{"id":1635,"date":"2022-08-15T00:00:00","date_gmt":"2022-08-15T00:00:00","guid":{"rendered":"https:\/\/www.rbcwealthmanagement.com\/fr-ca\/2022\/08\/15\/a-guide-to-making-rrsp-contributions\/"},"modified":"2023-11-01T10:48:48","modified_gmt":"2023-11-01T14:48:48","slug":"a-guide-to-making-rrsp-contributions","status":"publish","type":"post","link":"https:\/\/www.rbcwealthmanagement.com\/fr-ca\/insights\/a-guide-to-making-rrsp-contributions","title":{"rendered":"Guide pour cotiser \u00e0 un REER"},"content":{"rendered":"<p>Un <span><a href=\"\/insights\/understanding-registered-retirement-savings-plans\">r&eacute;gime enregistr&eacute; d&rsquo;&eacute;pargne-retraite<\/a><\/span> (REER) est une excellente fa&ccedil;on d&rsquo;&eacute;pargner en vue de la retraite. Cependant, saviez-vous que cet instrument de placement peut &ecirc;tre aliment&eacute; de plusieurs fa&ccedil;ons&nbsp;?<\/p>\n<p>Voici quelques &eacute;l&eacute;ments &agrave; prendre en consid&eacute;ration lorsque vous cotisez &agrave; votre REER&nbsp;:<\/p>\n<h2>Revenu gagn&eacute;<\/h2>\n<p>Le plafond de cotisation &agrave; votre REER est, en partie, calcul&eacute; en fonction d&rsquo;un pourcentage de votre &laquo;&nbsp;revenu gagn&eacute;&nbsp;&raquo; de l&rsquo;ann&eacute;e pr&eacute;c&eacute;dente. Qu&rsquo;est-ce qui est compris dans le revenu gagn&eacute;&nbsp;? Voici quelques exemples&nbsp;:<\/p>\n<ul>\n<li>le traitement ou le salaire r&eacute;sultant d&rsquo;un emploi. Les d&eacute;penses d&eacute;ductibles li&eacute;es &agrave; l&rsquo;emploi, telles que les cotisations syndicales ou professionnelles.<\/li>\n<li>les prestations d&rsquo;invalidit&eacute; vers&eacute;es par le R&eacute;gime de pensions du Canada (RPC) ou le R&eacute;gime de rentes du Qu&eacute;bec (RRQ) (vous devez &ecirc;tre r&eacute;sident du Canada pour recevoir les versements) et le revenu imposable provenant d&rsquo;un r&eacute;gime d&rsquo;invalidit&eacute;. Les prestations de retraite ordinaires du RPC et du RRQ ne sont pas comprises dans le revenu gagn&eacute;.<\/li>\n<li>le revenu net provenant des activit&eacute;s d&rsquo;un travailleur autonome ou d&rsquo;un associ&eacute; actif d&rsquo;une soci&eacute;t&eacute; de personnes.<\/li>\n<li>le revenu net de location provenant d&rsquo;un bien immobilier.<\/li>\n<li>les versements provenant d&rsquo;un r&eacute;gime compl&eacute;mentaire de prestations d&rsquo;assurance-emploi (autre que l&rsquo;assurance-emploi).<\/li>\n<li>les pensions alimentaires imposables re&ccedil;ues.<\/li>\n<li>les redevances et le montant net des subventions de recherches.<\/li>\n<\/ul>\n<p>Votre revenu gagn&eacute; doit &ecirc;tre r&eacute;duit des montants suivants si l&rsquo;une de ces situations s&rsquo;applique&nbsp;:<\/p>\n<ul>\n<li>les pertes li&eacute;es aux activit&eacute;s d&rsquo;un travailleur autonome ou d&rsquo;un associ&eacute; actif d&rsquo;une soci&eacute;t&eacute; de personnes.<\/li>\n<li>les pertes nettes li&eacute;es &agrave; la location d&rsquo;un bien immobilier.<\/li>\n<li>les pensions alimentaires d&eacute;ductibles.<\/li>\n<\/ul>\n<h2>Plafond de cotisation<\/h2>\n<p>Le plafond annuel de cotisation &agrave; un REER d&eacute;pend de votre revenu gagn&eacute; de l&rsquo;ann&eacute;e pr&eacute;c&eacute;dente et, le cas &eacute;ch&eacute;ant, de la prestation de retraite r&eacute;put&eacute;e (provenant du r&eacute;gime de retraite de votre employeur) de l&rsquo;ann&eacute;e pr&eacute;c&eacute;dente.<\/p>\n<p>Voici une m&eacute;thode de calcul en deux &eacute;tapes pour d&eacute;terminer votre cotisation maximale actuelle &agrave; un REER&nbsp;:<\/p>\n<ol>\n<li>d&eacute;terminez votre plafond global. Il correspond &agrave; 18&nbsp;% de votre revenu gagn&eacute; ou au maximum d&eacute;ductible au titre d&rsquo;un REER pour l&rsquo;ann&eacute;e en cours, si ce dernier est inf&eacute;rieur. Vous pouvez trouver ce plafond sur le <span><a href=\"https:\/\/www.canada.ca\/fr\/agence-revenu\/services\/impot\/administrateurs-regimes-enregistres\/fesp\/plafonds-cd-reer-rpdb-celi-mgap.html\" target=\"_blank\" rel=\"noopener\" class=\"link-ext\">site Web du gouvernement du Canada \t<\/a><\/span>.<\/li>\n<p> <\/p>\n<li>soustrayez votre facteur d&rsquo;&eacute;quivalence (FE) de l&rsquo;ann&eacute;e pr&eacute;c&eacute;dente, s&rsquo;il y a lieu.<\/li>\n<\/ol>\n<p>Veuillez utiliser les formules ci-dessus pour calculer votre plafond global. Ce montant sera r&eacute;duit si vous participez &agrave; un r&eacute;gime de retraite. Si vous n&rsquo;&ecirc;tes pas inscrit &agrave; un r&eacute;gime de retraite ou &agrave; un r&eacute;gime de participation diff&eacute;r&eacute;e aux b&eacute;n&eacute;fices (RPDB), votre plafond global calcul&eacute; &agrave; la premi&egrave;re &eacute;tape repr&eacute;sente votre cotisation maximale actuelle pour l&rsquo;ann&eacute;e.<\/p>\n<h2>R&egrave;gle du report<\/h2>\n<p>Les particuliers qui ne versent pas la cotisation annuelle maximale permise &agrave; leur REER peuvent reporter la &laquo;&nbsp;portion inutilis&eacute;e&nbsp;&raquo; dans les ann&eacute;es subs&eacute;quentes. Les droits inutilis&eacute;s peuvent ainsi &ecirc;tre report&eacute;s ind&eacute;finiment.<\/p>\n<p>Sachez toutefois que le fait d&rsquo;attendre jusqu&rsquo;&agrave; l&rsquo;ann&eacute;e future pour vous &laquo;&nbsp;rattraper&nbsp;&raquo; en vous pr&eacute;valant de vos droits de cotisation des ann&eacute;es ant&eacute;rieures entra&icirc;nera, dans la plupart des cas, une r&eacute;duction de la cotisation au REER en raison de la perte de la croissance &agrave; imposition diff&eacute;r&eacute;e.<\/p>\n<h2>Cotisations exc&eacute;dentaires<\/h2>\n<p>Si vos cotisations n&rsquo;exc&egrave;dent pas votre plafond de 2&thinsp;000&nbsp;$ de fa&ccedil;on cumulative, vous n&rsquo;avez pas &agrave; payer une p&eacute;nalit&eacute; de 1&nbsp;% par mois sur le montant exc&eacute;dentaire.<\/p>\n<p>Si vos cotisations exc&egrave;dent ce plafond, elles seront soumises &agrave; une p&eacute;nalit&eacute; si vous ne retirez pas l&rsquo;exc&eacute;dent. Le montant exc&eacute;dentaire constitue un revenu imposable, &agrave; moins qu&rsquo;il ne soit retir&eacute; pendant l&rsquo;ann&eacute;e o&ugrave; il a &eacute;t&eacute; vers&eacute;, soit l&rsquo;ann&eacute;e o&ugrave; vous recevez l&rsquo;avis de cotisation de l&rsquo;Agence du revenu du Canada (ARC) ou l&rsquo;ann&eacute;e suivante.<\/p>\n<p><strong>Nota&nbsp;:<\/strong> Le plafond de cotisation exc&eacute;dentaire de 2&thinsp;000&nbsp;$ n&rsquo;est offert qu&rsquo;aux personnes qui ont eu 18&nbsp;ans au cours d&rsquo;une ann&eacute;e pr&eacute;c&eacute;dente.<\/p>\n<h2>Cotisations vers&eacute;es au moyen de titres<\/h2>\n<p>Si vous n&rsquo;avez pas de liquidit&eacute;s n&eacute;cessaires pour cotiser &agrave; un REER, vous pouvez y verser des placements admissibles &agrave; l&rsquo;ext&eacute;rieur, &agrave; leur juste valeur de march&eacute;. Aux fins de l&rsquo;imp&ocirc;t, les placements vers&eacute;s dans un REER (soit une cotisation en nature) sont trait&eacute;s comme s&rsquo;ils avaient &eacute;t&eacute; vendus. Par cons&eacute;quent, un tel transfert peut entra&icirc;ner &agrave; un gain en capital imposable.<\/p>\n<p>Malheureusement, si la juste valeur de march&eacute; du placement transf&eacute;r&eacute; est inf&eacute;rieure &agrave; son co&ucirc;t d&rsquo;origine, la perte en capital ne peut pas &ecirc;tre d&eacute;duite. De plus, tout int&eacute;r&ecirc;t couru jusqu&rsquo;&agrave; la date du transfert doit &ecirc;tre d&eacute;clar&eacute; comme un revenu (c.-&agrave;-d. l&rsquo;int&eacute;r&ecirc;t gagn&eacute;, mais non vers&eacute;).<\/p>\n<h2>Transferts &agrave; un REER<\/h2>\n<p>Certains montants peuvent &eacute;galement &ecirc;tre transf&eacute;r&eacute;s &agrave; votre REER en compl&eacute;ment de votre limite de cotisation permise. Ils peuvent &ecirc;tre vers&eacute;s entre r&eacute;gimes enregistr&eacute;s en franchise d&rsquo;imp&ocirc;t. Il s&rsquo;agit des montants suivants&nbsp;:<\/p>\n<ul>\n<li>les indemnit&eacute;s de d&eacute;part &agrave; la retraite (versement forfaitaire sous forme de forfait de d&eacute;part &agrave; la retraite ou d&rsquo;indemnit&eacute; de d&eacute;part).<\/li>\n<li>les transferts forfaitaires &agrave; partir d&rsquo;un r&eacute;gime de retraite.<\/li>\n<li>les transferts d&rsquo;un autre REER.<\/li>\n<\/ul>\n<p>Avant de cotiser aux r&eacute;gimes <span><a href=\"\/solutions\/retirement-income-planning\">d&rsquo;&eacute;pargne-retraite<\/a><\/span>, assurez-vous de bien comprendre vos options.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Saviez-vous qu\u2019il existe plusieurs fa\u00e7ons de cotiser \u00e0 votre REER ? Si vous voulez \u00e9pargner pour la retraite, voici quelques pistes de r\u00e9flexion.<\/p>\n","protected":false},"author":0,"featured_media":1637,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"rbcwm_post_date":"","editor_notices":[],"rbc_url_alias":"","rbcwm_featured_desktop_image_position":"","rbcwm_featured_mobile_image_position":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[520],"tags":[],"rbcwm_content_owner":[],"rbcwm_need":[546,552],"rbcwm_segment":[538,537],"rbcwm_solution":[550],"rbcwm_topic":[551],"rbcwm_channel":[],"rbcwm_format":[],"class_list":["post-1635","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-retraite","rbcwm_need-croissance","rbcwm_need-vivre","rbcwm_segment-particuliers-et-familles","rbcwm_segment-proprietaires-dentreprise-et-entrepreneurs","rbcwm_solution-planification-de-patrimoine","rbcwm_topic-votre-patrimoine"],"acf":{"rbcwm_subtitle":"Saviez-vous qu\u2019il existe plusieurs fa\u00e7ons de cotiser \u00e0 votre REER ? Si vous voulez \u00e9pargner pour la retraite, voici quelques pistes de r\u00e9flexion.","rbcwm_post_author":[],"rbcwm_custom_breadcrumb_text":"","rbcwm_custom_breadcrumb_link_url":"","rbcwm_disclaimers":{"add_disclosures":["No"],"perspective_disclaimer":["No"],"expandable":[],"omit_from_pages":[],"disclaimer_footnote":"<p>Le pr&eacute;sent article ne vous est propos&eacute; qu&rsquo;&agrave; titre informatif. Il n&rsquo;a pas pour but de vous offrir des conseils fiscaux ou juridiques. Il est essentiel que vous obteniez des conseils professionnels d&rsquo;un fiscaliste et d&rsquo;un conseiller juridique qualifi&eacute;s avant d&rsquo;agir sur la base des renseignements fournis dans cet article. Ainsi, vous serez certain que votre propre situation sera prise en consid&eacute;ration et que les d&eacute;cisions prises seront fond&eacute;es sur les lois actuelles.<\/p>"},"rbcwm_insight_cta_id":10838,"rbcwm_pagination":{"next_link":"","next_link_text":"","previous_link":"","previous_link_text":""},"rbcwm_video_duration":"","article_time":"","rbcwm_enable_toc":false,"rbcwm_toc_selector":"h2"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.8 (Yoast SEO v26.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Guide pour cotiser \u00e0 un REER<\/title>\n<meta name=\"description\" content=\"Saviez-vous qu\u2019il existe plusieurs fa\u00e7ons de cotiser \u00e0 votre REER ? 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