{"id":471,"date":"2020-11-12T11:58:31","date_gmt":"2020-11-12T16:58:31","guid":{"rendered":"https:\/\/cataq.progexia.com\/planification-de-la-retraite\/"},"modified":"2023-10-26T15:09:05","modified_gmt":"2023-10-26T19:09:05","slug":"retirement-planning","status":"publish","type":"page","link":"https:\/\/www.cataq.ca\/en\/complementary-products\/retirement-planning\/","title":{"rendered":"Retirement planning"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; fullwidth=&#8221;on&#8221; admin_label=&#8221;Section &#8211; Ent\u00eate&#8221; _builder_version=&#8221;4.7.4&#8243; _module_preset=&#8221;default&#8221; height=&#8221;50vh&#8221; height_tablet=&#8221;&#8221; height_phone=&#8221;&#8221; height_last_edited=&#8221;on|phone&#8221; global_module=&#8221;19&#8243; saved_tabs=&#8221;all&#8221; collapsed=&#8221;off&#8221;][et_pb_fullwidth_post_title meta=&#8221;off&#8221; featured_placement=&#8221;background&#8221; text_color=&#8221;light&#8221; admin_label=&#8221;Titre de la page&#8221; _builder_version=&#8221;4.7.4&#8243; _module_preset=&#8221;default&#8221; title_text_align=&#8221;center&#8221; use_background_color_gradient=&#8221;on&#8221; background_color_gradient_start=&#8221;rgba(0,0,0,0)&#8221; background_color_gradient_end=&#8221;#0b2746&#8243; background_color_gradient_start_position=&#8221;35%&#8221; background_color_gradient_overlays_image=&#8221;on&#8221; width_tablet=&#8221;&#8221; width_phone=&#8221;&#8221; width_last_edited=&#8221;on|desktop&#8221; max_width_tablet=&#8221;&#8221; max_width_phone=&#8221;&#8221; max_width_last_edited=&#8221;on|phone&#8221; height=&#8221;50vh&#8221; custom_css_main_element=&#8221;width:100%;||display: flex;||flex-direction: row;||flex-wrap: nowrap;||justify-content: center;||align-content: center;||align-items: center;&#8221; text_shadow_style=&#8221;preset3&#8243;][\/et_pb_fullwidth_post_title][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221;][et_pb_row _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221;][et_pb_text _builder_version=&#8221;4.7.4&#8243; _module_preset=&#8221;default&#8221;]Although retirement may seem to be a distant dream, this does not mean that you have all the time in the world to prepare for it. In fact, the earlier you plan for it, the better your chances of fully enjoying your retirement.<\/p>\n<p>On the other hand, if retirement for you is fast approaching, it is never too late to evaluate or even re-evaluate your situation so as to redirect if necessary. Have you saved up enough throughout the years to accomplish all you had planned?[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Section highlight&#8221; _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#e5e9ec&#8221; custom_margin=&#8221;||30px||false|false&#8221;][et_pb_row _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221;][et_pb_text _builder_version=&#8221;4.7.4&#8243; _module_preset=&#8221;default&#8221;]<\/p>\n<h3>The RRIF<\/h3>\n<p>The registered retirement income fund is a step which consists in converting your accumulated RRSPs into ongoing income. You must make this conversion before December 31 of the year in which you will celebrate your 71st birthday.<\/p>\n<p>If managing these types of formalities is not your cup of tea, there exist self-directed RRIFs. These do not direct themselves, as their name would suggest, but they allow you to work with a financial advisor and benefit from his or her advice.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Lien&#8221; _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221;][et_pb_row _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221;][et_pb_text admin_label=&#8221;Liens utiles&#8221; _builder_version=&#8221;4.7.5&#8243; _module_preset=&#8221;default&#8221;]<\/p>\n<h4>Useful links<\/h4>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;https:\/\/lautorite.qc.ca\/grand-public\/publications\/pour-le-grand-public\/planification-de-la-retraite&#8221; url_new_window=&#8221;on&#8221; button_text=&#8221;AMF &#8211; Planification de la retraite&#8221; admin_label=&#8221;AMF &#8211; Planification de la retraite&#8221; module_class=&#8221;btn-source-link amf-bg-icon&#8221; _builder_version=&#8221;4.7.5&#8243; _module_preset=&#8221;default&#8221;][\/et_pb_button][et_pb_button button_url=&#8221;https:\/\/lautorite.qc.ca\/grand-public\/finances-personnelles\/retraite\/4-etapes-pour-planifier-sa-retraite&#8221; url_new_window=&#8221;on&#8221; button_text=&#8221;AMF &#8211; 4 \u00e9tapes pour planifier sa retraite&#8221; admin_label=&#8221;AMF &#8211; 4 \u00e9tapes pour planifier sa retraite&#8221; module_class=&#8221;btn-source-link amf-bg-icon&#8221; _builder_version=&#8221;4.7.5&#8243; _module_preset=&#8221;default&#8221;][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Section Footer&#8221; module_class=&#8221;sec_footer&#8221; _builder_version=&#8221;4.7.0&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#3f4852&#8243; global_module=&#8221;117&#8243; saved_tabs=&#8221;all&#8221; collapsed=&#8221;off&#8221;][et_pb_row column_structure=&#8221;1_2,1_2&#8243; disabled_on=&#8221;off|off|off&#8221; admin_label=&#8221;Line &#8211; Desktop&#8221; _builder_version=&#8221;4.7.0&#8243; _module_preset=&#8221;default&#8221; collapsed=&#8221;off&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221;][et_pb_image src=&#8221;https:\/\/www.cataq.ca\/wp-content\/uploads\/\/2020\/11\/logo-renv_cataq.svg&#8221; title_text=&#8221;logo-renv_cataq&#8221; _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221; width=&#8221;300px&#8221;][\/et_pb_image][et_pb_text _builder_version=&#8221;4.7.7&#8243; _module_preset=&#8221;default&#8221; text_text_color=&#8221;#FFFFFF&#8221; background_layout=&#8221;dark&#8221; custom_margin_tablet=&#8221;||||false|false&#8221; custom_margin_phone=&#8221;&#8221; custom_margin_last_edited=&#8221;on|tablet&#8221;]<\/p>\n<address>1954 Bergeron St.<br \/>PO Box 2117<br \/>Jonquiere, Quebec<br \/>G7X 7X6<\/address>\n<address>Phone: <a href=\"tel:418%20547-5355\">418 547-5355<\/a><br \/>Toll-free : <a href=\"tel:1%20800%20263-5355\">1 800 263-5355<\/a><br \/>Fax: <a href=\"tel:1%20418%20547-5852\">418 547-5852<\/a><br \/><a href=\"mailto:cataq@videotron.ca\">cataq@videotron.ca<\/a><\/address>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221;][et_pb_text _builder_version=&#8221;4.7.7&#8243; _module_preset=&#8221;default&#8221; background_layout=&#8221;dark&#8221;]<\/p>\n<h4>ANY QUESTIONS?<\/h4>\n<p>DO NOT HESITATE TO CONTACT US!<\/p>\n<p>[\/et_pb_text][et_pb_contact_form success_message=&#8221;Thank you ! We have received your message. We will contact you shortly.&#8221; submit_button_text=&#8221;Send&#8221; _builder_version=&#8221;4.7.7&#8243; _module_preset=&#8221;default&#8221; custom_css_main_element=&#8221;color:black;&#8221;][et_pb_contact_field field_id=&#8221;Name&#8221; field_title=&#8221;Name&#8221; _builder_version=&#8221;4.7.7&#8243; button_text_size__hover_enabled=&#8221;off&#8221; button_one_text_size__hover_enabled=&#8221;off&#8221; button_two_text_size__hover_enabled=&#8221;off&#8221; button_text_color__hover_enabled=&#8221;off&#8221; button_one_text_color__hover_enabled=&#8221;off&#8221; button_two_text_color__hover_enabled=&#8221;off&#8221; button_border_width__hover_enabled=&#8221;off&#8221; button_one_border_width__hover_enabled=&#8221;off&#8221; button_two_border_width__hover_enabled=&#8221;off&#8221; button_border_color__hover_enabled=&#8221;off&#8221; button_one_border_color__hover_enabled=&#8221;off&#8221; button_two_border_color__hover_enabled=&#8221;off&#8221; button_border_radius__hover_enabled=&#8221;off&#8221; button_one_border_radius__hover_enabled=&#8221;off&#8221; button_two_border_radius__hover_enabled=&#8221;off&#8221; button_letter_spacing__hover_enabled=&#8221;off&#8221; button_one_letter_spacing__hover_enabled=&#8221;off&#8221; button_two_letter_spacing__hover_enabled=&#8221;off&#8221; button_bg_color__hover_enabled=&#8221;off&#8221; button_one_bg_color__hover_enabled=&#8221;off&#8221; button_two_bg_color__hover_enabled=&#8221;off&#8221;][\/et_pb_contact_field][et_pb_contact_field field_id=&#8221;Email&#8221; field_title=&#8221;E-mail&#8221; field_type=&#8221;email&#8221; _builder_version=&#8221;4.7.7&#8243; button_text_size__hover_enabled=&#8221;off&#8221; button_one_text_size__hover_enabled=&#8221;off&#8221; button_two_text_size__hover_enabled=&#8221;off&#8221; button_text_color__hover_enabled=&#8221;off&#8221; button_one_text_color__hover_enabled=&#8221;off&#8221; button_two_text_color__hover_enabled=&#8221;off&#8221; button_border_width__hover_enabled=&#8221;off&#8221; button_one_border_width__hover_enabled=&#8221;off&#8221; button_two_border_width__hover_enabled=&#8221;off&#8221; button_border_color__hover_enabled=&#8221;off&#8221; button_one_border_color__hover_enabled=&#8221;off&#8221; button_two_border_color__hover_enabled=&#8221;off&#8221; button_border_radius__hover_enabled=&#8221;off&#8221; button_one_border_radius__hover_enabled=&#8221;off&#8221; button_two_border_radius__hover_enabled=&#8221;off&#8221; button_letter_spacing__hover_enabled=&#8221;off&#8221; button_one_letter_spacing__hover_enabled=&#8221;off&#8221; button_two_letter_spacing__hover_enabled=&#8221;off&#8221; button_bg_color__hover_enabled=&#8221;off&#8221; button_one_bg_color__hover_enabled=&#8221;off&#8221; button_two_bg_color__hover_enabled=&#8221;off&#8221;][\/et_pb_contact_field][et_pb_contact_field field_id=&#8221;Message&#8221; field_title=&#8221;Message&#8221; field_type=&#8221;text&#8221; fullwidth_field=&#8221;on&#8221; _builder_version=&#8221;4.7.7&#8243; button_text_size__hover_enabled=&#8221;off&#8221; button_one_text_size__hover_enabled=&#8221;off&#8221; button_two_text_size__hover_enabled=&#8221;off&#8221; button_text_color__hover_enabled=&#8221;off&#8221; button_one_text_color__hover_enabled=&#8221;off&#8221; button_two_text_color__hover_enabled=&#8221;off&#8221; button_border_width__hover_enabled=&#8221;off&#8221; button_one_border_width__hover_enabled=&#8221;off&#8221; button_two_border_width__hover_enabled=&#8221;off&#8221; button_border_color__hover_enabled=&#8221;off&#8221; button_one_border_color__hover_enabled=&#8221;off&#8221; button_two_border_color__hover_enabled=&#8221;off&#8221; button_border_radius__hover_enabled=&#8221;off&#8221; button_one_border_radius__hover_enabled=&#8221;off&#8221; button_two_border_radius__hover_enabled=&#8221;off&#8221; button_letter_spacing__hover_enabled=&#8221;off&#8221; button_one_letter_spacing__hover_enabled=&#8221;off&#8221; button_two_letter_spacing__hover_enabled=&#8221;off&#8221; button_bg_color__hover_enabled=&#8221;off&#8221; button_one_bg_color__hover_enabled=&#8221;off&#8221; button_two_bg_color__hover_enabled=&#8221;off&#8221;][\/et_pb_contact_field][\/et_pb_contact_form][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Although retirement may seem to be a distant dream, this does not mean that you have all the time in the world to prepare for it. In fact, the earlier you plan for it, the better your chances of fully enjoying your retirement. On the other hand, if retirement for you is fast approaching, it [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":893,"parent":1679,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"class_list":["post-471","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Retirement planning - C.A.T.A.Q. 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