{"id":44044,"date":"2023-04-12T15:10:32","date_gmt":"2023-04-12T19:10:32","guid":{"rendered":"https:\/\/ivari.ca\/?post_type=articles-insights&#038;p=44044"},"modified":"2024-02-01T09:12:53","modified_gmt":"2024-02-01T14:12:53","slug":"la-generation-oubliee-fait-parler-delle","status":"publish","type":"articles-insights","link":"https:\/\/ivari.ca\/fr\/articles-idees\/la-generation-oubliee-fait-parler-delle\/","title":{"rendered":"La g\u00e9n\u00e9ration oubli\u00e9e\u2026 fait parler d\u2019elle!"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row css=\u00a0\u00bb.vc_custom_1634649296002{background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\u00a0\u00bb el_id=\u00a0\u00bbpost-banner\u00a0\u00bb el_class=\u00a0\u00bbpost-banner-blue\u00a0\u00bb][vc_column][vc_row_inner content_placement=\u00a0\u00bbbottom\u00a0\u00bb css=\u00a0\u00bb.vc_custom_1651666808515{background-image: url(https:\/\/ivari.ca\/files\/shutterstock_184855541-forgotten-generation-scaled.jpg?id=39394) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\u00a0\u00bb el_class=\u00a0\u00bbpost-banner\u00a0\u00bb][vc_column_inner el_class=\u00a0\u00bbimage-row-text-column\u00a0\u00bb width=\u00a0\u00bb2\/5&Prime;][vc_column_text]<\/p>\n<h1>\t\t\t<span id=\"typedjs83\" class=\"animated-typed-js-shortcode \"><\/span>\n\t\t\t<script>\n\t\t\tvar typedjs83 = new Typed('#typedjs83', {\n\t\t\t\tstrings: [\"La g\\u00e9n\\u00e9ration oubli\\u00e9e\\u2026 fait parler d\\u2019elle!\"],\n\t\t\t\ttypeSpeed: 80,\n\t\t\t\tbackSpeed: 50,\n\t\t\t\tbackDelay: 500,\n\t\t\t\tstartDelay: 1000,\n\t\t\t\tloop: false,\n\t\t\t\tloopCount: 0,\n\t\t\t\tfadeOut: false,\n\t\t\t\tfadeOutDelay: 500,\n\t\t\t\tsmartBackspace: true,\n\t\t\t\tshuffle: false,\n\t\t\t\tshowCursor: true,\n\t\t\t\tcursorChar: \"|\"\n\t\t\t});\n\t\t\t<\/script>\n\n\t\t<\/h1>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=\u00a0\u00bb3\/5&Prime;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text el_class=\u00a0\u00bbivari-row border-bottom\u00a0\u00bb]<\/p>\n<h2>Accroissement et protection du patrimoine de la g\u00e9n\u00e9ration X<\/h2>\n<p>La \u00ab g\u00e9n\u00e9ration sandwich \u00bb, dont les membres s\u2019occupent \u00e0 la fois des enfants et des parents vieillissants, est souvent la plus oubli\u00e9e. Ils ont beau \u00eatre moins nombreux que les baby-boomers et les Mill\u00e9niums, ils repr\u00e9sentent un potentiel commercial non n\u00e9gligeable. Comptant actuellement pour 30,7 % de la population active canadienne<sup><a href=\"#sources\">1<\/a><\/sup>, la g\u00e9n\u00e9ration X jouit d\u2019un revenu du m\u00e9nage sup\u00e9rieur \u00e0 la moyenne \u2013 plus de 100 000 $<sup><a href=\"#sources&quot;\">2<\/a><\/sup>! Malgr\u00e9 un tel revenu, ce groupe est cribl\u00e9 de dettes! Son endettement exc\u00e8de celui de toutes les autres g\u00e9n\u00e9rations, ce qui explique pourquoi la plupart n\u2019ont presque rien \u00e9pargn\u00e9. \u00c0 vrai dire, un Canadien sur quatre de la g\u00e9n\u00e9ration X ne b\u00e9n\u00e9ficie d\u2019aucune \u00e9pargne-retraite<sup><a href=\"#sources\">3<\/a><\/sup>! L\u2019assurance vie, contrairement au remboursement de la dette, n\u2019est certes pas au c\u0153ur des pr\u00e9occupations de ces consommateurs. Mais tout espoir n\u2019est pas perdu pour autant. Gr\u00e2ce aux conseils et \u00e0 l\u2019encadrement appropri\u00e9s, vous pouvez relayer \u00e0 votre client de la g\u00e9n\u00e9ration X l\u2019importance d\u2019une assurance vie, sans n\u00e9gliger, \u00e9videmment, l\u2019\u00e9pargne et le remboursement de ses dettes.[\/vc_column_text][vc_row_inner el_class=\u00a0\u00bbarticle-section\u00a0\u00bb][vc_column_inner width=\u00a0\u00bb1\/4&Prime;][vc_column_text]<\/p>\n<h3>Comment p\u00e9n\u00e9trer ce march\u00e9?<\/h3>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=\u00a0\u00bb3\/4&Prime;][vc_column_text]Pour se renseigner sur l\u2019assurance vie, ils consultent surtout famille et amis. Il est donc primordial de nouer avec votre client\u00e8le actuelle une relation solide, gr\u00e2ce \u00e0 laquelle ils n\u2019h\u00e9siteront pas \u00e0 vous recommander. La g\u00e9n\u00e9ration X se tourne \u00e9galement vers Internet et les r\u00e9seaux sociaux pour entreprendre ses propres recherches. Il est donc important d\u2019avoir une pr\u00e9sence professionnelle soign\u00e9e en ligne. Assurez-vous que votre site Web, toujours complet et \u00e0 jour, renferme non seulement vos coordonn\u00e9es, mais \u00e9galement des articles et des renseignements pertinents et opportuns. Sur vos comptes de r\u00e9seaux sociaux, publiez des articles r\u00e9dig\u00e9s soit par vous ou par d\u2019autres experts en utilisant le mot-di\u00e8se appropri\u00e9. Pr\u00e8s de la moiti\u00e9 des membres de la g\u00e9n\u00e9ration X observent la pr\u00e9sence et l\u2019activit\u00e9 des conseillers sur les r\u00e9seaux sociaux<sup><a href=\"#sources\">7<\/a><\/sup>. Votre absence risquerait donc de vous porter pr\u00e9judice. La page M\u00e9dias sociaux d\u2019<em>ivari<\/em> vous facilite la t\u00e2che\u00a0: Il vous suffit de s\u00e9lectionner l\u2019article \u00e0 partager et la plateforme \u00e0 utiliser (Twitter ou Facebook), et de le publier! Tout y est\u00a0: contenu et liens.<\/p>\n<p>Et ce n\u2019est pas tout! N\u2019oubliez pas d\u2019y ajouter votre touche personnelle! Soixante-quatre pour cent des membres de la g\u00e9n\u00e9ration X estiment qu\u2019il est important de rencontrer un conseiller en personne avant la souscription d\u2019une assurance vie et plus de la moiti\u00e9 pr\u00e9f\u00e8rent que leur premi\u00e8re rencontre avec un conseiller se fasse en personne<sup><a href=\"#sources\">8<\/a><\/sup>. Alors prenez le temps n\u00e9cessaire, \u00e9tablissez une bonne relation et faites-vous conna\u00eetre \u00e0 titre d\u2019expert en la mati\u00e8re. Ensuite, lorsque le consommateur sera pr\u00eat \u00e0 souscrire, votre nom sera le premier qui lui viendra \u00e0 l\u2019esprit!<\/p>\n<p>Pour en savoir plus, consultez cette\u00a0<a href=\"https:\/\/ivari.ca\/files\/Gen_X_infographics_Advisor_FR.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">infographie<\/a>, ou contactez votre\u00a0 conseiller.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner el_class=\u00a0\u00bbarticle-section\u00a0\u00bb][vc_column_inner width=\u00a0\u00bb1\/4&Prime;][vc_column_text]<\/p>\n<h3>Que cherchent les membres de la g\u00e9n\u00e9ration X?<\/h3>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=\u00a0\u00bb3\/4&Prime;][vc_column_text]Aujourd\u2019hui plus que jamais, les membres de ce groupe cherchent \u00e0 obtenir l\u2019encadrement n\u00e9cessaire en mati\u00e8re de finances. Disposant de connaissances financi\u00e8res insuffisantes, ils ont peur du risque, car ils ont connu la bulle Internet et la r\u00e9cession de 2008. De plus, ils sont priv\u00e9s d\u2019une source d\u2019information fiable en mati\u00e8re financi\u00e8re. Que cherchent-ils donc?<\/p>\n<ul class=\"simple-list-1\">\n<li>41\u00a0% cherchent \u00e0 calculer le montant \u00e0 mettre de c\u00f4t\u00e9 pour la retraite;<\/li>\n<li>38\u00a0% souhaitent pouvoir d\u00e9terminer l\u2019\u00e2ge auquel ils pourront s\u2019accorder une retraite bien m\u00e9rit\u00e9e;<\/li>\n<li>37\u00a0% ont du mal \u00e0 d\u00e9cider o\u00f9 investir leur argent<sup><a href=\"#sources\">4<\/a><\/sup>.<\/li>\n<\/ul>\n<p>Comme vous pouvez le constater, il s\u2019agit d\u2019un tr\u00e8s bon cr\u00e9neau \u00e0 explorer en mati\u00e8re de placement. Mais qu\u2019en est-il de l\u2019assurance vie? Puisque 68 % d\u2019entre eux reconnaissent la n\u00e9cessit\u00e9 d\u2019une assurance vie<sup><a href=\"#sources\">5<\/a><\/sup> et 31%<sup><a href=\"#sources\">6<\/a><\/sup> se pr\u00e9occupent de la situation financi\u00e8re de leur famille en cas de d\u00e9c\u00e8s, les possibilit\u00e9s d\u2019information et d\u2019\u00e9ducation ne manquent pas. Voil\u00e0 en quoi votre intervention s\u2019impose.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row el_id=\u00a0\u00bbsources\u00a0\u00bb][vc_column][vc_column_text el_class=\u00a0\u00bbfootnote-section\u00a0\u00bb]<sup>1<\/sup>\u00a0Statistique Canada, Caract\u00e9ristiques de la population active, 2018<br \/>\n<sup>2 <\/sup>US Department of Labor Bureau of Labor Statistics, \u00ab Consumer Expenditure Survey: Midyear Update: July 2017-June 2018,\u00a0\u00bb, le 26 avril 2019<br \/>\n<sup>3<\/sup>\u00a0Placements Franklin Templeton : Sondage sur les attentes et les strat\u00e9gies en mati\u00e8re de revenu de retraite (sondage RISE) r\u00e9alis\u00e9 en 2018<br \/>\n<sup>4<\/sup>\u00a0<a href=\"https:\/\/www.aboutschwab.com\/schwab-401k-participant-study-2019\">https:\/\/www.aboutschwab.com\/schwab-401k-participant-study-2019<\/a><br \/>\n<sup>5<\/sup>\u00a0LIMRA, 2019; \u00c9tude barom\u00e8tre<br \/>\n<sup>6<\/sup> Idem<br \/>\n<sup>7 <\/sup>LIMRA, 2018; \u00c9tude barom\u00e8tre (assurance)<br \/>\n<sup>8<\/sup> Idem[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Accroissement et protection du patrimoine de la g\u00e9n\u00e9ration X<\/p>\n","protected":false},"featured_media":39394,"template":"","categories":[6],"articles_insights_taxonomies":[500],"query_groups":[],"class_list":["post-44044","articles-insights","type-articles-insights","status-publish","has-post-thumbnail","hentry","category-non-classifiee","articles_insights_taxonomies-developpement-des-affaires"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>La g\u00e9n\u00e9ration oubli\u00e9e\u2026 fait parler d\u2019elle! 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