{"id":23359,"date":"2024-10-01T09:21:17","date_gmt":"2024-10-01T13:21:17","guid":{"rendered":"https:\/\/www.rbcwealthmanagement.com\/fr-ca\/?p=23359"},"modified":"2024-10-01T09:21:19","modified_gmt":"2024-10-01T13:21:19","slug":"how-high-net-worth-canadians-are-turning-credit-into-wealth","status":"publish","type":"post","link":"https:\/\/www.rbcwealthmanagement.com\/fr-ca\/insights\/how-high-net-worth-canadians-are-turning-credit-into-wealth","title":{"rendered":"Comment les Canadiens fortun\u00e9s transforment le cr\u00e9dit en patrimoine"},"content":{"rendered":"\n

Beaucoup des personnes les plus riches du Canada et membres de leur famille ont d\u00e9j\u00e0 \u00e9t\u00e9 confront\u00e9s \u00e0 l\u2019endettement.<\/p>\n\n\n\n

Ils disposent d\u2019un patrimoine important, souvent plus que suffisant pour r\u00e9pondre \u00e0 leurs besoins et \u00e0 ceux des g\u00e9n\u00e9rations futures, et ne craignent pas de s\u2019endetter. Cynthia Laverdiere, directrice g\u00e9n\u00e9rale, Cr\u00e9dit, Client\u00e8le ultrafortun\u00e9e \u00e0 RBC Banque priv\u00e9e<\/a> \u00e0 Montr\u00e9al dit que l\u2019utilisation du cr\u00e9dit est une strat\u00e9gie sophistiqu\u00e9e \u00e0 laquelle a recours la client\u00e8le ultrafortun\u00e9e pour constituer et prot\u00e9ger son patrimoine.<\/p>\n\n\n\n

\u00ab La client\u00e8le fortun\u00e9e comprend les avantages de l\u2019utilisation du cr\u00e9dit. Beaucoup de ces clients utilisent les facilit\u00e9s de cr\u00e9dit dans toute la mesure du possible pour r\u00e9investir et diversifier leurs actifs, qu\u2019il s\u2019agisse de titres n\u00e9gociables ou d\u2019achats directs de soci\u00e9t\u00e9s en exploitation. \u00bb<\/p>\n\n\n\n

Tirer profit du cr\u00e9dit pour financer un legs<\/strong><\/h2>\n\n\n\n

Les Canadiens cherchent des moyens d\u2019atteindre leurs objectifs de patrimoine<\/a>, pour eux-m\u00eames et dans le cadre de la planification de leur h\u00e9ritage, et peuvent donc parfois n\u00e9gliger le cr\u00e9dit. L\u2019effet de levier peut cependant se r\u00e9v\u00e9ler un outil essentiel, et l\u2019utilisation prudente des facilit\u00e9s de cr\u00e9dit de Banque priv\u00e9e peut efficacement aider \u00e0 financer un legs. Ces facilit\u00e9s ne se limitent pas aux hypoth\u00e8ques, aux marges de cr\u00e9dit et aux cartes de cr\u00e9dit \u00e0 limite \u00e9lev\u00e9e.<\/p>\n\n\n\n

Bien des clients de Banque priv\u00e9e n\u2019ont g\u00e9n\u00e9ralement pas besoin d\u2019utiliser le cr\u00e9dit, mais choisissent souvent de le faire \u00e0 leur avantage. \u00ab Les clients fortun\u00e9s utilisent habituellement le cr\u00e9dit \u00e0 leur discr\u00e9tion pour cr\u00e9er plus de richesse \u00bb, d\u00e9clare Kim Mason<\/a>, vice-pr\u00e9sidente directrice et chef \u00e0 RBC Banque priv\u00e9e.<\/p>\n\n\n\n

Par exemple, les clients qui disposent d\u2019un capital immobilier important peuvent s\u2019en servir pour acheter un bien de placement ou aider leurs enfants \u00e0 acheter leur premi\u00e8re maison dans des march\u00e9s \u00e0 co\u00fbt \u00e9lev\u00e9 comme Toronto ou Vancouver, ajoute-t-elle.<\/p>\n\n\n\n

Faire appel \u00e0 des strat\u00e9gies de cr\u00e9dit novatrices pour la planification successorale et les plans de rel\u00e8ve d\u2019entreprise<\/strong><\/h2>\n\n\n\n

RBC Banque priv\u00e9e peut aider \u00e0 \u00e9tablir une feuille de route pour atteindre ces objectifs, par le biais de solutions et de strat\u00e9gies de cr\u00e9dit ad\u00e9quates<\/a> adapt\u00e9es aux circonstances particuli\u00e8res du client.<\/p>\n\n\n\n

La panoplie des strat\u00e9gies de cr\u00e9dit offertes par RBC Banque priv\u00e9e surprend de nombreux clients, surtout ceux qui n\u2019ont atteint que r\u00e9cemment un certain niveau de richesse d\u00e9passant leurs besoins de retraite. L\u2019une des strat\u00e9gies consiste \u00e0 utiliser des facilit\u00e9s de cr\u00e9dit pour r\u00e9pondre \u00e0 des besoins en assurance dans le cadre d\u2019une approche strat\u00e9gique de la planification successorale<\/a> et de la rel\u00e8ve d\u2019entreprise<\/a>.<\/p>\n\n\n\n

\u00ab Plut\u00f4t que de payer directement les primes d\u2019assurance vie, qui peuvent repr\u00e9senter des sommes tr\u00e8s importantes, les clients de Banque priv\u00e9e peuvent, au moyen d\u2019une convention de financement imm\u00e9diat, utiliser le cr\u00e9dit pour payer les primes \u00bb, explique Andrej Titan, vice-pr\u00e9sident, Cr\u00e9dit \u00e0 RBC Banque priv\u00e9e.<\/p>\n\n\n\n

Cette strat\u00e9gie permet aux clients de souscrire une police d\u2019assurance vie pour eux-m\u00eames sans avoir \u00e0 liquider leur portefeuille de placements. Ils empruntent pour couvrir jusqu\u2019\u00e0 100 % de la prime, et ne paient que les int\u00e9r\u00eats sur le pr\u00eat. Au d\u00e9c\u00e8s de la personne assur\u00e9e, le pr\u00eat est rembours\u00e9 \u00e0 m\u00eame une partie de la prestation, le reste \u00e9tant utilis\u00e9 pour fournir des liquidit\u00e9s \u00e0 la succession.<\/p>\n\n\n\n

Bien des propri\u00e9taires d\u2019entreprise connaissent bien ce concept, note M. Titan. Leur entreprise souscrit une police d\u2019assurance vie, ce qui permet de d\u00e9duire les frais d\u2019int\u00e9r\u00eat des imp\u00f4ts \u00e0 payer par la soci\u00e9t\u00e9. Au d\u00e9c\u00e8s du propri\u00e9taire, la prestation r\u00e9siduelle est vers\u00e9e \u00e0 la succession ou aux autres actionnaires de mani\u00e8re fiscalement avantageuse.<\/p>\n\n\n\n

Une approche personnalis\u00e9e de la gestion de patrimoine<\/strong><\/h2>\n\n\n\n

Bien d\u2019autres strat\u00e9gies sont offertes \u00e0 la client\u00e8le fortun\u00e9e de RBC Banque priv\u00e9e. Certains clients structurent des marges de cr\u00e9dit de placement pour tirer parti des avantages fiscaux. Tandis que d\u2019autres g\u00e8rent le risque de taux d\u2019int\u00e9r\u00eat en proc\u00e9dant \u00e0 des swaps de taux d\u2019int\u00e9r\u00eat sur de grandes marges de cr\u00e9dit \u00e0 taux variable. D\u2019autres clients encore cherchent \u00e0 obtenir du soutien financier, en effectuant parall\u00e8lement des gels successoraux, pour faciliter l\u2019acc\u00e8s des jeunes g\u00e9n\u00e9rations \u00e0 la propri\u00e9t\u00e9 d\u2019une entreprise familiale. L\u2019utilisation du cr\u00e9dit pour cr\u00e9er de la richesse et la prot\u00e9ger est l\u2019\u00e9l\u00e9ment commun de ces strat\u00e9gies.<\/p>\n\n\n\n

Les clients fortun\u00e9s, dont la vie est souvent complexe, ont toujours recouru \u00e0 des strat\u00e9gies de banque priv\u00e9e pour simplifier leurs finances, leur faciliter la vie et b\u00e9n\u00e9ficier de services de qualit\u00e9. Ils appr\u00e9cient les conseils offerts pour les aider \u00e0 utiliser prudemment ces strat\u00e9gies de cr\u00e9dit, dit Mme Mason, qui explique l\u2019attention personnalis\u00e9e offerte aux clients de RBC par les banquiers priv\u00e9s et leurs \u00e9quipes de soutien d\u00e9vou\u00e9es pour une exp\u00e9rience de gestion de patrimoine sur mesure.<\/p>\n\n\n\n

C\u2019est une v\u00e9ritable approche d\u2019\u00e9quipe qui est offerte \u00e0 chaque client et qui en dit long, ajoute Mme Laverdiere. \u00ab Le succ\u00e8s que vivent nos clients est une combinaison de toute l\u2019expertise dont nous disposons \u00e0 l\u2019interne et du nombre de partenaires avec lesquels nous travaillons, comme leurs avocats, comptables et bureaux de gestion de patrimoine familial. Notre structure organisationnelle nous permet de r\u00e9pondre rapidement aux besoins des clients, en leur offrant des strat\u00e9gies de cr\u00e9dit adapt\u00e9es \u00e0 leurs besoins et \u00e0 leurs objectifs. \u00bb<\/p>\n\n\n\n

\n

Planifions votre succ\u00e8s<\/strong><\/h4>\n\n\n\n

Voyez comment RBC Banque priv\u00e9e peut vous aider \u00e0 tirer parti du cr\u00e9dit pour atteindre vos objectifs de patrimoine.<\/em><\/p>\n\n\n\n

\nEN SAVOIR PLUS<\/a>\n<\/div>\n<\/div><\/div><\/div><\/section>\n\n\n\n

Cet article a \u00e9t\u00e9 initialement publi\u00e9 dans The Globe and Mail.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

Le cr\u00e9dit peut se r\u00e9v\u00e9ler un outil pr\u00e9cieux dans l\u2019atteinte des objectifs patrimoniaux.<\/p>\n","protected":false},"author":22,"featured_media":23361,"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":[534,514,513],"tags":[774,666],"rbcwm_content_owner":[],"rbcwm_need":[546,48],"rbcwm_segment":[538],"rbcwm_solution":[],"rbcwm_topic":[551],"rbcwm_channel":[],"rbcwm_format":[],"class_list":["post-23359","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit","category-planification-patrimoniale","category-planification-successorale","tag-credit","tag-planification-patrimoniale","rbcwm_need-croissance","rbcwm_need-grow","rbcwm_segment-particuliers-et-familles","rbcwm_topic-votre-patrimoine"],"acf":{"rbcwm_subtitle":"Le cr\u00e9dit peut se r\u00e9v\u00e9ler un outil pr\u00e9cieux dans l\u2019atteinte des objectifs patrimoniaux.","rbcwm_post_author":"","rbcwm_custom_breadcrumb_text":"","rbcwm_custom_breadcrumb_link_url":"","rbcwm_disclaimers":{"add_disclosures":"","perspective_disclaimer":"","expandable":"","omit_from_pages":[],"disclaimer_footnote":"Le pr\u00e9sent document a \u00e9t\u00e9 pr\u00e9par\u00e9 pour les soci\u00e9t\u00e9s membres de RBC Gestion de patrimoine, RBC Dominion valeurs mobili\u00e8res Inc.*, RBC Phillips, Hager & North Services-conseils en placements inc., RBC Gestion mondiale d\u2019actifs Inc., Soci\u00e9t\u00e9 Trust Royal du Canada et Compagnie Trust Royal (collectivement, les \u00ab\u00a0soci\u00e9t\u00e9s\u00a0\u00bb) ainsi que leur soci\u00e9t\u00e9 affili\u00e9e, Fonds d\u2019investissement Royal Inc. 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