{"id":638,"date":"2026-10-29T00:04:36","date_gmt":"2026-10-29T04:04:36","guid":{"rendered":"https:\/\/gmat40.com\/?page_id=638"},"modified":"2026-10-29T00:04:36","modified_gmt":"2026-10-29T00:04:36","slug":"saving-for-retirement-at-every-age-20s-to-50s-and-beyond","status":"publish","type":"page","link":"https:\/\/gmat40.com\/fr\/topics\/retirement\/saving-for-retirement-at-every-age-20s-to-50s-and-beyond\/","title":{"rendered":"\u00c9pargner pour sa retraite \u00e0 tout \u00e2ge\u00a0: de 20 \u00e0 50\u00a0ans et plus"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"638\" class=\"elementor elementor-638\">\n\t\t\t\t<section class=\"elementor-element elementor-element-e712ce3 e-con e-atomic-element e-flexbox-base e-default-section section-white\" data-id=\"e712ce3\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"e712ce3\">\n    <div class=\"elementor-element elementor-element-bbba633 e-con e-atomic-element e-flexbox-base e-default-div article-layout\" data-id=\"bbba633\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"bbba633\">\n    <article class=\"elementor-element elementor-element-99b4c4f e-con e-atomic-element e-flexbox-base e-default-article article-main\" data-id=\"99b4c4f\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"99b4c4f\">\n    <div class=\"elementor-element elementor-element-ec73b4a e-con e-atomic-element e-flexbox-base e-default-div article-head\" data-id=\"ec73b4a\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"ec73b4a\">\n    <div class=\"elementor-element elementor-element-421902b e-con e-atomic-element e-flexbox-base e-default-div breadcrumb\" data-id=\"421902b\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"421902b\">\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=\"a224001\">\n\tBiblioth\u00e8que\n<\/a>\n\t\t\t\t\t<span class=\"breadcrumb-sep e-paragraph-base e-default-span\" data-interaction-id=\"607adbf\">\/<\/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=\"dfb4d40\">\n\tRetraite\n<\/a>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-b698fc6 e-con e-atomic-element e-flexbox-base e-default-div article-meta\" data-id=\"b698fc6\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"b698fc6\">\n    \t\t\t<span class=\"tag e-paragraph-base e-default-span\" data-interaction-id=\"7ae121c\">Premium<\/span>\n\t\t\t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"c380434\">Article 5 sur 10<\/span>\n\t\t\t\t\t<span class=\"meta-text e-paragraph-base e-default-span\" data-interaction-id=\"19e05d5\">2 min de lecture<\/span>\n\t\t\n<\/div>\n\t\t\t<h1 data-interaction-id=\"6e65f94\" class=\"title-lg e-heading-base e-default-h1\">\u00c9pargner pour sa retraite \u00e0 tout \u00e2ge\u00a0: de 20 \u00e0 50\u00a0ans et plus<\/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=\"b461080\" id=\"50\" src=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-53-1024x1024.webp\" width=\"1024\" height=\"1024\" srcset=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-53-1024x1024.webp 1024w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-53-300x300.webp 300w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-53-150x150.webp 150w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-53-768x768.webp 768w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-53-1536x1536.webp 1536w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-53-12x12.webp 12w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-53-600x600.webp 600w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-53-100x100.webp 100w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-53.webp 1600w\" alt=\"Illustration for the article: Track Before You Budget: Finding Where Your Money Really Goes\"\/>\t\t<div class=\"elementor-element elementor-element-2ec0762 e-con e-atomic-element e-flexbox-base e-default-div prose\" data-id=\"2ec0762\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"2ec0762\" id=\"article-preview\">\n    \t\t\t<p class=\"prose-p e-paragraph-base e-default-p\" data-interaction-id=\"4363fff\">Le meilleur moment pour commencer \u00e0 \u00e9pargner pour sa retraite, c&#039;\u00e9tait il y a des ann\u00e9es. Le deuxi\u00e8me meilleur moment, c&#039;est aujourd&#039;hui. Voici sur quoi se concentrer \u00e0 chaque \u00e9tape de la vie.<\/p>\n\t\t\t\t\t<h2 data-interaction-id=\"a4c5e1c\" class=\"prose-heading e-heading-base e-default-h2\">Dans la vingtaine\u00a0: prenez l\u2019habitude<\/h2>\n\t\t\n<\/div>\n\n<div class=\"elementor-element elementor-element-eb1ae4c e-con e-atomic-element e-flexbox-base e-default-div gate-panel\" data-id=\"eb1ae4c\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"eb1ae4c\" id=\"article-gate\">\n    \t\t\t<span class=\"tag e-paragraph-base e-default-span\" data-interaction-id=\"88c6995\">Article Premium<\/span>\n\t\t\t\t\t<h2 data-interaction-id=\"9c50166\" 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=\"d156c59\">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-fb00927 e-con e-atomic-element e-flexbox-base e-default-div button-row\" data-id=\"fb00927\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"fb00927\">\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=\"248adaa\">\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=\"fbd180f\">\n\tSe connecter\n<\/a>\n\t\t\n<\/div>\n\n<\/div>\n<div class=\"elementor-element elementor-element-28e23af e-con e-atomic-element e-flexbox-base e-default-div article-nav\" data-id=\"28e23af\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"28e23af\">\n    <a class=\"elementor-element elementor-element-e0e6c38 e-con e-atomic-element e-flexbox-base e-default-a article-nav-link\" data-id=\"e0e6c38\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"e0e6c38\" href=\"https:\/\/gmat40.com\/fr\/topics\/retirement\/workplace-pensions-db-dc-and-group-rrsps-made-simple\/\" target=\"_self\">\n    \t\t\t<span class=\"small e-paragraph-base e-default-span\" data-interaction-id=\"ad0577a\">Pr\u00e9c\u00e9dent<\/span>\n\t\t\t\t\t<span class=\"title-sm e-paragraph-base e-default-span\" data-interaction-id=\"70ba634\">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-cb88039 e-con e-atomic-element e-flexbox-base e-default-a article-nav-next\" data-id=\"cb88039\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"cb88039\" 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=\"small e-paragraph-base e-default-span\" data-interaction-id=\"b74065c\">Suivant<\/span>\n\t\t\t\t\t<span class=\"title-sm e-paragraph-base e-default-span\" data-interaction-id=\"c5ce0ab\">REER, FERR et CELI \u00e0 la retraite\u00a0: transformer son \u00e9pargne en revenu<\/span>\n\t\t\n<\/a>\n\n<\/div>\n\n<\/article>\n<aside class=\"elementor-element elementor-element-d5a19d9 e-con e-atomic-element e-flexbox-base e-default-aside article-aside\" data-id=\"d5a19d9\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"d5a19d9\">\n    <div class=\"elementor-element elementor-element-6d0c504 e-con e-atomic-element e-flexbox-base e-default-div side-panel\" data-id=\"6d0c504\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"6d0c504\">\n    <div class=\"elementor-element elementor-element-92aeeea e-con e-atomic-element e-flexbox-base e-default-div eyebrow\" data-id=\"92aeeea\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"92aeeea\">\n    \t\t\t\n<hr class=\"eyebrow-mark e-divider-base\" data-interaction-id=\"22c5535\" \/>\n\t\t\t\t\t<span class=\"eyebrow-text e-paragraph-base e-default-span\" data-interaction-id=\"dcfa14d\">Dans ce sujet<\/span>\n\t\t\n<\/div>\n<a class=\"elementor-element elementor-element-17e3753 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"17e3753\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"17e3753\" 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=\"6e4b9c6\">01<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"183be74\">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-83b635d e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"83b635d\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"83b635d\" 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=\"ec95635\">02<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"f50d2cd\">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-81b6ee7 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"81b6ee7\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"81b6ee7\" 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=\"3a5f8d1\">03<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"3820428\">SV et SRG : le soutien gouvernemental apr\u00e8s 65 ans<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-be15b52 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"be15b52\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"be15b52\" 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=\"88e1fe4\">04<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"3ba416d\">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-284ef5b e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"284ef5b\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"284ef5b\" 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=\"b8df262\">05<\/span>\n\t\t\t\t\t<span class=\"side-link-text-active e-paragraph-base e-default-span\" data-interaction-id=\"26a87a6\">\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-1cf70f6 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"1cf70f6\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"1cf70f6\" 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=\"844a6db\">06<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"0690d8c\">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-694bd5a e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"694bd5a\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"694bd5a\" 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=\"b81999a\">07<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"ddff8d8\">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-049ed20 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"049ed20\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"049ed20\" 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=\"f00b0fb\">08<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"3b9fe95\">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-844af21 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"844af21\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"844af21\" 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=\"99fce25\">09<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"81997dd\">Faire durer son argent : retraits, inflation et long\u00e9vit\u00e9<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-cc7f655 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"cc7f655\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"cc7f655\" 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=\"29502d8\">10<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"79526b1\">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=\"1044290\">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 5 of 10 2 min read Saving for Retirement at Every Age: 20s to 50s [&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-638","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - 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