{"id":980,"date":"2019-03-12T15:15:04","date_gmt":"2019-03-12T19:15:04","guid":{"rendered":"http:\/\/caissealliance.absoludev.ca\/non-classifiee\/quels-sont-les-types-de-reer\/"},"modified":"2019-05-15T14:02:58","modified_gmt":"2019-05-15T18:02:58","slug":"quels-sont-les-types-de-reer","status":"publish","type":"post","link":"https:\/\/www.caissealliance.com\/fr\/particulier\/reer\/quels-sont-les-types-de-reer\/","title":{"rendered":"Quels sont les types de REER?"},"content":{"rendered":"<p>Il y a quatre sortes de REER<\/p>\n<ul>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">REER individuel<\/li>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">REER au nom du conjoint<\/li>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">REER collectif<\/li>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">REER autog\u00e9r\u00e9<\/li>\n<\/ul>\n<h2><strong>REER individuel<\/strong><\/h2>\n<p>R\u00e9gime de retraite enregistr\u00e9 au nom de la personne qui y cotise. Les placements et les avantages fiscaux qui y sont associ\u00e9s appartiennent au cotisant.<\/p>\n<p>Consulter l\u2019avis de cotisation que vous envoie chaque ann\u00e9e l\u2019Agence du Revenu du Canada (ARC) pour savoir quel maximum il vous est permis de d\u00e9duire dans votre d\u00e9claration de revenu.<\/p>\n<ul>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">Aucun \u00e2ge minimal pour cotiser.<\/li>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">Contribution exc\u00e9dentaire de 2 000 $ possible \u00e0 l\u2019\u00e2ge de 18 ans.<\/li>\n<\/ul>\n<h2><strong>REER au nom du conjoint<\/strong><\/h2>\n<p>R\u00e9gime enregistr\u00e9 au nom du conjoint dont vous \u00eates la personne cotisante. En tant que cotisant, vous b\u00e9n\u00e9ficiez de la d\u00e9duction d\u2019imp\u00f4t. Les sommes du placement REER appartiennent \u00e0 votre conjoint.<\/p>\n<p>Le total des sommes vers\u00e9es \u00e0 votre REER et \u00e0 celui de votre conjoint ne peut pas d\u00e9passer le total des d\u00e9ductions qui vous est permis.<\/p>\n<p>Si votre conjoint retire les sommes que vous avez vers\u00e9es \u00e0 son REER dans les 3 ann\u00e9es suivant le d\u00e9p\u00f4t, le montant du retrait sera ajout\u00e9 \u00e0 votre revenu imposable de l\u2019ann\u00e9e en cours. Apr\u00e8s ce d\u00e9lai, votre conjoint sera impos\u00e9 sur tout retrait effectu\u00e9 dans son REER.<\/p>\n<ul>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">Avantageux si votre conjoint aura des revenus inf\u00e9rieurs aux v\u00f4tres \u00e0 la retraite.<\/li>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">Permet de diminuer la facture d\u2019imp\u00f4t du couple.<\/li>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">Cotisations possibles jusqu\u2019\u00e0 ce que votre conjoint ait atteint 71 ans.<\/li>\n<\/ul>\n<h2><strong>REER collectif<\/strong><\/h2>\n<p>Mode d\u2019\u00e9pargne syst\u00e9matique qui permet aux employ\u00e9s d\u2019une entreprise de se constituer un capital en pr\u00e9vision de la retraite par des cotisations r\u00e9guli\u00e8res pr\u00e9lev\u00e9es sur leur salaire.<\/p>\n<p>Un REER collectif est consid\u00e9r\u00e9 comme un ensemble de REER individuels, car un contrat individuel est enregistr\u00e9 pour chaque employ\u00e9 participant. Certaines conditions d\u2019admissibilit\u00e9 et de retrait des fonds peuvent s\u2019appliquer.<\/p>\n<p>Si vous d\u00e9tenez un REER collectif et un REER individuel, la somme totale des cotisations effectu\u00e9es ne doit pas d\u00e9passer le montant maximal indiqu\u00e9 dans l\u2019avis de cotisation exp\u00e9di\u00e9 par l\u2019ARC (Agence du Revenu du Canada).<\/p>\n<p>Cette formule d\u2019\u00e9pargne exige pr\u00e9alablement l\u2019inscription de votre employeur \u00e0 l\u2019offre de service REER collectif.<\/p>\n<ul>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">Formule facultative : vous avez le choix d\u2019y participer ou non.<\/li>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">Montant et v\u00e9hicule de placement \u00e0 votre choix.<\/li>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">\u00c9conomie d\u2019imp\u00f4t imm\u00e9diat, votre cotisation est aussit\u00f4t d\u00e9duite de votre revenu imposable.<\/li>\n<\/ul>\n<p>Parlez-en \u00e0 votre employeur!<\/p>\n<h2><strong>REER autog\u00e9r\u00e9<\/strong><\/h2>\n<p>Un REER est autog\u00e9r\u00e9 si vous constituez et g\u00e9rez vous-m\u00eame, ou avec l\u2019aide d\u2019un courtier, votre portefeuille de titres.<\/p>\n<p>S\u2019adresse \u00e0 ceux qui d\u00e9sirent investir leurs cotisations REER dans des actions et non dans des fonds d\u2019actions.<\/p>\n<p>Si votre choix de placement porte exclusivement sur des \u00e9pargnes \u00e0 termes ou des fonds de placement, le REER autog\u00e9r\u00e9 n\u2019est peut-\u00eatre pas indiqu\u00e9 en raison des frais d\u2019administration applicables.<\/p>\n<p>Lorsqu\u2019un REER autog\u00e9r\u00e9 acquiert ou d\u00e9tient des placements non admissibles, vous pourriez \u00eatre assujetti \u00e0 un imp\u00f4t sp\u00e9cial de 1 % calcul\u00e9 mensuellement sur la valeur marchande des placements non admissibles \u00e0 la fin du mois.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Il y a quatre sortes de REER REER individuel REER au nom du conjoint REER collectif REER autog\u00e9r\u00e9 R\u00e9gime de retraite enregistr\u00e9 au nom de la personne qui y cotise. Les placements et les avantages fiscaux qui y sont associ\u00e9s appartiennent au cotisant. Consulter l\u2019avis de cotisation que vous envoie chaque ann\u00e9e l\u2019Agence du Revenu [&#8230;]<\/p>\n","protected":false},"author":1,"featured_media":4313,"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-980","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 v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Quels sont les types de 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\/quels-sont-les-types-de-reer\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Quels sont les types de REER? | Caisse Alliance\" \/>\n<meta property=\"og:description\" content=\"Il y a quatre sortes de REER REER individuel REER au nom du conjoint REER collectif REER autog\u00e9r\u00e9 R\u00e9gime de retraite enregistr\u00e9 au nom de la personne qui y cotise. 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