{"id":28198,"date":"2012-03-22T21:22:33","date_gmt":"2012-03-22T21:22:33","guid":{"rendered":"https:\/\/iamunion.kinex12.com\/?p=28198"},"modified":"2026-02-13T08:53:23","modified_gmt":"2026-02-13T08:53:23","slug":"rver-le-quebec-marque-le-pas-mais-fait-fausse-route","status":"publish","type":"post","link":"https:\/\/iamunion.kinex12.com\/fr\/rver-le-quebec-marque-le-pas-mais-fait-fausse-route\/","title":{"rendered":"RVER : le Qu\u00e9bec marque le pas, mais fait fausse route\u2026"},"content":{"rendered":"<div class=\"body\">\n<div>\n<p style=\"text-align: center;\"><img loading=\"lazy\" decoding=\"async\" src=\"http:\/\/www.iamaw.ca\/100\/VRSP_e.jpg\" height=\"150\" width=\"140\" \/><\/p>\n<p><a href=\"\/\">HAUT<\/p>\n<p style=\"text-align: center;\"><img loading=\"lazy\" decoding=\"async\" src=\"http:\/\/www.iamaw.ca\/publications\/column_erlichman\/erlichman140px.jpg\" height=\"70\" width=\"140\" \/><\/p>\n<p>Le Qu\u00e9bec est la premi\u00e8re province \u00e0 annoncer les modalit\u00e9s d\u2019un programme de r\u00e9gimes de pension agr\u00e9\u00e9s collectifs (RPAC), le r\u00e9gime d\u2019\u00e9pargne volontaire que le gouvernement f\u00e9d\u00e9ral vante comme la solution \u00e0 la crise grandissante des revenus de retraite qui secoue notre pays.<\/p>\n<p>Dans son budget 2012 d\u00e9pos\u00e9 le 20 mars, le gouvernement du Qu\u00e9bec annonce les r\u00e8gles applicables aux r\u00e9gimes volontaires d\u2019\u00e9pargne-retraite (RVER) qui entreront en vigueur le 1er janvier 2013.<\/p>\n<p>Tous les employeurs du Qu\u00e9bec qui ont cinq employ\u00e9s ou plus, dont au moins un compte un minimum d\u2019une ann\u00e9e de service sans interruption, et qui n\u2019offrent pas d\u00e9j\u00e0 un r\u00e9gime d\u2019\u00e9pargne-retraite par pr\u00e9l\u00e8vements \u00e0 la source (par exemple, un REER collectif) devront, \u00e0 compter du 1er janvier 2015, opter pour un RVER (essentiellement, un r\u00e9gime d\u2019\u00e9pargne-retraite similaire \u00e0 un REER) propos\u00e9 par une institution financi\u00e8re et l\u2019offrir \u00e0 leurs employ\u00e9s. Il appert que les employeurs qui offrent d\u00e9j\u00e0 un r\u00e9gime de retraite agr\u00e9\u00e9 non contributif seront \u00e9galement tenus d\u2019offrir un RVER.<\/p>\n<p>L\u2019employeur n\u2019est pas tenu de contribuer au RVER, mais il doit \u00e9tablir le taux de cotisation des employ\u00e9s. Chaque employ\u00e9 a la possibilit\u00e9 de se soustraire du RVER dans les 60 jours suivant son adh\u00e9sion ou ult\u00e9rieurement.<\/p>\n<p>L\u2019employ\u00e9 a la libert\u00e9 de choisir et de modifier lui-m\u00eame son taux de cotisation au RVER (tout en respectant les limites fiscales applicables aux contributions \u00e0 un r\u00e9gime de pension ou un REER). Cependant, si aucun choix n\u2019est fait, les taux de cotisation d\u2019employ\u00e9 par d\u00e9faut seront fix\u00e9s \u00e0 2 % du 1er janvier 2013 au 31 d\u00e9cembre 2015, \u00e0 3 % du 1er janvier 2016 au 31 d\u00e9cembre 2016 et \u00e0 4 % \u00e0 compter du 1er janvier 2017.<\/p>\n<p>\u00c0 l\u2019instar des cotisations \u00e0 un REER, les cotisations \u00e0 un RVER seront d\u00e9ductibles du revenu imposable et s\u2019accumuleront \u00e0 l\u2019abri de l\u2019imp\u00f4t jusqu\u2019au moment du retrait.<\/p>\n<p>Jusqu\u2019\u00e0 six options de placement peuvent \u00eatre propos\u00e9es aux participants. L\u2019option par d\u00e9faut est un mod\u00e8le \u00ab cycle de vie \u00bb, selon lequel la politique de placement varie en fonction de l\u2019\u00e2ge du participant.<\/p>\n<p>Les contributions du participant ne sont pas immobilis\u00e9es et peuvent \u00eatre retir\u00e9es \u00e0 tout moment (elles s\u2019ajoutent d\u00e8s lors au revenu imposable du participant). Quant aux contributions de l\u2019employeur, elles ne peuvent \u00eatre retir\u00e9es avant que le participant n\u2019atteigne l\u2019\u00e2ge de 55 ans.<\/p>\n<p>On vante les RVER et autres RPAC comme une solution simple et \u00e9conomique au manque \u00e0 gagner grandissant dans l\u2019\u00e9pargne-retraite. Malheureusement, ces r\u00e9gimes ajoutent peu \u00e0 ce qui est d\u00e9j\u00e0 offert dans le march\u00e9 des REER, lequel s\u2019est d\u00e9j\u00e0 prouv\u00e9 totalement inad\u00e9quat. Les RVER et RPAC sont sens\u00e9s co\u00fbter moins cher en frais d\u2019investissement que les REER, mais il est difficile de comprendre pourquoi les m\u00eames institutions financi\u00e8res qui r\u00e9coltent d\u2019\u00e9normes profits en gonflant les frais d\u2019investissement qu\u2019elles per\u00e7oivent de leurs clients accepteraient de r\u00e9duire ces frais au b\u00e9n\u00e9fice de leurs clients qui opteraient pour un RVER.<\/p>\n<p>Les RVER et l\u2019ensemble des RPAC propos\u00e9s ne constituent qu\u2019une tentative de l\u2019industrie des services financiers et d\u2019un gouvernement qui lui est favorable de prot\u00e9ger ses march\u00e9s lucratifs de la v\u00e9ritable solution \u00e0 nos probl\u00e8mes de revenus de retraite, soit une importante bonification de nos r\u00e9gimes publics : la S\u00e9curit\u00e9 de la vieillesse, le Suppl\u00e9ment de revenu garanti, le R\u00e9gime de rentes du Qu\u00e9bec et le R\u00e9gime de pensions du Canada. Ces r\u00e9gimes publics peuvent assurer une couverture et un rapport co\u00fbt-efficacit\u00e9 qu\u2019aucun r\u00e9gime priv\u00e9 ne peut \u00e9galer.<\/p>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>HAUT Le Qu\u00e9bec est la premi\u00e8re province \u00e0 annoncer les modalit\u00e9s d\u2019un programme de r\u00e9gimes de pension agr\u00e9\u00e9s collectifs (RPAC), le r\u00e9gime d\u2019\u00e9pargne volontaire que le gouvernement f\u00e9d\u00e9ral vante comme la solution \u00e0 la crise grandissante des revenus de retraite qui secoue notre pays. Dans son budget 2012 d\u00e9pos\u00e9 le 20 mars, le gouvernement du [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":28931,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[24],"tags":[],"class_list":["post-28198","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-campagnes-50"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>RVER : le Qu\u00e9bec marque le pas, mais fait fausse route\u2026 - 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=\"RVER : le Qu\u00e9bec marque le pas, mais fait fausse route\u2026 - I Am Union\" \/>\n<meta property=\"og:description\" content=\"HAUT Le Qu\u00e9bec est la premi\u00e8re province \u00e0 annoncer les modalit\u00e9s d\u2019un programme de r\u00e9gimes de pension agr\u00e9\u00e9s collectifs (RPAC), le r\u00e9gime d\u2019\u00e9pargne volontaire que le gouvernement f\u00e9d\u00e9ral vante comme la solution \u00e0 la crise grandissante des revenus de retraite qui secoue notre pays. 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