{"id":30734,"date":"2026-03-23T19:55:11","date_gmt":"2026-03-23T18:55:11","guid":{"rendered":"https:\/\/www.richter.ca\/?post_type=insights&#038;p=30734"},"modified":"2026-03-23T19:55:12","modified_gmt":"2026-03-23T18:55:12","slug":"les-avantages-et-les-inconvenients-de-transmettre-un-heritage-de-son-vivant","status":"publish","type":"insights","link":"https:\/\/www.richter.ca\/fr\/nos-reflexions\/les-avantages-et-les-inconvenients-de-transmettre-un-heritage-de-son-vivant\/","title":{"rendered":"Les avantages et les inconv\u00e9nients de transmettre un h\u00e9ritage de son vivant"},"content":{"rendered":"<div class=\"bl-wysiwyg animaenter wrapper\">\n    <p><em>Voir la prochaine g\u00e9n\u00e9ration profiter de son h\u00e9ritage peut \u00eatre une source de satisfaction, mais cette d\u00e9marche comporte des risques.<\/em><\/p>\n<p>Alors que les familles canadiennes se pr\u00e9parent \u00e0 transf\u00e9rer plus de 1 000 milliards de dollars au cours des prochaines d\u00e9cennies, plusieurs r\u00e9\u00e9valuent le moment et la mani\u00e8re dont ce patrimoine devrait \u00eatre transmis. Un article r\u00e9cent du <a href=\"https:\/\/financialpost.com\/personal-finance\/family-finance\/garry-marr-pros-cons-of-doling-out-inheritance\"><em>Financial Post<\/em><\/a> explore la tendance croissante \u00e0 donner \u00ab de son vivant \u00bb, o\u00f9 parents et grands-parents offrent un soutien financier plus t\u00f4t afin d\u2019aider la rel\u00e8ve \u00e0 faire face \u00e0 la hausse des co\u00fbts du logement et \u00e0 une capacit\u00e9 d\u2019\u00e9pargne limit\u00e9e. Bien que des outils comme le CELIAPP, le CELI et le REER offrent des possibilit\u00e9s fiscalement avantageuses pour soutenir cette approche, cette d\u00e9cision implique des compromis importants en mati\u00e8re de contr\u00f4le, de moment et de s\u00e9curit\u00e9 financi\u00e8re \u00e0 long terme.<\/p>\n<p>Dans cet article, <strong><a href=\"https:\/\/www.richter.ca\/fr\/nos-experts\/greg-moore\/\">Greg Moore<\/a><\/strong>, associ\u00e9 et gestionnaire de portefeuille, pr\u00e9sente une perspective interg\u00e9n\u00e9rationnelle issue de son travail aupr\u00e8s de familles \u00e0 valeur nette \u00e9lev\u00e9e. Il souligne que le principal d\u00e9fi d\u00e9passe la planification financi\u00e8re. Il r\u00e9side dans la pr\u00e9paration de la rel\u00e8ve \u00e0 g\u00e9rer le patrimoine de fa\u00e7on responsable. Les familles s\u2019interrogent de plus en plus sur la mani\u00e8re de d\u00e9velopper la litt\u00e9ratie financi\u00e8re et le sens des responsabilit\u00e9s, sans cr\u00e9er de d\u00e9pendance ni diminuer la motivation. Greg souligne \u00e9galement le contexte actuel, o\u00f9 les m\u00e9dias sociaux et certains comportements ax\u00e9s sur le risque peuvent influencer les d\u00e9cisions d\u2019investissement, ce qui renforce la n\u00e9cessit\u00e9 d\u2019un encadrement r\u00e9fl\u00e9chi.<\/p>\n<p>Il insiste sur l\u2019importance de mettre en place des strat\u00e9gies de transfert intentionnelles qui \u00e9quilibrent les possibilit\u00e9s offertes et la responsabilisation. Cela peut inclure l\u2019\u00e9tablissement d\u2019attentes claires, une exposition encadr\u00e9e au risque et l\u2019int\u00e9gration de l\u2019\u00e9ducation financi\u00e8re au processus. En d\u00e9finitive, un transfert de patrimoine efficace ne constitue pas une op\u00e9ration ponctuelle, mais un processus continu et int\u00e9gr\u00e9 qui aligne les valeurs familiales, pr\u00e9pare les futurs d\u00e9cideurs et soutient la p\u00e9rennit\u00e9 de l\u2019h\u00e9ritage.<\/p>\n<p>Lisez l\u2019article complet sur le site du <a href=\"https:\/\/financialpost.com\/personal-finance\/family-finance\/garry-marr-pros-cons-of-doling-out-inheritance\"><em>Financial Post<\/em><\/a>.<\/p>\n<\/div>\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><\/p>\n<\/blockquote>\n\n\n<div class=\"experts-carousel\">\n    <div class=\"wrapper\">\n        <span class=\"sup-title\">Pour d\u00e9couvrir comment nous pouvons vous accompagner, communiquez avec Greg Moore.<\/span>        <div class=\"tt-cta\">\n                        <a href=\"https:\/\/www.richter.ca\/fr\/nos-experts\/\" class=\"arrow-l\">Afficher tout<\/a>\n        <\/div>\n    <\/div>\n                <div class=\"experts wrapper slickCarouselCustom\">\n                    <a tabindex=\"-1\" class=\"carousel-item\" href=\"https:\/\/www.richter.ca\/fr\/nos-experts\/greg-moore\/\">\n                <div class=\"image\">\n                                        <img decoding=\"async\" src=\"https:\/\/richterca.tor1.digitaloceanspaces.com\/wp-content\/uploads\/2018\/09\/greg_moore_site-web-740-x-640-px.webp\" alt=\"\">\n                    <div class=\"content\">\n                        <h3>Greg Moore<\/h3>\n                        <div class=\"ql\">CFA<\/div>\n                    <\/div>\n                <\/div>\n            <\/a>\n                <\/div>\n    <\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>D\u00e9couvrez les avantages et risques de transmettre un h\u00e9ritage de son vivant, incluant fiscalit\u00e9, pr\u00e9paration de la rel\u00e8ve et p\u00e9rennit\u00e9 du patrimoine.<\/p>\n","protected":false},"featured_media":30733,"template":"","insights-type":[1395,1356],"class_list":["post-30734","insights","type-insights","status-publish","has-post-thumbnail","hentry","insights-type-investissement","insights-type-planification-de-la-transition-et-de-la-succession"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - 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