{"id":23935,"date":"2022-12-28T08:49:49","date_gmt":"2022-12-28T16:49:49","guid":{"rendered":"https:\/\/genuscap.com\/?p=23935"},"modified":"2026-03-17T13:38:18","modified_gmt":"2026-03-17T20:38:18","slug":"investir-au-fil-du-temps-conseils-en-gestion-de-patrimoine-pour-vos-30-40-50-et-60-ans","status":"publish","type":"post","link":"https:\/\/genuscap.com\/fr\/investing-through-the-ages-wealth-management-tips-for-your-30s-40s-50s-60s\/","title":{"rendered":"Investir \u00e0 travers les \u00e2ges : Conseils de gestion de patrimoine pour les 30, 40, 50 et 60 ans"},"content":{"rendered":"
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Beaucoup d'entre nous souhaiteraient (au moins de temps en temps) avoir une boule de cristal lorsqu'il s'agit de choisir les bons investissements. La tr\u00e8s bonne nouvelle, c'est que dans le monde de la gestion de patrimoine, l'exp\u00e9rience est un meilleur outil que n'importe quelle boule de cristal. Avec plus de 20 ans d'exp\u00e9rience en tant que gestionnaire de portefeuille, Mary Lou Miles, responsable de la gestion de patrimoine chez Genus, a observ\u00e9 attentivement ce qui fonctionne et ce qui ne fonctionne pas \u00e0 tous les \u00e2ges et \u00e0 tous les stades de l'investissement. Elle propose ici ses conseils pour optimiser votre approche de l'investissement dans la trentaine, la quarantaine, la cinquantaine et la soixantaine, afin de vous assurer que vous, vos enfants et petits-enfants, ainsi que les g\u00e9n\u00e9rations futures, \u00eates sur la voie de la r\u00e9ussite.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Conseils d'investissement pour les trentenaires<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Pour beaucoup, la vingtaine est une p\u00e9riode o\u00f9 l'on profite de la vie, o\u00f9 l'on commence \u00e0 \u00e9tablir une carri\u00e8re et o\u00f9 l'on commence \u00e0 gagner de l'argent. Mais \u00e0 l'approche de la trentaine, notre \u00e9tat d'esprit peut commencer \u00e0 changer. \"Dans la trentaine, on s'installe, on ach\u00e8te une maison, on agrandit sa famille et on poursuit sa formation professionnelle\", explique M. Miles.\u00a0<\/p>

\"La liquidit\u00e9 - l'acc\u00e8s au capital - est n\u00e9cessaire \u00e0 ce stade de la vie\", explique-t-elle. \"Les investissements peuvent donc \u00eatre plus prudents, malgr\u00e9 l'horizon temporel plus long.<\/span>
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Pour accompagner ce changement de mode de vie, elle note que l'\u00e9pargne - et la possibilit\u00e9 d'acc\u00e9der facilement \u00e0 ce que vous mettez de c\u00f4t\u00e9 - est cruciale. \"Vous devez d\u00e9velopper une discipline d'\u00e9pargne avec une approche \u00e0 plus court terme\", explique Mme Miles. \"Vous aurez besoin d'acc\u00e9der \u00e0 ce capital pour des achats importants, comme l'achat d'une maison ou la poursuite de votre formation professionnelle, alors assurez-vous qu'il est facilement accessible.\"<\/span>
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L'un des probl\u00e8mes les plus fr\u00e9quents que Mme Miles rencontre chez les investisseurs trentenaires est le manque de planification, c'est pourquoi elle insiste sur la n\u00e9cessit\u00e9 de se projeter dans l'avenir. \"L'erreur la plus fr\u00e9quente est que les trentenaires ne planifient pas l'avenir, dit-elle, ou qu'ils n'\u00e9tablissent pas de budget ou n'\u00e9pargnent pas. \"Ou qu'ils n'\u00e9tablissent pas de budget ou qu'ils n'\u00e9pargnent pas. Je les vois aussi s'endetter inutilement\", ce qui, selon elle, peut les emp\u00eacher de mettre de c\u00f4t\u00e9 10% de leurs revenus - un montant id\u00e9al \u00e0 ce stade - pour des investissements.\u00a0<\/span>
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Ce qu'il faut retenir pour les investisseurs trentenaires :<\/b> Prenez l'habitude d'\u00e9pargner et d'investir une partie de vos revenus (id\u00e9alement 10%).\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Conseils d'investissement pour les quadrag\u00e9naires<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\u00c0 l'approche de la quarantaine, l'attention de nombreux investisseurs peut se porter non seulement sur leur propre avenir, mais aussi sur celui de leurs enfants. \"Nous voyons des investisseurs dans la quarantaine qui agrandissent leur famille et \u00e9pargnent en vue d'\u00e9tudes sup\u00e9rieures\", explique Mme Miles. \"Ils peuvent alors acheter une r\u00e9sidence principale plus grande ou entreprendre des travaux de r\u00e9novation\", ajoute-t-elle. Pour r\u00e9pondre au besoin de ce type de plans d'\u00e9pargne \u00e0 court terme, Mme Miles recommande de se concentrer sur un horizon d'investissement plus court.\u00a0<\/span><\/p>

\u00c0 ce stade de la vie, les investisseurs ont \u00e9galement tendance \u00e0 \u00eatre plus avanc\u00e9s dans leur carri\u00e8re et \u00e0 disposer de plus d'\u00e9conomies, ce qui leur permet de prendre plus de risques et d'investir dans davantage d'actions. \"Une fois que les REER ont atteint leur maximum, il faut ouvrir des CELI avec un objectif d'impact plus agressif\", note M. Miles. \"Ces CELI ont potentiellement l'horizon le plus long, ce qui permet de prendre plus de risques.\"<\/span><\/p>

Parmi les probl\u00e8mes les plus courants rencontr\u00e9s par Mme Miles chez les investisseurs dans la quarantaine, il y a le fait de ne pas acc\u00e9l\u00e9rer le remboursement de l'hypoth\u00e8que et de ne pas maximiser les REER, ce qu'elle recommande de faire.\u00a0<\/span><\/p>

Principaux enseignements pour les investisseurs dans la quarantaine : <\/b>Concentrez-vous sur le remboursement de votre hypoth\u00e8que, la maximisation des cotisations \u00e0 un REER et l'ouverture d'un CELI.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Investir dans la cinquantaine<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Lorsque nous atteignons la cinquantaine, il est temps de mettre les bouch\u00e9es doubles en mati\u00e8re de planification de la retraite.\u00a0<\/span><\/p>

\"Souvent, \u00e0 la cinquantaine, l'hypoth\u00e8que est rembours\u00e9e\", explique M. Miles. \"Les \u00e9conomies ainsi r\u00e9alis\u00e9es peuvent \u00eatre utilis\u00e9es pour se concentrer sur les ann\u00e9es de retraite.\u00a0<\/span><\/p>

Planification de la retraite<\/span><\/a> diff\u00e8re d'une personne \u00e0 l'autre, et m\u00eame si votre hypoth\u00e8que est encore en jeu, la cinquantaine est un moment id\u00e9al pour maximiser votre \u00e9pargne de pr\u00e9retraite et d\u00e9finir votre strat\u00e9gie d'investissement pour la retraite.<\/span><\/p>

\"Je sugg\u00e8re de maximiser les cotisations aux REER et aux CELI \u00e0 cet \u00e2ge\", d\u00e9clare M. Miles. \"C'est une excellente occasion de rechercher la croissance dans le portefeuille plut\u00f4t que le revenu ou la pr\u00e9servation du capital.\"\u00a0<\/span><\/p>

Pour certains, une strat\u00e9gie d'investissement avant la retraite implique \u00e9galement de r\u00e9fl\u00e9chir \u00e0 l'impact que l'on souhaite donner \u00e0 son patrimoine. \"Les membres de la g\u00e9n\u00e9ration X ont tendance \u00e0 se concentrer sur des investissements durables et durables. <\/span>l'investissement \u00e0 impact<\/span><\/a>Elle ajoute : \"Vous pouvez toujours aligner vos valeurs sur les d\u00e9cisions prises \u00e0 la cinquantaine en mati\u00e8re de r\u00e9partition des actifs. \"Vous pouvez toujours aligner vos valeurs sur les d\u00e9cisions de r\u00e9partition des actifs de vos 50 ans.\u00a0<\/span><\/p>

Principaux enseignements pour les investisseurs dans la cinquantaine : <\/b>Accordez la priorit\u00e9 \u00e0 la maximisation des cotisations au REER et au CELI et concentrez-vous sur votre retraite prochaine.\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Investir dans la soixantaine<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Au cours de cette d\u00e9cennie de notre vie d'investisseur, notre \u00e9tat d'esprit tend \u00e0 \u00e9voluer vers <\/span>le transfert de richesses entre g\u00e9n\u00e9rations<\/span><\/a>. \"En fonction de vos ressources, vous pouvez commencer \u00e0 donner \u00e0 votre prog\u00e9niture des fonds pour le versement d'un acompte ou lui faire un h\u00e9ritage \u00e0 l'avance\", observe M. Miles.<\/span><\/p>

\u00c0 ce stade, les investisseurs peuvent \u00e9galement commencer \u00e0 mettre en \u0153uvre leur plan d'\u00e9pargne-retraite. \"Les investissements doivent commencer \u00e0 rechercher des revenus et des rendements en vue d'\u00e9ventuels retraits r\u00e9guliers\", ajoute M. Miles. \"Les investisseurs peuvent s'orienter vers des r\u00e9partitions d'actifs plus conservatrices, mais cela d\u00e9pend des besoins globaux, ainsi que des autres pensions et h\u00e9ritages.<\/span><\/p>

La retraite approchant \u00e0 grands pas, il est \u00e9galement temps de r\u00e9fl\u00e9chir au montant qu'il vous faudra \u00e9pargner pour mener le style de vie que vous souhaitez apr\u00e8s votre d\u00e9part \u00e0 la retraite. \"L'un des probl\u00e8mes les plus fr\u00e9quents que je rencontre chez les investisseurs sexag\u00e9naires est qu'ils n'\u00e9pargnent pas suffisamment pour financer leur style de vie \u00e0 la retraite\", explique Mme Miles. Pour y rem\u00e9dier, elle recommande de mettre de c\u00f4t\u00e9 20% pour investir afin de planifier \u00e0 plus long terme.<\/span><\/p>

Principaux enseignements pour les investisseurs sexag\u00e9naires :<\/b> Commencez \u00e0 mettre de c\u00f4t\u00e9 des montants plus importants pour investir et commencez \u00e0 \u00e9laborer votre strat\u00e9gie de transfert de patrimoine interg\u00e9n\u00e9rationnel.<\/span><\/p>

Quel que soit votre \u00e2ge et votre stade d'investissement, M. Miles conclut qu'il y a trois choses que vous pouvez faire maintenant, et \u00e0 tout moment, pour vous assurer un avenir d'investissement fructueux : \"La discipline en mati\u00e8re d'\u00e9pargne, la concentration sur les valeurs et les objectifs \u00e0 long terme et la prise en compte de la meilleure r\u00e9partition des actifs pour vos investissements en fonction de vos objectifs.\u00a0<\/span><\/p>

Pourquoi ne pas commencer d\u00e8s aujourd'hui ? Nous vous invitons \u00e0 <\/span><\/i>parler \u00e0 un conseiller Genus<\/span><\/i><\/a> pour discuter d'un plan d'investissement personnalis\u00e9 qui r\u00e9ponde \u00e0 vos besoins uniques.<\/span><\/i><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Mary Lou Miles donne des conseils sur la mani\u00e8re d'optimiser votre approche de l'investissement dans la trentaine, la quarantaine, la cinquantaine et la soixantaine, afin de vous assurer, ainsi qu'\u00e0 vos enfants et petits-enfants et aux g\u00e9n\u00e9rations futures, un v\u00e9ritable succ\u00e8s.<\/p>","protected":false},"author":6,"featured_media":23938,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"categories":[16,27],"tags":[110],"class_list":["post-23935","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-market-insights","tag-blog"],"acf":[],"yoast_head":"\nInvesting Through the Ages - Genus Capital<\/title>\n<meta name=\"description\" content=\"Learn how to invest through the ages and optimize your investment approach in your 30s, 40s, 50s, and 60s setting you up for future success.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/genuscap.com\/fr\/investir-au-fil-du-temps-conseils-en-gestion-de-patrimoine-pour-vos-30-40-50-et-60-ans\/\" \/>\n<meta property=\"og:locale\" content=\"fr_CA\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Investing Through the Ages: Wealth Management Tips for Your 30s, 40s, 50s, and 60s\" \/>\n<meta property=\"og:description\" content=\"Mary Lou Miles offers her guidance for how to optimize your investment approach in your 30s, 40s, 50s, and 60s to ensure that you\u2019re setting you, your children and grandchildren, and future generations up for true success.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/genuscap.com\/fr\/investir-au-fil-du-temps-conseils-en-gestion-de-patrimoine-pour-vos-30-40-50-et-60-ans\/\" \/>\n<meta property=\"og:site_name\" content=\"Genus\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/GenusCap\" \/>\n<meta property=\"article:published_time\" content=\"2022-12-28T16:49:49+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-17T20:38:18+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/genuscap.com\/wp-content\/uploads\/2022\/12\/GENUS-December-Investing-Through-the-Ages-Blog-Images-1024x576.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1024\" \/>\n\t<meta property=\"og:image:height\" content=\"576\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Genus Marketing\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@GenusCapMgt\" \/>\n<meta name=\"twitter:site\" content=\"@GenusCapMgt\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Genus Marketing\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/genuscap.com\\\/investing-through-the-ages-wealth-management-tips-for-your-30s-40s-50s-60s\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/genuscap.com\\\/investing-through-the-ages-wealth-management-tips-for-your-30s-40s-50s-60s\\\/\"},\"author\":{\"name\":\"Genus Marketing\",\"@id\":\"https:\\\/\\\/genuscap.com\\\/#\\\/schema\\\/person\\\/dbc0cb75d28e9c72cc263dea334d6af7\"},\"headline\":\"Investing Through the Ages: Wealth Management Tips for Your 30s, 40s, 50s, and 60s\",\"datePublished\":\"2022-12-28T16:49:49+00:00\",\"dateModified\":\"2026-03-17T20:38:18+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/genuscap.com\\\/investing-through-the-ages-wealth-management-tips-for-your-30s-40s-50s-60s\\\/\"},\"wordCount\":972,\"publisher\":{\"@id\":\"https:\\\/\\\/genuscap.com\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/genuscap.com\\\/investing-through-the-ages-wealth-management-tips-for-your-30s-40s-50s-60s\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/genuscap.com\\\/wp-content\\\/uploads\\\/2022\\\/12\\\/GENUS-December-Investing-Through-the-Ages-Blog-Images.png\",\"keywords\":[\"blog\"],\"articleSection\":[\"Blog\",\"Market Insights\"],\"inLanguage\":\"fr-CA\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/genuscap.com\\\/investing-through-the-ages-wealth-management-tips-for-your-30s-40s-50s-60s\\\/\",\"url\":\"https:\\\/\\\/genuscap.com\\\/investing-through-the-ages-wealth-management-tips-for-your-30s-40s-50s-60s\\\/\",\"name\":\"Investing Through the Ages - 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