[{"data":1,"prerenderedAt":552},["ShallowReactive",2],{"page-\u002Fplanification-financiere\u002Fepargner-etude":3},{"id":4,"title":5,"body":6,"composed":539,"description":540,"elementorDocs":541,"elementorId":542,"extension":543,"legacyUrl":544,"meta":545,"navigation":539,"ogDescription":540,"ogImage":92,"ogTitle":546,"path":547,"robots":548,"seo":549,"seoTitle":546,"stem":550,"__hash__":551},"pages\u002Fplanification-financiere\u002Fepargner-etude.md","Épargner pour les études",{"type":7,"value":8,"toc":536},"minimark",[9,77,130,170,225,274,293],[10,11,19,71],"el-section",{"el":12,"res":13},"38d4f0d",{"tag":14,"class":15,"type":14,"settings":16,"container":17,"overlay":18},"section","elementor-section elementor-top-section elementor-element elementor-element-38d4f0d elementor-section-full_width elementor-hidden-tablet elementor-hidden-mobile elementor-section-height-default elementor-section-height-default","{\"background_background\":\"classic\"}","elementor-container elementor-column-gap-default","elementor-background-overlay",[20,21,28,46,55],"el-column",{"el":22,"res":23},"cac72df",{"tag":24,"class":25,"type":26,"wrap":27},"div","elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-cac72df","column","elementor-widget-wrap elementor-element-populated",[29,30,40],"el-heading",{"el":31,"res":32},"f50673a",{"tag":24,"class":33,"type":34,"widget":35,"container":36,"lead":37},"elementor-element elementor-element-f50673a elementor-widget elementor-widget-heading","widget","heading.default","elementor-widget-container",{"tag":38,"class":39},"h1","elementor-heading-title elementor-size-default",[41,42,43],"p",{},[44,45,5],"strong",{},[47,48],"el-breadcrumb",{"el":49,"res":50},"1dafb025",{"tag":24,"class":51,"type":34,"widget":52,"container":36,"lead":53},"elementor-element elementor-element-1dafb025 elementor-widget elementor-widget-global elementor-global-283 elementor-widget-shortcode","shortcode.default",{"tag":24,"class":54},"elementor-shortcode",[56,57,64],"el-text",{"el":58,"res":59},"457a75bc",{"tag":24,"class":60,"type":34,"widget":61,"container":36,"lead":62},"elementor-element elementor-element-457a75bc elementor-widget elementor-widget-text-editor","text-editor.default",{"tag":41,"class":63},"",[41,65,66,67,70],{},"Vous souhaitez investir dans l’avenir d’un enfant, le vôtre ou celui d’un membre de votre famille? Livsta vous guide afin de bien comprendre les subventions gouvernementales disponibles lorsque vous cotisez à un ",[44,68,69],{},"régime enregistré d’épargne-études (REEE)",". Éventuellement, les sommes investies seront accessibles pour l’étudiant et lui permettront de développer tout son potentiel.",[20,72],{"el":73,"res":74},"585bc357",{"tag":24,"class":75,"type":26,"wrap":76},"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-585bc357","elementor-widget-wrap",[10,78,82,99],{"el":79,"res":80},"624f7b8c",{"tag":14,"class":81,"type":14,"settings":16,"container":17,"overlay":18},"elementor-section elementor-top-section elementor-element elementor-element-624f7b8c elementor-section-full_width elementor-hidden-desktop elementor-section-height-default elementor-section-height-default",[20,83,87],{"el":84,"res":85},"45a3683f",{"tag":24,"class":86,"type":26,"wrap":27},"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-45a3683f",[88,89],"el-image",{"el":90,"height":91,"src":92,"width":93,"res":94},"4ce35220",700,"\u002Fimages\u002F2021\u002F10\u002Fheader_epargnerEtudes_mobile.jpg",765,{"tag":24,"class":95,"type":34,"widget":96,"container":36,"lead":97},"elementor-element elementor-element-4ce35220 elementor-widget elementor-widget-image","image.default",{"tag":98,"class":63},"picture",[20,100,104,114,120],{"el":101,"res":102},"3be2b5f0",{"tag":24,"class":103,"type":26,"settings":16,"wrap":27},"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-3be2b5f0",[29,105,110],{"el":106,"res":107},"5fbd3740",{"tag":24,"class":108,"type":34,"widget":35,"container":36,"lead":109},"elementor-element elementor-element-5fbd3740 elementor-widget elementor-widget-heading",{"tag":41,"class":39},[41,111,112],{},[44,113,5],{},[47,115],{"el":116,"res":117},"106ae4ed",{"tag":24,"class":118,"type":34,"widget":52,"container":36,"lead":119},"elementor-element elementor-element-106ae4ed elementor-widget elementor-widget-global elementor-global-283 elementor-widget-shortcode",{"tag":24,"class":54},[56,121,126],{"el":122,"res":123},"788e757d",{"tag":24,"class":124,"type":34,"widget":61,"container":36,"lead":125},"elementor-element elementor-element-788e757d elementor-widget elementor-widget-text-editor",{"tag":41,"class":63},[41,127,66,128,70],{},[44,129,69],{},[10,131,135],{"el":132,"res":133},"8a04af9",{"tag":14,"class":134,"type":14,"settings":16,"container":17},"elementor-section elementor-top-section elementor-element elementor-element-8a04af9 elementor-section-full_width elementor-section-height-default elementor-section-height-default",[20,136,140,154],{"el":137,"res":138},"2b22bb8a",{"tag":24,"class":139,"type":26,"wrap":27},"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2b22bb8a",[29,141,147],{"el":142,"res":143},"58c9b00d",{"tag":24,"class":144,"type":34,"widget":35,"container":36,"lead":145},"elementor-element elementor-element-58c9b00d elementor-widget elementor-widget-heading",{"tag":146,"class":39},"h2",[41,148,149,150,153],{},"Qu’est-ce que c’est exactement, le ",[44,151,152],{},"régime enregistré d’épargne-études","?",[56,155,160,163],{"el":156,"res":157},"54bb0154",{"tag":24,"class":158,"type":34,"widget":61,"container":36,"lead":159},"elementor-element elementor-element-54bb0154 elementor-widget elementor-widget-text-editor",{"tag":41,"class":63},[41,161,162],{},"Il gagne en popularité, mais il demeure encore trop souvent sous-utilisé dans les stratégies d’investissement des familles. Le REEE est pourtant un véhicule de placement parmi les plus avantageux! Il permet à un souscripteur – parent, grand-parent, parrain ou marraine, etc. – d’économiser des sommes en prévision des études postsecondaires d’un enfant. ",[41,164,165,166,169],{},"Ces économies fructifient à l’abri de l’impôt jusqu’à l’étudiant soit prêt à utiliser les montants pour ses études. Le ",[44,167,168],{},"régime d’épargne-études"," est considéré comme un véhicule fiscalement avantageux, puisque c’est l’étudiant et non le parent qui est imposé sur les sommes retirées du REEE. Règle générale, c’est à un taux d’imposition nul ou minimal.",[10,171,175,189],{"el":172,"res":173},"3902b96d",{"tag":14,"class":174,"type":14,"settings":16,"container":17},"elementor-section elementor-top-section elementor-element elementor-element-3902b96d elementor-section-full_width elementor-section-height-default elementor-section-height-default",[20,176,180],{"el":177,"res":178},"26d6f606",{"tag":24,"class":179,"type":26,"wrap":27},"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-26d6f606",[88,181],{"el":182,"height":183,"src":184,"width":185,"res":186},"4bd6c834",610,"\u002Fimages\u002F2021\u002F10\u002Fphoto_epargnerEtudes.jpg",445,{"tag":24,"class":187,"type":34,"widget":96,"container":36,"lead":188},"elementor-element elementor-element-4bd6c834 elementor-widget elementor-widget-image",{"tag":98,"class":63},[20,190,194,203],{"el":191,"res":192},"77f061a2",{"tag":24,"class":193,"type":26,"wrap":27},"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-77f061a2",[29,195,200],{"el":196,"res":197},"1961f6ce",{"tag":24,"class":198,"type":34,"widget":35,"container":36,"lead":199},"elementor-element elementor-element-1961f6ce elementor-widget elementor-widget-heading",{"tag":146,"class":39},[41,201,202],{},"Le plus grand avantage du REEE",[56,204,209,219],{"el":205,"res":206},"5d5731b2",{"tag":24,"class":207,"type":34,"widget":61,"container":36,"lead":208},"elementor-element elementor-element-5d5731b2 elementor-widget elementor-widget-text-editor",{"tag":41,"class":63},[41,210,211,212,215,216,218],{},"Mais tous les experts financiers vous le diront : l’avantage de taille de choisir le REEE afin d’",[44,213,214],{},"épargner pour les études",", c’est l’impact positif des subventions gouvernementales. Selon votre revenu familial net rajusté, ce sont entre 30 % et 60 % de vos propres cotisations qui sont versés directement dans le ",[44,217,168],{}," de votre enfant. Et détrompez-vous : ce placement n’est pas réservé qu’aux plus riches puisque les subventions sont bonifiées pour les familles à faible et moyen revenu. ",[41,220,221,222,224],{},"Bien entendu, il existe des plafonds de cotisation et des conditions à respecter, mais le ",[44,223,168],{}," reste l’un des produits financiers les plus généreux. Au total, les familles québécoises peuvent recevoir jusqu’à 12 500 $ par enfant, juste en subventions gouvernementales. Et ça, c’est sans compter les revenus du placement lui-même!",[10,226,230],{"el":227,"res":228},"4185d80",{"tag":14,"class":229,"type":14,"settings":16,"container":17},"elementor-section elementor-top-section elementor-element elementor-element-4185d80 elementor-section-full_width elementor-section-height-default elementor-section-height-default",[20,231,235,246,261],{"el":232,"res":233},"54120880",{"tag":24,"class":234,"type":26,"settings":16,"wrap":27},"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-54120880",[29,236,241],{"el":237,"res":238},"4a75f719",{"tag":24,"class":239,"type":34,"widget":35,"container":36,"lead":240},"elementor-element elementor-element-4a75f719 elementor-widget elementor-widget-heading",{"tag":146,"class":39},[41,242,243,244,153],{},"Quand commencer à ",[44,245,214],{},[56,247,252],{"el":248,"res":249},"17b310b2",{"tag":24,"class":250,"type":34,"widget":61,"container":36,"lead":251},"elementor-element elementor-element-17b310b2 elementor-widget elementor-widget-text-editor",{"tag":41,"class":63},[41,253,254,255,257,258,260],{},"Il n’est jamais trop tôt pour commencer à ",[44,256,214],{}," d’un enfant puisque le ",[44,259,168],{}," peut être ouvert dès sa naissance. Mais il n’est jamais trop tard non plus : les subventions inutilisées des années où vous n’avez pas cotisé peuvent être récupérées, selon certaines conditions. L’accompagnement de Livsta est là pour vous aider à démarrer votre projet d’épargne-études ou à en maximiser le potentiel.",[262,263,271],"el-button",{"el":264,"to":265,"res":266},"2987f33e","\u002Finvestir-argent-et-bourse-en-ligne\u002F",{"tag":24,"class":267,"type":34,"widget":268,"container":36,"lead":269},"elementor-element elementor-element-2987f33e elementor-align-center elementor-widget elementor-widget-button","button.default",{"tag":24,"class":270},"elementor-button-wrapper",[41,272,273],{},"Démarrez votre stratégie",[10,275,279],{"el":276,"res":277},"412e0ad",{"tag":14,"class":278,"type":14,"container":17},"elementor-section elementor-top-section elementor-element elementor-element-412e0ad elementor-section-full_width elementor-section-height-default elementor-section-height-default",[20,280,284],{"el":281,"res":282},"a646f9d",{"tag":24,"class":283,"type":26,"wrap":27},"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a646f9d",[29,285,290],{"el":286,"res":287},"6a01491",{"tag":24,"class":288,"type":34,"widget":35,"container":36,"lead":289},"elementor-element elementor-element-6a01491 elementor-widget elementor-widget-heading",{"tag":146,"class":39},[41,291,292],{},"Nos différents types de planification financière",[10,294,298],{"el":295,"res":296},"0915ce8",{"tag":14,"class":297,"type":14,"settings":16,"container":17},"elementor-section elementor-top-section elementor-element elementor-element-0915ce8 elementor-section-full_width elementor-section-height-default elementor-section-height-default",[20,299,303,391,474],{"el":300,"res":301},"af1ce66",{"tag":24,"class":302,"type":26,"wrap":27},"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-af1ce66",[10,304,308,338,365],{"el":305,"res":306},"1942b17",{"tag":14,"class":307,"type":14,"container":17},"elementor-section elementor-inner-section elementor-element elementor-element-1942b17 elementor-section-full_width elementor-section-height-default elementor-section-height-default",[20,309,313,329],{"el":310,"res":311},"d689c58",{"tag":24,"class":312,"type":26,"wrap":27},"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-d689c58",[314,315,326],"el-icon-box",{"el":316,"icon":317,"title":318,"to":319,"res":320},"878667e","\u002Fimages\u002F2021\u002F09\u002Ficone_achatPremiereMaison.svg","Faire l'achat d'une première maison","\u002Fplanification-financiere\u002Fachat-premiere-maison\u002F",{"tag":24,"class":321,"type":34,"widget":322,"container":36,"lead":323,"svg":325},"elementor-element elementor-element-878667e elementor-view-default elementor-position-top elementor-mobile-position-top elementor-widget elementor-widget-icon-box","icon-box.default",{"tag":324,"class":63},"link","\u003Csvg xmlns=\"http:\u002F\u002Fwww.w3.org\u002F2000\u002Fsvg\" xmlns:xlink=\"http:\u002F\u002Fwww.w3.org\u002F1999\u002Fxlink\" width=\"64\" height=\"64\" viewBox=\"0 0 64 64\">\u003Cdefs>\u003ClinearGradient id=\"linear-gradient\" x1=\"1\" y1=\"-0.042\" x2=\"0\" y2=\"1\" gradientUnits=\"objectBoundingBox\">\u003Cstop offset=\"0\" stop-color=\"#2f7299\">\u003C\u002Fstop>\u003Cstop offset=\"1\" stop-color=\"#3398a6\">\u003C\u002Fstop>\u003C\u002FlinearGradient>\u003C\u002Fdefs>\u003Cg id=\"Groupe_397\" data-name=\"Groupe 397\" transform=\"translate(-350 -128)\">\u003Ccircle id=\"Ellipse_12\" data-name=\"Ellipse 12\" cx=\"32\" cy=\"32\" r=\"32\" transform=\"translate(350 128)\" fill=\"#eff7f8\">\u003C\u002Fcircle>\u003Cg id=\"HOME_INSURANCE\" data-name=\"HOME INSURANCE\" transform=\"translate(349.604 115.64)\">\u003Cpath id=\"Tracé_66\" data-name=\"Tracé 66\" d=\"M52.264,56.366H51.91V48.493a.689.689,0,0,0-.368-.609l-7-3.676v-.985A2.687,2.687,0,0,0,46.882,38.4L32.631,30.36c-.047,0-.046.019,0,0L18.465,38.4a2.689,2.689,0,0,0,1.328,5.027,2.654,2.654,0,0,0,1.011-.2v1l-6.962,3.654a.688.688,0,0,0-.368.609v7.873h-.391a.688.688,0,1,0,0,1.375h39.18a.688.688,0,1,0,0-1.375Zm-1.729-7.458v7.458H44.543v-10.6Zm-13.4,7.458H28.215V47.449h8.918Zm.689-10.292h-10.3a.688.688,0,0,0-.688.688v9.6H22.182V42.472l10.449-6.112h0l10.536,6.112V56.366h-4.66V46.76A.688.688,0,0,0,37.821,46.074ZM46.2,39.6a1.312,1.312,0,0,1-1.292,2.283l-12.281-7.06v-2.89ZM19.44,42a1.312,1.312,0,0,1-.3-2.406l13.488-7.667v2.89l-12.2,7.06A1.3,1.3,0,0,1,19.44,42Zm-4.59,6.906,5.957-3.127V56.366H14.85Z\" transform=\"translate(0 0)\" fill=\"url(#linear-gradient)\">\u003C\u002Fpath>\u003C\u002Fg>\u003C\u002Fg>\u003C\u002Fsvg>",[41,327,328],{},"Prêt à faire le saut et à devenir propriétaire? 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