{"id":13995,"date":"2019-11-14T17:38:42","date_gmt":"2019-11-14T22:38:42","guid":{"rendered":"https:\/\/www.commoncause.org\/retirement-funds-or-iras\/"},"modified":"2024-12-10T15:20:56","modified_gmt":"2024-12-10T20:20:56","slug":"fonds-de-retraite-ou-iras","status":"publish","type":"page","link":"https:\/\/www.commoncause.org\/fr\/donate\/retirement-funds-or-iras\/","title":{"rendered":"Dons par IRA ou compte de retraite"},"content":{"rendered":"","protected":false},"excerpt":{"rendered":"","protected":false},"author":33,"featured_media":0,"parent":1284,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":""},"class_list":["post-13995","page","type-page","status-publish","hentry"],"acf":{"header":{"component_page_header":{"header_type":"default","title":"","lead":"","image":"","subnavigation":false}},"sidebar":{"helper_enable_sidebar":false,"helper_media_contact":{"heading":"Media Contact","manually_enter_person":false,"person":"","name":"","role":"","phone":"","email":""},"helper_links_downloads":{"heading":"Links & Downloads","links":null}},"page_layout":[{"acf_fc_layout":"layout_wysiwyg","_acfe_flexible_toggle":"","component_wysiwyg":{"content":"Donating to Common Cause through your IRA or other retirement accounts can be a tax-efficient way to support our mission. Here's how it works and the benefits it provides:\u00a0<\/span>\r\n\r\nPour inclure Common Cause comme b\u00e9n\u00e9ficiaire de votre plan de retraite ou d\u2019un autre plan de planification financi\u00e8re, remplissez simplement un formulaire de \u00ab Changement de b\u00e9n\u00e9ficiaire \u00bb aupr\u00e8s de votre fournisseur de plan.\u00a0<\/span>\u00a0<\/span>\r\n\r\nVous aurez besoin des informations suivantes pour remplir le formulaire :<\/span>\u00a0<\/span>\r\n\r\nFonds d'\u00e9ducation pour une cause commune<\/span>\r\nAttention : <\/span>Sam Anderson-Chinnes<\/span>\r\n805, 15e rue Nord-Ouest, bureau 800<\/span>\r\nWashington, DC 20005<\/span>\r\nNum\u00e9ro d'identification fiscale 31-1705370<\/span>\u00a0<\/span>\r\n\r\nSi vous avez des questions sur la mani\u00e8re de faire un don d'un IRA ou d'un plan de retraite, ou si vous avez besoin de plus de d\u00e9tails, n'h\u00e9sitez pas \u00e0 contacter l'\u00e9quipe des membres au <\/span>giving@commoncause.org<\/span><\/a>.<\/span>\u00a0<\/span>\r\n\r\nDistributions caritatives qualifi\u00e9es (QCD)<\/strong><\/span>\u00a0<\/span>\r\n
    \r\n \t
  1. Admissibilit\u00e9<\/strong><\/span>:<\/span><\/li>\r\n<\/ol>\r\n
      \r\n \t
    • \u00c2ge requis<\/strong><\/span>:Vous devez avoir au moins 70 ans et demi pour effectuer une distribution caritative qualifi\u00e9e (QCD) \u00e0 partir de votre IRA.<\/span><\/li>\r\n \t
    • Type de compte<\/strong><\/span>:Le QCD doit provenir d'un IRA traditionnel, bien que certains r\u00e9gimes de retraite parrain\u00e9s par l'employeur puissent \u00eatre \u00e9ligibles s'ils sont d'abord transf\u00e9r\u00e9s dans un IRA.<\/span><\/li>\r\n<\/ul>\r\n
        \r\n \t
      1. Avantages fiscaux<\/strong><\/span>:<\/span><\/li>\r\n<\/ol>\r\n
          \r\n \t
        • \u00c9viter l'imp\u00f4t sur le revenu<\/strong><\/span>:Les QCD sont exclus de votre revenu imposable. Cela peut \u00eatre avantageux car cela peut vous aider \u00e0 \u00e9viter des tranches d'imposition sur le revenu plus \u00e9lev\u00e9es et une \u00e9ventuelle imposition sur les prestations de s\u00e9curit\u00e9 sociale.<\/span><\/li>\r\n \t
        • Distributions minimales requises (RMD)<\/strong><\/span>:Les QCD comptent pour vos distributions minimales requises (RMD), que vous devez commencer \u00e0 percevoir \u00e0 l'\u00e2ge de 73 ans. En dirigeant ces distributions vers des \u0153uvres caritatives, vous pouvez r\u00e9duire votre revenu imposable.<\/span><\/li>\r\n<\/ul>\r\n
            \r\n \t
          1. Limites de contribution<\/strong><\/span>:<\/span><\/li>\r\n<\/ol>\r\n
              \r\n \t
            • Limite annuelle<\/strong><\/span>:Vous pouvez faire un don jusqu'\u00e0 $100 000 par an directement depuis votre IRA \u00e0 un organisme de bienfaisance qualifi\u00e9 comme Common Cause.<\/span><\/li>\r\n \t
            • Couples mari\u00e9s<\/strong><\/span>:Si les deux conjoints ont un IRA et ont au moins 70 ans et demi, chacun peut donner jusqu'\u00e0 $100 000, soit un total de $200 000 par an.<\/span><\/li>\r\n<\/ul>\r\nComment cr\u00e9er un QCD pour une cause commune<\/strong><\/span>\u00a0<\/span>\r\n
                \r\n \t
              1. Contactez votre d\u00e9positaire IRA<\/strong><\/span>:<\/span><\/li>\r\n<\/ol>\r\n
                  \r\n \t
                • Informez le d\u00e9positaire de votre IRA que vous souhaitez effectuer une distribution caritative admissible \u00e0 Common Cause. Il vous fournira les formulaires et instructions n\u00e9cessaires.<\/span><\/li>\r\n<\/ul>\r\n
                    \r\n \t
                  1. Fournir des informations sur les \u0153uvres caritatives<\/strong><\/span>:<\/span><\/li>\r\n<\/ol>\r\n
                      \r\n \t
                    • Fournissez \u00e0 votre gardien les d\u00e9tails suivants concernant Common Cause\u00a0:<\/span><\/li>\r\n \t
                    • Nom l\u00e9gal<\/strong><\/span>:Fonds d'\u00e9ducation pour une cause commune<\/span><\/li>\r\n \t
                    • Adresse<\/strong><\/span>: 805 15th Street NW, Suite 800, Washington, DC 20005<\/span><\/li>\r\n \t
                    • Num\u00e9ro d'identification fiscale<\/strong><\/span>: 31-1705370\u00a0<\/span><\/li>\r\n<\/ul>\r\n
                        \r\n \t
                      1. Pr\u00e9cisez le montant<\/strong><\/span>:<\/span><\/li>\r\n<\/ol>\r\n
                          \r\n \t
                        • Indiquez le montant que vous souhaitez donner. N'oubliez pas que la distribution doit \u00eatre effectu\u00e9e directement de votre IRA \u00e0 Common Cause pour \u00eatre consid\u00e9r\u00e9e comme un QCD.<\/span><\/li>\r\n<\/ul>\r\n
                            \r\n \t
                          1. Tenir des registres<\/strong><\/span>:<\/span><\/li>\r\n<\/ol>\r\n
                              \r\n \t
                            • Conservez une copie de la lettre d'instructions adress\u00e9e au d\u00e9positaire de votre IRA et toute correspondance de Common Cause accusant r\u00e9ception de votre don. Cette documentation est essentielle pour vos dossiers fiscaux.<\/span><\/li>\r\n<\/ul>\r\n\u00a0<\/span>\u00a0<\/span>\r\n\r\nConsid\u00e9rations suppl\u00e9mentaires<\/strong><\/span>\u00a0<\/span>\r\n
                                \r\n \t
                              1. Comptes de retraite non IRA<\/strong><\/span>:<\/span><\/li>\r\n<\/ol>\r\n
                                  \r\n \t
                                • Si vous avez d'autres comptes de retraite, tels qu'un 401(k) ou un 403(b), vous devrez peut-\u00eatre transf\u00e9rer ces fonds dans un IRA traditionnel avant d'effectuer un QCD.<\/span><\/li>\r\n<\/ul>\r\n
                                    \r\n \t
                                  1. Planification fiscale<\/strong><\/span>:<\/span><\/li>\r\n<\/ol>\r\n
                                      \r\n \t
                                    • Consultez un conseiller fiscal pour comprendre l\u2019impact des QCD sur votre situation fiscale globale. Cela peut vous aider \u00e0 maximiser les avantages de votre strat\u00e9gie de dons de bienfaisance.<\/span><\/li>\r\n<\/ul>\r\n
                                        \r\n \t
                                      1. Timing<\/strong><\/span>:<\/span><\/li>\r\n<\/ol>\r\n
                                          \r\n \t
                                        • Assurez-vous que la distribution soit termin\u00e9e avant le 31 d\u00e9cembre si vous souhaitez qu'elle soit comptabilis\u00e9e dans votre RMD pour l'ann\u00e9e en cours. Lancez le processus t\u00f4t pour \u00e9viter tout retard.<\/span><\/li>\r\n<\/ul>"}}]},"yoast_head":"\nIRA or Retirement Account Giving - Common Cause<\/title>\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.commoncause.org\/fr\/faire-un-don\/fonds-de-retraite-ou-iras\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"IRA or Retirement Account Giving\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.commoncause.org\/fr\/faire-un-don\/fonds-de-retraite-ou-iras\/\" \/>\n<meta property=\"og:site_name\" content=\"Common Cause\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/CommonCause\" \/>\n<meta property=\"article:modified_time\" content=\"2024-12-10T20:20:56+00:00\" \/>\n<meta property=\"og:image\" 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