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\t\t\t\t\t\t\t\t\t\t\tLe 3 mars 2025<\/b> est la date limite pour cotiser \u00e0 votre REER pour l\u2019ann\u00e9e d\u2019imposition 2024. Le\u00a031 d\u00e9cembre<\/b> de l\u2019ann\u00e9e o\u00f9 vous atteignez 71 ans<\/b> est la date limite \u00e0 laquelle vous pouvez verser des cotisations \u00e0 vos REER.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t Vous voulez peut-\u00eatre souscrire \u00e0 un REER autog\u00e9r\u00e9 si vous pr\u00e9f\u00e9rez constituer et g\u00e9rer les propres composantes de votre portefeuille en vendant et en achetant diff\u00e9rentes cat\u00e9gories de placements. Pour en savoir plus sur les placements admissibles, consultez REER autog\u00e9r\u00e9s<\/b>. Si vous consid\u00e9rez ce type de REER, veuillez communiquer avec votre institution financi\u00e8re.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t https:\/\/www.canada.ca<\/i><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t Le CELI est un r\u00e9gime d\u2019\u00e9pargne qui vous permet d\u2019\u00e9conomiser \u00e0 l\u2019abri de l\u2019imp\u00f4t afin de r\u00e9aliser vos projets les plus chers (achat d\u2019une maison, d\u2019une auto, \u00e9pargne pour la retraite, etc.).<\/p> \u00c0 qui profite-t-il?<\/b><\/span><\/p> Le CELI pourrait convenir \u00e0 tous ceux qui ont des placements \u00e0 l\u2019ext\u00e9rieur d\u2019un r\u00e9gime enregistr\u00e9. Il convient autant aux personnes qui ont des revenus modestes qu\u2019\u00e0 celles qui ont un revenu plus \u00e9lev\u00e9. Attention! Des frais peuvent s\u2019appliquer au CELI. Interrogez votre institution financi\u00e8re avant d\u2019ouvrir un compte.<\/p> Les r\u00e8gles de cotisation<\/b><\/span><\/p> Vous devez \u00eatre \u00e2g\u00e9 de 18 ans et plus et d\u00e9tenir un num\u00e9ro d\u2019assurance sociale valide pour vous pr\u00e9valoir de votre droit de cotisation. Le montant maximal auquel vous pouvez contribuer varie d\u2019une ann\u00e9e \u00e0 l\u2019autre. Les cotisations que vous n\u2019utilisez pas peuvent \u00eatre report\u00e9es aux ann\u00e9es suivantes. Le programme du compte d\u2019\u00e9pargne libre d\u2019imp\u00f4t (CELI) existe depuis 2009. C\u2019est un moyen pour les particuliers qui sont \u00e2g\u00e9s de 18 ans ou plus et qui d\u00e9tiennent un num\u00e9ro d\u2019assurance sociale (NAS) valide de mettre de l\u2019argent de c\u00f4t\u00e9 libre d\u2019imp\u00f4t au cours de leur vie. Les cotisations \u00e0 un CELI ne sont pas d\u00e9ductibles d\u2019imp\u00f4t sur le revenu. Tout montant que vous cotisez ainsi que tous les revenus gagn\u00e9s dans le compte (par exemple, les revenus de placements et les gains en capital) ne sont g\u00e9n\u00e9ralement pas imposables, m\u00eame lorsqu\u2019ils sont retir\u00e9s.<\/p>\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":" Le 3 mars 2025 est la date limite pour cotiser \u00e0 votre REER pour l\u2019ann\u00e9e d\u2019imposition 2024. Le\u00a031 d\u00e9cembre de l\u2019ann\u00e9e o\u00f9 vous atteignez 71 ans est la date limite \u00e0 laquelle vous pouvez verser des cotisations \u00e0 vos REER. Vous souscrivez \u00e0 un r\u00e9gime enregistr\u00e9 d\u2019\u00e9pargne-retraite par l\u2019entremise d\u2019une institution financi\u00e8re telle qu\u2019une banque, […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":3,"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-7693","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/kiosque.acadienouvelle.com\/mon-portefeuille-2025\/wp-json\/wp\/v2\/pages\/7693","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/kiosque.acadienouvelle.com\/mon-portefeuille-2025\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/kiosque.acadienouvelle.com\/mon-portefeuille-2025\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/kiosque.acadienouvelle.com\/mon-portefeuille-2025\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/kiosque.acadienouvelle.com\/mon-portefeuille-2025\/wp-json\/wp\/v2\/comments?post=7693"}],"version-history":[{"count":4,"href":"https:\/\/kiosque.acadienouvelle.com\/mon-portefeuille-2025\/wp-json\/wp\/v2\/pages\/7693\/revisions"}],"predecessor-version":[{"id":7697,"href":"https:\/\/kiosque.acadienouvelle.com\/mon-portefeuille-2025\/wp-json\/wp\/v2\/pages\/7693\/revisions\/7697"}],"wp:attachment":[{"href":"https:\/\/kiosque.acadienouvelle.com\/mon-portefeuille-2025\/wp-json\/wp\/v2\/media?parent=7693"}],"wp:term":[{"taxonomy":"page-categories","embeddable":true,"href":"https:\/\/kiosque.acadienouvelle.com\/mon-portefeuille-2025\/wp-json\/wp\/v2\/page-categories?post=7693"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}Le compte d\u2019\u00e9pargne libre d\u2019imp\u00f4t (CELI)<\/font><\/h1>\n