{"id":2849,"date":"2019-02-26T14:17:45","date_gmt":"2019-02-26T14:17:45","guid":{"rendered":"https:\/\/milleniumgf.com\/site\/?p=2849"},"modified":"2019-02-26T14:17:45","modified_gmt":"2019-02-26T14:17:45","slug":"majoration-du-revenu-de-retraite","status":"publish","type":"post","link":"https:\/\/milleniumgf.com\/site\/2019\/02\/26\/majoration-du-revenu-de-retraite\/","title":{"rendered":"Majoration du revenu de retraite"},"content":{"rendered":"<p>Le concept de majoration du revenu de retraite est une strat\u00e9gie permettant l\u2019accumulation de capital de mani\u00e8re avantageuse sur le plan fiscal dans une police d\u2019assurance-vie permanente. La capitalisation de cette somme \u00e0 l\u2019abri de l\u2019imp\u00f4t peut \u00e9ventuellement \u00eatre retir\u00e9e. Elle pourra alors \u00eatre utilis\u00e9e comme une source de revenu suppl\u00e9mentaire \u00e0 la retraite.<\/p>\n<h2>La majoration du revenu de retraite est recommand\u00e9e pour les gens qui&#8230;<\/h2>\n<ul>\n<li>versent d\u00e9j\u00e0 les cotisations maximums aux r\u00e9gimes d\u2019\u00e9pargnes r\u00e9glementaires (r\u00e9gimes \u00e0 prestations d\u00e9termin\u00e9es, r\u00e9gimes \u00e0 cotisations d\u00e9termin\u00e9es, REER, r\u00e9gimes \u00e0 participation diff\u00e9r\u00e9e aux b\u00e9n\u00e9fices et CELI);<\/li>\n<li>ont un besoin \u00e0 combler en assurance-vie;<\/li>\n<li>souhaitent augmenter leur revenu de retraite potentiel;<\/li>\n<li>veulent diminuer l\u2019imp\u00f4t qu\u2019il paie sur leur revenu de placement actuellement;<\/li>\n<li>ont un minimum de dettes et;<\/li>\n<li>aimeraient accro\u00eetre leur valeur nette.<\/li>\n<\/ul>\n<p>La planification de retraite se base principalement sur les r\u00e9gimes r\u00e9glementaires \u00e9num\u00e9r\u00e9s plus haut. Est-ce que le revenu que vous pourrez tirer de ces r\u00e9gimes sera suffisant \u00e0 la retraite afin d\u2019avoir un rythme de vie qui convient?<\/p>\n<p>Les r\u00e9gimes r\u00e9glementaires imposent des plafonds de cotisations et donc des limites au revenu de retraite qui pourra \u00eatre vers\u00e9. Effectivement, les cotisations \u00e0 un REER sont limit\u00e9es \u00e0 18% du revenu annuel et \u00e9galement \u00e0 un plafond de revenu admissible qui est en 2013 de 132\u00a0133$. Si une personne gagne un revenu plus \u00e9lev\u00e9 que celui-ci elle ne peut cotiser au REER pour la portion suppl\u00e9mentaire de ce revenu. Pour le CELI, depuis 2013 les cotisations maximales sont de 5\u00a0500$\/ann\u00e9e.<\/p>\n<p>Comme l\u2019illustre l\u2019image suivante le revenu exc\u00e9dentaire au plafond de cotisation REER impos\u00e9 par la loi servira aux cotisations CELI qui sont \u00e9galement limit\u00e9es et pour le reste il est possible d\u2019investir dans des placements non enregistr\u00e9s o\u00f9 la croissance y est imposable annuellement.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" data-attachment-id=\"2850\" data-permalink=\"https:\/\/milleniumgf.com\/site\/2019\/02\/26\/majoration-du-revenu-de-retraite\/majoration-du-revenu-de-ret\/\" data-orig-file=\"https:\/\/milleniumgf.com\/site\/wp-content\/uploads\/2019\/02\/majoration-du-revenu-de-ret.jpg\" data-orig-size=\"814,579\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"majoration-du-revenu-de-ret\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/milleniumgf.com\/site\/wp-content\/uploads\/2019\/02\/majoration-du-revenu-de-ret-300x213.jpg\" data-large-file=\"https:\/\/milleniumgf.com\/site\/wp-content\/uploads\/2019\/02\/majoration-du-revenu-de-ret.jpg\" class=\"aligncenter wp-image-2850 size-medium\" src=\"https:\/\/milleniumgf.com\/site\/wp-content\/uploads\/2019\/02\/majoration-du-revenu-de-ret-300x213.jpg\" alt=\"Majoration du revenu de retraite\" width=\"300\" height=\"213\" srcset=\"https:\/\/milleniumgf.com\/site\/wp-content\/uploads\/2019\/02\/majoration-du-revenu-de-ret-300x213.jpg 300w, https:\/\/milleniumgf.com\/site\/wp-content\/uploads\/2019\/02\/majoration-du-revenu-de-ret-768x546.jpg 768w, https:\/\/milleniumgf.com\/site\/wp-content\/uploads\/2019\/02\/majoration-du-revenu-de-ret.jpg 814w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/p>\n<h2>L&rsquo;assurance-vie, un outil de la majoration du revenu de retraite<\/h2>\n<p>L\u2019assurance-vie permanente devient alors un outil int\u00e9ressant pour la capitalisation d\u2019une valeur en esp\u00e8ce sans avoir \u00e0 payer d\u2019imp\u00f4t jusqu\u2019\u00e0 ce que la valeur en esp\u00e8ce (ou valeur de rachat) soit retir\u00e9e de la police. Donc plut\u00f4t que d\u2019investir dans des placements traditionnels imposables pourquoi ne pas investir dans une assurance-vie exon\u00e9r\u00e9e d\u2019imp\u00f4t. En voici les avantages\u00a0:<\/p>\n<ul>\n<li>La valeur de rachat de la police se capitalise dans un contexte fiscalement avantageux<\/li>\n<li>\u00c0 la retraite l\u2019acc\u00e8s \u00e0 la valeur de rachat permet d\u2019augmenter le revenu.<\/li>\n<li>L\u2019imp\u00f4t payable annuellement est diminu\u00e9.<\/li>\n<li>Au d\u00e9c\u00e8s les b\u00e9n\u00e9ficiaires d\u00e9sign\u00e9s recevront la prestation restante en franchise d\u2019imp\u00f4t.<\/li>\n<\/ul>\n<p><img loading=\"lazy\" decoding=\"async\" data-attachment-id=\"2851\" data-permalink=\"https:\/\/milleniumgf.com\/site\/2019\/02\/26\/majoration-du-revenu-de-retraite\/majoration-revenu-retraite2\/\" data-orig-file=\"https:\/\/milleniumgf.com\/site\/wp-content\/uploads\/2019\/02\/majoration-revenu-retraite2.jpg\" data-orig-size=\"1063,719\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"majoration-revenu-retraite2\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/milleniumgf.com\/site\/wp-content\/uploads\/2019\/02\/majoration-revenu-retraite2-300x203.jpg\" data-large-file=\"https:\/\/milleniumgf.com\/site\/wp-content\/uploads\/2019\/02\/majoration-revenu-retraite2-1024x693.jpg\" class=\"aligncenter wp-image-2851 size-medium\" src=\"https:\/\/milleniumgf.com\/site\/wp-content\/uploads\/2019\/02\/majoration-revenu-retraite2-300x203.jpg\" alt=\"Majoration du revenu de retraite.\" width=\"300\" height=\"203\" srcset=\"https:\/\/milleniumgf.com\/site\/wp-content\/uploads\/2019\/02\/majoration-revenu-retraite2-300x203.jpg 300w, https:\/\/milleniumgf.com\/site\/wp-content\/uploads\/2019\/02\/majoration-revenu-retraite2-768x519.jpg 768w, https:\/\/milleniumgf.com\/site\/wp-content\/uploads\/2019\/02\/majoration-revenu-retraite2-1024x693.jpg 1024w, https:\/\/milleniumgf.com\/site\/wp-content\/uploads\/2019\/02\/majoration-revenu-retraite2.jpg 1063w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/p>\n<h2>Lorsque le moment de retirer la valeur de rachat de la police viendra 3 m\u00e9thodes sont possibles\u00a0:<\/h2>\n<ul>\n<li>L\u2019emprunt garanti<\/li>\n<li>Le rachat partiel de la valeur de rachat<\/li>\n<li>L\u2019avance sur police<\/li>\n<\/ul>\n<p>Ces trois m\u00e9thodes ont des incidences fiscales diff\u00e9rentes. Il y aura g\u00e9n\u00e9ralement imposition sur l\u2019ann\u00e9e du retrait des fonds pour le rachat partiel et l\u2019avance sur police. Selon la loi canadienne c\u00e9der l\u2019assurance-vie en garanti d\u2019un emprunt n\u2019est pas imposable par contre. L\u2019emprunt garanti pourrait donc \u00eatre une bonne option tout d\u00e9pendant des taux en vigueur \u00e0 ce moment.<\/p>\n<p>Il est important de comprendre que ce type de strat\u00e9gie n\u2019est pas un substitut aux r\u00e9gimes r\u00e9glementaires mais bien un compl\u00e9ment. Bien que le concept semble tr\u00e8s avantageux il devient int\u00e9ressant pour les personnes ayant pris tout leurs droits de cotisations.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Le concept de majoration du revenu de retraite est une strat\u00e9gie permettant l\u2019accumulation de capital de mani\u00e8re avantageuse sur le plan fiscal dans une police d\u2019assurance-vie permanente. La capitalisation de cette somme \u00e0 l\u2019abri de l\u2019imp\u00f4t peut \u00e9ventuellement \u00eatre retir\u00e9e. Elle pourra alors \u00eatre utilis\u00e9e comme une source de revenu suppl\u00e9mentaire \u00e0 la retraite. La [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":2852,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"jetpack_post_was_ever_published":false,"footnotes":""},"categories":[51],"tags":[],"class_list":["post-2849","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fiscalite"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Majoration du revenu de retraite - Groupe Financier Millenium<\/title>\n<meta name=\"description\" content=\"La majoration du revenu de retraite est une strat\u00e9gie permettant l\u2019accumulation de capital dans une police d\u2019assurance-vie permanente.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/milleniumgf.com\/site\/2019\/02\/26\/majoration-du-revenu-de-retraite\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Majoration du revenu de retraite - 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