{"id":3090,"date":"2023-07-05T14:58:16","date_gmt":"2021-11-22T00:50:36","guid":{"rendered":"https:\/\/www.rbcwealthmanagement.com\/fr-ca\/?page_id=3090"},"modified":"2025-06-24T16:39:05","modified_gmt":"2025-06-24T20:39:05","slug":"wealth-transfer","status":"publish","type":"page","link":"https:\/\/www.rbcwealthmanagement.com\/fr-ca\/wealth-transfer","title":{"rendered":"Transfert de patrimoine"},"content":{"rendered":"\n<div class=\"wp-block-rbcwm-hero-block rbc-hero-wm rbc-hero-has-image-bleed rbc-hero-overlap rbc-hero-overlap-mobile rbc-hero-48xg0gp5h hide-mobile-energy-lines\"><style>\n\t\t.rbc-hero-48xg0gp5h.is-style-rbc-hero-gradient::before {\n\t\t\tbackground: linear-gradient(90deg, #023169 20%, rgba(94, 120, 131, 0) 60%);\n\t\t}\n\n\t\t.rbc-hero-48xg0gp5h.is-style-rbc-hero-gradient.rbc-hero-has-image-bleed::before {\n\t\t\tbackground: linear-gradient(90deg, #023169 20%, rgba(94, 120, 131, 0) 60%);\n\t\t}\n\n\t\t.rbc-hero-48xg0gp5h.is-style-rbc-hero-gradient.rbc-hero-has-image-bottom::before {\n\t\t\tbackground: linear-gradient(180deg, #023169 20%, rgba(94, 120, 131, 0) 60%);\n\t\t}\n\n\t\t.rbc-hero-48xg0gp5h .rbc-hero-energy-lines.rbc-hero-energy-lines-left {\n\t\t\ttransform: scaleX(-1);\n\t\t}\n\n\t\t@media (max-width: 991px) {\n\t\t\t.rbc-hero-48xg0gp5h.is-style-rbc-hero-gradient::before,\n\t\t\t.rbc-hero-48xg0gp5h.is-style-rbc-hero-gradient.rbc-hero-has-image-bottom::before,\n\t\t\t.rbc-hero-48xg0gp5h.is-style-rbc-hero-gradient.rbc-hero-has-image-bleed::before {\n\t\t\t\tbackground: none;\n\t\t\t}\n\n\t\t\t.rbc-hero-48xg0gp5h.rbc-hero-has-image-full.hide-mobile-energy-lines .rbc-hero-energy-lines {\n\t\t\t\tdisplay: none;\n\t\t\t}\n\n\t\t\t.wp-block-rbcwm-hero-block.rbc-hero-48xg0gp5h.is-style-rbc-hero-gradient .rbc-hero-img-wrap::after {\n\t\t\t\tbackground: linear-gradient( 0deg, #023169 0%, rgba(94, 120, 131, 0) 25% );\n\t\t\t}\n\t\t\t\n\t\t\t.wp-block-rbcwm-hero-block.rbc-hero-48xg0gp5h.is-style-rbc-hero-gradient.rbc-hero-has-image-bottom .rbc-hero-img-wrap::before,\n            .wp-block-rbcwm-hero-block.rbc-hero-48xg0gp5h.is-style-rbc-hero-gradient.rbc-hero-has-image-bottom .container .rbc-hero-img-wrap::before {\n\t\t\t\tbackground: linear-gradient( 180deg, #023169 0%, rgba( 94, 120, 131, 0 ) 25% );\n\t\t\t}\n\t\t\t\n\t\t\t.wp-block-rbcwm-hero-block.rbc-hero-48xg0gp5h.is-style-rbc-hero-gradient .rbc-hero-card {\n\t\t\t\tbackground: #023169;\n\t\t\t}\n\t\t}\n\t<\/style><div class=\"container\"><div class=\"row no-gutters\"><div class=\"col-lg-7 rbc-hero-card-content\"><div class=\"rbc-card rbc-hero-card rbc-hero has-content\"><div class=\"rbc-card-wrap\"><div class=\"rbc-card-body\"><div class=\"rbc-hero-body-content\"><h1 class=\"rbc-hero-title\"><span>Transfert de patrimoine<\/span><\/h1>\n<p class=\"rbc-hero-subtitle\">Observations sur le legs et l\u2019h\u00e9ritage au fil des g\u00e9n\u00e9rations<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"rbc-hero-img-wrap col-lg-5 order-2 order-lg-1\"><div class=\"rbc-hero-img bleed-img-right  rbc-hero-img-desktop-center-center rbc-hero-img-mobile-center-center\" style=\"background-image:url(https:\/\/www.rbcwealthmanagement.com\/en-us\/wp-content\/uploads\/sites\/7\/2023\/06\/trees-reflecting-on-water-banner.webp?w=1600)\"><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<section class=\"wp-block-rbcwm-rbc-block rbc-block rbc-block-grey has-block-grey-background-color has-background\"><div class=\"container\"><div class=\"row \"><div class=\"col-lg-12\">\n<div class=\"row wrap blockId-1473ad28-e228-4e34-ae73-1f14447450a9\">\n<div class=\"wp-block-rbcwm-column col-lg-6\">\t\t<!-- Start of Brightcove Player -->\n\t\t\t\t\t\t<div style=\"display: block; position: relative; min-width: 0px; max-width: 640px;\">\n\t\t\t\t\t<div style=\"padding-top: 56%; \">\n\t\t\t\t\t\t<video-js\n\t\t\t\t\t\t\t\tid=\"5299959218001\"\n\t\t\t\t\t\t\t\tdata-video-id=\"5299959218001\" data-account=\"3187797751001\"\n\t\t\t\t\t\t\t\tdata-player=\"r00PT6QDgm\"\n\t\t\t\t\t\t\t\tdata-usage=\"cms:WordPress:6.9.4:2.8.8:javascript\"\n\t\t\t\t\t\t\t\tdata-embed=\"default\" class=\"video-js\"\n\t\t\t\t\t\t\t\tdata-application-id=\"\"\n\t\t\t\t\t\t\t\tcontrols   \t\t\t\t\t\t\t\tstyle=\"width: 100%; height: 360px; position: absolute; top: 0; bottom: 0; right: 0; left: 0;\">\n\t\t\t\t\t\t<\/video-js>\n\n\t\t\t\t\t\t<script src=\"https:\/\/players.brightcove.net\/3187797751001\/r00PT6QDgm_default\/index.min.js\"><\/script> \t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<!-- End of Brightcove Player -->\n\t\t<\/div>\n\n\n\n<div class=\"wp-block-rbcwm-column col-lg-6 mt-3 my-lg-auto\">\n<p>En l\u2019espace d\u2019une g\u00e9n\u00e9ration, une somme sup\u00e9rieure \u00e0 400 milliards de dollars devrait \u00eatre l\u00e9gu\u00e9e \u00e0 des h\u00e9ritiers au Canada. Comment les familles canadiennes se pr\u00e9parent-elles \u00e0 l\u2019un des plus importants transferts de patrimoine de l\u2019histoire ? Les h\u00e9ritiers seront-ils pr\u00eats ?<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><\/div>\n<\/div>\n<\/div>\n<\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-rbcwm-rbc-block rbc-block rbc-block-grey has-block-grey-background-color has-background\"><div class=\"container\"><div class=\"row \"><div class=\"col-lg-12\">\n<header class=\"wp-block-rbcwm-block-header row rbc-block-header\"><div class=\"col-lg-12\">\n<div class=\"row\">\n\n<h2 class=\"wp-block-heading rbc-block-header-title col-lg-12\" id=\"h-la-quete-personnelle-de-connaissances\">La qu\u00eate personnelle de connaissances<\/h2>\n\n<\/div>\n\n\n\n<div class=\"wp-block-rbcwm-block-header-description rbc-block-header-description\">\n<p><\/p>\n<\/div>\n<\/div><\/header>\n\n\n\n<div class=\"row blockId-dc3d0e04-ef7e-4c18-b04a-49a99c31e5d9\">\n<div class=\"wp-block-rbcwm-column col-lg-12\">\n<div class=\"row wrap blockId-7eeadbc5-cd12-403f-a503-3a8a388df8fc\">\n<div class=\"wp-block-rbcwm-column col-lg-6 mb-2 mb-lg-0\">\t\t<div class=\"wp-block-rbcwm-draggable-slider\">\n\t\t\t<h3 class=\"h4\">\u00c0 quel \u00e2ge estimez-vous que les gens devraient \u00eatre initi\u00e9s aux questions de patrimoine et d\u2019argent ?<\/h3>\n\t\t\t<div>\n\t\t\t\t<div class=\"row justify-content-center align-items-center my-1 draggable-slider-results\">\n\t\t\t\t\t<div class=\"col-4\">\n\t\t\t\t\t\t<div class=\"position-relative text-center\">\n\t\t\t\t\t\t\t<span aria-hidden=\"true\" class=\"text-number position-absolute h-100 w-100 d-flex justify-content-center align-items-center\">26<\/span>\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" viewBox=\"0 0 110 110\" class=\"circle-svg w-100 c-tundra-tint-1\" style=\"max-width: 100px;\">\n\t\t\t\t\t\t\t\t<circle cx=\"55\" cy=\"55\" r=\"45\" class=\"circle-fill\" style=\"fill: rgb(242, 243, 243);\"><\/circle>\n\t\t\t\t\t\t\t\t<circle transform=\"rotate(-90, 55, 55)\" cx=\"55\" cy=\"55\" r=\"50\" class=\"circle-stroke\" style=\"stroke-dashoffset: 0;\"><\/circle>\n\t\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"col-8\">\n\t\t\t\t\t\t<h4 class=\"h5\"><span class=\"sr-only\">28<\/span>En moyenne, les gens commencent \u00e0 l\u2019\u00e2ge de 26 ans.<\/h4>\n\t\t\t\t\t\t<p>Toutefois, les personnes ayant commenc\u00e9 \u00e0 recevoir une formation avant l\u2019\u00e2ge de 18 ans doutent moins de leurs connaissances en mati\u00e8re de patrimoine et d\u2019argent.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.rbcwealthmanagement.com\/fr-ca\/wp-content\/plugins\/rbc-wealth-management-blocks\/\/blocks\/draggable-slider\/images\/infographic-ages.png\" alt=\"Infographic Ages\" class=\"img-fluid\" \/>\n\t\t\t<\/div>\n\t\t\t<div class=\"rbc-slider mt-half\">\n\t\t\t\t<span class=\"sr-only rbcMinValue\">Valeur minimale: 0<\/span>\n\t\t\t\t<span class=\"sr-only rbcMaxValue\">Valeur maximale: 60<\/span>\n\t\t\t\t<div class=\"rbc-slider-wrap rbc-slider-pt\">\n\t\t\t\t\t<div class=\"rbc-slider-nowrap\">\n\t\t\t\t\t\t<div class=\"rbc-slider-control-wrap\">\n\t\t\t\t\t\t\t<div class=\"rbc-slider-legend\">\n\t\t\t\t\t\t\t\t<span class=\"rbc-slider-legend-ticker\" data-value=\"10\">10<\/span><span\n\t\t\t\t\t\t\t\t\tclass=\"rbc-slider-legend-ticker\" data-value=\"20\">20<\/span><span\n\t\t\t\t\t\t\t\t\tclass=\"rbc-slider-legend-ticker\" data-value=\"30\">30<\/span>\n\t\t\t\t\t\t\t\t<span class=\"rbc-slider-legend-ticker\" data-value=\"40\">40<\/span><span\n\t\t\t\t\t\t\t\t\tclass=\"rbc-slider-legend-ticker\" data-value=\"50\">50<\/span><span\n\t\t\t\t\t\t\t\t\tclass=\"rbc-slider-legend-ticker\" data-value=\"60\">60<\/span>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<input aria-describedby=\"rbcMinValue rbcMaxValue\" max=\"60\" min=\"0\" step=\"1\" data-output=\"\" type=\"range\" class=\"rbc-slider-control\" value=\"0\" \/>\n\t\t\t\t\t\t\t<output class=\"rbc-slider-output\" style=\"left: unset; right: 1085px;\">0<\/output>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<input aria-hidden=\"true\" type=\"hidden\" \/>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t<\/div>\n\n\n\n<div class=\"wp-block-rbcwm-column col-lg-6\">\n<p><br>Comment les gens apprennent-ils \u00e0 g\u00e9rer patrimoine et argent ? Vous pourriez \u00eatre surpris. Nous avons men\u00e9 une enqu\u00eate aupr\u00e8s de 1 054 Canadiens, dont la valeur des actifs investissables s\u2019\u00e9l\u00e8ve en moyenne \u00e0 3,8 millions de dollars. Selon notre enqu\u00eate, les gens sont en g\u00e9n\u00e9ral initi\u00e9s aux questions financi\u00e8res par leur famille, mais ils acqui\u00e8rent pour la plupart leurs connaissances en mati\u00e8re d\u2019argent par leurs propres moyens.<\/p>\n\n\n\n<h4 class=\"wp-block-heading h5\">Principales conclusions :<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Les gens commencent \u00e0 recevoir des conseils financiers \u00e0 26 ans, soit plus tard que vous pourriez le penser<\/li>\n\n\n\n<li>Une proportion de 57 % des r\u00e9pondants s\u2019adresse \u00e0 des personnes comp\u00e9tentes pour parfaire leurs connaissances en finance<\/li>\n\n\n\n<li>L\u2019\u00e9ducation financi\u00e8re est transmise par la famille, mais il ne s\u2019agit pas de la m\u00e9thode la plus efficace<\/li>\n<\/ul>\n\n\n\n<p class=\"link-button link-cta link-icon\"><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/RBC-rapport-sur-le-transfert-de-patrimoine-2017.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">T\u00e9l\u00e9charger le rapport<\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-rbcwm-rbc-block rbc-block has-primary-background-color has-background b-primary\"><div class=\"container\"><div class=\"row \"><div class=\"col-lg-12\">\n<div class=\"row blockId-9d1aa460-a363-48e2-817b-12e98adf66c9\">\n<div class=\"wp-block-rbcwm-column col-lg-8 has-white-color has-text-color\"><div class=\"wrap\">\n<h4 class=\"wp-block-heading has-white-color has-text-color\">\u00ab Il est important d\u2019\u00eatre \u00e0 l\u2019aise avec l\u2019id\u00e9e de recevoir un h\u00e9ritage et d\u2019en comprendre la provenance. Dans mon cas, il provenait de la vente d\u2019une entreprise familiale. Je suis gestionnaire plut\u00f4t que propri\u00e9taire de ce patrimoine. \u00bb<\/h4>\n\n\n\n<p>Ian, h\u00e9ritier de cinqui\u00e8me g\u00e9n\u00e9ration<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><\/div>\n<\/div><\/div>\n<\/div>\n<\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-rbcwm-rbc-block rbc-block\"><div class=\"container\"><div class=\"row \"><div class=\"col-lg-12\"><div class=\"wrap\">\n<div class=\"row blockId-d85907d2-4c8d-423b-b4e2-4afd2d2725aa\">\n<div class=\"wp-block-rbcwm-column col-lg-8\">\t\t<!-- Start of Brightcove Player -->\n\t\t\t\t\t\t<div style=\"display: block; position: relative; min-width: 0px; max-width: 640px;\">\n\t\t\t\t\t<div style=\"padding-top: 56%; \">\n\t\t\t\t\t\t<video-js\n\t\t\t\t\t\t\t\tid=\"5300270398001\"\n\t\t\t\t\t\t\t\tdata-video-id=\"5300270398001\" data-account=\"3187797751001\"\n\t\t\t\t\t\t\t\tdata-player=\"r00PT6QDgm\"\n\t\t\t\t\t\t\t\tdata-usage=\"cms:WordPress:6.9.4:2.8.8:javascript\"\n\t\t\t\t\t\t\t\tdata-embed=\"default\" class=\"video-js\"\n\t\t\t\t\t\t\t\tdata-application-id=\"\"\n\t\t\t\t\t\t\t\tcontrols   \t\t\t\t\t\t\t\tstyle=\"width: 100%; height: 360px; position: absolute; top: 0; bottom: 0; right: 0; left: 0;\">\n\t\t\t\t\t\t<\/video-js>\n\n\t\t\t\t\t\t<script src=\"https:\/\/players.brightcove.net\/3187797751001\/r00PT6QDgm_default\/index.min.js\"><\/script> \t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<!-- End of Brightcove Player -->\n\t\t\n\n\n<h3 class=\"wp-block-heading mt-3\">\u00ab \u00c0 peine 25 % des Qu\u00e9b\u00e9cois sont dot\u00e9s d\u2019une strat\u00e9gie compl\u00e8te de transfert de patrimoine. Cela indique tout de m\u00eame que la majorit\u00e9 de la population aurait int\u00e9r\u00eat \u00e0 mieux se pr\u00e9parer. \u00bb<\/h3>\n\n\n\n<p>&#8211;&nbsp;<strong>Nathalie Elharrar-Noik<\/strong>, Vice-pr\u00e9sidente, Services en planification, Client\u00e8le fortun\u00e9e, Services de gestion de patrimoine RBC<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><\/div>\n<\/div>\n<\/div>\n<\/div><\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-rbcwm-rbc-block rbc-block rbc-block-flush-bottom rbc-block-grey has-block-grey-background-color has-background\"><div class=\"container\"><div class=\"row \"><div class=\"col-lg-12\">\n<div class=\"row blockId-9d1aa460-a363-48e2-817b-12e98adf66c9\">\n<div class=\"wp-block-rbcwm-column col-lg-8\"><div class=\"wrap\">\n<p>La plupart des gens veulent prot\u00e9ger et faire fructifier leur patrimoine afin que la g\u00e9n\u00e9ration suivante puisse pr\u00e9server leurs valeurs, rendre service \u00e0 leur collectivit\u00e9 et faire durer leurs legs. C\u2019est pourquoi notre enqu\u00eate vise \u00e0 comprendre leurs intentions et les mesures qu\u2019ils prennent quant au transfert de patrimoine \u00e0 la prochaine g\u00e9n\u00e9ration.<\/p>\n\n\n\n<p>Nous avons men\u00e9 une enqu\u00eate aupr\u00e8s de 3&nbsp;105&nbsp;personnes du Canada, du Royaume-Uni et des \u00c9tats-Unis, dont la valeur nette moyenne s\u2019\u00e9tablit \u00e0 4,5&nbsp;millions de dollars&nbsp;US, et avons enrichi les donn\u00e9es \u00e0 l\u2019aide d\u2019entrevues individuelles. Parmi ces personnes figuraient des hommes et des femmes, des professionnels, des entrepreneurs, des retrait\u00e9s et des propri\u00e9taires d\u2019entreprise, ainsi que des donateurs et des h\u00e9ritiers. Nous avons d\u00e9couvert que les gens craignent que leurs h\u00e9ritiers n\u2019aient pas les notions financi\u00e8res n\u00e9cessaires pour prot\u00e9ger et faire fructifier le patrimoine familial. Notre enqu\u00eate a montr\u00e9 que pour cr\u00e9er un legs durable, une bonne pr\u00e9paration et un transfert efficace des connaissances s\u2019av\u00e8rent d\u2019une importance capitale.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><\/div>\n<\/div><\/div>\n<\/div>\n<\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-rbcwm-rbc-block alignfull rbc-block rbc-block-flush-bottom rbc-block-grey rbc-block-has-overlap rbc-block-small has-block-grey-background-color has-background\"><div class=\"container\"><div class=\"row \"><div class=\"col-lg-12\">\n<div class=\"wp-block-rbcwm-rbc-button rbc-button-block row no-gutters align-items-end b-white blockId-5774b16a-7ebd-4590-b0aa-48cc33c2381c blockId-c66ddcf3-7dbc-490b-b731-1e95f0caf663 rbc-block-has-overlap overlap-bottom\"><div class=\"rbc-card\"><div class=\"rbc-card-wrap\"><div class=\"rbc-card-body\"><div class=\"row\"><div class=\"col-lg-8\"><h3 class=\"mb-0 rbc-button-block-title\"><span>Entrons en contact<\/span><\/h3><hr class=\"hr-mini my-1-half bdr-warm-grey\"\/>\n<p class=\"paragraph-intro\">Nous voulons discuter de votre avenir financier.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"col-lg-7\"><a href=\"https:\/\/www.rbcwealthmanagement.com\/fr-ca\/contact\/\" class=\"rbc-button rbc-button-block-cta rbc-button-large rbc-button-warm-grey rbc-button-block\" rel=\"noopener\"><div class=\"rbc-icon rbc-button-icon-right\"><i aria-hidden=\"true\" role=\"img\" class=\"rbc-icon-img fal fa-angle-right\"><\/i><\/div><span>Laissez-nous communiquer avec vous<\/span><\/a><\/div><\/div>\n<\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"<p>Observations sur le legs et l\u2019h\u00e9ritage au fil des 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