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[av_heading heading=’Services financiers’ tag=’h3′ style=’blockquote modern-quote modern-centered’ size=’40’ subheading_active= » subheading_size=’15’ margin= » margin_sync=’true’ padding=’0′ color=’custom-color-heading’ custom_font=’#ffffff’ av-medium-font-size-title= » av-small-font-size-title= » av-mini-font-size-title= » av-medium-font-size= » av-small-font-size= » av-mini-font-size= » av_uid=’av-jin71x2q’ admin_preview_bg= »][/av_heading]
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[av_heading tag=’h3′ padding=’0′ heading=’Placements’ color= » style=’blockquote modern-quote’ custom_font= » size= » subheading_active= » subheading_size=’15’ custom_class= » admin_preview_bg= » av-desktop-hide= » av-medium-hide= » av-small-hide= » av-mini-hide= » av-medium-font-size-title= » av-small-font-size-title= » av-mini-font-size-title= » av-medium-font-size= » av-small-font-size= » av-mini-font-size= » margin= » av_uid=’av-960l0′][/av_heading]
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[av_heading tag=’h3′ padding=’0′ heading=’Régime enregistré d’épargne-retraite (REER)’ color= » style=’blockquote modern-quote’ custom_font= » size= » subheading_active= » subheading_size=’15’ custom_class= » admin_preview_bg= » av-desktop-hide= » av-medium-hide= » av-small-hide= » av-mini-hide= » av-medium-font-size-title= » av-small-font-size-title= » av-mini-font-size-title= » av-medium-font-size= » av-small-font-size= » av-mini-font-size= » margin= »][/av_heading]
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Un REER est un régime d’épargne-retraite que vous avez établi et qui est enregistré au gouvernement, auquel vous ou votre époux/épouse ou conjoint(e) de fait cotisez. Les cotisations à un REER peuvent être utilisées pour réduire votre impôt.
Tout revenu accumulé à l’intérieur du régime est habituellement exempt d’impôt pendant la période où les fonds demeurent dans le régime. Toutefois, vous devez généralement payer de l’impôt lorsque vous ferez des décaissements ou que vous convertirez votre REER en FEER. Cette période maximale de conversion est établie au 31 décembre de votre 71e année de naissance.
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[av_heading tag=’h3′ padding=’0′ heading=’Fond enregistré de revenu de retraite (FEER)’ color= » style=’blockquote modern-quote’ custom_font= » size= » subheading_active= » subheading_size=’15’ custom_class= » admin_preview_bg= » av-desktop-hide= » av-medium-hide= » av-small-hide= » av-mini-hide= » av-medium-font-size-title= » av-small-font-size-title= » av-mini-font-size-title= » av-medium-font-size= » av-small-font-size= » av-mini-font-size= » margin= » av_uid=’av-ghywc’][/av_heading]
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[av_heading tag=’h3′ padding=’0′ heading=’Compte d‘épargne libre d’impôt (CELI)’ color= » style=’blockquote modern-quote’ custom_font= » size= » subheading_active= » subheading_size=’15’ custom_class= » admin_preview_bg= » av-desktop-hide= » av-medium-hide= » av-small-hide= » av-mini-hide= » av-medium-font-size-title= » av-small-font-size-title= » av-mini-font-size-title= » av-medium-font-size= » av-small-font-size= » av-mini-font-size= » margin= »][/av_heading]
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Le programme du CELI existe depuis 2009. L’abréviation du CELI est en fait Compte d’Épargne Libre d’Impôt. C’est ainsi un moyen pour vous, qui êtes âgés de 18 ans ou plus, de mettre de l’argent de côté à l’abri de l’impôt pendant toute votre vie. Les gains ainsi procurés à même ce régime sont ainsi non-imposables. Les frais administratifs et autres frais liés à un CELI et les intérêts payés sur l’argent emprunté ou cotisé à un CELI ne sont pas déductibles d’impôt.
Contrairement au REER, retirer des sommes du CELI est non-imposable, peu importe le moment. Le montant maximal de contribution annuel est de 5000$, mais vous pouvez récupérer les maximums alloués non cotisés, des années antérieures
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[av_heading tag=’h3′ padding=’0′ heading=’Contrat de placements garantis (CPG)’ color= » style=’blockquote modern-quote’ custom_font= » size= » subheading_active= » subheading_size=’15’ custom_class= » admin_preview_bg= » av-desktop-hide= » av-medium-hide= » av-small-hide= » av-mini-hide= » av-medium-font-size-title= » av-small-font-size-title= » av-mini-font-size-title= » av-medium-font-size= » av-small-font-size= » av-mini-font-size= » margin= »][/av_heading]
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Les Certificats de Placements Garantis sont des placements que vous pouvez faire, à un rendement déjà établi et qui est garanti, pour une période déterminée, pouvant varier de 1 an à 10 ans.
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