Guide pratique
Accumulation vs distribution
Le choix dépend de votre phase de vie financière, pas d'une idéologie.
Points clés
- Accumulation réinvestit
- Distribution verse du cash
- La phase de vie compte
- Fiscalité et opérations comptent
The real difference
With accumulation, dividends stay inside the fund and are reinvested.
With distribution, you receive periodic cash and then decide whether to spend it or reinvest it.
When accumulation fits
Usually during the capital-building phase, when the goal is long-term growth with fewer decisions.
It also reduces the number of operational choices you have to make.
When distribution fits
It can make sense when you want regular cash flow, for example during decumulation.
You still need to evaluate tax impact and the sustainability of the full plan.
Que faire maintenant
Define your phase: building capital or seeking cash flow. Once the why is clear, the product choice becomes simpler.