{"id":996,"date":"2019-03-12T15:15:29","date_gmt":"2019-03-12T19:15:29","guid":{"rendered":"http:\/\/caissealliance.absoludev.ca\/non-classifiee\/preparer-sa-retraite\/"},"modified":"2019-05-16T14:00:21","modified_gmt":"2019-05-16T18:00:21","slug":"preparer-sa-retraite","status":"publish","type":"post","link":"https:\/\/www.caissealliance.com\/fr\/entreprises\/retraite_releve\/preparer-sa-retraite\/","title":{"rendered":"Pr\u00e9parer sa retraite"},"content":{"rendered":"

Mettre en place un r\u00e9gime de retraite individuel<\/strong><\/h2>\n

Pour nombre de personnes qui planifient leur retraite, le REER constitue une bonne strat\u00e9gie. Par contre, pour les propri\u00e9taires d\u2019entreprise ou les cadres sup\u00e9rieurs dont les revenus exigent une strat\u00e9gie de report d\u2019imp\u00f4ts plus optimale, le r\u00e9gime de retraite individuel (RRI) peut s\u2019av\u00e9rer une option encore plus int\u00e9ressante.<\/p>\n

Qu\u2019est ce qu\u2019un RRI?<\/h3>\n

Un RRI est un r\u00e9gime de retraite \u00e0 prestations d\u00e9termin\u00e9es con\u00e7u pour une seule personne. C\u2019est donc le montant des prestations payables \u00e0 la retraite qui est pr\u00e9d\u00e9termin\u00e9 et non le montant des cotisations permises, comme c\u2019est le cas pour un REER.<\/p>\n

Pour en savoir plus sur le RRI, voir :\u00a0<\/strong>R\u00e9gime de retraite individuel<\/a><\/p>\n

Prot\u00e9ger son patrimoine en investissant \u00e0 l\u2019abri de l\u2019imp\u00f4t<\/strong><\/h2>\n

Vous souhaitez investir \u00e0 l\u2019abri de l\u2019imp\u00f4t? Vous voulez aussi augmenter la valeur de votre patrimoine \u00e0 votre d\u00e9c\u00e8s?<\/p>\n

L\u2019assurance vie universelle constitue une solution int\u00e9ressante qui combine \u00e0 la fois un volet protection<\/strong> et un volet \u00e9pargne<\/strong>. Ainsi, vous souscrivez un montant d\u2019assurance vie et accumulez des fonds \u00e0 l\u2019abri de l\u2019imp\u00f4t. \u00c0 votre d\u00e9c\u00e8s, le montant d\u2019assurance vie ainsi que les sommes accumul\u00e9es sont vers\u00e9s aux b\u00e9n\u00e9ficiaires sans qu\u2019ils aient \u00e0 payer d\u2019imp\u00f4t.<\/p>\n

Volet \u00e9pargne<\/strong><\/h2>\n
    \n
  • Options diversifi\u00e9es de placement \u00e0 l\u2019abri de l\u2019imp\u00f4t;<\/li>\n
  • Respecte votre profil d\u2019investisseur.<\/li>\n<\/ul>\n

    L\u2019assurance vie universelle met \u00e0 votre disposition des options de placements diversifi\u00e9es (int\u00e9r\u00eat quotidien, int\u00e9r\u00eat fixe ou placements li\u00e9s \u00e0 un indice ou \u00e0 un fonds) \u00e0 l\u2019abri de l\u2019imp\u00f4t, ce qui permet de respecter votre profil d\u2019investisseur. Vous pouvez continuer d\u2019investir \u00e0 l\u2019abri de l\u2019imp\u00f4t m\u00eame si vous avez contribu\u00e9 au maximum \u00e0 vos REER.<\/p>\n

    Retirez votre \u00e9pargne en tout temps<\/h3>\n

    Vous voulez r\u00e9aliser des projets que vous caressez depuis longtemps? Vous pouvez en tout temps retirer une partie ou la totalit\u00e9 de l\u2019argent que vous avez \u00e9pargn\u00e9, et ce, sans aucuns frais de rachat. Sous r\u00e9serve de certaines conditions, vous pouvez m\u00eame encaisser votre \u00e9pargne sans devoir payer d\u2019imp\u00f4t avec l\u2019option Retraits-sant\u00e9.<\/p>\n

    Utilisez l\u2019option Retraits-sant\u00e9<\/h3>\n

    En cas d\u2019invalidit\u00e9, de maladie grave, d\u2019intervention chirurgicale ou de perte d\u2019autonomie, vous pouvez retirer votre \u00e9pargne sans devoir payer d\u2019imp\u00f4t ni de frais de rachat.<\/p>\n

    Volet protection<\/strong><\/h2>\n
      \n
    • Montant forfaitaire libre d\u2019imp\u00f4t vers\u00e9 \u00e0 vos b\u00e9n\u00e9ficiaires.<\/li>\n
    • Permet d\u2019augmenter la valeur de votre patrimoine \u00e0 votre d\u00e9c\u00e8s.<\/li>\n<\/ul>\n

      Le co\u00fbt de votre protection d\u00e9c\u00e8s est automatiquement pay\u00e9 au moyen d\u2019une partie des int\u00e9r\u00eats g\u00e9n\u00e9r\u00e9s par votre investissement. \u00c0 votre d\u00e9c\u00e8s, le montant d\u2019assurance est vers\u00e9 libre d\u2019imp\u00f4t <\/strong>\u00e0 vos b\u00e9n\u00e9ficiaires, ce qui vous permet de :<\/p>\n

        \n
      • transmettre la pleine valeur de votre patrimoine;<\/li>\n
      • faciliter le paiement de la facture fiscale que votre succession devra payer sur le gain en capital des biens l\u00e9gu\u00e9s (ex. : terrain, chalet, r\u00e9sidence secondaire, immeuble locatif, \u0153uvre d\u2019art, actions) et sur vos REER;<\/li>\n
      • assurer la qualit\u00e9 de vie de vos proches.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"

        Pour nombre de personnes qui planifient leur retraite, le REER constitue une bonne strat\u00e9gie. Par contre, pour les propri\u00e9taires d\u2019entreprise ou les cadres sup\u00e9rieurs dont les revenus exigent une strat\u00e9gie de report d\u2019imp\u00f4ts plus optimale, le r\u00e9gime de retraite individuel (RRI) peut s\u2019av\u00e9rer une option encore plus int\u00e9ressante. Un RRI est un r\u00e9gime de retraite […]<\/p>\n","protected":false},"author":1,"featured_media":2815,"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":[49],"tags":[],"class_list":["post-996","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-retraite_releve"],"acf":[],"yoast_head":"\nPr\u00e9parer sa retraite | 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\/entreprises\/retraite_releve\/preparer-sa-retraite\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pr\u00e9parer sa retraite | Caisse Alliance\" \/>\n<meta property=\"og:description\" content=\"Pour nombre de personnes qui planifient leur retraite, le REER constitue une bonne strat\u00e9gie. Par contre, pour les propri\u00e9taires d\u2019entreprise ou les cadres sup\u00e9rieurs dont les revenus exigent une strat\u00e9gie de report d\u2019imp\u00f4ts plus optimale, le r\u00e9gime de retraite individuel (RRI) peut s\u2019av\u00e9rer une option encore plus int\u00e9ressante. Un RRI est un r\u00e9gime de retraite [...]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.caissealliance.com\/fr\/entreprises\/retraite_releve\/preparer-sa-retraite\/\" \/>\n<meta property=\"og:site_name\" content=\"Caisse Alliance\" \/>\n<meta property=\"article:published_time\" content=\"2019-03-12T19:15:29+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2019-05-16T18:00:21+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.caissealliance.com\/wp-content\/uploads\/preparer_retraite-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1000\" \/>\n\t<meta property=\"og:image:height\" content=\"739\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"olabso\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"olabso\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.caissealliance.com\\\/fr\\\/entreprises\\\/retraite_releve\\\/preparer-sa-retraite\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.caissealliance.com\\\/fr\\\/entreprises\\\/retraite_releve\\\/preparer-sa-retraite\\\/\"},\"author\":{\"name\":\"olabso\",\"@id\":\"https:\\\/\\\/www.caissealliance.com\\\/fr\\\/#\\\/schema\\\/person\\\/fa514e945f74db9c21e04f3b1bd401ff\"},\"headline\":\"Pr\u00e9parer sa retraite\",\"datePublished\":\"2019-03-12T19:15:29+00:00\",\"dateModified\":\"2019-05-16T18:00:21+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.caissealliance.com\\\/fr\\\/entreprises\\\/retraite_releve\\\/preparer-sa-retraite\\\/\"},\"wordCount\":554,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/www.caissealliance.com\\\/fr\\\/entreprises\\\/retraite_releve\\\/preparer-sa-retraite\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.caissealliance.com\\\/wp-content\\\/uploads\\\/preparer_retraite-1.jpg\",\"articleSection\":[\"Retraite et rel\u00e8ve\"],\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.caissealliance.com\\\/fr\\\/entreprises\\\/retraite_releve\\\/preparer-sa-retraite\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.caissealliance.com\\\/fr\\\/entreprises\\\/retraite_releve\\\/preparer-sa-retraite\\\/\",\"url\":\"https:\\\/\\\/www.caissealliance.com\\\/fr\\\/entreprises\\\/retraite_releve\\\/preparer-sa-retraite\\\/\",\"name\":\"Pr\u00e9parer sa retraite | Caisse Alliance\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.caissealliance.com\\\/fr\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.caissealliance.com\\\/fr\\\/entreprises\\\/retraite_releve\\\/preparer-sa-retraite\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.caissealliance.com\\\/fr\\\/entreprises\\\/retraite_releve\\\/preparer-sa-retraite\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.caissealliance.com\\\/wp-content\\\/uploads\\\/preparer_retraite-1.jpg\",\"datePublished\":\"2019-03-12T19:15:29+00:00\",\"dateModified\":\"2019-05-16T18:00:21+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/www.caissealliance.com\\\/fr\\\/#\\\/schema\\\/person\\\/fa514e945f74db9c21e04f3b1bd401ff\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.caissealliance.com\\\/fr\\\/entreprises\\\/retraite_releve\\\/preparer-sa-retraite\\\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.caissealliance.com\\\/fr\\\/entreprises\\\/retraite_releve\\\/preparer-sa-retraite\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/www.caissealliance.com\\\/fr\\\/entreprises\\\/retraite_releve\\\/preparer-sa-retraite\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.caissealliance.com\\\/wp-content\\\/uploads\\\/preparer_retraite-1.jpg\",\"contentUrl\":\"https:\\\/\\\/www.caissealliance.com\\\/wp-content\\\/uploads\\\/preparer_retraite-1.jpg\",\"width\":1000,\"height\":739},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.caissealliance.com\\\/fr\\\/entreprises\\\/retraite_releve\\\/preparer-sa-retraite\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.caissealliance.com\\\/fr\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Pr\u00e9parer sa retraite\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.caissealliance.com\\\/fr\\\/#website\",\"url\":\"https:\\\/\\\/www.caissealliance.com\\\/fr\\\/\",\"name\":\"Caisse Alliance\",\"description\":\"Site Web de la Caisse Alliance\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.caissealliance.com\\\/fr\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.caissealliance.com\\\/fr\\\/#\\\/schema\\\/person\\\/fa514e945f74db9c21e04f3b1bd401ff\",\"name\":\"olabso\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Pr\u00e9parer sa retraite | Caisse Alliance","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.caissealliance.com\/fr\/entreprises\/retraite_releve\/preparer-sa-retraite\/","og_locale":"fr_FR","og_type":"article","og_title":"Pr\u00e9parer sa retraite | Caisse Alliance","og_description":"Pour nombre de personnes qui planifient leur retraite, le REER constitue une bonne strat\u00e9gie. Par contre, pour les propri\u00e9taires d\u2019entreprise ou les cadres sup\u00e9rieurs dont les revenus exigent une strat\u00e9gie de report d\u2019imp\u00f4ts plus optimale, le r\u00e9gime de retraite individuel (RRI) peut s\u2019av\u00e9rer une option encore plus int\u00e9ressante. Un RRI est un r\u00e9gime de retraite [...]","og_url":"https:\/\/www.caissealliance.com\/fr\/entreprises\/retraite_releve\/preparer-sa-retraite\/","og_site_name":"Caisse Alliance","article_published_time":"2019-03-12T19:15:29+00:00","article_modified_time":"2019-05-16T18:00:21+00:00","og_image":[{"width":1000,"height":739,"url":"https:\/\/www.caissealliance.com\/wp-content\/uploads\/preparer_retraite-1.jpg","type":"image\/jpeg"}],"author":"olabso","twitter_card":"summary_large_image","twitter_misc":{"\u00c9crit par":"olabso","Dur\u00e9e de lecture estim\u00e9e":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.caissealliance.com\/fr\/entreprises\/retraite_releve\/preparer-sa-retraite\/#article","isPartOf":{"@id":"https:\/\/www.caissealliance.com\/fr\/entreprises\/retraite_releve\/preparer-sa-retraite\/"},"author":{"name":"olabso","@id":"https:\/\/www.caissealliance.com\/fr\/#\/schema\/person\/fa514e945f74db9c21e04f3b1bd401ff"},"headline":"Pr\u00e9parer sa retraite","datePublished":"2019-03-12T19:15:29+00:00","dateModified":"2019-05-16T18:00:21+00:00","mainEntityOfPage":{"@id":"https:\/\/www.caissealliance.com\/fr\/entreprises\/retraite_releve\/preparer-sa-retraite\/"},"wordCount":554,"commentCount":0,"image":{"@id":"https:\/\/www.caissealliance.com\/fr\/entreprises\/retraite_releve\/preparer-sa-retraite\/#primaryimage"},"thumbnailUrl":"https:\/\/www.caissealliance.com\/wp-content\/uploads\/preparer_retraite-1.jpg","articleSection":["Retraite et rel\u00e8ve"],"inLanguage":"fr-FR","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.caissealliance.com\/fr\/entreprises\/retraite_releve\/preparer-sa-retraite\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.caissealliance.com\/fr\/entreprises\/retraite_releve\/preparer-sa-retraite\/","url":"https:\/\/www.caissealliance.com\/fr\/entreprises\/retraite_releve\/preparer-sa-retraite\/","name":"Pr\u00e9parer sa retraite | Caisse Alliance","isPartOf":{"@id":"https:\/\/www.caissealliance.com\/fr\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.caissealliance.com\/fr\/entreprises\/retraite_releve\/preparer-sa-retraite\/#primaryimage"},"image":{"@id":"https:\/\/www.caissealliance.com\/fr\/entreprises\/retraite_releve\/preparer-sa-retraite\/#primaryimage"},"thumbnailUrl":"https:\/\/www.caissealliance.com\/wp-content\/uploads\/preparer_retraite-1.jpg","datePublished":"2019-03-12T19:15:29+00:00","dateModified":"2019-05-16T18:00:21+00:00","author":{"@id":"https:\/\/www.caissealliance.com\/fr\/#\/schema\/person\/fa514e945f74db9c21e04f3b1bd401ff"},"breadcrumb":{"@id":"https:\/\/www.caissealliance.com\/fr\/entreprises\/retraite_releve\/preparer-sa-retraite\/#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.caissealliance.com\/fr\/entreprises\/retraite_releve\/preparer-sa-retraite\/"]}]},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.caissealliance.com\/fr\/entreprises\/retraite_releve\/preparer-sa-retraite\/#primaryimage","url":"https:\/\/www.caissealliance.com\/wp-content\/uploads\/preparer_retraite-1.jpg","contentUrl":"https:\/\/www.caissealliance.com\/wp-content\/uploads\/preparer_retraite-1.jpg","width":1000,"height":739},{"@type":"BreadcrumbList","@id":"https:\/\/www.caissealliance.com\/fr\/entreprises\/retraite_releve\/preparer-sa-retraite\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.caissealliance.com\/fr\/"},{"@type":"ListItem","position":2,"name":"Pr\u00e9parer sa retraite"}]},{"@type":"WebSite","@id":"https:\/\/www.caissealliance.com\/fr\/#website","url":"https:\/\/www.caissealliance.com\/fr\/","name":"Caisse Alliance","description":"Site Web de la Caisse Alliance","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.caissealliance.com\/fr\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"},{"@type":"Person","@id":"https:\/\/www.caissealliance.com\/fr\/#\/schema\/person\/fa514e945f74db9c21e04f3b1bd401ff","name":"olabso"}]}},"publishpress_future_action":{"enabled":false,"date":"2026-05-04 23:24:49","action":"change-status","newStatus":"draft","terms":[],"taxonomy":"category","extraData":[]},"publishpress_future_workflow_manual_trigger":{"enabledWorkflows":[]},"_links":{"self":[{"href":"https:\/\/www.caissealliance.com\/fr\/wp-json\/wp\/v2\/posts\/996","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.caissealliance.com\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.caissealliance.com\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.caissealliance.com\/fr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.caissealliance.com\/fr\/wp-json\/wp\/v2\/comments?post=996"}],"version-history":[{"count":3,"href":"https:\/\/www.caissealliance.com\/fr\/wp-json\/wp\/v2\/posts\/996\/revisions"}],"predecessor-version":[{"id":5540,"href":"https:\/\/www.caissealliance.com\/fr\/wp-json\/wp\/v2\/posts\/996\/revisions\/5540"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.caissealliance.com\/fr\/wp-json\/wp\/v2\/media\/2815"}],"wp:attachment":[{"href":"https:\/\/www.caissealliance.com\/fr\/wp-json\/wp\/v2\/media?parent=996"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.caissealliance.com\/fr\/wp-json\/wp\/v2\/categories?post=996"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.caissealliance.com\/fr\/wp-json\/wp\/v2\/tags?post=996"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}