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{"id":7508,"date":"2023-01-24T20:55:03","date_gmt":"2023-01-24T20:55:03","guid":{"rendered":"https:\/\/kiosque.acadienouvelle.com\/mon-portefeuille-2023\/gabarit-landing-page-copy\/"},"modified":"2023-02-02T19:55:51","modified_gmt":"2023-02-02T19:55:51","slug":"epargne-retraite","status":"publish","type":"page","link":"https:\/\/kiosque.acadienouvelle.com\/mon-portefeuille-2023\/epargne-retraite\/","title":{"rendered":"R\u00e9gime enregistr\u00e9 d\u2019\u00e9pargne-retraite"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"7508\" class=\"elementor elementor-7508\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-96efe8d header_title banner_img elementor-section-full_width elementor-section-stretched elementor-section-height-default elementor-section-height-default\" data-id=\"96efe8d\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-76f7561\" data-id=\"76f7561\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d9a853a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d9a853a\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-68d9c5a page_contain\" data-id=\"68d9c5a\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-50f1f9b elementor-widget elementor-widget-image\" data-id=\"50f1f9b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t<figure class=\"wp-caption\">\n\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1366\" height=\"768\" src=\"https:\/\/kiosque.acadienouvelle.com\/mon-portefeuille-2023\/wp-content\/uploads\/sites\/114\/2023\/01\/01_REER_land.jpg\" class=\"attachment-full size-full wp-image-7462\" alt=\"\" srcset=\"https:\/\/kiosque.acadienouvelle.com\/mon-portefeuille-2023\/wp-content\/uploads\/sites\/114\/2023\/01\/01_REER_land.jpg 1366w, https:\/\/kiosque.acadienouvelle.com\/mon-portefeuille-2023\/wp-content\/uploads\/sites\/114\/2023\/01\/01_REER_land-300x169.jpg 300w, https:\/\/kiosque.acadienouvelle.com\/mon-portefeuille-2023\/wp-content\/uploads\/sites\/114\/2023\/01\/01_REER_land-1024x576.jpg 1024w, https:\/\/kiosque.acadienouvelle.com\/mon-portefeuille-2023\/wp-content\/uploads\/sites\/114\/2023\/01\/01_REER_land-768x432.jpg 768w\" sizes=\"(max-width: 1366px) 100vw, 1366px\" \/>\t\t\t\t\t\t\t\t\t\t\t<figcaption class=\"widget-image-caption wp-caption-text\"><\/figcaption>\n\t\t\t\t\t\t\t\t\t\t<\/figure>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d0a0a3b mobile_pera elementor-widget elementor-widget-text-editor\" data-id=\"d0a0a3b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tLe 1er mars 2023 est la date limite pour cotiser \u00e0 un REER pour l\u2019ann\u00e9e d\u2019imposition 2022. Cela vous semble peut-\u00eatre encore un peu loin, mais \nne tardez pas \u00e0 agir. Communiquer d\u00e8s maintenant avec votre \nconseiller financier. \n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e709855 elementor-widget elementor-widget-advertisement\" data-id=\"e709855\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"advertisement.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ads-align-center\"><div id='div-gpt-ad-1647217378382-0' style='min-width: 300px; min-height: 100px;'>\r\n  <script>\r\n googletag.cmd.push(function() { googletag.display('div-gpt-ad-1647217378382-0'); });\r\n  <\/script>\r\n<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0b6ad93 mobile_pera elementor-widget elementor-widget-text-editor\" data-id=\"0b6ad93\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b>Qu\u2019est-ce qu\u2019un REER?\u00a0<\/b><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-74263c8 mobile_pera elementor-widget elementor-widget-text-editor\" data-id=\"74263c8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tUn REER est un r\u00e9gime d\u2019\u00e9pargne-retraite enregistr\u00e9 aupr\u00e8s du gouvernement f\u00e9d\u00e9ral auquel vous pouvez cotiser en vue de la retraite. \nLes cotisations REER b\u00e9n\u00e9ficient d\u2019un \n\u00ab traitement fiscal favorable \u00bb, ce qui signifie qu\u2019elles ne sont pas imposables dans l\u2019ann\u00e9e du versement. Les revenus provenant des placements d\u00e9tenus dans le REER peuvent cro\u00eetre \u00e0 l\u2019abri de l\u2019imp\u00f4t jusqu\u2019au retrait des fonds, \u00e0 condition qu\u2019ils restent dans le REER.  Les cotisations sont d\u00e9ductibles d\u2019imp\u00f4t; elles peuvent \u00eatre d\u00e9duites de votre d\u00e9claration de revenus de l\u2019ann\u00e9e en cours, ce qui peut r\u00e9duire l\u2019imp\u00f4t \u00e0 payer.\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-144df96 mobile_pera elementor-widget elementor-widget-text-editor\" data-id=\"144df96\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b>Quels sont les avantages?<\/b><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6ffec81 mobile_pera elementor-widget elementor-widget-text-editor\" data-id=\"6ffec81\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul>\n<li>\u00c9pargne \u00e0 l\u2019abri de l\u2019imp\u00f4t : Les revenus provenant des placements d\u00e9tenus dans le REER sont \u00e0 l\u2019abri de l\u2019imp\u00f4t, \u00e0 condition de rester dans le REER.&nbsp;<\/li>\n<li>D\u00e9ductions fiscales : Vos cotisations REER sont d\u00e9ductibles d\u2019imp\u00f4t et peuvent vous aider \u00e0 r\u00e9duire l\u2019imp\u00f4t total \u00e0 payer sur vos revenus.&nbsp;<\/li>\n<li>Optimisation des d\u00e9ductions : Vous pouvez reporter vos droits de cotisation au REER inutilis\u00e9s des ann\u00e9es o\u00f9 vous gagnez moins et les utiliser plus tard, lorsque votre revenu est plus \u00e9lev\u00e9. Cela peut vous aider \u00e0 profiter d\u2019\u00e9conomies d\u2019imp\u00f4t lorsque vous \u00eates dans une fourchette d\u2019imposition plus \u00e9lev\u00e9e.&nbsp;<\/li>\n<li>Fractionnement du revenu : Si vous gagnez plus que votre conjoint ou conjoint de fait, cotiser \u00e0 un REER de conjoint peut vous aider \u00e0 r\u00e9duire l\u2019imp\u00f4t total \u00e0 payer.&nbsp;<\/li>\n<li>Paiement de votre premi\u00e8re maison ou de vos \u00e9tudes : Vous pouvez retirer des fonds de votre REER, sans qu\u2019ils soient impos\u00e9s imm\u00e9diatement, afin d\u2019acheter votre premi\u00e8re maison ou de payer vos \u00e9tudes, gr\u00e2ce au R\u00e9gime d\u2019accession \u00e0 la propri\u00e9t\u00e9 ou au R\u00e9gime d\u2019encouragement \u00e0 l\u2019\u00e9ducation permanente&nbsp;<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4e13532 mobile_pera elementor-widget elementor-widget-text-editor\" data-id=\"4e13532\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b>Combien de temps mon REER peut-il rester ouvert?<\/b><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6f4033a mobile_pera elementor-widget elementor-widget-text-editor\" data-id=\"6f4033a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tVous ne pouvez pas d\u00e9tenir de REER apr\u00e8s le 31 d\u00e9cembre de l\u2019ann\u00e9e civile de vos 71 ans. \u00c0 ce moment-l\u00e0, vous devez retirer les fonds du REER en un montant forfaitaire, les virer \u00e0 un fonds enregistr\u00e9 de revenu de retraite (FERR) ou acheter une rente.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Le 1er mars 2023 est la date limite pour cotiser \u00e0 un REER pour l\u2019ann\u00e9e d\u2019imposition 2022. Cela vous semble peut-\u00eatre encore un peu loin, mais ne tardez pas \u00e0 agir. Communiquer d\u00e8s maintenant avec votre conseiller financier. Qu\u2019est-ce qu\u2019un REER?\u00a0 Un REER est un r\u00e9gime d\u2019\u00e9pargne-retraite enregistr\u00e9 aupr\u00e8s du gouvernement f\u00e9d\u00e9ral auquel vous pouvez [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":2,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"page-categories":[],"class_list":["post-7508","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/kiosque.acadienouvelle.com\/mon-portefeuille-2023\/wp-json\/wp\/v2\/pages\/7508","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/kiosque.acadienouvelle.com\/mon-portefeuille-2023\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/kiosque.acadienouvelle.com\/mon-portefeuille-2023\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/kiosque.acadienouvelle.com\/mon-portefeuille-2023\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/kiosque.acadienouvelle.com\/mon-portefeuille-2023\/wp-json\/wp\/v2\/comments?post=7508"}],"version-history":[{"count":13,"href":"https:\/\/kiosque.acadienouvelle.com\/mon-portefeuille-2023\/wp-json\/wp\/v2\/pages\/7508\/revisions"}],"predecessor-version":[{"id":7587,"href":"https:\/\/kiosque.acadienouvelle.com\/mon-portefeuille-2023\/wp-json\/wp\/v2\/pages\/7508\/revisions\/7587"}],"wp:attachment":[{"href":"https:\/\/kiosque.acadienouvelle.com\/mon-portefeuille-2023\/wp-json\/wp\/v2\/media?parent=7508"}],"wp:term":[{"taxonomy":"page-categories","embeddable":true,"href":"https:\/\/kiosque.acadienouvelle.com\/mon-portefeuille-2023\/wp-json\/wp\/v2\/page-categories?post=7508"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}