{"id":2955,"date":"2020-03-03T16:33:15","date_gmt":"2020-03-03T16:33:15","guid":{"rendered":"https:\/\/milleniumgf.com\/site\/?p=2955"},"modified":"2020-03-04T22:12:57","modified_gmt":"2020-03-04T22:12:57","slug":"cotiser-ou-non-a-la-rrq","status":"publish","type":"post","link":"https:\/\/milleniumgf.com\/site\/2020\/03\/03\/cotiser-ou-non-a-la-rrq\/","title":{"rendered":"Cotiser ou non \u00e0 la RRQ?"},"content":{"rendered":"<p>Comme actionnaire d\u2019une entreprise incorpor\u00e9e vous avez le loisir de cotiser \u00e0 la RRQ ou de ne pas cotiser. Lorsque vous avez un mode de r\u00e9mun\u00e9ration 100% en dividendes automatiquement vous pouvez vous exempter du paiement des d\u00e9ductions \u00e0 la source en tant qu\u2019actionnaire, incluant la RRQ. Voici les principaux avantages et les \u00e9l\u00e9ments \u00e0 consid\u00e9rer si vous choisissez cette option.<\/p>\n<h2>Les avantages de ne pas cotiser \u00e0 la RRQ :<\/h2>\n<ul>\n<li>Possibilit\u00e9 de g\u00e9n\u00e9rer une rente plus \u00e9lev\u00e9e dans des placements garantis (entre 25% et plus de 500% annuellement selon votre \u00e2ge et le MGA ant\u00e9rieur);<\/li>\n<li>Flexibilit\u00e9 quant \u00e0 l\u2019\u00e2ge de versement de la rente (pas oblig\u00e9 d\u2019attendre \u00e0 60 ans au plus t\u00f4t pour retirer votre rente);<\/li>\n<li>Acc\u00e8s aux cotisations vers\u00e9es et int\u00e9r\u00eats en cas de besoin de liquidit\u00e9s (avant la retraite) 100% du fonds accumul\u00e9 sera vers\u00e9 \u00e0 la succession. Avec la RRQ, si mon(ma) conjoint(e) est d\u00e9c\u00e9d\u00e9(e) ou si je suis c\u00e9libataire et que je n\u2019ai pas d\u2019enfants ou qu\u2019ils sont d\u00e9j\u00e0 majeurs, la rente RRQ sera perdue (gard\u00e9e dans la caisse actuarielle de la RRQ);<\/li>\n<li>Gestion prudente et personnalis\u00e9e des fonds (cotisations RRQ) sans \u00eatre d\u00e9pendants du vieillissement de la population et des d\u00e9ficits possibles \u00e0 venir de la caisse actuarielle de la RRQ.<\/li>\n<\/ul>\n<h2>Les \u00e9l\u00e9ments \u00e0 prendre en consid\u00e9ration :<\/h2>\n<ul>\n<li>Votre structure d\u2019entreprise doit vous permettre la r\u00e9mun\u00e9ration sous forme de dividendes (B\u00e9n\u00e9fices non r\u00e9partis, autres clauses\u2026);<\/li>\n<li>Si vous avez des associ\u00e9s, il est important d\u2019avoir une cat\u00e9gorie d\u2019actions \u00e0 dividendes discr\u00e9tionnaires ce qui vous donnera la latitude de verser un salaire \u00e0 certains et des dividendes \u00e0 d\u2019autres ou selon un pourcentage d\u2019actions diff\u00e9rent;<\/li>\n<li>Vous ne devez pas avoir de restrictions de votre banquier quant au mode de r\u00e9mun\u00e9ration;<\/li>\n<li>Vous n\u2019avez pas de cr\u00e9dits d\u2019imp\u00f4t R &amp; D sur votre salaire en tant qu\u2019actionnaire;<\/li>\n<li>Vous g\u00e9n\u00e9rez des b\u00e9n\u00e9fices d\u2019entreprise r\u00e9guliers et constants;<\/li>\n<li>Vous comptez plus de 5500 heures r\u00e9mun\u00e9r\u00e9es au sein de votre entreprise;<\/li>\n<li>La rente de conjoint survivant et a rente d\u2019invalidit\u00e9 de la RRQ devra \u00eatre tenue en consid\u00e9ration et remplac\u00e9e (on le pr\u00e9voit d\u2019office);<\/li>\n<li>Si vous \u00eates d\u00e9j\u00e0 impos\u00e9 au gros taux d\u2019imposition ou proche de le d\u00e9passer, il se pourrait que le versement de dividendes ne soit pas avantageux pour vous;<\/li>\n<li>Si vous avez des frais de garde pour enfants \u00e0 charge, il faut s\u2019assurer de les d\u00e9duire du salaire le plus bas dans le couple.<\/li>\n<\/ul>\n<p>Notre groupe poss\u00e8de une longue expertise depuis les 18 derni\u00e8res ann\u00e9es en ing\u00e9nierie financi\u00e8re avanc\u00e9e dans les PME du Qu\u00e9bec et les questions complexes telles que la pertinence de cotiser \u00e0 la r\u00e9gie des rentes du Qu\u00e9bec ou pas en fait partie. Et VOUS quelles questions complexes restent sans r\u00e9ponse dans vos finances corporatives ?<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Comme actionnaire d\u2019une entreprise incorpor\u00e9e vous avez le loisir de cotiser \u00e0 la RRQ ou de ne pas cotiser. Lorsque vous avez un mode de r\u00e9mun\u00e9ration 100% en dividendes automatiquement vous pouvez vous exempter du paiement des d\u00e9ductions \u00e0 la source en tant qu\u2019actionnaire, incluant la RRQ. Voici les principaux avantages et les \u00e9l\u00e9ments \u00e0 [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":2128,"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-2955","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>Cotiser ou non \u00e0 la RRQ? - Groupe Financier Millenium<\/title>\n<meta name=\"description\" content=\"Comme actionnaire d\u2019une entreprise incorpor\u00e9e vous devez choisir de cotiser \u00e0 la RRQ... ou non. 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