{"id":7435,"date":"2023-05-16T20:00:00","date_gmt":"2023-05-17T00:00:00","guid":{"rendered":"https:\/\/www.rbcwealthmanagement.com\/fr-ca\/insights\/estate-planning-report-reveals-many-canadians-are-not-prepared\/"},"modified":"2025-06-25T09:59:31","modified_gmt":"2025-06-25T13:59:31","slug":"estate-planning-report-reveals-many-canadians-are-not-prepared","status":"publish","type":"post","link":"https:\/\/www.rbcwealthmanagement.com\/fr-ca\/insights\/estate-planning-report-reveals-many-canadians-are-not-prepared","title":{"rendered":"Planification successorale : un rapport r\u00e9v\u00e8le que de nombreux Canadiens ne sont pas pr\u00eats"},"content":{"rendered":"\n<p>Les Canadiens comprennent que la planification successorale permet d\u2019assurer le respect de leurs volont\u00e9s en cas de maladie ou de d\u00e9c\u00e8s. Pourtant, beaucoup d\u2019entre eux n\u2019ont pas mis en place les \u00e9l\u00e9ments cl\u00e9s d\u2019un plan successoral, tels que la r\u00e9daction d\u2019un testament ou la d\u00e9signation d\u2019un fond\u00e9 de pouvoir. De r\u00e9centes recherches expliquent pourquoi il en est ainsi.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Principales constatations des recherches<\/h2>\n\n\n\n<p>En collaboration avec RBC&nbsp;Trust Royal, le National Institute on Ageing (NIA) a produit un rapport qui pr\u00e9sente le point de vue des Canadiens sur la planification successorale. Le rapport s\u2019appuie sur les r\u00e9sultats d\u2019un sondage Ipsos men\u00e9 en avril&nbsp;2022. En voici les principales constatations&nbsp;:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Les Canadiens savent que la planification successorale est importante<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Quatre-vingt-onze pour cent<\/strong> des Canadiens pensent que le testament est un \u00e9l\u00e9ment important d\u2019un plan successoral.<\/li>\n\n\n\n<li><strong>Quatre-vingt-six pour cent<\/strong> des Canadiens pensent que les procurations sont un \u00e9l\u00e9ment important d\u2019un plan successoral.<\/li>\n\n\n\n<li>En ce qui concerne l\u2019absence de testament, <strong>59&nbsp;pour cent<\/strong> des Canadiens croient que l\u2019une des cons\u00e9quences est que personne ne conna\u00eetra leurs volont\u00e9s ou ne les respectera, alors que <strong>16&nbsp;pour cent<\/strong> pensent que l\u2019absence de testament n\u2019a aucune cons\u00e9quence ou n\u2019en connaissent aucune.<\/li>\n<\/ul>\n\n\n\n<p>Au Canada, en cas de d\u00e9c\u00e8s d\u2019une personne sans testament, chaque province ou territoire applique des r\u00e8gles diff\u00e9rentes pour la distribution des actifs, ce qui favorise les structures traditionnelles de la famille. Un plan successoral permet de s\u2019assurer que vos volont\u00e9s sont respect\u00e9es et que vos proches, quel que soit le r\u00f4le qu\u2019ils jouent dans votre vie, sont pris en compte.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Plusieurs Canadiens n\u2019ont pas \u00e9labor\u00e9 un plan<\/h3>\n\n\n\n<p>En mati\u00e8re de planification successorale, les Canadiens d\u2019un certain \u00e2ge devancent les plus jeunes&nbsp;; toutefois, de nombreux Canadiens n\u2019ont pas pr\u00e9par\u00e9 de plan successoral ou les \u00e9l\u00e9ments cl\u00e9s d\u2019un tel plan. La prise de conscience des cons\u00e9quences de l\u2019absence de testament n\u2019a pas \u00e9t\u00e9 une incitation \u00e0 l\u2019action, de m\u00eame que la connaissance de l\u2019importance de d\u00e9signer un fond\u00e9 de pouvoir.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Moins du tiers (<strong>30&nbsp;pour cent<\/strong>) des Canadiens ont un plan successoral.<\/li>\n\n\n\n<li>Moins de la moiti\u00e9 (<strong>48&nbsp;pour cent<\/strong>) des Canadiens ont un testament.\n<ul class=\"wp-block-list\">\n<li>C\u2019est le cas de <strong>74&nbsp;pour cent<\/strong> des r\u00e9pondants de 55&nbsp;ans et plus, contre seulement <strong>34&nbsp;pour cent<\/strong> des 35 \u00e0 54&nbsp;ans et <strong>30&nbsp;pour cent<\/strong> des 18 \u00e0 34&nbsp;ans.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Dans l\u2019ensemble, <strong>35&nbsp;pour cent<\/strong> des Canadiens ont d\u00e9sign\u00e9 un fond\u00e9 de pouvoir.<\/li>\n\n\n\n<li>Moins de jeunes Canadiens (<strong>28 pour cent<\/strong> des 35 \u00e0 54&nbsp;ans et <strong>21&nbsp;pour cent<\/strong> des 18 \u00e0 34&nbsp;ans) affirment avoir nomm\u00e9 un fond\u00e9 de pouvoir charg\u00e9 de leurs affaires, mais la proportion de Canadiens \u00e2g\u00e9s de 55&nbsp;ans et plus qui l\u2019ont fait reste relativement faible (<strong>53 pour cent<\/strong>).<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Pourquoi ne planifient-ils pas leur succession&nbsp;?<\/h3>\n\n\n\n<p>Bien que les Canadiens reconnaissent que les \u00e9l\u00e9ments cl\u00e9s d\u2019un plan successoral sont importants, bon nombre d\u2019entre eux ne comprennent toujours pas les bases de la planification successorale. Par ailleurs, beaucoup ne savent pas par o\u00f9 commencer pour mettre de l\u2019ordre dans leurs affaires ou ont des id\u00e9es fausses sur le processus de planification successorale.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Vingt-cinq pour cent<\/strong> des Canadiens qui n\u2019ont pas de testament disent qu\u2019ils ne savent pas comment s\u2019y prendre.<\/li>\n\n\n\n<li>Pr\u00e8s des deux tiers des r\u00e9pondants (<strong>65&nbsp;pour cent<\/strong>) n\u2019ont pas nomm\u00e9 de fond\u00e9 de pouvoir, et <strong>23&nbsp;pour cent<\/strong> d\u2019entre eux ont dit qu\u2019ils ne savent pas comment s\u2019y prendre.<\/li>\n\n\n\n<li>Les jeunes (18 \u00e0 34&nbsp;ans) pensent qu\u2019il faut avoir atteint un certain \u00e2ge pour faire son testament (<strong>43 pour cent<\/strong>) ou d\u00e9signer un fond\u00e9 de pouvoir (<strong>38 pour cent<\/strong>).<\/li>\n\n\n\n<li>De nombreux Canadiens pensent qu\u2019il faut poss\u00e9der des biens de grande valeur ou complexes pour \u00e9tablir un plan successoral, un testament ou une procuration.<\/li>\n<\/ul>\n\n\n\n<p>Pour commencer \u00e0 planifier leur succession, les Canadiens peuvent faire l\u2019inventaire de leurs actifs et r\u00e9fl\u00e9chir soigneusement \u00e0 leurs volont\u00e9s, \u00e0 leurs besoins potentiels, \u00e0 l\u2019endroit o\u00f9 ils aimeraient vivre et recevoir des soins, ainsi qu\u2019aux besoins de leurs proches.<\/p>\n\n\n\n<p>\u00c0 la lumi\u00e8re de ces constatations, nous avons pour but de dissiper toute id\u00e9e fausse et d\u2019aider nos clients \u00e0 \u00e9laborer un plan successoral qui cadre avec leurs objectifs. Le meilleur moment pour amorcer le processus est maintenant.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Vieillissement de la population canadienne<\/h3>\n\n\n\n<p>D\u2019ici 2031, lorsque les plus jeunes baby-boomers auront f\u00eat\u00e9 leurs 65 ans et que les plus \u00e2g\u00e9s atteindront 85 ans, au moins un Canadien sur cinq (21,3 pour cent) aura 65 ans ou plus<sup>1<\/sup>. La mise en place d\u2019un plan successoral, m\u00eame \u00e0 un jeune \u00e2ge, apporte souvent la tranquillit\u00e9 d\u2019esprit \u00e0 la personne concern\u00e9e et \u00e0 ses proches.<\/p>\n\n\n\n<div id=\"where-there-is-a-will-there-is-a-way\" class=\"anchor\" tabindex=\"-1\"><\/div>\n\n\n\n<p class=\"is-style-subheader\">Veuillez regarder la vid\u00e9o ci-dessous pour comprendre comment vous pouvez, votre famille et vous, surmonter les obstacles \u00e0 la planification successorale.<\/p>\n\n\n\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=\"6340372023112\"\n\t\t\t\t\t\t\t\tdata-video-id=\"6340372023112\" 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<div style=\"height:48px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-rbcwm-well well is-style-is-style-b-blue-tint-4 b-blue-tint-4 mb-3 migrated\">\n<h3 class=\"wp-block-heading has-text-align-left\" id=\"h-lisez-le-rapport-complet\">Lisez le rapport complet<\/h3>\n\n\n\n<p>D\u00e9couvrez les r\u00e9sultats du sondage ainsi que les observations et recommandations respectives dans le rapport intitul\u00e9 \u00ab De l\u2019importance du testament : le point de vue des Canadiens sur la planification successorale \u00bb.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/general\/exploring-canadian-perspectives-on-estate-planning-fr.pdf\" target=\"_blank\" rel=\"noopener\">T\u00e9l\u00e9chargez le rapport sur les r\u00e9sultats du sondage. <\/a><\/p>\n<\/div>\n\n\n\n<p><sup>1<\/sup>Statistique Canada. (22 ao\u00fbt 2022). \u00ab Projections d\u00e9mographiques pour le Canada (2021 \u00e0 2068), les provinces et les territoires (2021 \u00e0 2043) \u00bb. Consult\u00e9 le 3 mars 2023 \u00e0 l\u2019adresse &nbsp;<a href=\"https:\/\/www150.statcan.gc.ca\/n1\/pub\/91-520-x\/91-520-x2022001-fra.htm\" target=\"_blank\" rel=\"noopener\" class=\"link-ext\">https:\/\/www150.statcan.gc.ca\/n1\/pub\/91-520-x\/91-520-x2022001-fra.htm <\/a><\/p>\n\n\n\n<p><strong>\u00c0 propos du National Institute on Ageing<br><\/strong>Le National Institute on Ageing (NIA ; institut national sur le vieillissement) est un centre de d\u00e9cision et de recherche \u00e9tabli \u00e0 l\u2019Universit\u00e9 m\u00e9tropolitaine de Toronto (anciennement l\u2019Universit\u00e9 Ryerson). Il s\u2019emploie \u00e0 favoriser le bien-\u00eatre des personnes au fil du processus de vieillissement. Son mandat est unique, puisqu\u2019il examine diff\u00e9rents enjeux li\u00e9s au vieillissement selon une perspective englobant le bien-\u00eatre financier, psychologique et social. Pour en savoir plus, allez \u00e0 niaging.ca.<\/p>\n\n\n\n<p><strong>\u00c0 propos de RBC Royal Trust<br><\/strong>Les r\u00e9sultats sont tir\u00e9s d\u2019un sondage men\u00e9 par Ipsos du 22 au 25 avril 2022 au nom de RBC Trust Royal. Le sondage a \u00e9t\u00e9 men\u00e9 en ligne aupr\u00e8s d\u2019un \u00e9chantillon de 2 001 Canadiens de 18 ans et plus. L\u2019\u00e9chantillon a \u00e9t\u00e9 \u00e9tabli par quotas et selon des pond\u00e9rations afin que sa composition refl\u00e8te celle de la population du Canada selon les donn\u00e9es du recensement. La pr\u00e9cision des sondages en ligne Ipsos est calcul\u00e9e en fonction d\u2019un intervalle de cr\u00e9dibilit\u00e9. Dans le cas pr\u00e9sent, les r\u00e9sultats sont consid\u00e9r\u00e9s comme \u00e9tant pr\u00e9cis \u00e0 \u00b12,5 points de pourcentage, 19 fois sur 20, comparativement \u00e0 ce qu\u2019ils auraient \u00e9t\u00e9 si tous les travailleurs canadiens adultes avaient \u00e9t\u00e9 sond\u00e9s.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Bon nombre de Canadiens n\u2019ont pas r\u00e9dig\u00e9 de testament, n\u2019ont pas nomm\u00e9 de fond\u00e9 de pouvoir ou n\u2019ont pas commenc\u00e9 \u00e0 planifier leur succession. Renseignez-vous sur le sondage men\u00e9 pour en conna\u00eetre les raisons.<\/p>\n","protected":false},"author":15,"featured_media":7437,"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":[513],"tags":[447,448,119,446,120],"rbcwm_content_owner":[],"rbcwm_need":[546,548,547,552],"rbcwm_segment":[538,537],"rbcwm_solution":[550],"rbcwm_topic":[551],"rbcwm_channel":[],"rbcwm_format":[],"class_list":["post-7435","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-planification-successorale","tag-appoint-a-power-of-attorney","tag-elder-care","tag-eldercare","tag-estate-planning-in-canada","tag-services-aux-aines","rbcwm_need-croissance","rbcwm_need-dons-de-charite","rbcwm_need-preservation","rbcwm_need-vivre","rbcwm_segment-particuliers-et-familles","rbcwm_segment-proprietaires-dentreprise-et-entrepreneurs","rbcwm_solution-planification-de-patrimoine","rbcwm_topic-votre-patrimoine"],"acf":{"rbcwm_subtitle":"Bon nombre de Canadiens n\u2019ont pas r\u00e9dig\u00e9 de testament, n\u2019ont pas nomm\u00e9 de fond\u00e9 de pouvoir ou n\u2019ont pas commenc\u00e9 \u00e0 planifier leur succession. Renseignez-vous sur le sondage men\u00e9 pour en conna\u00eetre les raisons.","rbcwm_post_author":"","rbcwm_custom_breadcrumb_text":"","rbcwm_custom_breadcrumb_link_url":"","rbcwm_disclaimers":{"add_disclosures":"","perspective_disclaimer":"","expandable":"","omit_from_pages":[],"disclaimer_footnote":"RBC Trust Royal et RBC Gestion de patrimoine sont des secteurs op\u00e9rationnels de Banque Royale du Canada. Veuillez cliquer sur le lien \u00ab Conditions d\u2019utilisation \u00bb qui figure au bas de cette page pour obtenir plus d\u2019information sur les entit\u00e9s qui sont des soci\u00e9t\u00e9s membres de RBC Gestion de patrimoine. Nous n\u2019approuvons ni ne recommandons le contenu de cette publication, qui est fourni \u00e0 titre d\u2019information seulement et ne vise pas \u00e0 donner des conseils. \u00ae\/<sup>MC<\/sup> Marque(s) de commerce de Banque Royale du Canada. RBC et Trust Royal sont des marques d\u00e9pos\u00e9es de Banque Royale du Canada, utilis\u00e9es sous licence. \u00a9 Banque Royale du Canada 2023. Tous droits r\u00e9serv\u00e9s."},"rbcwm_insight_cta_id":[10836],"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":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.8 (Yoast SEO v26.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Planification successorale : un rapport r\u00e9v\u00e8le que de nombreux Canadiens ne sont pas pr\u00eats<\/title>\n<meta name=\"description\" content=\"Bon nombre de Canadiens n\u2019ont pas r\u00e9dig\u00e9 de testament, n\u2019ont pas nomm\u00e9 de fond\u00e9 de pouvoir ou n\u2019ont pas commenc\u00e9 \u00e0 planifier leur succession. 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