{"id":8135,"date":"2023-09-20T14:09:21","date_gmt":"2023-09-20T19:09:21","guid":{"rendered":"https:\/\/wellington-altus.ca\/?p=8135"},"modified":"2024-11-15T20:47:40","modified_gmt":"2024-11-16T01:47:40","slug":"solving-the-retirement-funding-puzzle","status":"publish","type":"post","link":"https:\/\/wellington-altus.ca\/fr\/solving-the-retirement-funding-puzzle\/","title":{"rendered":"R\u00e9soudre le casse-t\u00eate du financement \nde la retraite\u00a0"},"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 retraite est g\u00e9n\u00e9ralement une occasion de r\u00e9jouissance, \nmais elle s\u2019accompagne souvent d\u2019une bonne part d\u2019anxi\u00e9t\u00e9 \nfinanci\u00e8re. Les recherches indiquent que de nombreuses \npersonnes craignent de survivre \u00e0 leurs \u00e9conomies, ce qui \nles emp\u00eache de profiter pleinement de la vie tout au long \nde leur retraite.<\/p>

Les conseillers peuvent aider les clients \u00e0 r\u00e9soudre ce que \nl\u2019on a baptis\u00e9 le \u00ab probl\u00e8me le plus \u00e9pineux et le plus difficile \nen mati\u00e8re de finances \u00bb1<\/sup> en cr\u00e9ant un flux de tr\u00e9sorerie \net une source de revenus pour les aider \u00e0 bien vivre \n\u00e0 la retraite sans craindre de manquer de fonds.<\/p>

La g\u00e9n\u00e9ration d\u2019un flux de tr\u00e9sorerie peut avoir un impact \ntr\u00e8s positif sur la retraite. Les flux de tr\u00e9sorerie peuvent \naider \u00e0 lisser les revenus annuels et les obligations fiscales \npersonnelles et \u00e0 financer les d\u00e9penses inattendues \nqui peuvent survenir.<\/p>

Qu\u2019est-ce qu\u2019un flux de tr\u00e9sorerie et en quoi \nse diff\u00e9rencie-t-il du revenu?\u00a0<\/strong><\/p>

Pour le dire simplement, les flux de tr\u00e9sorerie ne figurent \npas dans la d\u00e9claration de revenus des particuliers \net ne sont pas assujettis \u00e0 l\u2019imp\u00f4t sur le revenu, \ncontrairement au revenu. Les sources les plus courantes \nde flux de tr\u00e9sorerie sont l\u2019argent comptant \nou les comptes-ch\u00e8ques et le CELI d\u2019un particulier.<\/p>

Bien que chaque situation soit unique, voici quelques \nquestions pour commencer \u00e0 \u00e9laborer un plan de retraite :<\/p>

  1. Comment envisagez-vous la retraite? <\/strong>Il est important \nde comprendre vos objectifs de retraite et vos habitudes \nde d\u00e9penses. Pr\u00e9voyez-vous de d\u00e9penser la majeure \npartie de vos actifs ou de laisser un patrimoine \n\u00e0 des b\u00e9n\u00e9ficiaires d\u00e9sign\u00e9s?<\/li>
  2. Quels sont les risques? <\/strong>Vous attendez-vous \n\u00e0 \u00eatre en bonne sant\u00e9 et \u00e0 profiter d\u2019une longue retraite? \nLa plupart des r\u00e9gimes de retraite pr\u00e9voient des frais \nde subsistance et des d\u00e9penses li\u00e9es au mode de vie jusqu\u2019\u00e0 \nl\u2019\u00e2ge de 90 ans et plus. Les r\u00e9gimes de retraite devraient \n\u00eatre r\u00e9guli\u00e8rement r\u00e9examin\u00e9s pour tenir compte \ndes principaux risques li\u00e9s aux co\u00fbts des soins de sant\u00e9, \n\u00e0 l\u2019inflation, \u00e0 une mauvaise s\u00e9quence de rendements \nou \u00e0 tout \u00e9cart par rapport \u00e0 vos hypoth\u00e8ses.<\/li>
  3. Quelles sont les sources de financement disponibles? <\/strong>Un plan de pr\u00e9l\u00e8vement efficace sur toutes les sources \ndisponibles aide \u00e0 minimiser les imp\u00f4ts, \u00e0 mettre plus \nde fonds \u00e0 votre disposition pendant vos ann\u00e9es de retraite \net \u00e0 maximiser la valeur de votre succession, le cas \u00e9ch\u00e9ant.<\/li><\/ol>

    Tout d\u2019abord, examinons quelques-unes des sources \ntypiques de flux de tr\u00e9sorerie et de revenu sur les plans \nde la souplesse, de l\u2019imposition et du contr\u00f4le.<\/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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    \n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"Sources\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
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    Aides gouvernementales<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    R\u00e9gimes enregistr\u00e9s d\u2019\u00e9pargne-retraite et r\u00e9gimes \nde retraite \u00e0 prestations d\u00e9termin\u00e9es<\/h3>\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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    De nombreux Canadiens \u00e9pargnent en vue de la retraite \nau moyen de comptes enregistr\u00e9s d\u2019\u00e9pargne-retraite (REER) \net de comptes de retraite immobilis\u00e9s (CRI), qui permettent \naux cotisations de fructifier en \u00e9tant exon\u00e9r\u00e9s d\u2019imp\u00f4t \ndans le cadre du plan. Les retraits effectu\u00e9s dans le cadre \nde ces r\u00e9gimes lors de la retraite sont impos\u00e9s comme \ndes revenus ordinaires, sous r\u00e9serve de certaines r\u00e8gles :\u00a0<\/p>

    • Les REER doivent \u00eatre convertis en fonds enregistr\u00e9s \nde revenu de retraite (FERR) et\/ou en rente avant la fin \nde l\u2019ann\u00e9e civile au cours de laquelle le titulaire du compte \natteint l\u2019\u00e2ge de 71 ans.<\/li>
    • Les CRI comportent d\u2019autres facteurs li\u00e9s au d\u00e9blocage \net \u00e0 l\u2019\u00e2ge selon la province de r\u00e9sidence. Dans certaines \ncirconstances, 50 % d\u2019un CRI peut \u00eatre transf\u00e9r\u00e9 dans \nun REER, et le reste peut \u00eatre converti en fonds de revenu \nviager (FRV) et\/ou en rente \u00e0 la retraite, au plus t\u00f4t \u00e0 55 ans \net au plus tard \u00e0 la fin de l\u2019ann\u00e9e civile o\u00f9 le titulaire \ndu compte atteint l\u2019\u00e2ge de 71 ans.<\/li>
    • Les retraits doivent respecter les pourcentages minimums \n(et maximums, dans le cas d\u2019un FRV) qui sont annonc\u00e9s \nen fonction de l\u2019\u00e2ge du titulaire du compte le 1er janvier \nde chaque ann\u00e9e. Dans le cas des FERR, il est possible \nde choisir, au moment de la conversion, d\u2019utiliser l\u2019\u00e2ge \nde l\u2019\u00e9poux ou du conjoint de fait.<\/li>
    • Jusqu\u2019\u00e0 50 % des retraits d\u2019un FERR, d\u2019un FRRI \nou d\u2019une rente peuvent \u00eatre partag\u00e9s avec l\u2019\u00e9poux \nou le conjoint de fait, compte tenu des r\u00e8gles canadiennes \nsur le partage des pensions \u00e9ligibles.<\/li>
    • Les REER de conjoint demeurent un outil de retraite \nutile et peuvent aider \u00e0 \u00e9quilibrer le capital de retraite, \nles revenus et les imp\u00f4ts associ\u00e9s pour un couple : \nle conjoint ayant les revenus les plus \u00e9lev\u00e9s cotise \n\u00e0 un REER de conjoint et, en fin de compte, les retraits \ndu FERR sont impos\u00e9s en fonction des revenus du conjoint \nayant les revenus les plus faibles \u00e0 la retraite.<\/li><\/ul>

      Les r\u00e9gimes de retraite \u00e0 prestations d\u00e9termin\u00e9es \nsont une autre source constante et stable de financement \nde la retraite pour ceux qui y ont acc\u00e8s. Les paiements \nde pension sont impos\u00e9s comme un revenu ordinaire, \npeuvent \u00e9galement \u00eatre index\u00e9s sur l\u2019inflation \net sont \u00e9ligibles au partage des revenus de pension \navec l\u2019\u00e9poux ou le conjoint de fait.<\/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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      Placements non enregistr\u00e9s et actifs d\u2019entreprises <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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      \n\t\t\t\t\t\t\t\t\tLorsqu\u2019ils sont disponibles, les placements non enregistr\u00e9s \nou dans des soci\u00e9t\u00e9s priv\u00e9es2<\/sup> peuvent permettre \nd\u2019augmenter les aides du gouvernement et\/ou l\u2019\u00e9pargne \nenregistr\u00e9e et le revenu de retraite \u00e0 prestations \nd\u00e9termin\u00e9es. Ces sources de financement ont tendance \n\u00e0 offrir plus de souplesse quant au moment, au montant \net \u00e0 la nature du revenu ou des capitaux\/flux de tr\u00e9sorerie \ndisponibles, et elles peuvent \u00eatre utilis\u00e9es au besoin \npour des achats plus importants ou pour constituer le gros \nd\u2019une succession.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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      Comptes d\u2019\u00e9pargne libre d\u2019imp\u00f4t (CELI)<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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      Les CELI offrent le maximum d\u2019efficacit\u00e9 fiscale \net de souplesse en mati\u00e8re de financement de la retraite, \npuisque les revenus et les gains g\u00e9n\u00e9r\u00e9s par le CELI ainsi \nque les retraits sont exon\u00e9r\u00e9s d\u2019imp\u00f4t.<\/p>

      Strat\u00e9gies cl\u00e9s <\/strong><\/p>

      Une fois que vous aurez d\u00e9termin\u00e9 vos objectifs \nde retraite et vos sources de financement, votre conseiller \nde Wellington-Altus pourra pr\u00e9parer un plan de financement \nde retraite d\u00e9crivant un ou plusieurs sc\u00e9narios \u00e0 prendre \nen consid\u00e9ration. Voici quelques strat\u00e9gies \u00e0 envisager :<\/p>

      1. Diff\u00e9rez l\u2019aide gouvernementale. <\/strong>Malgr\u00e9 la possibilit\u00e9 \nd\u2019obtenir des paiements garantis et index\u00e9s plus \n\u00e9lev\u00e9s \u00e0 vie, seulement 1 % des Canadiens reportent \nle versement du revenu du RPC jusqu\u2019\u00e0 l\u2019\u00e2ge de 70 ans.<\/li>
      2. Retirez des actifs du FERR plus t\u00f4t pour combler l\u2019\u00e9cart \navant d\u2019avoir acc\u00e8s aux aides gouvernementales \ndiff\u00e9r\u00e9es, ce qui permet de lisser le revenu et l\u2019impact \nfiscal associ\u00e9 tout au long de la retraite. <\/strong>Utilisez toute \nmarge fiscale exc\u00e9dentaire pour financer les cotisations \nau CELI, puis les placements non enregistr\u00e9s.<\/li>
      3. Assurez-vous d\u2019utiliser tous les cr\u00e9dits d\u2019imp\u00f4t, \nd\u00e9ductions et possibilit\u00e9s de fractionnement \ndu revenu disponibles <\/strong>(p. ex., fractionnement du revenu \nde pension et cr\u00e9dit d\u2019imp\u00f4t pour revenu de pension).<\/li>
      4. Envisagez de demander \u00e0 l\u2019Agence du revenu \ndu Canada de \u00ab sauter une ann\u00e9e \u00bb pour \u00e9viter \nde d\u00e9clencher l\u2019imp\u00f4t de r\u00e9cup\u00e9ration de la SV lorsque \nvous vous attendez \u00e0 un gain en capital important, \npeut-\u00eatre \u00e0 la suite de la vente d\u2019une propri\u00e9t\u00e9 \nde vacances.<\/strong><\/li>
      5. Lissez l\u2019imp\u00f4t sur la r\u00e9cup\u00e9ration de la SV en planifiant \nstrat\u00e9giquement la perception de dividendes \nimposables dans la mesure du possible, en partageant \nles revenus de pension avec votre conjoint \nou en enregistrant des revenus importants avant \nde commencer \u00e0 percevoir la SV, <\/strong>tout en tenant compte \nde l\u2019inscription automatique \u00e0 la SV et en retardant \nproactivement le d\u00e9but des paiements jusqu\u2019\u00e0 l\u2019\u00e2ge \nde 70 ans.<\/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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        Conclusion<\/strong><\/p>

        La situation de chaque client est unique; par cons\u00e9quent, il est impossible d\u2019\u00e9laborer un plan de retraite \nprenant en compte tous les sc\u00e9narios possibles. Les chocs de d\u00e9penses, les changements de situation \nfamiliale et l\u2019imposition \u00e0 l\u2019\u00e9tranger sont des exemples d\u2019\u00e9v\u00e9nements qui peuvent mener \u00e0 des r\u00e9sultats \nde planification diff\u00e9rents. Il est essentiel d\u2019avoir une compr\u00e9hension approfondie de vos besoins \nen mati\u00e8re de planification des d\u00e9penses et de succession, de savoir quand une analyse plus pouss\u00e9e \nest justifi\u00e9e, d\u2019\u00e9valuer toutes les hypoth\u00e8ses et de soumettre les r\u00e9sultats \u00e0 des tests de r\u00e9sistance \ndans le cadre de diff\u00e9rents sc\u00e9narios pour \u00e9laborer un plan de retraite r\u00e9ussi.\u00a0<\/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>William Sharpe, \u00e9conomiste laur\u00e9at du prix Nobel, Barron\u2019s, novembre 2019.\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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        \n\t\t\t\t\t\t\t\t\t2<\/sup> Il convient de noter que, bien que les dividendes soient impos\u00e9s plus favorablement que les revenus, ils peuvent avoir une incidence n\u00e9gative sur les droits \u00e0 la SV fond\u00e9s sur les revenus en raison \ndu m\u00e9canisme de majoration utilis\u00e9 pour d\u00e9clarer les dividendes.\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 retraite est g\u00e9n\u00e9ralement une occasion de r\u00e9jouissance, \nmais elle s\u2019accompagne souvent d\u2019une bonne part d\u2019anxi\u00e9t\u00e9 \nfinanci\u00e8re. Les recherches indiquent que de nombreuses \npersonnes craignent de survivre \u00e0 leurs \u00e9conomies, ce qui \nles emp\u00eache de profiter pleinement de la vie tout au long \nde leur retraite.\u00a0<\/p>","protected":false},"author":14,"featured_media":6291,"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-8135","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-wealth-planning","tag-english","tag-francais","tag-french"],"acf":[],"yoast_head":"\nSolving The Retirement Funding Puzzle\u00a0 - 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\/solving-the-retirement-funding-puzzle\/\" \/>\n<meta property=\"og:locale\" content=\"fr_CA\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Solving The Retirement Funding Puzzle\u00a0 - Wellington-Altus\" \/>\n<meta property=\"og:description\" content=\"While generally a cause for celebration, retirement often comes with its fair share of financial anxiety. 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