon-list{grid-row-gap:4px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14760_fe4379-ad ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items14760_fe4379-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-items14760_fe4379-ad kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-14760_b1ebeb-36 .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-14760_b1ebeb-36\"><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\">Le fonctionnement du r\u00e9gime<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14760_9e14ac-09 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14760_9e14ac-09\"><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\">Ce que la formule de prestation d\u00e9termin\u00e9e signifie pour eux<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14760_4da824-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-14760_4da824-a9\"><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 cotisations qu\u2019ils doivent verser, le cas \u00e9ch\u00e9ant<\/span><\/li>\n<\/ul><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-image14760_1bb2ce-c4 .kb-image-has-overlay:after{opacity:0.3;}<\/style>\n<figure class=\"wp-block-kadence-image kb-image14760_1bb2ce-c4 size-full\"><img decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/09\/analyzing-results-expert-study.webp\" alt=\"\" class=\"kb-img wp-image-14667\" srcset=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/09\/analyzing-results-expert-study.webp 1000w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/09\/analyzing-results-expert-study-300x200.webp 300w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/09\/analyzing-results-expert-study-768x512.webp 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"implementing-db-plans-alongside-other-benefits\">Int\u00e9grer un r\u00e9gime \u00e0 prestations d\u00e9termin\u00e9es \u00e0 d\u2019autres programmes<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Un r\u00e9gime de retraite \u00e0 prestations d\u00e9termin\u00e9es est d\u00e9j\u00e0 un outil puissant en soi, mais il devient encore plus efficace lorsqu\u2019il est combin\u00e9 \u00e0 d\u2019autres programmes d\u2019\u00e9pargne et d\u2019avantages sociaux. Cette approche hybride permet aux employ\u00e9s de profiter d\u2019une plus grande flexibilit\u00e9, tout en gardant les co\u00fbts ma\u00eetris\u00e9s pour l\u2019employeur. <\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items14760_01ddcf-c6:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14760_01ddcf-c6 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-items14760_01ddcf-c6 ul.kt-svg-icon-list{grid-row-gap:23px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14760_01ddcf-c6 .kb-svg-icon-wrap{color:var(--global-palette2, #2B6CB0);}.wp-block-kadence-iconlist.kt-svg-icon-list-items14760_01ddcf-c6 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items14760_01ddcf-c6 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-items14760_01ddcf-c6: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-items14760_01ddcf-c6: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-items14760_01ddcf-c6: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-items14760_01ddcf-c6 kt-svg-icon-list-columns-2 alignnone kt-list-icon-aligntop\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-14760_e446bf-c5 .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-14760_e446bf-c5\"><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 : Ajouter des programmes d\u2019\u00e9pargne volontaire<\/mark><br><\/strong>Les employeurs associent souvent un r\u00e9gime \u00e0 prestations d\u00e9termin\u00e9es \u00e0 un <strong>REER collectif <\/strong>ou \u00e0 un <a href=\"https:\/\/www.canada.ca\/fr\/agence-revenu\/services\/impot\/administrateurs-regimes-enregistres\/regimes-participation-differee-benefices\/agreer-apercu.html\" data-type=\"link\" data-id=\"https:\/\/www.canada.ca\/fr\/agence-revenu\/services\/impot\/administrateurs-regimes-enregistres\/regimes-participation-differee-benefices\/agreer-apercu.html\" target=\"_blank\" rel=\"noopener\">r\u00e9gime de participation diff\u00e9r\u00e9e aux b\u00e9n\u00e9fices (RPDB)<\/a>. Ces options permettent aux employ\u00e9s d\u2019\u00e9pargner davantage par-dessus leur pension garantie, avec des cotisations de contrepartie ou des primes de rendement \u00e0 titre d\u2019incitatifs suppl\u00e9mentaires. <\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14760_b058c2-c9 .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-14760_b058c2-c9\"><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 : Utiliser un r\u00e9gime de retraite simplifi\u00e9 pour certains groupes<\/mark><br><\/strong>Dans certaines organisations, il peut \u00eatre avantageux d\u2019offrir un r\u00e9gime de retraite simplifi\u00e9 (RRS) \u00e0 de petits groupes d\u2019employ\u00e9s. Ce r\u00e9gime ne remplace pas le r\u00e9gime \u00e0 prestations d\u00e9termin\u00e9es, mais vient plut\u00f4t compl\u00e9ter la couverture l\u00e0 o\u00f9 le mod\u00e8le principal est moins adapt\u00e9. <\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14760_6e58a0-0f .kt-svg-icon-list-single{color:var(--global-palette1, #3182CE) !important;}.kt-svg-icon-list-item-14760_6e58a0-0f .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-14760_6e58a0-0f\"><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 3 : Combiner les prestations d\u00e9termin\u00e9es et les cotisations d\u00e9termin\u00e9es<\/mark><br><\/strong>Plut\u00f4t que de choisir entre r\u00e9gime \u00e0 prestations d\u00e9termin\u00e9es et r\u00e9gime \u00e0 cotisations d\u00e9termin\u00e9es, certaines entreprises offrent les deux. Par exemple, le r\u00e9gime \u00e0 prestations d\u00e9termin\u00e9es assure un revenu de base garanti, tandis qu\u2019un <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> permet aux employ\u00e9s d\u2019investir des sommes additionnelles. Ce mod\u00e8le mixte offre la stabilit\u00e9 d\u2019une prestation d\u00e9termin\u00e9e et la libert\u00e9 d\u2019une \u00e9pargne personnalis\u00e9e.  <\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14760_ce95ad-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-14760_ce95ad-dd\"><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 : Relier le r\u00e9gime de retraite \u00e0 un ensemble d\u2019avantages sociaux plus large<\/mark><br><\/strong>Associer un r\u00e9gime de retraite \u00e0 prestations d\u00e9termin\u00e9es \u00e0 des avantages tels que des assurances collectives, des plateformes de t\u00e9l\u00e9m\u00e9decine (comme Dialogue ou Telus Sant\u00e9) et des programmes de bien-\u00eatre renforce la valeur per\u00e7ue du package global. Les employ\u00e9s y voient un employeur investi \u00e0 la fois dans leur s\u00e9curit\u00e9 future et dans leur bien-\u00eatre quotidien. <\/span><\/li>\n<\/ul><\/div>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"why-integration-matters\">Pourquoi la combinaison est gagnante<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Empiler les avantages permet d\u2019offrir \u00e0 la fois une pension garantie et des options d\u2019\u00e9pargne flexibles. Pour l\u2019employeur, c\u2019est une mani\u00e8re de b\u00e2tir un programme d\u2019avantages sociaux complet qui favorise la fid\u00e9lisation et l\u2019attraction des talents, sans compromettre la stabilit\u00e9 du r\u00e9gime \u00e0 prestations d\u00e9termin\u00e9es au c\u0153ur du dispositif. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"partnering-with-experts-to-build-smarter-pension-strategies\">S\u2019entourer d\u2019experts pour b\u00e2tir une strat\u00e9gie de retraite solide<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Entre les exigences r\u00e9glementaires, les obligations de financement et la coordination entre plusieurs r\u00e9gimes, la mise en place d\u2019un r\u00e9gime de retraite \u00e0 prestations d\u00e9termin\u00e9es peut vite devenir complexe. C\u2019est l\u00e0 que TWINN intervient. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Chez Twinn, nous concevons et g\u00e9rons des programmes de retraite adapt\u00e9s \u00e0 la r\u00e9alit\u00e9 de votre entreprise, \u00e0 votre budget et \u00e0 vos objectifs \u00e0 long terme.<br>Nos experts vous accompagnent \u00e0 chaque \u00e9tape \u2014 du choix de l\u2019assureur jusqu\u2019\u00e0 la formation des employ\u00e9s. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Voici ce que nous offrons :<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items14760_241b9c-9e:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14760_241b9c-9e 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-sm, 1.5rem);}.wp-block-kadence-iconlist.kt-svg-icon-list-items14760_241b9c-9e ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14760_241b9c-9e ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items14760_241b9c-9e 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-items14760_241b9c-9e kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-14760_4e32b8-92 .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-14760_4e32b8-92\"><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 de r\u00e9gime :<\/strong> cr\u00e9ation d\u2019un r\u00e9gime \u00e0 prestations d\u00e9termin\u00e9es ou combinaison avec un REER collectif ou un RPDB.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14760_540a9d-f5 .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-14760_540a9d-f5\"><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> \u00e9quilibre entre les co\u00fbts de l\u2019employeur et la valeur offerte aux employ\u00e9s.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14760_fd5ccc-05 .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-14760_fd5ccc-05\"><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>Conformit\u00e9 :<\/strong> accompagnement face aux exigences f\u00e9d\u00e9rales et provinciales, y compris celles du Qu\u00e9bec.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14760_8b2214-20 .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-14760_8b2214-20\"><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> ajustement des cotisations et prestations selon les conditions \u00e9conomiques.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14760_e3cae3-a7 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14760_e3cae3-a7\"><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>\u00c9ducation financi\u00e8re : <\/strong>aider les employ\u00e9s \u00e0 comprendre comment la formule du r\u00e9gime \u00e0 prestations d\u00e9termin\u00e9es se traduit en revenu de retraite.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Avec Twinn, vous obtenez plus qu\u2019un r\u00e9gime de retraite \u2014 vous gagnez un partenaire strat\u00e9gique qui transforme la conformit\u00e9 en avantage concurrentiel et renforce la loyaut\u00e9 de vos employ\u00e9s. En savoir plus sur nos <a href=\"https:\/\/twinn.ca\/fr\/services\/regime-retraite-collectif\/\" data-type=\"link\" data-id=\"https:\/\/twinn.ca\/services\/group-retirement-plan-pension\/\">services de r\u00e9gimes collectifs de retraite et d\u2019\u00e9pargne.<\/a> <\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading14760_b5bea0-9d, .wp-block-kadence-advancedheading.kt-adv-heading14760_b5bea0-9d[data-kb-block=\"kb-adv-heading14760_b5bea0-9d\"]{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-heading14760_b5bea0-9d mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading14760_b5bea0-9d[data-kb-block=\"kb-adv-heading14760_b5bea0-9d\"] 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-heading14760_b5bea0-9d img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading14760_b5bea0-9d[data-kb-block=\"kb-adv-heading14760_b5bea0-9d\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading14760_b5bea0-9d wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading14760_b5bea0-9d\">Vous avez des questions? Nous avons les r\u00e9ponses. <\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Encore quelques doutes? <\/em>Voici des r\u00e9ponses rapides aux pr\u00e9occupations les plus fr\u00e9quentes des employeurs et des employ\u00e9s.<\/p>\n\n\n<style>.kb-row-layout-id14760_fccb4d-37 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id14760_fccb4d-37 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id14760_fccb4d-37 > .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-id14760_fccb4d-37 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id14760_fccb4d-37 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id14760_fccb4d-37 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id14760_fccb4d-37 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-column14760_657350-73 > .kt-inside-inner-col,.kadence-column14760_657350-73 > .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-column14760_657350-73 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14760_657350-73 > .kt-inside-inner-col{flex-direction:column;}.kadence-column14760_657350-73 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14760_657350-73 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14760_657350-73{position:relative;}@media all and (max-width: 1024px){.kadence-column14760_657350-73 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column14760_657350-73 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14760_657350-73 inner-column-1\"><div class=\"kt-inside-inner-col\">\n<div class=\"wp-block-wpsp-faq wpsp-faq__outer-wrap wpsp-block-776f3c6a 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-prestations-determinees\/\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"&lt;strong>&lt;strong>Un r\u00e9gime de retraite \u00e0 prestations d\u00e9termin\u00e9es, est-ce avantageux?&lt;\/strong>&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui. Il offre une s\u00e9curit\u00e9 et un revenu pr\u00e9visible \u00e0 la retraite, mais demande une gestion rigoureuse du financement du c\u00f4t\u00e9 de l\u2019employeur.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong>&lt;strong>Quel est le meilleur choix : r\u00e9gime \u00e0 cotisations d\u00e9termin\u00e9es ou \u00e0 prestations d\u00e9termin\u00e9es?&lt;\/strong>&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Tout d\u00e9pend des besoins. Le premier offre plus de flexibilit\u00e9, le second garantit un revenu fixe \u00e0 vie.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong>&lt;strong>Quels sont les inconv\u00e9nients d\u2019un r\u00e9gime \u00e0 prestations d\u00e9termin\u00e9es?&lt;\/strong>&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Ils peuvent \u00eatre co\u00fbteux \u00e0 maintenir, n\u00e9cessitent une conformit\u00e9 stricte et sont moins transf\u00e9rables pour les employ\u00e9s.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong>&lt;strong>Comment fonctionne un r\u00e9gime de retraite \u00e0 prestations d\u00e9termin\u00e9es au Canada?&lt;\/strong>&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Les employeurs assument la majeure partie du financement, parfois avec cotisation des employ\u00e9s. Les prestations sont calcul\u00e9es selon une formule li\u00e9e au salaire et aux ann\u00e9es de service, le tout encadr\u00e9 par des r\u00e8gles f\u00e9d\u00e9rales et provinciales.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong>&lt;strong>Quelle est la diff\u00e9rence entre un r\u00e9gime \u00e0 prestations d\u00e9termin\u00e9es et un REER?&lt;\/strong>&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Le premier garantit un revenu \u00e0 vie; le second d\u00e9pend des rendements de placement et des cotisations individuelles.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong>&lt;strong>Est-ce un r\u00e9gime propre au Canada?&lt;\/strong>&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Non, mais les r\u00e8gles canadiennes dictent la mani\u00e8re dont il est financ\u00e9 et administr\u00e9.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong>Peut-on transf\u00e9rer un r\u00e9gime \u00e0 prestations d\u00e9termin\u00e9es?&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Dans certains cas, un employ\u00e9 qui quitte son poste peut transf\u00e9rer la valeur acquise vers un &lt;strong>compte de retraite immobilis\u00e9&lt;\/strong>, selon la r\u00e9glementation provinciale.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong>Les revenus d\u2019un r\u00e9gime \u00e0 prestations d\u00e9termin\u00e9es sont-ils imposables?&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui, les rentes vers\u00e9es \u00e0 la retraite sont imposables, mais les cotisations et les rendements s\u2019accumulent \u00e0 l\u2019abri de l\u2019imp\u00f4t pendant la p\u00e9riode d\u2019activit\u00e9.\"}}]}<\/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-419a551f\"><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\"><strong><strong>Un r\u00e9gime de retraite \u00e0 prestations d\u00e9termin\u00e9es, est-ce avantageux?<\/strong><\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Oui. Il offre une s\u00e9curit\u00e9 et un revenu pr\u00e9visible \u00e0 la retraite, mais demande une gestion rigoureuse du financement du c\u00f4t\u00e9 de l\u2019employeur.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-79d92020\"><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\"><strong><strong>Quel est le meilleur choix : r\u00e9gime \u00e0 cotisations d\u00e9termin\u00e9es ou \u00e0 prestations d\u00e9termin\u00e9es?<\/strong><\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Tout d\u00e9pend des besoins. Le premier offre plus de flexibilit\u00e9, le second garantit un revenu fixe \u00e0 vie.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-cb1d49fa\"><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\"><strong><strong>Quels sont les inconv\u00e9nients d\u2019un r\u00e9gime \u00e0 prestations d\u00e9termin\u00e9es?<\/strong><\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Ils peuvent \u00eatre co\u00fbteux \u00e0 maintenir, n\u00e9cessitent une conformit\u00e9 stricte et sont moins transf\u00e9rables pour les employ\u00e9s.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-7ced55b2\"><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\"><strong><strong>Comment fonctionne un r\u00e9gime de retraite \u00e0 prestations d\u00e9termin\u00e9es au Canada?<\/strong><\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Les employeurs assument la majeure partie du financement, parfois avec cotisation des employ\u00e9s. Les prestations sont calcul\u00e9es selon une formule li\u00e9e au salaire et aux ann\u00e9es de service, le tout encadr\u00e9 par des r\u00e8gles f\u00e9d\u00e9rales et provinciales.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-fb9ad92b\"><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\"><strong><strong>Quelle est la diff\u00e9rence entre un r\u00e9gime \u00e0 prestations d\u00e9termin\u00e9es et un REER?<\/strong><\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Le premier garantit un revenu \u00e0 vie; le second d\u00e9pend des rendements de placement et des cotisations individuelles.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-f2ddef64\"><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\"><strong><strong>Est-ce un r\u00e9gime propre au Canada?<\/strong><\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Non, mais les r\u00e8gles canadiennes dictent la mani\u00e8re dont il est financ\u00e9 et administr\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-b4f1d813\"><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\"><strong>Peut-on transf\u00e9rer un r\u00e9gime \u00e0 prestations d\u00e9termin\u00e9es?<\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Dans certains cas, un employ\u00e9 qui quitte son poste peut transf\u00e9rer la valeur acquise vers un <strong>compte de retraite immobilis\u00e9<\/strong>, selon la r\u00e9glementation provinciale.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-d5d335fc\"><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\"><strong>Les revenus d\u2019un r\u00e9gime \u00e0 prestations d\u00e9termin\u00e9es sont-ils imposables?<\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Oui, les rentes vers\u00e9es \u00e0 la retraite sont imposables, mais les cotisations et les rendements s\u2019accumulent \u00e0 l\u2019abri de l\u2019imp\u00f4t pendant la p\u00e9riode d\u2019activit\u00e9.<\/p><\/span><\/div><\/div><\/div><\/div>\n<\/div><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id14760_1f06d2-2a{margin-top:var(--global-kb-spacing-sm, 1.5rem);margin-bottom:var(--global-kb-spacing-sm, 1.5rem);}.kb-row-layout-id14760_1f06d2-2a > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id14760_1f06d2-2a > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id14760_1f06d2-2a > .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 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.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-id14760_1f06d2-2a > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id14760_1f06d2-2a 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-column14760_6bf8a4-5f > .kt-inside-inner-col,.kadence-column14760_6bf8a4-5f > .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-column14760_6bf8a4-5f > 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.kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kadence-column14760_22b4fc-35 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14760_22b4fc-35 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column14760_22b4fc-35 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column14760_22b4fc-35{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14760_22b4fc-35{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14760_22b4fc-35 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column14760_22b4fc-35 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14760_22b4fc-35{text-align:left;}.kadence-column14760_22b4fc-35{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column14760_22b4fc-35{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-column14760_22b4fc-35{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14760_22b4fc-35 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 1024px){.kadence-column14760_22b4fc-35 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column14760_22b4fc-35{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14760_22b4fc-35{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14760_22b4fc-35 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column14760_22b4fc-35 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14760_22b4fc-35 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-heading14760_fffa13-e0, .wp-block-kadence-advancedheading.kt-adv-heading14760_fffa13-e0[data-kb-block=\"kb-adv-heading14760_fffa13-e0\"]{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-heading14760_fffa13-e0 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading14760_fffa13-e0[data-kb-block=\"kb-adv-heading14760_fffa13-e0\"] 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-heading14760_fffa13-e0 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading14760_fffa13-e0[data-kb-block=\"kb-adv-heading14760_fffa13-e0\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading14760_fffa13-e0, .wp-block-kadence-advancedheading.kt-adv-heading14760_fffa13-e0[data-kb-block=\"kb-adv-heading14760_fffa13-e0\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading14760_fffa13-e0, .wp-block-kadence-advancedheading.kt-adv-heading14760_fffa13-e0[data-kb-block=\"kb-adv-heading14760_fffa13-e0\"]{text-align:center!important;}}<\/style>\n<h4 class=\"kt-adv-heading14760_fffa13-e0 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading14760_fffa13-e0\">Pr\u00eat \u00e0 b\u00e2tir le bon r\u00e9gime pour votre entreprise?<\/h4>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading14760_5c54e3-2e, .wp-block-kadence-advancedheading.kt-adv-heading14760_5c54e3-2e[data-kb-block=\"kb-adv-heading14760_5c54e3-2e\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading14760_5c54e3-2e mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading14760_5c54e3-2e[data-kb-block=\"kb-adv-heading14760_5c54e3-2e\"] 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-heading14760_5c54e3-2e img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading14760_5c54e3-2e[data-kb-block=\"kb-adv-heading14760_5c54e3-2e\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading14760_5c54e3-2e, .wp-block-kadence-advancedheading.kt-adv-heading14760_5c54e3-2e[data-kb-block=\"kb-adv-heading14760_5c54e3-2e\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading14760_5c54e3-2e, .wp-block-kadence-advancedheading.kt-adv-heading14760_5c54e3-2e[data-kb-block=\"kb-adv-heading14760_5c54e3-2e\"]{text-align:center!important;}}<\/style>\n<p class=\"kt-adv-heading14760_5c54e3-2e wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading14760_5c54e3-2e\">Que vous souhaitiez mettre en place un r\u00e9gime de retraite \u00e0 prestations d\u00e9termin\u00e9es ou simplement comparer vos options, nos conseillers peuvent vous aider \u00e0 \u00e9laborer et administrer un programme sans tracas.<\/p>\n<\/div><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column14760_bf0955-ea > .kt-inside-inner-col{display:flex;}.kadence-column14760_bf0955-ea > .kt-inside-inner-col,.kadence-column14760_bf0955-ea > .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-column14760_bf0955-ea > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14760_bf0955-ea > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column14760_bf0955-ea > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column14760_bf0955-ea{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14760_bf0955-ea{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14760_bf0955-ea > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column14760_bf0955-ea > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14760_bf0955-ea{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column14760_bf0955-ea{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14760_bf0955-ea{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14760_bf0955-ea > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column14760_bf0955-ea > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column14760_bf0955-ea{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14760_bf0955-ea{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14760_bf0955-ea > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column14760_bf0955-ea > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14760_bf0955-ea\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading14760_9d9fea-1a, .wp-block-kadence-advancedheading.kt-adv-heading14760_9d9fea-1a[data-kb-block=\"kb-adv-heading14760_9d9fea-1a\"]{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-heading14760_9d9fea-1a[data-kb-block=\"kb-adv-heading14760_9d9fea-1a\"]{display:flex;gap:0.25em;justify-content:center;align-items:center;}.wp-block-kadence-advancedheading.kt-adv-heading14760_9d9fea-1a[data-kb-block=\"kb-adv-heading14760_9d9fea-1a\"] .kb-adv-heading-icon svg{width:1em;height:1em;}.wp-block-kadence-advancedheading.kt-adv-heading14760_9d9fea-1a[data-kb-block=\"kb-adv-heading14760_9d9fea-1a\"] .kb-adv-heading-icon{color:var(--global-palette1, #3182CE);}.wp-block-kadence-advancedheading.kt-adv-heading14760_9d9fea-1a mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading14760_9d9fea-1a[data-kb-block=\"kb-adv-heading14760_9d9fea-1a\"] 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-heading14760_9d9fea-1a img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading14760_9d9fea-1a[data-kb-block=\"kb-adv-heading14760_9d9fea-1a\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading14760_9d9fea-1a, .wp-block-kadence-advancedheading.kt-adv-heading14760_9d9fea-1a[data-kb-block=\"kb-adv-heading14760_9d9fea-1a\"]{text-align:center!important;}}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading14760_9d9fea-1a[data-kb-block=\"kb-adv-heading14760_9d9fea-1a\"]{justify-content:center;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading14760_9d9fea-1a, .wp-block-kadence-advancedheading.kt-adv-heading14760_9d9fea-1a[data-kb-block=\"kb-adv-heading14760_9d9fea-1a\"]{padding-bottom:0px;text-align:center!important;}.wp-block-kadence-advancedheading.kt-adv-heading14760_9d9fea-1a[data-kb-block=\"kb-adv-heading14760_9d9fea-1a\"]{justify-content:center;}}<\/style><p class=\"kt-adv-heading14760_9d9fea-1a wp-block-kadence-advancedheading kt-adv-heading-has-icon\" data-kb-block=\"kb-adv-heading14760_9d9fea-1a\"><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-btns14760_af5e75-a2{gap:var(--global-kb-gap-xs, 0.5rem );justify-content:center;align-items:center;}.kt-btns14760_af5e75-a2 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Le r\u00e9gime de retraite \u00e0 prestations d\u00e9termin\u00e9es vient apaiser&#8230;<\/p>\n","protected":false},"author":15,"featured_media":14662,"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-14760","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\/employer-learning-about-db-plans-1024x684.webp",1024,684,true],"author_info":{"display_name":"Rafat Haque","author_link":"https:\/\/twinn.ca\/fr\/author\/rafat-haque\/"},"comment_info":0,"category_info":[{"term_id":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\/14760","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=14760"}],"version-history":[{"count":0,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/posts\/14760\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/media\/14662"}],"wp:attachment":[{"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/media?parent=14760"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/categories?post=14760"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/tags?post=14760"},{"taxonomy":"post_folder","embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/post_folder?post=14760"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}