{"id":1106,"date":"2019-03-12T15:18:17","date_gmt":"2019-03-12T19:18:17","guid":{"rendered":"http:\/\/caissealliance.absoludev.ca\/non-classifiee\/maximiser-vos-cotisations-reer\/"},"modified":"2024-01-23T12:34:49","modified_gmt":"2024-01-23T17:34:49","slug":"maximiser-vos-cotisations-reer","status":"publish","type":"post","link":"https:\/\/www.caissealliance.com\/fr\/particulier\/reer\/maximiser-vos-cotisations-reer\/","title":{"rendered":"Maximiser vos cotisations REER"},"content":{"rendered":"<h2><strong>Cotiser t\u00f4t dans la vie<\/strong><\/h2>\n<p>Le principe du REER fait jouer le temps en votre faveur. Plus l\u2019argent reste longtemps prot\u00e9g\u00e9 du fisc, plus le capital de retraite devient int\u00e9ressant.<\/p>\n<h2><strong>Cotiser t\u00f4t dans l\u2019ann\u00e9e<br \/>\n<\/strong><\/h2>\n<p>Si vous avez des revenus r\u00e9guliers, cotiser \u00e0 votre REER par versements p\u00e9riodiques est LA formule la plus efficace et la plus souple pour b\u00e2tir votre portefeuille. Votre investissement commence \u00e0 rapporter d\u00e8s la premi\u00e8re journ\u00e9e, de sorte que le rendement s\u2019accumule plus rapidement que si vous cotisez une seule fois en fin d\u2019ann\u00e9e.<\/p>\n<h2><strong>Cotiser le maximum<\/strong><\/h2>\n<p>La loi vous autorise, pour une ann\u00e9e d\u2019imposition, \u00e0 cotiser g\u00e9n\u00e9ralement 18 % du revenu que vous avez gagn\u00e9 l\u2019ann\u00e9e pr\u00e9c\u00e9dente. Efforcez-vous, dans la mesure du possible, de toujours cotiser le maximum.<\/p>\n<h2><strong>Cotiser r\u00e9guli\u00e8rement<\/strong><\/h2>\n<p>En ne cotisant pas \u00e0 votre REER, ne serait-ce qu\u2019une seule ann\u00e9e, vous pourriez vous priver de sommes importantes \u00e0 la retraite. En voici un exemple :<\/p>\n<p>Une cotisation de 4 000 $ par ann\u00e9e pendant 30 ans :\u00a0 367 957 $<\/p>\n<p>Le m\u00eame placement avec une omission la deuxi\u00e8me ann\u00e9e :\u00a0 343 363 $<\/p>\n<p><strong>Diff\u00e9rence :\u00a0\u00a0<\/strong>24 594 $*<\/p>\n<p>* Exemple de calcul bas\u00e9 sur un taux de 6,5 % compos\u00e9 annuellement et sur un portefeuille diversifi\u00e9.<\/p>\n<h3>Le saviez-vous ?<\/h3>\n<p>Pour maintenir un niveau de vie confortable \u00e0 la retraite, il peut \u00eatre avantageux d\u2019emprunter pour cotiser \u00e0 votre REER.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Le principe du REER fait jouer le temps en votre faveur. Plus l\u2019argent reste longtemps prot\u00e9g\u00e9 du fisc, plus le capital de retraite devient int\u00e9ressant. Cotiser t\u00f4t dans l\u2019ann\u00e9e Si vous avez des revenus r\u00e9guliers, cotiser \u00e0 votre REER par versements p\u00e9riodiques est LA formule la plus efficace et la plus souple pour b\u00e2tir votre [&#8230;]<\/p>\n","protected":false},"author":1,"featured_media":4310,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[53],"tags":[],"class_list":["post-1106","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-reer"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Maximiser vos cotisations REER | Caisse Alliance<\/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:\/\/www.caissealliance.com\/fr\/particulier\/reer\/maximiser-vos-cotisations-reer\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Maximiser vos cotisations REER | Caisse Alliance\" \/>\n<meta property=\"og:description\" content=\"Le principe du REER fait jouer le temps en votre faveur. Plus l\u2019argent reste longtemps prot\u00e9g\u00e9 du fisc, plus le capital de retraite devient int\u00e9ressant. 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