{"id":1668,"date":"2022-07-20T00:00:00","date_gmt":"2022-07-20T00:00:00","guid":{"rendered":"https:\/\/www.rbcwealthmanagement.com\/fr-ca\/2022\/07\/20\/understanding-registered-retirement-savings-plans\/"},"modified":"2023-11-01T10:48:54","modified_gmt":"2023-11-01T14:48:54","slug":"understanding-registered-retirement-savings-plans","status":"publish","type":"post","link":"https:\/\/www.rbcwealthmanagement.com\/fr-ca\/insights\/understanding-registered-retirement-savings-plans","title":{"rendered":"Comprendre les r\u00e9gimes enregistr\u00e9s d\u2019\u00e9pargne-retraite (REER)"},"content":{"rendered":"\n<p>La plupart des Canadiens voient leur r\u00e9gime enregistr\u00e9 d\u2019\u00e9pargne-retraite (REER) comme une importante source de revenu pour la retraite. Pour atteindre vos objectifs de retraite, il est essentiel de comprendre comment tirer le meilleur parti de votre REER \u2013 et maximiser les avantages fiscaux connexes.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-qu-est-ce-qu-un-reer-nbsp\">Qu\u2019est-ce qu\u2019un REER&nbsp;?<\/h2>\n\n\n\n<p>Un REER est un instrument de placement \u00e0 l\u2019abri de l\u2019imp\u00f4t qui constitue une m\u00e9thode efficace pour \u00e9pargner en vue de la retraite. Les cotisations REER donnent lieu \u00e0 une d\u00e9duction fiscale, et le revenu gagn\u00e9 dans le r\u00e9gime s\u2019accumule \u00e0 l\u2019abri de l\u2019imp\u00f4t. Les particuliers qui disposent de droits de cotisation \u00e0 leur REER au Canada peuvent cotiser jusqu\u2019\u00e0 la fin de l\u2019ann\u00e9e au cours de laquelle ils atteignent l\u2019\u00e2ge de 71&nbsp;ans.<\/p>\n\n\n\n<p>Les types de placements admissibles au titre d\u2019un REER comprennent les titres \u00e0 revenu fixe, les actions, les fonds communs de placement, les actions de soci\u00e9t\u00e9s ferm\u00e9es, et plus encore. De plus, l\u2019abolition en 2005 de la limite de contenu \u00e9tranger dans les r\u00e9gimes d\u2019\u00e9pargne enregistr\u00e9s vous permet d\u00e9sormais d\u2019investir partout dans le monde.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-avantages-des-placements-dans-les-reer\">Avantages des placements dans les REER<\/h2>\n\n\n\n<p>La plupart des gens connaissent les avantages des REER, mais nombreux sont ceux qui n\u2019en exploitent pas les particularit\u00e9s au maximum. Il y a trois principaux avantages \u00e0 investir dans un REER&nbsp;: \u00e9conomies d\u2019imp\u00f4t, capitalisation avec report d\u2019imp\u00f4t et fractionnement du revenu.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-economie-d-impot\">1. \u00c9conomie d\u2019imp\u00f4t<\/h3>\n\n\n\n<p>Les cotisations \u00e0 un REER sont d\u00e9ductibles d\u2019imp\u00f4t, sous r\u00e9serve de certains plafonds prescrits. Vous pouvez d\u00e9cider de d\u00e9duire de votre revenu imposable toute cotisation vers\u00e9e \u00e0 un REER l\u2019ann\u00e9e o\u00f9 elle est vers\u00e9e. Cette d\u00e9duction r\u00e9duit le montant du revenu imposable et, donc, l\u2019imp\u00f4t exigible. L\u2019\u00e9conomie d\u2019imp\u00f4t r\u00e9elle d\u00e9pendra de votre taux d\u2019imposition marginal.<\/p>\n\n\n\n<p>Le tableau pr\u00e9sent\u00e9 ci-dessous indique le montant d\u2019imp\u00f4t \u00e9pargn\u00e9 et le co\u00fbt apr\u00e8s imp\u00f4t d\u2019une cotisation REER de 1\u2009000&nbsp;$ \u00e0 diff\u00e9rents taux marginaux d\u2019imposition.<\/p>\n\n\n\n<figure class=\"wp-block-table table table-compact mb-1\"><table class=\"has-fixed-layout\"><thead><tr><th>Taux d\u2019imposition marginal<\/th><th>\u00c9conomie d\u2019imp\u00f4t<\/th><th>Co\u00fbt apr\u00e8s imp\u00f4t<\/th><\/tr><\/thead><tbody><tr><td>25&nbsp;%<\/td><td>250&nbsp;$<\/td><td>750&nbsp;$<\/td><\/tr><tr><td>40&nbsp;%<\/td><td>400&nbsp;$<\/td><td>600&nbsp;$<\/td><\/tr><tr><td>45&nbsp;%<\/td><td>450&nbsp;$<\/td><td>650&nbsp;$<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-capitalisation-a-l-abri-de-l-impot\">2. Capitalisation \u00e0 l\u2019abri de l\u2019imp\u00f4t<\/h3>\n\n\n\n<p>L\u2019une des possibilit\u00e9s les plus int\u00e9ressantes du REER est le rendement \u00e0 imposition diff\u00e9r\u00e9e des revenus gagn\u00e9s au sein du r\u00e9gime. L\u2019expression \u00ab&nbsp;avec report d\u2019imp\u00f4t&nbsp;\u00bb d\u00e9signe le fait que tout le revenu gagn\u00e9 dans un REER s\u2019accumule \u00e0 l\u2019abri de l\u2019imp\u00f4t jusqu\u2019au retrait.<\/p>\n\n\n\n<p>Si vous avez 10\u2009000&nbsp;$ \u00e0 investir et que vous avez le choix de verser ou non une cotisation \u00e0 un REER, examinez le tableau ci-dessous qui montre la diff\u00e9rence entre investir \u00e0 l\u2019int\u00e9rieur et \u00e0 l\u2019ext\u00e9rieur d\u2019un REER (c.-\u00e0-d., avec report d\u2019imp\u00f4t ou non). N\u2019oubliez pas que si vous investissez dans un REER, vous \u00e9conomiserez 4\u2009000&nbsp;$ d\u2019imp\u00f4t (en supposant un taux d\u2019imposition de 40&nbsp;%). Ainsi, une cotisation de 10\u2009000&nbsp;$ \u00e0 un REER se compare \u00e0 un placement de 6\u2009000&nbsp;$ \u00e0 l\u2019ext\u00e9rieur du REER, en supposant que les \u00e9conomies d\u2019imp\u00f4t sont r\u00e9investies.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-capitalisation-a-l-abri-de-l-impot-8\">Capitalisation \u00e0 l\u2019abri de l\u2019imp\u00f4t \u2013 8 %<\/h4>\n\n\n\n<div class=\"row migrated\">     <div class=\"col-lg-10 col-md-8 col-sm-8 col-xs-10 col-xxs-12\"><img decoding=\"async\" src=\"https:\/\/www.rbcwealthmanagement.com\/fr-ca\/wp-content\/uploads\/sites\/6\/2022\/07\/tax-deferred-compounding-fr-chart.png\" alt=\"Le graphique \u00e0 barres montre les diff\u00e9rences entre un placement de 10 000 $ dans un REER et un placement de 10 000 $ en dehors d\u2019un REER\" class=\"img-fluid mb-1-half\" \/>         <p id=\"chart1desc\" class=\"sr-only\">Le graphique \u00e0 barres montre les diff\u00e9rences entre un placement de 10 000 $ dans un REER et un placement de 10 000 $ en dehors d\u2019un REER, tous deux \u00e0 un taux compos\u00e9 de 8 %, sur des p\u00e9riodes de 10 ans, 20 ans et 30 ans. Apr\u00e8s 10 ans, ces placements valent 9 589 $ en dehors du REER et 21 589 $ dans le REER. Apr\u00e8s 20 ans, le capital investi en dehors du REER vaut 15 324 $ et celui dans le REER, 46 410 $. Et apr\u00e8s 30 ans, la valeur du placement en dehors du REER est de 24 490 $ et celle du placement dans le REER, de 100 627 $..<\/p>         <div class=\"row mb-1-half\">             <div class=\"col-sm-6\">                 <div class=\"rbc-display\">                     <hr class=\"d-inline-block mb-quarter mr-quarter mt-0\"                         style=\"width: 12px; border-top: 12px solid rgb(135, 175, 191); vertical-align: middle;\">Hors du REER                 <\/div>             <\/div>             <div class=\"col-sm-6\">                 <div class=\"rbc-display\">                     <hr class=\"d-inline-block mb-quarter mr-quarter mt-0\"                         style=\"width: 12px; border-top: 12px solid rgb(0, 39, 80); vertical-align: middle;\">\u00c0 l\u2019int\u00e9rieur du REER                 <\/div>             <\/div>         <\/div>     <\/div> <\/div>\n\n\n\n<p>Comme vous le voyez dans le tableau, la cotisation au REER est plus avantageuse, mais jusqu\u2019\u00e0 quel point&nbsp;?<\/p>\n\n\n\n<p>Pour \u00e9valuer l\u2019avantage que conf\u00e8re l\u2019investissement dans un REER, nous avons converti la valeur du REER en un montant apr\u00e8s imp\u00f4t. Aux fins de cette comparaison, supposons que, la dixi\u00e8me ann\u00e9e, vous retirerez les 21\u2009589&nbsp;$ accumul\u00e9s et que ce revenu est imposable \u00e0 un taux de 40&nbsp;%. M\u00eame dans le cas improbable o\u00f9 il faudrait liquider le REER la dixi\u00e8me ann\u00e9e, vous aurez accumul\u00e9 3\u2009364&nbsp;$ de plus en investissant dans un REER. Si vous laissez l\u2019argent dans le REER apr\u00e8s la dixi\u00e8me ann\u00e9e, il fructifiera encore davantage.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. Fractionnement du revenu<\/h3>\n\n\n\n<p>Les strat\u00e9gies de fractionnement du revenu entre conjoints peuvent procurer d\u2019importantes \u00e9conomies d\u2019imp\u00f4t. L\u2019une des fa\u00e7ons les plus simples, mais n\u00e9anmoins efficaces, de fractionner le revenu entre des partenaires consiste \u00e0 cotiser \u00e0 un REER de conjoint. Cette strat\u00e9gie vise \u00e0 procurer aux deux parties le m\u00eame revenu de retraite de sorte qu\u2019ils auront le m\u00eame taux d\u2019imposition une fois \u00e0 la retraite.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Utilisation du cr\u00e9dit REER des acheteurs d\u2019une premi\u00e8re maison<\/h2>\n\n\n\n<p>Le R\u00e9gime d\u2019accession \u00e0 la propri\u00e9t\u00e9 du gouvernement f\u00e9d\u00e9ral vous permet d\u2019utiliser jusqu\u2019\u00e0 60\u2009000\u00a0$ (120\u2009000\u00a0$ pour un couple) de votre \u00e9pargne REER pour financer la mise de fonds de votre premi\u00e8re maison. Pour utiliser les fonds de votre REER, ceux-ci doivent y avoir \u00e9t\u00e9 d\u00e9pos\u00e9s depuis au moins 90\u00a0jours. Vous devez avoir sign\u00e9 un contrat d\u2019achat ou de construction d\u2019un logement admissible. Le retrait n\u2019est pas imposable si la somme est rembours\u00e9e dans les 15\u00a0ans qui suivent.<\/p>\n\n\n\n<p>Pour l\u2019ann\u00e9e d\u2019imposition&nbsp;2022 et les ann\u00e9es subs\u00e9quentes, le budget f\u00e9d\u00e9ral propose de porter de 5\u2009000&nbsp;$ \u00e0 10\u2009000&nbsp;$ le montant utilis\u00e9 pour le calcul du Cr\u00e9dit d\u2019imp\u00f4t pour l\u2019achat d\u2019une premi\u00e8re habitation. Cela permettrait d\u2019octroyer un cr\u00e9dit d\u2019imp\u00f4t maximal de 1\u2009500&nbsp;$ aux acheteurs d\u2019une maison admissibles.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Conna\u00eetre ses options<\/h2>\n\n\n\n<p>Un REER est un excellent moyen d\u2019\u00e9pargner pour l\u2019avenir et vous permet de profiter de belles d\u00e9ductions fiscales et des reports d\u2019imp\u00f4t significatifs jusqu\u2019au retrait. Assurez-vous de bien comprendre vos options avant d\u2019y cotiser.<\/p>\n\n\n\n<p><em>Cet article a \u00e9t\u00e9 mis \u00e0 jour en d\u00e9cembre 2025.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Un REER est un excellent moyen d\u2019\u00e9pargner pour l\u2019avenir et il est important de comprendre vos options avant d\u2019y cotiser.<\/p>\n","protected":false},"author":0,"featured_media":1671,"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":[124,69,234,275],"rbcwm_content_owner":[],"rbcwm_need":[547,552],"rbcwm_segment":[538,537],"rbcwm_solution":[550],"rbcwm_topic":[553],"rbcwm_channel":[],"rbcwm_format":[],"class_list":["post-1668","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-retraite","tag-retirement","tag-retirement-planning","tag-rrsp","tag-saving-for-retirement","rbcwm_need-preservation","rbcwm_need-vivre","rbcwm_segment-particuliers-et-familles","rbcwm_segment-proprietaires-dentreprise-et-entrepreneurs","rbcwm_solution-planification-de-patrimoine","rbcwm_topic-education"],"acf":{"rbcwm_subtitle":"Un REER est un excellent moyen d\u2019\u00e9pargner pour l\u2019avenir et il est important de comprendre vos options avant d\u2019y cotiser.","rbcwm_post_author":"","rbcwm_custom_breadcrumb_text":"","rbcwm_custom_breadcrumb_link_url":"","rbcwm_disclaimers":{"add_disclosures":"","perspective_disclaimer":"","expandable":"","omit_from_pages":"","disclaimer_footnote":""},"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>Comprendre les r\u00e9gimes enregistr\u00e9s d\u2019\u00e9pargne-retraite (REER)<\/title>\n<meta name=\"description\" content=\"Un REER est un excellent moyen d\u2019\u00e9pargner pour l\u2019avenir et il est important de comprendre 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