{"id":6867,"date":"2022-05-02T00:00:00","date_gmt":"2022-05-02T00:00:00","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/retraite\/testament-et-planification-successorale\/quest-ce-quune-fiducie\/"},"modified":"2024-02-23T20:08:28","modified_gmt":"2024-02-23T20:08:28","slug":"quest-ce-quune-fiducie","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/le-barbier-riche\/quest-ce-quune-fiducie\/","title":{"rendered":"Qu&rsquo;est-ce qu&rsquo;une fiducie ?"},"content":{"rendered":"<div class=\"wp-block-rbc-single-article-header\">\n\t<section class=\"section-grey cover pad-t-hlf\">\n\t\t<div class=\"section-inner w-half w-mob-full centered-margin cover section-grey pad-tb-0\">\n\t\t\t\t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/sujets\/protection-du-patrimoine\/\">\n\t\t\t\t\t\t\t<span>Protection du patrimoine<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<h1 class=\"mar-b-hlf mar-t-0 mob-pad-lr-hlf h2 has-black-color\">Qu&rsquo;est-ce qu&rsquo;une fiducie ?<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By David Chilton<\/p>\t\t\t\t\t<div class=\"featured-image-wrapper pos-rel\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"930\" height=\"620\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TD-59.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"Image d&#039;un homme d&#039;\u00e2ge m\u00fbr \u00e9gayant ses deux petits-enfants.\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TD-59.jpg 930w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TD-59.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TD-59.jpg?resize=768,512 768w\" sizes=\"auto, (max-width: 930px) 100vw, 930px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t<\/section>\n\t<div class=\"article mar-t-dbl\">\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner socials-section\">\n\t\t\t\t<div class=\"top-socials-bar mob-mar-b-hlf\">    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Qu&rsquo;est-ce qu&rsquo;une fiducie ? &#038;body=Bonjour, je pensais que cet article de RBC Mes finances d\u2019abord pourrait vous int\u00e9resser: https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/le-barbier-riche\/quest-ce-quune-fiducie\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Courriel        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/le-barbier-riche\/quest-ce-quune-fiducie\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copier l\u2019URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  <\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner w-half w-mob-full centered-margin pad-tb-0 mob-mar-t-hlf mob-mar-b\">\n\t\t\t\t<p class=\"cover-pub-line text-xs mar-b-hlf\">Published 2 mai 2022 \u2022 5 min de lecture<\/p>\t\t\t<\/div>\n\t\t<\/section>\n\t<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner w-half w-mob-full\" style=\"border-radius:0x\">\n<p><em>Cet article a \u00e9t\u00e9 publi\u00e9 \u00e0 l&rsquo;origine par <a href=\"https:\/\/www.rbcwealthmanagement.com\/fr-ca\/insights\/what-is-a-trust-the-wealthy-barber-explains\" target=\"_blank\" rel=\"noopener\"><em>RBC Gestion de patrimoine<\/em><\/a>.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Le saviez-vous ?<\/h2>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Il existe deux grands types de fiducies : l\u2019une est active de votre vivant, tandis que l\u2019autre entre en vigueur \u00e0 votre d\u00e9c\u00e8s.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Une fiducie vous permet de transmettre des biens \u00e0 des personnes ou \u00e0 des \u0153uvres de bienfaisance, tout en gardant un certain contr\u00f4le sur vos actifs.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Une fiducie peut durer des g\u00e9n\u00e9rations ; une soci\u00e9t\u00e9 de fiducie s\u2019occupe de servir les b\u00e9n\u00e9ficiaires actuels et futurs.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>Dans cette vid\u00e9o, David Chilton, auteur de deux livres \u00e0 succ\u00e8s sur la gestion financi\u00e8re personnelle \u0096 <i>Un barbier riche<\/i> et <i>Le retour du barbier riche<\/i> \u0096, et ancien dragon \u00e0 l&rsquo;\u00e9mission Dragons&rsquo; Den de la cha\u00eene CBC, d\u00e9crit les fiducies et explique pourquoi il consid\u00e8re qu&rsquo;elles sont sous-utilis\u00e9es. La vid\u00e9o est produite conjointement par <a href=\"https:\/\/www.rbcwealthmanagement.com\/fr-ca\/royal-trust\/\" target=\"_blank\" rel=\"noopener\">RBC Gestion de patrimoine, Trust Royal<\/a> et David Chilton.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide wide\" \/>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"Qu\u2019est-ce qu\u2019une fiducie ? Le Barbier riche vous  l\u2019explique\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/zp8VKqFkFrY?feature=oembed&#038;rel=0\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide wide\" \/>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible mar-b-hlf\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse02cf48d0\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse02cf48d0\" data-dig-id=\"LP-6867-undefined\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Cliquez pour afficher la transcription\"><span>Cliquez pour afficher la transcription<\/span><span>Cliquez pour afficher la transcription<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse02cf48d0\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>J\u2019adore ce chandail\u2026 mais ce n\u2019est \u00e9videmment pas le sujet de cette vid\u00e9o \u0096 il est quand m\u00eame chic. Nous ferons plut\u00f4t un survol des fiducies et des raisons pour lesquelles je pense qu\u2019elles sont sous-utilis\u00e9es. Cessez de b\u00e2iller ! Oui, les fiducies ne sont pas le sujet le plus passionnant qui soit. Mais \u0096 et ce \u00ab mais \u00bb est tr\u00e8s important \u0096, elles peuvent \u00e0 mon avis jouer un r\u00f4le tr\u00e8s utile dans le plan successoral de nombreux Canadiens. En fait, la famille de plusieurs de mes amis aurait pu \u00e9viter des situations tr\u00e8s dramatiques si elle avait saisi les \u00ab raisons \u00bb qui sous-tendent la cr\u00e9ation d\u2019une fiducie. Cela dit, j\u2019admets que le vocabulaire et les strat\u00e9gies fiduciaires peuvent \u00eatre un peu intimidants et compliqu\u00e9s. Cependant, le concept de fiducie est assez simple. Une fiducie est \u00e9tablie lorsqu\u2019une personne transf\u00e8re la propri\u00e9t\u00e9 de certains de ses biens \u00e0 un fiduciaire (soit une personne ou une soci\u00e9t\u00e9 de fiducie) et lui donne des instructions sur la fa\u00e7on de les utiliser au profit du b\u00e9n\u00e9ficiaire. Quel serait l\u2019int\u00e9r\u00eat d\u2019en cr\u00e9er une, vous demandez-vous ? N\u2019est-ce pas quelque chose auquel seules les personnes ultrafortun\u00e9es devraient s\u2019int\u00e9resser ? Et si vous aviez un enfant adulte aux prises avec une d\u00e9pendance ? Ou qui a toujours g\u00e9r\u00e9 son argent avec insouciance ? Une personne qui jette l\u2019argent par les fen\u00eatres ou prend des risques inconsid\u00e9r\u00e9s ? Malheureusement, je vois constamment ce genre de situations. On ne rend pas service \u00e0 ces personnes en leur l\u00e9guant directement de l\u2019argent, car elles se cassent souvent le nez. Ne serait-il pas beaucoup plus avantageux d\u2019utiliser une fiducie ? D\u2019avoir un fiduciaire, un partenaire de confiance, qui suivrait vos instructions et g\u00e9rerait l\u2019argent ? Pour v\u00e9ritablement prot\u00e9ger le b\u00e9n\u00e9ficiaire ? Oui, dans bien des cas. En fait, plusieurs personnes m\u2019ont dit \u00e0 quel point elles \u00e9taient reconnaissantes qu\u2019on ait plac\u00e9 leur h\u00e9ritage dans une fiducie. Elles savent tr\u00e8s bien ce qui se serait pass\u00e9 sinon. On peut aussi l\u00e9guer de l\u2019argent \u00e0 un proche qui, en raison d\u2019un handicap, ne pourrait s\u2019acquitter de la gestion financi\u00e8re ou le ferait au prix d\u2019un \u00e9norme stress. Ou on peut vouloir s\u2019assurer que son conjoint actuel ne manquera de rien, tout en pr\u00e9servant une partie des fonds pour ses enfants n\u00e9s d\u2019une premi\u00e8re union. Je m\u2019arr\u00eate ici, mais vous pouvez voir pourquoi je pense que les fiducies peuvent jouer un r\u00f4le tr\u00e8s important et tr\u00e8s utile dans la planification successorale. Elles constituent un outil, ma foi assez polyvalent, qui permet d\u2019aider ses proches. Et, je le r\u00e9p\u00e8te, de les prot\u00e9ger. Ce sujet \u00e9tait finalement assez int\u00e9ressant, n\u2019est-ce pas ? \u00c0 propos, si vous vous demandez o\u00f9 vous pouvez trouver ce chandail, je ne vous le dis pas.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n<p><em>RBC Trust Royal et RBC Gestion de patrimoine sont des secteurs op\u00e9rationnels de Banque Royale du Canada. Veuillez cliquer sur le lien \u00ab Conditions d&rsquo;utilisation \u00bb qui figure au bas de cette page pour obtenir plus d&rsquo;information sur les entit\u00e9s qui sont des soci\u00e9t\u00e9s membres de RBC Gestion de patrimoine. Nous n&rsquo;approuvons ni ne recommandons le contenu de cette publication, qui est fourni \u00e0 titre d&rsquo;information seulement et ne vise pas \u00e0 donner des conseils. \u00ae \/ MC Marque(s) de commerce de Banque Royale du Canada. RBC et Trust Royal sont des marques d\u00e9pos\u00e9es de Banque Royale du Canada, utilis\u00e9es sous licence. \u00a9 Banque Royale du Canada 2022. Tous droits r\u00e9serv\u00e9s. Au Qu\u00e9bec, les services de planification financi\u00e8re sont fournis par RBC Gestion de patrimoine Services Financiers. qui est autoris\u00e9 comme une soci\u00e9t\u00e9 de services financiers dans cette province. Dans le reste du Canada, les services de planification financi\u00e8re sont disponibles \u00e0 travers RBC Dominion valeurs mobili\u00e8res.<\/em><\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse942faa40\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse942faa40\" data-dig-id=\"LP-32776-942faa40\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Un mot de nos avocats\"><span>Un mot de nos avocats<\/span><span>Un mot de nos avocats<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse942faa40\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>Le pr\u00e9sent article vise \u00e0 offrir des renseignements g\u00e9n\u00e9raux seulement et n\u2019a pas pour objet de fournir des conseils juridiques ou financiers, ni d\u2019autres conseils professionnels. Veuillez consulter un conseiller professionnel en ce qui concerne votre situation particuli\u00e8re. Les renseignements pr\u00e9sent\u00e9s sont r\u00e9put\u00e9s \u00eatre factuels et \u00e0 jour, mais nous ne garantissons pas leur exactitude et ils ne doivent pas \u00eatre consid\u00e9r\u00e9s comme une analyse exhaustive des sujets abord\u00e9s. Les opinions exprim\u00e9es refl\u00e8tent le jugement des auteurs \u00e0 la date de publication et peuvent changer. La Banque Royale du Canada et ses entit\u00e9s ne font pas la promotion, ni explicitement ni implicitement, des conseils, des avis, des renseignements, des produits ou des services de tiers.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n<p class=\"has-text-align-center h5 mar-b\"><strong>Partager cet article<\/strong><\/p>\n\n\n\n\t\t<div class=\"socials-block\">\n\t\t\t    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Qu&rsquo;est-ce qu&rsquo;une fiducie ? &#038;body=Bonjour, je pensais que cet article de RBC Mes finances d\u2019abord pourrait vous int\u00e9resser: https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/le-barbier-riche\/quest-ce-quune-fiducie\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Courriel        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/le-barbier-riche\/quest-ce-quune-fiducie\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copier l\u2019URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  \t\t<\/div>\n\n\t\t\n\n\t\n\t<div class=\"wp-block-tk-spacer id-eaf30973-9e60-431a-8179-af55c07c8592\" aria-hidden=\"true\"><\/div>\n\t\n\n\n\t\t\t<div class=\"wp-block-rbc-single-post-topics related-topics-links\">\n\t\t\t\t<p class=\"h5 mar-r-hlf\">Topics:<\/p>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/sujets\/finances-personnelles\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Finances personnelles<\/a>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/sujets\/protection-du-patrimoine\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Protection du patrimoine<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel mob-pad-t-dbl\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading mar-b mob-mar-b-dbl mar-t-0\" id=\"h-a-lire-ensuite\">\u00c0 lire ensuite<\/h2>\n\n\n\t\t\t<div class=\"related-posts-type-2\">\n\t\t\t\t<div class=\"related-post-list\">\n\t\t\t\t\t<ul class=\"grid-wpr eh-wpr\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/shutterstock_172567265_RESPvsRRSP-1.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Des parents heureux c\u00e9l\u00e9brant la graduation de leur enfant, sachant qu&#039;ils ont r\u00e9ussi \u00e0 \u00e9quilibrer leurs cotisations au REEE et au REER.\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/shutterstock_172567265_RESPvsRRSP-1.jpg 3900w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/shutterstock_172567265_RESPvsRRSP-1.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/shutterstock_172567265_RESPvsRRSP-1.jpg?resize=768,512 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/shutterstock_172567265_RESPvsRRSP-1.jpg?resize=1024,683 1024w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/shutterstock_172567265_RESPvsRRSP-1.jpg?resize=1536,1024 1536w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/shutterstock_172567265_RESPvsRRSP-1.jpg?resize=2048,1365 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"card-details mob-mar-b-0 mob-mar-t-0 pad-r-0 col-md-12 col-xs-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/evenements-de-la-vie\/finances-et-relations\/parentalite\/\">\n\t\t\t\t\t\tParentalit\u00e9\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/evenements-de-la-vie\/finances-et-relations\/parentalite\/reee-et-reer-comment-trouver-lequilibre-entre-lepargne-etudes-et-lepargne-retraite\/\" class=\"card-title h4 mar-t-0\">REEE et REER : comment trouver l\u2019\u00e9quilibre entre l\u2019\u00e9pargne-\u00e9tudes et l\u2019\u00e9pargne-retraite<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/07\/Sep-15_shutterstock_2438592943.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Une main tient un disque avec un symbole de pourcentage dessus, et des fl\u00e8ches vers le haut et vers le bas au-dessus et en dessous du disque pour refl\u00e9ter l&#039;annonce du taux du 17 septembre 2025.\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/07\/Sep-15_shutterstock_2438592943.jpg 5233w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/07\/Sep-15_shutterstock_2438592943.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/07\/Sep-15_shutterstock_2438592943.jpg?resize=768,512 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/07\/Sep-15_shutterstock_2438592943.jpg?resize=1024,683 1024w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/07\/Sep-15_shutterstock_2438592943.jpg?resize=1536,1024 1536w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/07\/Sep-15_shutterstock_2438592943.jpg?resize=2048,1365 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"card-details mob-mar-b-0 mob-mar-t-0 pad-r-0 col-md-12 col-xs-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/economie-101\/comprendre-les-taux-dinteret\/\">\n\t\t\t\t\t\tComprendre les taux d\u2019int\u00e9r\u00eat\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/economie-101\/comprendre-les-taux-dinteret\/annonce-de-taux-d-interet-de-la-banque-du-canada\/\" class=\"card-title h4 mar-t-0\">D\u00e9mystification du taux d&rsquo;int\u00e9r\u00eat de la Banque du Canada et son incidence sur votre pr\u00eat hypoth\u00e9caire<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/shutterstock_1823396156_retirementreadiness.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Couple d&#039;\u00e2ge moyen promenant un chien et r\u00e9fl\u00e9chissant \u00e0 leur \u00e9pargne-retraite et s\u00e9curit\u00e9 financi\u00e8re future ; image illustrant la planification de la pr\u00e9paration \u00e0 la retraite\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/shutterstock_1823396156_retirementreadiness.jpg 6720w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/shutterstock_1823396156_retirementreadiness.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/shutterstock_1823396156_retirementreadiness.jpg?resize=768,512 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/shutterstock_1823396156_retirementreadiness.jpg?resize=1024,683 1024w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/shutterstock_1823396156_retirementreadiness.jpg?resize=1536,1024 1536w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/shutterstock_1823396156_retirementreadiness.jpg?resize=2048,1365 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"card-details mob-mar-b-0 mob-mar-t-0 pad-r-0 col-md-12 col-xs-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/retraite\/planification-de-la-retraite\/\">\n\t\t\t\t\t\tPlanification de la retraite\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/retraite\/planification-de-la-retraite\/en-retard-dans-votre-epargne-retraite-voici-ce-quil-faut-faire\/\" class=\"card-title h4 mar-t-0\">En retard dans votre \u00e9pargne-retraite? Voici ce qu\u2019il faut faire.<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n<\/section>\n<style class=\"advgb-styles-renderer\">\n\t\t.wp-block-tk-spacer.id-eaf30973-9e60-431a-8179-af55c07c8592 {\n\t\theight: 60px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-eaf30973-9e60-431a-8179-af55c07c8592 {\n\t\t\theight: 30px;\n\t\t}\n\t}\t<\/style>","protected":false},"excerpt":{"rendered":"<p>David Chilton, auteur du livre \u00e0 succ\u00e8s Un barbier riche, d\u00e9crit les fiducies et explique pourquoi il consid\u00e8re qu&rsquo;elles sont sous-utilis\u00e9es.<\/p>\n","protected":false},"author":112,"featured_media":9978,"parent":7082,"menu_order":0,"template":"","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"tags":[130,155],"rbc_content_type":[121],"rbc_audience":[150,143],"rbc_lob_group":[122],"rbc_difficulty_level":[123],"rbc_mmm_category":[195,30,79,41],"class_list":["post-6867","rbc_my_money_matter","type-rbc_my_money_matter","status-publish","has-post-thumbnail","hentry","tag-finances-personnelles","tag-protection-du-patrimoine","rbc_content_type-article","rbc_audience-aines","rbc_audience-jeunes","rbc_lob_group-entreprises","rbc_difficulty_level-beginner","rbc_mmm_category-le-barbier-riche","rbc_mmm_category-objectifs-et-aspirations","rbc_mmm_category-planification-de-la-retraite","rbc_mmm_category-retraite"],"acf":{"contently_publication_id":"319294","custom_author":"David Chilton","rbc_video_header":"","rbc_media_duration":"","rbc_toc_for_mmm_tag":"h2","rbc_toc_for_mmm_limit":6,"rbc_toc_for_mmm":null,"rbc_toc_for_mmm_action":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<meta name=\"description\" content=\"David Chilton, auteur du livre \u00e0 succ\u00e8s Un barbier riche, d\u00e9crit les fiducies et explique pourquoi il consid\u00e8re qu&#039;elles sont sous-utilis\u00e9es.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/le-barbier-riche\/quest-ce-quune-fiducie\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:description\" content=\"David Chilton, auteur du livre \u00e0 succ\u00e8s Un 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