{"id":641,"date":"2026-10-29T00:04:38","date_gmt":"2026-10-29T04:04:38","guid":{"rendered":"https:\/\/gmat40.com\/?page_id=641"},"modified":"2026-10-29T00:04:38","modified_gmt":"2026-10-29T00:04:38","slug":"newcomers-and-retirement-cpp-oas-and-pensions-from-abroad","status":"publish","type":"page","link":"https:\/\/gmat40.com\/fr\/topics\/retirement\/newcomers-and-retirement-cpp-oas-and-pensions-from-abroad\/","title":{"rendered":"Nouveaux arrivants et retraite : RPC, SV et pensions de l&#039;\u00e9tranger"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"641\" class=\"elementor elementor-641\">\n\t\t\t\t<section class=\"elementor-element elementor-element-1575cee e-con e-atomic-element e-flexbox-base e-default-section section-white\" data-id=\"1575cee\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"1575cee\">\n    <div class=\"elementor-element elementor-element-f16d47b e-con e-atomic-element e-flexbox-base e-default-div article-layout\" data-id=\"f16d47b\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"f16d47b\">\n    <article class=\"elementor-element elementor-element-d31c964 e-con e-atomic-element e-flexbox-base e-default-article article-main\" data-id=\"d31c964\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"d31c964\">\n    <div class=\"elementor-element elementor-element-117f501 e-con e-atomic-element e-flexbox-base e-default-div article-head\" data-id=\"117f501\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"117f501\">\n    <div class=\"elementor-element elementor-element-f3db6b2 e-con e-atomic-element e-flexbox-base e-default-div breadcrumb\" data-id=\"f3db6b2\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"f3db6b2\">\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=\"07a78bb\">\n\tBiblioth\u00e8que\n<\/a>\n\t\t\t\t\t<span class=\"breadcrumb-sep e-paragraph-base e-default-span\" data-interaction-id=\"967d462\">\/<\/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=\"baf6447\">\n\tRetraite\n<\/a>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-ae033fb e-con e-atomic-element e-flexbox-base e-default-div article-meta\" data-id=\"ae033fb\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"ae033fb\">\n    \t\t\t<span class=\"tag e-paragraph-base e-default-span\" data-interaction-id=\"3ea9586\">Premium<\/span>\n\t\t\t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"7d7ff06\">Article 8 sur 10<\/span>\n\t\t\t\t\t<span class=\"meta-text e-paragraph-base e-default-span\" data-interaction-id=\"7306122\">2 min de lecture<\/span>\n\t\t\n<\/div>\n\t\t\t<h1 data-interaction-id=\"c7752fe\" class=\"title-lg e-heading-base e-default-h1\">Nouveaux arrivants et retraite : RPC, SV et pensions de l&#039;\u00e9tranger<\/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=\"567dd79\" id=\"171\" src=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-5-1005x1024.webp\" width=\"1005\" height=\"1024\" srcset=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-5-1005x1024.webp 1005w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-5-294x300.webp 294w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-5-768x783.webp 768w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-5-1507x1536.webp 1507w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-5-12x12.webp 12w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-5-600x611.webp 600w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-5.webp 1570w\" alt=\"Illustration of a video player with a medal and stacks of cash\"\/>\t\t<div class=\"elementor-element elementor-element-02c0267 e-con e-atomic-element e-flexbox-base e-default-div prose\" data-id=\"02c0267\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"02c0267\" id=\"article-preview\">\n    \t\t\t<p class=\"prose-p e-paragraph-base e-default-p\" data-interaction-id=\"9d83948\">Si vous avez immigr\u00e9 au Canada \u00e0 l&#039;\u00e2ge adulte, il se peut que vous n&#039;ayez pas d&#039;historique de travail ou de dossier de r\u00e9sidence complet. Cela ne signifie pas que vous ne pourrez pas bien prendre votre retraite, mais cela signifie que vous devriez bien planifier.<\/p>\n\t\t\t\t\t<h2 data-interaction-id=\"4d7039e\" class=\"prose-heading e-heading-base e-default-h2\">RPC : selon vos cotisations canadiennes<\/h2>\n\t\t\n<\/div>\n\n<div class=\"elementor-element elementor-element-a8841cd e-con e-atomic-element e-flexbox-base e-default-div gate-panel\" data-id=\"a8841cd\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"a8841cd\" id=\"article-gate\">\n    \t\t\t<span class=\"tag e-paragraph-base e-default-span\" data-interaction-id=\"35b8ce0\">Article Premium<\/span>\n\t\t\t\t\t<h2 data-interaction-id=\"1d32612\" 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=\"f25d429\">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-c53b4ce e-con e-atomic-element e-flexbox-base e-default-div button-row\" data-id=\"c53b4ce\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"c53b4ce\">\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=\"ba94bb4\">\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=\"d500f6d\">\n\tSe connecter\n<\/a>\n\t\t\n<\/div>\n\n<\/div>\n<div class=\"elementor-element elementor-element-116fffb e-con e-atomic-element e-flexbox-base e-default-div article-nav\" data-id=\"116fffb\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"116fffb\">\n    <a class=\"elementor-element elementor-element-974fb01 e-con e-atomic-element e-flexbox-base e-default-a article-nav-link\" data-id=\"974fb01\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"974fb01\" 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=\"small e-paragraph-base e-default-span\" data-interaction-id=\"c3361b5\">Pr\u00e9c\u00e9dent<\/span>\n\t\t\t\t\t<span class=\"title-sm e-paragraph-base e-default-span\" data-interaction-id=\"6b4d16b\">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-78c8894 e-con e-atomic-element e-flexbox-base e-default-a article-nav-next\" data-id=\"78c8894\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"78c8894\" href=\"https:\/\/gmat40.com\/fr\/topics\/retirement\/making-your-money-last-withdrawals-inflation-and-longevity\/\" target=\"_self\">\n    \t\t\t<span class=\"small e-paragraph-base e-default-span\" data-interaction-id=\"97cc947\">Suivant<\/span>\n\t\t\t\t\t<span class=\"title-sm e-paragraph-base e-default-span\" data-interaction-id=\"7904534\">Faire durer son argent : retraits, inflation et long\u00e9vit\u00e9<\/span>\n\t\t\n<\/a>\n\n<\/div>\n\n<\/article>\n<aside class=\"elementor-element elementor-element-11c5e05 e-con e-atomic-element e-flexbox-base e-default-aside article-aside\" data-id=\"11c5e05\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"11c5e05\">\n    <div class=\"elementor-element elementor-element-60fce9c e-con e-atomic-element e-flexbox-base e-default-div side-panel\" data-id=\"60fce9c\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"60fce9c\">\n    <div class=\"elementor-element elementor-element-030b539 e-con e-atomic-element e-flexbox-base e-default-div eyebrow\" data-id=\"030b539\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"030b539\">\n    \t\t\t\n<hr class=\"eyebrow-mark e-divider-base\" data-interaction-id=\"839c0b0\" \/>\n\t\t\t\t\t<span class=\"eyebrow-text e-paragraph-base e-default-span\" data-interaction-id=\"eb3786b\">Dans ce sujet<\/span>\n\t\t\n<\/div>\n<a class=\"elementor-element elementor-element-1fb6fc3 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"1fb6fc3\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"1fb6fc3\" 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=\"0fe7550\">01<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"9ad1bda\">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-99f9635 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"99f9635\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"99f9635\" 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=\"7f5a371\">02<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"9c4d2dc\">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-1fc5e03 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"1fc5e03\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"1fc5e03\" 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=\"1b19bcf\">03<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"f97e314\">SV et SRG : le soutien gouvernemental apr\u00e8s 65 ans<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-e63c264 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"e63c264\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"e63c264\" 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=\"9c09215\">04<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"d479e42\">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-f8f17d1 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"f8f17d1\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"f8f17d1\" 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=\"1c33211\">05<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"c58e073\">\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-cc20e2f e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"cc20e2f\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"cc20e2f\" 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=\"32ff34b\">06<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"7b0182a\">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-2df0b2d e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"2df0b2d\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"2df0b2d\" 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=\"f031972\">07<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"2515649\">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-a1378e6 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"a1378e6\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"a1378e6\" 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=\"85bca79\">08<\/span>\n\t\t\t\t\t<span class=\"side-link-text-active e-paragraph-base e-default-span\" data-interaction-id=\"e4f72f1\">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-2529f50 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"2529f50\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"2529f50\" 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=\"9007e4d\">09<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"e814686\">Faire durer son argent : retraits, inflation et long\u00e9vit\u00e9<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-16a23c6 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"16a23c6\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"16a23c6\" 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=\"c45e628\">10<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"6332b95\">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=\"69fae11\">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 8 of 10 2 min read Newcomers and Retirement: CPP, OAS and Pensions From Abroad [&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-641","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - 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