{"id":8053,"date":"2021-11-22T18:05:26","date_gmt":"2021-11-22T18:05:26","guid":{"rendered":"https:\/\/silver.rbcinsurance.com\/fr-ca\/?p=8053&#038;preview=true&#038;preview_id=8053"},"modified":"2025-08-20T13:52:49","modified_gmt":"2025-08-20T17:52:49","slug":"fonds-distincts-et-fonds-communs-de-placement-ds","status":"publish","type":"post","link":"https:\/\/silver.rbcinsurance.com\/fr-ca\/decouvir-partager\/retraite\/fonds-distincts-et-fonds-communs-de-placement-ds","title":{"rendered":"Fonds distincts et fonds communs de placement"},"content":{"rendered":"\n<div class=\"wp-block-rbc-template-selector templateSelector template__article articleSingle\" data-template=\"article\">\n<div class=\"wp-block-group articleSingle__container tabListStickyWrapper is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero__inner is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"rbc-yoast-breadcrum-span\"><span><a href=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/\">Accueil<\/a><\/span><\/span>\n\n\n\n<div class=\"wp-block-group articleSingle__featuredImage__group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__title__group is-layout-flow wp-block-group-is-layout-flow\"><h1 class=\"wp-block-post-title\">Fonds distincts et fonds communs de placement<\/h1>\n\n\n<div class=\"wp-block-group articleSingle__date__group is-layout-flow wp-block-group-is-layout-flow\"><div class=\"wp-block-post-date\"><time datetime=\"2021-11-22T18:05:26-05:00\">22 novembre 2021<\/time><\/div>\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__readTime\">3 min de lecture<\/span>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__author__group is-layout-flow wp-block-group-is-layout-flow\">\n<img decoding=\"async\" src=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/wp-content\/uploads\/sites\/3\/2021\/06\/Avatar.webp?quality=80&w=128&h=128&crop=1\" alt=\"Shannon Lattin\">\n\n\n\n<div class=\"wp-block-group articleSingle__author__details is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"wp-block-rbc-html-element articleSingle__author__name\">Shannon Lattin<\/span>\n\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__author__designation\"><\/span>\n<\/div>\n<\/div>\n<\/div>\n\n\n<figure class=\"articleSingle__featuredImage wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"930\" height=\"620\" src=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/wp-content\/uploads\/sites\/3\/2022\/09\/thumb-lady-using-ipad_402x.jpg?quality=80&amp;w=930\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Dame utilisant un ipad tout en comparant les fonds distincts aux fonds communs de placement\" style=\"object-fit:cover;\" srcset=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/wp-content\/uploads\/sites\/3\/2022\/09\/thumb-lady-using-ipad_402x.jpg 930w, https:\/\/silver.rbcinsurance.com\/fr-ca\/wp-content\/uploads\/sites\/3\/2022\/09\/thumb-lady-using-ipad_402x.jpg?resize=300,200 300w, https:\/\/silver.rbcinsurance.com\/fr-ca\/wp-content\/uploads\/sites\/3\/2022\/09\/thumb-lady-using-ipad_402x.jpg?resize=768,512 768w\" sizes=\"auto, (max-width: 930px) 100vw, 930px\" \/><\/figure><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__container__main is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__page__nav is-layout-flow wp-block-group-is-layout-flow\">\t\t<div class=\"socials-block\">\n\t\t\t\t\t\t<p class=\"socials-block-title\">\n\t\t\tPartager cet article\t\t<\/p>\n\t\t<div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n\t\t\t\t\t<a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Fonds distincts et fonds communs de placement &#038;body=Bonjour, je pensais que cet article de RBC Assurances pourrait vous int\u00e9resser: https:\/\/silver.rbcinsurance.com\/fr-ca\/decouvir-partager\/retraite\/fonds-distincts-et-fonds-communs-de-placement-ds\" aria-label=\"Courriel\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n\t\t\t\talt=\"envelope icon\">\n\t\t\t\t<span>\n\t\t\t\tCourriel\t\t\t\t<\/span>\n\t\t\t<\/a>\n\t\t<div class=\"social-button-wrapper sharing-copy-wrapper\">\n\t\t\t<button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/decouvir-partager\/retraite\/fonds-distincts-et-fonds-communs-de-placement-ds\" aria-label=\"Copier l\u2019URL\">\n\t\t\t<img\n\t\t\t\tsrc=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n\t\t\t\talt=\"copy icon\">\n\t\t\t<span id=\"sharing-copyUrl-Label\">\n\t\t\t\tCopier l\u2019URL\t\t\t<\/span>\n\t\t\t<\/button>\n\t\t\t<input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n\t\t<\/div>\n\t<\/div>\n  \t\t<\/div>\t\n\t\t\n\n\n<div class=\"wp-block-rbc-tabs-list tabsList\" data-switch=\"lgBp\" data-target-heading=\"h4\"><p class=\"tabsList__heading\">Sur cette page<\/p><div class=\"tabsList__wrapper\"><button class=\"selectDropdown__button\" aria-haspopup=\"listbox\" aria-expanded=\"false\"><span class=\"selectDropdown__title\">Aper\u00e7u comparatif des fonds distincts et des fonds communs de placement<\/span><span class=\"selectDropdown__chevron\"><\/span><\/button><ul class=\"tabsList__items selectDropdown__list\"><li class=\"selectDropdown__list__item tabsList__item selected\"><a href=\"#h-apercu-comparatif-des-fonds-distincts-et-des-fonds-communs-de-placement\">Aper\u00e7u comparatif des fonds distincts et des fonds communs de placement<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-lassurance-peut-etre-difficile-a-comprendre-on-simplifie-le-tout-pour-vous\">L&#039;assurance peut \u00eatre difficile \u00e0 comprendre. On simplifie le tout pour vous.<\/a><\/li><\/ul><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__content__main tabListHeadings is-layout-flow wp-block-group-is-layout-flow\">\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 \" style=\"border-radius:0x\">\n<p>Vous voulez prot\u00e9ger vos \u00e9conomies durement gagn\u00e9es, les faire fructifier en investissant dans une gamme diversifi\u00e9e de fonds, y avoir facilement acc\u00e8s et profiter des avantages que procure la gestion des fonds par des professionnels. Nous simplifions le tout pour vous \u00e0 l&rsquo;aide de ce tableau de comparaison informatif portant sur quelques options de placement.<\/p>\n<p>\u00c0 premi\u00e8re vue, les fonds distincts ressemblent aux fonds communs de placement. Ils comprennent chacun un portefeuille de placement diversifi\u00e9 et offrent la gestion des fonds par des professionnels, ainsi que l&rsquo;acc\u00e8s facile aux actifs. Cependant, les fonds distincts ont des caract\u00e9ristiques qui leur sont propres et qui peuvent compl\u00e9ter un portefeuille de placement diversifi\u00e9 :<\/p>\n<p><b>Protection principale<\/b><\/p>\n<ul class=\"disc-list\">\n<li>Garantie \u00e0 l&rsquo;\u00e9ch\u00e9ance<sup>1<\/sup><\/li>\n<li>Garantie du capital-d\u00e9c\u00e8s<sup>1<\/sup><\/li>\n<\/ul>\n<p><b>Avantages de la planification successorale<\/b><\/p>\n<ul class=\"disc-list\">\n<li>Possibilit\u00e9 d&rsquo;\u00e9viter les frais d&rsquo;homologation<sup>2<\/sup><\/li>\n<\/ul>\n<p><b>Rajustements<\/b><\/p>\n<ul class=\"disc-list\">\n<li>Cristallisez les gains r\u00e9alis\u00e9s sur votre placement<\/li>\n<\/ul>\n<p><b>Protection \u00e9ventuelle contre les cr\u00e9anciers<\/b><\/p>\n<ul class=\"disc-list\">\n<li>L&rsquo;actif des fonds distincts peut \u00eatre prot\u00e9g\u00e9 contre les cr\u00e9anciers en cas de faillite, ce qui est particuli\u00e8rement important pour les propri\u00e9taires d&rsquo;entreprise ou les travailleurs autonomes<sup>3<\/sup><\/li>\n<\/ul>\n<h4 id=\"h-apercu-comparatif-des-fonds-distincts-et-des-fonds-communs-de-placement\">Aper\u00e7u comparatif des fonds distincts et des fonds communs de placement<\/h4>\n<p>Si vous \u00eates \u00e0 la recherche d&rsquo;un potentiel de croissance et d&rsquo;une protection contre les fluctuations du march\u00e9, les fonds distincts m\u00e9ritent que vous vous y int\u00e9ressiez. Le tableau ci-apr\u00e8s brosse un tableau complet des deux options de placement, pour bien lancer votre recherche.<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/wp-content\/uploads\/sites\/3\/2022\/09\/seg-vs-mutual-funds-chart-fr.jpg\" alt=\"Fonds distincts et fonds communs de placement\" \/><\/p>\n<h4 id=\"h-lassurance-peut-etre-difficile-a-comprendre-on-simplifie-le-tout-pour-vous\">L&rsquo;assurance peut \u00eatre difficile \u00e0 comprendre. On simplifie le tout pour vous.<\/h4>\n<h6>Sources :<br \/>1) Les retraits r\u00e9duisent les sommes garanties proportionnellement. Les garanties prennent fin \u00e0 l&rsquo;\u00e2ge de 100 ans.<br \/>2) Les frais d&rsquo;homologation et les exigences varient d&rsquo;une province \u00e0 l&rsquo;autre.<br \/>3) Nous vous invitons \u00e0 consulter vos conseillers financier et juridique pour discuter de votre situation personnelle.<br \/>4) Les frais des fonds distincts sont g\u00e9n\u00e9ralement plus \u00e9lev\u00e9s que ceux des fonds communs de placement, puisqu&rsquo;ils comprennent des frais de gestion et un \u00e9l\u00e9ment assurance.<br \/>5) Valable uniquement pour les comptes non enregistr\u00e9s en propri\u00e9t\u00e9 conjointe et avec droit de survie (toutes les provinces, sauf le Qu\u00e9bec). Les comptes enregistr\u00e9s peuvent \u00e9chapper aux frais d&rsquo;homologation lorsqu&rsquo;il y a un b\u00e9n\u00e9ficiaire.<\/h6>\n\n\n\t<style type=\"text\/css\">\n\t\t.wp-block-tk-spacer.id-65daa3f6-284b-4c0b-b3b7-d0e10954ad62 {\n\t\theight: 30px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-65daa3f6-284b-4c0b-b3b7-d0e10954ad62 {\n\t\t\theight: 15px;\n\t\t}\n\t}\t<\/style>\n\t<div class=\"wp-block-tk-spacer id-65daa3f6-284b-4c0b-b3b7-d0e10954ad62\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse34890d88\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse34890d88\" data-dig-id=\"LP-Retraite-3580-34890d88\" data-dig-category=\"LP-Retraite\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Un mot de nos avocats\"><div>Un mot de nos avocats<\/div><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse34890d88\">\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\n\n\n<p>Toute somme affect\u00e9e \u00e0 un fonds distinct est investie aux risques du titulaire de contrat et sa valeur peut augmenter ou diminuer. Les Fonds de placement garanti RBC sont des contrats de rente individuels \u00e0 capital variable, appel\u00e9s fonds distincts. La Compagnie d\u2019assurance vie RBC est l\u2019\u00e9mettrice exclusive de ces contrats et la garante de toutes les garanties qui y sont stipul\u00e9es. Les fonds communs de placement sous-jacents et les portefeuilles offerts dans le cadre de ces contrats sont g\u00e9r\u00e9s par RBC Gestion mondiale d\u2019actifs Inc. Lorsque les clients d\u00e9posent de l\u2019argent dans un contrat de Fonds de placement garanti RBC, ils n\u2019ach\u00e8tent pas des parts des fonds communs ou des portefeuilles g\u00e9r\u00e9s par RBC Gestion mondiale d\u2019actifs Inc. et, par cons\u00e9quent, ils ne poss\u00e8dent ni les droits ni les privil\u00e8ges d\u00e9tenus par les porteurs de parts de ces fonds. Les d\u00e9tails sur le contrat pertinent figurent dans le document Notice explicative et contrat FPG RBC qui se trouve \u00e0 l\u2019adresse <a href=\"http:\/\/www.rbcassurances.com\/fpg\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-Retraite-3242-8f5267a4\" data-dig-label=\"www.rbcassurances.com\/fpg\" data-dig-action=\"link click\" data-dig-category=\"LP-Retraite\" class=\"rbc-link-format\">www.rbcassurances.com\/fpg<\/a>.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n\n\n\n<\/div>\n<\/section>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Quelles sont les diff\u00e9rences entre les fonds distincts et les fonds communs de placement ? Ce tableau de comparaison informatif donne une bonne explication.<\/p>\n","protected":false},"author":109,"featured_media":3594,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"templates\/new-rbci-design.php","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[69],"tags":[39,24],"article-type":[77],"ppma_author":[],"class_list":["post-8053","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-retraite","tag-finances-personnelles","tag-gestion-financiere","article-type-decouvir-partager"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Fonds distincts et fonds communs de placement | RBC Assurances<\/title>\n<meta name=\"description\" content=\"Lorsqu&#039;ils envisagent des solutions de placement pour leur retraite, les Canadiens veulent de la croissance, mais ils veulent aussi de la s\u00e9curit\u00e9.\" \/>\n<meta name=\"robots\" content=\"noindex, follow\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Fonds distincts et fonds communs de placement | RBC Assurances\" \/>\n<meta property=\"og:description\" content=\"Lorsqu&#039;ils envisagent des solutions de placement pour leur retraite, les Canadiens veulent de la croissance, mais ils veulent aussi de la s\u00e9curit\u00e9.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/decouvir-partager\/retraite\/fonds-distincts-et-fonds-communs-de-placement-ds\/\" \/>\n<meta property=\"og:site_name\" content=\"RBC Assurances\" \/>\n<meta property=\"article:author\" content=\"Shannon Lattin\" \/>\n<meta property=\"article:published_time\" content=\"2021-11-22T18:05:26+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-08-20T17:52:49+00:00\" 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