Un peu dans le même sens que cet article sur defined contributions vs defined benefits, les perspectives d'avenir de Warren Buffett et de l'IQPF ne sont pas trop encourageantes. Au moins, elles sont réalistes.
Buffett:
The economy, as measured by gross domestic product, can be expected to grow at an annual rate of about 3 percent over the long term, and inflation of 2 percent would push nominal GDP growth to 5 percent. Stocks will probably rise at about that rate and dividend payments will boost total returns to 6 percent to 7 percent.
Why such a different picture than the 10% or 15% suggestions that investment managers often give? Those managers are using overoptimistic approaches.
Retirement advice that indicates that you’ll be fine by just saving 10% of your income starting at age 40 is using unrealistic assumptions, at least from Buffett’s perspective. Save plenty for retirement, and start saving now.IQPF:
Quand on fait une planification financière, on devrait utiliser une hypothèse de rendement de 3,75 % pour un portefeuille équilibré, selon l’Institut québécois de la planification financière (IQPF). Tant mieux si votre courtier fait mieux. Mais il ne faut pas se fier là-dessus.
