{"id":13089,"date":"2025-06-16T15:29:31","date_gmt":"2025-06-16T19:29:31","guid":{"rendered":"https:\/\/wellington-altus.ca\/?p=13089"},"modified":"2025-07-29T15:39:08","modified_gmt":"2025-07-29T19:39:08","slug":"the-upside-of-downturns-strategic-tax-loss-harvesting","status":"publish","type":"post","link":"https:\/\/wellington-altus.ca\/fr\/the-upside-of-downturns-strategic-tax-loss-harvesting\/","title":{"rendered":"Le potentiel dans les baisses: \nr\u00e9colte strat\u00e9gique des pertes \u00e0 des fins fiscales"},"content":{"rendered":"
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En savoir plus ici<\/a><\/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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La volatilit\u00e9 des march\u00e9s pousse souvent les investisseurs \u00e0 examiner leurs portefeuilles et la r\u00e9partition de leurs actifs. Bien que la volatilit\u00e9 des march\u00e9s soit rarement agr\u00e9able, elle peut ouvrir la porte \u00e0 de pr\u00e9cieuses occasions, et tout particuli\u00e8rement pour les investisseurs fut\u00e9s sur le plan fiscal. Une de ces possibilit\u00e9s est le \u00ab d\u00e9clenchement \u00bb ou la \u00ab r\u00e9colte \u00bb de pertes en capital.<\/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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Comment fonctionne la r\u00e9colte des pertes \u00e0 des fins fiscales et pourquoi elle est importante<\/span><\/h3>

Aux fins de l\u2019imp\u00f4t sur le revenu, une perte en capital survient g\u00e9n\u00e9ralement lorsqu\u2019un investisseur se d\u00e9partit d\u2019un bien en capital pour un montant inf\u00e9rieur \u00e0 celui pour lequel le bien en capital a \u00e9t\u00e9 acquis \u00e0 l\u2019origine. Prenons l\u2019exemple d\u2019un investisseur qui a achet\u00e9 une action de la soci\u00e9t\u00e9 ABC \u00e0 \n100 $\/action. \u00c0 la suite d\u2019une baisse du march\u00e9, une action de la soci\u00e9t\u00e9 ABC se n\u00e9gocie maintenant \u00e0 80 $\/action. Si l\u2019investisseur vendait ses actions de la soci\u00e9t\u00e9 ABC, il r\u00e9aliserait ou d\u00e9clencherait une perte en capital de 20 $ (100 $ \u2013 80 $).<\/p>

La r\u00e9colte des pertes \u00e0 des fins fiscales est une strat\u00e9gie fiscale par laquelle un investisseur vend \nou se d\u00e9partit d\u2019une autre mani\u00e8re d\u2019un placement non enregistr\u00e9 ou d\u2019un autre bien en capital dans l\u2019intention de r\u00e9aliser une perte en capital \u00e0 des fins fiscales, comme d\u00e9crit ci-dessus. Une fois qu\u2019une perte en capital a \u00e9t\u00e9 r\u00e9alis\u00e9e par l\u2019investisseur, \nces pertes peuvent \u00eatre utilis\u00e9es afin d\u2019obtenir un avantage fiscal.<\/p>

Le principal avantage des pertes en capital aux fins de l\u2019imp\u00f4t sur le revenu est qu\u2019elles peuvent servir \u00e0 r\u00e9duire les gains en capital r\u00e9alis\u00e9s par l\u2019investisseur. Pour poursuivre notre exemple, supposons que l\u2019investisseur d\u00e9tenait aussi une action de la soci\u00e9t\u00e9 XYZ dans son portefeuille. L\u2019investisseur a achet\u00e9 une action de la soci\u00e9t\u00e9 XYZ au prix de 100 $\/action. En raison de leur nature d\u00e9fensive, les actions \nde la soci\u00e9t\u00e9 XYZ ont gagn\u00e9 en valeur pendant le ralentissement du march\u00e9 et se n\u00e9gocient maintenant \u00e0 120 $\/action. Si l\u2019investisseur devait vendre ses actions de la soci\u00e9t\u00e9 XYZ, il r\u00e9aliserait un gain en capital de 20 $\/action (120 $ \u2013 100 $).<\/p>

Lorsque viendra le temps de pr\u00e9parer la d\u00e9claration de revenus de l\u2019investisseur, celle-ci devra inclure le gain en capital r\u00e9alis\u00e9 sur la vente de l\u2019action de la soci\u00e9t\u00e9 XYZ. Toutefois, elle peut \u00e9galement inclure \nla perte r\u00e9colt\u00e9e sur la vente de l\u2019action de la soci\u00e9t\u00e9 ABC. Essentiellement, la perte sur l\u2019action de la soci\u00e9t\u00e9 ABC peut \u00eatre utilis\u00e9e pour r\u00e9duire le gain sur l\u2019action de la soci\u00e9t\u00e9 XYZ, ce qui laisse l\u2019investisseur sans revenu ni imp\u00f4t suppl\u00e9mentaire \u00e0 la suite de \nces op\u00e9rations.<\/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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Les pertes en capital qui d\u00e9passent les gains en capital pour l\u2019ann\u00e9e peuvent \u00eatre report\u00e9es sur trois ann\u00e9es d\u2019imposition pour r\u00e9duire les gains en capital ant\u00e9rieurs ou report\u00e9es ind\u00e9finiment pour r\u00e9duire les gains en capital futurs.<\/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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Quand devriez-vous envisager la \nr\u00e9colte de pertes \u00e0 des fins fiscales? <\/span><\/h3>

Voici quelques-unes des circonstances les plus courantes qui pourraient m\u00e9riter la mise en \u0153uvre de cette strat\u00e9gie:<\/p>

  1. L\u2019investisseur a d\u00e9clar\u00e9 des gains en capital importants au cours d\u2019une des trois ann\u00e9es d\u2019imposition pr\u00e9c\u00e9dentes, voire chacune de ces ann\u00e9es. Par exemple, si l\u2019investisseur a r\u00e9alis\u00e9 des pertes en capital en 2025, il pourrait les reporter aux ann\u00e9es d\u2019imposition de 2024, 2023 ou 2022.<\/li>
  2. L\u2019investisseur pr\u00e9voit un gain en capital important pour l\u2019ann\u00e9e en cours ou une ann\u00e9e d\u2019imposition \u00e0 venir.<\/li>
  3. Apr\u00e8s avoir consult\u00e9 son conseiller, l\u2019investisseur a jug\u00e9 bon de r\u00e9\u00e9quilibrer ou modifier la r\u00e9partition des actifs du portefeuille.<\/li><\/ol>\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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    Lorsqu\u2019une perte n\u2019est pas une \nperte : les r\u00e8gles sur la perte \napparente<\/span><\/h3>

    Une question souvent pos\u00e9e est pourquoi ne pas simplement vendre mes actions de la soci\u00e9t\u00e9 ABC \u00e0 perte et les racheter imm\u00e9diatement apr\u00e8s la vente? De cette fa\u00e7on, j\u2019obtiens l\u2019avantage fiscal de la perte en capital, mais je garde mes actions de la soci\u00e9t\u00e9 ABC. Ce type de planification n\u2019est pas possible \u00e0 cause des r\u00e8gles sp\u00e9cifiques appel\u00e9es les r\u00e8gles de \n\u00ab perte apparente\u00bb.<\/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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    L\u2019exposition aux r\u00e8gles de perte apparente<\/span><\/h3>\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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    \n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"Exposure\t\t\t\t\t\t\t\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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    Les r\u00e8gles relatives aux pertes apparentes stipulent que si un investisseur n\u2019a pas effectu\u00e9 une r\u00e9elle cession du bien ou s\u2019il a c\u00e9d\u00e9 le bien \u00e0 une \u00ab personne affili\u00e9e \u00bb, la perte peut \u00eatre suspendue ou carr\u00e9ment refus\u00e9e.<\/p>

    Pour que la r\u00e9colte de pertes \u00e0 des fins fiscales soit conforme, l\u2019investisseur ou la personne affili\u00e9e \u00e0 l\u2019investisseur ne peut acqu\u00e9rir le m\u00eame bien ou un \u00ab bien identique \u00bb dans la p\u00e9riode commen\u00e7ant 30 jours avant la date de cession\ndu bien et se terminant 30 jours apr\u00e8s cette date, et toujours d\u00e9tenir le bien identique \u00e0 la fin de cette p\u00e9riode.<\/b><\/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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    Qui sont les \u00ab personnes affili\u00e9es \u00bb?<\/span><\/b><\/h3>

    Les personnes suivantes sont consid\u00e9r\u00e9es comme \u00ab affili\u00e9es \u00bb \u00e0 un investisseur aux fins de l\u2019imp\u00f4t sur le revenu:<\/p>

    • Un particulier et un \u00e9poux ou conjoint de fait<\/li>
    • Une soci\u00e9t\u00e9 et la personne qui la contr\u00f4le, y compris leur \u00e9poux ou conjoint de fait<\/li>
    • Un partenariat et l\u2019\u00ab associ\u00e9 d\u00e9tenant une participation majoritaire \u00bb<\/li>
    • Une fiducie et un \u00ab b\u00e9n\u00e9ficiaire d\u00e9tenant une participation majoritaire \u00bb, y compris l\u2019\u00e9poux ou le conjoint de fait d\u2019un tel b\u00e9n\u00e9ficiaire<\/li><\/ul>

      Remarque: une personne n\u2019est PAS <\/b>affili\u00e9e \u00e0 ses parents, grands-parents, fr\u00e8res et s\u0153urs, enfants ou petits-enfants.<\/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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      Que sont les \u00ab biens identiques \u00bb?<\/span><\/b><\/h3>

      Les biens identiques selon l\u2019Agence du revenu du Canada sont des \u00ab biens qui sont semblables quant \u00e0 tous leurs points importants, de sorte qu\u2019un acheteur \u00e9ventuel n\u2019aurait pas de pr\u00e9f\u00e9rence pour l\u2019un plut\u00f4t que pour l\u2019autre1 \u00bb. Pour d\u00e9terminer si des biens peuvent \u00eatre consid\u00e9r\u00e9s comme des \u00ab biens identiques \u00bb, vous devez tenir compte des attributs, des droits ou des qualit\u00e9s inh\u00e9rents de ces biens. Voici quelques exemples:<\/p>

      • Actions d\u2019une soci\u00e9t\u00e9 ayant les m\u00eames droits<\/li>
      • Dette \u00e9mise par un d\u00e9biteur ayant des droits identiques (rachetable\/r\u00e9tractable, privil\u00e9gi\u00e9e, etc.) quel que soit le montant du capital<\/li>
      • Actions convertibles et les actions en lesquelles elles peuvent \u00eatre converties<\/li>
      • Fonds indiciels qui suivent le m\u00eame indice\nsous-jacent, mais qui sont offerts par des institutions diff\u00e9rentes<\/li><\/ul>\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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        La r\u00e9colte des pertes \u00e0 des fins fiscales peut \u00eatre un outil puissant dans un march\u00e9 instable, mais les r\u00e8gles sont complexes et il est crucial de choisir le bon moment. Assurez-vous de parler \u00e0 votre conseiller Wellington-Altus et \u00e0 votre fiscaliste pour \u00e9valuer si cette strat\u00e9gie se pr\u00eate \u00e0 votre situation particuli\u00e8re.<\/b><\/span><\/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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        1<\/sup> Agence du revenu du Canada, Archiv\u00e9 IT-387R2 \u00ab Sens de l\u2019expression biens identiques \u00bb, 12 septembre 2002.<\/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<\/div>","protected":false},"excerpt":{"rendered":"

        La volatilit\u00e9 des march\u00e9s pousse souvent les investisseurs \u00e0 examiner leurs portefeuilles et la r\u00e9partition de leurs actifs. Bien que la volatilit\u00e9 des march\u00e9s soit rarement agr\u00e9able, elle peut ouvrir la porte \u00e0 de pr\u00e9cieuses occasions, et tout particuli\u00e8rement pour les investisseurs fut\u00e9s sur le plan fiscal. Une de ces possibilit\u00e9s est le \u00ab d\u00e9clenchement \u00bb ou la \u00ab r\u00e9colte \u00bb de pertes en capital.<\/p>","protected":false},"author":14,"featured_media":4038,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[60],"tags":[79,78,83],"class_list":["post-13089","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-wealth-planning","tag-english","tag-francais","tag-french"],"acf":[],"yoast_head":"\nThe Upside of Downturns: Strategic Tax-Loss Harvesting - Wellington-Altus<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/wellington-altus.ca\/fr\/the-upside-of-downturns-strategic-tax-loss-harvesting\/\" \/>\n<meta property=\"og:locale\" content=\"fr_CA\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Upside of Downturns: Strategic Tax-Loss Harvesting - Wellington-Altus\" \/>\n<meta property=\"og:description\" content=\"Volatile markets often prompt investors to review their portfolios and asset allocations. While market volatility is rarely enjoyable, it can open the door to valuable opportunities \u2013 especially for tax-savvy investors. 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