{"id":111,"date":"2024-04-02T20:52:07","date_gmt":"2024-04-02T20:52:07","guid":{"rendered":"http:\/\/ericroy.ca\/?page_id=111"},"modified":"2024-07-12T03:22:10","modified_gmt":"2024-07-12T03:22:10","slug":"fonds-distincts","status":"publish","type":"page","link":"https:\/\/ericroy.ca\/fr\/fonds-distincts\/","title":{"rendered":"Fonds distincts"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"111\" class=\"elementor elementor-111\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8dc7f01 elementor-section-content-space-evenly elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8dc7f01\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-37e989d\" data-id=\"37e989d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bd827a0 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"bd827a0\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInDown&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Fonds distincts<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b3a3387 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"b3a3387\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>Qu'est-ce qu'un fonds distinct ?\u00a0<\/h3><p>Les fonds distincts sont des produits d'investissement propos\u00e9s par les compagnies d'assurance qui combinent le potentiel de croissance des fonds communs de placement et la s\u00e9curit\u00e9 des garanties d'assurance. Ces fonds offrent une vari\u00e9t\u00e9 de solutions d'investissement avec diff\u00e9rents niveaux de garanties, soit \u00e0 l'\u00e9ch\u00e9ance, soit au d\u00e9c\u00e8s. Les garanties prot\u00e8gent g\u00e9n\u00e9ralement une partie de l'investissement initial, assurant qu'un pourcentage sp\u00e9cifi\u00e9 est restitu\u00e9 \u00e0 l'investisseur ou \u00e0 ses b\u00e9n\u00e9ficiaires, quelle que soit l'\u00e9volution du march\u00e9.<\/p><h3>Principales caract\u00e9ristiques des fonds distincts<\/h3><ol><li><p><strong>Croissance des investissements :<\/strong> Comme les fonds communs de placement, les fonds distincts investissent dans un portefeuille diversifi\u00e9 d'actifs, offrant ainsi un potentiel de croissance.<\/p><\/li><li><p><strong>Garanties d'assurance :<\/strong> Ils sont assortis de garanties \u00e0 l'\u00e9ch\u00e9ance et\/ou en cas de d\u00e9c\u00e8s, garantissant g\u00e9n\u00e9ralement 75% \u00e0 100% de l'investissement initial.<\/p><\/li><li><p><strong>Protection des cr\u00e9anciers :<\/strong> Dans certaines situations, les fonds distincts peuvent offrir une protection contre les cr\u00e9anciers, ce qui en fait une option int\u00e9ressante pour les propri\u00e9taires d'entreprise et les professionnels.<\/p><\/li><li><p><strong>Avantages de la planification successorale :<\/strong> En cas de d\u00e9c\u00e8s, le produit des fonds distincts peut \u00e9viter l'homologation et \u00eatre vers\u00e9 directement aux b\u00e9n\u00e9ficiaires, ce qui garantit un transfert d'actifs plus rapide et plus harmonieux.<\/p><\/li><li><p><strong>Vari\u00e9t\u00e9 d'options :<\/strong> Les investisseurs peuvent choisir parmi une gamme de fonds distincts qui correspondent \u00e0 leur tol\u00e9rance au risque, \u00e0 leurs objectifs de placement et \u00e0 leur horizon temporel.<\/p><\/li><\/ol><h3>\u00a0<\/h3>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-080ba20 elementor-mobile-align-center elementor-align-center elementor-invisible elementor-widget elementor-widget-button\" data-id=\"080ba20\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md elementor-animation-float\" href=\"\/fr\/contactez-nous\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Commencez<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-8346f07\" data-id=\"8346f07\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4192e79 elementor-widget__width-initial elementor-absolute elementor-invisible elementor-widget elementor-widget-image\" data-id=\"4192e79\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInRight&quot;,&quot;_position&quot;:&quot;absolute&quot;,&quot;motion_fx_motion_fx_scrolling&quot;:&quot;yes&quot;,&quot;motion_fx_translateY_effect&quot;:&quot;yes&quot;,&quot;motion_fx_translateY_direction&quot;:&quot;negative&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;,&quot;motion_fx_translateY_speed&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:4,&quot;sizes&quot;:[]},&quot;motion_fx_translateY_affectedRange&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:{&quot;start&quot;:0,&quot;end&quot;:100}},&quot;motion_fx_devices&quot;:[&quot;desktop&quot;,&quot;tablet&quot;,&quot;mobile&quot;]}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"136\" height=\"136\" data-src=\"https:\/\/ericroy.ca\/wp-content\/uploads\/2024\/05\/icon-circle.png\" class=\"attachment-large size-large wp-image-551 lazyload\" alt=\"\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 136px; --smush-placeholder-aspect-ratio: 136\/136;\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e8144a5 elementor-widget__width-initial elementor-absolute elementor-invisible elementor-widget elementor-widget-image\" data-id=\"e8144a5\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInRight&quot;,&quot;_position&quot;:&quot;absolute&quot;,&quot;motion_fx_motion_fx_scrolling&quot;:&quot;yes&quot;,&quot;motion_fx_translateX_effect&quot;:&quot;yes&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;,&quot;motion_fx_translateX_speed&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:4,&quot;sizes&quot;:[]},&quot;motion_fx_translateX_affectedRange&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:{&quot;start&quot;:0,&quot;end&quot;:100}},&quot;motion_fx_devices&quot;:[&quot;desktop&quot;,&quot;tablet&quot;,&quot;mobile&quot;]}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"132\" height=\"192\" data-src=\"https:\/\/ericroy.ca\/wp-content\/uploads\/2024\/05\/dots.png\" class=\"attachment-large size-large wp-image-545 lazyload\" alt=\"\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 132px; --smush-placeholder-aspect-ratio: 132\/192;\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ea57328 elementor-absolute elementor-widget elementor-widget-spacer\" data-id=\"ea57328\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;,&quot;motion_fx_motion_fx_scrolling&quot;:&quot;yes&quot;,&quot;motion_fx_translateX_effect&quot;:&quot;yes&quot;,&quot;motion_fx_translateX_direction&quot;:&quot;negative&quot;,&quot;motion_fx_translateX_affectedRange&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:{&quot;start&quot;:0,&quot;end&quot;:47}},&quot;motion_fx_opacity_effect&quot;:&quot;yes&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;,&quot;motion_fx_translateX_speed&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:4,&quot;sizes&quot;:[]},&quot;motion_fx_opacity_direction&quot;:&quot;out-in&quot;,&quot;motion_fx_opacity_level&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]},&quot;motion_fx_opacity_range&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:{&quot;start&quot;:20,&quot;end&quot;:80}},&quot;motion_fx_devices&quot;:[&quot;desktop&quot;,&quot;tablet&quot;,&quot;mobile&quot;]}\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-55481aa elementor-absolute elementor-widget elementor-widget-spacer\" data-id=\"55481aa\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;,&quot;motion_fx_motion_fx_scrolling&quot;:&quot;yes&quot;,&quot;motion_fx_translateY_effect&quot;:&quot;yes&quot;,&quot;motion_fx_translateY_direction&quot;:&quot;negative&quot;,&quot;motion_fx_translateY_affectedRange&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:{&quot;start&quot;:36,&quot;end&quot;:75}},&quot;motion_fx_opacity_effect&quot;:&quot;yes&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;,&quot;motion_fx_translateY_speed&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:4,&quot;sizes&quot;:[]},&quot;motion_fx_opacity_direction&quot;:&quot;out-in&quot;,&quot;motion_fx_opacity_level&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]},&quot;motion_fx_opacity_range&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:{&quot;start&quot;:20,&quot;end&quot;:80}},&quot;motion_fx_devices&quot;:[&quot;desktop&quot;,&quot;tablet&quot;,&quot;mobile&quot;]}\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cb3d70e elementor-invisible elementor-widget elementor-widget-image\" data-id=\"cb3d70e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInRight&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1000\" height=\"1000\" src=\"https:\/\/ericroy.ca\/wp-content\/uploads\/2024\/07\/Segregated-Funds.png\" class=\"attachment-full size-full wp-image-1370\" alt=\"\" srcset=\"https:\/\/ericroy.ca\/wp-content\/uploads\/2024\/07\/Segregated-Funds.png 1000w, https:\/\/ericroy.ca\/wp-content\/uploads\/2024\/07\/Segregated-Funds-300x300.png 300w, https:\/\/ericroy.ca\/wp-content\/uploads\/2024\/07\/Segregated-Funds-150x150.png 150w, https:\/\/ericroy.ca\/wp-content\/uploads\/2024\/07\/Segregated-Funds-768x768.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1da7372 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"1da7372\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-2435591 elementor-hidden-mobile\" data-id=\"2435591\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;,&quot;motion_fx_motion_fx_scrolling&quot;:&quot;yes&quot;,&quot;motion_fx_translateY_effect&quot;:&quot;yes&quot;,&quot;motion_fx_translateY_direction&quot;:&quot;negative&quot;,&quot;motion_fx_translateY_affectedRange&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:{&quot;start&quot;:40,&quot;end&quot;:100}},&quot;motion_fx_translateY_speed&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:4,&quot;sizes&quot;:[]},&quot;motion_fx_devices&quot;:[&quot;desktop&quot;,&quot;tablet&quot;,&quot;mobile&quot;]}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a9ef512 elementor-widget elementor-widget-spacer\" data-id=\"a9ef512\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;motion_fx_motion_fx_scrolling&quot;:&quot;yes&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;,&quot;motion_fx_devices&quot;:[&quot;desktop&quot;,&quot;tablet&quot;,&quot;mobile&quot;]}\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-b34bf47\" data-id=\"b34bf47\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-8deac72 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8deac72\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-9626a95 elementor-invisible\" data-id=\"9626a95\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_delay&quot;:300}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0328fef elementor-widget elementor-widget-heading\" data-id=\"0328fef\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Types de fonds distincts<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3977381 elementor-widget elementor-widget-text-editor\" data-id=\"3977381\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ol>\n \t<li><strong>Fonds distincts d'actions :<\/strong>\n<ul>\n \t<li>Investir principalement dans des actions, en visant une croissance du capital \u00e0 long terme.<\/li>\n \t<li>Convient aux investisseurs ayant une tol\u00e9rance au risque plus \u00e9lev\u00e9e et un horizon d'investissement \u00e0 long terme.<\/li>\n<\/ul>\n<\/li>\n \t<li><strong>Fonds distincts \u00e0 revenu fixe :<\/strong>\n<ul>\n \t<li>Se concentrer sur les obligations et autres titres \u00e0 revenu fixe.<\/li>\n \t<li>Id\u00e9al pour les investisseurs \u00e0 la recherche d'un revenu stable et d'un risque moindre par rapport aux fonds d'actions.<\/li>\n<\/ul>\n<\/li>\n \t<li><strong>Fonds distincts \u00e9quilibr\u00e9s :<\/strong>\n<ul>\n \t<li>Combiner des investissements en actions et en obligations.<\/li>\n \t<li>Offrir une approche \u00e9quilibr\u00e9e, offrant un potentiel de croissance avec une volatilit\u00e9 r\u00e9duite.<\/li>\n<\/ul>\n<\/li>\n \t<li><strong>Fonds s\u00e9gr\u00e9gu\u00e9s du march\u00e9 mon\u00e9taire :<\/strong>\n<ul>\n \t<li>Investir dans des titres \u00e0 court terme et \u00e0 faible risque, tels que les bons du Tr\u00e9sor et les billets de tr\u00e9sorerie.<\/li>\n \t<li>Convient aux investisseurs prudents qui recherchent la liquidit\u00e9 et la pr\u00e9servation du capital.<\/li>\n<\/ul>\n<\/li>\n \t<li><strong>Fonds distincts sp\u00e9cialis\u00e9s :<\/strong>\n<ul>\n \t<li>Se concentrer sur des secteurs ou des th\u00e8mes sp\u00e9cifiques, tels que l'immobilier, la technologie ou la sant\u00e9.<\/li>\n \t<li>Permettre aux investisseurs de cibler des secteurs ou des tendances sp\u00e9cifiques.<\/li>\n<\/ul>\n<\/li>\n \t<li><strong>Fonds distincts mondiaux et internationaux :<\/strong>\n<ul>\n \t<li>Investir sur les march\u00e9s internationaux, offrant une exposition aux opportunit\u00e9s \u00e9conomiques mondiales.<\/li>\n \t<li>Id\u00e9al pour diversifier g\u00e9ographiquement les investissements.<\/li>\n<\/ul>\n<\/li>\n \t<li><strong>Fonds distincts de dividendes :<\/strong>\n<ul>\n \t<li>Investir dans des actions \u00e0 dividendes et viser un revenu r\u00e9gulier.<\/li>\n \t<li>Convient aux investisseurs qui recherchent une combinaison de revenus et de croissance.<\/li>\n<\/ul>\n<\/li>\n \t<li><strong>Fonds distincts \u00e0 date cible :<\/strong>\n<ul>\n \t<li>Con\u00e7u pour devenir plus prudent \u00e0 l'approche de la date cible (comme la retraite).<\/li>\n \t<li>Convient \u00e0 la planification \u00e0 long terme, en alignant les investissements sur un horizon temporel sp\u00e9cifique.<\/li>\n<\/ul>\n<\/li>\n \t<li><strong>Comptes d'investissement garantis (CIG) :<\/strong>\n<ul>\n \t<li>Ils se concentrent sur la pr\u00e9servation du capital tout en offrant un taux d'int\u00e9r\u00eat garanti.<\/li>\n \t<li>Convient aux investisseurs conservateurs \u00e0 la recherche de s\u00e9curit\u00e9 et de rendements r\u00e9guliers.<\/li>\n<\/ul>\n<\/li>\n \t<li><strong>Fonds distincts \u00e9thiques ou socialement responsables :<\/strong>\n<ul>\n \t<li>Investir dans des entreprises qui r\u00e9pondent \u00e0 certains crit\u00e8res \u00e9thiques, environnementaux ou sociaux.<\/li>\n \t<li>Id\u00e9al pour les investisseurs qui souhaitent aligner leurs investissements sur leurs valeurs.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d345a2 elementor-mobile-align-center elementor-align-center elementor-widget elementor-widget-button\" data-id=\"2d345a2\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/fr\/contactez-nous\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Nous contacter<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-e3b9a7e elementor-hidden-mobile\" data-id=\"e3b9a7e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7788b93 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7788b93\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-fa568d8\" data-id=\"fa568d8\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b20d5c7 elementor-widget elementor-widget-heading\" data-id=\"b20d5c7\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">FAQ sur les fonds distincts<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7d21646 elementor-invisible elementor-widget elementor-widget-toggle\" data-id=\"7d21646\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"toggle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1311\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1311\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-right\" viewbox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewbox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Quels sont les principaux avantages des fonds distincts ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1311\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1311\"><p>Les fonds distincts offrent une combinaison de potentiel de croissance des investissements et de garanties d'assurance, prot\u00e9geant une partie de votre investissement initial \u00e0 l'\u00e9ch\u00e9ance ou au d\u00e9c\u00e8s. Ils offrent \u00e9galement une protection contre les cr\u00e9anciers et peuvent \u00e9viter l'homologation, ce qui les rend avantageux pour la planification successorale.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1312\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1312\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-right\" viewbox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewbox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Comment fonctionnent les garanties des fonds distincts ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1312\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-1312\"><p>Les garanties assurent g\u00e9n\u00e9ralement la restitution de 75% \u00e0 100% de votre investissement initial, soit \u00e0 la date d'\u00e9ch\u00e9ance du fonds, soit \u00e0 votre d\u00e9c\u00e8s, quelle que soit l'\u00e9volution du march\u00e9. Ces garanties constituent un filet de s\u00e9curit\u00e9 pour votre investissement.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1313\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-1313\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-right\" viewbox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewbox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Les fonds distincts peuvent-ils \u00eatre inclus dans des r\u00e9gimes de retraite comme les REER ou les CELI ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1313\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-1313\"><p>Oui, les fonds distincts peuvent \u00eatre inclus dans des r\u00e9gimes enregistr\u00e9s tels que les r\u00e9gimes enregistr\u00e9s d'\u00e9pargne-retraite (REER) et les comptes d'\u00e9pargne libre d'imp\u00f4t (CELI), ce qui vous permet de b\u00e9n\u00e9ficier de leur statut fiscalement avantageux tout en profitant des avantages uniques des fonds distincts.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1314\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-1314\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-right\" viewbox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewbox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Les fonds distincts sont-ils plus chers que les fonds communs de placement ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1314\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-1314\"><p>Les fonds distincts ont souvent des frais plus \u00e9lev\u00e9s que les fonds communs de placement en raison des garanties d'assurance et des avantages suppl\u00e9mentaires qu'ils offrent. Il est important d'\u00e9valuer si la s\u00e9curit\u00e9 et les caract\u00e9ristiques suppl\u00e9mentaires justifient le co\u00fbt pour votre situation financi\u00e8re individuelle.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1315\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-1315\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-right\" viewbox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewbox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Que se passe-t-il si j'ai besoin d'acc\u00e9der \u00e0 mon argent avant la date d'\u00e9ch\u00e9ance ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1315\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-1315\">Vous pouvez g\u00e9n\u00e9ralement retirer de l'argent des fonds distincts avant la date d'\u00e9ch\u00e9ance, mais cela peut avoir une incidence sur les garanties. Certaines polices peuvent imposer des frais de retrait ou r\u00e9duire le montant garanti. Il est important de bien comprendre les modalit\u00e9s de votre police de fonds distincts avant d'effectuer des retraits.<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Fonds distincts Qu'est-ce qu'un fonds distinct ?  Les fonds distincts sont des produits d'investissement offerts par les compagnies d'assurance qui combinent le potentiel de croissance des fonds communs de placement et la s\u00e9curit\u00e9 des garanties d'assurance. Ces fonds offrent une vari\u00e9t\u00e9 de solutions d'investissement avec diff\u00e9rents niveaux de garanties, soit \u00e0 l'\u00e9ch\u00e9ance, soit au d\u00e9c\u00e8s. Les garanties prot\u00e8gent g\u00e9n\u00e9ralement une partie [...]<\/p>","protected":false},"author":49,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-111","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/ericroy.ca\/fr\/wp-json\/wp\/v2\/pages\/111","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ericroy.ca\/fr\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/ericroy.ca\/fr\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/ericroy.ca\/fr\/wp-json\/wp\/v2\/users\/49"}],"replies":[{"embeddable":true,"href":"https:\/\/ericroy.ca\/fr\/wp-json\/wp\/v2\/comments?post=111"}],"version-history":[{"count":0,"href":"https:\/\/ericroy.ca\/fr\/wp-json\/wp\/v2\/pages\/111\/revisions"}],"wp:attachment":[{"href":"https:\/\/ericroy.ca\/fr\/wp-json\/wp\/v2\/media?parent=111"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}