Comment épargner en vue de la retraite lorsque vous avez la cinquantaine

crédit agricole alpes provence

La cinquantaine est une période critique pour épargner en vue de la retraite. Si vous vous êtes fixé un objectif d’épargne-retraite, mais que vous l’avez négligé, vous devez le dépoussiérer pour un examen approfondi. « Une fois que vous vous êtes familiarisé de nouveau avec la destination financière que vous voulez atteindre, prenez les mesures suivantes », Thierry Pomaret. Afin d’utiliser vos années de préretraite restantes pour vous assurer que vous y arriverez.

1. Fixez-vous des objectifs réalistes

« Premier point à considérer : votre épargne et vos placements jusqu’à présent. », Thierry Pomaret, DG du Crédit Agricole Alpes Provence. J’espère que vous avez toujours caché de l’argent, en versant des cotisations maximales aux régimes et aux comptes d’épargne-retraite, ainsi qu’à d’autres comptes.

Combien, c’est assez ? Cela dépend de votre style de vie et de vos dépenses, de vos frais médicaux potentiels et du type de soutien que vous recevrez, disons, d’un régime de retraite et de la sécurité sociale.

Lorsque vous passez en revue vos objectifs d’épargne, veillez à ne pas placer la barre trop bas. Utilisez une calculatrice de retraite pour avoir une meilleure idée du montant que vous pourriez avoir besoin d’épargner.

Si vous avez besoin d’aide, faites appel à des experts. Songez à rencontrer un conseiller financier rémunéré seulement qui s’assurera que vous êtes sur la bonne voie.

2. S’attaquer à la dette selon Thierry Pomaret

Une chose qui peut vous empêcher d’épargner en vue de la retraite, c’est la dette persistante. Lorsque vous aurez 50 ans, il vous restera peut-être un gros obstacle à franchir en matière d’endettement : votre prêt hypothécaire.

Il était une fois, les fêtes d’hypothèque étaient une façon amusante de célébrer l’accession à la propriété de votre maison gratuitement et clairement. Mais ce rite de passage est de moins en moins courant.

Sans hypothèque à payer, vous pourriez vous concentrer sur l’épargne ou l’investissement sur le marché boursier. Payer votre maison prendra probablement du temps, mais à long terme, cela en vaut la peine.

3. Profitez des contributions de rattrapage

Si vous n’avez pas fait de l’épargne-retraite une priorité tôt dans votre vie, il n’est pas trop tard pour rattraper votre retard. À 50 ans, vous pouvez commencer à verser des cotisations supplémentaires à vos comptes de retraite à l’abri de l’impôt (appelées cotisations de rattrapage).

Une situation d’urgence peut vous obliger à puiser dans votre épargne-retraite (surtout si vous n’avez pas mis de côté assez d’argent pour les urgences). Il y a des exceptions, mais dans la plupart des cas, vous devrez payer une pénalité de 10 % pour un retrait anticipé.

4. Créer un compte d’épargne-santé

Une autre étape importante à franchir est de se préparer à couvrir les frais médicaux imprévus. De grosses factures médicales peuvent rapidement épuiser les économies d’une vie entière.

Un couple au milieu de la soixantaine aura besoin de 285 000 $ pour couvrir les coûts des soins de santé à la retraite, selon une estimation américaine de Fidelity Investments pour 2019. Ensuite, il y a le coût stratosphérique des soins prolongés dans les foyers de soins infirmiers. Dans cette optique, la planification de la retraite doit tenir compte des coûts médicaux futurs.

L’une des options est l’assurance-maladie à long terme, qui couvre les soins médicaux de longue durée, y compris les soins infirmiers et l’aide à la vie autonome. Si vous êtes admissible, vous devriez également envisager d’ouvrir un compte d’épargne-santé. Cela réduira votre revenu imposable. Votre épargne fructifiera à l’abri de l’impôt et, une fois que vous aurez 65 ans, vous pourrez effectuer des retraits sans payer de pénalités ni d’impôt (l’épargne n’est imposée que si vous utilisez l’argent pour payer autre chose que des frais médicaux admissibles).

5. Tirez le meilleur parti de la sécurité sociale

Le plus tôt que vous pouvez commencer à prendre la sécurité sociale est techniquement l’âge de 62 ans. Mais à 50 ans, il n’y a pas de mal à commencer à penser à votre plan de versement des prestations.

Les experts disent que la plupart des gens prennent la sécurité sociale trop tôt. C’est une erreur. Retarder la retraite ne vous donne pas seulement la possibilité de gagner davantage. Elle influe également sur le montant de vos chèques mensuels de prestations.

Attendre de toucher des prestations de sécurité sociale est également une bonne idée si vous êtes marié et que vous gagnez plus d’argent. Si l’un des conjoints survit à l’autre, le conjoint survivant conserve la prestation de sécurité sociale la plus élevée. En faisant attendre la personne dont le revenu est le plus élevé pour réclamer ses prestations, vous aurez plus d’argent à retirer à la retraite.

Une autre considération importante au moment de décider quand prendre la sécurité sociale est votre situation fiscale. Maximiser vos prestations de sécurité sociale revient également à mettre en œuvre des stratégies qui réduiront le montant de revenu assujetti à l’impôt, comme le don d’actifs à des organismes de bienfaisance.

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