{"id":14768,"date":"2025-09-24T22:13:07","date_gmt":"2025-09-25T03:13:07","guid":{"rendered":"https:\/\/twinn.ca\/?p=14768"},"modified":"2025-10-13T21:03:58","modified_gmt":"2025-10-14T02:03:58","slug":"regime-cotisation-determinee","status":"publish","type":"post","link":"https:\/\/twinn.ca\/fr\/regime-cotisation-determinee\/","title":{"rendered":"R\u00e9gime \u00e0 cotisation d\u00e9termin\u00e9e expliqu\u00e9 aux employeurs"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Pour un grand nombre d\u2019employeurs, trouver l\u2019\u00e9quilibre entre ma\u00eetrise des co\u00fbts et avantages-retraite attractifs est un d\u00e9fi. Un r\u00e9gime \u00e0 cotisation d\u00e9termin\u00e9e peut offrir une solution efficace. Imaginez une entreprise technologique en pleine expansion \u00e0 Toronto, qui cherche \u00e0 retenir ses meilleurs d\u00e9veloppeurs face \u00e0 la concurrence. Proposer un r\u00e9gime de retraite devient alors un v\u00e9ritable levier. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ce type de r\u00e9gime offre aux employeurs une meilleure pr\u00e9visibilit\u00e9 des co\u00fbts, tout en laissant aux employ\u00e9s la libert\u00e9 de g\u00e9rer leur \u00e9pargne. Cet article d\u00e9taille leur fonctionnement, leur r\u00f4le dans les avantages collectifs et les points \u00e0 conna\u00eetre avant leur mise en place.<\/p>\n\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id14768_ec8fb6-cb{margin-bottom:var(--global-kb-spacing-sm, 1.5rem);}.kb-row-layout-id14768_ec8fb6-cb > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id14768_ec8fb6-cb > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id14768_ec8fb6-cb > .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, 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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-id14768_ec8fb6-cb{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-id14768_ec8fb6-cb > .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-id14768_ec8fb6-cb{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-id14768_ec8fb6-cb 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-column14768_d27871-5c > .kt-inside-inner-col,.kadence-column14768_d27871-5c > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column14768_d27871-5c > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14768_d27871-5c > .kt-inside-inner-col{flex-direction:column;}.kadence-column14768_d27871-5c > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14768_d27871-5c > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14768_d27871-5c{position:relative;}@media all and (max-width: 1024px){.kadence-column14768_d27871-5c > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column14768_d27871-5c > .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-column14768_d27871-5c\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading14768_c73861-51, .wp-block-kadence-advancedheading.kt-adv-heading14768_c73861-51[data-kb-block=\"kb-adv-heading14768_c73861-51\"]{text-align:left;font-style:normal;color:#020202;border-left:20px solid transparent;}.wp-block-kadence-advancedheading.kt-adv-heading14768_c73861-51 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading14768_c73861-51[data-kb-block=\"kb-adv-heading14768_c73861-51\"] 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-heading14768_c73861-51 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading14768_c73861-51[data-kb-block=\"kb-adv-heading14768_c73861-51\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading14768_c73861-51, .wp-block-kadence-advancedheading.kt-adv-heading14768_c73861-51[data-kb-block=\"kb-adv-heading14768_c73861-51\"]{border-left:20px solid transparent;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading14768_c73861-51, .wp-block-kadence-advancedheading.kt-adv-heading14768_c73861-51[data-kb-block=\"kb-adv-heading14768_c73861-51\"]{border-left:20px solid transparent;}}<\/style>\n<h3 class=\"kt-adv-heading14768_c73861-51 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading14768_c73861-51\">Points Cl\u00e9s<\/h3>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items14768_9a57a2-70:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14768_9a57a2-70 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-items14768_9a57a2-70 ul.kt-svg-icon-list{grid-row-gap:20px;}.kt-svg-icon-list-items14768_9a57a2-70 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-items14768_9a57a2-70 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-14768_f9b61d-cb .kt-svg-icon-list-single{color:var(--global-palette2, #2B6CB0) !important;}.kt-svg-icon-list-item-14768_f9b61d-cb .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-14768_f9b61d-cb\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Un r\u00e9gime \u00e0 cotisation d\u00e9termin\u00e9e permet aux employeurs de pr\u00e9voir leurs co\u00fbts tout en offrant aux employ\u00e9s une \u00e9pargne flexible.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14768_ac8887-a7 .kt-svg-icon-list-single{color:var(--global-palette2, #2B6CB0) !important;}.kt-svg-icon-list-item-14768_ac8887-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-14768_ac8887-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\">Cotisations de l\u2019employeur et de l\u2019employ\u00e9 : la croissance d\u00e9pend des choix de placement.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14768_3c65ee-f7 .kt-svg-icon-list-single{color:var(--global-palette2, #2B6CB0) !important;}.kt-svg-icon-list-item-14768_3c65ee-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-14768_3c65ee-f7\"><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\">Portabilit\u00e9 : l\u2019\u00e9pargne suit l\u2019employ\u00e9 lorsqu\u2019il change d\u2019emploi.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14768_ac891c-23 .kt-svg-icon-list-single{color:var(--global-palette2, #2B6CB0) !important;}.kt-svg-icon-list-item-14768_ac891c-23 .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-14768_ac891c-23\"><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\">Avantages fiscaux pour les deux parties, sous r\u00e9serve de limites de cotisation.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14768_b568d1-65 .kt-svg-icon-list-single{color:var(--global-palette2, #2B6CB0) !important;}.kt-svg-icon-list-item-14768_b568d1-65 .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-14768_b568d1-65\"><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\">Associer ce r\u00e9gime \u00e0 d\u2019autres avantages (REER collectif, programme de bien-\u00eatre) renforce l\u2019attractivit\u00e9 globale.<\/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-contribution-pension-plan\">Qu\u2019est-ce qu\u2019un r\u00e9gime \u00e0 cotisation d\u00e9termin\u00e9e ?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Au Canada, un r\u00e9gime \u00e0 cotisation d\u00e9termin\u00e9e est un programme d\u2019\u00e9pargne-retraite propos\u00e9 par l\u2019employeur, qui verse un montant fixe ou un pourcentage du salaire dans un compte d\u00e9di\u00e9. L\u2019employ\u00e9 peut aussi y contribuer. Le capital disponible \u00e0 la retraite d\u00e9pend des cotisations accumul\u00e9es et des performances des placements. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ce r\u00e9gime s\u2019int\u00e8gre facilement dans une strat\u00e9gie d\u2019avantages collectifs, car il offre aux employeurs une gestion pr\u00e9visible des co\u00fbts, tout en donnant aux employ\u00e9s le contr\u00f4le de leur \u00e9pargne. Contrairement au <g id=\"gid_0\"><a href=\"https:\/\/twinn.ca\/fr\/regime-retraite-prestations-determinees\/\">r\u00e9gime \u00e0 prestations d\u00e9termin\u00e9es<\/a><\/g>, o\u00f9 les versements sont garantis, le r\u00e9gime \u00e0 cotisation d\u00e9termin\u00e9e repose sur les contributions et les rendements. Ce contraste illustre bien le concept de cotisation d\u00e9termin\u00e9e vs prestation d\u00e9termin\u00e9e. Pour les entreprises aux revenus variables, la stabilit\u00e9 financi\u00e8re offerte par ce type de r\u00e9gime est un atout important.<\/p>\n\n\n<style>.kb-image14768_ba661a-4a .kb-image-has-overlay:after{opacity:0.3;}<\/style>\n<figure class=\"wp-block-kadence-image kb-image14768_ba661a-4a size-full\"><img decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/09\/team-and-employer-contributing-to-financial-security-with-defined-contribution-pension-plan.webp\" alt=\"Image repr\u00e9sentant la contribution partag\u00e9e entre employeur et employ\u00e9 \u00e0 un r\u00e9gime \u00e0 cotisation d\u00e9termin\u00e9e\" class=\"kb-img wp-image-14679\" srcset=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/09\/team-and-employer-contributing-to-financial-security-with-defined-contribution-pension-plan.webp 1000w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/09\/team-and-employer-contributing-to-financial-security-with-defined-contribution-pension-plan-300x200.webp 300w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/09\/team-and-employer-contributing-to-financial-security-with-defined-contribution-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-contribution-pension-plan\">Pourquoi opter pour un r\u00e9gime \u00e0 cotisation d\u00e9termin\u00e9e ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Certaines entreprises cherchent avant tout la stabilit\u00e9, d\u2019autres doivent composer avec des marges variables. Le r\u00e9gime \u00e0 cotisation d\u00e9termin\u00e9e est particuli\u00e8rement adapt\u00e9 aux petites et moyennes entreprises souhaitant attirer et retenir les talents, tout en ma\u00eetrisant leurs engagements \u00e0 long terme.<\/p>\n\n\n<style>.kb-row-layout-id14768_43c2de-33 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id14768_43c2de-33 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id14768_43c2de-33 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-lg, 3rem);}.kb-row-layout-id14768_43c2de-33 > .kt-row-column-wrap > div:not(.added-for-specificity){grid-column:initial;}.kb-row-layout-id14768_43c2de-33 > .kt-row-column-wrap{grid-template-columns:repeat(2, minmax(0, 1fr));}.kb-row-layout-id14768_43c2de-33 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id14768_43c2de-33 > .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-id14768_43c2de-33 > .kt-row-column-wrap > div:not(.added-for-specificity){grid-column:initial;}}@media all and (max-width: 767px){.kb-row-layout-id14768_43c2de-33 > .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-id14768_43c2de-33 > .kt-row-column-wrap > div:not(.added-for-specificity){grid-column:initial;}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id14768_43c2de-33 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-column14768_75ff35-45 > .kt-inside-inner-col{display:flex;}.kadence-column14768_75ff35-45 > .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-column14768_75ff35-45 > .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-column14768_75ff35-45 > .kt-inside-inner-col,.kadence-column14768_75ff35-45 > .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-column14768_75ff35-45 > .kt-inside-inner-col{row-gap:var(--global-kb-gap-sm, 1rem);column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14768_75ff35-45 > .kt-inside-inner-col{flex-direction:column;}.kadence-column14768_75ff35-45 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14768_75ff35-45 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14768_75ff35-45{position:relative;}@media all and (max-width: 1024px){.kadence-column14768_75ff35-45 > .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:center;}}@media all and (max-width: 767px){.kadence-column14768_75ff35-45 > .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:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14768_75ff35-45\"><div class=\"kt-inside-inner-col\">\n<h4 class=\"wp-block-heading has-text-align-center\" id=\"previsibilite-des-couts\" style=\"font-size:20px\"><strong><strong>Pr\u00e9visibilit\u00e9 des co\u00fbts<\/strong><\/strong><\/h4>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Les cotisations sont fixes ou bas\u00e9es sur une formule claire, ce qui \u00e9vite les mauvaises surprises li\u00e9es \u00e0 une hausse impr\u00e9vue des co\u00fbts.<\/p>\n<\/div><\/div>\n\n\n<style>.kadence-column14768_4a3cd7-e1 > .kt-inside-inner-col{display:flex;}.kadence-column14768_4a3cd7-e1 > .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-column14768_4a3cd7-e1 > .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-column14768_4a3cd7-e1 > .kt-inside-inner-col,.kadence-column14768_4a3cd7-e1 > .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-column14768_4a3cd7-e1 > .kt-inside-inner-col{row-gap:var(--global-kb-gap-sm, 1rem);column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14768_4a3cd7-e1 > .kt-inside-inner-col{flex-direction:column;}.kadence-column14768_4a3cd7-e1 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14768_4a3cd7-e1 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14768_4a3cd7-e1{position:relative;}@media all and (max-width: 1024px){.kadence-column14768_4a3cd7-e1 > .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:center;}}@media all and (max-width: 767px){.kadence-column14768_4a3cd7-e1 > .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:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14768_4a3cd7-e1\"><div class=\"kt-inside-inner-col\">\n<h4 class=\"wp-block-heading has-text-align-center\" id=\"flexibilite-du-regime\" style=\"font-size:20px\"><strong><strong><strong>Flexibilit\u00e9 du r\u00e9gime<\/strong><\/strong><\/strong><\/h4>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">L\u2019employeur peut d\u00e9finir les modalit\u00e9s de cotisation : montant fixe, cotisation \u00e9quivalente ou \u00e9chelonn\u00e9e selon le poste. Cela facilite l\u2019adaptation aux besoins de l\u2019entreprise tout en offrant un avantage retraite comp\u00e9titif.<\/p>\n<\/div><\/div>\n\n\n<style>.kadence-column14768_871b68-27 > .kt-inside-inner-col{display:flex;}.kadence-column14768_871b68-27 > .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-column14768_871b68-27 > .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-column14768_871b68-27 > .kt-inside-inner-col,.kadence-column14768_871b68-27 > .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-column14768_871b68-27 > .kt-inside-inner-col{row-gap:var(--global-kb-gap-sm, 1rem);column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14768_871b68-27 > .kt-inside-inner-col{flex-direction:column;}.kadence-column14768_871b68-27 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14768_871b68-27 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14768_871b68-27{position:relative;}@media all and (max-width: 1024px){.kadence-column14768_871b68-27 > .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:center;}}@media all and (max-width: 767px){.kadence-column14768_871b68-27 > .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:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14768_871b68-27\"><div class=\"kt-inside-inner-col\">\n<h4 class=\"wp-block-heading has-text-align-center\" id=\"attirer-les-talents-face-a-la-concurrence\" style=\"font-size:20px\"><strong><strong><strong><strong>Attirer les talents face \u00e0 la concurrence<\/strong><\/strong><\/strong><\/strong><\/h4>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Proposer un r\u00e9gime de retraite \u2014 m\u00eame sans garantie de versement pr\u00e9cis \u2014 d\u00e9montre l\u2019engagement de l\u2019entreprise envers la s\u00e9curit\u00e9 financi\u00e8re de ses employ\u00e9s.<\/p>\n<\/div><\/div>\n\n\n<style>.kadence-column14768_bdd7fe-01 > .kt-inside-inner-col{display:flex;}.kadence-column14768_bdd7fe-01 > .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-column14768_bdd7fe-01 > .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-column14768_bdd7fe-01 > .kt-inside-inner-col,.kadence-column14768_bdd7fe-01 > .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-column14768_bdd7fe-01 > .kt-inside-inner-col{row-gap:var(--global-kb-gap-sm, 1rem);column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14768_bdd7fe-01 > .kt-inside-inner-col{flex-direction:column;}.kadence-column14768_bdd7fe-01 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14768_bdd7fe-01 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14768_bdd7fe-01{position:relative;}@media all and (max-width: 1024px){.kadence-column14768_bdd7fe-01 > .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:center;}}@media all and (max-width: 767px){.kadence-column14768_bdd7fe-01 > .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:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14768_bdd7fe-01\"><div class=\"kt-inside-inner-col\">\n<h4 class=\"wp-block-heading has-text-align-center\" id=\"responsabilite-partagee-avec-les-employes\" style=\"font-size:20px\"><strong><strong><strong><strong><strong>Responsabilit\u00e9 partag\u00e9e avec les employ\u00e9s<\/strong><\/strong><\/strong><\/strong><\/strong><\/h4>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">La cotisation conjointe cr\u00e9e un sentiment d\u2019implication. Les employ\u00e9s investissent directement dans leur avenir, ce qui favorise leur engagement envers le r\u00e9gime.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<h4 class=\"wp-block-heading\" id=\"and-how-do-employees-benefit\">Avantages pour l\u2019employ\u00e9<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Pour l\u2019employ\u00e9, ce r\u00e9gime offre une r\u00e9elle autonomie. Il choisit ses placements, pouvant privil\u00e9gier la s\u00e9curit\u00e9 avec des obligations ou viser une croissance plus importante avec des actions. Sur le long terme, cette libert\u00e9 peut g\u00e9n\u00e9rer un gain consid\u00e9rable, surtout pour les jeunes travailleurs disposant de nombreuses ann\u00e9es pour faire fructifier leur \u00e9pargne.   <\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"how-do-defined-contribution-pension-plans-work\">Comment fonctionne un r\u00e9gime \u00e0 cotisation d\u00e9termin\u00e9e ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">En substance, un r\u00e9gime \u00e0 cotisation d\u00e9termin\u00e9e est simple, mais quelques \u00e9l\u00e9ments cl\u00e9s expliquent son efficacit\u00e9 :<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items14768_41d93b-4d:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14768_41d93b-4d 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-items14768_41d93b-4d ul.kt-svg-icon-list{grid-row-gap:26px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14768_41d93b-4d .kb-svg-icon-wrap{font-size:20px;color:var(--global-palette4, #2D3748);}.wp-block-kadence-iconlist.kt-svg-icon-list-items14768_41d93b-4d ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items14768_41d93b-4d 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-items14768_41d93b-4d: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-items14768_41d93b-4d: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-items14768_41d93b-4d: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-items14768_41d93b-4d kt-svg-icon-list-columns-2 alignnone kt-list-icon-aligntop\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-14768_032daa-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-14768_032daa-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>Employeurs et employ\u00e9s versent chacun une part, g\u00e9n\u00e9ralement calcul\u00e9e en pourcentage du salaire. Ce syst\u00e8me garantit l\u2019\u00e9quit\u00e9 et permet \u00e0 l\u2019employeur de pr\u00e9voir ses co\u00fbts.  <\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14768_0e4d9f-de .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-14768_0e4d9f-de\"><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>Le mod\u00e8le \u201ccotisation d\u00e9termin\u00e9e\u201d est plus simple \u00e0 g\u00e9rer qu\u2019un r\u00e9gime \u00e0 prestations d\u00e9termin\u00e9es. L\u2019employeur collabore avec un administrateur de r\u00e9gime pour g\u00e9rer la paperasse, la conformit\u00e9 et les rapports, ce qui permet de consacrer plus de temps \u00e0 d\u2019autres priorit\u00e9s. <\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14768_c636bf-46 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14768_c636bf-46\"><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 investissements<\/strong><br><\/mark>Les cotisations sont regroup\u00e9es et investies par le fournisseur du r\u00e9gime, souvent un assureur comme Sun Life, Manuvie, Canada Vie ou RBC Assurances. Les employ\u00e9s choisissent parmi une s\u00e9lection de placements propos\u00e9s, tandis que le fournisseur se charge de la gestion, \u00e9vitant ainsi \u00e0 l\u2019employ\u00e9 d\u2019\u00eatre un expert financier. <\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14768_01855b-55 .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-14768_01855b-55\"><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><\/mark><br>Que devient un r\u00e9gime \u00e0 cotisation d\u00e9termin\u00e9e lorsqu\u2019un employ\u00e9 quitte l\u2019entreprise\u202f? Contrairement \u00e0 certains r\u00e9gimes qui enferment l\u2019\u00e9pargne, le DCPP offre flexibilit\u00e9 aux deux parties. L\u2019employ\u00e9 conserve ses cotisations ainsi que celles vers\u00e9es par l\u2019employeur.  <\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Voici comment cela se d\u00e9roule :<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Employeur et employ\u00e9 conviennent d\u2019un niveau de cotisation.<\/li>\n\n\n\n<li>Les fonds sont vers\u00e9s r\u00e9guli\u00e8rement dans le compte de l\u2019employ\u00e9.<\/li>\n\n\n\n<li>Les cotisations sont regroup\u00e9es et investies selon les choix de l\u2019employ\u00e9.<\/li>\n\n\n\n<li>\u00c0 la retraite, l\u2019\u00e9pargne accumul\u00e9e et les gains d\u2019investissement sont disponibles pour l\u2019employ\u00e9.<\/li>\n<\/ol>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><em>Exemple :<\/em> un employ\u00e9 gagnant 60\u202f000\u202f$ par an avec un employeur qui contribue 5\u202f% (3\u202f000\u202f$) et un employ\u00e9 qui contribue aussi 5\u202f% (3\u202f000\u202f$) verra 6\u202f000\u202f$ ajout\u00e9s chaque ann\u00e9e. Avec un rendement annuel moyen de 6\u202f% sur 25\u202fans, il pourrait accumuler pr\u00e8s de 350\u202f000\u202f$ \u00e0 la retraite. C\u2019est la force des contributions r\u00e9guli\u00e8res, d\u2019une gestion professionnelle et de la croissance compos\u00e9e.   <\/p>\n<\/blockquote>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"tax-requirements-for-defined-contribution-pension-plans\">Exigences fiscales pour un r\u00e9gime \u00e0 cotisation d\u00e9termin\u00e9e<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Un r\u00e9gime \u00e0 cotisation d\u00e9termin\u00e9e offre des avantages fiscaux, encadr\u00e9s par des r\u00e8gles claires :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li style=\"line-height:1.7\"><strong>Cotisations de l\u2019employeur\u202f: <\/strong>d\u00e9ductibles d\u2019imp\u00f4t comme d\u00e9pense d\u2019entreprise, r\u00e9duisant le revenu imposable.<\/li>\n\n\n\n<li style=\"line-height:1.7\"><strong>Cotisations de l\u2019employ\u00e9\u202f:<\/strong> faites avant imp\u00f4t, r\u00e9duisant le revenu imposable de l\u2019ann\u00e9e.<\/li>\n\n\n\n<li style=\"line-height:1.7\"><strong>Plafonds de cotisation\u202f: <\/strong>en 2025, les cotisations combin\u00e9es (employeur + employ\u00e9) ne doivent pas d\u00e9passer\u202f:\n<ul class=\"wp-block-list\">\n<li>18\u202f% du revenu gagn\u00e9<\/li>\n\n\n\n<li>30\u202f780\u202f$ (<a href=\"https:\/\/www.canada.ca\/fr\/agence-revenu\/services\/impot\/administrateurs-regimes-enregistres\/fesp\/plafonds-cd-reer-rpdb-celi-mgap.html\" data-type=\"link\" data-id=\"https:\/\/www.canada.ca\/fr\/agence-revenu\/services\/impot\/administrateurs-regimes-enregistres\/fesp\/plafonds-cd-reer-rpdb-celi-mgap.html\" target=\"_blank\" rel=\"noopener\">maximum \u00e9tabli par l\u2019ARC)<\/a><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li style=\"line-height:1.7\"><strong>Retraits \u00e0 la retraite\u202f:<\/strong> impos\u00e9s comme un revenu ordinaire, similaire aux retraits d\u2019un REER.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Ces r\u00e8gles rendent le DCPP rentable pour l\u2019employeur, avantageux fiscalement pour l\u2019employ\u00e9, tout en simplifiant la conformit\u00e9.<\/p>\n\n\n<style>.kb-image14768_b0b155-bc .kb-image-has-overlay:after{opacity:0.3;}<\/style>\n<figure class=\"wp-block-kadence-image kb-image14768_b0b155-bc size-full\"><img decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/09\/business-people-video-call-meeting.webp\" alt=\"\" class=\"kb-img wp-image-14681\" srcset=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/09\/business-people-video-call-meeting.webp 1000w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/09\/business-people-video-call-meeting-300x200.webp 300w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/09\/business-people-video-call-meeting-768x512.webp 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"types-of-defined-contribution-pension-plans\">Types de r\u00e9gimes \u00e0 cotisation d\u00e9termin\u00e9e<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Tous les r\u00e9gimes \u00e0 cotisation d\u00e9termin\u00e9e ne se valent pas. Selon la taille, le budget et les besoins de votre entreprise, certains mod\u00e8les seront plus adapt\u00e9s\u202f:  <\/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 r\u00e9gime<\/th><th>Fonctionnement<\/th><th>Id\u00e9al pour<\/th><\/tr><\/thead><tbody><tr><td><strong>R\u00e9gime d\u2019achat de rente (Money Purchase Pension Plan &#8211; MPPP)<\/strong><\/td><td>L\u2019employeur verse un pourcentage fixe du salaire ; l\u2019employ\u00e9 peut aussi cotiser, souvent avec une cotisation \u00e9quivalente. Les cotisations croissent avec les rendements. <\/td><td>Entreprises recherchant simplicit\u00e9 et pr\u00e9visibilit\u00e9.<\/td><\/tr><tr><td><strong>REER collectif<\/strong><\/td><td>Cotisations de l\u2019employ\u00e9 avant imp\u00f4t via la paie ; l\u2019employeur peut faire correspondre. Moins d\u2019administration qu\u2019un r\u00e9gime traditionnel. <\/td><td>Employeurs souhaitant flexibilit\u00e9 avec peu de gestion.<\/td><\/tr><tr><td><strong>R\u00e9gime de pension agr\u00e9\u00e9 collectif (RPAC) \/<a href=\"https:\/\/www.rrq.gouv.qc.ca\/fr\/retraite\/rver\/Pages\/rver.aspx\" data-type=\"link\" data-id=\"https:\/\/www.rrq.gouv.qc.ca\/fr\/retraite\/rver\/Pages\/rver.aspx\" target=\"_blank\" rel=\"noopener\"> VRSP (Qu\u00e9bec)<\/a><\/strong><\/td><td>Les cotisations sont regroup\u00e9es avec celles d\u2019autres employeurs, r\u00e9duisant co\u00fbts et gestion. Gestion centralis\u00e9e des placements. <\/td><td>Petites entreprises ou celles voulant un r\u00e9gime simple.<\/td><\/tr><tr><td><strong>R\u00e9gime \u00e0 prestations cibles (Target Benefit Pension Plan &#8211; TBPP)<\/strong><\/td><td>L\u2019employeur verse un montant fixe visant un niveau de prestation \u00e0 la retraite. Les versements d\u00e9pendent des performances. <\/td><td>Employeurs voulant des prestations pr\u00e9visibles sans complexit\u00e9 DBPP.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"choosing-the-right-plan\" style=\"font-size:25px\">Choisir le bon r\u00e9gime<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Lors du choix d\u2019un r\u00e9gime \u00e0 cotisation d\u00e9termin\u00e9e, plusieurs facteurs doivent \u00eatre pris en compte :<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items14768_e9efde-b6:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14768_e9efde-b6 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-items14768_e9efde-b6 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14768_e9efde-b6 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items14768_e9efde-b6 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-items14768_e9efde-b6 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-14768_245645-a2 .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-14768_245645-a2 kt-svg-icon-list-level-1\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_arrow-right kt-svg-icon-list-single\"><svg viewBox=\"0 0 448 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Taille et perspectives de croissance de l\u2019entreprise<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14768_273c12-04 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14768_273c12-04 kt-svg-icon-list-level-1\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_arrow-right kt-svg-icon-list-single\"><svg viewBox=\"0 0 448 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Profil et besoins des employ\u00e9s<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14768_72c11a-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-14768_72c11a-ba kt-svg-icon-list-level-1\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_arrow-right kt-svg-icon-list-single\"><svg viewBox=\"0 0 448 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Capacit\u00e9 administrative<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14768_58cb5b-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-14768_58cb5b-4f kt-svg-icon-list-level-1\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_arrow-right kt-svg-icon-list-single\"><svg viewBox=\"0 0 448 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Flexibilit\u00e9 budg\u00e9taire<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14768_f929a9-8c .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-14768_f929a9-8c kt-svg-icon-list-level-1\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_arrow-right kt-svg-icon-list-single\"><svg viewBox=\"0 0 448 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Exigences r\u00e9glementaires<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Travailler avec un conseiller en avantages sociaux et un fournisseur de confiance, comme Sun Life, Manuvie, Canada Vie ou RBC Assurances, peut faciliter ce choix et aider \u00e0 s\u00e9lectionner le r\u00e9gime le mieux adapt\u00e9 \u00e0 votre entreprise.<\/p>\n\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id14768_720123-92{margin-top:var(--global-kb-spacing-sm, 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kb-row-layout-id14768_720123-92 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-column14768_5f844b-68 > .kt-inside-inner-col,.kadence-column14768_5f844b-68 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column14768_5f844b-68 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14768_5f844b-68 > .kt-inside-inner-col{flex-direction:column;}.kadence-column14768_5f844b-68 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14768_5f844b-68 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14768_5f844b-68{position:relative;}@media all and (max-width: 1024px){.kadence-column14768_5f844b-68 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column14768_5f844b-68 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14768_5f844b-68\"><div class=\"kt-inside-inner-col\"><style>.kadence-column14768_49c999-4e > .kt-inside-inner-col{display:flex;}#wrapper.site{overflow:clip;}.kadence-column14768_49c999-4e{--kb-section-setting-offset:90px;}.kadence-column14768_49c999-4e > .kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kadence-column14768_49c999-4e > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14768_49c999-4e > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column14768_49c999-4e > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column14768_49c999-4e{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14768_49c999-4e{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14768_49c999-4e > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column14768_49c999-4e > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14768_49c999-4e{text-align:left;}.kadence-column14768_49c999-4e{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column14768_49c999-4e{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-column14768_49c999-4e{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14768_49c999-4e > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 1024px){.kadence-column14768_49c999-4e > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column14768_49c999-4e{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14768_49c999-4e{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14768_49c999-4e > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column14768_49c999-4e > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14768_49c999-4e 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-heading14768_daa4c6-04, .wp-block-kadence-advancedheading.kt-adv-heading14768_daa4c6-04[data-kb-block=\"kb-adv-heading14768_daa4c6-04\"]{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-heading14768_daa4c6-04 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading14768_daa4c6-04[data-kb-block=\"kb-adv-heading14768_daa4c6-04\"] 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-heading14768_daa4c6-04 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading14768_daa4c6-04[data-kb-block=\"kb-adv-heading14768_daa4c6-04\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading14768_daa4c6-04, .wp-block-kadence-advancedheading.kt-adv-heading14768_daa4c6-04[data-kb-block=\"kb-adv-heading14768_daa4c6-04\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading14768_daa4c6-04, .wp-block-kadence-advancedheading.kt-adv-heading14768_daa4c6-04[data-kb-block=\"kb-adv-heading14768_daa4c6-04\"]{text-align:center!important;}}<\/style>\n<h4 class=\"kt-adv-heading14768_daa4c6-04 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading14768_daa4c6-04\">Trouver le r\u00e9gime adapt\u00e9 \u00e0 votre entreprise<\/h4>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading14768_d7d886-a7, .wp-block-kadence-advancedheading.kt-adv-heading14768_d7d886-a7[data-kb-block=\"kb-adv-heading14768_d7d886-a7\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading14768_d7d886-a7 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading14768_d7d886-a7[data-kb-block=\"kb-adv-heading14768_d7d886-a7\"] 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-heading14768_d7d886-a7 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading14768_d7d886-a7[data-kb-block=\"kb-adv-heading14768_d7d886-a7\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading14768_d7d886-a7, .wp-block-kadence-advancedheading.kt-adv-heading14768_d7d886-a7[data-kb-block=\"kb-adv-heading14768_d7d886-a7\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading14768_d7d886-a7, .wp-block-kadence-advancedheading.kt-adv-heading14768_d7d886-a7[data-kb-block=\"kb-adv-heading14768_d7d886-a7\"]{text-align:center!important;}}<\/style>\n<p class=\"kt-adv-heading14768_d7d886-a7 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading14768_d7d886-a7\">Que vous souhaitiez mettre en place un DCPP ou d\u00e9terminer l\u2019option la plus adapt\u00e9e \u00e0 votre \u00e9quipe, nos conseillers experts peuvent s\u00e9lectionner et d\u00e9ployer le r\u00e9gime id\u00e9al.<\/p>\n<\/div><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column14768_b9d799-cb > .kt-inside-inner-col{display:flex;}.kadence-column14768_b9d799-cb > .kt-inside-inner-col,.kadence-column14768_b9d799-cb > .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-column14768_b9d799-cb > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14768_b9d799-cb > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column14768_b9d799-cb > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column14768_b9d799-cb{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14768_b9d799-cb{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14768_b9d799-cb > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column14768_b9d799-cb > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14768_b9d799-cb{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column14768_b9d799-cb{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14768_b9d799-cb{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14768_b9d799-cb > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column14768_b9d799-cb > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column14768_b9d799-cb{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14768_b9d799-cb{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14768_b9d799-cb > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column14768_b9d799-cb > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14768_b9d799-cb\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading14768_15f457-13, .wp-block-kadence-advancedheading.kt-adv-heading14768_15f457-13[data-kb-block=\"kb-adv-heading14768_15f457-13\"]{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-heading14768_15f457-13[data-kb-block=\"kb-adv-heading14768_15f457-13\"]{display:flex;gap:0.25em;justify-content:center;align-items:center;}.wp-block-kadence-advancedheading.kt-adv-heading14768_15f457-13[data-kb-block=\"kb-adv-heading14768_15f457-13\"] .kb-adv-heading-icon svg{width:1em;height:1em;}.wp-block-kadence-advancedheading.kt-adv-heading14768_15f457-13[data-kb-block=\"kb-adv-heading14768_15f457-13\"] .kb-adv-heading-icon{color:var(--global-palette1, #3182CE);}.wp-block-kadence-advancedheading.kt-adv-heading14768_15f457-13 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading14768_15f457-13[data-kb-block=\"kb-adv-heading14768_15f457-13\"] 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-heading14768_15f457-13 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading14768_15f457-13[data-kb-block=\"kb-adv-heading14768_15f457-13\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading14768_15f457-13, .wp-block-kadence-advancedheading.kt-adv-heading14768_15f457-13[data-kb-block=\"kb-adv-heading14768_15f457-13\"]{text-align:center!important;}}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading14768_15f457-13[data-kb-block=\"kb-adv-heading14768_15f457-13\"]{justify-content:center;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading14768_15f457-13, .wp-block-kadence-advancedheading.kt-adv-heading14768_15f457-13[data-kb-block=\"kb-adv-heading14768_15f457-13\"]{padding-bottom:0px;text-align:center!important;}.wp-block-kadence-advancedheading.kt-adv-heading14768_15f457-13[data-kb-block=\"kb-adv-heading14768_15f457-13\"]{justify-content:center;}}<\/style><p class=\"kt-adv-heading14768_15f457-13 wp-block-kadence-advancedheading kt-adv-heading-has-icon\" data-kb-block=\"kb-adv-heading14768_15f457-13\"><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-btns14768_44e6f1-9d{gap:var(--global-kb-gap-xs, 0.5rem );justify-content:center;align-items:center;}.kt-btns14768_44e6f1-9d .kt-button{font-weight:normal;font-style:normal;}.kt-btns14768_44e6f1-9d .kt-btn-wrap-0{margin-right:5px;}.wp-block-kadence-advancedbtn.kt-btns14768_44e6f1-9d .kt-btn-wrap-0 .kt-button{color:#555555;border-color:#555555;}.wp-block-kadence-advancedbtn.kt-btns14768_44e6f1-9d .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns14768_44e6f1-9d .kt-btn-wrap-0 .kt-button:focus{color:#ffffff;border-color:#444444;}.wp-block-kadence-advancedbtn.kt-btns14768_44e6f1-9d .kt-btn-wrap-0 .kt-button::before{display:none;}.wp-block-kadence-advancedbtn.kt-btns14768_44e6f1-9d .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns14768_44e6f1-9d .kt-btn-wrap-0 .kt-button:focus{background:#444444;}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn.kb-btns14768_44e6f1-9d{justify-content:center;}}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn.kb-btns14768_44e6f1-9d{justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-advancedbtn kb-buttons-wrap kb-btns14768_44e6f1-9d\"><style>ul.menu .wp-block-kadence-advancedbtn .kb-btn14768_12f618-33.kb-button{width:initial;}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn .kb-btn14768_12f618-33.kb-button{font-size:var(--global-kb-font-size-sm, 0.9rem);}}<\/style><a class=\"kb-button kt-button button kb-btn14768_12f618-33 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=\"how-to-implement-a-defined-contribution-pension-plan\">Comment mettre en place un r\u00e9gime \u00e0 cotisation d\u00e9termin\u00e9e<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Mettre en place un <a href=\"https:\/\/twinn.ca\/fr\/regime-retraite-employes\/\" data-type=\"link\" data-id=\"https:\/\/twinn.ca\/fr\/regime-retraite-employes\/\">r\u00e9gime de retraite <\/a>ne doit pas \u00eatre compliqu\u00e9. Avec une approche claire et les bons partenaires, vous pouvez offrir un avantage retraite b\u00e9n\u00e9fique pour votre entreprise et vos employ\u00e9s.<\/p>\n\n\n<style>.kb-row-layout-id14768_02dbea-f8 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id14768_02dbea-f8 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id14768_02dbea-f8 > .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-id14768_02dbea-f8 > .kt-row-column-wrap > div:not(.added-for-specificity){grid-column:initial;}.kb-row-layout-id14768_02dbea-f8 > .kt-row-column-wrap{grid-template-columns:repeat(2, minmax(0, 1fr));}.kb-row-layout-id14768_02dbea-f8 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id14768_02dbea-f8 > .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-id14768_02dbea-f8 > .kt-row-column-wrap > div:not(.added-for-specificity){grid-column:initial;}}@media all and (max-width: 767px){.kb-row-layout-id14768_02dbea-f8 > .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-id14768_02dbea-f8 > .kt-row-column-wrap > div:not(.added-for-specificity){grid-column:initial;}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id14768_02dbea-f8 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-column14768_d9ec2f-bf > .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-column14768_d9ec2f-bf > .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-column14768_d9ec2f-bf > .kt-inside-inner-col,.kadence-column14768_d9ec2f-bf > .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-column14768_d9ec2f-bf > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14768_d9ec2f-bf > .kt-inside-inner-col{flex-direction:column;}.kadence-column14768_d9ec2f-bf > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14768_d9ec2f-bf > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14768_d9ec2f-bf{position:relative;}@media all and (max-width: 1024px){.kadence-column14768_d9ec2f-bf > .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-column14768_d9ec2f-bf > .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-column14768_d9ec2f-bf\"><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--30);padding-bottom:var(--wp--preset--spacing--40)\"><strong>\u00c9tape\u202f1\u202f: Collaborer avec les bons experts<\/strong><\/h5>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items14768_08828a-86:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14768_08828a-86 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-items14768_08828a-86 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14768_08828a-86 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items14768_08828a-86 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-items14768_08828a-86 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-14768_e651ff-88 .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-14768_e651ff-88\"><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\">Travaillez avec un conseiller en avantages sociaux et des assureurs r\u00e9put\u00e9s comme Sun Life, Manuvie, Canada Vie ou RBC Assurances. 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;line-height:1.8\">Comparer les options de r\u00e9gime disponibles<\/li>\n\n\n\n<li style=\"padding-left:0;line-height:1.7\">Concevoir un r\u00e9gime adapt\u00e9 aux besoins de vos employ\u00e9s<\/li>\n\n\n\n<li style=\"padding-left:0;line-height:1.8\">Garantir la conformit\u00e9 d\u00e8s le d\u00e9part<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n<style>.kadence-column14768_f3529e-cd > .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-column14768_f3529e-cd > .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-column14768_f3529e-cd > .kt-inside-inner-col,.kadence-column14768_f3529e-cd > .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-column14768_f3529e-cd > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14768_f3529e-cd > .kt-inside-inner-col{flex-direction:column;}.kadence-column14768_f3529e-cd > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14768_f3529e-cd > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14768_f3529e-cd{position:relative;}@media all and (max-width: 1024px){.kadence-column14768_f3529e-cd > .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-column14768_f3529e-cd > .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-column14768_f3529e-cd\"><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\u202f2\u202f: D\u00e9finir la structure du r\u00e9gime<\/strong><\/h5>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items14768_2e7369-e2:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14768_2e7369-e2 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-top:var(--global-kb-spacing-xxs, 0.5rem);}.wp-block-kadence-iconlist.kt-svg-icon-list-items14768_2e7369-e2 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14768_2e7369-e2 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items14768_2e7369-e2 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-items14768_2e7369-e2 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-14768_41e7a3-95 .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-14768_41e7a3-95\"><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 des param\u00e8tres cl\u00e9s :<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Taux de cotisation (fixe, \u00e9quivalente, progressive)<\/li>\n\n\n\n<li>Conditions d\u2019admissibilit\u00e9 et r\u00e8gles de participation<\/li>\n\n\n\n<li>Choix de placements offerts aux employ\u00e9s<\/li>\n\n\n\n<li>Conditions de portabilit\u00e9 pour les d\u00e9parts<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n<style>.kadence-column14768_f8f465-4e > .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-column14768_f8f465-4e > .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-column14768_f8f465-4e > .kt-inside-inner-col,.kadence-column14768_f8f465-4e > .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-column14768_f8f465-4e > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14768_f8f465-4e > .kt-inside-inner-col{flex-direction:column;}.kadence-column14768_f8f465-4e > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14768_f8f465-4e > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14768_f8f465-4e{position:relative;}@media all and (max-width: 1024px){.kadence-column14768_f8f465-4e > .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-column14768_f8f465-4e > .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-column14768_f8f465-4e\"><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\u202f3\u202f: Communiquer et sensibiliser<\/strong><\/h5>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019efficacit\u00e9 d\u2019un r\u00e9gime d\u00e9pend de son taux de participation. L\u2019employeur doit : <\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items14768_03eff3-68:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14768_03eff3-68 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-xxs, 0.5rem);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-items14768_03eff3-68 ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14768_03eff3-68 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items14768_03eff3-68 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-items14768_03eff3-68 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-14768_5c581d-a2 .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-14768_5c581d-a2\"><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\">Expliquer clairement les avantages du r\u00e9gime<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14768_377cb0-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-14768_377cb0-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\">Fournir des ressources sur les options de placement et la planification de la retraite<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14768_d2775e-43 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14768_d2775e-43\"><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\">Proposer des outils et ateliers pour aider les employ\u00e9s \u00e0 optimiser leur r\u00e9gime<\/span><\/li>\n<\/ul><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column14768_b3337a-c6 > .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-column14768_b3337a-c6 > .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-column14768_b3337a-c6 > .kt-inside-inner-col,.kadence-column14768_b3337a-c6 > .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-column14768_b3337a-c6 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14768_b3337a-c6 > .kt-inside-inner-col{flex-direction:column;}.kadence-column14768_b3337a-c6 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14768_b3337a-c6 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14768_b3337a-c6{position:relative;}@media all and (max-width: 1024px){.kadence-column14768_b3337a-c6 > .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-column14768_b3337a-c6 > .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-column14768_b3337a-c6\"><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\u202f4\u202f: G\u00e9rer et suivre le r\u00e9gime<\/strong><\/h5>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"padding-left:var(--wp--preset--spacing--20)\">Une administration continue est essentielle pour assurer la conformit\u00e9 et l\u2019efficacit\u00e9 du r\u00e9gime : <\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items14768_5c34a5-e0:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14768_5c34a5-e0 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-items14768_5c34a5-e0 ul.kt-svg-icon-list{grid-row-gap:4px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14768_5c34a5-e0 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items14768_5c34a5-e0 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-items14768_5c34a5-e0 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-14768_716e00-0d .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-14768_716e00-0d\"><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\">Suivi des cotisations et rapports de conformit\u00e9<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14768_25363e-2a .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-14768_25363e-2a\"><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\">Revue r\u00e9guli\u00e8re de la performance des placements<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14768_6a7dc3-f4 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14768_6a7dc3-f4\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_square kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><rect x=\"3\" y=\"3\" width=\"18\" height=\"18\" rx=\"2\" ry=\"2\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Ajustement des strat\u00e9gies de cotisation si n\u00e9cessaire<\/span><\/li>\n<\/ul><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-image14768_aaa942-71 .kb-image-has-overlay:after{opacity:0.3;}<\/style>\n<figure class=\"wp-block-kadence-image kb-image14768_aaa942-71 size-full\"><img decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/09\/benefit-advisors-guiding-business-through-pension-plan-options.webp\" alt=\"\" class=\"kb-img wp-image-14683\" srcset=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/09\/benefit-advisors-guiding-business-through-pension-plan-options.webp 1000w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/09\/benefit-advisors-guiding-business-through-pension-plan-options-300x200.webp 300w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/09\/benefit-advisors-guiding-business-through-pension-plan-options-768x512.webp 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"implementing-defined-contribution-pension-plans-with-other-options-and-benefits\">Mettre en place un r\u00e9gime \u00e0 cotisation d\u00e9termin\u00e9e avec d\u2019autres options<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le r\u00e9gime \u00e0 cotisation d\u00e9termin\u00e9e est solide en soi, mais il devient encore plus efficace lorsqu\u2019il est associ\u00e9 \u00e0 d\u2019autres outils d\u2019\u00e9pargne et avantages. Combiner plusieurs options offre plus de flexibilit\u00e9 aux employ\u00e9s tout en maintenant une pr\u00e9visibilit\u00e9 des co\u00fbts pour l\u2019employeur. <\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items14768_3249c0-79:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14768_3249c0-79 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-items14768_3249c0-79 ul.kt-svg-icon-list{grid-row-gap:23px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14768_3249c0-79 .kb-svg-icon-wrap{color:var(--global-palette2, #2B6CB0);}.wp-block-kadence-iconlist.kt-svg-icon-list-items14768_3249c0-79 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items14768_3249c0-79 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-items14768_3249c0-79: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-items14768_3249c0-79: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-items14768_3249c0-79: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-items14768_3249c0-79 kt-svg-icon-list-columns-2 alignnone kt-list-icon-aligntop\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-14768_dadb6a-39 .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-14768_dadb6a-39\"><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\u202f1\u202f: Combiner avec un REER collectif<\/mark><br><\/strong>Beaucoup d\u2019employeurs ajoutent un REER collectif \u00e0 un DCPP pour offrir plus de choix aux employ\u00e9s. Tandis que le DCPP assure des cotisations structur\u00e9es, le REER collectif permet aux employ\u00e9s de cotiser davantage \u00e0 leur rythme, tout en b\u00e9n\u00e9ficiant d\u2019avantages fiscaux et d\u2019une cotisation \u00e9quivalente de l\u2019employeur. <\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14768_267451-04 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14768_267451-04\"><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\u202f2\u202f: Ajouter un r\u00e9gime de participation diff\u00e9r\u00e9e aux b\u00e9n\u00e9fices (RPDB)<\/mark><br><\/strong>Un RPDB peut compl\u00e9ter un DCPP en r\u00e9compensant la performance et en partageant les succ\u00e8s de l\u2019entreprise. Les cotisations de l\u2019employeur au RPDB d\u00e9pendent des profits, offrant aux employ\u00e9s un avantage variable en plus du DCPP. Cela favorise la fid\u00e9lisation et aligne les objectifs des employ\u00e9s sur ceux de l\u2019entreprise.  <\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14768_8a7308-ee .kt-svg-icon-list-single{color:var(--global-palette1, #3182CE) !important;}.kt-svg-icon-list-item-14768_8a7308-ee .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14768_8a7308-ee\"><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\u202f3\u202f: Structures de cotisation flexibles<\/mark><br><\/strong>Certaines organisations adoptent des r\u00e9gimes \u00e0 cotisations diff\u00e9renci\u00e9es \u2014 par exemple, des taux plus \u00e9lev\u00e9s pour les cadres ou talents cl\u00e9s. Cela permet d\u2019offrir un r\u00e9gime plus personnalis\u00e9 tout en ma\u00eetrisant les co\u00fbts. <\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14768_8f591b-00 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14768_8f591b-00\"><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\u202f4\u202f: Int\u00e9grer \u00e0 un ensemble d\u2019avantages<\/mark><br><\/strong>Associer un r\u00e9gime \u00e0 cotisation d\u00e9termin\u00e9e \u00e0 d\u2019autres avantages, comme des programmes de bien-\u00eatre, des services de t\u00e9l\u00e9m\u00e9decine (Dialogue, Maple) ou des outils de litt\u00e9ratie financi\u00e8re, offre aux employ\u00e9s \u00e0 la fois une s\u00e9curit\u00e9 pour la retraite et un soutien au quotidien. Cette approche int\u00e9gr\u00e9e renforce l\u2019exp\u00e9rience globale des employ\u00e9s. <\/span><\/li>\n<\/ul><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"partnering-with-experts-to-build-smarter-defined-contribution-pension-strategies\">Collaborer avec des experts pour optimiser votre r\u00e9gime \u00e0 cotisation d\u00e9termin\u00e9e<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Entre la r\u00e9glementation des r\u00e9gimes de retraite, les exigences de cotisation et l\u2019int\u00e9gration d\u2019un r\u00e9gime \u00e0 cotisation d\u00e9termin\u00e9e avec d\u2019autres options d\u2019\u00e9pargne, le processus peut sembler complexe. C\u2019est l\u00e0 qu\u2019une expertise sp\u00e9cialis\u00e9e fait toute la diff\u00e9rence. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Chez TWINN, nous concevons et g\u00e9rons des strat\u00e9gies de retraite adapt\u00e9es aux besoins de vos employ\u00e9s, \u00e0 votre budget et \u00e0 vos objectifs \u00e0 long terme. De la s\u00e9lection du bon assureur \u00e0 la conformit\u00e9 r\u00e9glementaire, en passant par la formation des employ\u00e9s, nous aidons les employeurs \u00e0 simplifier les d\u00e9cisions et \u00e0 maximiser la valeur du r\u00e9gime. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Voici comment notre \u00e9quipe vous accompagne :<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items14768_d4b6c9-08:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14768_d4b6c9-08 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;padding-left:var(--global-kb-spacing-xs, 1rem);}.wp-block-kadence-iconlist.kt-svg-icon-list-items14768_d4b6c9-08 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14768_d4b6c9-08 .kb-svg-icon-wrap{color:var(--global-palette2, #2B6CB0);}.wp-block-kadence-iconlist.kt-svg-icon-list-items14768_d4b6c9-08 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items14768_d4b6c9-08 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-items14768_d4b6c9-08 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-14768_19b130-4b .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14768_19b130-4b\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Conception du r\u00e9gime :<\/strong> Cr\u00e9er un r\u00e9gime \u00e0 cotisation d\u00e9termin\u00e9e ou l\u2019associer \u00e0 d\u2019autres outils d\u2019\u00e9pargne, comme un REER collectif ou un r\u00e9gime de participation diff\u00e9r\u00e9e aux b\u00e9n\u00e9fices (RPDB).<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14768_59b7d8-03 .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-14768_59b7d8-03\"><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> D\u00e9finir des niveaux et structures de cotisation qui \u00e9quilibrent pr\u00e9visibilit\u00e9 des co\u00fbts et avantages retraite comp\u00e9titifs.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14768_531659-f6 .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-14768_531659-f6\"><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>Gestion de la conformit\u00e9 :<\/strong> Respecter les r\u00e8gles f\u00e9d\u00e9rales et provinciales, y compris les exigences sp\u00e9cifiques au Qu\u00e9bec.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14768_d002d0-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-14768_d002d0-a9\"><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> R\u00e9viser cotisations, performances des placements et structure du r\u00e9gime en fonction de l\u2019\u00e9volution de l\u2019entreprise et de la r\u00e9glementation.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14768_f13ceb-c8 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14768_f13ceb-c8\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Formation des employ\u00e9s :<\/strong> Fournir aux employ\u00e9s les outils et connaissances pour tirer le meilleur parti de leur r\u00e9gime et de leurs options d\u2019\u00e9pargne.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Avec TWINN, vous b\u00e9n\u00e9ficiez plus qu\u2019un simple r\u00e9gime de retraite : vous gagnez un partenaire capable de transformer la conformit\u00e9 en avantage comp\u00e9titif et de renforcer la fid\u00e9lit\u00e9 des employ\u00e9s. D\u00e9couvrez 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 en plans de retraite et d\u2019\u00e9pargne collectifs.<\/a> <\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"questions-we-have-answers\">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-id14768_a0150d-59 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id14768_a0150d-59 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id14768_a0150d-59 > .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-id14768_a0150d-59 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id14768_a0150d-59 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id14768_a0150d-59 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id14768_a0150d-59 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-column14768_0b2992-a1 > .kt-inside-inner-col,.kadence-column14768_0b2992-a1 > .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-column14768_0b2992-a1 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14768_0b2992-a1 > .kt-inside-inner-col{flex-direction:column;}.kadence-column14768_0b2992-a1 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14768_0b2992-a1 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14768_0b2992-a1{position:relative;}@media all and (max-width: 1024px){.kadence-column14768_0b2992-a1 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column14768_0b2992-a1 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14768_0b2992-a1 inner-column-1\"><div class=\"kt-inside-inner-col\">\n<div class=\"wp-block-wpsp-faq wpsp-faq__outer-wrap wpsp-block-2b14729b 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-cotisation-determinee\/\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"&lt;strong>&lt;strong>Puis-je encaisser mon r\u00e9gime \u00e0 cotisation d\u00e9termin\u00e9e ?&lt;\/strong>&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui. En quittant l\u2019entreprise, vous pouvez g\u00e9n\u00e9ralement transf\u00e9rer vos \u00e9conomies vers un autre r\u00e9gime enregistr\u00e9, comme un Compte de retraite immobilis\u00e9 (CRI) ou un REER. Il est aussi possible de retirer la somme en une seule fois, selon les r\u00e8gles fiscales et celles du r\u00e9gime.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong>&lt;strong>Quelle est la diff\u00e9rence entre un DCPP et un REER collectif ?&lt;\/strong>&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Un DCPP est un r\u00e9gime de pension enregistr\u00e9 avec des cotisations obligatoires de l\u2019employeur et des exigences r\u00e9glementaires pr\u00e9cises. Un REER collectif est un r\u00e9gime d\u2019\u00e9pargne enregistr\u00e9 plus flexible, avec cotisations volontaires des employ\u00e9s et administration simplifi\u00e9e. Certains employeurs proposent les deux pour combiner structure et flexibilit\u00e9.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong>&lt;strong>Quels sont les inconv\u00e9nients d\u2019un r\u00e9gime \u00e0 cotisation d\u00e9termin\u00e9e ?&lt;\/strong>&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Le principal inconv\u00e9nient est l\u2019absence de montant garanti \u00e0 la retraite\u202f: la prestation d\u00e9pend des cotisations et des rendements. L\u2019employ\u00e9 assume aussi le risque des placements et doit g\u00e9rer activement son \u00e9pargne.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong>&lt;strong>Que se passe-t-il avec un r\u00e9gime \u00e0 cotisation d\u00e9termin\u00e9e lorsque l\u2019on quitte l\u2019entreprise ?&lt;\/strong>&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Les cotisations vers\u00e9es, ainsi que celles de l\u2019employeur, vous appartiennent. Vous pouvez les transf\u00e9rer vers un autre r\u00e9gime de retraite (CRI, REER, etc.) ou les retirer selon les r\u00e8gles fiscales.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong>&lt;strong>Les cotisations \u00e0 un r\u00e9gime \u00e0 cotisation d\u00e9termin\u00e9e sont-elles d\u00e9ductibles d\u2019imp\u00f4t ?&lt;\/strong>&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui. Les cotisations de l\u2019employeur sont d\u00e9ductibles comme d\u00e9pense d\u2019entreprise. Celles de l\u2019employ\u00e9 sont vers\u00e9es avant imp\u00f4t, r\u00e9duisant ainsi le revenu imposable. Les retraits \u00e0 la retraite sont impos\u00e9s comme un revenu ordinaire.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong>&lt;strong>Quelles sont les limites de cotisation pour un r\u00e9gime \u00e0 cotisation d\u00e9termin\u00e9e ?&lt;\/strong>&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"En 2025, la somme des cotisations employeur et employ\u00e9 ne doit pas d\u00e9passer le moindre des montants suivants\u202f:&lt;br>18\u202f% du revenu gagn\u00e9&lt;br>30\u202f780\u202f$ (plafond fix\u00e9 par l\u2019ARC)\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong>Quelle est la diff\u00e9rence entre un 401(k) et un r\u00e9gime \u00e0 cotisation d\u00e9termin\u00e9e ?&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Le 401(k) est un r\u00e9gime d\u2019\u00e9pargne-retraite am\u00e9ricain avec cotisations volontaires des employ\u00e9s, souvent accompagn\u00e9es d\u2019une cotisation \u00e9quivalente de l\u2019employeur. Le DCPP est un r\u00e9gime de pension canadien enregistr\u00e9 avec cotisations r\u00e9glement\u00e9es, souvent obligatoires pour l\u2019employeur, et soumis \u00e0 des r\u00e8gles sp\u00e9cifiques. La diff\u00e9rence majeure r\u00e9side dans la r\u00e9glementation et le contexte.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong>Cotisation d\u00e9termin\u00e9e vs prestation d\u00e9termin\u00e9e : quelle diff\u00e9rence ?&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Un DCPP offre des co\u00fbts pr\u00e9visibles, de la portabilit\u00e9 et une gestion des placements par l\u2019employ\u00e9, mais ne garantit pas de montant \u00e0 la retraite. Un r\u00e9gime \u00e0 prestations d\u00e9termin\u00e9es assure un versement fixe bas\u00e9 sur le salaire et les ann\u00e9es de service, mais est souvent plus co\u00fbteux, complexe administrativement et moins flexible pour l\u2019employ\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-49c86df2\"><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>Puis-je encaisser mon r\u00e9gime \u00e0 cotisation d\u00e9termin\u00e9e ?<\/strong><\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Oui. En quittant l\u2019entreprise, vous pouvez g\u00e9n\u00e9ralement transf\u00e9rer vos \u00e9conomies vers un autre r\u00e9gime enregistr\u00e9, comme un Compte de retraite immobilis\u00e9 (CRI) ou un REER. Il est aussi possible de retirer la somme en une seule fois, selon les r\u00e8gles fiscales et celles du r\u00e9gime.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-7388f9f2\"><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 DCPP et un REER collectif ?<\/strong><\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Un DCPP est un r\u00e9gime de pension enregistr\u00e9 avec des cotisations obligatoires de l\u2019employeur et des exigences r\u00e9glementaires pr\u00e9cises. Un REER collectif est un r\u00e9gime d\u2019\u00e9pargne enregistr\u00e9 plus flexible, avec cotisations volontaires des employ\u00e9s et administration simplifi\u00e9e. Certains employeurs proposent les deux pour combiner structure et flexibilit\u00e9.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-18b887b6\"><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 cotisation d\u00e9termin\u00e9e ?<\/strong><\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Le principal inconv\u00e9nient est l\u2019absence de montant garanti \u00e0 la retraite\u202f: la prestation d\u00e9pend des cotisations et des rendements. L\u2019employ\u00e9 assume aussi le risque des placements et doit g\u00e9rer activement son \u00e9pargne.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-abf645a0\"><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>Que se passe-t-il avec un r\u00e9gime \u00e0 cotisation d\u00e9termin\u00e9e lorsque l\u2019on quitte l\u2019entreprise ?<\/strong><\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Les cotisations vers\u00e9es, ainsi que celles de l\u2019employeur, vous appartiennent. Vous pouvez les transf\u00e9rer vers un autre r\u00e9gime de retraite (CRI, REER, etc.) ou les retirer selon les r\u00e8gles fiscales.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-7b30fbc5\"><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>Les cotisations \u00e0 un r\u00e9gime \u00e0 cotisation d\u00e9termin\u00e9e sont-elles d\u00e9ductibles d\u2019imp\u00f4t ?<\/strong><\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Oui. Les cotisations de l\u2019employeur sont d\u00e9ductibles comme d\u00e9pense d\u2019entreprise. Celles de l\u2019employ\u00e9 sont vers\u00e9es avant imp\u00f4t, r\u00e9duisant ainsi le revenu imposable. Les retraits \u00e0 la retraite sont impos\u00e9s comme un revenu ordinaire.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-5cadf9a7\"><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>Quelles sont les limites de cotisation pour un r\u00e9gime \u00e0 cotisation d\u00e9termin\u00e9e ?<\/strong><\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>En 2025, la somme des cotisations employeur et employ\u00e9 ne doit pas d\u00e9passer le moindre des montants suivants\u202f:<br>18\u202f% du revenu gagn\u00e9<br>30\u202f780\u202f$ (plafond fix\u00e9 par l\u2019ARC)<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-a294d0d9\"><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>Quelle est la diff\u00e9rence entre un 401(k) et un r\u00e9gime \u00e0 cotisation d\u00e9termin\u00e9e ?<\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Le 401(k) est un r\u00e9gime d\u2019\u00e9pargne-retraite am\u00e9ricain avec cotisations volontaires des employ\u00e9s, souvent accompagn\u00e9es d\u2019une cotisation \u00e9quivalente de l\u2019employeur. Le DCPP est un r\u00e9gime de pension canadien enregistr\u00e9 avec cotisations r\u00e9glement\u00e9es, souvent obligatoires pour l\u2019employeur, et soumis \u00e0 des r\u00e8gles sp\u00e9cifiques. La diff\u00e9rence majeure r\u00e9side dans la r\u00e9glementation et le contexte.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-5af4adda\"><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>Cotisation d\u00e9termin\u00e9e vs prestation d\u00e9termin\u00e9e : quelle diff\u00e9rence ?<\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Un DCPP offre des co\u00fbts pr\u00e9visibles, de la portabilit\u00e9 et une gestion des placements par l\u2019employ\u00e9, mais ne garantit pas de montant \u00e0 la retraite. Un r\u00e9gime \u00e0 prestations d\u00e9termin\u00e9es assure un versement fixe bas\u00e9 sur le salaire et les ann\u00e9es de service, mais est souvent plus co\u00fbteux, complexe administrativement et moins flexible pour l\u2019employ\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-id14768_93c7fd-a0{margin-top:var(--global-kb-spacing-sm, 1.5rem);margin-bottom:var(--global-kb-spacing-sm, 1.5rem);}.kb-row-layout-id14768_93c7fd-a0 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id14768_93c7fd-a0 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id14768_93c7fd-a0 > .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-id14768_93c7fd-a0{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-id14768_93c7fd-a0 > .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-id14768_93c7fd-a0 > .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-id14768_93c7fd-a0 > .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-id14768_93c7fd-a0 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id14768_93c7fd-a0 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-column14768_5353c7-16 > .kt-inside-inner-col,.kadence-column14768_5353c7-16 > .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-column14768_5353c7-16 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14768_5353c7-16 > .kt-inside-inner-col{flex-direction:column;}.kadence-column14768_5353c7-16 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14768_5353c7-16 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14768_5353c7-16{position:relative;}@media all and (max-width: 1024px){.kadence-column14768_5353c7-16 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column14768_5353c7-16 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14768_5353c7-16\"><div class=\"kt-inside-inner-col\"><style>.kadence-column14768_a258c1-f7 > .kt-inside-inner-col{display:flex;}#wrapper.site{overflow:clip;}.kadence-column14768_a258c1-f7{--kb-section-setting-offset:90px;}.kadence-column14768_a258c1-f7 > .kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kadence-column14768_a258c1-f7 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14768_a258c1-f7 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column14768_a258c1-f7 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column14768_a258c1-f7{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14768_a258c1-f7{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14768_a258c1-f7 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column14768_a258c1-f7 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14768_a258c1-f7{text-align:left;}.kadence-column14768_a258c1-f7{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column14768_a258c1-f7{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-column14768_a258c1-f7{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14768_a258c1-f7 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 1024px){.kadence-column14768_a258c1-f7 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column14768_a258c1-f7{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14768_a258c1-f7{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14768_a258c1-f7 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column14768_a258c1-f7 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14768_a258c1-f7 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-heading14768_bc2629-b9, .wp-block-kadence-advancedheading.kt-adv-heading14768_bc2629-b9[data-kb-block=\"kb-adv-heading14768_bc2629-b9\"]{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-heading14768_bc2629-b9 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading14768_bc2629-b9[data-kb-block=\"kb-adv-heading14768_bc2629-b9\"] 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-heading14768_bc2629-b9 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading14768_bc2629-b9[data-kb-block=\"kb-adv-heading14768_bc2629-b9\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading14768_bc2629-b9, .wp-block-kadence-advancedheading.kt-adv-heading14768_bc2629-b9[data-kb-block=\"kb-adv-heading14768_bc2629-b9\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading14768_bc2629-b9, .wp-block-kadence-advancedheading.kt-adv-heading14768_bc2629-b9[data-kb-block=\"kb-adv-heading14768_bc2629-b9\"]{text-align:center!important;}}<\/style>\n<h4 class=\"kt-adv-heading14768_bc2629-b9 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading14768_bc2629-b9\">Trouver le r\u00e9gime adapt\u00e9 \u00e0 votre entreprise<\/h4>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading14768_470f45-da, .wp-block-kadence-advancedheading.kt-adv-heading14768_470f45-da[data-kb-block=\"kb-adv-heading14768_470f45-da\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading14768_470f45-da mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading14768_470f45-da[data-kb-block=\"kb-adv-heading14768_470f45-da\"] 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-heading14768_470f45-da img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading14768_470f45-da[data-kb-block=\"kb-adv-heading14768_470f45-da\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading14768_470f45-da, .wp-block-kadence-advancedheading.kt-adv-heading14768_470f45-da[data-kb-block=\"kb-adv-heading14768_470f45-da\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading14768_470f45-da, .wp-block-kadence-advancedheading.kt-adv-heading14768_470f45-da[data-kb-block=\"kb-adv-heading14768_470f45-da\"]{text-align:center!important;}}<\/style>\n<p class=\"kt-adv-heading14768_470f45-da wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading14768_470f45-da\">Que vous souhaitiez mettre en place un DCPP ou d\u00e9terminer l\u2019option la plus adapt\u00e9e \u00e0 votre \u00e9quipe, nos conseillers experts peuvent s\u00e9lectionner et d\u00e9ployer le r\u00e9gime id\u00e9al.<\/p>\n<\/div><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column14768_e15269-32 > .kt-inside-inner-col{display:flex;}.kadence-column14768_e15269-32 > .kt-inside-inner-col,.kadence-column14768_e15269-32 > .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-column14768_e15269-32 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14768_e15269-32 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column14768_e15269-32 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column14768_e15269-32{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14768_e15269-32{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14768_e15269-32 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column14768_e15269-32 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14768_e15269-32{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column14768_e15269-32{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14768_e15269-32{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14768_e15269-32 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column14768_e15269-32 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column14768_e15269-32{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14768_e15269-32{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14768_e15269-32 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column14768_e15269-32 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14768_e15269-32\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading14768_1195ca-76, .wp-block-kadence-advancedheading.kt-adv-heading14768_1195ca-76[data-kb-block=\"kb-adv-heading14768_1195ca-76\"]{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-heading14768_1195ca-76[data-kb-block=\"kb-adv-heading14768_1195ca-76\"]{display:flex;gap:0.25em;justify-content:center;align-items:center;}.wp-block-kadence-advancedheading.kt-adv-heading14768_1195ca-76[data-kb-block=\"kb-adv-heading14768_1195ca-76\"] .kb-adv-heading-icon svg{width:1em;height:1em;}.wp-block-kadence-advancedheading.kt-adv-heading14768_1195ca-76[data-kb-block=\"kb-adv-heading14768_1195ca-76\"] .kb-adv-heading-icon{color:var(--global-palette1, #3182CE);}.wp-block-kadence-advancedheading.kt-adv-heading14768_1195ca-76 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading14768_1195ca-76[data-kb-block=\"kb-adv-heading14768_1195ca-76\"] 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-heading14768_1195ca-76 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading14768_1195ca-76[data-kb-block=\"kb-adv-heading14768_1195ca-76\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading14768_1195ca-76, .wp-block-kadence-advancedheading.kt-adv-heading14768_1195ca-76[data-kb-block=\"kb-adv-heading14768_1195ca-76\"]{text-align:center!important;}}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading14768_1195ca-76[data-kb-block=\"kb-adv-heading14768_1195ca-76\"]{justify-content:center;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading14768_1195ca-76, .wp-block-kadence-advancedheading.kt-adv-heading14768_1195ca-76[data-kb-block=\"kb-adv-heading14768_1195ca-76\"]{padding-bottom:0px;text-align:center!important;}.wp-block-kadence-advancedheading.kt-adv-heading14768_1195ca-76[data-kb-block=\"kb-adv-heading14768_1195ca-76\"]{justify-content:center;}}<\/style><p class=\"kt-adv-heading14768_1195ca-76 wp-block-kadence-advancedheading kt-adv-heading-has-icon\" data-kb-block=\"kb-adv-heading14768_1195ca-76\"><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 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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=\"bottom-line\">En bref,<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Le r\u00e9gime \u00e0 cotisation d\u00e9termin\u00e9e offre aux entreprises une gestion pr\u00e9visible des co\u00fbts et une administration simplifi\u00e9e, tout en donnant aux employ\u00e9s flexibilit\u00e9, portabilit\u00e9 et contr\u00f4le de leur \u00e9pargne-retraite. Comprendre son fonctionnement et le combiner avec d\u2019autres avantages permet de cr\u00e9er un r\u00e9el avantage concurrentiel. S\u2019associer \u00e0 des experts garantit la conformit\u00e9 et maximise la valeur pour l\u2019entreprise comme pour ses employ\u00e9s.  <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pour un grand nombre d\u2019employeurs, trouver l\u2019\u00e9quilibre entre ma\u00eetrise des co\u00fbts et avantages-retraite attractifs est un d\u00e9fi. Un r\u00e9gime \u00e0&#8230;<\/p>\n","protected":false},"author":15,"featured_media":14678,"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-14768","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\/thoughtful-businesswoman-considering-pension-plan-options-1024x682.webp",1024,682,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\/14768","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=14768"}],"version-history":[{"count":0,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/posts\/14768\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/media\/14678"}],"wp:attachment":[{"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/media?parent=14768"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/categories?post=14768"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/tags?post=14768"},{"taxonomy":"post_folder","embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/post_folder?post=14768"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}