25 septembre 2019

… ou comment retirer les fonds sans se ruiner

Préserver et faire croître le capital d’investissement forment l’une des pierres angulaires de la planification financière. À mesure que nous avançons dans la vie, que nous travaillons et que nous mettons notre revenu excédentaire de côté, notre objectif est d’accumuler le plus d’économies possible — et de les investir judicieusement — afin de subvenir à nos besoins pendant les années de retraite où nous ne gagnerons plus de salaire. Souvent, nous avons tendance à voir notre capital d’investissement original comme une vache sacrée que nous jurons de ne jamais toucher. Pourtant, plus nous investissons et réinvestissons dans nos portefeuilles, plus vite nos économies croîtront et meilleure sera notre situation financière future.

La période habituelle au cours de laquelle une personne doit tirer un revenu de son capital est la retraite. Il n’est donc pas étonnant que, le moment venu de vous tourner vers votre portefeuille comme source de revenus, vous ayez l’impression d’enfreindre le code de conduite de toute une vie. Cela semble tout simplement contre nature. Toutefois, il y a des moyens de puiser dans votre épargne sans nécessairement rogner le capital que vous avez laborieusement fait croître.

Fiscalité

Quand vous puisez dans votre capital, il est important de tenir compte de la fiscalité pour déterminer comment tirer le revenu nécessaire de vos placements avec un minimum d’érosion du capital. D’abord, vos actions et autres actifs immobilisés peuvent fructifier à l’abri de l’impôt jusqu’à ce que vous les vendiez à profit ; vous paierez alors des impôts sur la moitié des gains en capital réalisés. Ensuite, les dividendes gagnés sur la plupart des actions cotées en bourse donnent droit au crédit d’impôt pour dividendes, ce qui allège aussi votre fardeau fiscal. Les revenus d’intérêt provenant d’obligations, de certificats de placement garantis et de dépôts à vue sont quant à eux assujettis à votre taux d’imposition marginal. Par ailleurs, il existe aussi le fonds enregistré de revenu de retraite (FERR) qui vous permet de maintenir votre épargne à l’abri de l’impôt. À partir de ces renseignements, vous pouvez réfléchir à la manière de structurer votre portefeuille pour qu’il génère un revenu.

Catégories d’actifs

Obligations

Les obligations rapportent des intérêts qui sont pleinement imposables. Lorsque vous achetez une obligation ou une débenture dans le but de la détenir jusqu’à son échéance, vous connaissez le montant des versements d’intérêt périodiques que vous recevrez et la date à laquelle vous récupérerez le capital investi.

Pour atténuer le risque lié aux taux d’intérêt et le danger de bloquer une somme importante à un taux de rendement fixe pendant une longue période juste avant que les taux d’intérêt montent, vous pouvez échelonner les titres et leurs échéances, ce qui étale le risque sur une période plus longue. Par exemple, vous pourriez acheter des obligations en répartissant leurs échéances sur les cinq prochaines années. Quand une obligation arrive à échéance, vous la remplacez simplement par une autre de cinq ans, et ainsi de suite. Cette stratégie exige de la rigueur, mais elle vous permet d’avoir l’esprit tranquille sans redouter les fluctuations des taux d’intérêt.

Actions donnant droit à des dividendes

Les dividendes provenant d’actions sont l’une des méthodes traditionnelles utilisées pour tirer un revenu d’un portefeuille de placement. Il fut un temps où les actions privilégiées, qui maintiennent habituellement un cours assez constant et offrent un taux de dividendes intéressant, étaient la principale source de dividendes. Comme leur nom l’indique, en cas de faillite de la société émettrice, les actions privilégiées confèrent à leurs détenteurs un droit de remboursement prioritaire sur les actionnaires détenteurs d’actions ordinaires dans la liquidation des actifs résiduels. Cependant, l’offre d’actions privilégiées est assez limitée et, de nos jours, les investisseurs tirent principalement leurs revenus de dividendes d’actions ordinaires émises par de grandes sociétés comme des banques et des sociétés de services publics. Les dividendes sont habituellement versés sur une base trimestrielle. Le montant du dividende peut changer ; l’émetteur publiera alors un préavis. Vous devez cependant surveiller le cours de l’action et vous questionner sur le message sous-jacent si la société réduit son dividende, voire en suspend le versement. Vérifiez toujours l’historique des dividendes de la société avant d’investir.

En conclusion, nous vous avons présenté quelques-uns des instruments qui peuvent vous permettre de tirer un revenu régulier de votre portefeuille de placement, mais il existe beaucoup d’autres possibilités. Si toutes ces options peuvent constituer de bons choix, selon votre situation particulière, certaines donneront de meilleurs résultats que d’autres. L’idéal est de discuter des diverses possibilités avec votre conseiller dûment autorisé à exercer afin de déterminer lesquelles vous conviennent le mieux.

Vous avez aimé cet article? Partagez-le!
212 commentaires

212 Replies to “Tirer un revenu du capital accumulé”

  1. Great read. I especially liked the content you have written. I Totally agree with your concept and i found some amazing points which you written over here.

    I appreciate it, I’ll be sharing with my friends.

  2. Thank you for any other informative website. Where else may I get that type of info written in such
    a perfect means? I’ve a mission that I’m just now running on, and I’ve been at the look out for such information.

  3. It is perfect time to make a few plans for the longer term and it’s time to be happy.
    I have learn this submit and if I could I desire to suggest you few interesting things
    or advice. Perhaps you can write subsequent articles regarding this article.
    I want to learn even more things about it!

  4. Aw, this was a very good post. Finding the time and actual effort to create a
    top notch article… but what can I say… I hesitate a lot
    and don’t manage to get anything done.

  5. Howdy! This is my first comment here so I just wanted to give a quick shout out
    and tell you I really enjoy reading your blog posts.
    Can you recommend any other blogs/websites/forums that cover
    the same topics? Thank you!

  6. Hello! I just wanted to ask if you ever have any issues
    with hackers? My last blog (wordpress) was hacked and I ended
    up losing months of hard work due to no data backup.
    Do you have any solutions to stop hackers?

  7. I don’t even know how I ended up here, but I thought this post was good.

    I don’t know who you are but certainly you’re
    going to a famous blogger if you are not already 😉 Cheers!

  8. Greetings, I believe your blog might be having internet browser compatibility issues.

    Whenever I take a look at your website in Safari, it looks fine
    however when opening in Internet Explorer, it’s got some overlapping issues.
    I merely wanted to give you a quick heads up! Other than that, great site!

  9. You could definitely see your enthusiasm in the work you write.

    The arena hopes for even more passionate writers like you who aren’t afraid to mention how they believe.
    At all times follow your heart.

  10. We stumbled over here by a different web address and thought
    I may as well check things out. I like what I see so now i am following you.

    Look forward to finding out about your web page again.

  11. Hi, I do think this is an excellent web site. I stumbledupon it ;
    ) I am going to revisit yet again since i have saved as
    a favorite it. Money and freedom is the best
    way to change, may you be rich and continue to help others.

  12. My brother recommended I might like this blog.
    He was totally right. This submit truly made my day.
    You cann’t believe just how so much time I had spent for this information! Thanks!

  13. hello!,I like your writing so a lot! percentage we keep in touch more about your article on AOL?
    I require a specialist on this house to solve my problem.
    Maybe that’s you! Looking forward to look you.

  14. Oh my goodness! Amazing article dude! Thank you, However I am going through problems with your RSS.
    I don’t understand the reason why I cannot subscribe to it.
    Is there anybody else getting similar RSS problems? Anyone that knows
    the answer can you kindly respond? Thanx!!

  15. Write more, thats all I have to say. Literally, it seems as though you relied on the video to make
    your point. You obviously know what youre talking about,
    why waste your intelligence on just posting videos to your blog when you
    could be giving us something informative to read?

  16. I’ve been surfing online greater than three hours as of late,
    yet I by no means found any attention-grabbing article like yours.
    It’s pretty value enough for me. In my opinion, if all web owners and bloggers made
    excellent content as you did, the internet
    will be a lot more useful than ever before.

  17. Have you ever considered writing an ebook or guest authoring
    on other blogs? I have a blog based upon on the same subjects you discuss and would
    really like to have you share some stories/information. I know my visitors would value
    your work. If you’re even remotely interested, feel free to
    shoot me an email.

  18. What i don’t understood is if truth be told how you’re not really much more smartly-liked
    than you might be right now. You are very intelligent.

    You realize thus considerably with regards to this subject, produced me personally
    imagine it from a lot of numerous angles. Its like women and men don’t
    seem to be interested until it is one thing to do with Girl
    gaga! Your individual stuffs outstanding.
    Always deal with it up!

  19. Hello there! I know this is somewhat off topic but I was wondering
    if you knew where I could find a captcha plugin for my comment form?
    I’m using the same blog platform as yours and I’m having difficulty finding one?
    Thanks a lot!

  20. whoah this blog is wonderful i like reading your posts.
    Keep up the great work! You understand, a lot of individuals are looking around
    for this information, you could help them greatly.

  21. Thanks for a marvelous posting! I really enjoyed reading it, you could be a great author.I
    will always bookmark your blog and will eventually come back in the future.
    I want to encourage you to continue your great work, have a nice afternoon!

  22. Whats up very cool site!! Man .. Excellent .. Wonderful
    .. I will bookmark your website and take the
    feeds also? I am glad to seek out a lot of useful info right here within the publish, we need
    develop extra strategies in this regard, thanks for sharing.
    . . . . .

  23. It’s a pity you don’t have a donate button! I’d most certainly donate to this outstanding blog!
    I suppose for now i’ll settle for bookmarking and
    adding your RSS feed to my Google account. I look forward to
    brand new updates and will talk about this site with my Facebook group.

    Chat soon!

  24. I do consider all the ideas you have offered on your post.
    They’re really convincing and can definitely work.
    Still, the posts are too brief for beginners. Could you please lengthen them a bit from subsequent time?
    Thank you for the post.

  25. Nice post. I learn something totally new and challenging on sites I stumbleupon on a daily basis.
    It’s always helpful to read articles from other writers and practice
    something from other websites.

  26. Hello, i feel that i saw you visited my web site so i got here to return the prefer?.I am trying to
    to find things to improve my web site!I assume its adequate to use some of your concepts!!

  27. This design is spectacular! You definitely know how to keep a reader entertained.
    Between your wit and your videos, I was almost moved to start my own blog (well, almost…HaHa!) Great job.
    I really enjoyed what you had to say, and more than that, how you presented it.
    Too cool!

  28. Pretty nice post. I just stumbled upon your weblog and wanted to say that I have truly
    enjoyed browsing your blog posts. After all I’ll be subscribing to your rss feed and I hope you write again very soon!

  29. My partner and I absolutely love your blog and find the majority of your post’s to
    be exactly I’m looking for. Does one offer guest writers to write
    content available for you? I wouldn’t mind writing a post or elaborating on a number
    of the subjects you write with regards to here. Again, awesome blog!

  30. Hi! I just wanted to ask if you ever have any problems with
    hackers? My last blog (wordpress) was hacked and I ended up losing several weeks of hard work due
    to no backup. Do you have any methods to prevent hackers?

  31. Hi there! I could have sworn I’ve been to this blog before but after reading through some of the post I realized it’s new to me.

    Anyhow, I’m definitely glad I found it and I’ll be bookmarking and checking
    back frequently!

  32. Hello there I am so thrilled I found your blog, I really found you by accident, while I was looking on Askjeeve for
    something else, Regardless I am here now and would just like to say many thanks
    for a marvelous post and a all round entertaining blog (I also love
    the theme/design), I don’t have time to look over it all at
    the moment but I have bookmarked it and also included your RSS feeds, so when I
    have time I will be back to read more, Please do keep up the fantastic work.

  33. I have been exploring for a little bit for any high-quality articles or blog posts in this kind of house
    . Exploring in Yahoo I at last stumbled upon this web site.
    Reading this information So i am glad to convey that I have
    a very good uncanny feeling I found out exactly
    what I needed. I so much unquestionably will make sure to do
    not disregard this site and provides it a glance regularly.

  34. Hey there would you mind letting me know which webhost you’re utilizing?
    I’ve loaded your blog in 3 different internet
    browsers and I must say this blog loads a lot quicker
    then most. Can you recommend a good web hosting provider at a fair price?
    Cheers, I appreciate it!

  35. Hello this is kinda of off topic but I was wanting to know if blogs use WYSIWYG editors or if you have to manually code with
    HTML. I’m starting a blog soon but have no coding experience so I wanted to get advice from someone
    with experience. Any help would be greatly appreciated!

  36. Hello would you mind sharing which blog platform you’re working with?

    I’m looking to start my own blog soon but I’m having a
    tough time selecting between BlogEngine/Wordpress/B2evolution and
    Drupal. The reason I ask is because your design and style
    seems different then most blogs and I’m looking for something unique.

    P.S My apologies for being off-topic but I had to ask!

  37. Right here is the perfect site for anybody who hopes to understand this topic.

    You know so much its almost hard to argue with you (not that I really would want to…HaHa).
    You definitely put a new spin on a topic that has been discussed for many years.
    Excellent stuff, just great!

  38. Appreciating the persistence you put into your blog and
    detailed information you provide. It’s awesome to come across
    a blog every once in a while that isn’t the same outdated rehashed information.
    Fantastic read! I’ve bookmarked your site and I’m including your RSS feeds to my Google account.

  39. Hi! I know this is kind of off topic but I was wondering which blog platform are you using for this site?
    I’m getting fed up of WordPress because I’ve had problems with hackers and I’m looking at options for another platform.
    I would be fantastic if you could point me in the direction of a good platform.

    my site: India

  40. I am not certain where you are getting your info, but good topic.
    I must spend some time finding out more or working out more.

    Thanks for wonderful information I was in search of this info for my mission.

  41. When I originally commented I clicked the « Notify me when new comments are added » checkbox and now each time a comment is added
    I get several e-mails with the same comment. Is there
    any way you can remove me from that service? Thanks!

  42. I think that what you wrote made a ton of sense.
    However, consider this, what if you added a
    little information? I mean, I don’t wish to tell you how
    to run your website, however suppose you added a post title that makes people
    desire more? I mean Tirer un revenu du capital accumulé – Blogue de l'AQRP is a little vanilla.

    You should look at Yahoo’s home page and watch how they
    create post headlines to get people to open the links.
    You might try adding a video or a pic or two to grab readers interested about everything’ve
    written. In my opinion, it would make your blog a little bit more interesting.

  43. I will right away snatch your rss feed as I can’t find your email subscription link or e-newsletter service.
    Do you have any? Kindly allow me recognise in order that
    I may just subscribe. Thanks.

  44. Today, I went to the beachfront with my children. I found a sea shell and gave it to
    my 4 year old daughter and said « You can hear the ocean if you put this to your ear. » She put the shell to her ear
    and screamed. There was a hermit crab inside and it pinched
    her ear. She never wants to go back! LoL I know this is entirely off topic but I had
    to tell someone!

  45. Thank you, I’ve recently been looking for information about this topic
    for a long time and yours is the best I’ve discovered till now.
    But, what in regards to the bottom line? Are you certain concerning the supply?

  46. Howdy! Do you know if they make any plugins to help with Search Engine
    Optimization? I’m trying to get my blog to rank for some targeted keywords but I’m not seeing very good gains.
    If you know of any please share. Thanks!

  47. Hey there! Do you know if they make any plugins to assist with Search Engine Optimization? I’m trying to get my blog to rank for some targeted keywords
    but I’m not seeing very good gains. If you
    know of any please share. Thanks!

  48. Heya i’m for the primary time here. I came across this board and I find It truly helpful & it helped
    me out much. I hope to offer one thing back and help others like you helped me.

  49. Hi there! I know this is somewhat off topic but I was wondering which blog platform are you using for
    this website? I’m getting fed up of WordPress because I’ve had issues with hackers and I’m looking at alternatives for another platform.
    I would be awesome if you could point me in the direction of a good platform.

  50. I loved as much as you’ll receive carried out
    right here. The sketch is attractive, your authored material stylish.
    nonetheless, you command get got an edginess over that you
    wish be delivering the following. unwell unquestionably come more formerly again since exactly the same nearly very often inside case you shield this hike.

  51. Right here is the perfect website for anybody who wishes to find
    out about this topic. You realize a whole lot its almost hard to argue with you (not that I personally would want to…HaHa).
    You definitely put a new spin on a topic that has been discussed for decades.
    Excellent stuff, just wonderful!

  52. I love your blog.. very nice colors & theme. Did you design this website yourself or did you
    hire someone to do it for you? Plz answer back as I’m looking to design my own blog and would like to know
    where u got this from. thanks a lot

  53. Hello there, I think your site could possibly be
    having browser compatibility issues. Whenever I take
    a look at your blog in Safari, it looks fine however, when opening in Internet Explorer, it’s
    got some overlapping issues. I simply wanted to give you a quick heads up!
    Other than that, excellent blog!

  54. An impressive share! I have just forwarded this onto a co-worker who has been doing
    a little homework on this. And he in fact ordered me dinner due to the fact that I found it for him…
    lol. So allow me to reword this…. Thank YOU for the meal!!
    But yeah, thanks for spending the time to discuss this topic here
    on your web page.

  55. A fascinating discussion is worth comment.
    There’s no doubt that that you need to write more about
    this topic, it may not be a taboo matter but generally
    people don’t discuss these topics. To the next! Many thanks!!

  56. Excellent weblog here! Additionally your site rather a lot up fast!
    What host are you the usage of? Can I am getting your associate hyperlink on your host?
    I want my website loaded up as fast as yours lol

  57. I’m extremely impressed with your writing skills and
    also with the layout on your blog. Is this a paid theme or did you modify it yourself?
    Anyway keep up the excellent quality writing, it’s rare to see a
    nice blog like this one nowadays.

  58. Fantastic blog you have here but I was wondering if you
    knew of any message boards that cover the same topics discussed in this article?
    I’d really love to be a part of community where I can get responses from other knowledgeable people that share the
    same interest. If you have any suggestions, please let me
    know. Cheers!

    Feel free to surf to my web site … Beatrice

  59. Its like you read my mind! You appear to know so much about
    this, like you wrote the book in it or something.
    I think that you can do with some pics to drive the message home a bit, but other than that, this is magnificent blog.
    An excellent read. I will definitely be back.

  60. I’m not sure exactly why but this website is loading extremely slow for me.
    Is anyone else having this problem or is it
    a problem on my end? I’ll check back later on and see if the problem still exists.

  61. I am curious to find out what blog platform you’re working with?
    I’m experiencing some small security problems with my
    latest website and I would like to find something more safeguarded.
    Do you have any recommendations?

  62. I’m not sure exactly why but this website is loading very slow for me.
    Is anyone else having this problem or is it a problem on my end?
    I’ll check back later on and see if the problem
    still exists.

  63. Hello There. I found your blog using msn. This is an extremely well written article.
    I’ll be sure to bookmark it and come back to read more of your useful information. Thanks for
    the post. I will definitely return.

  64. Thanks a lot for sharing this with all people you really recognise what you’re talking about!
    Bookmarked. Kindly also visit my site =). We can have a hyperlink change
    arrangement between us

  65. I am now not sure where you’re getting your info, however good topic.
    I must spend a while finding out more or figuring out more.
    Thanks for excellent information I was looking for this information for my mission.

  66. hey there and thank you for your information – I have
    definitely picked up something new from right here. I did however expertise several technical issues using
    this site, since I experienced to reload
    the web site lots of times previous to I could get it to load
    properly. I had been wondering if your web hosting is OK?

    Not that I’m complaining, but sluggish loading instances times will very frequently affect your placement in google and can damage your
    high quality score if advertising and marketing with Adwords.
    Anyway I’m adding this RSS to my email and can look out for much more of your respective fascinating content.
    Ensure that you update this again very soon.

  67. I’ve been browsing on-line more than 3 hours as of late, but I never discovered any interesting article like yours.

    It is pretty worth sufficient for me. Personally,
    if all website owners and bloggers made just right content as you did, the internet shall be a lot more helpful
    than ever before.

  68. I like the helpful info you provide on your articles. I’ll
    bookmark your weblog and take a look at once more right here regularly.
    I’m fairly certain I’ll be told lots of new stuff proper right here!

    Good luck for the next!

  69. Does your website have a contact page? I’m having problems locating it but, I’d
    like to send you an email. I’ve got some suggestions for your blog you might be interested in hearing.
    Either way, great site and I look forward to seeing it grow over time.

  70. May I simply just say what a relief to discover somebody who genuinely knows what they’re talking about on the web.
    You certainly realize how to bring a problem to light and
    make it important. A lot more people should
    check this out and understand this side of the story. I can’t believe you are not more popular given that you surely have the gift.

  71. Very nice post. I just stumbled upon your blog and wanted to mention that I’ve truly enjoyed surfing around your blog posts.

    After all I will be subscribing to your rss feed
    and I am hoping you write once more very soon!

  72. Excellent post. I used to be checking continuously this weblog and I am inspired!

    Extremely useful information specifically the last phase 🙂 I handle such information much.
    I was looking for this particular info for a long time.
    Thank you and good luck.

  73. Hey there! This is my 1st comment here so I just wanted
    to give a quick shout out and tell you I genuinely enjoy reading
    through your articles. Can you suggest any other blogs/websites/forums that cover the
    same subjects? Many thanks! cheap flights 3aN8IMa

  74. Hello there! This post couldn’t be written much
    better! Looking through this post reminds me of my previous roommate!
    He always kept talking about this. I will forward this article to him.
    Fairly certain he’s going to have a great read.
    Many thanks for sharing!

Laisser un commentaire

Votre adresse courriel ne sera pas publiée.