{"id":142782,"date":"2024-09-13T11:33:47","date_gmt":"2024-09-13T15:33:47","guid":{"rendered":"https:\/\/costasf.com\/?page_id=142782"},"modified":"2026-04-15T16:02:00","modified_gmt":"2026-04-15T20:02:00","slug":"rentes-et-retraite","status":"publish","type":"page","link":"https:\/\/costasf.com\/en\/rentes-et-retraite","title":{"rendered":"Rentes et Retraite"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><div data-parent=\"true\" class=\"vc_row has-bg need-focus style-accent-bg row-container has-dividers boomapps_vcrow\" id=\"row-unique-0\"><div class=\"row-background background-element\" style=\"opacity: 1;\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"background-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"background-inner\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"block-bg-overlay style-accent-bg\" style=\"opacity: 0.8;\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div><div class=\"uncode-divider-wrap uncode-divider-wrap-bottom z_index_2 uncode-row-divider-invert\" style=\"height: 200px;\" data-height=\"200\" data-unit=\"px\"><svg version=\"1.1\" class=\"uncode-row-divider uncode-row-divider-curve\" x=\"0px\" y=\"0px\" width=\"240px\" height=\"24px\" viewbox=\"0 0 240 24\" enable-background=\"new 0 0 240 24\" xml:space=\"preserve\" preserveaspectratio=\"none\">\n\t\t<path fill=\"#ffffff\" d=\"M0,0v14.182c3.124-1.22,6.56-2.13,10.27-2.708c17.499-2.73,24.44,5.98,43.547,11.129\t\t\tC80.628,29.842,93.06,3.44,117.158,3.44c22.631,0,40.458,26.955,65.074,18.553c14.645-5.021,19.015-13.912,39.855-17.623\t\t\tc7.049-1.25,12.926-1.79,17.912-1.02V0\"\/>\n\t\t<path fill=\"#ffffff\" fill-opacity=\"0.33\" d=\"M0,0v13.372c3.764-0.791,7.63-1.391,10.323-1.801\t\t\tc17.298-2.74,24.341,5.98,47.129,11.132C89.473,29.934,92.539,4.58,118.224,4.58c24.092,0,45.193,22.971,67.344,14.572\t\t\tc13.188-5.021,19.053-13.632,39.426-17.354C230.469,0.81,235.387,0.3,240,0.48V0\"\/>\n\t\t<path fill=\"#ffffff\" fill-opacity=\"0.33\" d=\"M0,0v18.102c4.434-2.317,9.751-4,15.885-4.869c17.067-2.378,23.832,5.16,42.482,9.621\t\t\tC84.5,29.109,96.594,6.26,120.117,6.26c22.078,0,39.531,23.332,63.539,16.063c14.271-4.341,18.572-12.032,38.865-15.242\t\t\tC229.402,5.98,235.171,5.55,240,6.19V0\"\/>\n\t\t<\/svg><\/div><div class=\"row col-double-gutter triple-top-padding penta-bottom-padding single-h-padding limit-width row-parent\" data-height-ratio=\"85\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_left align_center_mobile column_parent col-lg-6 boomapps_vccolumn col-md-50 single-internal-gutter\"><div class=\"uncol style-spec style-dark\"  ><div class=\"uncoltable\"><div class=\"uncell  boomapps_vccolumn no-block-padding\" ><div class=\"uncont\" ><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text zoom-in animate_when_almost_visible\" data-delay=\"200\"><h3 class=\"fontsize-155944\" ><span>Annuities and Retirement<\/span><\/h3><\/div><div class=\"clear\"><\/div><\/div><div class=\"uncode_text_column text-lead bottom-t-top animate_when_almost_visible\" data-delay=\"300\"><\/p>\n<h3><strong>Live your dreams fully and enjoy every moment.<\/strong><\/h3>\n<p>\n<\/div><\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column pos-middle pos-center align_left column_parent col-lg-6 boomapps_vccolumn col-md-50 single-internal-gutter\"><div class=\"uncol style-spec style-dark animate_when_almost_visible zoom-out\"  data-delay=\"200\"><div class=\"uncoltable\"><div class=\"uncell  boomapps_vccolumn no-block-padding    parallax-el\" data-rellax-percentage=\"0.5\" data-rellax-speed=\"2\"><div class=\"uncont\" ><div class=\"uncode-single-media  text-left\"><div class=\"single-wrapper\" style=\"max-width: 100%;\"><div class=\"tmb tmb-light  tmb-img-ratio tmb-media-first tmb-media-last tmb-content-overlay tmb-no-bg\"><div class=\"t-inside\"><div class=\"t-entry-visual\"><div class=\"t-entry-visual-tc\"><div class=\"uncode-single-media-wrapper\"><div class=\"dummy\" style=\"padding-top: 100%;\"><\/div><img decoding=\"async\" class=\"wp-image-142835\" src=\"https:\/\/costasf.com\/wp-content\/uploads\/2024\/09\/iStock-2078471681-scaled-uai-1707x1707.jpg\" width=\"1707\" height=\"1707\" alt=\"\" srcset=\"https:\/\/costasf.com\/wp-content\/uploads\/2024\/09\/iStock-2078471681-scaled-uai-1707x1707.jpg 1707w, https:\/\/costasf.com\/wp-content\/uploads\/2024\/09\/iStock-2078471681-150x150.jpg 150w, https:\/\/costasf.com\/wp-content\/uploads\/2024\/09\/iStock-2078471681-348x348.jpg 348w, https:\/\/costasf.com\/wp-content\/uploads\/2024\/09\/iStock-2078471681-scaled-uai-720x720.jpg 720w\" sizes=\"(max-width: 1707px) 100vw, 1707px\" \/><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><script id=\"script-row-unique-0\" data-row=\"script-row-unique-0\" type=\"text\/javascript\" class=\"vc_controls\">UNCODE.initRow(document.getElementById(\"row-unique-0\"));<\/script><\/div><\/div><\/div><div data-parent=\"true\" class=\"vc_row has-bg need-focus style-color-xsdn-bg row-container boomapps_vcrow\" id=\"row-unique-1\"><div class=\"row unequal col-no-gutter triple-top-padding single-bottom-padding single-h-padding limit-width row-parent\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_left column_parent col-lg-8 boomapps_vccolumn single-internal-gutter\"><div class=\"uncol style-light animate_when_almost_visible left-t-right\"  data-delay=\"100\"><div class=\"uncoltable\"><div class=\"uncell  boomapps_vccolumn single-block-padding style-accent-bg has-bg\" ><div class=\"uncont\" ><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h2 class=\"h2 font-weight-600 text-color-xsdn-color\" ><span>A New Chapter Begins<\/span><\/h2><\/div><div class=\"clear\"><\/div><\/div><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h2 class=\"custom fontheight-357766 fontspace-389486 font-weight-600 text-color-xsdn-color fontsize-116008-custom font-size-custom\" ><span>La transition vers la retraite est une \u00e9tape cruciale, car elle marque le passage d&rsquo;une vie active \u00e0 une p\u00e9riode de libert\u00e9, mais aussi de nouvelles responsabilit\u00e9s. C&rsquo;est un moment o\u00f9 une planification minutieuse est essentielle pour s&rsquo;assurer que les ressources financi\u00e8res, les habitudes de vie et les objectifs personnels sont align\u00e9s avec vos aspirations \u00e0 long terme.<\/span><\/h2><\/div><div class=\"clear\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column pos-middle pos-center align_left column_parent col-lg-4 boomapps_vccolumn single-internal-gutter\"><div class=\"uncol style-light animate_when_almost_visible right-t-left\"  data-delay=\"200\"><div class=\"uncoltable\"><div class=\"uncell  boomapps_vccolumn single-block-padding style-color-wayh-bg has-bg\" ><div class=\"uncont\" ><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h2 class=\"h2 text-color-xsdn-color\" ><i><span>Saviez-vous que&#8230;<\/span><\/i><\/h2><\/div><div class=\"clear\"><\/div><\/div><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h2 class=\"h5 fontspace-389486 text-color-xsdn-color\" ><span>According to a CIBC survey:<\/p><\/span><span><ul><\/span><span><li>90% of Canadians who are not retired or semi-retired have not established an official and detailed plan outlining the lifestyle they wish to maintain in retirement.<\/li><\/span><span><\/ul><\/span><span><p>&nbsp;<\/p><\/span><span><ul><\/span><span><li>53% of Canadians are unsure whether they are saving enough.<\/li><\/span><span><\/ul><\/span><span><p>&nbsp;<\/p><\/span><span><ul><\/span><span><li>37% of Canadians are unable to save or have not given thought to retirement.<\/li><\/span><span><\/ul><\/span><span><p><\/span><\/h2><\/div><div class=\"clear\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><script id=\"script-row-unique-1\" data-row=\"script-row-unique-1\" type=\"text\/javascript\" class=\"vc_controls\">UNCODE.initRow(document.getElementById(\"row-unique-1\"));<\/script><\/div><\/div><\/div><div data-parent=\"true\" class=\"vc_row row-container boomapps_vcrow\" id=\"row-unique-2\"><div class=\"row unequal col-double-gutter single-top-padding single-bottom-padding single-h-padding limit-width row-parent\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-middle pos-left align_left column_parent col-lg-12 boomapps_vccolumn half-internal-gutter\"><div class=\"uncol style-light\"  ><div class=\"uncoltable\"><div class=\"uncell  boomapps_vccolumn\" ><div class=\"uncont no-block-padding col-custom-width\" style=\" max-width:900px;\" ><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text left-t-right animate_when_almost_visible\" data-delay=\"200\"><h3 class=\"fontsize-155944\" ><span>Annuities<\/span><\/h3><\/div><div class=\"clear\"><\/div><\/div><div class=\"uncode_text_column text-lead left-t-right animate_when_almost_visible\" data-delay=\"200\"><p><span style=\"color: #383838;\">An annuity is a retirement income product that guarantees regular and stable payments in exchange for an initial lump sum. You can choose an annuity that provides payments for a predetermined period (term-certain annuity) or an annuity that provides payments for life, with a guarantee until death (life annuity).<\/span><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><script id=\"script-row-unique-2\" data-row=\"script-row-unique-2\" type=\"text\/javascript\" class=\"vc_controls\">UNCODE.initRow(document.getElementById(\"row-unique-2\"));<\/script><\/div><\/div><\/div><div data-parent=\"true\" class=\"vc_row test-three has-bg need-focus style-color-xsdn-bg row-container boomapps_vcrow\" id=\"row-unique-3\"><div class=\"row single-top-padding double-bottom-padding single-h-padding limit-width row-parent\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_left column_parent col-lg-12 boomapps_vccolumn single-internal-gutter\"><div class=\"uncol style-light animate_when_almost_visible zoom-out\"  data-delay=\"200\"><div class=\"uncoltable\"><div class=\"uncell  boomapps_vccolumn\" ><div class=\"uncont single-block-padding col-custom-width style-color-xsdn-bg has-bg unshadow-xl unradius-std\" style=\" max-width:900px;\" ><div class=\"uncode-accordion wpb_accordion wpb_content_element  plus-signed sign-size-md default-typography w-border no-content-border\" data-collapsible=\"no\" data-target=\"\" data-active-tab=\"0\" data-a-classes=\"single-block-padding no-h-padding\" >\n\t\t<div class=\"panel-group wpb_wrapper wpb_accordion_wrapper\" id=\"accordion_1894233584\" data-no-toggle=\"1\">\n\n<div class=\"panel panel-default wpb_accordion_section group  single-block-padding has-padding no-h-padding\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title h5 font-weight-600 text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_1894233584\" href=\"#1671541890-1-6216728529668951715764968962\" class=\"single-block-padding no-h-padding\"><span>Term-certain annuity<\/span><\/a><\/p><\/div><div id=\"1671541890-1-6216728529668951715764968962\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter no-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p><span style=\"color: #383838;\">A term-certain annuity guarantees a minimum income over a defined period, offering a way to spread your retirement savings over a set timeframe without having to manage investments.<\/span><\/p>\n<p><span style=\"color: #383838;\">The annuity payment amount is guaranteed and determined in advance, taking into account factors such as the initial capital, prevailing interest rates, and the duration of the annuity.<\/span><\/p>\n<p><span style=\"color: #383838;\">If the funds used to purchase the annuity come from an RRIF or an RRSP, the annuity must provide income at least until age 90.<\/span><\/p>\n<p><span style=\"color: #383838;\">Payments are made for the full duration of the contract, and if you pass away before the end of the term, your beneficiaries will continue to receive the payments until the contract expires. Once the annuity period ends, payments stop and the contract terminates.<\/span><\/p>\n<\/div><\/div><\/div><\/div><div class=\"panel panel-default wpb_accordion_section group  single-block-padding has-padding no-h-padding\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title h5 font-weight-600 text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_1894233584\" href=\"#1671541890-2-7416728529668951715764968962\" class=\"single-block-padding no-h-padding\"><span>Life annuity<\/span><\/a><\/p><\/div><div id=\"1671541890-2-7416728529668951715764968962\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter no-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p><span style=\"color: #383838;\">By choosing a life annuity, you gain peace of mind by securing a fixed income for life, without having to worry about managing investments.<\/span><\/p>\n<p><span style=\"color: #383838;\">Payments continue until your death, unless death occurs before the end of the guaranteed period selected. In that case, your beneficiaries will continue to receive payments until the end of the guaranteed period.<\/span><\/p>\n<\/div><\/div><\/div><\/div><div class=\"panel panel-default wpb_accordion_section group  single-block-padding has-padding no-h-padding\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title h5 font-weight-600 text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_1894233584\" href=\"#1671542087726-2-116728529668951715764968962\" class=\"single-block-padding no-h-padding\"><span>Joint and survivor life annuity<\/span><\/a><\/p><\/div><div id=\"1671542087726-2-116728529668951715764968962\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter no-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p><span style=\"color: #383838;\">Also known as a joint annuity, this type of life annuity guarantees a fixed income for life for you and your spouse. You will receive fixed payments for the duration of your lifetime.<\/span><\/p>\n<p><span style=\"color: #383838;\">If you pass away before your partner, we will continue to pay them either the full annuity amount or a percentage of it, depending on the option chosen, for the remainder of their lifetime.<\/span><\/p>\n<\/div><\/div><\/div><\/div><div class=\"panel panel-default wpb_accordion_section group  single-block-padding has-padding no-h-padding\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title h5 font-weight-600 text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_1894233584\" href=\"#292da2c4-9bc3-616728529668951715764968962\" class=\"single-block-padding no-h-padding\"><span>Immediate annuity<\/span><\/a><\/p><\/div><div id=\"292da2c4-9bc3-616728529668951715764968962\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter no-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p><span style=\"color: #383838;\">Payments begin shortly after the annuity is purchased, typically within the following year. It is often used to generate income quickly\u2014such as at retirement\u2014by converting a lump sum directly into regular payments.<\/span><\/p>\n<\/div><\/div><\/div><\/div><div class=\"panel panel-default wpb_accordion_section group  single-block-padding has-padding no-h-padding\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title h5 font-weight-600 text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_1894233584\" href=\"#b2da8cd6-4d15-81715764968962\" class=\"single-block-padding no-h-padding\"><span>Deferred annuity<\/span><\/a><\/p><\/div><div id=\"b2da8cd6-4d15-81715764968962\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter no-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p><span style=\"color: #383838;\">Payments begin at a future date, sometimes several years after the annuity is purchased. This type of annuity allows savings to grow before income payments start. It is often used in long-term retirement planning, when income is intended to begin later, such as at an older age.<\/span><\/p>\n<\/div><\/div><\/div><\/div>\n\t\t<\/div><\/div><\/div><\/div><\/div><\/div><\/div><script id=\"script-row-unique-3\" data-row=\"script-row-unique-3\" type=\"text\/javascript\" class=\"vc_controls\">UNCODE.initRow(document.getElementById(\"row-unique-3\"));<\/script><\/div><\/div><\/div><div data-parent=\"true\" class=\"vc_row has-bg need-focus style-accent-bg row-container boomapps_vcrow\" id=\"row-unique-4\"><div class=\"row col-half-gutter double-top-padding single-bottom-padding single-h-padding full-width row-parent\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-justify pos-center align_center column_parent col-lg-3 boomapps_vccolumn col-md-50 double-internal-gutter\"><div class=\"uncol style-light animate_when_almost_visible zoom-in\"  data-delay=\"100\" data-speed=\"800\"><div class=\"uncoltable\"><div class=\"uncell  boomapps_vccolumn double-block-padding style-color-xsdn-bg has-bg unshadow-std\" ><div class=\"uncont\" ><div class=\"vc_row row-internal row-container boomapps_vcrow\"><div class=\"row row-child\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-12 boomapps_vccolumn half-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell  boomapps_vccolumn no-block-padding\" ><div class=\"uncont\" ><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h2 class=\"h2\" ><span>LIF<\/span><\/h2><\/div><div class=\"clear\"><\/div><\/div><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h2 class=\"h5 font-weight-700 text-accent-color\" ><span>Life Income Fund<\/span><\/h2><\/div><div class=\"clear\"><\/div><\/div><div class=\"uncode_text_column text-lead\" ><p><span style=\"color: #383838;\">A LIF is a registered fund that allows you to extend the benefits of your locked-in retirement account (LIRA) or your employer-sponsored pension plan. Funds transferred into a LIF benefit from tax deferral and can be withdrawn to generate retirement income.<\/span><\/p>\n<p><span style=\"color: #383838;\">A LIF is similar to a RRIF, with one key difference: you cannot withdraw more than the maximum amount permitted each year.<\/span><\/p>\n<p><span style=\"color: #383838;\">You must transfer the funds from your LIRA to a LIF no later than December 31 of the year in which you turn 71.<\/span><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><span class=\"btn-container\" ><a role=\"button\"  href=\"https:\/\/costasf.com\/en\/reservations\/\" class=\"custom-link btn border-width-0 btn-default btn-icon-left\" title=\"Book an appointment\">Book an appointment<\/a><\/span><\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column pos-justify pos-center align_center column_parent col-lg-3 boomapps_vccolumn col-md-50 double-internal-gutter\"><div class=\"uncol style-light animate_when_almost_visible zoom-in\"  data-delay=\"200\" data-speed=\"800\"><div class=\"uncoltable\"><div class=\"uncell  boomapps_vccolumn double-block-padding style-color-xsdn-bg has-bg unshadow-std\" ><div class=\"uncont\" ><div class=\"vc_row row-internal row-container boomapps_vcrow\"><div class=\"row row-child\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-12 boomapps_vccolumn half-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell  boomapps_vccolumn no-block-padding\" ><div class=\"uncont\" ><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h2 class=\"h2\" ><span>LIRA<\/span><\/h2><\/div><div class=\"clear\"><\/div><\/div><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h2 class=\"h5 font-weight-700 text-accent-color\" ><span>Locked-In Retirement Account<\/span><\/h2><\/div><div class=\"clear\"><\/div><\/div><div class=\"uncode_text_column text-lead\" ><p><span style=\"color: #383838;\">A LIRA is an account designed to hold funds transferred from a former employer\u2019s pension plan into an individual, tax-sheltered retirement vehicle. Generally, contributions are not permitted, and withdrawals are not allowed until retirement age.<\/span><\/p>\n<p><span style=\"color: #383838;\">You may hold a LIRA until December 31 of the year in which you turn 71. After that, you must convert your LIRA into a LIF.<\/span><\/p>\n<p><span style=\"color: #383838;\">Upon your death, your LIRA is automatically transferred to your spouse.<\/span><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><span class=\"btn-container\" ><a role=\"button\"  href=\"https:\/\/costasf.com\/en\/reservations\/\" class=\"custom-link btn border-width-0 btn-default btn-icon-left\" title=\"Book an appointment\">Book an appointment<\/a><\/span><\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column pos-justify pos-center align_center column_parent col-lg-3 boomapps_vccolumn col-md-50 col-md-clear double-internal-gutter\"><div class=\"uncol style-light animate_when_almost_visible zoom-in\"  data-delay=\"300\" data-speed=\"800\"><div class=\"uncoltable\"><div class=\"uncell  boomapps_vccolumn double-block-padding style-color-xsdn-bg has-bg unshadow-std\" ><div class=\"uncont\" ><div class=\"vc_row row-internal row-container boomapps_vcrow\"><div class=\"row row-child\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-12 boomapps_vccolumn single-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell  boomapps_vccolumn no-block-padding\" ><div class=\"uncont\" ><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h2 class=\"h2\" ><span>RRIF<\/span><\/h2><\/div><div class=\"clear\"><\/div><\/div><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h2 class=\"h5 font-weight-700 text-accent-color\" ><span>Registered Retirement Income Fund<\/span><\/h2><\/div><div class=\"clear\"><\/div><\/div><div class=\"uncode_text_column text-lead\" ><p><span style=\"color: #383838;\">A RRIF is designed to provide regular income in retirement. It allows individuals to transfer funds accumulated in an RRSP and convert them into regular payments, while continuing to benefit from tax-deferred growth.<\/span><\/p>\n<p><span style=\"color: #383838;\">Withdrawals from a RRIF are taxed as ordinary income, and a minimum withdrawal amount is required each year\u2014or monthly if preferred\u2014but there is no maximum withdrawal limit, unlike a LIF. Additional contributions are not permitted once a RRIF has been established.<\/span><\/p>\n<p><span style=\"color: #383838;\">An RRSP must be converted into a RRIF no later than December 31 of the year in which you turn 71.<\/span><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><span class=\"btn-container\" ><a role=\"button\"  href=\"https:\/\/costasf.com\/en\/reservations\/\" class=\"custom-link btn border-width-0 btn-default btn-icon-left\" title=\"Book an appointment\">Book an appointment<\/a><\/span><\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column pos-justify pos-center align_center column_parent col-lg-3 boomapps_vccolumn col-md-50 col-md-clear double-internal-gutter\"><div class=\"uncol style-light animate_when_almost_visible zoom-in\"  data-delay=\"400\" data-speed=\"800\"><div class=\"uncoltable\"><div class=\"uncell  boomapps_vccolumn double-block-padding style-color-xsdn-bg has-bg unshadow-std\" ><div class=\"uncont\" ><div class=\"vc_row row-internal row-container boomapps_vcrow\"><div class=\"row row-child\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-12 boomapps_vccolumn half-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell  boomapps_vccolumn no-block-padding\" ><div class=\"uncont\" ><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h2 class=\"h2\" ><span>IPP<\/span><\/h2><\/div><div class=\"clear\"><\/div><\/div><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h2 class=\"h5 font-weight-700 text-accent-color\" ><span>Individual Pension Plan<\/span><\/h2><\/div><div class=\"clear\"><\/div><\/div><div class=\"uncode_text_column text-lead\" ><p><span style=\"color: #383838;\">An IPP is designed specifically for self-employed individuals, business owners, and senior executives. This plan is funded by the company and established for your benefit. Employees who are related to you, including immediate family members, may also participate.<\/span><\/p>\n<p><span style=\"color: #383838;\">An IPP is a defined benefit plan, meaning the amount of your retirement pension is guaranteed and known in advance.<\/span><\/p>\n<p><span style=\"color: #383838;\">Savings are tax-sheltered.<\/span><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><span class=\"btn-container\" ><a role=\"button\"  href=\"https:\/\/costasf.com\/en\/reservations\/\" class=\"custom-link btn border-width-0 btn-default btn-icon-left\" title=\"Book an appointment\">Book an appointment<\/a><\/span><\/div><\/div><\/div><\/div><\/div><script id=\"script-row-unique-4\" data-row=\"script-row-unique-4\" type=\"text\/javascript\" class=\"vc_controls\">UNCODE.initRow(document.getElementById(\"row-unique-4\"));<\/script><\/div><\/div><\/div><div data-parent=\"true\" class=\"vc_row has-bg need-focus style-accent-bg row-container onepage-section has-dividers 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single-top-padding single-bottom-padding single-h-padding full-width row-parent\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-middle pos-center align_center column_parent col-lg-12 boomapps_vccolumn double-internal-gutter\"><div class=\"uncol style-spec style-dark\"  ><div class=\"uncoltable\"><div class=\"uncell  boomapps_vccolumn no-block-padding\" ><div class=\"uncont\" ><div class=\"uncode-single-media  text-center animate_when_almost_visible bottom-t-top\"><div class=\"single-wrapper\" style=\"max-width: 600px;\"><div class=\"tmb tmb-light  tmb-shadowed tmb-shadowed-lg tmb-media-first tmb-media-last tmb-content-overlay tmb-no-bg\"><div class=\"t-inside\"><div class=\"t-entry-visual\"><div class=\"t-entry-visual-tc\"><div class=\"uncode-single-media-wrapper\"><img decoding=\"async\" class=\"wp-image-145211\" src=\"https:\/\/costasf.com\/wp-content\/uploads\/2026\/01\/Bareme-retrait-FERR-EN.png\" width=\"2000\" height=\"2500\" alt=\"\" srcset=\"https:\/\/costasf.com\/wp-content\/uploads\/2026\/01\/Bareme-retrait-FERR-EN.png 2000w, https:\/\/costasf.com\/wp-content\/uploads\/2026\/01\/Bareme-retrait-FERR-EN-240x300.png 240w, https:\/\/costasf.com\/wp-content\/uploads\/2026\/01\/Bareme-retrait-FERR-EN-819x1024.png 819w, https:\/\/costasf.com\/wp-content\/uploads\/2026\/01\/Bareme-retrait-FERR-EN-768x960.png 768w, https:\/\/costasf.com\/wp-content\/uploads\/2026\/01\/Bareme-retrait-FERR-EN-1229x1536.png 1229w, https:\/\/costasf.com\/wp-content\/uploads\/2026\/01\/Bareme-retrait-FERR-EN-1638x2048.png 1638w, https:\/\/costasf.com\/wp-content\/uploads\/2026\/01\/Bareme-retrait-FERR-EN-10x12.png 10w, https:\/\/costasf.com\/wp-content\/uploads\/2026\/01\/Bareme-retrait-FERR-EN-350x438.png 350w\" sizes=\"(max-width: 2000px) 100vw, 2000px\" \/><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><script id=\"script-row-unique-5\" data-row=\"script-row-unique-5\" type=\"text\/javascript\" class=\"vc_controls\">UNCODE.initRow(document.getElementById(\"row-unique-5\"));<\/script><\/div><\/div><\/div><div data-parent=\"true\" class=\"vc_row row-container boomapps_vcrow\" id=\"row-unique-6\"><div class=\"row single-top-padding single-bottom-padding triple-h-padding full-width row-parent\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_left column_parent col-lg-12 boomapps_vccolumn single-internal-gutter\"><div class=\"uncol style-light\"  ><div class=\"uncoltable\"><div class=\"uncell  boomapps_vccolumn no-block-padding\" ><div class=\"uncont\" ><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h2 class=\"h1\" ><span>Questions?<\/span><\/h2><\/div><div class=\"clear\"><\/div><\/div><span class=\"btn-container\" ><a role=\"button\"  href=\"https:\/\/costasf.com\/en\/contact\/\" class=\"custom-link btn btn-custom-typo font-139798 font-weight-800 text-initial fontspace-389486 border-width-0 btn-accent btn-shadow btn-shadow-std btn-icon-left\" title=\"Contact\">Contact me<\/a><\/span><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h2 class=\"custom fontspace-389486 fontsize-167643-custom font-size-custom\" ><span>D&rsquo;autres produits de placement qui pourraient vous int\u00e9resser:<\/span><\/h2><\/div><div class=\"clear\"><\/div><\/div><div class=\"uncode-wrapper uncode-list\" >\n<ul class=\"icons\">\n<li><i class=\"fa fa-circle-check text-accent-color\"><\/i><a href=\"https:\/\/costasf.com\/en\/epargne\/\">Savings<\/a><\/li>\n<li><i class=\"fa fa-circle-check text-accent-color\"><\/i><a href=\"http:\/\/costasf.com\/en\/placements\/\">Investments<\/a><\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div><\/div><\/div><script id=\"script-row-unique-6\" data-row=\"script-row-unique-6\" type=\"text\/javascript\" class=\"vc_controls\">UNCODE.initRow(document.getElementById(\"row-unique-6\"));<\/script><\/div><\/div><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"Rentes et retraiteVivez vos r\u00eaves pleinement et savourez chaque instant. Vers un nouveau chapitreLa transition vers la retraite est une [...]","protected":false},"author":1,"featured_media":143325,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"class_list":["post-142782","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/costasf.com\/en\/wp-json\/wp\/v2\/pages\/142782","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/costasf.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/costasf.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/costasf.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/costasf.com\/en\/wp-json\/wp\/v2\/comments?post=142782"}],"version-history":[{"count":73,"href":"https:\/\/costasf.com\/en\/wp-json\/wp\/v2\/pages\/142782\/revisions"}],"predecessor-version":[{"id":145696,"href":"https:\/\/costasf.com\/en\/wp-json\/wp\/v2\/pages\/142782\/revisions\/145696"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/costasf.com\/en\/wp-json\/wp\/v2\/media\/143325"}],"wp:attachment":[{"href":"https:\/\/costasf.com\/en\/wp-json\/wp\/v2\/media?parent=142782"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}