{"id":21405,"date":"2024-05-02T13:42:11","date_gmt":"2024-05-02T17:42:11","guid":{"rendered":"https:\/\/www.rbcwealthmanagement.com\/fr-ca\/?post_type=rbcwm_video&#038;p=21405"},"modified":"2024-05-02T13:47:09","modified_gmt":"2024-05-02T17:47:09","slug":"individual-pension-plans-ipps","status":"publish","type":"rbcwm_video","link":"https:\/\/www.rbcwealthmanagement.com\/fr-ca\/videos\/individual-pension-plans-ipps","title":{"rendered":"R\u00e9gimes de retraite individuels (RRI)"},"content":{"rendered":"\n<div class=\"row wrap blockId-59e856c4-2a58-4f86-ae80-c3a7afa2d9ed\">\n<div class=\"wp-block-rbcwm-column col-md-12 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=\"6352143582112\"\n\t\t\t\t\t\t\t\tdata-video-id=\"6352143582112\" data-account=\"3187797751001\"\n\t\t\t\t\t\t\t\tdata-player=\"VBE5DE1mC\"\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: 100%; 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\/VBE5DE1mC_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-md-12 col-lg-8 mt-3\">\n<p class=\"has-text-align-center heading-4\"><em>\u00ab&nbsp;Pour les propri\u00e9taires d\u2019entreprise, les professionnels ou les employ\u00e9s cl\u00e9s, un RRI peut s\u2019av\u00e9rer utile pour accro\u00eetre leur revenu de retraite.&nbsp;\u00bb<\/em><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-rbcwm-column col-md-12 col-lg-8 rbc-block-spacer-t-sm\">\n<div class=\"wp-block-rbcwm-expandable-block rbc-expandable\">\n<div id=\"ef4\" class=\"wp-block-rbcwm-expandable-block-title rbc-expandable-trigger rbc-expandable-arrow-wrap\"><button aria-expanded=\"false\" aria-controls=\"ef4-content\" data-target=\"ef4-content\" data-duration=\"400\" class=\"rbc-expandable-trigger-button\">\n<h3 class=\"wp-block-heading h4\" id=\"h-\"><\/h3>\n<span class=\"rbc-display\" data-open-text=\"Voir la transcription\" data-close-text=\"Masquer la transcription\">Voir la transcription<\/span><div class=\"rbc-icon rbc-expandable-arrow rbc-expandable-arrow-right\"><i class=\"rbc-icon-img fal fa-angle-down\"><\/i><\/div><\/button><\/div>\n\n\n\n<div id=\"ef4-content\" aria-labelledby=\"ef4\" class=\"wp-block-rbcwm-expandable-block-content rbc-expandable-content rbc-expandable-content-inner-style content-ef4a2280-7fbb-4162-8e28-821011bbb01d\"><div class=\"rbc-expandable-content-body\">\n<p>Vous \u00eates un entrepreneur ou un professionnel constitu\u00e9 en soci\u00e9t\u00e9 qui gagne un revenu d\u00e9clar\u00e9 sur feuillet&nbsp;T4 et cotisez \u00e0 un REER&nbsp;?<\/p>\n\n\n\n<p>Si oui, un r\u00e9gime de retraite individuel (RRI) pourrait s\u2019av\u00e9rer avantageux.<\/p>\n\n\n\n<p>Un RRI est un r\u00e9gime \u00e0 prestations d\u00e9termin\u00e9es que votre soci\u00e9t\u00e9 peut mettre en place pour vous. Un RRI est id\u00e9al si vous avez entre 40 et 71&nbsp;ans, touchez un revenu d\u00e9clar\u00e9 sur feuillet&nbsp;T4 et d\u00e9tenez votre soci\u00e9t\u00e9 depuis plusieurs ann\u00e9es.<\/p>\n\n\n\n<p>Un RRI vous permet de verser des cotisations annuelles plus \u00e9lev\u00e9es que dans REER\u2026<\/p>\n\n\n\n<p>&#8230;et offre la possibilit\u00e9 pour votre soci\u00e9t\u00e9 de verser des cotisations d\u00e9ductibles importantes au titre des ann\u00e9es de service ant\u00e9rieures.<\/p>\n\n\n\n<p>De plus, la soci\u00e9t\u00e9 peut verser une cotisation suppl\u00e9mentaire si le rendement annuel des placements du RRI est inf\u00e9rieur \u00e0 7,5&nbsp;% avec des ajustements. Voici un graphique de comparaison entre les fonds d\u00e9tenus dans un RRI et les fonds d\u00e9tenus dans un REER pour une personne de 50&nbsp;ans comptant 23&nbsp;ann\u00e9es de service.<\/p>\n\n\n\n<p>Comme vous pouvez le constater, le solde de votre r\u00e9gime enregistr\u00e9 est plus \u00e9lev\u00e9 gr\u00e2ce \u00e0 la possibilit\u00e9 de verser des cotisations importantes au titre des ann\u00e9es de services ant\u00e9rieures et \u00e0 l\u2019augmentation des cotisations annuelles au RRI.<\/p>\n\n\n\n<p>Bien que le RRI soit plus complexe que le REER et soit assorti de frais annuels plus \u00e9lev\u00e9s, ces frais sont enti\u00e8rement d\u00e9ductibles. Demandez \u00e0 votre conseiller de RBC Gestion de patrimoine de produire un graphique RRI personnalis\u00e9 et parlez-en avec vos conseillers afin de d\u00e9terminer si un RRI convient \u00e0 votre situation.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":15,"featured_media":0,"template":"","meta":{"_acf_changed":false,"editor_notices":[],"rbc_url_alias":"","footnotes":""},"categories":[529],"tags":[],"class_list":["post-21405","rbcwm_video","type-rbcwm_video","status-publish","hentry","category-protection-de-patrimoine"],"acf":{"rbcwm_subtitle":"Tony Maiorino, CFP, PFP, Vice-pr\u00e9sident et directeur g\u00e9n\u00e9ral, chef, Services de bureau de gestion familiale RBC","rbcwm_post_author":"","rbcwm_custom_breadcrumb_text":"","rbcwm_custom_breadcrumb_link_url":"","rbcwm_disclaimers":{"add_disclosures":"","perspective_disclaimer":"","expandable":"","omit_from_pages":[],"disclaimer_footnote":""},"rbcwm_insight_cta_id":"","rbcwm_pagination":{"next_link":"","next_link_text":"Next article","previous_link":"","previous_link_text":"Previous article"},"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) - 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