{"id":7828,"date":"2015-09-20T14:50:09","date_gmt":"2015-09-20T18:50:09","guid":{"rendered":"https:\/\/immigrantquebec.com\/?p=7828"},"modified":"2024-01-26T15:10:57","modified_gmt":"2024-01-26T19:10:57","slug":"celi-ou-reer-et-pourquoi-pas-les-deux","status":"publish","type":"post","link":"https:\/\/immigrantquebec.com\/fr\/conseils-d-experts\/celi-ou-reer-et-pourquoi-pas-les-deux\/","title":{"rendered":"CELI ou REER ? Et pourquoi pas les deux !"},"content":{"rendered":"

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

Au Qu\u00e9bec, le compte d\u2019\u00e9pargne libre d\u2019imp\u00f4t<\/strong> (CELI) et le r\u00e9gime enregistr\u00e9 d’\u00e9pargne retraite<\/strong> sont les deux principaux r\u00e9gimes d’\u00e9pargne auxquels vous pouvez cotiser \u00e0 titre individuel. Mais lequel choisir et pourquoi ? En fait, ces deux produits sont compl\u00e9mentaires. S’ils permettent tous les deux de mettre de l’argent de c\u00f4t\u00e9 \u00e0 l’abri de l’imp\u00f4t, ils r\u00e9pondent \u00e0 des besoins diff\u00e9rents.<\/p>\n

Le CELI<\/strong><\/h3>\n

Le CELI est un r\u00e9gime d’\u00e9pargne enregistr\u00e9 avantageux sur le plan fiscal. En effet, les sommes que vous y placez et les revenus qu’il g\u00e9n\u00e8re ne sont pas imposables \u2013 m\u00eame lorsque vous retirez de l’argent. En revanche, vous ne pouvez pas d\u00e9duire vos cotisations au CELI de votre revenu imposable. Ce sont les deux principales diff\u00e9rences entre le CELI et le REER. De plus, si vous ne cotisez pas le montant maximal chaque ann\u00e9e, vous pouvez reporter le montant inutilis\u00e9 sur les ann\u00e9es suivantes. LE CELI est donc l’outil tout indiqu\u00e9 pour \u00e9pargner en vue d’un projet : acheter une voiture, r\u00e9nover la maison, cr\u00e9er une entreprise, faire un voyage, etc.<\/p>\n

Le REER<\/strong><\/h3>\n

Le REER, pour sa part, est principalement con\u00e7u pour \u00e9pargner en vue de la retraite. Il faut savoir qu’au Qu\u00e9bec et au Canada, les r\u00e9gimes publics ne pr\u00e9voient que de faibles rentes pour les personnes retrait\u00e9es. C’est pourquoi la majorit\u00e9 des contribuables cotisent \u00e0 un REER pour s’assurer de pouvoir conserver un niveau de vie suffisant lorsqu’ils cesseront de travailler. Tout comme le CELI, le REER permet d’accumuler des \u00e9conomies \u00e0 l’abri de l’imp\u00f4t. Cependant, les cotisations \u00e0 un REER sont d\u00e9ductibles du revenu imposable, contrairement au CELI. Toutefois, si vous retirez de l’argent de votre REER, le montant de votre retrait est imposable. C’est pourquoi le REER est un outil d’\u00e9pargne \u00e0 long terme, id\u00e9al pour augmenter ses revenus \u00e0 la retraite.<\/p>\n

L’union fait la force<\/strong><\/h3>\n

Dans certains cas, combiner CELI et REER peut aussi \u00eatre une solution particuli\u00e8rement int\u00e9ressante. Par exemple, le CELI peut devenir tr\u00e8s utile lorsque le REER ne suffit plus \u00e0 vous faire \u00e9conomiser de l\u2019imp\u00f4t. En effet, les cotisations \u00e0 un REER ne peuvent pas d\u00e9passer 18\u00a0% du revenu gagn\u00e9 l\u2019ann\u00e9e pr\u00e9c\u00e9dente. Vous pouvez aussi utiliser les fonds plac\u00e9s dans un REER jusqu’\u00e0 concurrence de 25\u00a0000 $ pour faire l’acquisition d’une maison en vertu du R\u00e9gime d\u2019accession \u00e0 la propri\u00e9t\u00e9 (RAP)<\/strong> et ce, sans impact fiscal. Cette strat\u00e9gie est souvent tr\u00e8s efficace : la somme ainsi d\u00e9gag\u00e9e, combin\u00e9e au retrait non imposable de vos cotisations \u00e0 un CELI, permet d\u2019augmenter votre mise de fonds et donc, de r\u00e9duire le montant de votre pr\u00eat hypoth\u00e9caire. Le REER peut aussi servir \u00e0 reprendre ou poursuivre des \u00e9tudes. Le R\u00e9gime d\u2019encouragement \u00e0 l\u2019\u00e9ducation permanente ou REEP<\/strong> vous permet de retirer de votre REER jusqu\u2019\u00e0 20\u00a0000\u00a0$ sur une p\u00e9riode de 4 ans pour financer vos \u00e9tudes ou celles de votre conjoint. Vous ne payerez pas d\u2019imp\u00f4t sur ces retraits, \u00e0 condition de rembourser l\u2019argent dans les d\u00e9lais indiqu\u00e9s.<\/p>\n

Comparaison entre le CELI et le REER<\/strong><\/h3>\n\n\n\n\n\n\n\n\n
<\/td>\nCELI<\/strong><\/td>\nREER<\/strong><\/td>\n<\/tr>\n
Montant de la cotisation<\/td>\nCotisation maximale de 7 000 $ en 2024.<\/p>\n

S’ajoutent les droits de cotisation inutilis\u00e9s depuis 2009 et les retraits faits l’ann\u00e9e pr\u00e9c\u00e9dente<\/span>.<\/td>\n

Limite de cotisation annuelle \u00e9quivalant \u00e0 18 % du revenu gagn\u00e9 l’ann\u00e9e pr\u00e9c\u00e9dente.<\/td>\n<\/tr>\n
Cotisations d\u00e9ductibles du revenu imposable<\/td>\nNon<\/td>\nOui<\/td>\n<\/tr>\n
Retraits<\/td>\nNon imposables<\/td>\nImposables<\/td>\n<\/tr>\n
Revenus de placement<\/td>\nNon imposables<\/td>\nNon imposables<\/td>\n<\/tr>\n
Droits de cotisation<\/td>\nCorrespondent \u00e0 l\u2019accumulation, depuis 2009, de la portion inutilis\u00e9e du montant maximal permis annuellement.<\/td>\nCorrespondent \u00e0 l\u2019accumulation, depuis 1991, de la portion inutilis\u00e9e du montant maximal d\u00e9ductible annuellement.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\u00c9pargne et planification de la retraite\u00a0: des strat\u00e9gies gagnantes<\/strong><\/h3>\n

Pour bien pr\u00e9parer sa retraite, il est important de cotiser \u00e0 son REER. Quant au CELI, il ne repr\u00e9sente pas une solution de remplacement au REER, mais bien un compl\u00e9ment int\u00e9ressant pour \u00e9pargner en vue de certains projets, ou tout simplement pour mettre des sommes \u00e0 l\u2019abri de l’argent pour parer aux impr\u00e9vus. Rendez-vous sur Acc\u00e8sD d\u00e8s maintenant ou communiquez avec un conseiller Desjardins pour cotiser \u00e0 votre REER ou votre CELI !<\/p>\n","protected":false},"excerpt":{"rendered":"

Mis \u00e0 jour le 26 janvier 2024 Au Qu\u00e9bec, le compte d\u2019\u00e9pargne libre d\u2019imp\u00f4t (CELI) et le r\u00e9gime enregistr\u00e9 d’\u00e9pargne retraite sont les deux principaux r\u00e9gimes d’\u00e9pargne auxquels vous pouvez cotiser \u00e0 titre individuel. Mais lequel choisir et pourquoi ? En fait, ces deux produits sont compl\u00e9mentaires. S’ils permettent tous les deux de mettre de […]<\/p>\n","protected":false},"author":3501,"featured_media":7830,"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-7828","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":"\nCELI ou REER ? 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