{"id":308,"date":"2024-06-08T03:39:17","date_gmt":"2024-06-08T03:39:17","guid":{"rendered":"http:\/\/13.82.168.138\/?page_id=308"},"modified":"2024-07-21T22:11:05","modified_gmt":"2024-07-21T22:11:05","slug":"t-5-s-6-celi","status":"publish","type":"page","link":"https:\/\/zhili.ca\/index.php\/t-5-epargne-et-retraite\/t-5-s-6-celi\/","title":{"rendered":"Compte d’\u00e9pargne libre d’imp\u00f4t (CELI)"},"content":{"rendered":"\n

Le Compte d’\u00e9pargne libre d’imp\u00f4t (CELI) au Canada est un plan d’\u00e9pargne introduit par le gouvernement canadien pour aider les r\u00e9sidents \u00e0 accumuler de la richesse de mani\u00e8re non imposable. Tous les revenus de placement dans un CELI, y compris les int\u00e9r\u00eats, les dividendes et les gains en capital, sont exon\u00e9r\u00e9s d’imp\u00f4t, ce qui rend le CELI un outil d’\u00e9pargne tr\u00e8s flexible et attractif.<\/p>\n\n\n\n

Caract\u00e9ristiques principales :<\/h4>\n\n\n\n
    \n
  1. Avantages fiscaux<\/strong> : Tous les revenus de placement dans un CELI sont exon\u00e9r\u00e9s d’imp\u00f4t, et les retraits sont \u00e9galement non imposables.<\/li>\n\n\n\n
  2. Limite de cotisation<\/strong> : La limite de cotisation annuelle est fix\u00e9e par le gouvernement, avec une limite de 6 500 CAD pour 2023. Les droits de cotisation inutilis\u00e9s peuvent \u00eatre report\u00e9s aux ann\u00e9es futures.<\/li>\n\n\n\n
  3. Flexibilit\u00e9<\/strong> : Les comptes CELI peuvent \u00eatre utilis\u00e9s pour divers v\u00e9hicules de placement, tels que les d\u00e9p\u00f4ts d’\u00e9pargne, les actions, les obligations et les fonds communs de placement. Les retraits sont illimit\u00e9s et le montant retir\u00e9 peut \u00eatre recontribu\u00e9 dans les ann\u00e9es futures.<\/li>\n\n\n\n
  4. \u00c9ligibilit\u00e9 large<\/strong> : Tout r\u00e9sident canadien \u00e2g\u00e9 de 18 ans et plus peut ouvrir un compte CELI, sans obligation de d\u00e9clarer les revenus \u00e0 des fins fiscales.<\/li>\n<\/ol>\n\n\n\n

    Avantages :<\/h4>\n\n\n\n
      \n
    1. Croissance exon\u00e9r\u00e9e d’imp\u00f4t<\/strong> : Tous les revenus de placement dans le compte sont exon\u00e9r\u00e9s d’imp\u00f4t, maximisant la croissance de la richesse.<\/li>\n\n\n\n
    2. Retraits flexibles<\/strong> : Retirez des fonds \u00e0 tout moment sans affecter la limite de cotisation.<\/li>\n\n\n\n
    3. Usages multiples<\/strong> : Peut \u00eatre utilis\u00e9 pour l’\u00e9pargne \u00e0 court terme, les investissements \u00e0 long terme, les fonds d’urgence, etc., r\u00e9pondant \u00e0 divers objectifs financiers.<\/li>\n<\/ol>\n","protected":false},"excerpt":{"rendered":"

      Le Compte d’\u00e9pargne libre d’imp\u00f4t (CELI) au Canada est un plan d’\u00e9pargne introduit par le gouvernement canadien pour aider les r\u00e9sidents \u00e0 accumuler de la richesse de mani\u00e8re non imposable. Tous les revenus de placement dans un CELI, y compris les int\u00e9r\u00eats, les dividendes et les gains en capital, sont exon\u00e9r\u00e9s d’imp\u00f4t, ce qui rend […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":176,"menu_order":5,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-308","page","type-page","status-publish","hentry"],"blocksy_meta":[],"yoast_head":"\nCompte d'\u00e9pargne libre d'imp\u00f4t (CELI) - 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-6-celi\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Compte d'\u00e9pargne libre d'imp\u00f4t (CELI) - Zhili Insurance\" \/>\n<meta property=\"og:description\" content=\"Le Compte d’\u00e9pargne libre d’imp\u00f4t (CELI) au Canada est un plan d’\u00e9pargne introduit par le gouvernement canadien pour aider les r\u00e9sidents \u00e0 accumuler de la richesse de mani\u00e8re non imposable. Tous les revenus de placement dans un CELI, y compris les int\u00e9r\u00eats, les dividendes et les gains en capital, sont exon\u00e9r\u00e9s d’imp\u00f4t, ce qui rend […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/zhili.ca\/index.php\/t-5-epargne-et-retraite\/t-5-s-6-celi\/\" \/>\n<meta property=\"og:site_name\" content=\"Zhili Insurance\" \/>\n<meta property=\"article:modified_time\" content=\"2024-07-21T22:11:05+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/zhili.ca\/index.php\/t-5-epargne-et-retraite\/t-5-s-6-celi\/\",\"url\":\"https:\/\/zhili.ca\/index.php\/t-5-epargne-et-retraite\/t-5-s-6-celi\/\",\"name\":\"Compte d'\u00e9pargne libre d'imp\u00f4t (CELI) - Zhili Insurance\",\"isPartOf\":{\"@id\":\"https:\/\/zhili.ca\/#website\"},\"datePublished\":\"2024-06-08T03:39:17+00:00\",\"dateModified\":\"2024-07-21T22:11:05+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/zhili.ca\/index.php\/t-5-epargne-et-retraite\/t-5-s-6-celi\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/zhili.ca\/index.php\/t-5-epargne-et-retraite\/t-5-s-6-celi\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/zhili.ca\/index.php\/t-5-epargne-et-retraite\/t-5-s-6-celi\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/zhili.ca\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"T.5-\u00c9pargne et retraite\",\"item\":\"https:\/\/zhili.ca\/index.php\/t-5-epargne-et-retraite\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Compte d’\u00e9pargne libre d’imp\u00f4t (CELI)\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/zhili.ca\/#website\",\"url\":\"https:\/\/zhili.ca\/\",\"name\":\"Zhili Insurance\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/zhili.ca\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/zhili.ca\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/zhili.ca\/#organization\",\"name\":\"Zhili Insurance\",\"url\":\"https:\/\/zhili.ca\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/zhili.ca\/#\/schema\/logo\/image\/\",\"url\":\"http:\/\/dev.zhili.ca\/wp-content\/uploads\/2024\/06\/Zhili-Inverted-Color-Transparent-bg.png\",\"contentUrl\":\"http:\/\/dev.zhili.ca\/wp-content\/uploads\/2024\/06\/Zhili-Inverted-Color-Transparent-bg.png\",\"width\":7500,\"height\":2700,\"caption\":\"Zhili Insurance\"},\"image\":{\"@id\":\"https:\/\/zhili.ca\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.youtube.com\/channel\/UCpXxLLunyMH4EUT6zbPV4Hw\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Compte d'\u00e9pargne libre d'imp\u00f4t (CELI) - Zhili Insurance","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/zhili.ca\/index.php\/t-5-epargne-et-retraite\/t-5-s-6-celi\/","og_locale":"en_US","og_type":"article","og_title":"Compte d'\u00e9pargne libre d'imp\u00f4t (CELI) - Zhili Insurance","og_description":"Le Compte d’\u00e9pargne libre d’imp\u00f4t (CELI) au Canada est un plan d’\u00e9pargne introduit par le gouvernement canadien pour aider les r\u00e9sidents \u00e0 accumuler de la richesse de mani\u00e8re non imposable. 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