{"id":1114,"date":"2019-03-12T15:18:38","date_gmt":"2019-03-12T19:18:38","guid":{"rendered":"http:\/\/caissealliance.absoludev.ca\/non-classifiee\/la-cotisation-excedentaire-cest-profitable\/"},"modified":"2019-05-14T13:30:49","modified_gmt":"2019-05-14T17:30:49","slug":"la-cotisation-excedentaire-cest-profitable","status":"publish","type":"post","link":"https:\/\/www.caissealliance.com\/fr\/particulier\/reer\/la-cotisation-excedentaire-cest-profitable\/","title":{"rendered":"La cotisation exc\u00e9dentaire, c\u2019est profitable"},"content":{"rendered":"

Lorsque vous avez utilis\u00e9 tous vos droits REER, il vous est permis d\u2019y cotiser un montant suppl\u00e9mentaire de 2 000 $ sans p\u00e9nalit\u00e9 fiscale, \u00e0 condition de pouvoir le d\u00e9duire dans le futur. Bien qu\u2019une telle cotisation ne soit pas d\u00e9ductible du revenu imposable imm\u00e9diatement, elle a l\u2019avantage de fructifier \u00e0 l\u2019abri de l\u2019imp\u00f4t. Voyez ci-dessous comment 2 000 $ de plus dans votre portefeuille de retraite s\u2019appr\u00e9cient avec le temps.<\/p>\n

Valeur d\u2019une cotisation REER exc\u00e9dentaire de 2 000 $*<\/strong><\/h2>\n\n\n\n\n\n\n
D\u00e9lai \u00e9coul\u00e9<\/strong><\/td>\n\n

Valeur accumul\u00e9e<\/strong><\/p>\n<\/td>\n<\/tr>\n

Apr\u00e8s 10 ans<\/td>\n\n

3 754 $<\/p>\n<\/td>\n<\/tr>\n

Apr\u00e8s 20 ans<\/td>\n\n

7 047 $<\/p>\n<\/td>\n<\/tr>\n

Apr\u00e8s 30 ans<\/td>\n\n

13 229 $<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Si votre conjoint utilise la m\u00eame strat\u00e9gie, vous obtiendrez, apr\u00e8s 30 ans, jusqu\u2019\u00e0 26 458 $ de plus pour profiter pleinement de la retraite!<\/p>\n

* Exemple de calcul bas\u00e9 sur un taux de 6,5 % compos\u00e9 annuellement et sur un portefeuille diversifi\u00e9<\/p>\n","protected":false},"excerpt":{"rendered":"

Lorsque vous avez utilis\u00e9 tous vos droits REER, il vous est permis d\u2019y cotiser un montant suppl\u00e9mentaire de 2 000 $ sans p\u00e9nalit\u00e9 fiscale, \u00e0 condition de pouvoir le d\u00e9duire dans le futur. Bien qu\u2019une telle cotisation ne soit pas d\u00e9ductible du revenu imposable imm\u00e9diatement, elle a l\u2019avantage de fructifier \u00e0 l\u2019abri de l\u2019imp\u00f4t. Voyez […]<\/p>\n","protected":false},"author":1,"featured_media":0,"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-1114","post","type-post","status-publish","format-standard","hentry","category-reer"],"acf":[],"yoast_head":"\nLa cotisation exc\u00e9dentaire, c\u2019est profitable | 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\/la-cotisation-excedentaire-cest-profitable\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"La cotisation exc\u00e9dentaire, c\u2019est profitable | Caisse Alliance\" \/>\n<meta property=\"og:description\" content=\"Lorsque vous avez utilis\u00e9 tous vos droits REER, il vous est permis d\u2019y cotiser un montant suppl\u00e9mentaire de 2 000 $ sans p\u00e9nalit\u00e9 fiscale, \u00e0 condition de pouvoir le d\u00e9duire dans le futur. 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