{"id":302,"date":"2024-06-08T03:24:45","date_gmt":"2024-06-08T03:24:45","guid":{"rendered":"http:\/\/13.82.168.138\/?page_id=302"},"modified":"2024-07-21T21:40:18","modified_gmt":"2024-07-21T21:40:18","slug":"t-5-s-5-reer","status":"publish","type":"page","link":"https:\/\/zhili.ca\/index.php\/t-5-epargne-et-retraite\/t-5-s-5-reer\/","title":{"rendered":"R\u00e9gime Enregistr\u00e9 d’\u00c9pargne-Retraite (REER)"},"content":{"rendered":"\n

Le R\u00e9gime Enregistr\u00e9 d’\u00c9pargne-Retraite (REER) au Canada est un compte b\u00e9n\u00e9ficiant d’avantages fiscaux cr\u00e9\u00e9 par le gouvernement canadien pour aider les r\u00e9sidents \u00e0 \u00e9pargner en vue de la retraite. Les cotisations \u00e0 un REER sont d\u00e9ductibles d’imp\u00f4t, et les investissements croissent en franchise d’imp\u00f4t jusqu’au retrait, fournissant un puissant incitatif pour les individus \u00e0 \u00e9pargner et investir pour leurs ann\u00e9es de retraite.<\/p>\n\n\n\n

Caract\u00e9ristiques Principales :<\/h4>\n\n\n\n
    \n
  1. Avantages Fiscaux<\/strong> : Les gains d’investissement dans un REER sont \u00e0 imposition diff\u00e9r\u00e9e, ce qui signifie que les imp\u00f4ts ne sont pay\u00e9s qu’au moment du retrait, g\u00e9n\u00e9ralement \u00e0 un taux d’imposition plus bas \u00e0 la retraite.<\/li>\n\n\n\n
  2. Limites de Cotisation<\/strong> : La limite de cotisation annuelle est de 18 % du revenu gagn\u00e9 l’ann\u00e9e pr\u00e9c\u00e9dente ou de la limite annuelle maximale (27 830 $ pour 2023), selon le montant le plus bas.<\/li>\n\n\n\n
  3. Investissements Flexibles<\/strong> : Les REER peuvent d\u00e9tenir une vari\u00e9t\u00e9 de produits d’investissement, y compris des actions, des obligations, des fonds communs de placement et des CPG.<\/li>\n\n\n\n
  4. Cotisations Conjointes<\/strong> : Les cotisations peuvent \u00eatre faites \u00e0 un REER de conjoint pour obtenir des avantages fiscaux et aider \u00e0 accumuler des \u00e9conomies de retraite pour les deux conjoints.<\/li>\n\n\n\n
  5. R\u00e8gles de Retrait<\/strong> : Les retraits sont impos\u00e9s comme des revenus, mais peuvent \u00eatre diff\u00e9r\u00e9s jusqu’\u00e0 la retraite, lorsque le taux d’imposition est g\u00e9n\u00e9ralement plus bas.<\/li>\n<\/ol>\n\n\n\n

    Avantages :<\/h4>\n\n\n\n
      \n
    1. Report d’Imp\u00f4t<\/strong> : Profitez du report d’imp\u00f4t sur les cotisations, augmentant ainsi la puissance de la capitalisation.<\/li>\n\n\n\n
    2. S\u00e9curit\u00e9 de Retraite<\/strong> : Fournit une s\u00e9curit\u00e9 financi\u00e8re pour la retraite, assurant une qualit\u00e9 de vie stable.<\/li>\n\n\n\n
    3. Retraits Anticip\u00e9s<\/strong> : Dans des situations sp\u00e9cifiques, telles que le R\u00e9gime d’accession \u00e0 la propri\u00e9t\u00e9 (RAP) pour les acheteurs d’une premi\u00e8re maison ou le R\u00e9gime d’encouragement \u00e0 l’\u00e9ducation permanente (REEP) pour l’\u00e9ducation, les fonds peuvent \u00eatre retir\u00e9s par anticipation sans p\u00e9nalit\u00e9s fiscales imm\u00e9diates.<\/li>\n<\/ol>\n","protected":false},"excerpt":{"rendered":"

      Le R\u00e9gime Enregistr\u00e9 d’\u00c9pargne-Retraite (REER) au Canada est un compte b\u00e9n\u00e9ficiant d’avantages fiscaux cr\u00e9\u00e9 par le gouvernement canadien pour aider les r\u00e9sidents \u00e0 \u00e9pargner en vue de la retraite. Les cotisations \u00e0 un REER sont d\u00e9ductibles d’imp\u00f4t, et les investissements croissent en franchise d’imp\u00f4t jusqu’au retrait, fournissant un puissant incitatif pour les individus \u00e0 \u00e9pargner […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":176,"menu_order":4,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-302","page","type-page","status-publish","hentry"],"blocksy_meta":[],"yoast_head":"\nR\u00e9gime Enregistr\u00e9 d'\u00c9pargne-Retraite (REER) - Zhili Insurance<\/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:\/\/zhili.ca\/index.php\/t-5-epargne-et-retraite\/t-5-s-5-reer\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"R\u00e9gime Enregistr\u00e9 d'\u00c9pargne-Retraite (REER) - Zhili Insurance\" \/>\n<meta property=\"og:description\" content=\"Le R\u00e9gime Enregistr\u00e9 d’\u00c9pargne-Retraite (REER) au Canada est un compte b\u00e9n\u00e9ficiant d’avantages fiscaux cr\u00e9\u00e9 par le gouvernement canadien pour aider les r\u00e9sidents \u00e0 \u00e9pargner en vue de la retraite. 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