Mes finances, ma retraite, cahier spécial du 7 décembre 2024

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} </script> </div> <div class="container wide-container"> <div class="header-pub"> <div class="text-center mb30"> <div class="pub super-leaderboard">  <div id="A1" class="pub"> <div align="center"> <div data-m32-ad data-options='{"sizes":"[[728,90],[970,250]]","sizeMapping":"[ [[0,0], [[0,0]]], [[768,0], [[728,90]]], [[1024, 0], [[970,250],[728,90]]], [[1236, 0], [[1260,400],[1200,400],[970,250],[728,90]]] ]","dfpId":"21658289790,340432006","dfpAdUnitPath":"le.devoir/cahiersspeciaux","kv":{"zone":"A1"}}'></div> </div> </div> </div> </div> </div> </div> <div class="container" id="serie-haut"> <div class="row"> <div class="col-md-14"> <h1>Mes finances, ma retraite</h1> <p><strong>À quand l'éclaircie ?</strong> <p>L’année 2025 point à l’horizon, ce qui réveille chez beaucoup le souhait d’une année heureuse… et prospère. Plus, en tout cas, que ne l’a été 2024, qui, malgré un ralentissement de la croissance de l’inflation, reste marquée par le prix élevé des nécessités courantes, particulièrement en matière de logement. L’accalmie risque malheureusement de se faire attendre : le marché de l’habitation restera sous tension durant l’année à venir, et le retour de Donald Trump à la Maison-Blanche fait craindre une guerre commerciale avec les États-Unis, qui risque de peser sur le portefeuille des Québécois et des Canadiens. Ce cahier spécial rassemble quelques conseils d’experts pour aider les ménages à naviguer financièrement dans ce contexte d’incertitude. Il s’intéresse aussi aux facteurs qui favorisent la mobilité sociale des individus, dont les chances d’évolution socio-économique déclinent dans la province comme au pays.</p> </p> <a href="/documents/cahier_special/pdf/1b1d7c971e714f4add6612bbc8e176e37d2fe013.pdf" class="btn btn-default btn-more bg-gray" target="_blank"> Télécharger la version PDF <span class="chevron-right"><svg xmlns="http://www.w3.org/2000/svg" width="5.577" height="10.014" viewBox=".001 -.015 5.577 10.014"><path d="M0 9.34l4.357-4.353L0 .627l.636-.64 4.942 5L.635 10"/></svg></span> </a> </div> </div> </div> </header>  <div id="articles" class="featured"> <div class="latest"> <div class="container"> <div class="row"> <div class="col-sm-7 col-md-9 col-lg-10"> <div class="absolute-black"> <article class="article has-img article-horizontal"> <a href="/economie/825224/incertitude-financiere-menages-quebecois-2025" class="card-click"> <span class="img"> <img src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAABsAAAAQCAYAAADnEwSWAAAAIElEQVR42mNk+P+fiYFOgHHUslHLRi0btWzUslHLaAMAx0UgEZXRa7UAAAAASUVORK5CYII=" data-src="https://media1.ledevoir.com/images_galerie/nwl_1771220_1376985/image.jpg?width=728" alt="« Le plus important devant l’incertitude, c’est de prendre du temps pour planifier ses finances », conseille le planificateur et chroniqueur financier Fabien Major." width="226" height="134" class="img-responsive lazyload" > </span> <h2> Incertitude financière pour les ménages québécois en 2025 </h2> <p> Les finances personnelles resteront compliquées pour de nombreux ménages québécois. </p> </a> <div class="specs "> <time datetime="2024-12-07 00:00:00" > Publié le 7 décembre </time> <span>| <a href="/auteur/jean-francois-venne">Jean-François Venne</a></span> </div> </article> <article class="article has-img article-horizontal"> <a href="/economie/825239/comment-rendre-epargne-plus-vertueuse" class="card-click"> <span class="img"> <img src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAABsAAAAQCAYAAADnEwSWAAAAIElEQVR42mNk+P+fiYFOgHHUslHLRi0btWzUslHLaAMAx0UgEZXRa7UAAAAASUVORK5CYII=" data-src="https://media1.ledevoir.com/images_galerie/nwl_1771269_1376991/image.jpg?width=728" alt="En l’absence de labels de certification, comme ceux existant en Europe, il reste difficile pour les épargnants de vérifier la conformité des fonds aux critère ESG." width="226" height="134" class="img-responsive lazyload" > </span> <h2> Comment rendre son épargne plus vertueuse? </h2> <p> L’engouement pour l’investissement durable exige des éclaircissements pour répondre aux attentes des épargnants. </p> </a> <div class="specs "> <time datetime="2024-12-07 00:00:00" > Publié le 7 décembre </time> <span>| <a href="/auteur/malik-cocherel">Malik Cocherel</a></span> </div> </article> <article class="article has-img article-horizontal"> <a href="/economie/825243/cinq-choses-faire-ici-31-decembre-payer-moins-impots" class="card-click"> <span class="img"> <img src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAABsAAAAQCAYAAADnEwSWAAAAIElEQVR42mNk+P+fiYFOgHHUslHLRi0btWzUslHLaAMAx0UgEZXRa7UAAAAASUVORK5CYII=" data-src="https://media1.ledevoir.com/images_galerie/nwl_1771281_1376994/image.jpg?width=728" alt="Les personnes qui souhaitent économiser pour une mise de fonds en vue d’acheter une première propriété doivent le faire avant de trinquer à la nouvelle année." width="226" height="134" class="img-responsive lazyload" > </span> <h2> Cinq choses à faire d’ici le 31 décembre pour payer moins d’impôts </h2> <p> L’année tirant à sa fin, il est temps de mettre de l’ordre dans ses finances pour démarrer 2025 du bon pied. </p> </a> <div class="specs "> <time datetime="2024-12-07 00:00:00" > Publié le 7 décembre </time> <span>| Leïla Jolin-Dahel</span> </div> </article> <article class="article has-img article-horizontal"> <a href="/economie/825250/inegalites-nuisent-mobilite-socio-economique" class="card-click"> <span class="img"> <img src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAABsAAAAQCAYAAADnEwSWAAAAIElEQVR42mNk+P+fiYFOgHHUslHLRi0btWzUslHLaAMAx0UgEZXRa7UAAAAASUVORK5CYII=" data-src="https://media2.ledevoir.com/images_galerie/nwl_1771355_1377041/image.jpg?width=728" alt="Les chances d’évolution socio-économique des individus au cours de leur vie ou par rapport à la situation de leur parent se détériorent, selon un récent rapport de l’Observatoire québécois des inégalités." width="226" height="134" class="img-responsive lazyload" > </span> <h2> Des inégalités qui nuisent à la mobilité socio-économique </h2> <p> Un récent rapport de l’Observatoire québécois des inégalités brosse le portrait des populations les plus nanties. </p> </a> <div class="specs "> <time datetime="2024-12-07 00:00:00" > Publié le 7 décembre </time> <span>| <a href="/auteur/catherine-couturier">Catherine Couturier</a></span> </div> </article> </div> </div>  <div class="col-sm-7 col-md-5 col-lg-4"> <aside> <div class="pub bigbox">  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