Le guide complet du REER 2017

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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 REER 2017

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Catégorie – Planification Financière , Retraite, Placements

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Auteurs –Frédéric Chabot, François Savaria

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D’une façon générale, le REER ou Régime Enregistré d’Épargne Retraite est un mécanisme qui permet l’accumulation d’épargne à l’abri de l’impôt en vue de compléter les revenus à la retraite. Le revenu gagné dans un tel régime n’est pas imposable au moment du gain et le paiement des impôts est reporté à une date ultérieure soit au moment ou des sommes sont retirées de votre compte REER. Les cotisations à un REER sont déductibles d’impôt, sous réserve des plafonds fixés par l’Agence du Revenu du Canada. L’argent du REER peut être investi dans tout type de produits financiers tel que fonds communs de placement, FNB (fonds négociés en bourse), CPG (certificat de placement garanti) actions, obligations et autres titres financiers de sociétés publiques.

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Un tel régime vient avec de nombreux avantages mais aussi avec des contraintes dont il faut tenir compte. La suite en donne un résumé.

Vous réussissez à mettre un peu d’argent de coté pour votre retraite mais est-ce que ce sera suffisant? D’où proviendront vos revenus pour soutenir votre train de vie à la retraite?

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La cotisation annuelle est limitée à 18% du revenu gagné.