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animation_offset=””]Nous Joindre[/fusion_button][/fusion_builder_column_inner][/fusion_builder_row_inner][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container admin_label=”” hundred_percent=”no” equal_height_columns=”no” menu_anchor=”” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” background_color=”” background_image=”” background_position=”center center” background_repeat=”no-repeat” fade=”no” background_parallax=”none” enable_mobile=”no” parallax_speed=”0.3″ video_mp4=”” video_webm=”” video_ogv=”” video_url=”” video_aspect_ratio=”16:9″ video_loop=”yes” video_mute=”yes” video_preview_image=”” border_size=”” border_color=”” border_style=”solid” margin_top=”” margin_bottom=”” padding_top=”20px” padding_right=”65px” padding_bottom=”” padding_left=”65px”][fusion_builder_row][fusion_builder_column type=”1_1″ layout=”1_1″ spacing=”” center_content=”no” hover_type=”none” link=”” min_height=”” 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hundred_percent_height_center_content=”yes” equal_height_columns=”no” menu_anchor=”” hide_on_mobile=”no” class=”” id=”” background_color=”” background_image=”” background_position=”left top” background_repeat=”no-repeat” fade=”no” background_parallax=”none” enable_mobile=”no” parallax_speed=”0.3″ video_mp4=”” video_webm=”” video_ogv=”” video_url=”” video_aspect_ratio=”16:9″ video_loop=”yes” video_mute=”yes” video_preview_image=”” border_size=”0px” border_color=”” border_style=”solid” margin_top=”” margin_bottom=”0″ padding_top=”0″ padding_right=”” padding_bottom=”0″ padding_left=””][fusion_builder_row][fusion_builder_column type=”1_1″ layout=”1_1″ spacing=”” center_content=”no” hover_type=”none” link=”” min_height=”” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” background_color=”” background_image=”” background_position=”left top” background_repeat=”no-repeat” border_size=”0″ border_color=”” border_style=”solid” border_position=”all” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” dimension_margin=”” animation_type=”” animation_direction=”left” animation_speed=”0.3″ animation_offset=”” last=”no”][fusion_title margin_top=”0″ margin_bottom=”0″ hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” size=”1″ content_align=”center” style_type=”none” sep_color=””]
Le guide complet du CELI 2018
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Catégorie – Planification Financière , Retraite , Placements
[/fusion_li_item][/fusion_checklist][fusion_builder_row_inner][fusion_builder_column_inner type=”1_3″ layout=”1_3″ spacing=”0″ center_content=”no” hover_type=”none” link=”” min_height=”” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” background_color=”” background_image=”” background_position=”left top” undefined=”” background_repeat=”no-repeat” border_size=”0″ border_color=”” border_style=”solid” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”left” animation_speed=”0.3″ animation_offset=”” last=”no” border_position=”all”][fusion_checklist icon=”” iconcolor=”#686868″ circle=”no” circlecolor=”” size=”13px” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=””][fusion_li_item icon=”fa-calendar”]Date – 01 Février 2018[/fusion_li_item][/fusion_checklist][/fusion_builder_column_inner][fusion_builder_column_inner type=”1_3″ layout=”1_3″ spacing=”0″ center_content=”no” hover_type=”none” link=”” min_height=”” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” background_color=”” background_image=”” background_position=”left top” undefined=”” background_repeat=”no-repeat” border_size=”0″ border_color=”” border_style=”solid” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”left” animation_speed=”0.3″ animation_offset=”” last=”no” border_position=”all”][fusion_checklist icon=”” iconcolor=”#686868″ circle=”no” circlecolor=”” size=”13px” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=””][fusion_li_item icon=”fa-user”]
Auteurs –Frédéric Chabot, François Savaria
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Le compte d’épargne libre d’impôt (CELI) est un outil facile et souple à utiliser. Il peut être utilisé à court et à long terme.
Les comptes CELI offrent plusieurs choix de placements, tels que des placements liés aux marchés, des placements garantis à taux fixes, des fonds de placement, des actions et autres valeurs mobilières. Le CELI s’avère un bon outil de planification de retraite et un excellent moyen pour financer divers projets.
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Les avantages d’un compte CELI sont nombreux. Voici un tour d’horizon des règles d’un CELI :
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S’adresse à tout résident canadien de plus de 18 ans;
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Il n’y a aucune limite d’âge pour cotiser;
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Le CELI s’adresse aux particuliers, peu importe le revenu annuel;
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Il vous permet de cotiser jusqu’à 5 500,00$ en 2018;
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Si vous n’avez jamais cotisé à un CELI et que vous répondez aux conditions depuis 2009, vos droits cumulatifs de cotisation s’élèvent à 57 500$ en 2018;
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Vous pouvez cotiser jusqu’au 31 décembre de l’année en cours;
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Vous pouvez détenir autant de CELI que vous le voulez, tant que vous respectez les limites des plafonds établis;
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Si vous dépasser les limites du plafond établis, une pénalité de 1% s’applique;
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Un compte CELI vous permet de gagner des revenus d’intérêts, de dividendes et gains en capital;
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Les sommes investies ainsi que le rendement des placements ne sont pas imposables (au fédéral comme au provincial);
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Le CELI n’a aucune incidence sur l’admissibilité aux prestations et aux crédits gouvernementaux sur le revenu;
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Vous pouvez retirées en tout temps les sommes désirées et ce peut importe la raison sans incidence fiscale;
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Les retraits génèrent de nouveaux droits de cotisations au début de l’année suivante;
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Les droits de cotisations inutilisés sont ajoutés aux droits de l’année suivante;
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Les sommes de vos comptes CELI peuvent être transférées dans d’autres comptes CELI à votre mort sans affecter les droits de cotisations inutilisés;
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Peut être utilisé comme mise en garantie pour un prêt;
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Vous pouvez donner une somme à votre conjoint(e) pour qu’il (elle) cotise à son CELI, sans être assujettis aux règles d’attributions;
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Aucune imposition au décès;
[/fusion_li_item][/fusion_checklist][/fusion_builder_column][fusion_builder_column type=”2_5″ layout=”1_3″ spacing=”yes” center_content=”yes” hover_type=”none” link=”” min_height=”” hide_on_mobile=”no” class=”” id=”” background_color=”” background_image=”” background_position=”left top” undefined=”” background_repeat=”no-repeat” border_size=”0″ border_color=”” border_style=”solid” border_position=”all” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”25px” margin_bottom=”10px” animation_type=”” animation_direction=”down” animation_speed=”0.1″ animation_offset=”” last=”no”][fusion_testimonials design=”clean” backgroundcolor=”” textcolor=”” random=”” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=””][fusion_testimonial name=”Dre. Sarah-Emmanuelle Daoust” avatar=”none” image=”” image_border_radius=”” company=”” link=”” target=”_self”]
“Le Cabinet Savaria | Chabot m’a permis de me concentrer sur ma carrière professionnelle et de leur laisser la saine gestion de mes actifs financiers.”
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