{"id":634,"date":"2026-10-29T00:04:32","date_gmt":"2026-10-29T04:04:32","guid":{"rendered":"https:\/\/gmat40.com\/?page_id=634"},"modified":"2026-10-29T00:04:32","modified_gmt":"2026-10-29T00:04:32","slug":"retirement-planning-101-the-three-pillars-of-canadian-retirement-income","status":"publish","type":"page","link":"https:\/\/gmat40.com\/fr\/topics\/retirement\/retirement-planning-101-the-three-pillars-of-canadian-retirement-income\/","title":{"rendered":"Planification de la retraite\u00a0: les trois piliers du revenu de retraite au Canada"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"634\" class=\"elementor elementor-634\">\n\t\t\t\t<section class=\"elementor-element elementor-element-8a314dc e-con e-atomic-element e-flexbox-base e-default-section section-white\" data-id=\"8a314dc\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"8a314dc\">\n    <div class=\"elementor-element elementor-element-77ee035 e-con e-atomic-element e-flexbox-base e-default-div article-layout\" data-id=\"77ee035\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"77ee035\">\n    <article class=\"elementor-element elementor-element-e69ad10 e-con e-atomic-element e-flexbox-base e-default-article article-main\" data-id=\"e69ad10\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"e69ad10\">\n    <div class=\"elementor-element elementor-element-27421ae e-con e-atomic-element e-flexbox-base e-default-div article-head\" data-id=\"27421ae\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"27421ae\">\n    <div class=\"elementor-element elementor-element-e80cf29 e-con e-atomic-element e-flexbox-base e-default-div breadcrumb\" data-id=\"e80cf29\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"e80cf29\">\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=\"cf56212\">\n\tBiblioth\u00e8que\n<\/a>\n\t\t\t\t\t<span class=\"breadcrumb-sep e-paragraph-base e-default-span\" data-interaction-id=\"aa5491c\">\/<\/span>\n\t\t\t\t\t<a href=\"https:\/\/gmat40.com\/fr\/topics\/retirement\/\" target=\"_self\" class=\"breadcrumb-link e-button-base e-default-a\" data-interaction-id=\"6049348\">\n\tRetraite\n<\/a>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-4c7549d e-con e-atomic-element e-flexbox-base e-default-div article-meta\" data-id=\"4c7549d\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"4c7549d\">\n    \t\t\t<span class=\"tag e-paragraph-base e-default-span\" data-interaction-id=\"20cba9c\">Premium<\/span>\n\t\t\t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"8141b35\">Article 1 sur 10<\/span>\n\t\t\t\t\t<span class=\"meta-text e-paragraph-base e-default-span\" data-interaction-id=\"b7e0e3e\">2 min de lecture<\/span>\n\t\t\n<\/div>\n\t\t\t<h1 data-interaction-id=\"080a491\" class=\"title-lg e-heading-base e-default-h1\">Planification de la retraite\u00a0: les trois piliers du revenu de retraite au Canada<\/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=\"0a69a39\" id=\"168\" src=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-27-1024x714.webp\" width=\"1024\" height=\"714\" srcset=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-27-1024x714.webp 1024w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-27-300x209.webp 300w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-27-768x535.webp 768w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-27-1536x1070.webp 1536w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-27-18x12.webp 18w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-27-600x418.webp 600w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-27.webp 1600w\" alt=\"Illustration of a man sitting by coins and a bar chart\"\/>\t\t<div class=\"elementor-element elementor-element-803ec0b e-con e-atomic-element e-flexbox-base e-default-div prose\" data-id=\"803ec0b\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"803ec0b\" id=\"article-preview\">\n    \t\t\t<p class=\"prose-p e-paragraph-base e-default-p\" data-interaction-id=\"34fac6a\">La retraite, c&#039;est tout simplement la p\u00e9riode de la vie o\u00f9 vos revenus cessent et o\u00f9 vos \u00e9conomies, votre pension et vos prestations commencent \u00e0 couvrir vos d\u00e9penses. La pr\u00e9parer t\u00f4t est l&#039;une des meilleures choses que vous puissiez faire pour votre avenir.<\/p>\n\t\t\t\t\t<h2 data-interaction-id=\"55487dd\" class=\"prose-heading e-heading-base e-default-h2\">Les trois piliers<\/h2>\n\t\t\n<\/div>\n\n<div class=\"elementor-element elementor-element-7fb43dd e-con e-atomic-element e-flexbox-base e-default-div gate-panel\" data-id=\"7fb43dd\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"7fb43dd\" id=\"article-gate\">\n    \t\t\t<span class=\"tag e-paragraph-base e-default-span\" data-interaction-id=\"88f6eae\">Article Premium<\/span>\n\t\t\t\t\t<h2 data-interaction-id=\"9ddac69\" 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=\"6848770\">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-bfac512 e-con e-atomic-element e-flexbox-base e-default-div button-row\" data-id=\"bfac512\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"bfac512\">\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=\"82e7a9f\">\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=\"ba6f0a3\">\n\tSe connecter\n<\/a>\n\t\t\n<\/div>\n\n<\/div>\n<div class=\"elementor-element elementor-element-b445f83 e-con e-atomic-element e-flexbox-base e-default-div article-nav\" data-id=\"b445f83\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"b445f83\">\n    <a class=\"elementor-element elementor-element-ff47ad6 e-con e-atomic-element e-flexbox-base e-default-a article-nav-next\" data-id=\"ff47ad6\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"ff47ad6\" href=\"https:\/\/gmat40.com\/fr\/topics\/retirement\/cpp-explained-what-you-get-and-when-to-take-it\/\" target=\"_self\">\n    \t\t\t<span class=\"small e-paragraph-base e-default-span\" data-interaction-id=\"e75044f\">Suivant<\/span>\n\t\t\t\t\t<span class=\"title-sm e-paragraph-base e-default-span\" data-interaction-id=\"421153d\">Le programme de pensions alimentaires (CPP) expliqu\u00e9 : ce que vous obtenez et quand le prendre<\/span>\n\t\t\n<\/a>\n\n<\/div>\n\n<\/article>\n<aside class=\"elementor-element elementor-element-5a7a6d3 e-con e-atomic-element e-flexbox-base e-default-aside article-aside\" data-id=\"5a7a6d3\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"5a7a6d3\">\n    <div class=\"elementor-element elementor-element-0ccc181 e-con e-atomic-element e-flexbox-base e-default-div side-panel\" data-id=\"0ccc181\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"0ccc181\">\n    <div class=\"elementor-element elementor-element-aa83d91 e-con e-atomic-element e-flexbox-base e-default-div eyebrow\" data-id=\"aa83d91\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"aa83d91\">\n    \t\t\t\n<hr class=\"eyebrow-mark e-divider-base\" data-interaction-id=\"705d944\" \/>\n\t\t\t\t\t<span class=\"eyebrow-text e-paragraph-base e-default-span\" data-interaction-id=\"b268fc2\">Dans ce sujet<\/span>\n\t\t\n<\/div>\n<a class=\"elementor-element elementor-element-957dd8a e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"957dd8a\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"957dd8a\" href=\"https:\/\/gmat40.com\/fr\/topics\/retirement\/retirement-planning-101-the-three-pillars-of-canadian-retirement-income\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"f1f3ed1\">01<\/span>\n\t\t\t\t\t<span class=\"side-link-text-active e-paragraph-base e-default-span\" data-interaction-id=\"e1d6173\">Planification de la retraite\u00a0: les trois piliers du revenu de retraite au Canada<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-ef1347b e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"ef1347b\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"ef1347b\" href=\"https:\/\/gmat40.com\/fr\/topics\/retirement\/cpp-explained-what-you-get-and-when-to-take-it\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"a8ef362\">02<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"f6f2b46\">Le programme de pensions alimentaires (CPP) expliqu\u00e9 : ce que vous obtenez et quand le prendre<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-95d16b5 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"95d16b5\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"95d16b5\" href=\"https:\/\/gmat40.com\/fr\/topics\/retirement\/oas-and-gis-government-support-after-65\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"3b95102\">03<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"e986540\">SV et SRG : le soutien gouvernemental apr\u00e8s 65 ans<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-61e80a4 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"61e80a4\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"61e80a4\" href=\"https:\/\/gmat40.com\/fr\/topics\/retirement\/workplace-pensions-db-dc-and-group-rrsps-made-simple\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"97d66eb\">04<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"9b889a0\">R\u00e9gimes de retraite en milieu de travail\u00a0: r\u00e9gimes \u00e0 prestations d\u00e9termin\u00e9es, \u00e0 cotisations d\u00e9termin\u00e9es et REER collectifs expliqu\u00e9s simplement<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-54fb3eb e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"54fb3eb\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"54fb3eb\" href=\"https:\/\/gmat40.com\/fr\/topics\/retirement\/saving-for-retirement-at-every-age-20s-to-50s-and-beyond\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"d05a5c6\">05<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"8e32e57\">\u00c9pargner pour sa retraite \u00e0 tout \u00e2ge\u00a0: de 20 \u00e0 50\u00a0ans et plus<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-9327931 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"9327931\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"9327931\" href=\"https:\/\/gmat40.com\/fr\/topics\/retirement\/rrsp-rrif-and-tfsa-in-retirement-turning-savings-into-income\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"7856e80\">06<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"52d4329\">REER, FERR et CELI \u00e0 la retraite\u00a0: transformer son \u00e9pargne en revenu<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-72baeab e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"72baeab\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"72baeab\" href=\"https:\/\/gmat40.com\/fr\/topics\/retirement\/how-much-do-you-need-to-retire-a-simple-way-to-estimate\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"ca1fbcb\">07<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"24c9d24\">De combien avez-vous besoin pour votre retraite\u00a0? Une m\u00e9thode simple pour l\u2019estimer<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-867522a e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"867522a\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"867522a\" href=\"https:\/\/gmat40.com\/fr\/topics\/retirement\/newcomers-and-retirement-cpp-oas-and-pensions-from-abroad\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"192f84b\">08<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"687bda1\">Nouveaux arrivants et retraite : RPC, SV et pensions de l&#039;\u00e9tranger<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-fbca511 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"fbca511\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"fbca511\" href=\"https:\/\/gmat40.com\/fr\/topics\/retirement\/making-your-money-last-withdrawals-inflation-and-longevity\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"f89e77d\">09<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"4595094\">Faire durer son argent : retraits, inflation et long\u00e9vit\u00e9<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-3c60798 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"3c60798\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"3c60798\" href=\"https:\/\/gmat40.com\/fr\/topics\/retirement\/beyond-the-money-healthcare-housing-purpose-and-staying-safe-in-retirement\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"baf69af\">10<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"a71da35\">Au-del\u00e0 de l&#039;argent : sant\u00e9, logement, sens de la vie et s\u00e9curit\u00e9 \u00e0 la retraite<\/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=\"274557d\">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 \/ Retirement Premium Article 1 of 10 2 min read Retirement Planning 101: The Three Pillars of Canadian Retirement [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":633,"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-634","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - 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