{"id":26976,"date":"2026-06-17T12:04:31","date_gmt":"2026-06-17T16:04:31","guid":{"rendered":"https:\/\/immigrantquebec.com\/fr\/?p=26976"},"modified":"2026-06-17T15:33:03","modified_gmt":"2026-06-17T19:33:03","slug":"nouveaux-arrivants-au-quebec-batir-sa-confiance-financiere-un-pas-a-la-fois","status":"publish","type":"post","link":"https:\/\/immigrantquebec.com\/fr\/conseils-d-experts\/nouveaux-arrivants-au-quebec-batir-sa-confiance-financiere-un-pas-a-la-fois\/","title":{"rendered":"Nouveaux arrivants au Qu\u00e9bec : b\u00e2tir sa confiance financi\u00e8re, un pas \u00e0 la fois"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"26976\" class=\"elementor elementor-26976\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-daa3b88 e-flex e-con-boxed e-con e-parent\" data-id=\"daa3b88\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c7065d8 elementor-widget elementor-widget-text-editor\" data-id=\"c7065d8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div><i><span lang=\"FR\">Arriver dans un nouveau pays, c\u2019est s\u2019adapter \u00e0 une nouvelle g\u00e9ographie, de nouveaux codes, parfois une nouvelle langue\u2026 Mais il s\u2019agit aussi de se familiariser rapidement avec une autre logique financi\u00e8re.<\/span><\/i><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1700720 e-flex e-con-boxed e-con e-parent\" data-id=\"1700720\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4433542 elementor-widget elementor-widget-spacer\" data-id=\"4433542\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\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 class=\"elementor-element elementor-element-32adb62 elementor-widget elementor-widget-text-editor\" data-id=\"32adb62\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-weight: 400;\">S\u2019il existe <strong><a href=\"https:\/\/www.td.com\/ca\/fr\/services-bancaires-personnels\/produits\/offres-bancaires-pour-nouveaux-arrivants\/quebec\" target=\"_blank\" rel=\"noopener\">des forfaits bancaires avantageux pour nouveaux arrivants<\/a><\/strong>, il est indispensable de faire aussi le tour des astuces qui peuvent vous aider \u00e0 prendre vos finances en main, \u00e0 votre rythme.<\/p><p style=\"font-weight: 400;\">Une fois l\u2019euphorie de l\u2019installation pass\u00e9e, il n\u2019est pas rare de d\u00e9couvrir que certaines d\u00e9penses s\u2019accumulent rapidement\u00a0: loyer, panier d\u2019\u00e9picerie, forfaits internet et cellulaire, garde-robe adapt\u00e9e\u2026<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-762b1cb e-flex e-con-boxed e-con e-parent\" data-id=\"762b1cb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-10b2d1b elementor-blockquote--skin-boxed elementor-widget elementor-widget-blockquote\" data-id=\"10b2d1b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"blockquote.default\">\n\t\t\t\t\t\t\t<blockquote class=\"elementor-blockquote\">\n\t\t\t<p class=\"elementor-blockquote__content\">\n\t\t\t\t<i>Plusieurs nouveaux arrivants cherchent encore leur \u00e9quilibre financier. Un sondage de la TD r\u00e9v\u00e8le que 56 % des nouveaux arrivants estiment ne pas avoir suffisamment d\u2019argent pour vivre confortablement. 40 % d\u2019entre eux souhaiteraient \u00eatre mieux pr\u00e9par\u00e9s pour faire face aux impr\u00e9vus \u00e9conomiques, et 36 % mieux inform\u00e9s pour pr\u00e9parer leur retraite.<\/i>\t\t\t<\/p>\n\t\t\t\t\t<\/blockquote>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c5ccfa9 e-flex e-con-boxed e-con e-parent\" data-id=\"c5ccfa9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7396857 elementor-widget elementor-widget-text-editor\" data-id=\"7396857\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div><span lang=\"FR\">La bonne nouvelle c\u2019est qu\u2019il n\u2019est pas n\u00e9cessaire d\u2019avoir un salaire important pour jouir d\u2019une s\u00e9curit\u00e9 financi\u00e8re. Tout commence par une meilleure compr\u00e9hension du syst\u00e8me et de son fonctionnement. <\/span><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b52fd3d e-flex e-con-boxed e-con e-parent\" data-id=\"b52fd3d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-38dcb98 elementor-blockquote--skin-quotation elementor-widget elementor-widget-blockquote\" data-id=\"38dcb98\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"blockquote.default\">\n\t\t\t\t\t\t\t<blockquote class=\"elementor-blockquote\">\n\t\t\t<p class=\"elementor-blockquote__content\">\n\t\t\t\t<i>\u00ab\u2009\u00c0 la TD, nous savons que les nouveaux arrivants doivent s\u2019adapter \u00e0 de nombreuses r\u00e9alit\u00e9s d\u00e8s leur arriv\u00e9e au Qu\u00e9bec, y compris sur le plan financier. C\u2019est pourquoi nous souhaitons les accompagner avec des conseils accessibles, des outils concrets et des solutions adapt\u00e9es, afin qu\u2019ils puissent prendre confiance et b\u00e2tir leur s\u00e9curit\u00e9 financi\u00e8re \u00e0 leur rythme.\u2009\u00bb<\/i>\t\t\t<\/p>\n\t\t\t\t\t\t\t<div class=\"e-q-footer\">\n\t\t\t\t\t\t\t\t\t\t\t<cite class=\"elementor-blockquote__author\">Laurence Levy, premi\u00e8re vice-pr\u00e9sidente, R\u00e9seau de succursales, r\u00e9gion du Qu\u00e9bec, Groupe Banque TD<\/cite>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/blockquote>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a0dce65 e-flex e-con-boxed e-con e-parent\" data-id=\"a0dce65\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a706701 elementor-widget elementor-widget-spacer\" data-id=\"a706701\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\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 class=\"elementor-element elementor-element-da00044 elementor-widget elementor-widget-heading\" data-id=\"da00044\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><b>Premi\u00e8re \u00e9tape : savoir o\u00f9 va votre argent<\/b><\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b1fd1a1 e-grid e-con-boxed e-con e-parent\" data-id=\"b1fd1a1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dd07a9c elementor-widget elementor-widget-text-editor\" data-id=\"dd07a9c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-weight: 400;\">C\u2019est le conseil sans doute le moins excitant, mais c\u2019est aussi le plus basique.<\/p><p style=\"font-weight: 400;\">Faire un budget ne signifie pas se priver de tout ni surveiller la moindre d\u00e9pense. Il s\u2019agit surtout de comprendre son flux d\u2019argent\u00a0: ce qui entre, ce qui sort, et ce qui dispara\u00eet parfois sans que l\u2019on s\u2019en rende compte.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fd27c3e elementor-widget elementor-widget-image\" data-id=\"fd27c3e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"702\" height=\"468\" src=\"https:\/\/immigrantquebec.com\/fr\/wp-content\/uploads\/2026\/06\/shutterstock_2475707299.jpg\" class=\"attachment-large size-large wp-image-27001\" alt=\"\" srcset=\"https:\/\/immigrantquebec.com\/fr\/wp-content\/uploads\/2026\/06\/shutterstock_2475707299.jpg 1000w, https:\/\/immigrantquebec.com\/fr\/wp-content\/uploads\/2026\/06\/shutterstock_2475707299-300x200.jpg 300w, https:\/\/immigrantquebec.com\/fr\/wp-content\/uploads\/2026\/06\/shutterstock_2475707299-768x512.jpg 768w\" sizes=\"(max-width: 702px) 100vw, 702px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-439d9b4 e-flex e-con-boxed e-con e-parent\" data-id=\"439d9b4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-348f60b elementor-widget elementor-widget-text-editor\" data-id=\"348f60b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Dans les premiers mois suivant son arriv\u00e9e, c\u2019est normal d\u2019avoir l\u2019impression que l\u2019argent sort plus vite qu\u2019il n\u2019entre. L\u2019acc\u00e8s au logement et son \u00e9quipement, l\u2019achat possible d\u2019une voiture, r\u00e9gler les frais d\u2019installation\u2026 Les d\u00e9penses s\u2019accumulent vite.<\/p><p style=\"font-weight: 400;\">Commencez donc par suivre assid\u00fbment vos d\u00e9penses pendant les premiers mois de votre installation\u00a0:<\/p><ul><li>Les co\u00fbts fixes (loyers, abonnements, cr\u00e9dit \u00e9ventuel, assurances, etc.)<\/li><li>Les d\u00e9penses alimentaires et m\u00e9nag\u00e8re<\/li><li>Les d\u00e9penses non essentielles<\/li><\/ul><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">Avisez ensuite ce qui vous semble moins prioritaire. Vous d\u00e9couvrirez que ce sont souvent les d\u00e9penses les moins visibles qui grignotent le plus un budget.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-26c55bb e-flex e-con-boxed e-con e-parent\" data-id=\"26c55bb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3115254 elementor-widget elementor-widget-spacer\" data-id=\"3115254\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\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 class=\"elementor-element elementor-element-a2ba36f elementor-widget elementor-widget-heading\" data-id=\"a2ba36f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><b>L\u2019automatisation : un r\u00e9flexe qu\u00e9b\u00e9cois <\/b><\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ac58901 e-flex e-con-boxed e-con e-parent\" data-id=\"ac58901\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7e9a257 elementor-widget elementor-widget-text-editor\" data-id=\"7e9a257\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-weight: 400;\">Plut\u00f4t qu\u2019attendre et \u00e9pargner ce qu\u2019il vous reste \u00e0 la fin du mois, il serait plus judicieux de prendre l\u2019habitude de <strong><a href=\"https:\/\/www.td.com\/ca\/fr\/services-bancaires-personnels\/conseils\/services-bancaires-courants\/epargne-automatisee\" target=\"_blank\" rel=\"noopener\">virer directement<\/a><\/strong> une petite somme \u00e0 la r\u00e9ception du salaire (qui est hebdomadaire ou bimensuel) sur un autre compte. Peu importe la somme, vous pouvez toujours la modifier \u00e0 la hausse ou \u00e0 la baisse en fonction des al\u00e9as que vous traverserez. L\u2019important est d\u2019acqu\u00e9rir cet automatisme.<\/p><p style=\"font-weight: 400;\">D\u2019ailleurs, la TD propose <strong><a href=\"https:\/\/www.td.com\/ca\/fr\/services-bancaires-personnels\/conseils\/services-bancaires-courants\/epargne-automatisee\" target=\"_blank\" rel=\"noopener\">des outils d\u2019automatisation<\/a><\/strong> qui permettent de mettre de l\u2019argent de c\u00f4t\u00e9 sans y penser.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f3f785a e-flex e-con-boxed e-con e-parent\" data-id=\"f3f785a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c504999 elementor-widget elementor-widget-spacer\" data-id=\"c504999\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\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 class=\"elementor-element elementor-element-26f65a7 elementor-widget elementor-widget-heading\" data-id=\"26f65a7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><b>Utiliser le cr\u00e9dit judicieusement<\/b><\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bdfd2ef e-flex e-con-boxed e-con e-parent\" data-id=\"bdfd2ef\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-502113a elementor-widget elementor-widget-text-editor\" data-id=\"502113a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-weight: 400;\">La carte de cr\u00e9dit est indispensable pour vous permettre de construire votre \u00ab\u2009cote de cr\u00e9dit\u2009\u00bb, autrement dit votre r\u00e9putation financi\u00e8re. Mais son utilisation n\u00e9cessite, elle aussi, de d\u00e9velopper de saines habitudes pour garder le contr\u00f4le sur vos dettes. Un bon exemple est de payer la totalit\u00e9 de votre solde d\u00e9biteur avant son \u00e9ch\u00e9ance, lorsque possible.<\/p><p><span style=\"font-weight: 400;\">Une utilisation \u00e9clair\u00e9e de la carte de cr\u00e9dit peut vous aider \u00e0 \u00e9viter l\u2019accumulation de dettes, g\u00e9n\u00e9ralement soumises \u00e0 des taux d\u2019int\u00e9r\u00eat \u00e9lev\u00e9s, qui peuvent p\u00e9naliser votre budget, votre \u00e9pargne, mais aussi votre cote de cr\u00e9dit.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f2ee2ec e-flex e-con-boxed e-con e-parent\" data-id=\"f2ee2ec\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-555e396 elementor-widget elementor-widget-spacer\" data-id=\"555e396\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\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 class=\"elementor-element elementor-element-6279014 elementor-widget elementor-widget-heading\" data-id=\"6279014\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><b>Compte-ch\u00e8ques, \u00e9pargne, placements : qui fait quoi\u2009?<\/b><\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-dc5c742 e-flex e-con-boxed e-con e-parent\" data-id=\"dc5c742\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-27ed4ba elementor-widget elementor-widget-text-editor\" data-id=\"27ed4ba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-weight: 400;\">Au Qu\u00e9bec, la grande majorit\u00e9 des transactions se font par le compte-ch\u00e8ques\u00a0: versement du salaire et virement pour les factures, la gestion quotidienne et les retraits. Il est compl\u00e9mentaire <strong><a href=\"https:\/\/www.td.com\/ca\/fr\/services-bancaires-personnels\/conseils\/faire-fructifier-son-argent\/comment-commencer-a-epargner\" target=\"_blank\" rel=\"noopener\">du compte d\u2019\u00e9pargne<\/a><\/strong> dont le r\u00f4le est de conserver l\u2019argent en g\u00e9n\u00e9rant un petit int\u00e9r\u00eat.<\/p><p><span style=\"font-weight: 400;\">D\u00e8s que vous en avez la possibilit\u00e9, ne laissez que le minimum sur le compte-ch\u00e8ques afin de ne pas \u00eatre tent\u00e9 de le d\u00e9penser\u2009!<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-679546f e-flex e-con-boxed e-con e-parent\" data-id=\"679546f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4fdbe4f elementor-widget elementor-widget-text-editor\" data-id=\"4fdbe4f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-weight: 400;\">En parall\u00e8le, <strong><a href=\"https:\/\/www.td.com\/ca\/fr\/services-bancaires-personnels\/placements-personnels\/comparaison-celiapp-reer-celi\" target=\"_blank\" rel=\"noopener\">il existe quelques comptes<\/a><\/strong> vous permettant d\u2019\u00e9pargner et d\u2019investir \u00e0 votre rythme.<\/p><ul><li><strong>Le CELI<\/strong> (Compte d\u2019\u00e9pargne libre d\u2019imp\u00f4t) permet, au choix, d\u2019\u00e9pargner ou d\u2019investir tout en \u00e9tant exempt\u00e9 d\u2019imp\u00f4ts sur les gains.<\/li><li><strong>Le CELIAPP<\/strong> (Compte d\u2019\u00e9pargne libre d\u2019imp\u00f4t pour l\u2019achat d\u2019une premi\u00e8re propri\u00e9t\u00e9) peut vraiment \u00eatre une option int\u00e9ressante si vous envisagez de devenir propri\u00e9taire pour la premi\u00e8re fois au Qu\u00e9bec.<\/li><li><strong>Le REER<\/strong> (R\u00e9gime enregistr\u00e9 d\u2019\u00e9pargne-retraite) est davantage inscrit dans une logique de long terme de retraite et poss\u00e8de des avantages fiscaux imm\u00e9diats. Cependant, il est possible d\u2019y souscrire tr\u00e8s t\u00f4t dans sa vie professionnelle.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2a3b5e0 e-flex e-con-boxed e-con e-parent\" data-id=\"2a3b5e0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0f88d39 elementor-widget elementor-widget-image\" data-id=\"0f88d39\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"702\" height=\"395\" src=\"https:\/\/immigrantquebec.com\/fr\/wp-content\/uploads\/2026\/06\/shutterstock_offset_2419782591.jpg\" class=\"attachment-large size-large wp-image-27003\" alt=\"\" srcset=\"https:\/\/immigrantquebec.com\/fr\/wp-content\/uploads\/2026\/06\/shutterstock_offset_2419782591.jpg 1000w, https:\/\/immigrantquebec.com\/fr\/wp-content\/uploads\/2026\/06\/shutterstock_offset_2419782591-300x169.jpg 300w, https:\/\/immigrantquebec.com\/fr\/wp-content\/uploads\/2026\/06\/shutterstock_offset_2419782591-768x432.jpg 768w\" sizes=\"(max-width: 702px) 100vw, 702px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cabf87e e-flex e-con-boxed e-con e-parent\" data-id=\"cabf87e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-da9cdb1 elementor-widget elementor-widget-spacer\" data-id=\"da9cdb1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\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 class=\"elementor-element elementor-element-1881b24 elementor-widget elementor-widget-heading\" data-id=\"1881b24\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><b>Investir ou \u00e9pargner : que choisir\u2009? <\/b><\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c448726 e-flex e-con-boxed e-con e-parent\" data-id=\"c448726\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-28bf43d elementor-widget elementor-widget-text-editor\" data-id=\"28bf43d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-weight: 400;\">Et pourquoi pas les deux\u2009? Mettez de l\u2019argent de c\u00f4t\u00e9, y compris dans un compte \u00e9pargne, qui serait votre filet de s\u00e9curit\u00e9. D\u00e9marrez avec de petites sommes, et vous obtiendrez toujours un meilleur r\u00e9sultat que si ces sommes \u00e9taient rest\u00e9es sur votre compte-ch\u00e8ques.<\/p><p style=\"font-weight: 400;\">Selon votre situation et vos objectifs financiers, il se pourrait que de conserver toutes vos \u00e9conomies dans un compte-\u00e9pargnes ne soit pas la solution id\u00e9ale, alors qu\u2019une partie ou la totalit\u00e9 pourrait \u00eatre investie pour g\u00e9n\u00e9rer une croissance \u00e0 long terme.<\/p><p><span style=\"font-weight: 400;\">Si vous faites partie des 37\u00a0% de nouveaux arrivants sond\u00e9s qui souhaitent investir plus efficacement, un conseiller financier pourra vous aider \u00e0 \u00e9valuer les options qui correspondent \u00e0 votre profil, selon votre tol\u00e9rance au risque, vos objectifs et le moment o\u00f9 vous pourriez avoir besoin de ces fonds.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bba4842 e-flex e-con-boxed e-con e-parent\" data-id=\"bba4842\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-79055cf elementor-blockquote--skin-boxed elementor-widget elementor-widget-blockquote\" data-id=\"79055cf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"blockquote.default\">\n\t\t\t\t\t\t\t<blockquote class=\"elementor-blockquote\">\n\t\t\t<p class=\"elementor-blockquote__content\">\n\t\t\t\t<i>La TD sert ses clients dans plus de 80 langues en succursale ou par t\u00e9l\u00e9phone gr\u00e2ce \u00e0 des services d\u2019interpr\u00e8tes, d\u00e8s l\u2019ouverture d\u2019un compte.<\/i>\t\t\t<\/p>\n\t\t\t\t\t<\/blockquote>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6c95655 e-flex e-con-boxed e-con e-parent\" data-id=\"6c95655\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-42fd2d0 elementor-widget elementor-widget-spacer\" data-id=\"42fd2d0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\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 class=\"elementor-element elementor-element-5b8c69c elementor-widget elementor-widget-heading\" data-id=\"5b8c69c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><b>Une s\u00e9curit\u00e9 financi\u00e8re, \u00e0 votre rythme<\/b><\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4117b41 e-flex e-con-boxed e-con e-parent\" data-id=\"4117b41\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-81059eb elementor-widget elementor-widget-text-editor\" data-id=\"81059eb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-weight: 400;\">Il faut comprendre que construire une s\u00e9curit\u00e9 financi\u00e8re est un apprentissage, qui d\u00e9bute par une bonne lecture du syst\u00e8me qu\u00e9b\u00e9cois et se poursuit avec la mise en place de petits automatismes, au fur et \u00e0 mesure de votre installation.<\/p><p style=\"font-weight: 400;\">\u00c0 cet effet, il existe plusieurs ressources mises \u00e0 votre disposition, comme le nouveau <a href=\"https:\/\/www.td.com\/ca\/fr\/services-bancaires-personnels\/solutions\/nouveaux-arrivants-au-canada\/ressources-dapprentissage\" target=\"_blank\" rel=\"noopener\"><strong>Centre d\u2019apprentissage TD<\/strong><\/a>, qui rassemble toute l\u2019information dont les nouveaux arrivants ont besoin pour bien g\u00e9rer leurs finances au Canada.<\/p><p style=\"font-weight: 400;\">C\u2019est en ma\u00eetrisant progressivement le syst\u00e8me financier canadien que vous pourrez vous construire une s\u00e9curit\u00e9 financi\u00e8re, \u00e0 moyen et \u00e0 plus long terme.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-18c121f e-flex e-con-boxed e-con e-parent\" data-id=\"18c121f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-985e4fe elementor-widget elementor-widget-spacer\" data-id=\"985e4fe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\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 class=\"elementor-element elementor-element-a24b1a0 elementor-blockquote--skin-border elementor-widget elementor-widget-blockquote\" data-id=\"a24b1a0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"blockquote.default\">\n\t\t\t\t\t\t\t<blockquote class=\"elementor-blockquote\">\n\t\t\t<p class=\"elementor-blockquote__content\">\n\t\t\t\t<i>Au-del\u00e0 des institutions financi\u00e8res, les nouveaux arrivants peuvent \u00e9galement se tourner vers des organisations communautaires alors qu\u2019ils s\u2019installent au Qu\u00e9bec. Par exemple, des groupes comme Bienvenue \u00e0 l\u2019immigrant et Code F, dans la Ville de Qu\u00e9bec, sont tous deux soutenus par la TD et offrent du support ainsi que des informations pratiques qui peuvent r\u00e9ellement aider les gens \u00e0 naviguer \u00e0 travers les nombreux jalons de leur parcours. <\/i>\t\t\t<\/p>\n\t\t\t\t\t<\/blockquote>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Arriver dans un nouveau pays, c\u2019est s\u2019adapter \u00e0 une nouvelle g\u00e9ographie, de nouveaux codes, parfois une nouvelle langue\u2026 Mais il s\u2019agit aussi de se familiariser rapidement avec une autre logique financi\u00e8re. S\u2019il existe des forfaits bancaires avantageux pour nouveaux arrivants, il est indispensable de faire aussi le tour des astuces qui peuvent vous aider \u00e0 [&hellip;]<\/p>\n","protected":false},"author":3589,"featured_media":26978,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[103],"tags":[],"class_list":{"0":"post-26976","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-conseils-d-experts","8":"entry"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Nouveaux arrivants au Qu\u00e9bec : b\u00e2tir sa confiance financi\u00e8re, un pas \u00e0 la fois - Immigrant Qu\u00e9bec<\/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:\/\/immigrantquebec.com\/fr\/conseils-d-experts\/nouveaux-arrivants-au-quebec-batir-sa-confiance-financiere-un-pas-a-la-fois\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Nouveaux arrivants au Qu\u00e9bec : b\u00e2tir sa confiance financi\u00e8re, un pas \u00e0 la fois - Immigrant Qu\u00e9bec\" \/>\n<meta property=\"og:description\" content=\"Arriver dans un nouveau pays, c\u2019est s\u2019adapter \u00e0 une nouvelle g\u00e9ographie, de nouveaux codes, parfois une nouvelle langue\u2026 Mais il s\u2019agit aussi de se familiariser rapidement avec une autre logique financi\u00e8re. 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