{"id":1816,"date":"2023-03-03T12:51:22","date_gmt":"2023-03-03T17:51:22","guid":{"rendered":"https:\/\/www.rbcwealthmanagementfinancialservices.com\/fr-ca\/?p=1816"},"modified":"2025-04-07T15:24:56","modified_gmt":"2025-04-07T19:24:56","slug":"annuities-and-retirement-top-five-things-individuals-need-to-know","status":"publish","type":"post","link":"https:\/\/www.rbcwealthmanagementfinancialservices.com\/fr-ca\/article\/annuities-and-retirement-top-five-things-individuals-need-to-know\/","title":{"rendered":"Rentes et retraite : les cinq choses principales que les gens doivent savoir"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Les \u00e9conomistes appellent cela \u00ab le casse-t\u00eate des rentes. \u00bb<\/p>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"aui_3_4_0_1_422\">Bien que les rentes puissent procurer un revenu viager garanti, plusieurs Canadiens sont toujours r\u00e9calcitrants \u00e0 acheter une rente dans le cadre de leur planification de revenus de retraite.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Achet\u00e9es au moyen d\u2019un paiement forfaitaire \u00e0 une compagnie d\u2019assurance, les rentes procurent \u00e0 leurs prestataires une distribution pr\u00e9d\u00e9termin\u00e9e de revenus, g\u00e9n\u00e9ralement sur une base mensuelle ou annuelle.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00ab Il s\u2019agit d\u2019une option int\u00e9ressante pour les retrait\u00e9s \u00e0 la recherche de pr\u00e9visibilit\u00e9, \u00bb de dire John W. Hamilton, pr\u00e9sident et directeur de Services financiers RBC Gestion de patrimoine Inc. \u00e0 Toronto. \u00ab L\u2019id\u00e9e d\u2019une rente est encore \u00e9trang\u00e8re pour bien des gens, \u00e9tant donn\u00e9 qu\u2019ils ne comprennent pas ce en quoi elle consiste. \u00bb<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les investisseurs sont plus familiers avec les certificats de placement garantis (CPG), qui peuvent \u00eatre plus faciles \u00e0 comprendre et sont plus accessibles. Toutefois, les rentes peuvent aider \u00e0 relever plusieurs d\u00e9fis dans le cadre d\u2019une planification de revenus de retraite.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Voici donc cinq choses qu\u2019on doit conna\u00eetre \u00e0 propos des rentes :<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-1-les-rentes-beneficient-d-un-statut-fiscal-privilegie-au-canada\"><strong>1. <\/strong>Les rentes b\u00e9n\u00e9ficient d\u2019un statut fiscal privil\u00e9gi\u00e9 au Canada<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"aui_3_4_0_1_524\">Les rentes prescrites peuvent procurer des efficiences au plan fiscal, \u00e9tant donn\u00e9 que le revenu est impos\u00e9 en fonction d\u2019une combinaison de remboursement de capital libre d\u2019imp\u00f4t et une composante prescrite de revenus imposables, laquelle est int\u00e9gr\u00e9e dans le produit.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00ab Cet imp\u00f4t est \u00e9galis\u00e9 sur la vie du contrat, \u00bb selon Mike Macoun, vice-pr\u00e9sident et sp\u00e9cialiste en planification successorale&nbsp;de Services&nbsp;RBC Gestion de patrimoine&nbsp;Inc.&nbsp;\u00ab L\u2019imp\u00f4t sur votre rente est le m\u00eame dans la premi\u00e8re ann\u00e9e que dans la vingti\u00e8me ann\u00e9e de versement de celle-ci. \u00bb<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Par exemple, un contrat de rente de 1 million $ souscrit aux taux d\u2019aujourd\u2019hui procurerait \u00e0 un homme de 65 ans une rente annuelle d\u2019environ 63 000 $, la majorit\u00e9 de laquelle serait un remboursement de capital (selon un calcul actuariel fond\u00e9 sur la dur\u00e9e de vie typique d\u2019un homme). De ce montant, 14 000 $ serait imposable chaque ann\u00e9e. Cela se compare \u00e0 quelqu\u2019un qui ach\u00e8terait un CPG de 1 million $ \u00e0 trois pour cent et qui paie de l\u2019imp\u00f4t sur la totalit\u00e9 des 30 000 $ re\u00e7us en revenus d\u2019int\u00e9r\u00eat.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00ab Puisqu\u2019il s\u2019agit d\u2019un revenu viager, le taux de rendement sur votre rente augmentera avec les ann\u00e9es, \u00e9tant donn\u00e9 que les versements continueront, \u00bb d\u2019ajouter Mike. \u00ab Lorsque vous planifiez un revenu de retraite, vous cherchez toujours \u00e0 maximiser le revenu le plus avantag\u00e9&nbsp;au plan fiscal. Il s\u2019agit d\u2019une question d\u2019efficacit\u00e9 du produit d\u2019investissement. \u00bb<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les rentes peuvent aussi \u00eatre utilis\u00e9es \u00e0 des fins de fractionnement de revenu entre les conjoints, ce qui cr\u00e9e encore plus d\u2019efficiences fiscales. \u00ab Non seulement recevez-vous un revenu plus \u00e9lev\u00e9 \u00e0 un imp\u00f4t moindre, mais en plus, vous pouvez le fractionner en deux, \u00bb d\u2019indiquer Mike.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-2-les-rentes-peuvent-etre-structurees-de-facon-a-etre-bonifiees-selon-l-inflation\"><strong>2. <\/strong>Les rentes peuvent \u00eatre structur\u00e9es de fa\u00e7on \u00e0 \u00eatre bonifi\u00e9es selon l\u2019inflation<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"aui_3_4_0_1_600\">Bien qu\u2019un d\u00e9savantage potentiel d\u2019une rente tient \u00e0 son manque de liquidit\u00e9, John Hamilton souligne que certaines compagnies d\u2019assurance offrent des rentes index\u00e9es, ce qui signifie qu\u2019elles peuvent augmenter de valeur au gr\u00e9 du temps en fonction de l\u2019inflation. Cela peut calmer les appr\u00e9hensions de certains investisseurs \u00e0 l\u2019effet que leur investissement perdra de la valeur au fur et \u00e0 mesure qu\u2019ils prendront de l\u2019\u00e2ge.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00ab Cette strat\u00e9gie offre aux investisseurs une certaine protection contre l\u2019inflation, \u00bb de pr\u00e9ciser John. Malgr\u00e9 cela, il recommande que les investisseurs n\u2019ach\u00e8tent une rente qu\u2019avec une partie de leur portefeuille et laissent l\u2019autre partie investie dans des actifs plus liquides.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00ab Une fois la rente achet\u00e9e, on ne peut faire marche arri\u00e8re, \u00bb d\u2019indiquer Mike. \u00abVous transf\u00e9rez un capital \u00e0 une compagnie d\u2019assurance en \u00e9change d\u2019un flux de revenus qui vous sont vers\u00e9s votre vie durant. \u00bb<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-3-les-rentes-peuvent-etre-detenues-par-votre-societe\"><strong>3.<\/strong> Les rentes peuvent \u00eatre d\u00e9tenues par votre soci\u00e9t\u00e9<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Plusieurs investisseurs d\u00e9tiennent des rentes dans leur soci\u00e9t\u00e9 comme un type de r\u00e9gime de pension qu\u2019ils s\u2019imposent.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les entrepreneurs, par exemple, pourraient ne pas toucher une pension de leur entreprise mais plut\u00f4t choisir d\u2019investir leur \u00e9pargne retraite dans celle-ci.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00ab Les propri\u00e9taires d\u2019entreprise \u00e0 la retraite et dont une part importante de leur patrimoine se trouve dans leur entreprise cherchent des fa\u00e7ons de soutirer une pension de leurs actifs d\u2019entreprise, \u00bb de dire John Hamilton. \u00ab Les rentes leur offrent un tel instrument, et ce, avantageusement au plan fiscal. \u00bb<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-4-les-rentes-peuvent-servir-a-des-fins-de-philanthropie\"><strong>4. Les rentes peuvent servir \u00e0 des fins de philanthropie<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Les rentes peuvent servir \u00e0 produire des revenus \u00e0 la retraite de m\u00eame qu\u2019\u00e0 appuyer des oeuvres caritatives, d\u2019autant plus qu\u2019elles pourraient alors \u00eatre assujetties \u00e0 un traitement fiscal pr\u00e9f\u00e9rentiel.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les rentes de bienfaisance offrent une alternative de revenus fixes \u00e0 ces personnes qui effectuent r\u00e9guli\u00e8rement des dons \u00e0 des oeuvres de bienfaisance. En souscrivant une rente, un donateur ou une donatrice peut chercher \u00e0 r\u00e9duire son revenu imposable, garantir le versement de dons annuels et tirer profit de cr\u00e9dits d\u2019imp\u00f4t pour ces dons. Seule une partie du paiement est imposable et le rendement y associ\u00e9 pourrait \u00eatre sup\u00e9rieur \u00e0 celui d\u2019un CPG ou d\u2019une obligation, au dire de Mike Macoun.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00ab Le donateur ou la donatrice est en mesure de constater les bienfaits de son don, de son vivant, et comment les fonds sont utilis\u00e9s \u00e0 bon escient, \u00bb d\u2019ajouter Mike. \u00ab Ils re\u00e7oivent bien entendu un re\u00e7u d\u2019imp\u00f4t, mais la plupart des gens ne le font pas pour cette raison. \u00bb<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dans le cas des rentes garanties en faveur d\u2019un organisme de bienfaisance, les donateurs et donatrices c\u00e8dent la propri\u00e9t\u00e9 de la rente \u00e0 l\u2019oeuvre de bienfaisance, tout en recevant des paiements de revenus fixes garantis pendant toute leur vie. Les donateurs et donatrices re\u00e7oivent un re\u00e7u d\u2019imp\u00f4t annuel pour les primes d\u2019assurance pay\u00e9es \u00e0 m\u00eame la rente. Seule la composante revenu de la rente est imposable.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00ab Cette rente procure des \u00e9conomies d\u2019imp\u00f4t importantes, comparativement aux rentes garanties traditionnelles, ainsi qu\u2019un revenu annuel sup\u00e9rieur \u00e0 celui d\u2019un CPG, tout en produisant un don de bienfaisance, \u00bb de conclure Mike Macoun.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-5-les-rentes-offrent-des-solutions-pour-la-planification-successorale\"><strong>5. <\/strong>Les rentes offrent des solutions pour la planification successorale<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Une des principales fa\u00e7ons dont les investisseurs peuvent se servir des rentes dans le cadre d\u2019une planification successorale est de maintenir un certain contr\u00f4le sur la fa\u00e7on dont les fonds sont distribu\u00e9s \u00e0 leur conjoint survivant, enfants ou petits-enfants.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En effet, les rentes peuvent \u00eatre achet\u00e9es pour le restant de la vie du conjoint survivant, une solution normalement recommand\u00e9e s\u2019ils \u00e9taient plus vieux, ou pour une p\u00e9riode d\u00e9termin\u00e9e pour les enfants.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00ab Les gens veulent s\u2019assurer que leur patrimoine sera l\u00e9gu\u00e9 en toute s\u00e9curit\u00e9, \u00bb de mentionner Mike Macoun. \u00ab Dans le cas d\u2019enfants, cela rassure le p\u00e8re ou la m\u00e8re, \u00bb dit-il, \u00e9tant donn\u00e9 que les enfants n\u2019ont pas acc\u00e8s au capital et ne peuvent donc potentiellement perdre l\u2019investissement.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019achat d\u2019une rente dans le cadre d\u2019une planification successorale peut aussi s\u2019av\u00e9rer moins dispendieux et logistiquement plus simple que l\u2019\u00e9tablissement d\u2019une fiducie, \u00e9tant donn\u00e9 que les co\u00fbts de gestion active sont moins \u00e9lev\u00e9s, de pr\u00e9ciser Mike.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c9tant donn\u00e9 les nombreuses solutions que peuvent fournir des rentes, Mike est d\u2019avis qu\u2019elles devraient \u00eatre abord\u00e9es lors de toutes les discussions continues sur la planification financi\u00e8re, successorale et de revenus de retraite entre les gestionnaires de patrimoine et leurs clients.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00ab Les gens changent et il en est de m\u00eame de leurs investissements, \u00bb conclut-il.&nbsp;\u00ab Quelqu\u2019un pourrait ne pas appr\u00e9cier les avantages d\u2019une rente au d\u00e9but de sa retraite, mais envisager la solution diff\u00e9remment cinq ans plus tard. \u00bb<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00ab Les rentes devraient faire partie de tout sc\u00e9nario de planification de retraite. \u00bb<\/p>\n\n\n\n<div class=\"wp-block-rbcwm-disclaimer\"><hr class=\"bdr-warm-grey bdr-size-2 my-0 rbc-block-spacer-t\"\/><div class=\"my-1\"><div class=\"disclaimer\">\n<p class=\"wp-block-paragraph\">Cette vid\u00e9o et son contenu sont fournis par RBC Gestion de patrimoine afin de donner des indications g\u00e9n\u00e9rales \u00e0 RBC Dominion valeurs mobili\u00e8res Inc. (\u00ab RBC DVM \u00bb) et \u00e0 RBC Phillips, Hager &amp; North Services-conseils en placements inc. (\u00ab RBC PH&amp;N SCP \u00bb) ; ils ne sont fournis qu\u2019\u00e0 titre indicatif. Le terme \u00ab conseiller de gestion de patrimoine RBC \u00bb d\u00e9signe les conseillers en placement RBC DVM et les gestionnaires de portefeuille PH&amp;N, mais non les conseillers, Trust Royal, ni les conseillers, Banque priv\u00e9e.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les commentaires contenus dans cette vid\u00e9o sont de nature g\u00e9n\u00e9rale et ne constituent pas des conseils juridiques, de placement, de fiducie, de succession, de comptabilit\u00e9 ou de fiscalit\u00e9. Les produits d\u2019assurance sont offerts par l\u2019entremise de Services financiers RBC Gestion de patrimoine inc. (\u00ab SF RBC GP \u00bb), filiale de RBC Dominion valeurs mobili\u00e8res Inc.* SF RBC GP est inscrite au Qu\u00e9bec en tant que cabinet de services financiers. RBC Dominion valeurs mobili\u00e8res Inc., SF RBC GP et Banque Royale du Canada sont des entit\u00e9s juridiques distinctes et affili\u00e9es. * Membre \u2013 Fonds canadien de protection des \u00e9pargnants. RBC Dominion valeurs mobili\u00e8res Inc. et SF RBC GP sont des soci\u00e9t\u00e9s membres de RBC Gestion de patrimoine, division op\u00e9rationnelle de Banque Royale du Canada. Veuillez visiter<a href=\"https:\/\/www.rbc.com\/conditions-dutilisation\" data-type=\"URL\" data-id=\"https:\/\/www.rbc.com\/conditions-dutilisation\" target=\"_blank\" rel=\"noreferrer noopener\"> Conditions d\u2019utilisation<\/a> pour obtenir plus d\u2019information sur les entit\u00e9s qui sont des soci\u00e9t\u00e9s membres de RBC Gestion de patrimoine. \u00ae \/ MC Marque(s) de commerce de Banque Royale du Canada, utilis\u00e9es sous licence. \u00a9 Banque Royale du Canada. 2021. Tous droits r\u00e9serv\u00e9s.<\/p>\n<\/div><\/div><hr class=\"my-0\"\/><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Pour les personnes \u00e0 la recherche de pr\u00e9visibilit\u00e9, les rentes peuvent offrir une distribution pr\u00e9d\u00e9termin\u00e9e de revenus \u00e0 la retraite.<\/p>\n","protected":false},"author":25,"featured_media":1714,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"rbcwm_post_date":"","editor_notices":[],"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[42],"tags":[],"rbcwm_content_owner":[],"rbcwm_need":[],"rbcwm_segment":[],"rbcwm_solution":[],"rbcwm_topic":[],"class_list":["post-1816","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-retraite"],"acf":{"rbcwm_subtitle":"Pour les personnes \u00e0 la recherche de pr\u00e9visibilit\u00e9, les rentes peuvent offrir une distribution pr\u00e9d\u00e9termin\u00e9e de revenus \u00e0 la 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