{"id":598,"date":"2026-10-29T00:04:28","date_gmt":"2026-10-29T04:04:28","guid":{"rendered":"https:\/\/gmat40.com\/?page_id=598"},"modified":"2026-10-29T00:04:28","modified_gmt":"2026-10-29T00:04:28","slug":"pre-retirees-planning-your-retirement-income","status":"publish","type":"page","link":"https:\/\/gmat40.com\/fr\/topics\/financial-planning\/pre-retirees-planning-your-retirement-income\/","title":{"rendered":"Pr\u00e9retrait\u00e9s : Planifier ses revenus de retraite"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"598\" class=\"elementor elementor-598\">\n\t\t\t\t<section class=\"elementor-element elementor-element-4586e0b e-con e-atomic-element e-flexbox-base e-default-section section-white\" data-id=\"4586e0b\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"4586e0b\">\n    <div class=\"elementor-element elementor-element-53ce95f e-con e-atomic-element e-flexbox-base e-default-div article-layout\" data-id=\"53ce95f\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"53ce95f\">\n    <article class=\"elementor-element elementor-element-7642959 e-con e-atomic-element e-flexbox-base e-default-article article-main\" data-id=\"7642959\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"7642959\">\n    <div class=\"elementor-element elementor-element-ed44f50 e-con e-atomic-element e-flexbox-base e-default-div article-head\" data-id=\"ed44f50\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"ed44f50\">\n    <div class=\"elementor-element elementor-element-4c04a40 e-con e-atomic-element e-flexbox-base e-default-div breadcrumb\" data-id=\"4c04a40\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"4c04a40\">\n    \t\t\t<a href=\"https:\/\/gmat40.com\/fr\/library\/\" target=\"_self\" class=\"breadcrumb-link e-button-base e-default-a\" data-interaction-id=\"5223116\">\n\tBiblioth\u00e8que\n<\/a>\n\t\t\t\t\t<span class=\"breadcrumb-sep e-paragraph-base e-default-span\" data-interaction-id=\"d7299c2\">\/<\/span>\n\t\t\t\t\t<a href=\"https:\/\/gmat40.com\/fr\/topics\/financial-planning\/\" target=\"_self\" class=\"breadcrumb-link e-button-base e-default-a\" data-interaction-id=\"ffaa50e\">\n\tPlanification financi\u00e8re\n<\/a>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-2be68c4 e-con e-atomic-element e-flexbox-base e-default-div article-meta\" data-id=\"2be68c4\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"2be68c4\">\n    \t\t\t<span class=\"tag e-paragraph-base e-default-span\" data-interaction-id=\"467ccae\">Premium<\/span>\n\t\t\t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"064f5e9\">Article 9 sur 10<\/span>\n\t\t\t\t\t<span class=\"meta-text e-paragraph-base e-default-span\" data-interaction-id=\"eebd2e9\">2 min de lecture<\/span>\n\t\t\n<\/div>\n\t\t\t<h1 data-interaction-id=\"1951802\" class=\"title-lg e-heading-base e-default-h1\">Pr\u00e9retrait\u00e9s : Planifier ses revenus de retraite<\/h1>\n\t\t\n<\/div>\n\t\t\t<img fetchpriority=\"high\" decoding=\"async\" class=\"e-image-base e-default-img article-cover\" data-interaction-id=\"65f995b\" id=\"165\" src=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-22-1024x714.webp\" width=\"1024\" height=\"714\" srcset=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-22-1024x714.webp 1024w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-22-300x209.webp 300w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-22-768x535.webp 768w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-22-1536x1070.webp 1536w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-22-18x12.webp 18w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-22-600x418.webp 600w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-22.webp 1600w\" alt=\"Illustration of a man leaning on a tall stack of coins\"\/>\t\t<div class=\"elementor-element elementor-element-953a7cf e-con e-atomic-element e-flexbox-base e-default-div prose\" data-id=\"953a7cf\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"953a7cf\" id=\"article-preview\">\n    \t\t\t<p class=\"prose-p e-paragraph-base e-default-p\" data-interaction-id=\"63d7726\">Si la retraite est pr\u00e9vue dans une dizaine ou une quinzaine d&#039;ann\u00e9es, votre priorit\u00e9 passera de la constitution d&#039;un patrimoine \u00e0 sa transformation en un revenu stable. La question essentielle sera alors\u00a0: \u00ab D&#039;o\u00f9 proviendront mes revenus mensuels\u00a0? \u00bb<\/p>\n\t\t\t\t\t<h2 data-interaction-id=\"43b67f7\" class=\"prose-heading e-heading-base e-default-h2\">\u00c9tape 1 : Estimez vos d\u00e9penses<\/h2>\n\t\t\n<\/div>\n\n<div class=\"elementor-element elementor-element-5147424 e-con e-atomic-element e-flexbox-base e-default-div gate-panel\" data-id=\"5147424\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"5147424\" id=\"article-gate\">\n    \t\t\t<span class=\"tag e-paragraph-base e-default-span\" data-interaction-id=\"aede14c\">Article Premium<\/span>\n\t\t\t\t\t<h2 data-interaction-id=\"89ab780\" class=\"title-md e-heading-base e-default-h2\">Cet article fait partie de l&#039;abonnement Premium.<\/h2>\n\t\t\t\t\t<p class=\"text e-paragraph-base e-default-p\" data-interaction-id=\"7e8cbfb\">Les membres Premium ont acc\u00e8s \u00e0 l&#039;int\u00e9gralit\u00e9 des 100 articles et b\u00e9n\u00e9ficient de conseils, d&#039;ateliers et de s\u00e9minaires sans frais suppl\u00e9mentaires. L&#039;abonnement Premium co\u00fbte 49,99\u00a0$ par an.<\/p>\n\t\t<div class=\"elementor-element elementor-element-946f114 e-con e-atomic-element e-flexbox-base e-default-div button-row\" data-id=\"946f114\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"946f114\">\n    \t\t\t<a href=\"https:\/\/gmat40.com\/fr\/membership\/\" target=\"_self\" class=\"button-primary e-button-base e-default-a\" data-interaction-id=\"e7254bc\">\n\tChoisissez Premium\n<\/a>\n\t\t\t\t\t<a href=\"https:\/\/gmat40.com\/wp-login.php\" target=\"_self\" class=\"button-ghost e-button-base e-default-a\" data-interaction-id=\"9c4d316\">\n\tSe connecter\n<\/a>\n\t\t\n<\/div>\n\n<\/div>\n<div class=\"elementor-element elementor-element-004be31 e-con e-atomic-element e-flexbox-base e-default-div article-nav\" data-id=\"004be31\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"004be31\">\n    <a class=\"elementor-element elementor-element-0091ca9 e-con e-atomic-element e-flexbox-base e-default-a article-nav-link\" data-id=\"0091ca9\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"0091ca9\" href=\"https:\/\/gmat40.com\/fr\/topics\/financial-planning\/start-early-the-quiet-power-of-compounding\/\" target=\"_self\">\n    \t\t\t<span class=\"small e-paragraph-base e-default-span\" data-interaction-id=\"06b8df7\">Pr\u00e9c\u00e9dent<\/span>\n\t\t\t\t\t<span class=\"title-sm e-paragraph-base e-default-span\" data-interaction-id=\"57f9178\">Commencez t\u00f4t : le pouvoir discret des int\u00e9r\u00eats compos\u00e9s<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-bee7e59 e-con e-atomic-element e-flexbox-base e-default-a article-nav-next\" data-id=\"bee7e59\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"bee7e59\" href=\"https:\/\/gmat40.com\/fr\/topics\/financial-planning\/wills-beneficiaries-and-your-annual-financial-check-up\/\" target=\"_self\">\n    \t\t\t<span class=\"small e-paragraph-base e-default-span\" data-interaction-id=\"d07ff77\">Suivant<\/span>\n\t\t\t\t\t<span class=\"title-sm e-paragraph-base e-default-span\" data-interaction-id=\"461e4c2\">Testaments, b\u00e9n\u00e9ficiaires et votre bilan financier annuel<\/span>\n\t\t\n<\/a>\n\n<\/div>\n\n<\/article>\n<aside class=\"elementor-element elementor-element-58f0ffd e-con e-atomic-element e-flexbox-base e-default-aside article-aside\" data-id=\"58f0ffd\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"58f0ffd\">\n    <div class=\"elementor-element elementor-element-d7b764d e-con e-atomic-element e-flexbox-base e-default-div side-panel\" data-id=\"d7b764d\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"d7b764d\">\n    <div class=\"elementor-element elementor-element-ddfce1c e-con e-atomic-element e-flexbox-base e-default-div eyebrow\" data-id=\"ddfce1c\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"ddfce1c\">\n    \t\t\t\n<hr class=\"eyebrow-mark e-divider-base\" data-interaction-id=\"db1e5d2\" \/>\n\t\t\t\t\t<span class=\"eyebrow-text e-paragraph-base e-default-span\" data-interaction-id=\"33e33ad\">Dans ce sujet<\/span>\n\t\t\n<\/div>\n<a class=\"elementor-element elementor-element-8e8182c e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"8e8182c\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"8e8182c\" href=\"https:\/\/gmat40.com\/fr\/topics\/financial-planning\/what-is-financial-planning-and-why-does-it-matter\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"ab7f8e3\">01<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"6078d09\">Qu\u2019est-ce que la planification financi\u00e8re et pourquoi est-elle importante\u00a0?<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-ca6792c e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"ca6792c\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"ca6792c\" href=\"https:\/\/gmat40.com\/fr\/topics\/financial-planning\/set-money-goals-that-actually-stick\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"9ef6886\">02<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"658b924\">Fixez-vous des objectifs financiers que vous tiendrez vraiment<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-9f69489 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"9f69489\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"9f69489\" href=\"https:\/\/gmat40.com\/fr\/topics\/financial-planning\/budgeting-basics-telling-your-money-where-to-go\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"94cf380\">03<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"9636290\">Les bases de la gestion budg\u00e9taire\u00a0: comment allouer son argent<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-7dc65c7 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"7dc65c7\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"7dc65c7\" href=\"https:\/\/gmat40.com\/fr\/topics\/financial-planning\/your-emergency-fund-the-foundation-of-every-plan\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"0ab353b\">04<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"1d7ac50\">Votre fonds d&#039;urgence : la base de tout plan<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-79b7ab1 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"79b7ab1\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"79b7ab1\" href=\"https:\/\/gmat40.com\/fr\/topics\/financial-planning\/insurance-basics-protecting-what-you-are-building\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"f512141\">05<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"869083c\">Principes de base de l&#039;assurance\u00a0: prot\u00e9ger ce que vous construisez<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-bfbee39 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"bfbee39\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"bfbee39\" href=\"https:\/\/gmat40.com\/fr\/topics\/financial-planning\/tfsa-rrsp-and-fhsa-canadas-registered-accounts-in-plain-language\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"6e0dc5a\">06<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"a7396a0\">CELI, REER et CAF\u00a0: Les comptes enregistr\u00e9s du Canada expliqu\u00e9s en langage clair<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-1e8d7c4 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"1e8d7c4\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"1e8d7c4\" href=\"https:\/\/gmat40.com\/fr\/topics\/financial-planning\/new-to-canada-your-first-year-financial-plan\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"0027bdf\">07<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"ce9dc98\">Vous venez d&#039;arriver au Canada\u00a0? Votre plan financier pour la premi\u00e8re ann\u00e9e<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-05c215b e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"05c215b\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"05c215b\" href=\"https:\/\/gmat40.com\/fr\/topics\/financial-planning\/start-early-the-quiet-power-of-compounding\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"ba290b9\">08<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"b8c666c\">Commencez t\u00f4t : le pouvoir discret des int\u00e9r\u00eats compos\u00e9s<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-4e7ee70 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"4e7ee70\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"4e7ee70\" href=\"https:\/\/gmat40.com\/fr\/topics\/financial-planning\/pre-retirees-planning-your-retirement-income\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"7aa8515\">09<\/span>\n\t\t\t\t\t<span class=\"side-link-text-active e-paragraph-base e-default-span\" data-interaction-id=\"75679c5\">Pr\u00e9retrait\u00e9s : Planifier ses revenus de retraite<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-981da57 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"981da57\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"981da57\" href=\"https:\/\/gmat40.com\/fr\/topics\/financial-planning\/wills-beneficiaries-and-your-annual-financial-check-up\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"dc5086c\">10<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"7cfe58b\">Testaments, b\u00e9n\u00e9ficiaires et votre bilan financier annuel<\/span>\n\t\t\n<\/a>\n\n<\/div>\n\t\t\t<p class=\"small e-paragraph-base e-default-p\" data-interaction-id=\"32210f5\">Ce contenu est fourni \u00e0 titre informatif uniquement et ne constitue pas un conseil financier, juridique ou fiscal. Les taux, les limites et les r\u00e8gles \u00e9tant susceptibles d&#039;\u00e9voluer, veuillez v\u00e9rifier les informations en vigueur aupr\u00e8s de votre \u00e9tablissement financier ou de l&#039;organisme gouvernemental comp\u00e9tent.<\/p>\n\t\t\n<\/aside>\n\n<\/div>\n\n<\/section>\n\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Library \/ Financial Planning Premium Article 9 of 10 2 min read Pre-Retirees: Planning Your Retirement Income If retirement is [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":589,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"full-width-container","site-content-style":"unboxed","site-sidebar-style":"unboxed","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-598","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - 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