{"id":28099,"date":"2011-10-11T22:33:41","date_gmt":"2011-10-11T22:33:41","guid":{"rendered":"https:\/\/iamunion.kinex12.com\/?p=28099"},"modified":"2026-02-13T08:53:07","modified_gmt":"2026-02-13T08:53:07","slug":"la-grande-bouchee-frais-percus-par-les-reer-et-les-fonds-communs-de-placement","status":"publish","type":"post","link":"https:\/\/iamunion.kinex12.com\/fr\/la-grande-bouchee-frais-percus-par-les-reer-et-les-fonds-communs-de-placement\/","title":{"rendered":"La grande bouch\u00e9e : frais per\u00e7us par les REER et les fonds communs de placement"},"content":{"rendered":"
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Nombre de Canadiens investissent leur \u00e9pargne-retraite et leurs autres \u00e9conomies dans des fonds communs de placement, souvent sur recommandation de leur \u00ab conseiller financier\/vendeur de fonds mutuels \u00bb. Fait notable, bon nombre de ces Canadiens n\u2019ont aucune id\u00e9e du montant qu\u2019ils paient en frais ou de combien des frais annuels apparemment minimes peuvent nuire au rendement de leur \u00e9pargne. En effet, les frais per\u00e7us par les fonds communs de placement canadiens sont les plus \u00e9lev\u00e9s de tous les pays modernes.<\/p>\n

Au cours des 30 ans ou plus que la majorit\u00e9 des gens prennent \u00e0 se constituer une \u00e9pargne-retraite, des frais annuels de 2 % ou 3 % (commun\u00e9ment appel\u00e9s des ratios des frais de gestion ou RFG) peuvent repr\u00e9senter un montant cumul\u00e9 correspondant au tiers, voire \u00e0 la moiti\u00e9, d\u2019une pension de retraite.<\/p>\n

L\u2019industrie canadienne des fonds communs de placement (contr\u00f4l\u00e9e majoritairement par les grandes banques \u00e0 charte) et leurs conseillers financiers ne font aucun effort pour aider les investisseurs \u00e0 comprendre les frais qu\u2019ils paient.<\/p>\n

Le site Web de la Commission des valeurs mobili\u00e8res de l\u2019Ontario propose une calculatrice fort utile : \u00ab How Much Do My Mutual Funds Really Cost? \u00bb (Combien me co\u00fbtent vraiment mes fonds communs de placement?) \u2013 http:\/\/www.getsmarteraboutmoney.ca\/tools-and-calculators\/mutual-funds\/default.aspx<\/b><\/a>.<\/p>\n

Cette calculatrice vous permet de s\u00e9lectionner l\u2019un ou l\u2019autre des fonds propos\u00e9s par les principales soci\u00e9t\u00e9s de fonds communs de placement. La calculatrice vous affichera automatiquement une estimation (calcul\u00e9e en fonction des rendements pass\u00e9s du fonds et du montant courant des frais annuels) du rendement auquel vous pourrez vous attendre sur votre placement et du montant que vous payerez en frais sur une p\u00e9riode d\u2019investissement pouvant atteindre 25 ans.<\/p>\n

Par exemple, si vous investissez 1000 $ dans le fonds \u00e9quilibr\u00e9 de croissance et d\u2019investissement Keystone de Mackenzie Placements, au terme d\u2019une p\u00e9riode de 20 ans, vous pourrez vous attendre \u00e0 un rendement annuel moyen de 1352,17 $ apr\u00e8s avoir pay\u00e9 des frais de 1,52 %. Vous paieriez 2,44 % en frais par ann\u00e9e, repr\u00e9sentant un total annuel de 565,33 $. Donc, Mackenzie gagnera 565,33 $ sur votre \u00e9pargne, et il vous n\u2019en restera que 352,17 $.<\/p>\n

Si vous avez d\u00e9j\u00e0 investi dans des fonds communs de placement ou pr\u00e9voyez le faire, vous avez tout int\u00e9r\u00eat \u00e0 utiliser cette calculatrice pour conna\u00eetre l\u2019incidence des frais annuels sur votre portefeuille de placements. Ensuite, pr\u00e9sentez ces chiffres \u00e0 votre conseiller financier et demandez-lui de vous expliquer les frais que vous payez \u00e0 la lumi\u00e8re du rendement que vous obtenez sur vos placements.<\/p>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Nombre de Canadiens investissent leur \u00e9pargne-retraite et leurs autres \u00e9conomies dans des fonds communs de placement, souvent sur recommandation de leur \u00ab conseiller financier\/vendeur de fonds mutuels \u00bb. Fait notable, bon nombre de ces Canadiens n\u2019ont aucune id\u00e9e du montant qu\u2019ils paient en frais ou de combien des frais annuels apparemment minimes peuvent nuire au […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27],"tags":[],"class_list":["post-28099","post","type-post","status-publish","format-standard","hentry","category-les-nouvelles-des-machinistes-50"],"acf":[],"yoast_head":"\nLa grande bouch\u00e9e : frais per\u00e7us par les REER et les fonds communs de placement - I Am Union<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"La grande bouch\u00e9e : frais per\u00e7us par les REER et les fonds communs de placement - I Am Union\" \/>\n<meta property=\"og:description\" content=\"Nombre de Canadiens investissent leur \u00e9pargne-retraite et leurs autres \u00e9conomies dans des fonds communs de placement, souvent sur recommandation de leur \u00ab conseiller financier\/vendeur de fonds mutuels \u00bb. 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