{"id":1248,"date":"2023-03-10T00:00:00","date_gmt":"2023-03-10T00:00:00","guid":{"rendered":"https:\/\/www.rbcwealthmanagement.com\/fr-ca\/2023\/03\/10\/maturity-options-how-to-look-beyond-rrsps\/"},"modified":"2023-11-01T10:48:01","modified_gmt":"2023-11-01T14:48:01","slug":"maturity-options-how-to-look-beyond-rrsps","status":"publish","type":"post","link":"https:\/\/www.rbcwealthmanagement.com\/fr-ca\/insights\/maturity-options-how-to-look-beyond-rrsps","title":{"rendered":"Options \u00e0 l\u2019\u00e9ch\u00e9ance : au-del\u00e0 des REER"},"content":{"rendered":"<p>Les r&eacute;gimes enregistr&eacute;s d&rsquo;&eacute;pargne-retraite (REER), les r&eacute;gimes enregistr&eacute;s d&rsquo;&eacute;pargne-retraite (REER) immobilis&eacute;s et les comptes de retraite immobilis&eacute;s (CRI) sont des outils efficaces d&rsquo;&eacute;pargner pour votre avenir. Plusieurs options &agrave; l&rsquo;&eacute;ch&eacute;ance s&rsquo;offrent &agrave; vous pour acc&eacute;der &agrave; vos actifs REER, et chacune d&rsquo;entre elles pr&eacute;sente des avantages et des inconv&eacute;nients particuliers. Votre REER arrive &agrave; &eacute;ch&eacute;ance le dernier jour de l&rsquo;ann&eacute;e civile o&ugrave; vous atteignez 71&nbsp;ans. Vous devez alors convertir tous vos fonds REER dans l&rsquo;une des options ou dans une combinaison d&rsquo;options ci-dessous. Les incidences fiscales d&eacute;pendent de l&rsquo;option ou des options que vous choisissez.<\/p>\n<ul>\n<li>D&eacute;senregistrez votre REER et recevez un versement forfaitaire en esp&egrave;ces<\/li>\n<li>Convertissez votre REER en fonds enregistr&eacute; de revenu de retraite (FERR)<\/li>\n<li>Achetez une rente<\/li>\n<\/ul>\n<p>La ou les options &agrave; l&rsquo;&eacute;ch&eacute;ance choisies seront soumises &agrave; diff&eacute;rents crit&egrave;res. Il vous faut d&eacute;cider si vous souhaitez obtenir un revenu maintenant (ou plus tard) ou si vous voulez maximiser votre patrimoine pour vos h&eacute;ritiers. Les crit&egrave;res &agrave; consid&eacute;rer sont les suivants&nbsp;:<\/p>\n<ul>\n<li>Besoins personnels et familiaux de revenu<\/li>\n<li>Objectifs de la succession<\/li>\n<li>Revenu garanti ou variable<\/li>\n<li>D&eacute;sir de r&eacute;duire au minimum l&rsquo;imp&ocirc;t sur le revenu<\/li>\n<li>Protection contre l&rsquo;inflation<\/li>\n<\/ul>\n<p>Un FERR ou une rente continueront d&rsquo;offrir un certain report d&rsquo;imp&ocirc;t, puisque les revenus seront per&ccedil;us sur plusieurs ann&eacute;es. Les versements forfaitaires en esp&egrave;ces entra&icirc;nent les incidences fiscales les plus f&acirc;cheuses et sont g&eacute;n&eacute;ralement d&eacute;conseill&eacute;s, &agrave; moins que la valeur dans le REER ne soit relativement faible.<\/p>\n<p>&Agrave; l&rsquo;&eacute;ch&eacute;ance, la plupart des gens choisissent soit un FERR, soit une rente. La conversion d&rsquo;un REER en FERR ou en rente donne lieu &agrave; un report d&rsquo;imp&ocirc;t. De plus, si vous convertissez votre REER en FERR, les placements d&eacute;tenus dans votre REER peuvent &ecirc;tre transf&eacute;r&eacute;s directement dans le compte FERR. Il n&rsquo;est pas n&eacute;cessaire que les placements de votre REER viennent &agrave; &eacute;ch&eacute;ance ou soient liquid&eacute;s avant ce type de transfert.<\/p>\n<h2>Conversion en FERR<\/h2>\n<p>Un FERR est en fait le prolongement d&rsquo;un REER, sauf qu&rsquo;il est destin&eacute; &agrave; procurer un revenu stable. En choisissant cette option, vous b&eacute;n&eacute;ficierez de la m&ecirc;me souplesse que celle offerte par le REER, y compris les m&ecirc;mes types de placements et d&rsquo;acc&egrave;s aux fonds. Contrairement au REER, le FERR exige un versement annuel minimal. Parmi toutes les options &agrave; l&rsquo;&eacute;ch&eacute;ance disponibles, le FERR offre de nombreux choix flexibles, dont le contr&ocirc;le de la gestion de vos actifs, un revenu annuel souple et la possibilit&eacute; de r&eacute;duire l&rsquo;imp&ocirc;t au minimum.<\/p>\n<h2>Achat d&rsquo;une rente viag&egrave;re<\/h2>\n<p>Une rente viag&egrave;re est essentiellement un contrat conclu entre un particulier et un fournisseur d&rsquo;assurance en vue d&rsquo;obtenir un flux de revenu garanti durant toute la vie ou pendant une p&eacute;riode d&eacute;termin&eacute;e. Lorsque vous achetez une rente, vous devez pr&eacute;ciser que vous utiliserez une partie ou la totalit&eacute; de votre REER pour effectuer l&rsquo;achat, ainsi que le type de rente que vous souhaitez acheter, qui d&eacute;pendra de vos objectifs de retraite et de succession. La d&eacute;cision peut s&rsquo;av&eacute;rer difficile &agrave; prendre en raison du grand nombre de possibilit&eacute;s existantes. Le montant du revenu que vous recevrez d&eacute;pendra du type de rente choisi, ainsi que de facteurs tels que l&rsquo;esp&eacute;rance de vie, l&rsquo;&acirc;ge actuel, le sexe, la sant&eacute;, la somme investie et les taux d&rsquo;int&eacute;r&ecirc;t au moment de l&rsquo;achat. En souscrivant une rente, vous immobilisez les taux d&rsquo;int&eacute;r&ecirc;t qui courent actuellement sur le placement pendant toute la dur&eacute;e de la rente.<\/p>\n<p>Divers types de rentes peuvent &ecirc;tre souscrits au moyen des fonds de REER, notamment les suivantes&nbsp;:<\/p>\n<ul>\n<li>Une rente viag&egrave;re, avec ou sans p&eacute;riode de garantie<\/li>\n<li>Une rente viag&egrave;re r&eacute;versible, avec ou sans p&eacute;riode de garantie<\/li>\n<li>Une rente certaine jusqu&rsquo;&agrave; 90&nbsp;ans<\/li>\n<\/ul>\n<h2>Options &agrave; l&rsquo;&eacute;ch&eacute;ance pour les REER immobilis&eacute;s (ou les CRI)<\/h2>\n<p>Un REER immobilis&eacute;, aussi d&eacute;sign&eacute; comme CRI dans certaines provinces, est cr&eacute;&eacute; lorsque vous transf&eacute;rez la valeur escompt&eacute;e (versement forfaitaire) d&rsquo;un r&eacute;gime de retraite agr&eacute;&eacute; (RRA). La valeur escompt&eacute;e repr&eacute;sente la valeur actualis&eacute;e de l&rsquo;ensemble des prestations de retraite futures que vous auriez re&ccedil;ues si vous n&rsquo;aviez pas cess&eacute; de participer au RRA.<\/p>\n<p>Le REER immobilis&eacute; et le CRI ont pratiquement les m&ecirc;mes attributs, et aucun fonds non enregistr&eacute; ne peut &ecirc;tre vers&eacute; dans ce type de comptes.<\/p>\n<p>Les options &agrave; l&rsquo;&eacute;ch&eacute;ance des REER immobilis&eacute;s et des CRI diff&egrave;rent de celles des REER ordinaires et peuvent varier en fonction de votre province de r&eacute;sidence. Les moyens de percevoir un revenu d&rsquo;un REER immobilis&eacute; ou d&rsquo;un CRI sont les suivants&nbsp;:<\/p>\n<ul>\n<li>Achat d&rsquo;une rente viag&egrave;re<\/li>\n<li>Transfert des actifs dans un fonds de revenu viager (FRV)<\/li>\n<li>Transfert des sommes dans un fonds enregistr&eacute; de revenu de retraite immobilis&eacute; (FERI) (Terre-Neuve-et-Labrador)<\/li>\n<li>Transfert des capitaux dans un fonds enregistr&eacute; de revenu de retraite prescrit (FERR prescrit) (Saskatchewan et Manitoba)<\/li>\n<\/ul>\n<p><span>&nbsp;<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Compte tenu de la diversit\u00e9 des options offertes, il importe de comprendre les avantages et les inconv\u00e9nients de chacune d\u2019entre elles, afin de choisir celle qui vous convient le mieux.<\/p>\n","protected":false},"author":0,"featured_media":1250,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"rbcwm_post_date":"","editor_notices":[],"rbc_url_alias":"","rbcwm_featured_desktop_image_position":"","rbcwm_featured_mobile_image_position":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[520],"tags":[161,167,165,166,162,164,163],"rbcwm_content_owner":[],"rbcwm_need":[547,552],"rbcwm_segment":[538],"rbcwm_solution":[550],"rbcwm_topic":[553],"rbcwm_channel":[],"rbcwm_format":[],"class_list":["post-1248","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-retraite","tag-annuity","tag-ferr","tag-life-annuity","tag-reer","tag-rrif","tag-rrsp-at-age-71","tag-tax-deferral","rbcwm_need-preservation","rbcwm_need-vivre","rbcwm_segment-particuliers-et-familles","rbcwm_solution-planification-de-patrimoine","rbcwm_topic-education"],"acf":{"rbcwm_subtitle":"Compte 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