{"id":196,"date":"2017-06-06T02:04:56","date_gmt":"2017-06-06T01:04:56","guid":{"rendered":"http:\/\/stephaneblanchard.ca\/clients\/gestionlalonde\/?page_id=196"},"modified":"2025-12-07T15:19:50","modified_gmt":"2025-12-07T20:19:50","slug":"vehicules-de-placements","status":"publish","type":"page","link":"https:\/\/gestionlalonde.com\/accueil\/vehicules-de-placements\/","title":{"rendered":"V\u00e9hicules de placements"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row full_width=\u00a0\u00bbstretch_row\u00a0\u00bb css=\u00a0\u00bb.vc_custom_1498590303983{padding-top: 140px !important;padding-bottom: 140px !important;background-image: url(http:\/\/gestionlalonde.com\/wp-content\/uploads\/2017\/06\/header-4.jpg?id=341) !important;}\u00a0\u00bb][vc_column][\/vc_column][\/vc_row][vc_row full_width=\u00a0\u00bbstretch_row_content\u00a0\u00bb css=\u00a0\u00bb.vc_custom_1496331342398{background-color: #f4f4f4 !important;}\u00a0\u00bb][vc_column width=\u00a0\u00bb1\/4&Prime;][\/vc_column][vc_column width=\u00a0\u00bb1\/2&Prime;][vc_column_text]<\/p>\n<h1><span style=\"color: #147fb6; font-size: 30px;\">V\u00c9HICULES DE PLACEMENTS<\/span><\/h1>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<ul class=\"list-arrow\">\n<li><a href=\"#REER\">REER \u2013 R\u00e9gime enregistr\u00e9 d\u2019\u00e9pargne retraite<\/a><\/li>\n<li><a href=\"#CELI\">CELI \u2013 Compte d\u2019\u00e9pargne libre d\u2019imp\u00f4t<\/a><\/li>\n<li><a href=\"#REEE\">REEE \u2013 R\u00e9gime enregistr\u00e9 d\u2019\u00e9pargne \u00e9tudes<\/a><\/li>\n<li><a href=\"#REEI\">REEI \u2013 R\u00e9gime enregistr\u00e9 d\u2019\u00e9pargne invalidit\u00e9<\/a><\/li>\n<li><a href=\"#CRI\">CRI REER -Compte de retraite immobilis\u00e9 (CRI) et R\u00e9gime enregistr\u00e9 d\u2019\u00e9pargne retraite immobilis\u00e9 (REER immobilis\u00e9)<\/a><\/li>\n<li><a href=\"#FERR\">FERR FRV \u2013 Fonds enregistr\u00e9 de revenu de retraite (FERR) et Fonds de revenu viager (FRV)<\/a><\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][vc_column width=\u00a0\u00bb1\/4&Prime;][\/vc_column][\/vc_row][vc_row full_width=\u00a0\u00bbstretch_row_content\u00a0\u00bb][vc_column width=\u00a0\u00bb1\/6&Prime;][\/vc_column][vc_column width=\u00a0\u00bb2\/3&Prime;][vc_column_text]Lorsque vient le temps de parler d\u2019\u00e9pargne, il importe de bien conna\u00eetre les diff\u00e9rents v\u00e9hicules de placements disponibles. En tant que planificateur financier et repr\u00e9sentant en \u00e9pargne collective, les recommandations du v\u00e9hicule de placements appropri\u00e9 est une priorit\u00e9 pour l\u2019atteinte de vos objectifs et l\u2019optimisation de vos finances personnelles.[\/vc_column_text][\/vc_column][vc_column width=\u00a0\u00bb1\/6&Prime;][\/vc_column][\/vc_row][vc_row][vc_column width=\u00a0\u00bb1\/6&Prime;][\/vc_column][vc_column width=\u00a0\u00bb2\/3&Prime;][vc_tta_accordion style=\u00a0\u00bbflat\u00a0\u00bb shape=\u00a0\u00bbsquare\u00a0\u00bb color=\u00a0\u00bbblue\u00a0\u00bb spacing=\u00a0\u00bb20&Prime; gap=\u00a0\u00bb20&Prime; c_icon=\u00a0\u00bbchevron\u00a0\u00bb c_position=\u00a0\u00bbright\u00a0\u00bb active_section=\u00a0\u00bb1&Prime; collapsible_all=\u00a0\u00bbtrue\u00a0\u00bb][vc_tta_section tab_id=\u00a0\u00bbREER\u00a0\u00bb title=\u00a0\u00bbR\u00e9gime enregistr\u00e9 d\u2019\u00e9pargne retraite (REER)\u00a0\u00bb][vc_column_text]Un r\u00e9gime enregistr\u00e9 d&rsquo;\u00e9pargne-retraite (<strong>REER<\/strong>) est un instrument de placement \u00e0 l&rsquo;abri de l&rsquo;imp\u00f4t qui constitue une m\u00e9thode efficace pour \u00e9pargner en vue de la retraite. Les cotisations aux <strong>REER<\/strong> donnent lieu \u00e0 une d\u00e9duction fiscale, et le revenu gagn\u00e9 dans le r\u00e9gime est capitalis\u00e9 avec report d&rsquo;imp\u00f4t.<\/p>\n<p>Lien Agence du Revenu du Canada\u00a0: <a href=\"http:\/\/www.cra-arc.gc.ca\/tx\/ndvdls\/tpcs\/rrsp-reer\/rrsps-fra.html\">http:\/\/www.cra-arc.gc.ca\/tx\/ndvdls\/tpcs\/rrsp-reer\/rrsps-fra.html<\/a><\/p>\n\n<table id=\"tablepress-2\" class=\"tablepress tablepress-id-2\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\">Objectif<\/th><th class=\"column-2\">REER<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\">Objectif principal<\/td><td class=\"column-2\">Vise principalement \u00e0 combler vos besoins \u00e0 la retraite.<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\">Traitement fiscal<\/td><td class=\"column-2\">Les r\u00e9gimes, REER et CELI, offrent des avantages fiscaux, mais pr\u00e9sentent quelques nuances.<br \/>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-2 from cache -->\n\n<table id=\"tablepress-3\" class=\"tablepress tablepress-id-3\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\">Admissibilit\u00e9<\/th><th class=\"column-2\">REER<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\">\u00c2ge minimum d'admissibilit\u00e9<\/td><td class=\"column-2\">Aucun<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\">\u00c2ge limite pour cotiser<br \/>\n<\/td><td class=\"column-2\">71 ans<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\">\u00c9ch\u00e9ance du r\u00e9gime<\/td><td class=\"column-2\">Le 31 d\u00e9cembre de l'ann\u00e9e du 71e anniversaire du participant<br \/>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-3 from cache -->\n\n<table id=\"tablepress-4\" class=\"tablepress tablepress-id-4\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\">Droits de cotisation<\/th><th class=\"column-2\">REER<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\">Droits de cotisation annuels<\/td><td class=\"column-2\"><a href=\"http:\/\/www.cra-arc.gc.ca\/tx\/rgstrd\/papspapar-fefespfer\/lmts-fra.html\">http:\/\/www.cra-arc.gc.ca<\/a><\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\">Limite en % du revenu gagn\u00e9<br \/>\n<\/td><td class=\"column-2\">18 % en respectant la limite de cotisation annuelle.<br \/>\n<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\">Cotisation exc\u00e9dentaire<\/td><td class=\"column-2\">P\u00e9nalit\u00e9 de 1 % par mois (un exc\u00e9dent de 2 000 $ est permis sans p\u00e9nalit\u00e9).<br \/>\n<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\">Report des droits de cotisation inutilis\u00e9s<\/td><td class=\"column-2\">Accumulation annuelle.<\/td>\n<\/tr>\n<tr class=\"row-6\">\n\t<td class=\"column-1\">R\u00e9utilisation des droits si retrait<\/td><td class=\"column-2\"><i class=\"fa fa-times\" aria-hidden=\"true\"><\/i><\/td>\n<\/tr>\n<tr class=\"row-7\">\n\t<td class=\"column-1\">Indexation de la limite du droit de cotisation<\/td><td class=\"column-2\">Selon la croissance du salaire industriel moyen (SIM).<\/td>\n<\/tr>\n<tr class=\"row-8\">\n\t<td class=\"column-1\">Cotisation au compte du conjoint<br \/>\n<\/td><td class=\"column-2\"><i class=\"fa fa-check\" aria-hidden=\"true\"><\/i><\/td>\n<\/tr>\n<tr class=\"row-9\">\n\t<td class=\"column-1\">Transfert en cas<br \/>\nde rupture\/d\u00e9c\u00e8s (conjoint) <br \/>\n<br \/>\n<\/td><td class=\"column-2\"><i class=\"fa fa-check\" aria-hidden=\"true\"><\/i><br \/>\nSans impact sur les droits de cotisation.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-4 from cache -->\n<p>\n<table id=\"tablepress-5\" class=\"tablepress tablepress-id-5\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\">R\u00e8gles fiscales<\/th><th class=\"column-2\">REER<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\">D\u00e9duction de la cotisation<\/td><td class=\"column-2\"><i class=\"fa fa-check\" aria-hidden=\"true\"><\/i><\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\">Imposition des revenus<\/td><td class=\"column-2\"><i class=\"fa fa-times\" aria-hidden=\"true\"><\/i><\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\">Imposition des retraits<\/td><td class=\"column-2\"><i class=\"fa fa-check\" aria-hidden=\"true\"><\/i><br \/>\nVous pouvez retirer de l'argent de votre REER en tout temps et \u00e0 n'importe quelle fin, mais les retraits sont imposables.<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\">Retrait minimum<br \/>\n<\/td><td class=\"column-2\"><i class=\"fa fa-check\" aria-hidden=\"true\"><\/i><br \/>\nUne fois que votre REER s'est transform\u00e9 en Fonds enregistr\u00e9 de revenu de retraite (FERR).<\/td>\n<\/tr>\n<tr class=\"row-6\">\n\t<td class=\"column-1\">Impacts sur la r\u00e9cup\u00e9ration des prestations des programmes sociaux de la retraite et des cr\u00e9dits d'imp\u00f4t fond\u00e9s sur le revenu <br \/>\n(Pension S\u00e9curit\u00e9 Vieillesse (PSV), Suppl\u00e9ment de revenu garanti (SRG))<br \/>\n<\/td><td class=\"column-2\"><i class=\"fa fa-check\" aria-hidden=\"true\"><\/i><br \/>\nPeut venir r\u00e9duire les prestations et les cr\u00e9dits d'imp\u00f4t.<\/td>\n<\/tr>\n<tr class=\"row-7\">\n\t<td class=\"column-1\">Impact fiscal au d\u00e9c\u00e8s<\/td><td class=\"column-2\"><i class=\"fa fa-times\" aria-hidden=\"true\"><\/i><br \/>\nSi le REER est transf\u00e9r\u00e9 au conjoint.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-5 from cache -->[\/vc_column_text][\/vc_tta_section][vc_tta_section title=\u00a0\u00bbCompte d\u2019\u00e9pargne libre d\u2019imp\u00f4t (CELI)\u00a0\u00bb tab_id=\u00a0\u00bbCELI\u00a0\u00bb][vc_column_text]Le gouvernement f\u00e9d\u00e9ral a instaur\u00e9 le CELI en 2009. Ce v\u00e9hicule de placement permet au r\u00e9sident canadien \u00e2g\u00e9 de 18 ans ou plus de faire fructifier leur \u00e9pargne \u00e0 l\u2019abri de l\u2019imp\u00f4t et ce pour toute leur vie.<\/p>\n<p>Lien Agence du Revenu du Canada\u00a0: <a href=\"http:\/\/www.cra-arc.gc.ca\/tx\/rgstrd\/tfsa-celi\/bt-fra.html\">http:\/\/www.cra-arc.gc.ca\/tx\/rgstrd\/tfsa-celi\/bt-fra.html<\/a><\/p>\n<h3><\/h3>\n\n<table id=\"tablepress-6\" class=\"tablepress tablepress-id-6\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\">Objectif<\/th><th class=\"column-2\">CELI<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\">Objectif principal<\/td><td class=\"column-2\">R\u00e9pond aux besoins d'\u00e9pargne pendant toute la vie, et non seulement pour la retraite.<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\">Traitement fiscal<\/td><td class=\"column-2\">Les r\u00e9gimes, REER et CELI, offrent des avantages fiscaux, mais pr\u00e9sentent quelques nuances.<br \/>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-6 from cache -->\n\n<table id=\"tablepress-7\" class=\"tablepress tablepress-id-7\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\">Admissibilit\u00e9<\/th><th class=\"column-2\">CELI<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\">\u00c2ge minimum d'admissibilit\u00e9<\/td><td class=\"column-2\">18 ans<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\">\u00c2ge limite pour cotiser<br \/>\n<\/td><td class=\"column-2\">Aucun<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\">\u00c9ch\u00e9ance du r\u00e9gime<\/td><td class=\"column-2\">Aucune<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-7 from cache -->\n\n<table id=\"tablepress-8\" class=\"tablepress tablepress-id-8\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\">Droits de cotisation<\/th><th class=\"column-2\">CELI<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\">Droits de cotisation annuels<\/td><td class=\"column-2\">5 000 $ (ann\u00e9es 2009 \u00e0 2012)<br \/>\n5 500 $ (ann\u00e9e 2013 \u2013 2014)<br \/>\n10 000 $ (ann\u00e9e 2015)<br \/>\n5 500 $ (2016)<br \/>\n5 500 $ (2017)<br \/>\n<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\">Limite en % du revenu gagn\u00e9<br \/>\n<\/td><td class=\"column-2\">Aucune. Permet d'\u00e9pargner<br \/>\n\u00e0 l'abri de l'imp\u00f4t sans \u00e9gard<br \/>\n\u00e0 votre revenu annuel,<br \/>\nen respectant la limite de cotisation annuelle.<br \/>\n<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\">Cotisation exc\u00e9dentaire<\/td><td class=\"column-2\">P\u00e9nalit\u00e9 de 1 % par mois.<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\">Report des droits de cotisation inutilis\u00e9s<\/td><td class=\"column-2\"><i class=\"fa fa-check\" aria-hidden=\"true\"><\/i><br \/>\nAccumulation annuelle.<\/td>\n<\/tr>\n<tr class=\"row-6\">\n\t<td class=\"column-1\">R\u00e9utilisation des droits si retrait<\/td><td class=\"column-2\"><i class=\"fa fa-check\" aria-hidden=\"true\"><\/i><br \/>\n\u00c0 compter de l'ann\u00e9e suivante<\/td>\n<\/tr>\n<tr class=\"row-7\">\n\t<td class=\"column-1\">Indexation de la limite du droit de cotisation<\/td><td class=\"column-2\">Selon l'indice du prix \u00e0 la consommation (IPC), arrondi au 500 $ pr\u00e8s.<\/td>\n<\/tr>\n<tr class=\"row-8\">\n\t<td class=\"column-1\">Cotisation au compte du conjoint<br \/>\n<\/td><td class=\"column-2\">Non, mais l'un des conjoints peut donner \u00e0 l'autre les fonds n\u00e9cessaires pour sa cotisation, sans \u00eatre assujetti aux r\u00e8gles d'attribution du revenu.<br \/>\n<\/td>\n<\/tr>\n<tr class=\"row-9\">\n\t<td class=\"column-1\">Transfert en cas<br \/>\nde rupture\/d\u00e9c\u00e8s (conjoint) <br \/>\n<\/td><td class=\"column-2\"><i class=\"fa fa-check\" aria-hidden=\"true\"><\/i><br \/>\nSans impact sur les droits de cotisation.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-8 from cache -->\n<p>\n<table id=\"tablepress-9\" class=\"tablepress tablepress-id-9\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\">R\u00e8gles fiscales<\/th><th class=\"column-2\">CELI<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\">D\u00e9duction de la cotisation<\/td><td class=\"column-2\"><i class=\"fa fa-times\" aria-hidden=\"true\"><\/i> Une cotisation au CELI ne peut pas \u00eatre d\u00e9duite du revenu.<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\">Imposition des revenus<\/td><td class=\"column-2\"><i class=\"fa fa-times\" aria-hidden=\"true\"><\/i><\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\">Imposition des retraits<\/td><td class=\"column-2\"><i class=\"fa fa-times\" aria-hidden=\"true\"><\/i> Vous pouvez retirer de l'argent de votre CELI en tout temps et \u00e0 n'importe quelle fin sans que les retraits ne soient imposables.<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\">Retrait minimum<br \/>\n<\/td><td class=\"column-2\"><i class=\"fa fa-times\" aria-hidden=\"true\"><\/i><\/td>\n<\/tr>\n<tr class=\"row-6\">\n\t<td class=\"column-1\">Impacts sur la r\u00e9cup\u00e9ration des prestations des programmes sociaux de la retraite et des cr\u00e9dits d'imp\u00f4t fond\u00e9s sur le revenu <br \/>\n(Pension S\u00e9curit\u00e9 Vieillesse (PSV), Suppl\u00e9ment de revenu garanti (SRG))<br \/>\n<\/td><td class=\"column-2\"><i class=\"fa fa-times\" aria-hidden=\"true\"><\/i> Ne r\u00e9duit ni les prestations, ni les cr\u00e9dits d\u2019imp\u00f4t.<\/td>\n<\/tr>\n<tr class=\"row-7\">\n\t<td class=\"column-1\">Impact fiscal au d\u00e9c\u00e8s<\/td><td class=\"column-2\"><i class=\"fa fa-times\" aria-hidden=\"true\"><\/i> Si le CELI est transf\u00e9r\u00e9 au conjoint.<br \/>\n<br \/>\n- La valeur du CELI n'est jamais imposable;<br \/>\n- S'il est l\u00e9gu\u00e9 \u00e0 une personne autre que le conjoint, le CELI prendra fin et les placements deviendront des actifs non enregistr\u00e9s;<br \/>\n- Les revenus g\u00e9n\u00e9r\u00e9s par ces placements deviendront imposables.<br \/>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-9 from cache -->[\/vc_column_text][\/vc_tta_section][vc_tta_section title=\u00a0\u00bbSituation R\u00e9gime enregistr\u00e9 d\u2019\u00e9pargne \u00e9tudes (REEE)\u00a0\u00bb tab_id=\u00a0\u00bbREEE\u00a0\u00bb][vc_column_text]Que vous soyez un parent, un grand parent, une personne proche, vous avez \u00e0 c\u0153ur de voir les jeunes de votre entourage r\u00e9ussir leur vie. Et quoi de mieux que de leur offrir la possibilit\u00e9 d\u2019un avenir plus brillant en permettant de faire des \u00e9tudes avanc\u00e9s ?<\/p>\n<p>En plus de faire cro\u00eetre votre \u00e9pargne \u00e0 l\u2019abri de l\u2019imp\u00f4t, le REEE vous permet de b\u00e9n\u00e9ficier d\u2019importantes subventions f\u00e9d\u00e9rales et provinciales. Lesquelles pourront \u00eatre retir\u00e9es au moment o\u00f9 l\u2019enfant poursuivra ses \u00e9tudes postsecondaires.<\/p>\n<p>Lien Agence du Revenu du Canada\u00a0: <a href=\"http:\/\/www.cra-arc.gc.ca\/tx\/ndvdls\/tpcs\/resp-reee\/menu-fra.html\">http:\/\/www.cra-arc.gc.ca\/tx\/ndvdls\/tpcs\/resp-reee\/menu-fra.html<\/a>[\/vc_column_text][vc_round_chart stroke_width=\u00a0\u00bb2&Prime; values=\u00a0\u00bb%5B%7B%22title%22%3A%22Subventions%20(min.%2030%25)%22%2C%22value%22%3A%2233%22%2C%22color%22%3A%22orange%22%7D%2C%7B%22title%22%3A%22Int%C3%A9r%C3%AAts%20(%25)%22%2C%22value%22%3A%2233%22%2C%22color%22%3A%22green%22%2C%22custom_color%22%3A%22%236ab165%22%7D%2C%7B%22title%22%3A%22Capital%22%2C%22value%22%3A%2233%22%2C%22color%22%3A%22blue%22%7D%5D\u00a0\u00bb][\/vc_tta_section][vc_tta_section title=\u00a0\u00bbR\u00e9gime enregistr\u00e9 d\u2019\u00e9pargne invalidit\u00e9 (REEI)\u00a0\u00bb tab_id=\u00a0\u00bbREEI\u00a0\u00bb][vc_column_text]Un r\u00e9gime enregistr\u00e9 d&rsquo;\u00e9pargne-invalidit\u00e9 (REEI) est un r\u00e9gime d&rsquo;\u00e9pargne visant \u00e0 aider les parents et d&rsquo;autres personnes \u00e0\u00a0\u00e9pargner pour la s\u00e9curit\u00e9 financi\u00e8re \u00e0 long terme d&rsquo;une personne\u00a0admissible au cr\u00e9dit d&rsquo;imp\u00f4t pour personnes handicap\u00e9es (CIPH).<\/p>\n<p>Gr\u00e2ce aux subventions f\u00e9d\u00e9rales pouvant atteindre 300% et au bon canadien pour l\u2019\u00e9pargne invalidit\u00e9, le REEI est \u00abl&rsquo;outil le plus efficace \u00e0 long terme pour procurer une s\u00e9curit\u00e9 \u00e0 une personne handicap\u00e9e\u00bb<\/p>\n<p>Lien Agence du Revenu du Canada\u00a0: <a href=\"http:\/\/www.cra-arc.gc.ca\/tx\/ndvdls\/tpcs\/rdsp-reei\/menu-fra.html\">http:\/\/www.cra-arc.gc.ca\/tx\/ndvdls\/tpcs\/rdsp-reei\/menu-fra.html<\/a>[\/vc_column_text][\/vc_tta_section][vc_tta_section title=\u00a0\u00bbCompte de retraite immobilis\u00e9 (CRI) et R\u00e9gime enregistr\u00e9 d\u2019\u00e9pargne retraite immobilis\u00e9 (REER immobilis\u00e9)\u00a0\u00bb tab_id=\u00a0\u00bbCRI\u00a0\u00bb][vc_column_text]Lorsqu\u2019une personne quitte son emploi et que ce dernier se voit offrir la possibilit\u00e9 de transf\u00e9rer son r\u00e9gime de retraite auquel l\u2019employeur participait, il devra proc\u00e9der au transfert dans un CRI ou un REER immobilis\u00e9 selon la l\u00e9gislation.<\/p>\n<p>\u00c0 la diff\u00e9rence d&rsquo;un REER, l&rsquo;argent contenu dans un CRI est immobilis\u00e9, car il doit servir \u00e0 procurer un revenu \u00e0 la retraite. Cet argent ne peut donc pas \u00eatre retir\u00e9, sauf dans certaines circonstances o\u00f9 un remboursement est permis.[\/vc_column_text][\/vc_tta_section][vc_tta_section title=\u00a0\u00bbFonds enregistr\u00e9 de revenu de retraite (FERR) et Fonds de revenu viager (FRV)\u00a0\u00bb tab_id=\u00a0\u00bbFERR\u00a0\u00bb][vc_column_text]Le Fonds enregistr\u00e9 de revenu de retraite (FERR) est le prolongement de votre REER une fois \u00e0 la retraite. Il vous permet de retirer un revenu de retraite, de choisir la fr\u00e9quence de vos versements et le montant que vous d\u00e9sirez sous r\u00e9serve du retrait minimum exig\u00e9 par les lois fiscales.<\/p>\n<p>Le fonds de revenu viager (FRV) est l\u2019instrument utilis\u00e9 d\u00e9caisser les montants accumul\u00e9s de votre CRI une fois \u00e0 la retraite.\u00c0 la diff\u00e9rence du FERR, dans lequel il n&rsquo;existe aucun plafond, le FRV ne permet pas de retirer plus que le maximum autoris\u00e9 chaque ann\u00e9e.<\/p>\n<p>Lien Agence du Revenu du Canada\u00a0: http:\/\/www.cra-arc.gc.ca\/tx\/ndvdls\/tpcs\/rrif-ferr\/menu-fra.html[\/vc_column_text][\/vc_tta_section][\/vc_tta_accordion][\/vc_column][vc_column width=\u00a0\u00bb1\/6&Prime;][\/vc_column][\/vc_row][vc_row full_width=\u00a0\u00bbstretch_row_content_no_spaces\u00a0\u00bb equal_height=\u00a0\u00bbyes\u00a0\u00bb content_placement=\u00a0\u00bbmiddle\u00a0\u00bb css=\u00a0\u00bb.vc_custom_1496339381106{margin-top: 80px !important;background-image: url(http:\/\/gestionlalonde.com\/wp-content\/uploads\/2017\/05\/bg__row_1.jpg?id=43) !important;}\u00a0\u00bb][vc_column width=\u00a0\u00bb1\/2&Prime; css=\u00a0\u00bb.vc_custom_1496339489224{padding-right: 20% !important;padding-left: 20% !important;}\u00a0\u00bb][vc_column_text]<\/p>\n<h3><span style=\"color: #ffffff;\">R\u00c9GIME ENREGISTR\u00c9 D\u2019\u00c9PARGNE \u00c9TUDES<\/span><\/h3>\n<p><span style=\"color: #ffffff; font-size: 1.5em;\">En plus de faire cro\u00eetre votre \u00e9pargne \u00e0 l\u2019abri de l\u2019imp\u00f4t, le <strong>REEE<\/strong> vous permet de b\u00e9n\u00e9ficier d\u2019importantes subventions f\u00e9d\u00e9rales et provinciales. Lesquelles pourront \u00eatre retir\u00e9es au moment o\u00f9 l\u2019enfant poursuivra ses \u00e9tudes postsecondaires.<\/span>[\/vc_column_text][\/vc_column][vc_column width=\u00a0\u00bb1\/2&Prime; css=\u00a0\u00bb.vc_custom_1496339324174{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\u00a0\u00bb][vc_single_image image=\u00a0\u00bb384&Prime; img_size=\u00a0\u00bblarge\u00a0\u00bb alignment=\u00a0\u00bbcenter\u00a0\u00bb css=\u00a0\u00bb.vc_custom_1504879522621{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\u00a0\u00bb][\/vc_column][\/vc_row][vc_row][vc_column width=\u00a0\u00bb1\/6&Prime;][\/vc_column][vc_column width=\u00a0\u00bb2\/6&Prime;][vc_single_image image=\u00a0\u00bb1187&Prime; img_size=\u00a0\u00bbfull\u00a0\u00bb alignment=\u00a0\u00bbcenter\u00a0\u00bb css=\u00a0\u00bb\u00a0\u00bb][\/vc_column][vc_column width=\u00a0\u00bb2\/6&Prime;][vc_btn title=\u00a0\u00bbVOTRE RELEV\u00c9 INVESTIA ICI\u00a0\u00bb style=\u00a0\u00bboutline\u00a0\u00bb shape=\u00a0\u00bbsquare\u00a0\u00bb color=\u00a0\u00bbblue\u00a0\u00bb align=\u00a0\u00bbcenter\u00a0\u00bb css_animation=\u00a0\u00bbbounceIn\u00a0\u00bb css=\u00a0\u00bb.vc_custom_1765138784222{margin-top: 20px !important;}\u00a0\u00bb link=\u00a0\u00bburl:https%3A%2F%2Finvestia.ca%2F|target:_blank\u00a0\u00bb][\/vc_column][vc_column width=\u00a0\u00bb1\/6&Prime;][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row full_width=\u00a0\u00bbstretch_row\u00a0\u00bb css=\u00a0\u00bb.vc_custom_1498590303983{padding-top: 140px !important;padding-bottom: 140px !important;background-image: url(http:\/\/gestionlalonde.com\/wp-content\/uploads\/2017\/06\/header-4.jpg?id=341) !important;}\u00a0\u00bb][vc_column][\/vc_column][\/vc_row][vc_row full_width=\u00a0\u00bbstretch_row_content\u00a0\u00bb css=\u00a0\u00bb.vc_custom_1496331342398{background-color: #f4f4f4 !important;}\u00a0\u00bb][vc_column width=\u00a0\u00bb1\/4&Prime;][\/vc_column][vc_column width=\u00a0\u00bb1\/2&Prime;][vc_column_text] V\u00c9HICULES DE PLACEMENTS [\/vc_column_text][vc_column_text] REER \u2013 R\u00e9gime enregistr\u00e9 d\u2019\u00e9pargne retraite CELI \u2013 Compte d\u2019\u00e9pargne libre d\u2019imp\u00f4t REEE \u2013 R\u00e9gime enregistr\u00e9 d\u2019\u00e9pargne \u00e9tudes REEI \u2013 R\u00e9gime enregistr\u00e9 d\u2019\u00e9pargne invalidit\u00e9 CRI REER -Compte de retraite immobilis\u00e9 (CRI) et R\u00e9gime enregistr\u00e9 d\u2019\u00e9pargne retraite &hellip; <a href=\"https:\/\/gestionlalonde.com\/accueil\/vehicules-de-placements\/\" title=\"V\u00e9hicules de placements\" class=\"read-more\">Read More<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-196","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>V\u00e9hicules de placements - Gestion Lalonde<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/gestionlalonde.com\/accueil\/vehicules-de-placements\/\" \/>\n<meta property=\"og:locale\" content=\"fr_CA\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"V\u00e9hicules de placements - Gestion Lalonde\" \/>\n<meta property=\"og:description\" content=\"[vc_row full_width=\u00a0\u00bbstretch_row\u00a0\u00bb css=\u00a0\u00bb.vc_custom_1498590303983{padding-top: 140px !important;padding-bottom: 140px !important;background-image: url(http:\/\/gestionlalonde.com\/wp-content\/uploads\/2017\/06\/header-4.jpg?id=341) !important;}\u00a0\u00bb][vc_column][\/vc_column][\/vc_row][vc_row full_width=\u00a0\u00bbstretch_row_content\u00a0\u00bb css=\u00a0\u00bb.vc_custom_1496331342398{background-color: #f4f4f4 !important;}\u00a0\u00bb][vc_column width=\u00a0\u00bb1\/4&Prime;][\/vc_column][vc_column width=\u00a0\u00bb1\/2&Prime;][vc_column_text] V\u00c9HICULES DE PLACEMENTS [\/vc_column_text][vc_column_text] REER \u2013 R\u00e9gime enregistr\u00e9 d\u2019\u00e9pargne retraite CELI \u2013 Compte d\u2019\u00e9pargne libre d\u2019imp\u00f4t REEE \u2013 R\u00e9gime enregistr\u00e9 d\u2019\u00e9pargne \u00e9tudes REEI \u2013 R\u00e9gime enregistr\u00e9 d\u2019\u00e9pargne invalidit\u00e9 CRI REER -Compte de retraite immobilis\u00e9 (CRI) et R\u00e9gime enregistr\u00e9 d\u2019\u00e9pargne retraite [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/gestionlalonde.com\/accueil\/vehicules-de-placements\/\" \/>\n<meta property=\"og:site_name\" content=\"Gestion Lalonde\" \/>\n<meta property=\"article:modified_time\" content=\"2025-12-07T20:19:50+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Estimation du temps de lecture\" \/>\n\t<meta name=\"twitter:data1\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/gestionlalonde.com\\\/accueil\\\/vehicules-de-placements\\\/\",\"url\":\"https:\\\/\\\/gestionlalonde.com\\\/accueil\\\/vehicules-de-placements\\\/\",\"name\":\"V\u00e9hicules de placements - 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