[{"data":1,"prerenderedAt":435},["ShallowReactive",2],{"article-\u002Fconseils-finance-blogue\u002Freer-ou-celi-quelles-sont-les-differences":3},{"id":4,"title":5,"body":6,"composed":420,"date":421,"description":422,"elementorDocs":423,"elementorId":424,"extension":425,"image":423,"legacyUrl":426,"meta":427,"navigation":420,"ogDescription":422,"ogImage":428,"ogTitle":5,"path":429,"robots":430,"seo":431,"seoTitle":432,"stem":433,"__hash__":434},"articles\u002Fconseils-finance-blogue\u002Freer-ou-celi-quelles-sont-les-differences.md","REER ou CELI : quelles sont les différences?",{"type":7,"value":8,"toc":417},"minimark",[9,52,124],[10,11,19],"el-section",{"el":12,"res":13},"479e58bc",{"tag":14,"class":15,"type":14,"settings":16,"container":17,"overlay":18},"section","elementor-section elementor-top-section elementor-element elementor-element-479e58bc elementor-section-full_width elementor-section-height-default elementor-section-height-default","{\"background_background\":\"classic\"}","elementor-container elementor-column-gap-default","elementor-background-overlay",[20,21,28,43],"el-column",{"el":22,"res":23},"87d9ddc",{"tag":24,"class":25,"type":26,"settings":16,"wrap":27},"div","elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-87d9ddc","column","elementor-widget-wrap elementor-element-populated",[29,30,40],"el-heading",{"el":31,"res":32},"c52057c",{"tag":24,"class":33,"type":34,"widget":35,"container":36,"lead":37},"elementor-element elementor-element-c52057c elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading","widget","theme-post-title.default","elementor-widget-container",{"tag":38,"class":39},"h1","elementor-heading-title elementor-size-default",[41,42,5],"p",{},[44,45],"el-breadcrumb",{"el":46,"res":47},"2c8a48d0",{"tag":24,"class":48,"type":34,"widget":49,"container":36,"lead":50},"elementor-element elementor-element-2c8a48d0 elementor-widget elementor-widget-shortcode","shortcode.default",{"tag":24,"class":51},"elementor-shortcode",[10,53,57],{"el":54,"res":55},"157503f0",{"tag":14,"class":56,"type":14,"container":17},"elementor-section elementor-top-section elementor-element elementor-element-157503f0 elementor-section-full_width elementor-section-height-default elementor-section-height-default",[20,58,62,74,79,111],{"el":59,"res":60},"1d3e1e1b",{"tag":24,"class":61,"type":26,"settings":16,"wrap":27},"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1d3e1e1b",[63,64,71],"el-text",{"el":65,"res":66},"74919091",{"tag":24,"class":67,"type":34,"widget":68,"container":36,"lead":69},"elementor-element elementor-element-74919091 elementor-widget elementor-widget-text-editor","text-editor.default",{"tag":41,"class":70},"subtitle",[41,72,73],{},"Partagez l’article:",[75,76],"el-share-buttons",{"el":77,"networks":78},"6c0551a4","facebook,twitter,linkedin",[63,80,86,89,92,106,108],{"el":81,"res":82},"4cc1e8a0",{"tag":24,"class":83,"type":34,"widget":68,"container":36,"lead":84},"elementor-element elementor-element-4cc1e8a0 elementor-widget elementor-widget-text-editor",{"tag":41,"class":85},"",[41,87,88],{},"REER ou CELI, votre cœur balance? Vous n’êtes pas seul!",[41,90,91],{},"​",[41,93,94,95,100,101,105],{},"En effet, ces deux outils d’épargne comportent des similitudes, mais leurs quelques différences sont importantes à comprendre lorsqu’il est temps de trancher entre ",[96,97,99],"a",{"href":98},"\u002Fouvrir-compte-bancaire-en-ligne\u002Freer\u002F","REER"," ou ",[96,102,104],{"href":103},"\u002Fouvrir-compte-bancaire-en-ligne\u002Fceli\u002F","CELI",".",[41,107,91],{},[41,109,110],{},"LIVSTA vous aide à y voir plus clair!",[112,113,121],"el-button",{"el":114,"to":115,"res":116},"3df4e5d5","\u002Fconseils-finance-blogue\u002F",{"tag":24,"class":117,"type":34,"widget":118,"container":36,"lead":119},"elementor-element elementor-element-3df4e5d5 elementor-align-left elementor-widget elementor-widget-button","button.default",{"tag":24,"class":120},"elementor-button-wrapper",[41,122,123],{},"Retourner au blogue",[10,125,129],{"el":126,"res":127},"1d7a1190",{"tag":14,"class":128,"type":14,"settings":16,"container":17},"elementor-section elementor-top-section elementor-element elementor-element-1d7a1190 elementor-section-full_width elementor-section-height-default elementor-section-height-default",[20,130,134,145,154,165,174,183,190,199,208,215,237,252,261,270,294,301,331,340,379,389,398,406,409],{"el":131,"res":132},"5b5f69bc",{"tag":24,"class":133,"type":26,"wrap":27},"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5b5f69bc",[29,135,142],{"el":136,"res":137},"690dd13f",{"tag":24,"class":138,"type":34,"widget":139,"container":36,"lead":140},"elementor-element elementor-element-690dd13f elementor-widget elementor-widget-heading","heading.default",{"tag":141,"class":39},"h2",[41,143,144],{},"Choisir un REER ou un CELI : les principales différences",[63,146,151],{"el":147,"res":148},"60f6aba",{"tag":24,"class":149,"type":34,"widget":68,"container":36,"lead":150},"elementor-element elementor-element-60f6aba elementor-widget elementor-widget-text-editor",{"tag":41,"class":85},[41,152,153],{},"Voici les principales nuances derrière un REER ou un CELI :",[155,156],"el-icon-list",{"el":157,"items":158,"res":159},"61c5cb17","[{\"num\":\"01\",\"text\":\"Impact fiscal\"}]",{"tag":24,"class":160,"type":34,"widget":161,"container":36,"lead":162},"elementor-element elementor-element-61c5cb17 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list","icon-list.default",{"tag":163,"class":164},"ul","elementor-icon-list-items",[63,166,171],{"el":167,"res":168},"d90e898",{"tag":24,"class":169,"type":34,"widget":68,"container":36,"lead":170},"elementor-element elementor-element-d90e898 elementor-widget elementor-widget-text-editor",{"tag":41,"class":85},[41,172,173],{},"REER : Les sommes d’argent déposées sont déductibles de votre revenu imposable, elles permettent donc de payer moins d’impôt maintenant. Les intérêts cumulés dans votre compte sont, eux aussi, non imposables, du moment qu’ils restent dans le REER.",[63,175,180],{"el":176,"res":177},"356c77c",{"tag":24,"class":178,"type":34,"widget":68,"container":36,"lead":179},"elementor-element elementor-element-356c77c elementor-widget elementor-widget-text-editor",{"tag":41,"class":85},[41,181,182],{},"CELI : Le montant placé n’est pas déduit de votre revenu imposable. Il ne faut donc pas vous attendre à un retour d’impôt en cotisant à votre CELI. L’argent investit fructifiera toutefois à l’abri de l’impôt comme dans un REER.",[155,184],{"el":185,"items":186,"res":187},"49bd563","[{\"num\":\"02\",\"text\":\"Retrait\"}]",{"tag":24,"class":188,"type":34,"widget":161,"container":36,"lead":189},"elementor-element elementor-element-49bd563 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list",{"tag":163,"class":164},[63,191,196],{"el":192,"res":193},"415ca6e",{"tag":24,"class":194,"type":34,"widget":68,"container":36,"lead":195},"elementor-element elementor-element-415ca6e elementor-widget elementor-widget-text-editor",{"tag":41,"class":85},[41,197,198],{},"REER : La somme retirée des REER s’additionne à votre revenu imposable. Les retraits sont imposables.",[63,200,205],{"el":201,"res":202},"da61a2e",{"tag":24,"class":203,"type":34,"widget":68,"container":36,"lead":204},"elementor-element elementor-element-da61a2e elementor-widget elementor-widget-text-editor",{"tag":41,"class":85},[41,206,207],{},"CELI : La somme retirée ne s’ajoute pas à votre revenu imposable. Les retraits ne sont donc pas imposables.",[155,209],{"el":210,"items":211,"res":212},"bf94962","[{\"num\":\"03\",\"text\":\"Cotisations maximale et excédentaire\"}]",{"tag":24,"class":213,"type":34,"widget":161,"container":36,"lead":214},"elementor-element elementor-element-bf94962 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list",{"tag":163,"class":164},[63,216,221],{"el":217,"res":218},"59ed1b4",{"tag":24,"class":219,"type":34,"widget":68,"container":36,"lead":220},"elementor-element elementor-element-59ed1b4 elementor-widget elementor-widget-text-editor",{"tag":41,"class":85},[41,222,223,224,230,231,236],{},"REER : Permet de cotiser ",[96,225,229],{"href":226,"rel":227},"https:\u002F\u002Fwww.canada.ca\u002Ffr\u002Fagence-revenu\u002Fservices\u002Fimpot\u002Fparticuliers\u002Fsujets\u002Freer-regimes-connexes\u002Fcotiser-a-reer-a-rpac-a\u002Fconnaitre-maximum-deductible-votre-reer-rpac.html",[228],"nofollow","un montant calculé en fonction de votre revenu annuel"," de l’année précédente. Le plus simple est de consulter votre « Avis de cotisation » ou « Mon dossier » auprès de l’",[96,232,235],{"href":233,"rel":234},"https:\u002F\u002Fwww.canada.ca\u002Ffr\u002Fagence-revenu.html",[228],"ARC"," pour connaître votre cotisation maximale permise. Une cotisation excédentaire de 2 000 $ par année, sans pénalité, est acceptée.",[63,238,243],{"el":239,"res":240},"6b6a8fd",{"tag":24,"class":241,"type":34,"widget":68,"container":36,"lead":242},"elementor-element elementor-element-6b6a8fd elementor-widget elementor-widget-text-editor",{"tag":41,"class":85},[41,244,245,246,251],{},"CELI : Permet ",[96,247,250],{"href":248,"rel":249},"https:\u002F\u002Fwww.canada.ca\u002Ffr\u002Fagence-revenu\u002Fservices\u002Fimpot\u002Fparticuliers\u002Fsujets\u002Fcompte-epargne-libre-impot\u002Fcotisations.html",[228],"une cotisation maximale identique pour tous les Canadiens",", peu importe votre revenu. Le montant peut changer d’année en année selon l’inflation et les politiques. Des pénalités mensuelles de 1 % sont appliquées lorsque la cotisation maximale est dépassée.",[63,253,258],{"el":254,"res":255},"f09e466",{"tag":24,"class":256,"type":34,"widget":68,"container":36,"lead":257},"elementor-element elementor-element-f09e466 elementor-widget elementor-widget-text-editor",{"tag":41,"class":85},[41,259,260],{},"Que ce soit pour le REER ou pour le CELI, les droits que vous n’utilisez pas sont cumulés et peuvent être utilisés dans le futur.",[29,262,267],{"el":263,"res":264},"39e70e5",{"tag":24,"class":265,"type":34,"widget":139,"container":36,"lead":266},"elementor-element elementor-element-39e70e5 elementor-widget elementor-widget-heading",{"tag":141,"class":39},[41,268,269],{},"REER ou CELI pour la retraite?",[63,271,276,284,286,289,291],{"el":272,"res":273},"0469014",{"tag":24,"class":274,"type":34,"widget":68,"container":36,"lead":275},"elementor-element elementor-element-0469014 elementor-widget elementor-widget-text-editor",{"tag":41,"class":85},[41,277,278,279,283],{},"Vous désirez ",[96,280,282],{"href":281},"\u002Fplanification-financiere\u002Fplanifier-sa-retraite\u002F","prévoir votre retraite",", mais vous hésitez à prendre un REER ou un CELI?",[41,285,91],{},[41,287,288],{},"D’ordre général, le REER est souvent présenté comme l’ultime outil d’épargne pour planifier sa retraite. Il propose, en effet, des avantages qui sont à prendre en considération. Mais saviez-vous que le CELI peut également être un allié solide lorsqu’il est temps de prévoir cette étape importante?",[41,290,91],{},[41,292,293],{},"Un CELI vous permet de :",[155,295],{"el":296,"items":297,"res":298},"39309eea","[{\"text\":\"Mettre de côté une somme d’argent importante qui fructifie à l’abri de l’impôt;\"},{\"text\":\"Retirer vos économies et les intérêts cumulés sans payer d’impôt.\"}]",{"tag":24,"class":299,"type":34,"widget":161,"container":36,"lead":300},"elementor-element elementor-element-39309eea elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list",{"tag":163,"class":164},[63,302,307,316,318,321,323],{"el":303,"res":304},"d5c710b",{"tag":24,"class":305,"type":34,"widget":68,"container":36,"lead":306},"elementor-element elementor-element-d5c710b elementor-widget elementor-widget-text-editor",{"tag":41,"class":85},[41,308,309,310,315],{},"De plus, si vous avez un faible revenu imposable à la retraite, avoir investi dans un CELI plutôt qu’un REER pourrait faire la différence entre être éligible ou non au ",[96,311,314],{"href":312,"rel":313},"https:\u002F\u002Fwww.canada.ca\u002Ffr\u002Fservices\u002Fprestations\u002Fpensionspubliques\u002Frpc\u002Fsecurite-vieillesse\u002Fsupplement-revenu-garanti.html",[228],"supplément de revenu garanti"," du gouvernement fédéral.",[41,317,91],{},[41,319,320],{},"Vous souhaitez savoir laquelle des options parmi le REER ou le CELI est la bonne pour vous? Retenez ceci : si vous investissez dans un REER, assurez-vous d’investir votre retour d’impôt dans un CELI ou dans une nouvelle cotisation REER. Si vous êtes du genre à utiliser ce retour d’impôt dans un voyage ou une nouvelle télé, le CELI serait probablement financièrement plus avantageux pour vous.",[41,322,91],{},[41,324,325,326,330],{},"Pour obtenir votre stratégie personnalisée et faire le bon choix entre le REER ou le CELI, remplissez le ",[96,327,329],{"href":328},"\u002Finvestir-argent-et-bourse-en-ligne\u002F","formulaire en ligne LIVSTA","!",[29,332,337],{"el":333,"res":334},"547c910",{"tag":24,"class":335,"type":34,"widget":139,"container":36,"lead":336},"elementor-element elementor-element-547c910 elementor-widget elementor-widget-heading",{"tag":141,"class":39},[41,338,339],{},"REER ou CELI pour l’achat d’une maison?",[63,341,346,354,356,369,371],{"el":342,"res":343},"88e1580",{"tag":24,"class":344,"type":34,"widget":68,"container":36,"lead":345},"elementor-element elementor-element-88e1580 elementor-widget elementor-widget-text-editor",{"tag":41,"class":85},[41,347,348,349,353],{},"Choisir un REER ou un CELI pour planifier ",[96,350,352],{"href":351},"\u002Fplanification-financiere\u002Fachat-premiere-maison\u002F","un achat aussi important"," demande une analyse approfondie de votre situation personnelle et financière.",[41,355,91],{},[41,357,358,359,363,364,368],{},"Par exemple, le ",[96,360,362],{"href":361},"\u002Fplanification-financiere\u002Fachat-premiere-maison\u002Fpret-reer-rap-regime-accession-propriete\u002F","régime d’accession à la propriété (RAP)"," représente une bonne solution si vous avez déjà un REER bien garni. Un CELI est cependant une bonne option de placement si vous désirez ",[96,365,367],{"href":366},"\u002Fplanification-financiere\u002Fachat-premiere-maison\u002Fmise-de-fonds-premiere-maison\u002F","économiser pour votre propriété"," dès maintenant, tout en conservant l’option d’investir dans un REER plus tard.",[41,370,91],{},[41,372,373,374,378],{},"REER ou CELI, il n’y a pas de mauvaise réponse si la stratégie d’épargne est choisie en fonction de votre réalité. ",[96,375,377],{"href":376},"\u002Fnous-joindre\u002F","Contactez-nous"," pour en savoir plus!",[112,380,386],{"el":381,"to":382,"res":383},"50d0e0d0","https:\u002F\u002Fapp.livsta.ca\u002FNew",{"tag":24,"class":384,"type":34,"widget":118,"container":36,"lead":385},"elementor-element elementor-element-50d0e0d0 elementor-align-left elementor-widget elementor-widget-button",{"tag":24,"class":120},[41,387,388],{},"Créez votre programme aujourd'hui",[390,391],"el-divider",{"el":392,"res":393},"52cf2c93",{"tag":24,"class":394,"type":34,"widget":395,"container":36,"lead":396},"elementor-element elementor-element-52cf2c93 elementor-widget-divider--view-line elementor-widget elementor-widget-divider","divider.default",{"tag":24,"class":397},"elementor-divider",[63,399,404],{"el":400,"res":401},"e2ec8f9",{"tag":24,"class":402,"type":34,"widget":68,"container":36,"lead":403},"elementor-element elementor-element-e2ec8f9 elementor-widget elementor-widget-text-editor",{"tag":41,"class":70},[41,405,73],{},[75,407],{"el":408,"networks":78},"2563cddf",[112,410,415],{"el":411,"to":115,"res":412},"5c64f568",{"tag":24,"class":413,"type":34,"widget":118,"container":36,"lead":414},"elementor-element elementor-element-5c64f568 elementor-align-left elementor-widget elementor-widget-button",{"tag":24,"class":120},[41,416,123],{},{"title":85,"searchDepth":418,"depth":418,"links":419},2,[],true,"2022-04-11","REER ou CELI? Qu’est-ce qui les distingue? Pour comprendre les différences et faire un choix éclairé, consultez cet article de LIVSTA!",null,"829","md","https:\u002F\u002Flivsta.ca\u002Fconseils-finance-blogue\u002Freer-ou-celi-quelles-sont-les-differences\u002F",{},"\u002Fimages\u002F2022\u002F04\u002Fheader_article_celiVsReer.jpg","\u002Fconseils-finance-blogue\u002Freer-ou-celi-quelles-sont-les-differences","follow, index, max-snippet:-1, max-video-preview:-1, max-image-preview:large",{"title":5,"description":422,"robots":430},"REER ou CELI : quelles sont les différences? | LIVSTA","conseils-finance-blogue\u002Freer-ou-celi-quelles-sont-les-differences","x7fMaJkMsLnrkl48_gIOLSZnyx9XzXIxtMo4BenKuwQ",1790345576684]