{"id":38530,"date":"2022-02-22T08:54:43","date_gmt":"2022-02-22T13:54:43","guid":{"rendered":"https:\/\/ivari.ca\/?page_id=38530"},"modified":"2022-07-15T00:29:17","modified_gmt":"2022-07-15T04:29:17","slug":"rentes","status":"publish","type":"page","link":"https:\/\/ivari.ca\/fr\/produits\/placements\/rentes\/","title":{"rendered":"Rentes"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row css=\u00a0\u00bb.vc_custom_1633110907975{background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\u00a0\u00bb el_id=\u00a0\u00bbpost-banner\u00a0\u00bb][vc_column][vc_row_inner content_placement=\u00a0\u00bbbottom\u00a0\u00bb css=\u00a0\u00bb.vc_custom_1636386201782{background-image: url(https:\/\/ivari.ca\/files\/2021\/11\/shutterstock_296302733-annuities-scaled.jpg?id=35154) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\u00a0\u00bb el_class=\u00a0\u00bbpost-banner\u00a0\u00bb][vc_column_inner el_class=\u00a0\u00bbimage-row-text-column\u00a0\u00bb width=\u00a0\u00bb2\/5&Prime;][vc_column_text]<\/p>\n<h1>\t\t\t<span id=\"typedjs79\" class=\"animated-typed-js-shortcode \"><\/span>\n\t\t\t<script>\n\t\t\tvar typedjs79 = new Typed('#typedjs79', {\n\t\t\t\tstrings: [\"Parlons\\u2026 rentes\"],\n\t\t\t\ttypeSpeed: 80,\n\t\t\t\tbackSpeed: 50,\n\t\t\t\tbackDelay: 500,\n\t\t\t\tstartDelay: 1000,\n\t\t\t\tloop: false,\n\t\t\t\tloopCount: 0,\n\t\t\t\tfadeOut: false,\n\t\t\t\tfadeOutDelay: 500,\n\t\t\t\tsmartBackspace: true,\n\t\t\t\tshuffle: false,\n\t\t\t\tshowCursor: true,\n\t\t\t\tcursorChar: \"|\"\n\t\t\t});\n\t\t\t<\/script>\n\n\t\t<\/h1>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=\u00a0\u00bb3\/5&Prime;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row el_id=\u00a0\u00bbpage-subheader\u00a0\u00bb][vc_column][vc_column_text]Les rentes imm\u00e9diates \u00e0 prime unique (RIPU) d\u2019ivari versent, en contrepartie d\u2019un d\u00e9p\u00f4t forfaitaire, un revenu garanti la vie durant ou pour une p\u00e9riode d\u00e9termin\u00e9e.[\/vc_column_text][\/vc_column][\/vc_row][vc_row gap=\u00a0\u00bb35&Prime; equal_height=\u00a0\u00bbyes\u00a0\u00bb el_class=\u00a0\u00bbivari-row\u00a0\u00bb][vc_column width=\u00a0\u00bb1\/3&Prime; el_class=\u00a0\u00bbcontent-box\u00a0\u00bb][vc_single_image image=\u00a0\u00bb35160&Prime;][vc_column_text]<\/p>\n<h3>Rente viag\u00e8re sur une seule t\u00eate avec ou sans p\u00e9riode garantie*<\/h3>\n<p>Ce type de rente pr\u00e9voit un revenu la vie durant. Le revenu peut \u00e9galement \u00eatre garanti pour une p\u00e9riode d\u00e9termin\u00e9e. La fr\u00e9quence des versements peut \u00eatre mensuelle, trimestrielle, semestrielle ou annuelle. Si une p\u00e9riode garantie est s\u00e9lectionn\u00e9e, la rente est payable durant la p\u00e9riode choisie. Dans le cas o\u00f9 le rentier d\u00e9c\u00e8de pr\u00e9matur\u00e9ment, la rente continue d\u2019\u00eatre vers\u00e9e au b\u00e9n\u00e9ficiaire d\u00e9sign\u00e9 jusqu\u2019\u00e0 expiration de la p\u00e9riode garantie.[\/vc_column_text][\/vc_column][vc_column width=\u00a0\u00bb1\/3&Prime; el_class=\u00a0\u00bbcontent-box\u00a0\u00bb][vc_single_image image=\u00a0\u00bb35158&Prime;][vc_column_text]<\/p>\n<h3>Rente r\u00e9versible avec ou sans p\u00e9riode garantie*<\/h3>\n<p>Ce type de rente procure \u00e0 deux rentiers un revenu leur vie durant. Au d\u00e9c\u00e8s du rentier principal, la rente est vers\u00e9e au rentier rempla\u00e7ant. Les versements de rente sont garantis tant que l\u2019un des rentiers est en vie. La fr\u00e9quence des versements peut \u00eatre mensuelle, trimestrielle, semestrielle ou annuelle. Il existe des p\u00e9riodes garanties facultatives, de m\u00eame qu\u2019une option de r\u00e9duction du versement au d\u00e9c\u00e8s du rentier principal ou \u00e0 l\u2019expiration de la p\u00e9riode garantie.[\/vc_column_text][\/vc_column][vc_column width=\u00a0\u00bb1\/3&Prime; el_class=\u00a0\u00bbcontent-box\u00a0\u00bb][vc_single_image image=\u00a0\u00bb35156&Prime;][vc_column_text]<\/p>\n<h3>Rente certaine<\/h3>\n<p>Ce type de rente pr\u00e9voit un revenu r\u00e9gulier garanti pendant une p\u00e9riode choisie. Une fois cette p\u00e9riode \u00e9coul\u00e9e, les versements cessent et le contrat de rente prend fin.[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text el_class=\u00a0\u00bbfootnote-section\u00a0\u00bb]<small>*sans p\u00e9riode garantie r\u00e9gimes enregistr\u00e9s seulement<\/small>[\/vc_column_text][\/vc_column][\/vc_row][vc_row el_class=\u00a0\u00bbivari-row\u00a0\u00bb][vc_column][vc_row_inner equal_height=\u00a0\u00bbyes\u00a0\u00bb content_placement=\u00a0\u00bbmiddle\u00a0\u00bb][vc_column_inner el_class=\u00a0\u00bbimage-half\u00a0\u00bb width=\u00a0\u00bb1\/2&Prime; css=\u00a0\u00bb.vc_custom_1636388211307{padding-top: 150px !important;padding-bottom: 150px !important;background-image: url(https:\/\/ivari.ca\/files\/2021\/11\/shutterstock_283815887-SPIA-scaled.jpg?id=35162) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\u00a0\u00bb][\/vc_column_inner][vc_column_inner el_class=\u00a0\u00bbgrey-half\u00a0\u00bb width=\u00a0\u00bb1\/2&Prime; css=\u00a0\u00bb.vc_custom_1636384275648{background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\u00a0\u00bb][vc_column_text]<\/p>\n<h2>Avantages cl\u00e9s d\u2019une RIPU d\u2019ivari<\/h2>\n<p>Les RIPU vous permettent de transformer un d\u00e9p\u00f4t forfaitaire enregistr\u00e9 ou non enregistr\u00e9 en un revenu r\u00e9gulier. Ce revenu peut \u00eatre garanti sur la t\u00eate d\u2019un ou de deux rentiers ou pour une p\u00e9riode d\u00e9termin\u00e9e.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row el_class=\u00a0\u00bbivari-row\u00a0\u00bb][vc_column][vc_column_text]<\/p>\n<h2>Voici en r\u00e9sum\u00e9 les avantages cl\u00e9s :<\/h2>\n<p>[\/vc_column_text][vc_row_inner el_class=\u00a0\u00bbarticle-section\u00a0\u00bb][vc_column_inner width=\u00a0\u00bb1\/4&Prime;][vc_column_text]<\/p>\n<h3>Revenu garanti<\/h3>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=\u00a0\u00bb3\/4&Prime;][vc_column_text]Votre revenu futur est garanti et vous connaissez le montant exact que vous recevrez la vie durant ou pour la p\u00e9riode que vous avez choisie. Gr\u00e2ce \u00e0 la RIPU, il n\u2019y a aucun risque que votre capital s\u2019\u00e9puise avant votre d\u00e9c\u00e8s.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner el_class=\u00a0\u00bbarticle-section\u00a0\u00bb][vc_column_inner width=\u00a0\u00bb1\/4&Prime;][vc_column_text]<\/p>\n<h3>Garantie de la prime<\/h3>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=\u00a0\u00bb3\/4&Prime;][vc_column_text]Advenant le d\u00e9c\u00e8s du rentier et du rentier rempla\u00e7ant avant le premier versement, <em>ivari<\/em> rembourse en une somme forfaitaire au b\u00e9n\u00e9ficiaire le montant int\u00e9gral de la prime.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner el_class=\u00a0\u00bbarticle-section\u00a0\u00bb][vc_column_inner width=\u00a0\u00bb1\/4&Prime;][vc_column_text]<\/p>\n<h3>Gestion facile<\/h3>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=\u00a0\u00bb3\/4&Prime;][vc_column_text]Il n\u2019y a aucune d\u00e9cision \u00e0 prendre sur une base continue en mati\u00e8re de placement ou de gestion. D\u00e8s la souscription d\u2019une RIPU, vous b\u00e9n\u00e9ficiez d\u2019un revenu r\u00e9gulier.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner el_class=\u00a0\u00bbarticle-section\u00a0\u00bb][vc_column_inner width=\u00a0\u00bb1\/4&Prime;][vc_column_text]<\/p>\n<h3>Revenu fiscalement avantageux<\/h3>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=\u00a0\u00bb3\/4&Prime;][vc_column_text]Une RIPU permet la transformation imm\u00e9diate d\u2019un d\u00e9p\u00f4t forfaitaire en un revenu avantageux sur le plan fiscal.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner el_class=\u00a0\u00bbarticle-section\u00a0\u00bb][vc_column_inner width=\u00a0\u00bb1\/4&Prime;][vc_column_text]<\/p>\n<h3>Protection \u00e9ventuelle contre les cr\u00e9anciers<\/h3>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=\u00a0\u00bb3\/4&Prime;][vc_column_text]Comme pour un produit d\u2019assurance, vous pouvez d\u00e9signer un membre de votre famille \u00e0 titre de b\u00e9n\u00e9ficiaire. Ainsi, vos placements peuvent \u00eatre prot\u00e9g\u00e9s contre les cr\u00e9anciers. Toutefois, en raison d\u2019un certain nombre de conditions et de restrictions, il est important de consulter un conseiller juridique en cas de doute quant \u00e0 la disponibilit\u00e9 de cette protection.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner el_class=\u00a0\u00bbarticle-section\u00a0\u00bb][vc_column_inner width=\u00a0\u00bb1\/4&Prime;][vc_column_text]<\/p>\n<h3>Planification successorale<\/h3>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=\u00a0\u00bb3\/4&Prime;][vc_column_text]\u00c9tant donn\u00e9 que vous pouvez nommer un b\u00e9n\u00e9ficiaire, le r\u00e8glement \u00e0 la succession, ainsi que les frais d\u2019homologation (sauf au Qu\u00e9bec) et les retards y aff\u00e9rents, sont \u00e9vit\u00e9s.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p> Les rentes imm\u00e9diates \u00e0 prime unique (RIPU) d\u2019ivari versent, en contrepartie d\u2019un d\u00e9p\u00f4t forfaitaire, un revenu garanti la vie durant ou pour une p\u00e9riode d\u00e9termin\u00e9e.[vc_row gap=\u00a0\u00bb35&Prime;&#8230;<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":41258,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_searchwp_excluded":"","footnotes":""},"query_groups":[],"class_list":["post-38530","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - 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