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Présenter une vision aussi objective que possible de la situation des régimes de pension publics et privés du Québec et du Canada constitue l’objectif premier de ce texte. Les régimes de pensions publics financés par répartition ont accumulé d’énormes déficits actuariels envers les baby-boomers. Le vieillissement de la population touchant presque tous les pays industrialisés pose des défis de taille aux gouvernements. Plusieurs ajustements possibles sont envisagés, notamment d’augmenter rapidement les taux de cotisation afin de mettre à contribution les baby-boomers pendant qu’ils participent encore au marché du travail. Il est toutefois peu probable que ce seul changement sera suffisant pour financer les engagements envers la génération des baby-boomers.The objective of this paper is to present a realistic view of the private and public pensions schemes in Quebec and Canada. The public pension plans financed by "pay as you go" schemes have accumulated huge actuarial liabilities toward the baby boomer generation. The anticipations of adverse demographic trends pose huge challenges to the governments of all industrialised countries. Several corrective measures are proposed, including the quick increase in contribution rates in order to benefit from the contributions of the baby boomers that will still be in the labour force for the next fifteen years. This measure alone will probably not solve the long run problems of the Canadian and Quebec Pensions Plans as claim by the proponents of the current reform

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