{"id":2609,"date":"2018-02-01T21:40:01","date_gmt":"2018-02-01T21:40:01","guid":{"rendered":"https:\/\/savariachabot.com\/2018\/02\/01\/le-guide-complet-du-reer-2017\/?lang=en"},"modified":"2018-02-07T18:21:57","modified_gmt":"2018-02-07T18:21:57","slug":"le-guide-complet-du-reer-2017","status":"publish","type":"post","link":"https:\/\/savariachabot.com\/en\/2018\/02\/01\/le-guide-complet-du-reer-2017\/","title":{"rendered":"Le guide complet du REER 2017"},"content":{"rendered":"

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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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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=””]<\/p>\n

Le guide complet du REER<\/strong> 2017<\/span><\/h2>\n

[\/fusion_title][fusion_checklist icon=”” iconcolor=”” circle=”” circlecolor=”” size=”13px” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=””][fusion_li_item icon=””]<\/p>\n

Cat\u00e9gorie –\u00a0 <\/strong>Planification Financi\u00e8re , \u00a0Retraite, Placements<\/span><\/p>\n

[\/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 –<\/strong> 01 F\u00e9vrier 2018<\/span>[\/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”]<\/p>\n

Auteurs –<\/strong>Fr\u00e9d\u00e9ric Chabot, Fran\u00e7ois Savaria<\/span><\/p>\n

[\/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” element_content=””][\/fusion_builder_column_inner][\/fusion_builder_row_inner][\/fusion_builder_column][fusion_builder_column type=”3_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=”” margin_bottom=”10px” animation_type=”” animation_direction=”left” animation_speed=”0.1″ animation_offset=”” last=”no”][fusion_text]<\/p>\n

D\u2019une fa\u00e7on g\u00e9n\u00e9rale, le REER ou R\u00e9gime Enregistr\u00e9 d\u2019\u00c9pargne Retraite est un m\u00e9canisme qui permet l\u2019accumulation d\u2019\u00e9pargne \u00e0 l\u2019abri de l\u2019imp\u00f4t en vue de compl\u00e9ter les revenus \u00e0 la retraite. Le revenu gagn\u00e9 dans un tel r\u00e9gime n\u2019est pas imposable au moment du gain et le paiement des imp\u00f4ts est report\u00e9 \u00e0 une date ult\u00e9rieure soit au moment ou des sommes sont retir\u00e9es de votre compte REER. Les cotisations \u00e0 un REER sont d\u00e9ductibles d\u2019imp\u00f4t, sous r\u00e9serve des plafonds fix\u00e9s par l\u2019Agence du Revenu du Canada. L\u2019argent du REER peut \u00eatre investi dans tout type de produits financiers tel que fonds communs de placement, FNB (fonds n\u00e9goci\u00e9s en bourse), CPG (certificat de placement garanti) actions, obligations et autres titres financiers de soci\u00e9t\u00e9s publiques.<\/em><\/strong><\/p>\n

[\/fusion_text][\/fusion_builder_column][fusion_builder_column type=”2_5″ layout=”2_5″ 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=”0px” margin_bottom=”10px” animation_type=”” animation_direction=”down” animation_speed=”0.1″ animation_offset=”” last=”no”][fusion_imageframe image_id=”2586″ style_type=”none” stylecolor=”” hover_type=”none” bordersize=”0px” bordercolor=”” borderradius=”0″ align=”center” lightbox=”no” gallery_id=”” lightbox_image=”” alt=”” link=”” linktarget=”_self” hide_on_mobile=”no” class=”” id=”” animation_type=”” animation_direction=”down” animation_speed=”0.1″ animation_offset=””]https:\/\/savariachabot.com\/wp-content\/uploads\/2018\/02\/reer-1.jpg[\/fusion_imageframe][\/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=”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=”” padding_top=”0″ padding_right=”” padding_bottom=”0″ padding_left=””][fusion_builder_row][fusion_builder_column type=”3_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=”” margin_bottom=”10px” animation_type=”” animation_direction=”left” animation_speed=”0.1″ animation_offset=”” last=”no”][fusion_text]<\/p>\n

Un tel r\u00e9gime vient avec de nombreux avantages mais aussi avec des contraintes dont il faut tenir compte. La suite en donne un r\u00e9sum\u00e9.<\/p>\n

Vous r\u00e9ussissez \u00e0 mettre un peu d\u2019argent de cot\u00e9 pour votre retraite mais est-ce que ce sera suffisant? \u00a0D\u2019o\u00f9 proviendront vos revenus pour soutenir votre train de vie \u00e0 la retraite?<\/p>\n

[\/fusion_text][fusion_checklist icon=”fa-long-arrow-right” iconcolor=”#9e9e9e” circle=”no” circlecolor=”” size=”15px” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=””][fusion_li_item icon=””]<\/p>\n

La cotisation annuelle est limit\u00e9e \u00e0 18%<\/strong> du revenu gagn\u00e9.<\/p>\n

[\/fusion_li_item][fusion_li_item icon=””]<\/p>\n

26 010$<\/strong> est la cotisation maximale pour l\u2019ann\u00e9e fiscale 2017. En 2018 cette somme sera de 26 230$<\/strong>.<\/p>\n

[\/fusion_li_item][fusion_li_item icon=””]<\/p>\n

Une contribution exc\u00e9dentaire de 2 000$<\/strong> est permise.<\/p>\n

[\/fusion_li_item][fusion_li_item icon=””]<\/p>\n

Les droits de cotisation non utilis\u00e9s s\u2019accumulent au fil des ans et peuvent \u00eatre utilis\u00e9s \u00e0 tout moment sans incidence fiscale.<\/p>\n

[\/fusion_li_item][fusion_li_item icon=””]<\/p>\n

Il est permis de contribuer au REER<\/strong> du conjoint ou de la conjointe.<\/p>\n

[\/fusion_li_item][fusion_li_item icon=””]<\/p>\n

Le REER<\/strong> est transf\u00e9rable au conjoint ou \u00e0 la conjointe au d\u00e9c\u00e8s et ce sans cons\u00e9quence fiscale.<\/p>\n

[\/fusion_li_item][fusion_li_item icon=””]<\/p>\n

L\u2019argent dans un REER<\/strong> peut \u00eatre utilis\u00e9 pour l\u2019achat d\u2019une maison (RAP). Toutefois, des modalit\u00e9s de remboursement sont pr\u00e9vues.<\/p>\n

[\/fusion_li_item][fusion_li_item icon=””]<\/p>\n

Sous certaines conditions, il est permis de retirer des sommes pour financer un retour aux \u00e9tudes (REEP<\/strong>).<\/p>\n

[\/fusion_li_item][fusion_li_item icon=””]<\/p>\n

Les sommes doivent \u00eatres transf\u00e9r\u00e9es dans un compte FEER (Fond Enregistr\u00e9 de Revenu de Retraite)<\/strong> au plus tard le 31 d\u00e9cembre de l\u2019ann\u00e9e ou vous aurez 71 ans.<\/p>\n

[\/fusion_li_item][fusion_li_item icon=””]<\/p>\n

Il est possible de contribuer \u00e0 la fois \u00e0 un r\u00e9gime de retraite de l\u2019employeur (RAP, RPDB)<\/strong> et \u00e0 un REER. Toutefois les sommes vers\u00e9s au r\u00e9gime de l\u2019employeur viennent r\u00e9duire le montant de la cotisation permise pour le REER<\/strong>.<\/p>\n

[\/fusion_li_item][fusion_li_item icon=””]<\/p>\n

Les cotisations annuelles au REER<\/strong> sont d\u00e9duites du revenu gagn\u00e9 et r\u00e9duisent d\u2019autant la facture d\u2019imp\u00f4t.<\/p>\n

[\/fusion_li_item][fusion_li_item icon=””]<\/p>\n

La date limite pour contribuer est le 1 Mars 2018.<\/p>\n

[\/fusion_li_item][fusion_li_item icon=””]<\/p>\n

Les sommes retir\u00e9es du compte REER<\/strong> doivent \u00eatre ajout\u00e9es \u00e0 votre revenu de l\u2019ann\u00e9e en cours. La facture d\u2019imp\u00f4t en sera affect\u00e9e d\u2019autant.<\/p>\n

[\/fusion_li_item][fusion_li_item icon=””]<\/p>\n

Il est permis de contribuer au REER<\/strong> sans demander la d\u00e9duction \u00e0 fin d\u2019imp\u00f4t pour l\u2019ann\u00e9e en cours.<\/p>\n

[\/fusion_li_item][fusion_li_item icon=””]<\/p>\n

Les d\u00e9ductions non utilis\u00e9es peuvent \u00eatre report\u00e9es aux ann\u00e9es ult\u00e9rieures et servir \u00e0 r\u00e9duire les imp\u00f4ts \u00e0 payer pour une ann\u00e9e (ou plusieurs ann\u00e9es) ou vos revenus sont plus importants.<\/p>\n

[\/fusion_li_item][fusion_li_item icon=””]<\/p>\n

Le REER<\/strong> n\u2019est pas un outil financier. Le niveau de risque d\u00e9pend des placements que vous ferez.<\/p>\n

[\/fusion_li_item][fusion_li_item icon=””]<\/p>\n

Il est possible de contribuer \u00e0 un REER<\/strong> en y transf\u00e9rant un placement d\u00e9tenu personnellement.<\/p>\n

[\/fusion_li_item][fusion_li_item icon=””]<\/p>\n

Au d\u00e9c\u00e8s, il est possible de transf\u00e9rer un REER<\/strong> libre d\u2019imp\u00f4t \u00e0 un b\u00e9n\u00e9ficiaire (conjoint, conjointe, enfant, etc) pr\u00e9alablement d\u00e9sign\u00e9.<\/p>\n

[\/fusion_li_item][fusion_li_item icon=””]<\/p>\n

Il n\u2019y a pas d\u2019\u00e2ge minimal pour cotiser. Toutefois pour accumuler des droits de cotisation, il faut avoir un revenu d\u2019emploi ou d\u2019entreprise.<\/p>\n

[\/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”]<\/p>\n

\u201cLe Cabinet Savaria | Chabot m\u2019a permis de me concentrer sur ma carri\u00e8re professionnelle et de leur laisser la saine gestion de mes actifs financiers.\u201d<\/p>\n

[\/fusion_testimonial][\/fusion_testimonials][fusion_separator style_type=”none” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” sep_color=”” top_margin=”30″ bottom_margin=”” border_size=”0″ icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” \/][fusion_widget_area name=”avada-blog-sidebar” title_size=”” title_color=”” background_color=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” \/][\/fusion_builder_column][\/fusion_builder_row][\/fusion_builder_container]<\/p>\n","protected":false},"excerpt":{"rendered":"

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