{"id":2046,"date":"2018-09-19T00:00:00","date_gmt":"2018-09-19T00:00:00","guid":{"rendered":"https:\/\/www.rbcwealthmanagement.com\/fr-ca\/2018\/09\/19\/you-have-a-business-plan-whats-your-retirement-plan\/"},"modified":"2024-05-07T09:18:02","modified_gmt":"2024-05-07T13:18:02","slug":"you-have-a-business-plan-whats-your-retirement-plan","status":"publish","type":"post","link":"https:\/\/www.rbcwealthmanagement.com\/fr-ca\/insights\/you-have-a-business-plan-whats-your-retirement-plan","title":{"rendered":"Vous avez un plan d\u2019affaires. Quel est votre plan de retraite?"},"content":{"rendered":"\n

Une entreprise familiale repr\u00e9sente souvent plus de la moiti\u00e9 du patrimoine du propri\u00e9taire. Par cons\u00e9quent, si une grande partie de votre valeur nette est li\u00e9e \u00e0 l\u2019entreprise, la diversification de votre portefeuille de retraite risque d\u2019\u00eatre inf\u00e9rieure \u00e0 celle d\u2019un portefeuille de retraite plus traditionnel. Rappelez-vous que contrairement \u00e0 un salari\u00e9, il vous incombe de financer votre retraite. Avez-vous une strat\u00e9gie ? Comptez-vous sur le produit de la vente de votre entreprise pour pouvoir jouir d\u2019une retraite confortable ? Si vous n\u2019avez pas encore r\u00e9fl\u00e9chi \u00e0 cette \u00e9tape de votre vie, il est peut-\u00eatre temps d\u2019envisager d\u2019autres options pour constituer votre p\u00e9cule de retraite.<\/p>\n\n\n\n

Prashant Patel, vice-pr\u00e9sident, Services de planification, Client\u00e8le fortun\u00e9e au sein du Bureau de gestion de patrimoine familial RBC, affirme que de nombreux propri\u00e9taires surestiment la valeur de leur entreprise : \u00ab Vous devez vous pr\u00e9parer au pire. La vente ou le transfert \u00e0 des membres de la direction ou de la famille peut prendre plus de temps, et \u00eatre d\u00e9pendant de l\u2019entreprise pour son futur revenu, c\u2019est comme miser toute sa retraite sur une seule action en bourse \u00bb.<\/p>\n\n\n\n

Le fait de d\u00e9tenir une partie de votre \u00e9pargne-retraite en dehors de votre entreprise permet de r\u00e9duire le risque. Si vous retirez les b\u00e9n\u00e9fices, vous pourriez les prot\u00e9ger contre les pertes futures de l\u2019entreprise. En vous versant un salaire, en plus ou au lieu de percevoir des dividendes, vous pouvez g\u00e9n\u00e9rer des droits de cotisation \u00e0 un r\u00e9gime enregistr\u00e9 d\u2019\u00e9pargne-retraite (REER) ou profiter du service ouvrant droit \u00e0 pension dans le cadre d\u2019un r\u00e9gime de pension individuel (RRI).<\/p>\n\n\n\n

Le RRI vise \u00e0 r\u00e9duire le niveau d\u2019incertitude li\u00e9e \u00e0 votre futur revenu en vous permettant de b\u00e9n\u00e9ficier d\u2019un flux de revenu stable \u00e0 la retraite.<\/p>\n\n\n\n

Un RRI est un r\u00e9gime \u00e0 prestations d\u00e9termin\u00e9es \u00e9tabli par une soci\u00e9t\u00e9 l\u00e9galement constitu\u00e9e afin de procurer des prestations de retraite bonifi\u00e9es et des \u00e9conomies d\u2019imp\u00f4ts aux propri\u00e9taires, aux professionnels constitu\u00e9s en soci\u00e9t\u00e9 et aux employ\u00e9s cl\u00e9s de la soci\u00e9t\u00e9. Un RRI compte habituellement un membre, soit le propri\u00e9taire de l\u2019entreprise, soit une personne cl\u00e9. Il peut \u00eatre \u00e9galement \u00e9largi \u00e0 votre conjoint, si ce dernier est employ\u00e9 par la m\u00eame soci\u00e9t\u00e9.<\/p>\n\n\n\n

Bien qu\u2019il n\u2019y ait pas d\u2019\u00e2ge ou de niveau de revenu minimum pour \u00e9tablir un RRI, les propri\u00e9taires d\u2019entreprise ou les professionnels constitu\u00e9s en soci\u00e9t\u00e9 qui touchent un revenu T4 et qui ont 40 ans ou plus ont tendance \u00e0 tirer le maximum de cette option d\u2019\u00e9pargne-retraite.<\/p>\n\n\n\n

Cotisations plus importantes<\/h2>\n\n\n\n

Votre entreprise ou votre employeur verse des cotisations annuelles au RRI au fil du temps et obtient une d\u00e9duction fiscale. Les cotisations de la soci\u00e9t\u00e9 au RRI remplacent vos cotisations \u00e0 un REER. Comme dans le cas d\u2019un REER, les cotisations au RRI augmentent \u00e0 l\u2019abri de l\u2019imp\u00f4t. \u00c9tant donn\u00e9 qu\u2019un RRI est con\u00e7u de mani\u00e8re que vous touchiez un montant d\u00e9fini de revenu \u00e0 la retraite, plus vous \u00eates \u00e2g\u00e9, plus l\u2019entreprise peut verser de l\u2019argent au plan en votre nom.<\/p>\n\n\n\n

Les cotisations varient \u00e9galement en fonction de vos revenus ant\u00e9rieurs et de votre anciennet\u00e9 au sein de l\u2019entreprise.<\/p>\n\n\n\n

Outre les cotisations annuelles, votre entreprise peut effectuer une cotisation importante lors de la mise en place du r\u00e9gime pour couvrir vos ann\u00e9es de service ant\u00e9rieures \u00e0 la cr\u00e9ation du RRI, en remontant jusqu\u2019en 1991. Des cotisations additionnelles d\u00e9ductibles du revenu sont \u00e9galement possibles si les rendements de placement du r\u00e9gime sont inf\u00e9rieurs au taux d\u2019int\u00e9r\u00eat actuariel pr\u00e9vu, qui est de 7,5 % et est rajust\u00e9 en fonction de l\u2019inflation (dans certaines provinces, cela est m\u00eame exig\u00e9).<\/p>\n\n\n\n

Protection contre les cr\u00e9anciers<\/h2>\n\n\n\n

En g\u00e9n\u00e9ral, les actifs d\u2019un REER ne sont prot\u00e9g\u00e9s contre les cr\u00e9anciers qu\u2019en cas de faillite personnelle. Cela signifie que pour la grande majorit\u00e9 des propri\u00e9taires d\u2019entreprise et des professionnels constitu\u00e9s en soci\u00e9t\u00e9, ces actifs demeurent \u00e0 risque. Comme il s\u2019agit d\u2019une convention de fiducie et d\u2019une retraite, un RRI peut offrir une protection substantielle contre les cr\u00e9anciers. Pour obtenir des renseignements sur les options de protection des actifs \u00e0 votre disposition, il est essentiel que vous vous adressiez \u00e0 un conseiller juridique qualifi\u00e9.<\/p>\n\n\n\n

Fonds immobilis\u00e9s<\/h2>\n\n\n\n

Comme le RRI est un r\u00e9gime de retraite agr\u00e9\u00e9, les fonds sont immobilis\u00e9s dans le r\u00e9gime pendant les ann\u00e9es de travail et les ann\u00e9es de retraite, en vertu de la l\u00e9gislation provinciale (il y a des exceptions dans certaines provinces). Le RRI offre donc moins de souplesse qu\u2019un REER, en particulier lorsque l\u2019on souhaite retirer des fonds du r\u00e9gime.<\/p>\n\n\n\n

Vous pouvez recevoir des versements de revenu directement d\u2019un RRI ou transf\u00e9rer une partie des fonds du RRI \u00e0 un r\u00e9gime immobilis\u00e9, dans les limites pr\u00e9vues par la loi. Certaines provinces offrent une plus grande souplesse en mati\u00e8re de revenus de pension en d\u00e9bloquant les fonds dans des circonstances particuli\u00e8res.<\/p>\n\n\n\n

Frais d\u2019administration<\/strong><\/h2>\n\n\n\n

Les frais d\u2019administration des RRI sont plus \u00e9lev\u00e9s que ceux d\u2019un REER. Il y a les frais d\u2019\u00e9tablissement, les frais d\u2019administration annuels et les \u00e9valuations actuarielles obligatoires. Ces frais sont toutefois d\u00e9ductibles pour votre entreprise, ce qui r\u00e9duit le co\u00fbt r\u00e9el.<\/p>\n\n\n\n

Nota :<\/strong> Les renseignements pr\u00e9sent\u00e9s ici constituent une s\u00e9lection d\u2019options \u00e0 prendre en consid\u00e9ration. Dans le cadre d\u2019une planification globale, il est important de discuter avec des conseillers juridiques et des fiscalistes qualifi\u00e9s, afin de d\u00e9terminer si ces strat\u00e9gies ou d\u2019autres options peuvent convenir et de veiller \u00e0 ce que votre situation personnelle et vos objectifs soient correctement pris en compte.<\/p>\n","protected":false},"excerpt":{"rendered":"

Options de planification pour se constituer un p\u00e9cule de retraite en tant que propri\u00e9taire d\u2019entreprise.<\/p>\n","protected":false},"author":15,"featured_media":21573,"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":[522],"tags":[],"rbcwm_content_owner":[],"rbcwm_need":[546,547],"rbcwm_segment":[537],"rbcwm_solution":[550],"rbcwm_topic":[556],"rbcwm_channel":[],"rbcwm_format":[],"class_list":["post-2046","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-votre-entreprise","rbcwm_need-croissance","rbcwm_need-preservation","rbcwm_segment-proprietaires-dentreprise-et-entrepreneurs","rbcwm_solution-planification-de-patrimoine","rbcwm_topic-votre-entreprise"],"acf":{"rbcwm_subtitle":"Options de planification pour se constituer un p\u00e9cule de retraite en tant que propri\u00e9taire d\u2019entreprise.","rbcwm_post_author":"","rbcwm_custom_breadcrumb_text":"","rbcwm_custom_breadcrumb_link_url":"","rbcwm_disclaimers":{"add_disclosures":"","perspective_disclaimer":["Yes"],"expandable":"","omit_from_pages":[],"disclaimer_footnote":""},"rbcwm_insight_cta_id":[10888],"rbcwm_pagination":{"next_link":"","next_link_text":"","previous_link":"","previous_link_text":""},"rbcwm_video_duration":"","article_time":"","rbcwm_enable_toc":false,"rbcwm_toc_selector":"h2"},"yoast_head":"\nVous avez un plan d\u2019affaires. 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