{"id":1209,"date":"2022-03-07T16:59:45","date_gmt":"2022-03-07T16:59:45","guid":{"rendered":"https:\/\/veltistafinancial.ca\/regime-enregistre-depargne-retraite-reer\/"},"modified":"2022-10-05T20:08:43","modified_gmt":"2022-10-05T20:08:43","slug":"regime-enregistre-depargne-retraite-reer","status":"publish","type":"page","link":"https:\/\/veltistafinancial.ca\/fr\/regime-enregistre-depargne-retraite-reer\/","title":{"rendered":"R\u00e9gime enregistr\u00e9 d&rsquo;\u00e9pargne-retraite (REER)"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1209\" class=\"elementor elementor-1209 elementor-544\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-51b4b06e elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"51b4b06e\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-6ed1cd45\" data-id=\"6ed1cd45\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1f4d20d6 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"1f4d20d6\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">R\u00e9gime enregistr\u00e9 d'\u00e9pargne-retraite (REER)<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-323037b1 elementor-widget elementor-widget-text-editor\" data-id=\"323037b1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Le compte d&rsquo;\u00e9pargne qui continue \u00e0 donner<\/strong><\/p><p>Un REER vous offre des \u00e9conomies d&rsquo;imp\u00f4t aujourd&rsquo;hui, vous aide \u00e0 acheter votre premi\u00e8re maison et abrite votre argent afin que vous puissiez \u00e9pargner davantage et prendre votre retraite plus confortablement demain.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-225a8b37\" data-id=\"225a8b37\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;slideshow&quot;,&quot;background_slideshow_gallery&quot;:[],&quot;background_slideshow_loop&quot;:&quot;yes&quot;,&quot;background_slideshow_slide_duration&quot;:5000,&quot;background_slideshow_slide_transition&quot;:&quot;fade&quot;,&quot;background_slideshow_transition_duration&quot;:500}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3d4f936d elementor-widget elementor-widget-image\" data-id=\"3d4f936d\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"621\" height=\"500\" src=\"https:\/\/veltistafinancial.ca\/wp-content\/uploads\/2022\/10\/Veltista_RRSPCouple_Hero.png\" class=\"attachment-large size-large wp-image-2520\" alt=\"\" srcset=\"https:\/\/veltistafinancial.ca\/wp-content\/uploads\/2022\/10\/Veltista_RRSPCouple_Hero.png 621w, https:\/\/veltistafinancial.ca\/wp-content\/uploads\/2022\/10\/Veltista_RRSPCouple_Hero-300x242.png 300w\" sizes=\"(max-width: 621px) 100vw, 621px\" style=\"width:100%;height:80.52%;max-width:621px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5e225f9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5e225f9\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-06fb08f\" data-id=\"06fb08f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-baa5c48 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"baa5c48\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" id=\"bd3724cc-7d34-4acf-a91b-396a30fb1670\" data-name=\"Calque 1\" viewBox=\"0 0 55.05 52.59\"><defs><style>.a60e9283-d0db-4c3a-94ef-e468012e2787{fill:url(#a135a7eb-cce4-4a0e-a655-78258a8aef01);}<\/style><radialGradient id=\"a135a7eb-cce4-4a0e-a655-78258a8aef01\" cx=\"50.92\" cy=\"56.28\" r=\"82.38\" gradientUnits=\"userSpaceOnUse\"><stop offset=\"0\" stop-color=\"#038dcd\"><\/stop><stop offset=\"1\" stop-color=\"#134a9c\"><\/stop><\/radialGradient><\/defs><path class=\"a60e9283-d0db-4c3a-94ef-e468012e2787\" d=\"M12.78,37.85c-4.56,0-8.67-1.43-11-3.84A5.75,5.75,0,0,1,0,30a.5.5,0,0,1,.5-.5A.5.5,0,0,1,1,30a4.78,4.78,0,0,0,1.5,3.34c2.11,2.18,6.05,3.53,10.28,3.53S21,35.5,23.06,33.32A4.75,4.75,0,0,0,24.57,30a.5.5,0,0,1,.5-.5.5.5,0,0,1,.5.5,5.75,5.75,0,0,1-1.79,4C21.46,36.42,17.35,37.85,12.78,37.85Z\"><\/path><path class=\"a60e9283-d0db-4c3a-94ef-e468012e2787\" d=\"M23.42,41.54a.49.49,0,0,1-.35-.15.49.49,0,0,1,0-.7,4.74,4.74,0,0,0,1.51-3.34.5.5,0,0,1,.5-.5.5.5,0,0,1,.5.5,5.75,5.75,0,0,1-1.79,4A.48.48,0,0,1,23.42,41.54Z\"><\/path><path class=\"a60e9283-d0db-4c3a-94ef-e468012e2787\" d=\"M2.15,41.54a.48.48,0,0,1-.36-.16,5.75,5.75,0,0,1-1.79-4,.5.5,0,0,1,.5-.5.5.5,0,0,1,.5.5,4.76,4.76,0,0,0,1.5,3.34.49.49,0,0,1,0,.7A.5.5,0,0,1,2.15,41.54Z\"><\/path><path class=\"a60e9283-d0db-4c3a-94ef-e468012e2787\" d=\"M12.78,23.11c-4.56,0-8.67-1.44-11-3.84a5.75,5.75,0,0,1-1.79-4,.5.5,0,0,1,.5-.5.5.5,0,0,1,.5.5,4.78,4.78,0,0,0,1.5,3.34c2.11,2.18,6.05,3.53,10.28,3.53S21,20.76,23.06,18.58a4.75,4.75,0,0,0,1.51-3.34.5.5,0,0,1,.5-.5.5.5,0,0,1,.5.5,5.75,5.75,0,0,1-1.79,4C21.46,21.67,17.35,23.11,12.78,23.11Z\"><\/path><path class=\"a60e9283-d0db-4c3a-94ef-e468012e2787\" d=\"M12.78,15.74C5.73,15.74,0,12.21,0,7.87S5.73,0,12.78,0,25.57,3.53,25.57,7.87,19.83,15.74,12.78,15.74ZM12.78,1C6.29,1,1,4.08,1,7.87s5.29,6.87,11.78,6.87,11.79-3.08,11.79-6.87S19.28,1,12.78,1Z\"><\/path><path class=\"a60e9283-d0db-4c3a-94ef-e468012e2787\" d=\"M12.78,30.48c-4.56,0-8.67-1.44-11-3.84a5.75,5.75,0,0,1-1.79-4,.5.5,0,0,1,.5-.5.5.5,0,0,1,.5.5A4.78,4.78,0,0,0,2.5,26c2.11,2.18,6.05,3.53,10.28,3.53S21,28.13,23.06,26a4.75,4.75,0,0,0,1.51-3.34.5.5,0,0,1,.5-.5.5.5,0,0,1,.5.5,5.75,5.75,0,0,1-1.79,4C21.46,29,17.35,30.48,12.78,30.48Z\"><\/path><path class=\"a60e9283-d0db-4c3a-94ef-e468012e2787\" d=\"M12.78,52.59C5.73,52.59,0,49.06,0,44.72a.5.5,0,0,1,.5-.5.5.5,0,0,1,.5.5c0,3.79,5.29,6.87,11.78,6.87s11.79-3.08,11.79-6.87a.5.5,0,0,1,.5-.5.5.5,0,0,1,.5.5C25.57,49.06,19.83,52.59,12.78,52.59Z\"><\/path><path class=\"a60e9283-d0db-4c3a-94ef-e468012e2787\" d=\"M12.78,45.22c-4.56,0-8.67-1.43-11-3.84a.48.48,0,0,1,0-.7.5.5,0,0,1,.71,0c2.1,2.18,6,3.53,10.27,3.53S21,42.87,23.06,40.69a.5.5,0,0,1,.72.69C21.46,43.79,17.35,45.22,12.78,45.22Z\"><\/path><path class=\"a60e9283-d0db-4c3a-94ef-e468012e2787\" d=\"M25.07,45.22a.5.5,0,0,1-.5-.5V7.87a.5.5,0,0,1,.5-.5.5.5,0,0,1,.5.5V44.72A.5.5,0,0,1,25.07,45.22Z\"><\/path><path class=\"a60e9283-d0db-4c3a-94ef-e468012e2787\" d=\"M.5,45.22a.5.5,0,0,1-.5-.5V7.87a.5.5,0,0,1,.5-.5.5.5,0,0,1,.5.5V44.72A.5.5,0,0,1,.5,45.22Z\"><\/path><path class=\"a60e9283-d0db-4c3a-94ef-e468012e2787\" 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d=\"M42.26,45.22c-4.56,0-8.67-1.43-11-3.84a5.75,5.75,0,0,1-1.79-4,.5.5,0,0,1,1,0A4.78,4.78,0,0,0,32,40.69c2.11,2.18,6.05,3.53,10.28,3.53s8.18-1.35,10.28-3.53a4.75,4.75,0,0,0,1.51-3.34.5.5,0,0,1,.5-.5.5.5,0,0,1,.5.5,5.75,5.75,0,0,1-1.79,4C50.94,43.79,46.83,45.22,42.26,45.22Z\"><\/path><path class=\"a60e9283-d0db-4c3a-94ef-e468012e2787\" d=\"M54.55,45.22a.5.5,0,0,1-.5-.5V22.61a.5.5,0,0,1,.5-.5.5.5,0,0,1,.5.5V44.72A.5.5,0,0,1,54.55,45.22Z\"><\/path><path class=\"a60e9283-d0db-4c3a-94ef-e468012e2787\" d=\"M30,45.22a.5.5,0,0,1-.5-.5V22.61a.5.5,0,0,1,1,0V44.72A.5.5,0,0,1,30,45.22Z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-355a783 elementor-widget elementor-widget-heading\" data-id=\"355a783\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Payez moins d'imp\u00f4ts aujourd'hui<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-50c68f9 elementor-widget elementor-widget-text-editor\" data-id=\"50c68f9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Le REER r\u00e9duit votre revenu imposable, ce qui vous permet d&rsquo;\u00e9pargner davantage pour votre retraite.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-dea8b0f\" data-id=\"dea8b0f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bd933b2 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"bd933b2\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" id=\"fdd67229-404a-478a-a446-fdd77839ad94\" data-name=\"Calque 1\" viewBox=\"0 0 69.21 69.21\"><defs><style>.ae42e86c-f99d-4da1-819e-f950cc0e832d{fill:url(#b5aaab54-71e3-44c6-96ea-f9ce84a8f7c5);}<\/style><radialGradient id=\"b5aaab54-71e3-44c6-96ea-f9ce84a8f7c5\" cx=\"74.1\" cy=\"70.59\" r=\"95.62\" gradientUnits=\"userSpaceOnUse\"><stop offset=\"0\" stop-color=\"#038dcd\"><\/stop><stop offset=\"1\" stop-color=\"#134a9c\"><\/stop><\/radialGradient><\/defs><path class=\"ae42e86c-f99d-4da1-819e-f950cc0e832d\" d=\"M25.56,44.94A6.46,6.46,0,1,1,32,38.48,6.47,6.47,0,0,1,25.56,44.94Zm0-10.33a3.88,3.88,0,1,0,3.88,3.87A3.87,3.87,0,0,0,25.56,34.61Z\"><\/path><path class=\"ae42e86c-f99d-4da1-819e-f950cc0e832d\" d=\"M46.23,55.28a6.46,6.46,0,1,1,6.46-6.46A6.47,6.47,0,0,1,46.23,55.28Zm0-10.34a3.88,3.88,0,1,0,3.88,3.88A3.88,3.88,0,0,0,46.23,44.94Z\"><\/path><path class=\"ae42e86c-f99d-4da1-819e-f950cc0e832d\" d=\"M48.71,45.56a1.29,1.29,0,0,1-1.06-2l13-18.71a1.31,1.31,0,0,1,1.8-.32,1.29,1.29,0,0,1,.32,1.8L49.77,45A1.28,1.28,0,0,1,48.71,45.56Z\"><\/path><path class=\"ae42e86c-f99d-4da1-819e-f950cc0e832d\" d=\"M41.61,47.81a1.18,1.18,0,0,1-.58-.14L29.61,41.94a1.29,1.29,0,1,1,1.16-2.31l11.42,5.73a1.3,1.3,0,0,1,.57,1.74A1.28,1.28,0,0,1,41.61,47.81Z\"><\/path><path class=\"ae42e86c-f99d-4da1-819e-f950cc0e832d\" d=\"M4.89,65.61a1.28,1.28,0,0,1-.8-.28,1.3,1.3,0,0,1-.21-1.82l17.44-21.8a1.29,1.29,0,1,1,2,1.61L5.9,65.13A1.3,1.3,0,0,1,4.89,65.61Z\"><\/path><path class=\"ae42e86c-f99d-4da1-819e-f950cc0e832d\" d=\"M4.89,65.61A1.29,1.29,0,0,1,3.6,64.32V4.89a1.3,1.3,0,0,1,2.59,0V64.32A1.3,1.3,0,0,1,4.89,65.61Z\"><\/path><path class=\"ae42e86c-f99d-4da1-819e-f950cc0e832d\" d=\"M64.32,65.61H4.89a1.29,1.29,0,1,1,0-2.58H64.32a1.29,1.29,0,0,1,0,2.58Z\"><\/path><path class=\"ae42e86c-f99d-4da1-819e-f950cc0e832d\" d=\"M64.32,37.19a1.3,1.3,0,0,1-1.26-1l-2.27-9.08L51.71,29.4a1.29,1.29,0,0,1-.62-2.51l10.33-2.58a1.31,1.31,0,0,1,1.57.94l2.58,10.33a1.29,1.29,0,0,1-.94,1.57A1.1,1.1,0,0,1,64.32,37.19Z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5f0744c elementor-widget elementor-widget-heading\" data-id=\"5f0744c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Gardez plus de votre argent<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b88c4f7 elementor-widget elementor-widget-text-editor\" data-id=\"b88c4f7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Laissez votre placement fructifier \u00e0 l&rsquo;abri de l&rsquo;imp\u00f4t aujourd&rsquo;hui jusqu&rsquo;\u00e0 ce que vous le retiriez \u00e0 la retraite. G\u00e9n\u00e9ralement \u00e0 un taux d&rsquo;imposition inf\u00e9rieur.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-1f14ba8\" data-id=\"1f14ba8\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-669a9ac elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"669a9ac\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" id=\"ac2f2b4b-3388-4f9c-a501-e85d5a4b6333\" data-name=\"Calque 1\" viewBox=\"0 0 94.39 61.9\"><defs><style>.b30e5ea6-7c56-4a4e-b10f-738f0b441023{fill:url(#eb53f396-1972-42a2-b4f0-8c30bc18e0d5);}<\/style><radialGradient id=\"eb53f396-1972-42a2-b4f0-8c30bc18e0d5\" cx=\"63.64\" cy=\"53.78\" r=\"84.2\" gradientUnits=\"userSpaceOnUse\"><stop offset=\"0\" stop-color=\"#038dcd\"><\/stop><stop offset=\"1\" stop-color=\"#134a9c\"><\/stop><\/radialGradient><\/defs><path class=\"b30e5ea6-7c56-4a4e-b10f-738f0b441023\" d=\"M41.26,61.9H20.63V34.82A3.87,3.87,0,0,1,24.5,31H37.39a3.87,3.87,0,0,1,3.87,3.87Zm-18-2.58H38.68V34.82a1.29,1.29,0,0,0-1.29-1.29H24.5a1.29,1.29,0,0,0-1.29,1.29Z\"><\/path><path class=\"b30e5ea6-7c56-4a4e-b10f-738f0b441023\" d=\"M50.29,61.9H11.61A3.87,3.87,0,0,1,7.74,58V28.37H1.29A1.29,1.29,0,0,1,0,27.08V23.32a3.86,3.86,0,0,1,1.76-3.24L30.21.28a1.28,1.28,0,0,1,1.47,0L43.84,8.74V3.87A3.88,3.88,0,0,1,47.71,0h2.58a3.87,3.87,0,0,1,3.87,3.86l0,12.06,6,4.17a3.85,3.85,0,0,1,1.74,3.23v3.76a1.29,1.29,0,0,1-1.29,1.29H54.16V58A3.88,3.88,0,0,1,50.29,61.9ZM2.58,25.79H9a1.29,1.29,0,0,1,1.29,1.29V58a1.29,1.29,0,0,0,1.29,1.29H50.29A1.29,1.29,0,0,0,51.58,58V27.08a1.29,1.29,0,0,1,1.29-1.29h6.45V23.32a1.28,1.28,0,0,0-.59-1.08l0,0-6.55-4.56a1.28,1.28,0,0,1-.55-1.06l0-12.73a1.29,1.29,0,0,0-1.29-1.29H47.71a1.29,1.29,0,0,0-1.29,1.29V11.2a1.29,1.29,0,0,1-.69,1.15,1.28,1.28,0,0,1-1.33-.09L31,2.91,3.2,22.22a1.3,1.3,0,0,0-.62,1.1Z\"><\/path><path class=\"b30e5ea6-7c56-4a4e-b10f-738f0b441023\" d=\"M79.39,32.84a2.67,2.67,0,0,1-1.89-.78L62.12,16.78a1.26,1.26,0,0,1-.38-.92V2.79A2.54,2.54,0,0,1,64.31.19H77.38a1.3,1.3,0,0,1,.91.38L93.61,15.92a2.72,2.72,0,0,1,0,3.84L81.34,32a2.73,2.73,0,0,1-1.94.81ZM64.32,15.33l15,14.9L91.76,17.94h0a.15.15,0,0,0,0-.2l-14.94-15H64.33Z\"><\/path><path class=\"b30e5ea6-7c56-4a4e-b10f-738f0b441023\" d=\"M78.9,23.71a1.25,1.25,0,0,1-.91-.38,1.29,1.29,0,0,1,0-1.82l2.62-2.62C82,17.62,82.17,16.54,81.76,16s-2.07-.73-3.86.5c-3.65,2.4-6.52,1.85-7.74.23s-1-4.13,1.82-6.62l3-2.85a1.29,1.29,0,1,1,1.76,1.88L73.71,12c-1.53,1.34-1.91,2.62-1.5,3.15s2,.66,4.25-.82c3.25-2.21,6.07-1.52,7.32.05s1.17,4-1.39,6.33l-2.58,2.58A1.25,1.25,0,0,1,78.9,23.71Z\"><\/path><path class=\"b30e5ea6-7c56-4a4e-b10f-738f0b441023\" d=\"M84.18,23.35A1.29,1.29,0,0,1,83.3,23L68.19,8.8A1.29,1.29,0,1,1,70,6.92l15.12,14.2a1.29,1.29,0,0,1-.89,2.23Z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7ccfcbb elementor-widget elementor-widget-heading\" data-id=\"7ccfcbb\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Utilisez-le pour vous aider \u00e0 payer votre premi\u00e8re maison<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c8556ae elementor-widget elementor-widget-text-editor\" data-id=\"c8556ae\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div><span lang=\"EN-US\">Utilisez l&rsquo;argent que vous avez \u00e9pargn\u00e9 dans votre REER non seulement pour \u00e9conomiser de l&rsquo;imp\u00f4t sur le revenu, mais aussi pour aider \u00e0 payer votre premi\u00e8re maison gr\u00e2ce au R\u00e9gime d&rsquo;accession \u00e0 la propri\u00e9t\u00e9. <\/span><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-bd5e032 elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"bd5e032\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-562f5a3\" data-id=\"562f5a3\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e20036a elementor-widget elementor-widget-heading\" data-id=\"e20036a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Qu'est-ce qu'un REER?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cdd5659 elementor-widget elementor-widget-text-editor\" data-id=\"cdd5659\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Discutez avec un conseiller de l&rsquo;ouverture d&rsquo;un REER et aidez-le \u00e0 choisir les placements qui vous conviennent.<\/li><li>Trouvez le bon droit de cotisation qui est \u00e9quilibr\u00e9 entre votre planification de la retraite et vos objectifs actuels.<\/li><li>D\u00e9couvrez comment vos cotisations \u00e0 votre REER peuvent r\u00e9duire votre imp\u00f4t sur le revenu global.<\/li><li>Profitez de la croissance de votre placement sans vous soucier des imp\u00f4ts.<\/li><li>Acc\u00e9dez \u00e0 l&rsquo;argent lors de l&rsquo;achat de votre premi\u00e8re maison gr\u00e2ce au r\u00e9gime d&rsquo;accession \u00e0 la propri\u00e9t\u00e9 (RAP).<\/li><li>Lorsque vous prenez votre retraite ou l&rsquo;ann\u00e9e de vos 71 ans, votre REER se transforme en un fonds enregistr\u00e9 de revenu de retraite (FERR). \u00c0 ce stade, vous pouvez commencer \u00e0 retirer votre montant annuel minimum ou vous pouvez envisager de le convertir en une rente de revenu.<br><a href=\"http:\/\/jnf.30b.myftpupload.com\/registered-retirement-income-fund-rrif\/\"><strong style=\"font-family: var(--list--font-family); color: #038dcd;\">En savoir plus sur le FERR &gt;<\/strong><\/a><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0e8dfa9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0e8dfa9\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-bc94d61\" data-id=\"bc94d61\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-60993b5 elementor-widget elementor-widget-toggle\" data-id=\"60993b5\" data-element_type=\"widget\" data-widget_type=\"toggle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1011\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1011\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Comment \u00e7a marche?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1011\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1011\"><p>Chaque ann\u00e9e, vous pouvez cotiser un montant limit\u00e9 \u00e0 votre REER. Ce montant appara\u00eet g\u00e9n\u00e9ralement sur votre avis de cotisation annuel ou vous pouvez obtenir plus d&rsquo;informations en vous connectant au site Web de l&rsquo;Agence du revenu du Canada. Si vous avez manqu\u00e9 une ann\u00e9e, les droits de cotisation sont g\u00e9n\u00e9ralement report\u00e9s.<\/p><p> <\/p><p>Les droits de cotisation sont calcul\u00e9s par l&rsquo;ARC en tenant compte de ces trois crit\u00e8res :<\/p><ul><li>Soit 18% de votre revenu gagn\u00e9 d\u00e9clar\u00e9 sur la d\u00e9claration de revenus de l&rsquo;ann\u00e9e derni\u00e8re ou 27 830 $ (plafond annuel de 2021)<\/li><li>Votre total de droits de d\u00e9duction inutilis\u00e9s de l&rsquo;ann\u00e9e pr\u00e9c\u00e9dente<\/li><li>Assurez-vous de soustraire toutes les retenues de pension de la pr\u00e9c\u00e9dente si n\u00e9cessaire<\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1012\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1012\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Que se passe-t-il si vous d\u00e9passez vos droits de cotisation dans votre REER ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1012\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-1012\"><p>Vous devrez <strong>1 % par mois<\/strong> d&rsquo;imp\u00f4t sur toute cotisation exc\u00e9dentaire sup\u00e9rieure \u00e0 2 000 $. Si vous ne payez pas ces taxes suppl\u00e9mentaires dans les 90 jours suivant l&rsquo;ann\u00e9e civile, vous devrez faire face \u00e0 davantage de p\u00e9nalit\u00e9s et de frais d&rsquo;int\u00e9r\u00eats.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1013\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-1013\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Quels sont les avantages fiscaux ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1013\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-1013\"><p>Un REER vous offre des avantages tant \u00e0 court terme qu&rsquo;\u00e0 long terme.<\/p><p> <\/p><p><strong>Avantages \u00e0 court terme<\/strong><\/p><p>En cotisant \u00e0 votre REER, vous planifiez non seulement votre retraite, mais vous r\u00e9duisez \u00e9galement votre revenu imposable. Par exemple, si vous aviez un salaire annuel de 75 000 $ et que vous d\u00e9cidiez de maximiser votre cotisation REER pour cette ann\u00e9e-l\u00e0, vous cotiseriez 13 500 $. Au moment de payer vos imp\u00f4ts sur le revenu, l&rsquo;ARC n&rsquo;imposera que les 61 500 $.<\/p><p> <\/p><p><strong>Avantages \u00e0 long terme <\/strong><\/p><p>En plus d&rsquo;\u00e9conomiser sur vos imp\u00f4ts sur le revenu aujourd&rsquo;hui, vous permettez \u00e9galement \u00e0 votre investissement de cro\u00eetre et de s&rsquo;accumuler sans payer d&rsquo;imp\u00f4t sur les revenus de placement. Vous ne paierez de l&rsquo;imp\u00f4t sur le revenu des particuliers que lorsque vous retirerez l&rsquo;argent \u00e0 la retraite, g\u00e9n\u00e9ralement dans une tranche d&rsquo;imposition inf\u00e9rieure.<\/p><p><strong> <\/strong><\/p><p><strong>R\u00e8gles g\u00e9n\u00e9rales r\u00e9gissant vos cotisations REER <\/strong><\/p><p>Il existe deux r\u00e8gles de cotisation au REER :<\/p><p> <\/p><ol><li>Le 31 d\u00e9cembre de l&rsquo;ann\u00e9e o\u00f9 vous atteignez l&rsquo;\u00e2ge de 71 ans, vous ne pouvez plus cotiser \u00e0 votre REER.<\/li><li>Vous pouvez cotiser jusqu&rsquo;\u00e0 un maximum de ce que l&rsquo;ARC permet, sinon il y aura des p\u00e9nalit\u00e9s.<\/li><\/ol><p> <\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1014\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-1014\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Quel type de placement pouvez-vous d\u00e9tenir dans votre REER?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1014\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-1014\"><p>Vous pouvez \u00eatre s\u00fbr qu&rsquo;en parlant avec l&rsquo;un de nos conseillers, vous obtiendrez toutes les informations dont vous avez besoin pour prendre la d\u00e9cision la plus \u00e9clair\u00e9e d&rsquo;investir dans une police de <span style=\"color: #038dcd;\"><strong>fonds communs de placement<\/strong><\/span> ou de <span style=\"color: #038dcd;\"><strong>fonds distincts<\/strong><\/span>.<\/p><p><strong> <\/strong><\/p><p><strong>Date limite de cotisation<\/strong><\/p><p>La date limite pour cotiser \u00e0 votre REER ou \u00e0 celui de votre conjoint est le 1er mars de chaque ann\u00e9e. Vous pouvez choisir de demander la d\u00e9duction pour cette ann\u00e9e ou l&rsquo;ann\u00e9e pr\u00e9c\u00e9dente, selon ce qui vous semble le plus logique sur le plan financier.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1015\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-1015\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Pouvez-vous retirer de votre REER?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1015\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-1015\"><p>Rien ne peut vous emp\u00eacher de retirer de votre REER, mais il y a quelques \u00e9l\u00e9ments \u00e0 consid\u00e9rer si vous le faites :<\/p><p> <\/p><p><strong>Red\u00e9finissez vos objectifs de retraite<\/strong><\/p><p>Le calendrier de vos plans de retraite peut \u00eatre prolong\u00e9 et l&rsquo;impact \u00e0 long terme qu&rsquo;il peut avoir sur votre \u00e9pargne peut \u00eatre grandement impact\u00e9.<\/p><p> <\/p><p><strong>Je dois payer des imp\u00f4ts tout de suite<\/strong><\/p><p>Des retenues \u00e0 la source seront appliqu\u00e9es (le montant retenu d\u00e9pend du montant que vous retirez) et le montant retir\u00e9 sera ajout\u00e9 \u00e0 votre revenu cette ann\u00e9e-l\u00e0. <\/p><p><strong> <\/strong><\/p><p><strong>Perdez vos droits de cotisation<\/strong><\/p><p>Vous perdrez d\u00e9finitivement les droits de cotisation si vous retirez de votre REER.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1016\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-1016\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Quand est-il temps de retirer de votre REER?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1016\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-1016\"><p>Vous pouvez retirer de l&rsquo;argent de votre REER lorsque vous achetez votre premi\u00e8re maison gr\u00e2ce au <span style=\"color: #038dcd;\"><strong><em>R\u00e9gime d&rsquo;accession \u00e0 la propri\u00e9t\u00e9<\/em><\/strong><\/span>.<\/p><p><strong> <\/strong><\/p><p>Vous et votre conjoint pouvez retirer jusqu&rsquo;\u00e0 35 000 $ chacun de vos REER et profiter du r\u00e9gime d&rsquo;accession \u00e0 la propri\u00e9t\u00e9. Pour \u00eatre admissible, les fonds REER que vous utilisez doivent \u00eatre d\u00e9pos\u00e9s pendant au moins 90 jours dans votre compte. Vous devez re-cotiser le montant qui a \u00e9t\u00e9 retir\u00e9 pour l&rsquo;acompte dans les 15 ans, sinon vous serez impos\u00e9 dessus. Le remboursement commence g\u00e9n\u00e9ralement 2 ans apr\u00e8s l&rsquo;ann\u00e9e civile du retrait.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1017\" class=\"elementor-tab-title\" data-tab=\"7\" role=\"button\" aria-controls=\"elementor-tab-content-1017\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Qu'est-ce qu'un REER collectif?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1017\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"region\" aria-labelledby=\"elementor-tab-title-1017\"><p>Un REER collectif est un r\u00e9gime d&rsquo;\u00e9pargne habituellement offert par votre employeur. Il est similaire \u00e0 un REER ordinaire, mais offre l&rsquo;avantage de vous permettre de d\u00e9duire votre \u00e9pargne de votre salaire, ce qui en fait une \u00e9pargne plus courante. Parfois, des contributions de contrepartie de votre employeur sont \u00e9galement propos\u00e9es.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-777bb2be elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"777bb2be\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2045af1a\" data-id=\"2045af1a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-68aded27 eael-table-align-center eael-dt-th-align-left elementor-widget elementor-widget-eael-data-table\" data-id=\"68aded27\" data-element_type=\"widget\" data-widget_type=\"eael-data-table.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>\n\t\t\t@media (max-width: 767px) {\n\t\t\t   #eael-data-table-wrapper-68aded27.custom-responsive-option-enable .eael-data-table thead {\n                    display: none;\n               }\n               #eael-data-table-wrapper-68aded27.custom-responsive-option-enable .eael-data-table tbody tr td {\n                    float: none;\n                    clear: left;\n                    width: 100%;\n                    text-align: left;\n                    display: flex;\n                    align-items: center;\n                }\n\t\t\t}\n\t\t\t<\/style>\t\t<div class=\"eael-data-table-wrap custom-responsive-option-enable\" data-table_id=\"68aded27\" id=\"eael-data-table-wrapper-68aded27\" data-custom_responsive=\"true\">\n\t\t\t<table class=\"tablesorter eael-data-table center\" id=\"eael-data-table-68aded27\">\n\t\t\t    <thead>\n\t\t\t        <tr class=\"table-header\">\n\t\t\t\t\t\t\t\t\t            <th class=\"\" id=\"\" colspan=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"data-table-header-text\"><\/span><\/th>\n\t\t\t        \t\t\t\t            <th class=\"\" id=\"\" colspan=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"data-table-header-text\"><b>REER<\/span><\/th>\n\t\t\t        \t\t\t\t            <th class=\"\" id=\"\" colspan=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"data-table-header-text\"><b>CELI<\/span><\/th>\n\t\t\t        \t\t\t\t        <\/tr>\n\t\t\t    <\/thead>\n\t\t\t  \t<tbody>\n\t\t\t\t\t\t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<b>Quand pouvez-vous commencer \u00e0 investir? \t\t\t\t\t\t\t\t\t\t\t\t<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tLorsque vous atteignez l&rsquo;\u00e2ge de 18 ans, r\u00e9sidez au Canada et d\u00e9tenez un num\u00e9ro d&rsquo;assurance social canadien valide.\t\t\t\t\t\t\t\t\t\t\t\t<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tLorsque vous avez d\u00e9clar\u00e9 un revenu et d\u00e9pos\u00e9 vos imp\u00f4ts sur le revenu l&rsquo;ann\u00e9e pr\u00e9c\u00e9dente. \t\t\t\t\t\t\t\t\t\t\t\t<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t        \t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<b>Combien de temps le compte reste-t-il ouvert ? \t\t\t\t\t\t\t\t\t\t\t\t<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tLe 31 d\u00e9cembre de l&rsquo;ann\u00e9e o\u00f9 vous atteignez l&rsquo;\u00e2ge de 71 ans, puis transf\u00e9r\u00e9 dans un <span style=\"color: #038dcd\"><a style=\"color: #038dcd\" href=\"http:\/\/jnf.30b.myftpupload.com\/registered-retirement-income-fund-rrif\/\"><strong>FERR<\/strong><\/a><\/span>\t\t\t\t\t\t\t\t\t\t\t\t<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Pour la vie<\/p>\t\t\t\t\t\t\t\t\t\t\t\t<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t        \t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<b>Quelle est la date limite de cotisation ?\t\t\t\t\t\t\t\t\t\t\t\t<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tLe 1er mars. Vous pouvez d\u00e9cider \u00e0 quelle ann\u00e9e vous souhaitez appliquer l&rsquo;avantage imposable. Vous pouvez choisir entre 2021 et 2022. \t\t\t\t\t\t\t\t\t\t\t\t<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tIl n&rsquo;y en a pas.\t\t\t\t\t\t\t\t\t\t\t\t<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t        \t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<b>Qu&rsquo;est-ce que la marge de cotisation ? \t\t\t\t\t\t\t\t\t\t\t\t<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tLe montant le moins \u00e9lev\u00e9 de 18 % de votre revenu gagn\u00e9 l&rsquo;an dernier ou la limite annuelle de 27 830 $ de 2021, plus tout droit de cotisation report\u00e9 inutilis\u00e9, moins tout rajustement de pension\t\t\t\t\t\t\t\t\t\t\t\t<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t6 000 $ pour 2022, plus tout retrait d&rsquo;une ann\u00e9e pr\u00e9c\u00e9dente et tout droit de cotisation inutilis\u00e9 report\u00e9 de l&rsquo;ann\u00e9e pr\u00e9c\u00e9dente\t\t\t\t\t\t\t\t\t\t\t\t<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t        \t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<b>Pouvez-vous retirer votre argent quand vous le souhaitez ?\t\t\t\t\t\t\t\t\t\t\t\t<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tLe droit de cotisation est d\u00e9finitivement perdu. \t\t\t\t\t\t\t\t\t\t\t\t<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tLes droits de cotisation ne sont jamais perdus. C&rsquo;est juste ajout\u00e9 \u00e0 l&rsquo;ann\u00e9e suivante.\t\t\t\t\t\t\t\t\t\t\t\t<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t        \t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<b>Quels sont les avantages imposables ?\t\t\t\t\t\t\t\t\t\t\t\t<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tVos revenus de placement sont \u00e0 l&rsquo;abri de l&rsquo;imp\u00f4t et vos imp\u00f4ts sur le revenu sont report\u00e9s jusqu&rsquo;\u00e0 votre retraite. L&rsquo;argent que vous retirez est impos\u00e9 \u00e0 votre taux d&rsquo;imposition marginal, qui est g\u00e9n\u00e9ralement inf\u00e9rieur lorsque vous \u00eates \u00e0 la retraite.\t\t\t\t\t\t\t\t\t\t\t\t<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tLa cotisation ne r\u00e9duira pas votre revenu imposable. Cependant, votre argent est facile d&rsquo;acc\u00e8s et 100 % \u00e0 l&rsquo;abri de l&rsquo;imp\u00f4t, ce qui signifie que vous ne paierez aucun imp\u00f4t sur les revenus\/b\u00e9n\u00e9fices tir\u00e9s de vos investissements. \t\t\t\t\t\t\t\t\t\t\t\t<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t        \t\t\t    <\/tbody>\n\t\t\t<\/table>\n\t\t<\/div>\n\t  \t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6731b4a elementor-widget elementor-widget-spacer\" data-id=\"6731b4a\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-73515c6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"73515c6\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6b095a4\" data-id=\"6b095a4\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fcee442 elementor-widget elementor-widget-spacer\" data-id=\"fcee442\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-37f29cb elementor-widget elementor-widget-heading\" data-id=\"37f29cb\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Nous pouvons vous aider \u00e0 commencer \u00e0 \u00e9pargner et \u00e0 investir d\u00e8s aujourd'hui.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5cf01bc elementor-widget elementor-widget-text-editor\" data-id=\"5cf01bc\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Notre \u00e9quipe peut r\u00e9pondre \u00e0 toutes vos questions, comprendre votre situation et vous aider \u00e0 choisir une couverture adapt\u00e9e \u00e0 vos besoins.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-31b8710 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"31b8710\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Contactez un conseiller<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-445c127 elementor-widget elementor-widget-spacer\" data-id=\"445c127\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>R\u00e9gime enregistr\u00e9 d&rsquo;\u00e9pargne-retraite (REER) Le compte d&rsquo;\u00e9pargne qui continue \u00e0 donner Un REER vous offre des \u00e9conomies d&rsquo;imp\u00f4t aujourd&rsquo;hui, vous aide \u00e0 acheter votre premi\u00e8re maison et abrite votre argent afin que vous puissiez \u00e9pargner davantage et prendre votre retraite plus confortablement demain. Payez moins d&rsquo;imp\u00f4ts aujourd&rsquo;hui Le REER r\u00e9duit votre revenu imposable, ce qui&hellip; <a class=\"more-link\" href=\"https:\/\/veltistafinancial.ca\/fr\/regime-enregistre-depargne-retraite-reer\/\">Poursuivre la lecture <span class=\"screen-reader-text\">R\u00e9gime enregistr\u00e9 d&rsquo;\u00e9pargne-retraite (REER)<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-1209","page","type-page","status-publish","hentry","entry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>R\u00e9gime enregistr\u00e9 d&#039;\u00e9pargne-retraite (REER) - Veltista - Financial Services | Services financiers<\/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:\/\/veltistafinancial.ca\/fr\/regime-enregistre-depargne-retraite-reer\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"R\u00e9gime enregistr\u00e9 d&#039;\u00e9pargne-retraite (REER) - Veltista - Financial Services | Services financiers\" \/>\n<meta property=\"og:description\" content=\"R\u00e9gime enregistr\u00e9 d&rsquo;\u00e9pargne-retraite (REER) Le compte d&rsquo;\u00e9pargne qui continue \u00e0 donner Un REER vous offre des \u00e9conomies d&rsquo;imp\u00f4t aujourd&rsquo;hui, vous aide \u00e0 acheter votre premi\u00e8re maison et abrite votre argent afin que vous puissiez \u00e9pargner davantage et prendre votre retraite plus confortablement demain. Payez moins d&rsquo;imp\u00f4ts aujourd&rsquo;hui Le REER r\u00e9duit votre revenu imposable, ce qui&hellip; Poursuivre la lecture R\u00e9gime enregistr\u00e9 d&rsquo;\u00e9pargne-retraite (REER)\" \/>\n<meta property=\"og:url\" content=\"https:\/\/veltistafinancial.ca\/fr\/regime-enregistre-depargne-retraite-reer\/\" \/>\n<meta property=\"og:site_name\" content=\"Veltista - Financial Services | Services financiers\" \/>\n<meta property=\"article:modified_time\" content=\"2022-10-05T20:08:43+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/veltistafinancial.ca\/wp-content\/uploads\/2022\/10\/Veltista_RRSPCouple_Hero.png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data1\" content=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/veltistafinancial.ca\/fr\/regime-enregistre-depargne-retraite-reer\/\",\"url\":\"https:\/\/veltistafinancial.ca\/fr\/regime-enregistre-depargne-retraite-reer\/\",\"name\":\"R\u00e9gime enregistr\u00e9 d'\u00e9pargne-retraite (REER) - Veltista - Financial Services | Services financiers\",\"isPartOf\":{\"@id\":\"https:\/\/veltistafinancial.ca\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/veltistafinancial.ca\/fr\/regime-enregistre-depargne-retraite-reer\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/veltistafinancial.ca\/fr\/regime-enregistre-depargne-retraite-reer\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/veltistafinancial.ca\/wp-content\/uploads\/2022\/10\/Veltista_RRSPCouple_Hero.png\",\"datePublished\":\"2022-03-07T16:59:45+00:00\",\"dateModified\":\"2022-10-05T20:08:43+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/veltistafinancial.ca\/fr\/regime-enregistre-depargne-retraite-reer\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/veltistafinancial.ca\/fr\/regime-enregistre-depargne-retraite-reer\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/veltistafinancial.ca\/fr\/regime-enregistre-depargne-retraite-reer\/#primaryimage\",\"url\":\"https:\/\/veltistafinancial.ca\/wp-content\/uploads\/2022\/10\/Veltista_RRSPCouple_Hero.png\",\"contentUrl\":\"https:\/\/veltistafinancial.ca\/wp-content\/uploads\/2022\/10\/Veltista_RRSPCouple_Hero.png\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/veltistafinancial.ca\/fr\/regime-enregistre-depargne-retraite-reer\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/veltistafinancial.ca\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"R\u00e9gime enregistr\u00e9 d&rsquo;\u00e9pargne-retraite (REER)\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/veltistafinancial.ca\/#website\",\"url\":\"https:\/\/veltistafinancial.ca\/\",\"name\":\"Veltista - Financial Services | Services financiers\",\"description\":\"Insurance, Saving and Investing solutions\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/veltistafinancial.ca\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"R\u00e9gime enregistr\u00e9 d'\u00e9pargne-retraite (REER) - Veltista - Financial Services | Services financiers","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:\/\/veltistafinancial.ca\/fr\/regime-enregistre-depargne-retraite-reer\/","og_locale":"fr_FR","og_type":"article","og_title":"R\u00e9gime enregistr\u00e9 d'\u00e9pargne-retraite (REER) - Veltista - Financial Services | Services financiers","og_description":"R\u00e9gime enregistr\u00e9 d&rsquo;\u00e9pargne-retraite (REER) Le compte d&rsquo;\u00e9pargne qui continue \u00e0 donner Un REER vous offre des \u00e9conomies d&rsquo;imp\u00f4t aujourd&rsquo;hui, vous aide \u00e0 acheter votre premi\u00e8re maison et abrite votre argent afin que vous puissiez \u00e9pargner davantage et prendre votre retraite plus confortablement demain. 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