{"id":7118,"date":"2019-02-13T17:12:59","date_gmt":"2019-02-13T21:12:59","guid":{"rendered":"https:\/\/immigrantquebec.com\/?p=7118"},"modified":"2024-01-26T12:13:43","modified_gmt":"2024-01-26T16:13:43","slug":"epargnez-avec-le-celi","status":"publish","type":"post","link":"https:\/\/immigrantquebec.com\/fr\/conseils-d-experts\/epargnez-avec-le-celi\/","title":{"rendered":"\u00c9pargnez avec le C\u00c9LI !"},"content":{"rendered":"

Mis \u00e0 jour le 26 janvier 2024<\/em><\/p>\n

Le compte \u00e9pargne libre d\u2019imp\u00f4ts, ou C\u00c9LI, est l\u2019une des \u00e9pargnes pr\u00e9f\u00e9r\u00e9es des Canadiens, et pour cause : il permet de mettre de l\u2019argent de c\u00f4t\u00e9 \u00e0 son rythme et sans \u00eatre p\u00e9nalis\u00e9 par l\u2019imp\u00f4t sur les gains g\u00e9n\u00e9r\u00e9s. Pour mieux en comprendre toutes les subtilit\u00e9s voici quelques informations essentielles \u00e0 conna\u00eetre.<\/em><\/p>\n

Un C\u00c9LI, \u00e0 quoi \u00e7a sert\u2009?<\/strong><\/h2>\n

Il est toujours rassurant d\u2019avoir un peu d\u2019argent de c\u00f4t\u00e9, au cas o\u00f9. Une op\u00e9ration m\u00e9dicale \u00e0 financer, un lave-linge \u00e0 remplacer, un billet d\u2019avion \u00e0 r\u00e9server en derni\u00e8re minute ou simplement des vacances \u00e0 programmer\u2009? Pour \u00e9viter de vous laisser surprendre par les impr\u00e9vus, grands ou petits, de la vie, prenez l\u2019habitude d\u2019alimenter un compte disponible en toute occasion. Le C\u00c9LI est ce qu\u2019il vous faut. Il s\u2019agit d\u2019un un r\u00e9gime fiscal qui peut vous d\u00e9panner rapidement si n\u00e9cessaire, ou vous laisse \u00e9pargner en vue de votre retraite.<\/p>\n

<\/a>Quels sont les avantages du C\u00c9LI\u2009?<\/strong><\/h2>\n

Le CELI est une enveloppe fiscale qui vous permettra de placer des fonds sur le support que vous aurez d\u00e9finit avec votre conseiller financier et dont l\u2019avantage est de d\u00e9fiscaliser les rendements g\u00e9n\u00e9r\u00e9s.<\/p>\n

Il est facile d\u2019utilisation et aussi l\u2019un des comptes les plus flexibles du march\u00e9.<\/p>\n

C\u2019est un produit d\u2019investissement que l\u2019on peut g\u00e9rer m\u00eame sans grandes connaissances bancaires. Un autre avantage est qu\u2019il n\u2019est pas obligatoire d\u2019effectuer des versements fixes : vous y d\u00e9posez de l\u2019argent quand vous le voulez, jusqu\u2019\u00e0 un montant maximum d\u00e9termin\u00e9 \u00e0 l\u2019avance chaque ann\u00e9e avec votre conseiller.<\/p>\n

\u00c0 quelles conditions peut-on ouvrir un C\u00c9LI\u2009?<\/strong><\/h2>\n

Vous voulez ouvrir un C\u00c9LI\u2009? Rien de plus simple. Il vous suffit de remplir trois conditions : avoir 18 ans ou plus, \u00eatre r\u00e9sident fiscal canadien et donc d\u2019avoir l\u2019autorisation de l\u2019Agence du Revenu du Canada (ARC) de cotiser et enfin avoir un num\u00e9ro d\u2019assurance sociale (NAS). Ce sont l\u00e0 les seuls pr\u00e9requis pour ouvrir votre C\u00c9LI. Nous recommandons aux nouveaux arrivants de valider avec l\u2019Agence du Revenu du Canada vos droits.<\/p>\n

Y a-t-il des d\u00e9marches particuli\u00e8res \u00e0 suivre\u2009?<\/strong><\/h2>\n

Vous pouvez acc\u00e9der au compte \u00e9pargne libre d\u2019imp\u00f4ts dans n\u2019importe quel \u00e9tablissement financier en communiquant simplement les justificatifs \u00e9nonc\u00e9s plus haut. Certains d\u2019entre eux vous proposent m\u00eame la possibilit\u00e9 d\u2019en ouvrir un en ligne. Mais \u00e9tant donn\u00e9 que vous pouvez choisir le type de C\u00c9LI auquel vous souhaitez souscrire, il est judicieux de prendre rendez-vous avec un conseiller, qui sera le mieux plac\u00e9 pour vous en expliquer le fonctionnement. Il pourra aussi vous proposer un plan cibl\u00e9, apr\u00e8s avoir dress\u00e9 avec vous un portrait de vos objectifs et de votre <\/a>tol\u00e9rance\u00a0au risque, facteurs indispensables \u00e0 conna\u00eetre pour vous guider \u00e0 votre avantage.<\/p>\n

Doit-on payer des imp\u00f4ts sur les montants cotis\u00e9s et les int\u00e9r\u00eats\u2009?<\/strong><\/h2>\n

Les sommes d\u00e9pos\u00e9es sur le C\u00c9LI ne sont pas d\u00e9ductibles de vos imp\u00f4ts. Mais la bonne nouvelle est que vous ne payez aucun imp\u00f4t non plus sur les gains g\u00e9n\u00e9r\u00e9s. Veillez toutefois \u00e0 ne pas d\u00e9passer le plafond de cotisation que vous \u00eates autoris\u00e9 \u00e0 y d\u00e9poser, ou vous risqueriez de devoir payer en imp\u00f4ts l\u2019\u00e9quivalent de 1 % des contributions exc\u00e9dentaires par mois. En 2024, ce plafond annuel est de 7\u2009000 $ CAN. Toutefois, si vous ouvrez votre CELI cette ann\u00e9e, vous pourrez y d\u00e9poser tous vos droits accumul\u00e9s depuis votre premi\u00e8re ann\u00e9e de r\u00e9sidence fiscale au Canada ou si vous \u00eates fiscalement Canadien depuis 2009.<\/p>\n

Peut-on retirer de l\u2019argent de son C\u00c9LI\u2009?<\/strong><\/h2>\n

Retirer de l\u2019argent ou cl\u00f4turer son C\u00c9LI est possible si le support de placement que vous avez choisi n\u2019est pas bloqu\u00e9. Cette \u00e9pargne est vraiment efficace pour allier flexibilit\u00e9 et non-imposition. De plus, vous n\u2019\u00eates pas oblig\u00e9 de d\u00e9poser des sommes importantes pour commencer et vous seriez surpris de voir ce que vous rapporteront 25 $ CAN par semaine au bout de quelques ann\u00e9es\u2009!<\/p>\n

Enfin, sachez qu\u2019aucun de vos droits aux cr\u00e9dits et vos prestations gouvernementales ne seront pas affect\u00e9s par vos op\u00e9rations sur votre C\u00c9LI. Tout comme cela n\u2019aura aucune incidence sur votre admissibilit\u00e9 aux cr\u00e9dits f\u00e9d\u00e9raux, tels que l\u2019allocation canadienne pour enfant (ACE) ou des prestations bas\u00e9es sur le revenu.<\/p>\n

Prenez contact avec les conseillers de chez Desjardins qui communiqueront avec vous \u00e0 propos de cette solution d\u2019\u00e9pargne. Vous pouvez \u00e9galement trouver un grand nombre d\u2019informations pratiques sur la page d\u00e9di\u00e9e au C\u00c9LI.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

Mis \u00e0 jour le 26 janvier 2024 Le compte \u00e9pargne libre d\u2019imp\u00f4ts, ou C\u00c9LI, est l\u2019une des \u00e9pargnes pr\u00e9f\u00e9r\u00e9es des Canadiens, et pour cause : il permet de mettre de l\u2019argent de c\u00f4t\u00e9 \u00e0 son rythme et sans \u00eatre p\u00e9nalis\u00e9 par l\u2019imp\u00f4t sur les gains g\u00e9n\u00e9r\u00e9s. Pour mieux en comprendre toutes les subtilit\u00e9s voici quelques […]<\/p>\n","protected":false},"author":3501,"featured_media":7119,"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-7118","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":"\n\u00c9pargnez avec le C\u00c9LI ! - 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\/epargnez-avec-le-celi\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u00c9pargnez avec le C\u00c9LI ! - Immigrant Qu\u00e9bec\" \/>\n<meta property=\"og:description\" content=\"Mis \u00e0 jour le 26 janvier 2024 Le compte \u00e9pargne libre d\u2019imp\u00f4ts, ou C\u00c9LI, est l\u2019une des \u00e9pargnes pr\u00e9f\u00e9r\u00e9es des Canadiens, et pour cause : il permet de mettre de l\u2019argent de c\u00f4t\u00e9 \u00e0 son rythme et sans \u00eatre p\u00e9nalis\u00e9 par l\u2019imp\u00f4t sur les gains g\u00e9n\u00e9r\u00e9s. Pour mieux en comprendre toutes les subtilit\u00e9s voici quelques […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/immigrantquebec.com\/fr\/conseils-d-experts\/epargnez-avec-le-celi\/\" \/>\n<meta property=\"og:site_name\" content=\"Immigrant Qu\u00e9bec\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/immigrantquebec\" \/>\n<meta property=\"article:published_time\" content=\"2019-02-13T21:12:59+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-01-26T16:13:43+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/immigrantquebec.com\/fr\/wp-content\/uploads\/2022\/01\/0d096f9a-d21b-4a67-b1e5-f2b99ae26829.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"950\" \/>\n\t<meta property=\"og:image:height\" content=\"400\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Desjardins\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Desjardins\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/immigrantquebec.com\\\/fr\\\/conseils-d-experts\\\/epargnez-avec-le-celi\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/immigrantquebec.com\\\/fr\\\/conseils-d-experts\\\/epargnez-avec-le-celi\\\/\"},\"author\":{\"name\":\"Desjardins\",\"@id\":\"https:\\\/\\\/immigrantquebec.com\\\/fr\\\/#\\\/schema\\\/person\\\/33869643c5ae95840a8f54b77c347777\"},\"headline\":\"\u00c9pargnez avec le C\u00c9LI !\",\"datePublished\":\"2019-02-13T21:12:59+00:00\",\"dateModified\":\"2024-01-26T16:13:43+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/immigrantquebec.com\\\/fr\\\/conseils-d-experts\\\/epargnez-avec-le-celi\\\/\"},\"wordCount\":820,\"publisher\":{\"@id\":\"https:\\\/\\\/immigrantquebec.com\\\/fr\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/immigrantquebec.com\\\/fr\\\/conseils-d-experts\\\/epargnez-avec-le-celi\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/immigrantquebec.com\\\/fr\\\/wp-content\\\/uploads\\\/2022\\\/01\\\/0d096f9a-d21b-4a67-b1e5-f2b99ae26829.jpg\",\"articleSection\":[\"Conseils d'experts\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/immigrantquebec.com\\\/fr\\\/conseils-d-experts\\\/epargnez-avec-le-celi\\\/\",\"url\":\"https:\\\/\\\/immigrantquebec.com\\\/fr\\\/conseils-d-experts\\\/epargnez-avec-le-celi\\\/\",\"name\":\"\u00c9pargnez avec le C\u00c9LI ! 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