{"id":734,"date":"2022-09-14T09:11:32","date_gmt":"2022-09-14T13:11:32","guid":{"rendered":"https:\/\/www.vigilis.ca\/zone-conseils\/?p=734"},"modified":"2024-09-26T12:45:02","modified_gmt":"2024-09-26T16:45:02","slug":"maximiser-valeur-don","status":"publish","type":"post","link":"https:\/\/www.vigilis.ca\/zone-conseils\/maximiser-valeur-don\/","title":{"rendered":"Philanthropie : 4 strat\u00e9gies pour maximiser la valeur de vos dons"},"content":{"rendered":"

<\/h2>\n

Lorsque le d\u00e9sir de donner \u00e0 un organisme ou une fondation (publique ou priv\u00e9e) nous anime, il convient de privil\u00e9gier des strat\u00e9gies qui permettent de maximiser l\u2019efficacit\u00e9 du don pr\u00e9vu.<\/h2>\n

Pour ce faire, l\u2019assurance vie est un outil fort int\u00e9ressant car sa fiscalit\u00e9 lui permet d\u2019optimiser \u00e0 la fois le don ainsi que sa valeur nette.<\/h2>\n

<\/h3>\n

 <\/p>\n

Plusieurs strat\u00e9gies peuvent \u00eatre consid\u00e9r\u00e9es\u00a0par le philanthrope :<\/strong><\/h3>\n

<\/h2>\n

<\/h2>\n

Don d\u2019un nouveau contrat<\/strong><\/h2>\n

Sous cette strat\u00e9gie, le nouveau contrat est transf\u00e9r\u00e9 \u00e0 l\u2019organisme de bienfaisance. Il en devient alors propri\u00e9taire et b\u00e9n\u00e9ficiaire.<\/p>\n

Le donateur paiera les primes et recevra, annuellement (de son vivant), un re\u00e7u officiel pour don de bienfaisance. L\u2019organisme touchera la prestation vers\u00e9e lors du d\u00e9c\u00e8s du donateur.<\/p>\n

Don d\u2019un contrat existant <\/strong><\/h2>\n

Ici, le m\u00e9canisme reste sensiblement le m\u00eame, mais avec un contrat existant. L\u2019organisme pourrait \u00e9mettre un re\u00e7u officiel pour don de bienfaisance au montant de la juste valeur marchande du contrat au transfert (\u00e9valuation faite par un actuaire).<\/p>\n

Cette strat\u00e9gie est avantageuse si l\u2019on utilise un contrat de plus de 10 ans, ou encore un contrat de 3 \u00e0 10 ans dont le but initial n\u2019\u00e9tait pas le transfert de propri\u00e9t\u00e9 \u00e0 un organisme (documentation \u00e0 l\u2019appui).<\/p>\n

Le don sera trait\u00e9 comme une disposition aux fins fiscales. Ainsi, si la valeur de rachat du contrat est sup\u00e9rieure \u00e0 son prix de base rajust\u00e9, le donateur devra d\u00e9clarer cette diff\u00e9rence comme un revenu1<\/sup>.<\/p>\n

Nomination de l\u2019organisme de bienfaisance \u00e0 titre de b\u00e9n\u00e9ficiaire<\/strong><\/h2>\n

Un organisme de bienfaisance peut aussi \u00eatre\u00a0 nomm\u00e9 \u00e0 titre de b\u00e9n\u00e9ficiaire d\u2019un contrat d\u2019assurance. Le donateur ne b\u00e9n\u00e9ficiera toutefois d\u2019aucun avantage fiscal de son vivant.<\/p>\n

Au d\u00e9c\u00e8s de l\u2019assur\u00e9, la succession recevra un re\u00e7u officiel pour don de bienfaisance \u00e9quivalent \u00e0 la prestation vers\u00e9e par l\u2019assurance vie.<\/p>\n

Cette strat\u00e9gie a l\u2019avantage d\u2019\u00eatre plus flexible, les deux premi\u00e8res \u00e9tant consid\u00e9r\u00e9es comme un don irr\u00e9vocable.<\/p>\n

Remplacement de patrimoine<\/strong><\/h2>\n

Un donateur pourrait \u00e9galement souscrire une police d\u2019assurance vie comme strat\u00e9gie de remplacement de patrimoine, dans l\u2019intention de \u00ab\u00a0rembourser\u00a0\u00bb \u00e0 la succession les actifs dont il a fait don de son vivant.<\/p>\n

S\u2019il d\u00e9tient des sommes au sein d\u2019une compagnie de gestion, le traitement fiscal particulier du don philanthropique, de l\u2019assurance-vie et des soci\u00e9t\u00e9s (comme le taux d\u2019inclusion \u00e0 0%, le compte dividende capital, \u2026) peut maximiser la cr\u00e9ation de valeur pour tous les intervenants.<\/p>\n

Que ce soit personnellement, \u00e0 travers vos dons, ou professionnellement, lors d\u2019une consultation aupr\u00e8s d\u2019un client, en optimisant les strat\u00e9gies de donations, vous participerez activement \u00e0 l\u2019enrichissement de toute une soci\u00e9t\u00e9!\u00a0<\/strong><\/h2>\n

____<\/h2>\n

Vous avez le d\u00e9sir de donner au suivant efficacement?<\/strong><\/h2>\n

Par le biais de consultation, de mandats d\u2019\u00e9tude et de formations, les sp\u00e9cialistes du Centre d\u2019expertise de VIGILIS<\/a> peuvent vous accompagner dans l\u2019\u00e9laboration et l\u2019\u00e9valuation de strat\u00e9gies financi\u00e8res performantes int\u00e9grant l\u2019assurance. Pour en savoir plus, visitez le vigilis.ca\/centre-expertise.<\/a><\/strong><\/h3>\n

 <\/p>\n

1<\/sup><\/em> En vertu du paragraphe 148(7) de la LIR<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

Lorsque le d\u00e9sir de donner \u00e0 un organisme ou une fondation (publique ou priv\u00e9e) nous anime, il convient de privil\u00e9gier des strat\u00e9gies qui permettent de maximiser l\u2019efficacit\u00e9 du don pr\u00e9vu.
\nPour ce faire, l\u2019assurance vie est un outil fort int\u00e9ressant car sa fiscalit\u00e9 lui permet d\u2019optimiser \u00e0 la fois le don ainsi que sa valeur nette.<\/p>\n","protected":false},"author":2,"featured_media":864,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"full-width-content","footnotes":""},"categories":[4,28,3],"tags":[],"class_list":{"0":"post-734","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-cat-cpa","8":"category-medecins","9":"category-cat-particuliers","10":"entry"},"acf":[],"yoast_head":"\nPhilanthropie : 4 strat\u00e9gies pour maximiser la valeur de vos dons - VIGILIS - Zone conseils<\/title>\n<meta name=\"description\" content=\"Vous \u00eates philanthrope? 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