{"id":1100,"date":"2019-03-12T15:18:06","date_gmt":"2019-03-12T19:18:06","guid":{"rendered":"http:\/\/caissealliance.absoludev.ca\/non-classifiee\/comment-diversifier-vos-placements-dans-un-ferr\/"},"modified":"2019-05-14T15:06:02","modified_gmt":"2019-05-14T19:06:02","slug":"comment-diversifier-vos-placements-dans-un-ferr","status":"publish","type":"post","link":"https:\/\/www.caissealliance.com\/fr\/particulier\/retraite-et-succession\/comment-diversifier-vos-placements-dans-un-ferr\/","title":{"rendered":"Comment diversifier vos placements dans un FERR"},"content":{"rendered":"<p><strong>Oui, il est possible de diversifier ses placements \u00e0 l\u2019int\u00e9rieur d\u2019un fonds enregistr\u00e9 de revenus de retraite (FERR).<\/strong><\/p>\n<h2><strong>Options possibles<\/strong><\/h2>\n<p>Le FERR peut \u00eatre constitu\u00e9 de plusieurs produits d\u2019\u00e9pargne et de placement, sans restriction. Il vous est possible d\u2019investir dans des obligations, des placements garantis li\u00e9s au march\u00e9, des fonds communs, ou m\u00eame des actions.<\/p>\n<p>Avant d\u2019investir, vous devez d\u00e9terminer vos objectifs financiers, le rendement souhait\u00e9, l\u2019\u00e9ch\u00e9ance et le moment o\u00f9 vous aurez besoin de cet argent, de m\u00eame que votre niveau de tol\u00e9rance \u00e0 la volatilit\u00e9 des march\u00e9s.<\/p>\n<p>Annuellement, vous devez retirer un montant minimal provenant de votre FERR. Par cons\u00e9quent, vous devez pr\u00e9voir quelques placements \u00e0 court terme, mais la diff\u00e9rence peut \u00eatre investie \u00e0 moyen et \u00e0 long terme.<\/p>\n<h2>En prime, moins d\u2019imp\u00f4t \u00e0 payer<\/h2>\n<p>Si votre portefeuille est constitu\u00e9 de placements enregistr\u00e9s et de placements non enregistr\u00e9s, vous devriez privil\u00e9gier dans votre FERR les placements qui produisent des revenus d\u2019int\u00e9r\u00eats, car les montants produits sont enti\u00e8rement imposables. Ainsi, dans un r\u00e9gime enregistr\u00e9 comme le FERR, vous pouvez reporter l\u2019imposition au moment de la retraite. Vous pourrez peut-\u00eatre m\u00eame, \u00e0 ce moment, b\u00e9n\u00e9ficier d\u2019un taux d\u2019imposition plus bas.<\/p>\n<p>Un placement produisant des dividendes, ou m\u00eame un gain en capital, vous permet de b\u00e9n\u00e9ficier d\u2019all\u00e9gements fiscaux (payer moins d\u2019imp\u00f4t). Il sera donc plus avantageux pour vous de d\u00e9tenir ce type de placement dans la partie non enregistr\u00e9e de votre portefeuille.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Oui, il est possible de diversifier ses placements \u00e0 l\u2019int\u00e9rieur d\u2019un fonds enregistr\u00e9 de revenus de retraite (FERR). Le FERR peut \u00eatre constitu\u00e9 de plusieurs produits d\u2019\u00e9pargne et de placement, sans restriction. Il vous est possible d\u2019investir dans des obligations, des placements garantis li\u00e9s au march\u00e9, des fonds communs, ou m\u00eame des actions. Avant d\u2019investir, [&#8230;]<\/p>\n","protected":false},"author":1,"featured_media":4343,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[52],"tags":[],"class_list":["post-1100","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-retraite-et-succession"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Comment diversifier vos placements dans un FERR | Caisse Alliance<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.caissealliance.com\/fr\/particulier\/retraite-et-succession\/comment-diversifier-vos-placements-dans-un-ferr\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Comment diversifier vos placements dans un FERR | Caisse Alliance\" \/>\n<meta property=\"og:description\" content=\"Oui, il est possible de diversifier ses placements \u00e0 l\u2019int\u00e9rieur d\u2019un fonds enregistr\u00e9 de revenus de retraite (FERR). Le FERR peut \u00eatre constitu\u00e9 de plusieurs produits d\u2019\u00e9pargne et de placement, sans restriction. Il vous est possible d\u2019investir dans des obligations, des placements garantis li\u00e9s au march\u00e9, des fonds communs, ou m\u00eame des actions. 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