Rapport
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AFI
Préparé pour
Client Apprécié
Présenté par
Matthew Gauthier
L'arrangement financier immédiat
Avantages de l’AFI
Détails du plan et hypothèses
Informations du client
Client Apprécié (Âge 54 | Non-fumeur)
Résumé du TRI: Vie entière
| Assurance vie sans stratégie AFI | Stratégie AFI | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| Année | Paiement des primes de la police | Valeur de rachat de la police | Capital décès de la police | Net à la succession | TRI sur le net à la succession | Solde du prêt en cours | Garantie supplémentaire requise | Dépenses nettes en espèces | Net à la succession | TRI sur le net à la succession |
| $169,970 | $100,325 | $3,030,424 | $3,030,424 | 1,682.91% | $169,970 | $88,532 | $0 | $3,021,925 | S.O. | |
|
2
|
$169,970 | $214,541 | $3,078,557 | $3,078,557 | 278.51% | $339,941 | $163,171 | $0 | $3,057,348 | S.O. |
|
3
|
$169,970 | $336,151 | $3,140,664 | $3,140,664 | 123.91% | $509,911 | $230,417 | $0 | $3,102,546 | S.O. |
|
4
|
$169,970 | $467,863 | $3,214,173 | $3,214,173 | 73.15% | $679,882 | $287,561 | $0 | $3,154,949 | S.O. |
| $169,970 | $606,666 | $3,297,781 | $3,297,781 | 49.23% | $849,852 | $337,614 | $0 | $3,213,259 | S.O. | |
|
6
|
$169,970 | $755,547 | $3,390,282 | $3,390,282 | 35.72% | $1,019,822 | $377,589 | $0 | $3,276,280 | S.O. |
|
7
|
$169,970 | $911,579 | $3,490,867 | $3,490,867 | 27.22% | $1,189,793 | $410,413 | $0 | $3,343,205 | S.O. |
|
8
|
$169,970 | $1,080,893 | $3,598,985 | $3,598,985 | 21.49% | $1,359,763 | $429,955 | $0 | $3,413,508 | S.O. |
|
9
|
$169,970 | $1,158,757 | $3,713,965 | $3,713,965 | 17.41% | $1,529,734 | $540,947 | $0 | $3,486,529 | S.O. |
| $169,970 | $1,247,065 | $3,835,606 | $3,835,606 | 14.41% | $1,699,704 | $641,495 | $0 | $3,562,086 | S.O. | |
|
11
|
$0 | $1,328,499 | $3,964,633 | $3,964,633 | 12.87% | $1,699,704 | $560,061 | $0 | $3,649,410 | S.O. |
|
12
|
$0 | $1,416,204 | $4,094,686 | $4,094,686 | 11.69% | $1,699,704 | $472,356 | $0 | $3,736,970 | S.O. |
|
13
|
$0 | $1,507,057 | $4,225,922 | $4,225,922 | 10.75% | $1,699,704 | $381,503 | $0 | $3,825,713 | S.O. |
|
14
|
$0 | $1,601,747 | $4,358,262 | $4,358,262 | 9.99% | $1,699,704 | $286,813 | $0 | $3,915,561 | S.O. |
| $0 | $1,700,152 | $4,491,749 | $4,491,749 | 9.36% | $1,699,704 | $188,408 | $0 | $4,006,555 | S.O. | |
|
16
|
$0 | $1,805,436 | $4,626,451 | $4,626,451 | 8.82% | $1,699,704 | $83,124 | $0 | $4,098,764 | S.O. |
|
17
|
$0 | $1,914,272 | $4,762,288 | $4,762,288 | 8.36% | $1,699,704 | $0 | $0 | $4,192,109 | S.O. |
|
18
|
$0 | $2,027,649 | $4,899,266 | $4,899,266 | 7.96% | $1,699,704 | $0 | $0 | $4,286,594 | S.O. |
|
19
|
$0 | $2,148,282 | $5,037,332 | $5,037,332 | 7.62% | $1,699,704 | $0 | $0 | $4,382,168 | S.O. |
| $0 | $2,270,372 | $5,176,617 | $5,176,617 | 7.31% | $1,699,704 | $0 | $0 | $4,478,960 | S.O. | |
|
21
|
$0 | $2,399,664 | $5,317,507 | $5,317,507 | 7.03% | $1,699,704 | $0 | $0 | $4,577,358 | S.O. |
|
22
|
$0 | $2,534,470 | $5,460,054 | $5,460,054 | 6.79% | $1,699,704 | $0 | $0 | $4,677,412 | S.O. |
|
23
|
$0 | $2,677,450 | $5,604,324 | $5,604,324 | 6.57% | $1,699,704 | $0 | $0 | $4,779,190 | S.O. |
|
24
|
$0 | $2,825,841 | $5,750,443 | $5,750,443 | 6.36% | $1,699,704 | $0 | $0 | $4,882,816 | S.O. |
| $0 | $2,979,236 | $5,898,675 | $5,898,675 | 6.18% | $1,699,704 | $0 | $0 | $4,988,556 | S.O. | |
|
26
|
$0 | $3,138,527 | $6,049,105 | $6,049,105 | 6.01% | $1,699,704 | $0 | $0 | $5,096,493 | S.O. |
|
27
|
$0 | $3,303,993 | $6,201,877 | $6,201,877 | 5.86% | $1,699,704 | $0 | $0 | $5,206,772 | S.O. |
|
28
|
$0 | $3,479,021 | $6,357,313 | $6,357,313 | 5.72% | $1,699,704 | $0 | $0 | $5,319,716 | S.O. |
|
29
|
$0 | $3,657,067 | $6,515,598 | $6,515,598 | 5.59% | $1,699,704 | $0 | $0 | $5,435,508 | S.O. |
| $0 | $3,845,369 | $6,677,078 | $6,677,078 | 5.46% | $1,699,704 | $0 | $0 | $5,554,495 | S.O. | |
|
31
|
$0 | $4,040,489 | $6,842,198 | $6,842,198 | 5.35% | $1,699,704 | $0 | $0 | $5,677,123 | S.O. |
|
32
|
$0 | $4,242,751 | $7,011,238 | $7,011,238 | 5.25% | $1,699,704 | $0 | $0 | $5,803,670 | S.O. |
|
33
|
$0 | $4,452,613 | $7,184,662 | $7,184,662 | 5.15% | $1,699,704 | $0 | $0 | $5,934,601 | S.O. |
|
34
|
$0 | $4,670,459 | $7,362,777 | $7,362,777 | 5.06% | $1,699,704 | $0 | $0 | $6,070,224 | S.O. |
| $0 | $4,896,699 | $7,545,905 | $7,545,905 | 4.98% | $1,699,704 | $0 | $0 | $6,210,859 | S.O. | |
|
36
|
$0 | $5,133,665 | $7,734,494 | $7,734,494 | 4.90% | $1,699,704 | $0 | $0 | $6,356,956 | S.O. |
|
37
|
$0 | $5,376,869 | $7,928,827 | $7,928,827 | 4.82% | $1,699,704 | $0 | $0 | $6,508,796 | S.O. |
|
38
|
$0 | $5,629,662 | $8,129,057 | $8,129,057 | 4.75% | $1,699,704 | $0 | $0 | $6,666,534 | S.O. |
|
39
|
$0 | $5,889,920 | $8,335,598 | $8,335,598 | 4.69% | $1,699,704 | $0 | $0 | $6,830,582 | S.O. |
| $0 | $6,160,485 | $8,548,614 | $8,548,614 | 4.63% | $1,699,704 | $0 | $0 | $7,001,106 | S.O. | |
|
41
|
$0 | $6,437,195 | $8,768,125 | $8,768,125 | 4.57% | $1,699,704 | $0 | $0 | $7,178,123 | S.O. |
|
42
|
$0 | $6,724,796 | $8,994,326 | $8,994,326 | 4.52% | $1,699,704 | $0 | $0 | $7,361,832 | S.O. |
|
43
|
$0 | $7,023,264 | $9,227,141 | $9,227,141 | 4.47% | $1,699,704 | $0 | $0 | $7,552,154 | S.O. |
|
44
|
$0 | $7,326,547 | $9,466,467 | $9,466,467 | 4.42% | $1,699,704 | $0 | $0 | $7,748,988 | S.O. |
|
45
|
$0 | $7,640,432 | $9,712,180 | $9,712,180 | 4.38% | $1,699,704 | $0 | $0 | $7,952,208 | S.O. |
Avec vs sans AFI : Vie entière
Résumé des flux de trésorerie : Assurance vie avec stratégie IFA : Vie entière
Résumé des flux de trésorerie : Vie entière
| Stratégie AFI | |||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| Âge | Années | Primes payées du compte de dépenses | Avance du prêt en début d'année | Retrait du réinvestissement | Intérêts annuels payés sur le prêt à partir du fonds de roulement | Économies d'impôts réalisées cette année | Revenu net requis pour utiliser les déductions | Intérêts nets payés | Avance de prêt de fin d'année | Dépenses nettes en espèces | Décaissement cumulatif |
| 55 | $169,970 | $169,970 | $8,499 | $8,499 | $0 | $8,573 | $8,499 | $0 | $0 | $0 | |
| 56 |
2
|
$169,970 | $169,970 | $12,882 | $16,997 | $4,287 | $17,174 | $12,710 | $0 | $0 | $0 |
| 57 |
3
|
$169,970 | $169,970 | $17,188 | $25,496 | $8,587 | $25,775 | $16,909 | $0 | $0 | $0 |
| 58 |
4
|
$169,970 | $169,970 | $21,521 | $33,994 | $12,888 | $34,390 | $21,106 | $0 | $0 | $0 |
| 59 | $169,970 | $169,970 | $25,874 | $42,493 | $17,195 | $43,021 | $25,298 | $0 | $0 | $0 | |
| 60 |
6
|
$169,970 | $169,970 | $30,245 | $50,991 | $21,510 | $51,660 | $29,481 | $0 | $0 | $0 |
| 61 |
7
|
$169,970 | $169,970 | $34,637 | $59,490 | $25,830 | $60,346 | $33,659 | $0 | $0 | $0 |
| 62 |
8
|
$169,970 | $169,970 | $39,030 | $67,988 | $30,173 | $69,056 | $37,815 | $0 | $0 | $0 |
| 63 |
9
|
$169,970 | $169,970 | $43,435 | $76,487 | $34,528 | $77,801 | $41,959 | $0 | $0 | $0 |
| 64 | $169,970 | $169,970 | $47,846 | $84,985 | $38,901 | $86,564 | $46,085 | $0 | $0 | $0 | |
| 65 |
11
|
$0 | $0 | $43,422 | $84,985 | $43,282 | $84,985 | $41,703 | $0 | $0 | $0 |
| 66 |
12
|
$0 | $0 | $44,513 | $84,985 | $42,493 | $84,985 | $42,493 | $0 | $0 | $0 |
| 67 |
13
|
$0 | $0 | $44,785 | $84,985 | $42,493 | $84,985 | $42,493 | $0 | $0 | $0 |
| 68 |
14
|
$0 | $0 | $45,055 | $84,985 | $42,493 | $84,985 | $42,493 | $0 | $0 | $0 |
| 69 | $0 | $0 | $45,322 | $84,985 | $42,493 | $84,985 | $42,493 | $0 | $0 | $0 | |
| 70 |
16
|
$0 | $0 | $45,586 | $84,985 | $42,493 | $84,985 | $42,493 | $0 | $0 | $0 |
| 71 |
17
|
$0 | $0 | $45,848 | $84,985 | $42,493 | $84,985 | $42,493 | $0 | $0 | $0 |
| 72 |
18
|
$0 | $0 | $46,108 | $84,985 | $42,493 | $84,985 | $42,493 | $0 | $0 | $0 |
| 73 |
19
|
$0 | $0 | $46,365 | $84,985 | $42,493 | $84,985 | $42,493 | $0 | $0 | $0 |
| 74 | $0 | $0 | $46,619 | $84,985 | $42,493 | $84,985 | $42,493 | $0 | $0 | $0 | |
| 75 |
21
|
$0 | $0 | $46,870 | $84,985 | $42,493 | $84,985 | $42,493 | $0 | $0 | $0 |
| 76 |
22
|
$0 | $0 | $47,118 | $84,985 | $42,493 | $84,985 | $42,493 | $0 | $0 | $0 |
| 77 |
23
|
$0 | $0 | $47,363 | $84,985 | $42,493 | $84,985 | $42,493 | $0 | $0 | $0 |
| 78 |
24
|
$0 | $0 | $47,605 | $84,985 | $42,493 | $84,985 | $42,493 | $0 | $0 | $0 |
| 79 | $0 | $0 | $47,844 | $84,985 | $42,493 | $84,985 | $42,493 | $0 | $0 | $0 | |
| 80 |
26
|
$0 | $0 | $48,080 | $84,985 | $42,493 | $84,985 | $42,493 | $0 | $0 | $0 |
| 81 |
27
|
$0 | $0 | $48,312 | $84,985 | $42,493 | $84,985 | $42,493 | $0 | $0 | $0 |
| 82 |
28
|
$0 | $0 | $48,541 | $84,985 | $42,493 | $84,985 | $42,493 | $0 | $0 | $0 |
| 83 |
29
|
$0 | $0 | $48,767 | $84,985 | $42,493 | $84,985 | $42,493 | $0 | $0 | $0 |
| 84 | $0 | $0 | $48,990 | $84,985 | $42,493 | $84,985 | $42,493 | $0 | $0 | $0 | |
| 85 |
31
|
$0 | $0 | $49,209 | $84,985 | $42,493 | $84,985 | $42,493 | $0 | $0 | $0 |
| 86 |
32
|
$0 | $0 | $49,424 | $84,985 | $42,493 | $84,985 | $42,493 | $0 | $0 | $0 |
| 87 |
33
|
$0 | $0 | $49,636 | $84,985 | $42,493 | $84,985 | $42,493 | $0 | $0 | $0 |
| 88 |
34
|
$0 | $0 | $49,845 | $84,985 | $42,493 | $84,985 | $42,493 | $0 | $0 | $0 |
| 89 | $0 | $0 | $50,050 | $84,985 | $42,493 | $84,985 | $42,493 | $0 | $0 | $0 | |
| 90 |
36
|
$0 | $0 | $50,251 | $84,985 | $42,493 | $84,985 | $42,493 | $0 | $0 | $0 |
| 91 |
37
|
$0 | $0 | $50,449 | $84,985 | $42,493 | $84,985 | $42,493 | $0 | $0 | $0 |
| 92 |
38
|
$0 | $0 | $50,643 | $84,985 | $42,493 | $84,985 | $42,493 | $0 | $0 | $0 |
| 93 |
39
|
$0 | $0 | $50,834 | $84,985 | $42,493 | $84,985 | $42,493 | $0 | $0 | $0 |
| 94 | $0 | $0 | $51,021 | $84,985 | $42,493 | $84,985 | $42,493 | $0 | $0 | $0 | |
| 95 |
41
|
$0 | $0 | $51,204 | $84,985 | $42,493 | $84,985 | $42,493 | $0 | $0 | $0 |
| 96 |
42
|
$0 | $0 | $51,384 | $84,985 | $42,493 | $84,985 | $42,493 | $0 | $0 | $0 |
| 97 |
43
|
$0 | $0 | $51,560 | $84,985 | $42,493 | $84,985 | $42,493 | $0 | $0 | $0 |
| 98 |
44
|
$0 | $0 | $51,733 | $84,985 | $42,493 | $84,985 | $42,493 | $0 | $0 | $0 |
| 99 |
45
|
$0 | $0 | $51,902 | $84,985 | $42,493 | $84,985 | $42,493 | $0 | $0 | $0 |
Résumé fiscal: Vie entière
| Stratégie AFI | |||||||||
|---|---|---|---|---|---|---|---|---|---|
| Âge | Années | Intérêt annuel sur le prêt | Économies fiscales (Intérêt du prêt) | Le moindre des primes et du CNAP | Ratio prêt/prestations de décès | Déduction de l'assurance collatérale. | Économies fiscales (Déduction d'assurance) | Revenu requis pour déductions | Économies fiscales totales |
| 55 | $8,499 | $4,249 | $1,333 | 5.61% | $75 | $37 | $8,573 | $4,287 | |
| 56 |
2
|
$16,997 | $8,499 | $1,602 | 11.04% | $177 | $88 | $17,174 | $8,587 |
| 57 |
3
|
$25,496 | $12,748 | $1,722 | 16.24% | $280 | $140 | $25,775 | $12,888 |
| 58 |
4
|
$33,994 | $16,997 | $1,871 | 21.15% | $396 | $198 | $34,390 | $17,195 |
| 59 | $42,493 | $21,246 | $2,049 | 25.77% | $528 | $264 | $43,021 | $21,510 | |
| 60 |
6
|
$50,991 | $25,496 | $2,225 | 30.08% | $669 | $335 | $51,660 | $25,830 |
| 61 |
7
|
$59,490 | $29,745 | $2,513 | 34.08% | $856 | $428 | $60,346 | $30,173 |
| 62 |
8
|
$67,988 | $33,994 | $2,826 | 37.78% | $1,068 | $534 | $69,056 | $34,528 |
| 63 |
9
|
$76,487 | $38,243 | $3,192 | 41.19% | $1,315 | $657 | $77,801 | $38,901 |
| 64 | $84,985 | $42,493 | $3,564 | 44.31% | $1,579 | $790 | $86,564 | $43,282 | |
| 65 |
11
|
$84,985 | $42,493 | $0 | 42.87% | $0 | $0 | $84,985 | $42,493 |
| 66 |
12
|
$84,985 | $42,493 | $0 | 41.51% | $0 | $0 | $84,985 | $42,493 |
| 67 |
13
|
$84,985 | $42,493 | $0 | 40.22% | $0 | $0 | $84,985 | $42,493 |
| 68 |
14
|
$84,985 | $42,493 | $0 | 39.00% | $0 | $0 | $84,985 | $42,493 |
| 69 | $84,985 | $42,493 | $0 | 37.84% | $0 | $0 | $84,985 | $42,493 | |
| 70 |
16
|
$84,985 | $42,493 | $0 | 36.74% | $0 | $0 | $84,985 | $42,493 |
| 71 |
17
|
$84,985 | $42,493 | $0 | 35.69% | $0 | $0 | $84,985 | $42,493 |
| 72 |
18
|
$84,985 | $42,493 | $0 | 34.69% | $0 | $0 | $84,985 | $42,493 |
| 73 |
19
|
$84,985 | $42,493 | $0 | 33.74% | $0 | $0 | $84,985 | $42,493 |
| 74 | $84,985 | $42,493 | $0 | 32.83% | $0 | $0 | $84,985 | $42,493 | |
| 75 |
21
|
$84,985 | $42,493 | $0 | 31.96% | $0 | $0 | $84,985 | $42,493 |
| 76 |
22
|
$84,985 | $42,493 | $0 | 31.13% | $0 | $0 | $84,985 | $42,493 |
| 77 |
23
|
$84,985 | $42,493 | $0 | 30.33% | $0 | $0 | $84,985 | $42,493 |
| 78 |
24
|
$84,985 | $42,493 | $0 | 29.56% | $0 | $0 | $84,985 | $42,493 |
| 79 | $84,985 | $42,493 | $0 | 28.82% | $0 | $0 | $84,985 | $42,493 | |
| 80 |
26
|
$84,985 | $42,493 | $0 | 28.10% | $0 | $0 | $84,985 | $42,493 |
| 81 |
27
|
$84,985 | $42,493 | $0 | 27.41% | $0 | $0 | $84,985 | $42,493 |
| 82 |
28
|
$84,985 | $42,493 | $0 | 26.74% | $0 | $0 | $84,985 | $42,493 |
| 83 |
29
|
$84,985 | $42,493 | $0 | 26.09% | $0 | $0 | $84,985 | $42,493 |
| 84 | $84,985 | $42,493 | $0 | 25.46% | $0 | $0 | $84,985 | $42,493 | |
| 85 |
31
|
$84,985 | $42,493 | $0 | 24.84% | $0 | $0 | $84,985 | $42,493 |
| 86 |
32
|
$84,985 | $42,493 | $0 | 24.24% | $0 | $0 | $84,985 | $42,493 |
| 87 |
33
|
$84,985 | $42,493 | $0 | 23.66% | $0 | $0 | $84,985 | $42,493 |
| 88 |
34
|
$84,985 | $42,493 | $0 | 23.09% | $0 | $0 | $84,985 | $42,493 |
| 89 | $84,985 | $42,493 | $0 | 22.52% | $0 | $0 | $84,985 | $42,493 | |
| 90 |
36
|
$84,985 | $42,493 | $0 | 21.98% | $0 | $0 | $84,985 | $42,493 |
| 91 |
37
|
$84,985 | $42,493 | $0 | 21.44% | $0 | $0 | $84,985 | $42,493 |
| 92 |
38
|
$84,985 | $42,493 | $0 | 20.91% | $0 | $0 | $84,985 | $42,493 |
| 93 |
39
|
$84,985 | $42,493 | $0 | 20.39% | $0 | $0 | $84,985 | $42,493 |
| 94 | $84,985 | $42,493 | $0 | 19.88% | $0 | $0 | $84,985 | $42,493 | |
| 95 |
41
|
$84,985 | $42,493 | $0 | 19.39% | $0 | $0 | $84,985 | $42,493 |
| 96 |
42
|
$84,985 | $42,493 | $0 | 18.90% | $0 | $0 | $84,985 | $42,493 |
| 97 |
43
|
$84,985 | $42,493 | $0 | 18.42% | $0 | $0 | $84,985 | $42,493 |
| 98 |
44
|
$84,985 | $42,493 | $0 | 17.95% | $0 | $0 | $84,985 | $42,493 |
| 99 |
45
|
$84,985 | $42,493 | $0 | 17.50% | $0 | $0 | $84,985 | $42,493 |
Sensibilité: Vie entière
| Stratégie AFI | |||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| Taux du prêt plus 1% | |||||||||||
| Âge | Années | Avance de prêt en début d'année | Réinvestissement des retraits du prêt pour payer les intérêts | Retraits pour payer le prêt | Valeur nette de liquidation | Intérêt après déductions | Avance de prêt de fin d'année | Dépenses nettes en espèces | solde du prêt | Garanties additionnelles | Net à la succession |
| 55 | $169,970 | $10,198 | $0 | $164,834 | $10,198 | $10,198 | $10,198 | $169,970 | $88,532 | $3,020,225 | |
| 56 |
2
|
$169,970 | $15,508 | $0 | $329,654 | $15,260 | $20,396 | $15,260 | $339,941 | $163,171 | $3,053,099 |
| 57 |
3
|
$169,970 | $20,710 | $0 | $494,474 | $20,308 | $30,595 | $20,308 | $509,911 | $230,417 | $3,094,898 |
| 58 |
4
|
$169,970 | $25,952 | $0 | $659,287 | $25,356 | $40,793 | $25,356 | $679,882 | $287,561 | $3,143,051 |
| 59 | $169,970 | $31,225 | $0 | $824,092 | $30,397 | $50,991 | $30,397 | $849,852 | $337,614 | $3,196,262 | |
| 60 |
6
|
$169,970 | $36,527 | $0 | $988,893 | $35,430 | $61,189 | $35,430 | $1,019,822 | $377,589 | $3,253,334 |
| 61 |
7
|
$169,970 | $41,861 | $0 | $1,153,671 | $40,458 | $71,388 | $40,458 | $1,189,793 | $410,413 | $3,313,460 |
| 62 |
8
|
$169,970 | $47,207 | $0 | $1,318,436 | $45,464 | $81,586 | $45,464 | $1,359,763 | $429,955 | $3,376,114 |
| 63 |
9
|
$169,970 | $52,575 | $0 | $1,483,184 | $50,457 | $91,784 | $50,457 | $1,529,734 | $540,947 | $3,440,637 |
| 64 | $169,970 | $57,959 | $0 | $1,647,923 | $55,433 | $101,982 | $55,433 | $1,699,704 | $641,495 | $3,506,845 | |
| 65 |
11
|
$0 | $52,668 | $0 | $1,648,713 | $50,202 | $101,982 | $50,202 | $1,699,704 | $560,061 | $3,585,671 |
| 66 |
12
|
$0 | $53,881 | $0 | $1,648,713 | $50,991 | $101,982 | $50,991 | $1,699,704 | $472,356 | $3,664,733 |
| 67 |
13
|
$0 | $54,268 | $0 | $1,648,713 | $50,991 | $101,982 | $50,991 | $1,699,704 | $381,503 | $3,744,977 |
| 68 |
14
|
$0 | $54,651 | $0 | $1,648,713 | $50,991 | $101,982 | $50,991 | $1,699,704 | $286,813 | $3,826,327 |
| 69 | $0 | $55,029 | $0 | $1,648,713 | $50,991 | $101,982 | $50,991 | $1,699,704 | $188,408 | $3,908,822 | |
| 70 |
16
|
$0 | $55,403 | $0 | $1,648,713 | $50,991 | $101,982 | $50,991 | $1,699,704 | $83,124 | $3,992,533 |
| 71 |
17
|
$0 | $55,773 | $0 | $1,648,713 | $50,991 | $101,982 | $50,991 | $1,699,704 | $0 | $4,077,379 |
| 72 |
18
|
$0 | $56,137 | $0 | $1,648,713 | $50,991 | $101,982 | $50,991 | $1,699,704 | $0 | $4,163,366 |
| 73 |
19
|
$0 | $56,496 | $0 | $1,648,713 | $50,991 | $101,982 | $50,991 | $1,699,704 | $0 | $4,250,441 |
| 74 | $0 | $56,850 | $0 | $1,648,713 | $50,991 | $101,982 | $50,991 | $1,699,704 | $0 | $4,338,734 | |
| 75 |
21
|
$0 | $57,199 | $0 | $1,648,713 | $50,991 | $101,982 | $50,991 | $1,699,704 | $0 | $4,428,634 |
| 76 |
22
|
$0 | $57,542 | $0 | $1,648,713 | $50,991 | $101,982 | $50,991 | $1,699,704 | $0 | $4,520,189 |
| 77 |
23
|
$0 | $57,880 | $0 | $1,648,713 | $50,991 | $101,982 | $50,991 | $1,699,704 | $0 | $4,613,469 |
| 78 |
24
|
$0 | $58,212 | $0 | $1,648,713 | $50,991 | $101,982 | $50,991 | $1,699,704 | $0 | $4,708,596 |
| 79 | $0 | $58,538 | $0 | $1,648,713 | $50,991 | $101,982 | $50,991 | $1,699,704 | $0 | $4,805,837 | |
| 80 |
26
|
$0 | $58,858 | $0 | $1,648,713 | $50,991 | $101,982 | $50,991 | $1,699,704 | $0 | $4,905,276 |
| 81 |
27
|
$0 | $59,172 | $0 | $1,648,713 | $50,991 | $101,982 | $50,991 | $1,699,704 | $0 | $5,007,057 |
| 82 |
28
|
$0 | $59,481 | $0 | $1,648,713 | $50,991 | $101,982 | $50,991 | $1,699,704 | $0 | $5,111,502 |
| 83 |
29
|
$0 | $59,783 | $0 | $1,648,713 | $50,991 | $101,982 | $50,991 | $1,699,704 | $0 | $5,218,795 |
| 84 | $0 | $60,079 | $0 | $1,648,713 | $50,991 | $101,982 | $50,991 | $1,699,704 | $0 | $5,329,285 | |
| 85 |
31
|
$0 | $60,369 | $0 | $1,648,713 | $50,991 | $101,982 | $50,991 | $1,699,704 | $0 | $5,443,414 |
| 86 |
32
|
$0 | $60,652 | $0 | $1,648,713 | $50,991 | $101,982 | $50,991 | $1,699,704 | $0 | $5,561,462 |
| 87 |
33
|
$0 | $60,930 | $0 | $1,648,713 | $50,991 | $101,982 | $50,991 | $1,699,704 | $0 | $5,683,895 |
| 88 |
34
|
$0 | $61,201 | $0 | $1,648,713 | $50,991 | $101,982 | $50,991 | $1,699,704 | $0 | $5,811,019 |
| 89 | $0 | $61,466 | $0 | $1,648,713 | $50,991 | $101,982 | $50,991 | $1,699,704 | $0 | $5,943,156 | |
| 90 |
36
|
$0 | $61,725 | $0 | $1,648,713 | $50,991 | $101,982 | $50,991 | $1,699,704 | $0 | $6,080,754 |
| 91 |
37
|
$0 | $61,977 | $0 | $1,648,713 | $50,991 | $101,982 | $50,991 | $1,699,704 | $0 | $6,224,096 |
| 92 |
38
|
$0 | $62,223 | $0 | $1,648,713 | $50,991 | $101,982 | $50,991 | $1,699,704 | $0 | $6,373,335 |
| 93 |
39
|
$0 | $62,463 | $0 | $1,648,713 | $50,991 | $101,982 | $50,991 | $1,699,704 | $0 | $6,528,884 |
| 94 | $0 | $62,697 | $0 | $1,648,713 | $50,991 | $101,982 | $50,991 | $1,699,704 | $0 | $6,690,910 | |
| 95 |
41
|
$0 | $62,925 | $0 | $1,648,713 | $50,991 | $101,982 | $50,991 | $1,699,704 | $0 | $6,859,429 |
| 96 |
42
|
$0 | $63,147 | $0 | $1,648,713 | $50,991 | $101,982 | $50,991 | $1,699,704 | $0 | $7,034,639 |
| 97 |
43
|
$0 | $63,363 | $0 | $1,648,713 | $50,991 | $101,982 | $50,991 | $1,699,704 | $0 | $7,216,463 |
| 98 |
44
|
$0 | $63,573 | $0 | $1,648,713 | $50,991 | $101,982 | $50,991 | $1,699,704 | $0 | $7,404,798 |
| 99 |
45
|
$0 | $63,777 | $0 | $1,648,713 | $50,991 | $101,982 | $50,991 | $1,699,704 | $0 | $7,599,519 |
Sensibilité: Vie entière
| Stratégie AFI | |||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| Taux du prêt plus 2% | |||||||||||
| Âge | Années | Avance de prêt en début d'année | Réinvestissement des retraits du prêt pour payer les intérêts | Retraits pour payer le prêt | Valeur nette de liquidation | Intérêt après déductions | Avance de prêt de fin d'année | Dépenses nettes en espèces | solde du prêt | Garanties additionnelles | Net à la succession |
| 55 | $169,970 | $11,898 | $0 | $163,984 | $11,898 | $11,898 | $11,898 | $169,970 | $88,532 | $3,018,526 | |
| 56 |
2
|
$169,970 | $18,148 | $0 | $327,954 | $17,809 | $23,796 | $17,809 | $339,941 | $163,171 | $3,048,850 |
| 57 |
3
|
$169,970 | $24,255 | $0 | $491,925 | $23,707 | $35,694 | $23,707 | $509,911 | $230,417 | $3,087,249 |
| 58 |
4
|
$169,970 | $30,416 | $0 | $655,888 | $29,605 | $47,592 | $29,605 | $679,882 | $287,561 | $3,131,153 |
| 59 | $169,970 | $36,621 | $0 | $819,843 | $35,496 | $59,490 | $35,496 | $849,852 | $337,614 | $3,179,265 | |
| 60 |
6
|
$169,970 | $42,868 | $0 | $983,794 | $41,379 | $71,388 | $41,379 | $1,019,822 | $377,589 | $3,230,388 |
| 61 |
7
|
$169,970 | $49,159 | $0 | $1,147,722 | $47,257 | $83,285 | $47,257 | $1,189,793 | $410,413 | $3,283,715 |
| 62 |
8
|
$169,970 | $55,475 | $0 | $1,311,638 | $53,112 | $95,183 | $53,112 | $1,359,763 | $429,955 | $3,338,721 |
| 63 |
9
|
$169,970 | $61,824 | $0 | $1,475,536 | $58,956 | $107,081 | $58,956 | $1,529,734 | $540,947 | $3,394,745 |
| 64 | $169,970 | $68,201 | $0 | $1,639,425 | $64,781 | $118,979 | $64,781 | $1,699,704 | $641,495 | $3,451,605 | |
| 65 |
11
|
$0 | $62,038 | $0 | $1,640,214 | $58,700 | $118,979 | $58,700 | $1,699,704 | $560,061 | $3,521,932 |
| 66 |
12
|
$0 | $63,393 | $0 | $1,640,214 | $59,490 | $118,979 | $59,490 | $1,699,704 | $472,356 | $3,592,495 |
| 67 |
13
|
$0 | $63,913 | $0 | $1,640,214 | $59,490 | $118,979 | $59,490 | $1,699,704 | $381,503 | $3,664,241 |
| 68 |
14
|
$0 | $64,427 | $0 | $1,640,214 | $59,490 | $118,979 | $59,490 | $1,699,704 | $286,813 | $3,737,092 |
| 69 | $0 | $64,933 | $0 | $1,640,214 | $59,490 | $118,979 | $59,490 | $1,699,704 | $188,408 | $3,811,089 | |
| 70 |
16
|
$0 | $65,432 | $0 | $1,640,214 | $59,490 | $118,979 | $59,490 | $1,699,704 | $83,124 | $3,886,301 |
| 71 |
17
|
$0 | $65,922 | $0 | $1,640,214 | $59,490 | $118,979 | $59,490 | $1,699,704 | $0 | $3,962,649 |
| 72 |
18
|
$0 | $66,405 | $0 | $1,640,214 | $59,490 | $118,979 | $59,490 | $1,699,704 | $0 | $4,040,137 |
| 73 |
19
|
$0 | $66,878 | $0 | $1,640,214 | $59,490 | $118,979 | $59,490 | $1,699,704 | $0 | $4,118,714 |
| 74 | $0 | $67,343 | $0 | $1,640,214 | $59,490 | $118,979 | $59,490 | $1,699,704 | $0 | $4,198,509 | |
| 75 |
21
|
$0 | $67,799 | $0 | $1,640,214 | $59,490 | $118,979 | $59,490 | $1,699,704 | $0 | $4,279,909 |
| 76 |
22
|
$0 | $68,246 | $0 | $1,640,214 | $59,490 | $118,979 | $59,490 | $1,699,704 | $0 | $4,362,966 |
| 77 |
23
|
$0 | $68,683 | $0 | $1,640,214 | $59,490 | $118,979 | $59,490 | $1,699,704 | $0 | $4,447,748 |
| 78 |
24
|
$0 | $69,111 | $0 | $1,640,214 | $59,490 | $118,979 | $59,490 | $1,699,704 | $0 | $4,534,377 |
| 79 | $0 | $69,529 | $0 | $1,640,214 | $59,490 | $118,979 | $59,490 | $1,699,704 | $0 | $4,623,119 | |
| 80 |
26
|
$0 | $69,938 | $0 | $1,640,214 | $59,490 | $118,979 | $59,490 | $1,699,704 | $0 | $4,714,060 |
| 81 |
27
|
$0 | $70,336 | $0 | $1,640,214 | $59,490 | $118,979 | $59,490 | $1,699,704 | $0 | $4,807,342 |
| 82 |
28
|
$0 | $70,725 | $0 | $1,640,214 | $59,490 | $118,979 | $59,490 | $1,699,704 | $0 | $4,903,288 |
| 83 |
29
|
$0 | $71,104 | $0 | $1,640,214 | $59,490 | $118,979 | $59,490 | $1,699,704 | $0 | $5,002,083 |
| 84 | $0 | $71,473 | $0 | $1,640,214 | $59,490 | $118,979 | $59,490 | $1,699,704 | $0 | $5,104,074 | |
| 85 |
31
|
$0 | $71,832 | $0 | $1,640,214 | $59,490 | $118,979 | $59,490 | $1,699,704 | $0 | $5,209,704 |
| 86 |
32
|
$0 | $72,181 | $0 | $1,640,214 | $59,490 | $118,979 | $59,490 | $1,699,704 | $0 | $5,319,254 |
| 87 |
33
|
$0 | $72,520 | $0 | $1,640,214 | $59,490 | $118,979 | $59,490 | $1,699,704 | $0 | $5,433,188 |
| 88 |
34
|
$0 | $72,849 | $0 | $1,640,214 | $59,490 | $118,979 | $59,490 | $1,699,704 | $0 | $5,551,815 |
| 89 | $0 | $73,168 | $0 | $1,640,214 | $59,490 | $118,979 | $59,490 | $1,699,704 | $0 | $5,675,452 | |
| 90 |
36
|
$0 | $73,478 | $0 | $1,640,214 | $59,490 | $118,979 | $59,490 | $1,699,704 | $0 | $5,804,552 |
| 91 |
37
|
$0 | $73,778 | $0 | $1,640,214 | $59,490 | $118,979 | $59,490 | $1,699,704 | $0 | $5,939,396 |
| 92 |
38
|
$0 | $74,068 | $0 | $1,640,214 | $59,490 | $118,979 | $59,490 | $1,699,704 | $0 | $6,080,136 |
| 93 |
39
|
$0 | $74,350 | $0 | $1,640,214 | $59,490 | $118,979 | $59,490 | $1,699,704 | $0 | $6,227,187 |
| 94 | $0 | $74,622 | $0 | $1,640,214 | $59,490 | $118,979 | $59,490 | $1,699,704 | $0 | $6,380,714 | |
| 95 |
41
|
$0 | $74,885 | $0 | $1,640,214 | $59,490 | $118,979 | $59,490 | $1,699,704 | $0 | $6,540,734 |
| 96 |
42
|
$0 | $75,139 | $0 | $1,640,214 | $59,490 | $118,979 | $59,490 | $1,699,704 | $0 | $6,707,446 |
| 97 |
43
|
$0 | $75,384 | $0 | $1,640,214 | $59,490 | $118,979 | $59,490 | $1,699,704 | $0 | $6,880,771 |
| 98 |
44
|
$0 | $75,621 | $0 | $1,640,214 | $59,490 | $118,979 | $59,490 | $1,699,704 | $0 | $7,060,608 |
| 99 |
45
|
$0 | $75,849 | $0 | $1,640,214 | $59,490 | $118,979 | $59,490 | $1,699,704 | $0 | $7,246,831 |
Projection du solde d’investissement AFI : Vie entière
| Investissement imposable | ||||||
|---|---|---|---|---|---|---|
| Année | Excédent des espèces annuel investi | Croissance annuelle | Retraits pour payer les intérêts | Retraits pour payer le prêt | Valeur de l'excédent à la fin de l'année | Avantage successoral net |
| $169,970 | $0 | $8,499 | $0 | $0 | $0 | |
|
2
|
$169,970 | $0 | $12,882 | $0 | $0 | $0 |
|
3
|
$169,970 | $0 | $17,188 | $0 | $0 | $0 |
|
4
|
$169,970 | $0 | $21,521 | $0 | $0 | $0 |
| $169,970 | $0 | $25,874 | $0 | $0 | $0 | |
|
6
|
$169,970 | $0 | $30,245 | $0 | $0 | $0 |
|
7
|
$169,970 | $0 | $34,637 | $0 | $0 | $0 |
|
8
|
$169,970 | $0 | $39,030 | $0 | $0 | $0 |
|
9
|
$169,970 | $0 | $43,435 | $0 | $0 | $0 |
| $169,970 | $0 | $47,846 | $0 | $0 | $0 | |
|
11
|
$0 | $0 | $43,422 | $0 | $0 | $0 |
|
12
|
$0 | $0 | $44,513 | $0 | $0 | $0 |
|
13
|
$0 | $0 | $44,785 | $0 | $0 | $0 |
|
14
|
$0 | $0 | $45,055 | $0 | $0 | $0 |
| $0 | $0 | $45,322 | $0 | $0 | $0 | |
|
16
|
$0 | $0 | $45,586 | $0 | $0 | $0 |
|
17
|
$0 | $0 | $45,848 | $0 | $0 | $0 |
|
18
|
$0 | $0 | $46,108 | $0 | $0 | $0 |
|
19
|
$0 | $0 | $46,365 | $0 | $0 | $0 |
| $0 | $0 | $46,619 | $0 | $0 | $0 | |
|
21
|
$0 | $0 | $46,870 | $0 | $0 | $0 |
|
22
|
$0 | $0 | $47,118 | $0 | $0 | $0 |
|
23
|
$0 | $0 | $47,363 | $0 | $0 | $0 |
|
24
|
$0 | $0 | $47,605 | $0 | $0 | $0 |
| $0 | $0 | $47,844 | $0 | $0 | $0 | |
|
26
|
$0 | $0 | $48,080 | $0 | $0 | $0 |
|
27
|
$0 | $0 | $48,312 | $0 | $0 | $0 |
|
28
|
$0 | $0 | $48,541 | $0 | $0 | $0 |
|
29
|
$0 | $0 | $48,767 | $0 | $0 | $0 |
| $0 | $0 | $48,990 | $0 | $0 | $0 | |
|
31
|
$0 | $0 | $49,209 | $0 | $0 | $0 |
|
32
|
$0 | $0 | $49,424 | $0 | $0 | $0 |
|
33
|
$0 | $0 | $49,636 | $0 | $0 | $0 |
|
34
|
$0 | $0 | $49,845 | $0 | $0 | $0 |
| $0 | $0 | $50,050 | $0 | $0 | $0 | |
|
36
|
$0 | $0 | $50,251 | $0 | $0 | $0 |
|
37
|
$0 | $0 | $50,449 | $0 | $0 | $0 |
|
38
|
$0 | $0 | $50,643 | $0 | $0 | $0 |
|
39
|
$0 | $0 | $50,834 | $0 | $0 | $0 |
| $0 | $0 | $51,021 | $0 | $0 | $0 | |
|
41
|
$0 | $0 | $51,204 | $0 | $0 | $0 |
|
42
|
$0 | $0 | $51,384 | $0 | $0 | $0 |
|
43
|
$0 | $0 | $51,560 | $0 | $0 | $0 |
|
44
|
$0 | $0 | $51,733 | $0 | $0 | $0 |
|
45
|
$0 | $0 | $51,902 | $0 | $0 | $0 |
Coordonnées
Life Design Analysis
www.lifedesignanalysis.comPoint de contact
Matthew Gauthier
100 Kelloggs Lane Unit #1405
London ON
Canada, N5W 2T5
* Veuillez noter: ce rapport a été créé par votre conseiller. Les produits et les entreprises figurant sur l'enquête de comparaison ultérieure sont, par conséquent, seuls ceux qui ont été choisis par le titulaire du compte. Ceux-ci peuvent refléter ou ne pas refléter l'ensemble des compagnies d'assurance et les produits disponibles sur ce système de comparaison. Nous nous efforçons de maintenir la plus grande précision des informations recueillies, mais nous ne pouvons pas garantir et ne garantissons pas la validité ou l'exactitude de l'information affichée. Erreurs & Omissions Exceptées.
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