{"id":15006,"date":"2025-09-30T19:31:31","date_gmt":"2025-10-01T00:31:31","guid":{"rendered":"https:\/\/twinn.ca\/?p=15006"},"modified":"2025-11-10T21:59:57","modified_gmt":"2025-11-11T02:59:57","slug":"epargne-retraite-collective","status":"publish","type":"post","link":"https:\/\/twinn.ca\/fr\/epargne-retraite-collective\/","title":{"rendered":"\u00c9pargne Retraite Collective : Guide Complet pour Employeurs"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">\u00c9pargner pour la retraite peut sembler un objectif lointain pour les employ\u00e9s, et g\u00e9rer ces \u00e9conomies peut \u00eatre un casse-t\u00eate pour les employeurs. Les programmes d\u2019\u00e9pargne retraite collective simplifient le tout. Ils permettent aux employ\u00e9s de faire cro\u00eetre leur capital de fa\u00e7on constante tout en donnant aux employeurs des outils pour g\u00e9rer les cotisations, les r\u00e9compenses et la conformit\u00e9, le tout en un seul endroit.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ce guide explique comment b\u00e2tir un programme de retraite efficace : en combinant les REER collectifs, les DPSP et les outils d\u2019\u00e9pargne compl\u00e9mentaires pour cr\u00e9er un ensemble facile \u00e0 administrer, engageant pour les employ\u00e9s et efficace pour la s\u00e9curit\u00e9 financi\u00e8re \u00e0 long terme.<\/p>\n\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id15006_937698-60{margin-bottom:var(--global-kb-spacing-sm, 1.5rem);}.kb-row-layout-id15006_937698-60 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id15006_937698-60 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id15006_937698-60 > 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.kt-row-column-wrap{padding-top:var(--global-kb-spacing-md, 2rem);padding-right:var(--global-kb-spacing-xxs, 0.5rem);padding-bottom:var(--global-kb-spacing-md, 2rem);padding-left:var(--global-kb-spacing-xxs, 0.5rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id15006_937698-60{border-top:4px double var(--global-palette1, #3182CE);border-right:4px double var(--global-palette1, #3182CE);border-bottom:4px double var(--global-palette1, #3182CE);border-left:4px double var(--global-palette1, #3182CE);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id15006_937698-60 alignnone kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column15006_4335a3-f9 > .kt-inside-inner-col,.kadence-column15006_4335a3-f9 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column15006_4335a3-f9 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column15006_4335a3-f9 > .kt-inside-inner-col{flex-direction:column;}.kadence-column15006_4335a3-f9 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column15006_4335a3-f9 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column15006_4335a3-f9{position:relative;}@media all and (max-width: 1024px){.kadence-column15006_4335a3-f9 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column15006_4335a3-f9 > .kt-inside-inner-col{padding-right:0px;padding-left:0px;flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column15006_4335a3-f9\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading15006_0c6ab4-5d, .wp-block-kadence-advancedheading.kt-adv-heading15006_0c6ab4-5d[data-kb-block=\"kb-adv-heading15006_0c6ab4-5d\"]{text-align:left;font-style:normal;color:#020202;border-left:20px solid transparent;}.wp-block-kadence-advancedheading.kt-adv-heading15006_0c6ab4-5d mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading15006_0c6ab4-5d[data-kb-block=\"kb-adv-heading15006_0c6ab4-5d\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading15006_0c6ab4-5d img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading15006_0c6ab4-5d[data-kb-block=\"kb-adv-heading15006_0c6ab4-5d\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading15006_0c6ab4-5d, .wp-block-kadence-advancedheading.kt-adv-heading15006_0c6ab4-5d[data-kb-block=\"kb-adv-heading15006_0c6ab4-5d\"]{border-left:20px solid transparent;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading15006_0c6ab4-5d, .wp-block-kadence-advancedheading.kt-adv-heading15006_0c6ab4-5d[data-kb-block=\"kb-adv-heading15006_0c6ab4-5d\"]{border-left:20px solid transparent;}}<\/style>\n<h3 class=\"kt-adv-heading15006_0c6ab4-5d wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading15006_0c6ab4-5d\">Points Cl\u00e9s<\/h3>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items15006_2c399f-31:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15006_2c399f-31 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15006_2c399f-31 ul.kt-svg-icon-list{grid-row-gap:20px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15006_2c399f-31 .kb-svg-icon-wrap{color:var(--global-palette2, #2B6CB0);}.kt-svg-icon-list-items15006_2c399f-31 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items15006_2c399f-31 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-15006_aa9ac7-bd .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15006_aa9ac7-bd\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">L\u2019\u00e9pargne retraite collective aide les employ\u00e9s \u00e0 \u00e9pargner efficacement tout en offrant aux employeurs un avantage fiscal et un outil de r\u00e9tention du personnel.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15006_1f1071-1d .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15006_1f1071-1d\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Combiner des r\u00e9gimes de base (REER collectifs, RPDB) avec des options flexibles (CELI, CELIAPP, REPAE) permet d\u2019offrir une solution plus personnalis\u00e9e.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15006_8abafb-4b .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15006_8abafb-4b\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">L\u2019\u00e9ducation financi\u00e8re des employ\u00e9s est aussi essentielle que la conception du r\u00e9gime : une communication claire maximise la valeur per\u00e7ue des avantages.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15006_275566-e5 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15006_275566-e5\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Travailler avec un conseiller en avantages sociaux simplifie l\u2019administration, la conformit\u00e9 et la planification \u00e0 long terme.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15006_e1e6ac-82 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15006_e1e6ac-82\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Le bon m\u00e9lange de v\u00e9hicules d\u2019\u00e9pargne renforce \u00e0 la fois la culture d\u2019entreprise et la s\u00e9curit\u00e9 financi\u00e8re des employ\u00e9s.<\/span><\/li>\n<\/ul><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"what-are-group-retirement-savings-plan\">Qu\u2019est-ce qu\u2019un r\u00e9gime d\u2019\u00e9pargne retraite collective ?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Les v\u00e9hicules d\u2019\u00e9pargne retraite collective sont des programmes parrain\u00e9s par l\u2019employeur qui aident les employ\u00e9s \u00e0 \u00e9pargner pour l\u2019avenir de fa\u00e7on structur\u00e9e et souvent avantageuse sur le plan fiscal. Contrairement \u00e0 un REER individuel g\u00e9r\u00e9 seul, ces r\u00e9gimes permettent de regrouper les cotisations de l\u2019employeur et de l\u2019employ\u00e9, g\u00e9n\u00e9ralement par l\u2019interm\u00e9diaire d\u2019une institution financi\u00e8re comme Manuvie, Sun Life ou Canada Vie.<\/p>\n\n\n<style>.kb-image15006_569a64-83 .kb-image-has-overlay:after{opacity:0.3;}<\/style>\n<figure class=\"wp-block-kadence-image kb-image15006_569a64-83 size-full\"><img decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/10\/employee-during-conference-on-group-retirement-savings.webp\" alt=\"Employ\u00e9 lors d\u2019une conf\u00e9rence sur l\u2019\u00e9pargne-retraite collective\" class=\"kb-img wp-image-14819\" title=\"Employ\u00e9 lors d\u2019une conf\u00e9rence sur l\u2019\u00e9pargne-retraite collective\" srcset=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/10\/employee-during-conference-on-group-retirement-savings.webp 1000w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/10\/employee-during-conference-on-group-retirement-savings-300x200.webp 300w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/10\/employee-during-conference-on-group-retirement-savings-768x512.webp 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"why-include-group-retirement-savings-in-your-benefits-package\">Pourquoi inclure l\u2019\u00e9pargne retraite collective dans vos avantages sociaux<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Autrefois r\u00e9serv\u00e9s aux grandes entreprises, ces r\u00e9gimes sont d\u00e9sormais accessibles aux PME gr\u00e2ce \u00e0 des solutions plus flexibles et abordables. Une fois mis en place, ils sont faciles \u00e0 g\u00e9rer et offrent une r\u00e9elle valeur strat\u00e9gique.<\/p>\n\n\n<style>.kb-row-layout-id15006_50b3ba-b3 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id15006_50b3ba-b3 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id15006_50b3ba-b3 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:var(--global-kb-spacing-md, 2rem);padding-bottom:var(--global-kb-spacing-xl, 4rem);grid-template-columns:repeat(2, minmax(0, 1fr));}.kb-row-layout-id15006_50b3ba-b3 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id15006_50b3ba-b3 > .kt-row-column-wrap{padding-top:var(--global-kb-spacing-lg, 3rem);padding-bottom:var(--global-kb-spacing-lg, 3rem);grid-template-columns:repeat(2, minmax(0, 1fr));}}@media all and (max-width: 767px){.kb-row-layout-id15006_50b3ba-b3 > .kt-row-column-wrap{padding-top:var(--global-kb-spacing-md, 2rem);padding-right:var(--global-kb-spacing-xs, 1rem);padding-bottom:var(--global-kb-spacing-md, 2rem);padding-left:var(--global-kb-spacing-xs, 1rem);grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id15006_50b3ba-b3 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column15006_3cbffb-e5 > .kt-inside-inner-col,.kadence-column15006_3cbffb-e5 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column15006_3cbffb-e5 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column15006_3cbffb-e5 > .kt-inside-inner-col{flex-direction:column;}.kadence-column15006_3cbffb-e5 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column15006_3cbffb-e5 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column15006_3cbffb-e5{position:relative;}@media all and (max-width: 1024px){.kadence-column15006_3cbffb-e5 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column15006_3cbffb-e5 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column15006_3cbffb-e5\"><div class=\"kt-inside-inner-col\">\n<h4 class=\"wp-block-heading has-text-align-center\" id=\"benefits-for-employers-1\">Avantages pour les employeurs<\/h4>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items15006_bc0d23-d4:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15006_bc0d23-d4 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;padding-right:var(--global-kb-spacing-xxs, 0.5rem);padding-left:var(--global-kb-spacing-xs, 1rem);}.wp-block-kadence-iconlist.kt-svg-icon-list-items15006_bc0d23-d4 ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15006_bc0d23-d4 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items15006_bc0d23-d4 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items15006_bc0d23-d4 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-15006_f92de4-cb .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15006_f92de4-cb\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>R\u00e9tention et recrutement accrus<\/strong> : proposer un r\u00e9gime structur\u00e9 d\u00e9montre stabilit\u00e9 et vision \u00e0 long terme.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15006_556394-98 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15006_556394-98\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Avantages fiscaux<\/strong> : les cotisations de l\u2019employeur sont d\u00e9ductibles d\u2019imp\u00f4t, r\u00e9duisant ainsi la charge fiscale.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15006_c25090-f4 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15006_c25090-f4\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Administration simplifi\u00e9e<\/strong> : les plateformes modernes automatisent les retenues sur la paie, les rapports et le suivi de la conformit\u00e9.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15006_657442-f0 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15006_657442-f0\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Culture de bien-\u00eatre financier<\/strong> : des employ\u00e9s confiants sur leur avenir financier sont plus engag\u00e9s et fid\u00e8les.<\/span><\/li>\n<\/ul><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column15006_e2ead7-86 > .kt-inside-inner-col,.kadence-column15006_e2ead7-86 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column15006_e2ead7-86 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column15006_e2ead7-86 > .kt-inside-inner-col{flex-direction:column;}.kadence-column15006_e2ead7-86 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column15006_e2ead7-86 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column15006_e2ead7-86{position:relative;}@media all and (max-width: 1024px){.kadence-column15006_e2ead7-86 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column15006_e2ead7-86 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column15006_e2ead7-86\"><div class=\"kt-inside-inner-col\">\n<h4 class=\"wp-block-heading has-text-align-center\" id=\"benefits-for-employees-1\">Avantages pour les employ\u00e9s<\/h4>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items15006_c7c8b1-29:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15006_c7c8b1-29 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;padding-left:var(--global-kb-spacing-xs, 1rem);}.wp-block-kadence-iconlist.kt-svg-icon-list-items15006_c7c8b1-29 ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15006_c7c8b1-29 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items15006_c7c8b1-29 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items15006_c7c8b1-29 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-15006_2226de-1e .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15006_2226de-1e\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>\u00c9pargne automatique<\/strong> : les cotisations sont pr\u00e9lev\u00e9es directement sur la paie, sans transfert manuel \u00e0 g\u00e9rer.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15006_3d7317-bc .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15006_3d7317-bc\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Cotisation de contrepartie<\/strong> : plusieurs employeurs \u00e9galent une partie des cotisations, doublant ainsi la valeur de l\u2019\u00e9pargne.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15006_c73310-8d .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15006_c73310-8d\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Croissance \u00e0 imposition diff\u00e9r\u00e9e<\/strong> : comme pour un REER individuel, les fonds croissent \u00e0 l\u2019abri de l\u2019imp\u00f4t jusqu\u2019au retrait.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15006_53bdbc-06 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15006_53bdbc-06\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Frais de gestion r\u00e9duits<\/strong> : les r\u00e9gimes collectifs offrent souvent des co\u00fbts inf\u00e9rieurs \u00e0 ceux des placements individuels.<\/span><\/li>\n<\/ul><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id15006_f926ef-7b{margin-bottom:var(--global-kb-spacing-sm, 1.5rem);}.kb-row-layout-id15006_f926ef-7b > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id15006_f926ef-7b > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id15006_f926ef-7b > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id15006_f926ef-7b{border-top-left-radius:12px;border-top-right-radius:12px;border-bottom-right-radius:12px;border-bottom-left-radius:12px;overflow:clip;isolation:isolate;}.kb-row-layout-id15006_f926ef-7b > .kt-row-layout-overlay{border-top-left-radius:12px;border-top-right-radius:12px;border-bottom-right-radius:12px;border-bottom-left-radius:12px;}.kb-row-layout-id15006_f926ef-7b{box-shadow:0px 3px 24px 8px rgba(0, 0, 0, 0.2);}.kb-row-layout-id15006_f926ef-7b > .kt-row-layout-overlay{opacity:0.25;}@media all and (max-width: 1024px){.kb-row-layout-id15006_f926ef-7b > .kt-row-column-wrap{padding-top:var(--global-kb-spacing-lg, 3rem);padding-right:var(--global-kb-spacing-xxs, 0.5rem);padding-bottom:var(--global-kb-spacing-lg, 3rem);padding-left:var(--global-kb-spacing-xxs, 0.5rem);grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id15006_f926ef-7b > .kt-row-column-wrap{padding-top:var(--global-kb-spacing-md, 2rem);padding-right:var(--global-kb-spacing-xxs, 0.5rem);padding-bottom:var(--global-kb-spacing-md, 2rem);padding-left:var(--global-kb-spacing-xxs, 0.5rem);grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id15006_f926ef-7b alignnone kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column15006_132ea2-3e > .kt-inside-inner-col,.kadence-column15006_132ea2-3e > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column15006_132ea2-3e > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column15006_132ea2-3e > .kt-inside-inner-col{flex-direction:column;}.kadence-column15006_132ea2-3e > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column15006_132ea2-3e > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column15006_132ea2-3e, .kadence-column15006_132ea2-3e h1, .kadence-column15006_132ea2-3e h2, .kadence-column15006_132ea2-3e h3, .kadence-column15006_132ea2-3e h4, .kadence-column15006_132ea2-3e h5, .kadence-column15006_132ea2-3e h6{color:var(--global-palette5, #4A5568);}.kadence-column15006_132ea2-3e{position:relative;}@media all and (max-width: 1024px){.kadence-column15006_132ea2-3e > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column15006_132ea2-3e > .kt-inside-inner-col{padding-right:0px;padding-left:0px;flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column15006_132ea2-3e\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading15006_472a1d-65, .wp-block-kadence-advancedheading.kt-adv-heading15006_472a1d-65[data-kb-block=\"kb-adv-heading15006_472a1d-65\"]{font-size:var(--global-kb-font-size-md, 1.25rem);font-style:normal;border-left:2px solid transparent;}.wp-block-kadence-advancedheading.kt-adv-heading15006_472a1d-65[data-kb-block=\"kb-adv-heading15006_472a1d-65\"]{display:flex;gap:0.25em;align-items:center;}.wp-block-kadence-advancedheading.kt-adv-heading15006_472a1d-65[data-kb-block=\"kb-adv-heading15006_472a1d-65\"] .kb-adv-heading-icon svg{width:1em;height:1em;}.wp-block-kadence-advancedheading.kt-adv-heading15006_472a1d-65[data-kb-block=\"kb-adv-heading15006_472a1d-65\"] .kb-adv-heading-icon{color:#08a102;}.wp-block-kadence-advancedheading.kt-adv-heading15006_472a1d-65 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading15006_472a1d-65[data-kb-block=\"kb-adv-heading15006_472a1d-65\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading15006_472a1d-65 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading15006_472a1d-65[data-kb-block=\"kb-adv-heading15006_472a1d-65\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading15006_472a1d-65, .wp-block-kadence-advancedheading.kt-adv-heading15006_472a1d-65[data-kb-block=\"kb-adv-heading15006_472a1d-65\"]{border-left:2px solid transparent;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading15006_472a1d-65, .wp-block-kadence-advancedheading.kt-adv-heading15006_472a1d-65[data-kb-block=\"kb-adv-heading15006_472a1d-65\"]{border-left:2px solid transparent;}}<\/style><h5 class=\"kt-adv-heading15006_472a1d-65 wp-block-kadence-advancedheading kt-adv-heading-has-icon has-theme-palette5-color has-text-color\" data-kb-block=\"kb-adv-heading15006_472a1d-65\"><span class=\"kb-svg-icon-wrap kb-adv-heading-icon kb-svg-icon-fas_question-circle kb-adv-heading-icon-side-left\"><svg viewBox=\"0 0 512 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M504 256c0 136.997-111.043 248-248 248S8 392.997 8 256C8 119.083 119.043 8 256 8s248 111.083 248 248zM262.655 90c-54.497 0-89.255 22.957-116.549 63.758-3.536 5.286-2.353 12.415 2.715 16.258l34.699 26.31c5.205 3.947 12.621 3.008 16.665-2.122 17.864-22.658 30.113-35.797 57.303-35.797 20.429 0 45.698 13.148 45.698 32.958 0 14.976-12.363 22.667-32.534 33.976C247.128 238.528 216 254.941 216 296v4c0 6.627 5.373 12 12 12h56c6.627 0 12-5.373 12-12v-1.333c0-28.462 83.186-29.647 83.186-106.667 0-58.002-60.165-102-116.531-102zM256 338c-25.365 0-46 20.635-46 46 0 25.364 20.635 46 46 46s46-20.636 46-46c0-25.365-20.635-46-46-46z\"\/><\/svg><\/span><span class=\"kb-adv-text-inner\">Impact des r\u00e9gimes d\u2019\u00e9pargne collective<\/span><\/h5>\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading15006_a1de45-b6, .wp-block-kadence-advancedheading.kt-adv-heading15006_a1de45-b6[data-kb-block=\"kb-adv-heading15006_a1de45-b6\"]{padding-left:var(--global-kb-spacing-xs, 1rem);margin-left:var(--global-kb-spacing-xs, 1rem);font-style:normal;border-left:2px solid #08a102;}.wp-block-kadence-advancedheading.kt-adv-heading15006_a1de45-b6 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading15006_a1de45-b6[data-kb-block=\"kb-adv-heading15006_a1de45-b6\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading15006_a1de45-b6 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading15006_a1de45-b6[data-kb-block=\"kb-adv-heading15006_a1de45-b6\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading15006_a1de45-b6, .wp-block-kadence-advancedheading.kt-adv-heading15006_a1de45-b6[data-kb-block=\"kb-adv-heading15006_a1de45-b6\"]{border-left:2px solid #08a102;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading15006_a1de45-b6, .wp-block-kadence-advancedheading.kt-adv-heading15006_a1de45-b6[data-kb-block=\"kb-adv-heading15006_a1de45-b6\"]{border-left:2px solid #08a102;}}<\/style>\n<p class=\"kt-adv-heading15006_a1de45-b6 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading15006_a1de45-b6\"><a href=\"https:\/\/www.canada.ca\/fr\/agence-consommation-matiere-financiere\/services\/mieux-etre-financier-travail\/stress-impacts.html\" data-type=\"link\" data-id=\"https:\/\/www.canada.ca\/fr\/agence-consommation-matiere-financiere\/services\/mieux-etre-financier-travail\/stress-impacts.html\" target=\"_blank\" rel=\"noopener\">Plus de la moiti\u00e9 des travailleurs<\/a> canadiens admettent que le stress li\u00e9 aux finances personnelles influe sur leur rendement au travail.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"savings-vehicles-vs-pension-plans\">V\u00e9hicules d\u2019\u00e9pargne vs r\u00e9gimes de pension<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Tous les programmes de retraite ne se valent pas. Les employeurs confondent souvent les v\u00e9hicules d\u2019\u00e9pargne retraite collective et les r\u00e9gimes de pension, mais leurs structures, leur flexibilit\u00e9 et leurs niveaux de risque diff\u00e8rent beaucoup.<\/p>\n\n\n\n<figure class=\"wp-block-table alignfull is-style-stripes\" style=\"padding-bottom:var(--wp--preset--spacing--30)\"><table class=\"has-theme-palette-7-background-color has-background\" style=\"border-width:2px\"><thead><tr><th><strong>Caract\u00e9ristique<\/strong><\/th><th><strong>V\u00e9hicules d\u2019\u00e9pargne-retraite collectifs<\/strong> (par exemple, REER collectif, DPSP, CELI)<\/th><th><strong>R\u00e9gimes de retraite<\/strong> (par exemple, \u00e0 prestations d\u00e9termin\u00e9es ou \u00e0 cotisations d\u00e9termin\u00e9es)<\/th><\/tr><\/thead><tbody><tr><td><strong>Structure<\/strong><\/td><td><em>Style de contribution d\u00e9finie<\/em> \u2014 l\u2019employeur contribue un montant fixe; La croissance d\u00e9pend des investissements.<\/td><td>Peut \u00eatre <em>\u00e0 prestations d\u00e9finies<\/em> ou <em>\u00e0 contribution d\u00e9finie<\/em>; plus formelle et r\u00e9glement\u00e9e.<\/td><\/tr><tr><td><strong>Propri\u00e9t\u00e9<\/strong><\/td><td>Propri\u00e9t\u00e9 des employ\u00e9s et enti\u00e8rement portable.<\/td><td>Les fonds d\u00e9tenus dans une fiducie de retraite ne sont pas toujours portables.<\/td><\/tr><tr><td><strong>R\u00f4le de l\u2019employeur<\/strong><\/td><td>Limit\u00e9 aux contributions; Aucune obligation de financement \u00e0 long terme.<\/td><td>Doit assurer un financement continu et une conformit\u00e9.<\/td><\/tr><tr><td><strong>Flexibilit\u00e9<\/strong><\/td><td>\u00c9lev\u00e9\u2014facile \u00e0 ajuster ou \u00e0 combiner avec d\u2019autres plans.<\/td><td>Faible \u2014 n\u00e9cessite plus de supervision et d\u2019administration.<\/td><\/tr><tr><td><strong>Id\u00e9al pour<\/strong><\/td><td>Les entreprises qui veulent une approche d\u2019\u00e9pargne simple et flexible.<\/td><td>Les grands employeurs se pr\u00e9paraient \u00e0 des engagements \u00e0 long terme.<\/td><\/tr><tr><td><strong>Exemple<\/strong><\/td><td>Combiner un REER de groupe et un RPD pour des r\u00e9compenses \u00e9quilibr\u00e9es.<\/td><td>Offrant un r\u00e9gime \u00e0 prestations d\u00e9finies pour la r\u00e9tention \u00e0 long terme.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Pour la plupart des petites et moyennes entreprises, combiner plusieurs v\u00e9hicules d\u2019\u00e9pargne retraite collective \u2014 comme un REER collectif et un RPDB \u2014 constitue une alternative pratique et peu exigeante aux r\u00e9gimes de pension traditionnels.<\/p>\n\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id15006_bafe87-53{margin-top:var(--global-kb-spacing-sm, 1.5rem);margin-bottom:var(--global-kb-spacing-sm, 1.5rem);}.kb-row-layout-id15006_bafe87-53 > 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.kt-row-layout-overlay{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;}.kb-row-layout-id15006_bafe87-53 > .kt-row-layout-overlay{opacity:0.17;background:linear-gradient(90deg,var(--global-palette2) 3%,var(--global-palette6,#f2f0e8) 100%);}@media all and (max-width: 1024px){.kb-row-layout-id15006_bafe87-53 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-md, 2rem);grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id15006_bafe87-53 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id15006_bafe87-53 alignnone has-theme-palette8-background-color kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-layout-overlay kt-row-overlay-gradient\"><\/div><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-left-golden kt-tab-layout-row kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column15006_ee3048-7a > .kt-inside-inner-col,.kadence-column15006_ee3048-7a > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column15006_ee3048-7a > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column15006_ee3048-7a > .kt-inside-inner-col{flex-direction:column;}.kadence-column15006_ee3048-7a > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column15006_ee3048-7a > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column15006_ee3048-7a{position:relative;}@media all and (max-width: 1024px){.kadence-column15006_ee3048-7a > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column15006_ee3048-7a > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column15006_ee3048-7a\"><div class=\"kt-inside-inner-col\"><style>.kadence-column15006_f02ddc-9c > .kt-inside-inner-col{display:flex;}#wrapper.site{overflow:clip;}.kadence-column15006_f02ddc-9c{--kb-section-setting-offset:90px;}.kadence-column15006_f02ddc-9c > .kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kadence-column15006_f02ddc-9c > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column15006_f02ddc-9c > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column15006_f02ddc-9c > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column15006_f02ddc-9c{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15006_f02ddc-9c{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15006_f02ddc-9c > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column15006_f02ddc-9c > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column15006_f02ddc-9c{text-align:left;}.kadence-column15006_f02ddc-9c{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column15006_f02ddc-9c{align-self:flex-start;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15006_f02ddc-9c{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15006_f02ddc-9c > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 1024px){.kadence-column15006_f02ddc-9c > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column15006_f02ddc-9c{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15006_f02ddc-9c{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15006_f02ddc-9c > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column15006_f02ddc-9c > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column15006_f02ddc-9c kb-section-is-sticky kb-section-dir-vertical o-sticky o-sticky-scope-main-area o-sticky-pos-top o-sticky-bhvr-keep\" data-aos=\"fade-right\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading15006_2bacb0-30, .wp-block-kadence-advancedheading.kt-adv-heading15006_2bacb0-30[data-kb-block=\"kb-adv-heading15006_2bacb0-30\"]{font-size:var(--global-kb-font-size-lg, 2rem);font-style:normal;font-family:var( --global-heading-font-family, inherit );}.wp-block-kadence-advancedheading.kt-adv-heading15006_2bacb0-30 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading15006_2bacb0-30[data-kb-block=\"kb-adv-heading15006_2bacb0-30\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading15006_2bacb0-30 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading15006_2bacb0-30[data-kb-block=\"kb-adv-heading15006_2bacb0-30\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading15006_2bacb0-30, .wp-block-kadence-advancedheading.kt-adv-heading15006_2bacb0-30[data-kb-block=\"kb-adv-heading15006_2bacb0-30\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading15006_2bacb0-30, .wp-block-kadence-advancedheading.kt-adv-heading15006_2bacb0-30[data-kb-block=\"kb-adv-heading15006_2bacb0-30\"]{text-align:center!important;}}<\/style>\n<h4 class=\"kt-adv-heading15006_2bacb0-30 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading15006_2bacb0-30\">Besoin d\u2019un r\u00e9gime d\u2019\u00e9pargne retraite collective performant ?<\/h4>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading15006_a3cabf-75, .wp-block-kadence-advancedheading.kt-adv-heading15006_a3cabf-75[data-kb-block=\"kb-adv-heading15006_a3cabf-75\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading15006_a3cabf-75 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading15006_a3cabf-75[data-kb-block=\"kb-adv-heading15006_a3cabf-75\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading15006_a3cabf-75 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading15006_a3cabf-75[data-kb-block=\"kb-adv-heading15006_a3cabf-75\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading15006_a3cabf-75, .wp-block-kadence-advancedheading.kt-adv-heading15006_a3cabf-75[data-kb-block=\"kb-adv-heading15006_a3cabf-75\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading15006_a3cabf-75, .wp-block-kadence-advancedheading.kt-adv-heading15006_a3cabf-75[data-kb-block=\"kb-adv-heading15006_a3cabf-75\"]{text-align:center!important;}}<\/style>\n<p class=\"kt-adv-heading15006_a3cabf-75 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading15006_a3cabf-75\">Collaborez avec nos sp\u00e9cialistes en avantages sociaux pour cr\u00e9er un programme adapt\u00e9 \u00e0 votre budget, mobilisant pour vos employ\u00e9s et conforme aux exigences r\u00e9glementaires.<\/p>\n<\/div><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column15006_e43f8e-85 > .kt-inside-inner-col{display:flex;}.kadence-column15006_e43f8e-85 > .kt-inside-inner-col,.kadence-column15006_e43f8e-85 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column15006_e43f8e-85 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column15006_e43f8e-85 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column15006_e43f8e-85 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column15006_e43f8e-85{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15006_e43f8e-85{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15006_e43f8e-85 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column15006_e43f8e-85 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column15006_e43f8e-85{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column15006_e43f8e-85{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15006_e43f8e-85{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15006_e43f8e-85 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column15006_e43f8e-85 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column15006_e43f8e-85{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15006_e43f8e-85{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15006_e43f8e-85 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column15006_e43f8e-85 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column15006_e43f8e-85\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading15006_720acc-68, .wp-block-kadence-advancedheading.kt-adv-heading15006_720acc-68[data-kb-block=\"kb-adv-heading15006_720acc-68\"]{margin-bottom:var(--global-kb-spacing-xs, 1rem);text-align:center;font-size:var(--global-kb-font-size-md, 1.25rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading15006_720acc-68[data-kb-block=\"kb-adv-heading15006_720acc-68\"]{display:flex;gap:0.25em;justify-content:center;align-items:center;}.wp-block-kadence-advancedheading.kt-adv-heading15006_720acc-68[data-kb-block=\"kb-adv-heading15006_720acc-68\"] .kb-adv-heading-icon svg{width:1em;height:1em;}.wp-block-kadence-advancedheading.kt-adv-heading15006_720acc-68[data-kb-block=\"kb-adv-heading15006_720acc-68\"] .kb-adv-heading-icon{color:var(--global-palette1, #3182CE);}.wp-block-kadence-advancedheading.kt-adv-heading15006_720acc-68 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading15006_720acc-68[data-kb-block=\"kb-adv-heading15006_720acc-68\"] mark.kt-highlight{font-style:normal;color:var(--global-palette6, #718096);-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading15006_720acc-68 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading15006_720acc-68[data-kb-block=\"kb-adv-heading15006_720acc-68\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading15006_720acc-68, .wp-block-kadence-advancedheading.kt-adv-heading15006_720acc-68[data-kb-block=\"kb-adv-heading15006_720acc-68\"]{text-align:center!important;}}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading15006_720acc-68[data-kb-block=\"kb-adv-heading15006_720acc-68\"]{justify-content:center;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading15006_720acc-68, .wp-block-kadence-advancedheading.kt-adv-heading15006_720acc-68[data-kb-block=\"kb-adv-heading15006_720acc-68\"]{padding-bottom:0px;text-align:center!important;}.wp-block-kadence-advancedheading.kt-adv-heading15006_720acc-68[data-kb-block=\"kb-adv-heading15006_720acc-68\"]{justify-content:center;}}<\/style><p class=\"kt-adv-heading15006_720acc-68 wp-block-kadence-advancedheading kt-adv-heading-has-icon\" data-kb-block=\"kb-adv-heading15006_720acc-68\"><span class=\"kb-svg-icon-wrap kb-adv-heading-icon kb-svg-icon-fas_phone-square kb-adv-heading-icon-side-left\"><svg viewBox=\"0 0 448 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M400 32H48C21.49 32 0 53.49 0 80v352c0 26.51 21.49 48 48 48h352c26.51 0 48-21.49 48-48V80c0-26.51-21.49-48-48-48zM94 416c-7.033 0-13.057-4.873-14.616-11.627l-14.998-65a15 15 0 0 1 8.707-17.16l69.998-29.999a15 15 0 0 1 17.518 4.289l30.997 37.885c48.944-22.963 88.297-62.858 110.781-110.78l-37.886-30.997a15.001 15.001 0 0 1-4.289-17.518l30-69.998a15 15 0 0 1 17.16-8.707l65 14.998A14.997 14.997 0 0 1 384 126c0 160.292-129.945 290-290 290z\"\/><\/svg><\/span><span class=\"kb-adv-text-inner\"><a href=\"tel:1-866-760-3993\" data-type=\"tel\" data-id=\"tel:1-866-760-3993\"><mark class=\"kt-highlight\">Appelez-nous une estimation gratuite <\/mark><\/a><\/span><\/p>\n\n<style>.wp-block-kadence-advancedbtn.kb-btns15006_7dfbbd-24{gap:var(--global-kb-gap-xs, 0.5rem );justify-content:center;align-items:center;}.kt-btns15006_7dfbbd-24 .kt-button{font-weight:normal;font-style:normal;}.kt-btns15006_7dfbbd-24 .kt-btn-wrap-0{margin-right:5px;}.wp-block-kadence-advancedbtn.kt-btns15006_7dfbbd-24 .kt-btn-wrap-0 .kt-button{color:#555555;border-color:#555555;}.wp-block-kadence-advancedbtn.kt-btns15006_7dfbbd-24 .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns15006_7dfbbd-24 .kt-btn-wrap-0 .kt-button:focus{color:#ffffff;border-color:#444444;}.wp-block-kadence-advancedbtn.kt-btns15006_7dfbbd-24 .kt-btn-wrap-0 .kt-button::before{display:none;}.wp-block-kadence-advancedbtn.kt-btns15006_7dfbbd-24 .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns15006_7dfbbd-24 .kt-btn-wrap-0 .kt-button:focus{background:#444444;}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn.kb-btns15006_7dfbbd-24{justify-content:center;}}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn.kb-btns15006_7dfbbd-24{justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-advancedbtn kb-buttons-wrap kb-btns15006_7dfbbd-24\"><style>ul.menu .wp-block-kadence-advancedbtn .kb-btn15006_952d0b-d4.kb-button{width:initial;}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn .kb-btn15006_952d0b-d4.kb-button{font-size:var(--global-kb-font-size-sm, 0.9rem);}}<\/style><a class=\"kb-button kt-button button kb-btn15006_952d0b-d4 kt-btn-size-standard kt-btn-width-type-auto kb-btn-global-inherit kt-btn-has-text-true kt-btn-has-svg-true wp-block-button__link wp-block-kadence-singlebtn\" href=\"https:\/\/twinn.ca\/fr\/contact\/\"><span class=\"kt-btn-inner-text\">Contacter Maintenant<\/span><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_arrowRightCircle kt-btn-icon-side-right\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><polyline points=\"12 16 16 12 12 8\"\/><line x1=\"8\" y1=\"12\" x2=\"16\" y2=\"12\"\/><\/svg><\/span><\/a><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"types-of-group-retirement-savings-vehicles\">Types de v\u00e9hicules d\u2019\u00e9pargne-retraite collectifs<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Une fois le cadre g\u00e9n\u00e9ral compris, la prochaine \u00e9tape consiste \u00e0 choisir les v\u00e9hicules d\u2019\u00e9pargne retraite collective les mieux adapt\u00e9s \u00e0 la structure et aux objectifs de votre entreprise. Chaque type pr\u00e9sente ses propres r\u00e8gles de cotisation, avantages fiscaux et b\u00e9n\u00e9fices pour les employ\u00e9s.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"group-rrsp-grsp\">REER collectif (R\u00c9ER collectif ou GRSP)<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Le <span style=\"text-decoration: underline;\">r\u00e9gime d\u2019\u00e9pargne-retraite enregistr\u00e9 de groupe (GRSP)<\/span> est le type de r\u00e9gime de retraite collectif le plus courant au Canada. Il refl\u00e8te un REER individuel, mais est administr\u00e9 par l\u2019employeur et peut inclure des d\u00e9ductions sur la paie et des contributions de contrepartie. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Caract\u00e9ristiques principales :<\/strong><\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items15006_ae76d9-27:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15006_ae76d9-27 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;padding-left:var(--global-kb-spacing-xs, 1rem);}.wp-block-kadence-iconlist.kt-svg-icon-list-items15006_ae76d9-27 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15006_ae76d9-27 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items15006_ae76d9-27 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items15006_ae76d9-27 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-15006_45a562-7b .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15006_45a562-7b\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_cornerDownRight kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"15 10 20 15 15 20\"\/><path d=\"M4 4v7a4 4 0 0 0 4 4h12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Propri\u00e9t\u00e9 de l\u2019employ\u00e9 :<\/strong> Les fonds appartiennent \u00e0 l\u2019employ\u00e9 et le suivent en cas de changement d\u2019emploi.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15006_1d2668-d8 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15006_1d2668-d8\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_cornerDownRight kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"15 10 20 15 15 20\"\/><path d=\"M4 4v7a4 4 0 0 0 4 4h12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Avantages fiscaux :<\/strong> Les contributions sont d\u00e9ductibles d\u2019imp\u00f4t et la croissance des placements est diff\u00e9r\u00e9e d\u2019imp\u00f4t.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15006_8c1e49-b6 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15006_8c1e49-b6\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_cornerDownRight kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"15 10 20 15 15 20\"\/><path d=\"M4 4v7a4 4 0 0 0 4 4h12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Conception flexible :<\/strong> Facile d\u2019ajuster les niveaux de cotisation ou de changer de fournisseur (par exemple, <strong>Manulife<\/strong>, <strong>Sun Life<\/strong> ou <strong>Canada Life<\/strong>).<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Exemple : Une jeune entreprise technologique utilisant un r\u00e9gime d\u2019\u00e9pargne retraite collective avec Manuvie pourrait offrir une cotisation \u00e9quivalente de 3 %, favorisant \u00e0 la fois la participation et la r\u00e9tention du personnel.<\/p>\n\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id15006_d61777-5c{margin-bottom:var(--global-kb-spacing-sm, 1.5rem);}.kb-row-layout-id15006_d61777-5c > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id15006_d61777-5c > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id15006_d61777-5c > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-xs, 1rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id15006_d61777-5c{border-top-left-radius:12px;border-top-right-radius:12px;border-bottom-right-radius:12px;border-bottom-left-radius:12px;overflow:clip;isolation:isolate;}.kb-row-layout-id15006_d61777-5c > .kt-row-layout-overlay{border-top-left-radius:12px;border-top-right-radius:12px;border-bottom-right-radius:12px;border-bottom-left-radius:12px;}.kb-row-layout-id15006_d61777-5c{box-shadow:0px 3px 24px 8px rgba(0, 0, 0, 0.2);}.kb-row-layout-id15006_d61777-5c > .kt-row-layout-overlay{opacity:0.25;}@media all and (max-width: 1024px){.kb-row-layout-id15006_d61777-5c > .kt-row-column-wrap{padding-top:var(--global-kb-spacing-lg, 3rem);padding-right:var(--global-kb-spacing-xxs, 0.5rem);padding-bottom:var(--global-kb-spacing-lg, 3rem);padding-left:var(--global-kb-spacing-xxs, 0.5rem);grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id15006_d61777-5c > .kt-row-column-wrap{padding-top:var(--global-kb-spacing-md, 2rem);padding-right:var(--global-kb-spacing-xxs, 0.5rem);padding-bottom:var(--global-kb-spacing-md, 2rem);padding-left:var(--global-kb-spacing-xxs, 0.5rem);grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id15006_d61777-5c alignnone kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column15006_83ca88-b4 > .kt-inside-inner-col,.kadence-column15006_83ca88-b4 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column15006_83ca88-b4 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column15006_83ca88-b4 > .kt-inside-inner-col{flex-direction:column;}.kadence-column15006_83ca88-b4 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column15006_83ca88-b4 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column15006_83ca88-b4, .kadence-column15006_83ca88-b4 h1, .kadence-column15006_83ca88-b4 h2, .kadence-column15006_83ca88-b4 h3, .kadence-column15006_83ca88-b4 h4, .kadence-column15006_83ca88-b4 h5, .kadence-column15006_83ca88-b4 h6{color:var(--global-palette5, #4A5568);}.kadence-column15006_83ca88-b4{position:relative;}@media all and (max-width: 1024px){.kadence-column15006_83ca88-b4 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column15006_83ca88-b4 > .kt-inside-inner-col{padding-right:0px;padding-left:0px;flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column15006_83ca88-b4\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading15006_68fc73-f4, .wp-block-kadence-advancedheading.kt-adv-heading15006_68fc73-f4[data-kb-block=\"kb-adv-heading15006_68fc73-f4\"]{font-size:var(--global-kb-font-size-md, 1.25rem);font-style:normal;border-left:2px solid transparent;}.wp-block-kadence-advancedheading.kt-adv-heading15006_68fc73-f4[data-kb-block=\"kb-adv-heading15006_68fc73-f4\"]{display:flex;gap:0.25em;align-items:center;}.wp-block-kadence-advancedheading.kt-adv-heading15006_68fc73-f4[data-kb-block=\"kb-adv-heading15006_68fc73-f4\"] .kb-adv-heading-icon svg{width:1em;height:1em;}.wp-block-kadence-advancedheading.kt-adv-heading15006_68fc73-f4[data-kb-block=\"kb-adv-heading15006_68fc73-f4\"] .kb-adv-heading-icon{color:#08a102;}.wp-block-kadence-advancedheading.kt-adv-heading15006_68fc73-f4 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading15006_68fc73-f4[data-kb-block=\"kb-adv-heading15006_68fc73-f4\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading15006_68fc73-f4 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading15006_68fc73-f4[data-kb-block=\"kb-adv-heading15006_68fc73-f4\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading15006_68fc73-f4, .wp-block-kadence-advancedheading.kt-adv-heading15006_68fc73-f4[data-kb-block=\"kb-adv-heading15006_68fc73-f4\"]{border-left:2px solid transparent;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading15006_68fc73-f4, .wp-block-kadence-advancedheading.kt-adv-heading15006_68fc73-f4[data-kb-block=\"kb-adv-heading15006_68fc73-f4\"]{border-left:2px solid transparent;}}<\/style><h5 class=\"kt-adv-heading15006_68fc73-f4 wp-block-kadence-advancedheading kt-adv-heading-has-icon has-theme-palette5-color has-text-color\" data-kb-block=\"kb-adv-heading15006_68fc73-f4\"><span class=\"kb-svg-icon-wrap kb-adv-heading-icon kb-svg-icon-fas_question-circle kb-adv-heading-icon-side-left\"><svg viewBox=\"0 0 512 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M504 256c0 136.997-111.043 248-248 248S8 392.997 8 256C8 119.083 119.043 8 256 8s248 111.083 248 248zM262.655 90c-54.497 0-89.255 22.957-116.549 63.758-3.536 5.286-2.353 12.415 2.715 16.258l34.699 26.31c5.205 3.947 12.621 3.008 16.665-2.122 17.864-22.658 30.113-35.797 57.303-35.797 20.429 0 45.698 13.148 45.698 32.958 0 14.976-12.363 22.667-32.534 33.976C247.128 238.528 216 254.941 216 296v4c0 6.627 5.373 12 12 12h56c6.627 0 12-5.373 12-12v-1.333c0-28.462 83.186-29.647 83.186-106.667 0-58.002-60.165-102-116.531-102zM256 338c-25.365 0-46 20.635-46 46 0 25.364 20.635 46 46 46s46-20.636 46-46c0-25.365-20.635-46-46-46z\"\/><\/svg><\/span><span class=\"kb-adv-text-inner\">REER collectif vs REER individuel<\/span><\/h5>\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading15006_b05633-f3, .wp-block-kadence-advancedheading.kt-adv-heading15006_b05633-f3[data-kb-block=\"kb-adv-heading15006_b05633-f3\"]{padding-left:var(--global-kb-spacing-xs, 1rem);margin-left:var(--global-kb-spacing-xs, 1rem);font-style:normal;border-left:2px solid #08a102;}.wp-block-kadence-advancedheading.kt-adv-heading15006_b05633-f3 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading15006_b05633-f3[data-kb-block=\"kb-adv-heading15006_b05633-f3\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading15006_b05633-f3 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading15006_b05633-f3[data-kb-block=\"kb-adv-heading15006_b05633-f3\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading15006_b05633-f3, .wp-block-kadence-advancedheading.kt-adv-heading15006_b05633-f3[data-kb-block=\"kb-adv-heading15006_b05633-f3\"]{border-left:2px solid #08a102;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading15006_b05633-f3, .wp-block-kadence-advancedheading.kt-adv-heading15006_b05633-f3[data-kb-block=\"kb-adv-heading15006_b05633-f3\"]{border-left:2px solid #08a102;}}<\/style>\n<p class=\"kt-adv-heading15006_b05633-f3 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading15006_b05633-f3\">Il est aussi important de comprendre en quoi les GRSP diff\u00e8rent des <a href=\"https:\/\/www.canada.ca\/fr\/agence-revenu\/services\/impot\/particuliers\/sujets\/reer-regimes-connexes\/regime-enregistre-epargne-retraite-reer.html\" data-type=\"link\" data-id=\"https:\/\/www.canada.ca\/fr\/agence-revenu\/services\/impot\/particuliers\/sujets\/reer-regimes-connexes\/regime-enregistre-epargne-retraite-reer.html\" target=\"_blank\" rel=\"noopener\">REER<\/a> traditionnels. Bien que les deux soient des v\u00e9hicules d\u2019\u00e9pargne enregistr\u00e9s selon la loi canadienne, les GRSP sont parrain\u00e9s par l\u2019employeur, ce qui les rend plus faciles \u00e0 mettre en place et souvent plus rentables. Lorsque les employ\u00e9s quittent une entreprise, ils peuvent g\u00e9n\u00e9ralement transf\u00e9rer leurs \u00e9conomies dans un REER personnel, afin que l\u2019investissement ne disparaisse pas.  <\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<h4 class=\"wp-block-heading\" id=\"deferred-profit-sharing-plan-dpsp\">R\u00e9gime de partage diff\u00e9r\u00e9 des b\u00e9n\u00e9fices (DPSP)<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Le <span style=\"text-decoration: underline;\">R\u00e9gime de participation diff\u00e9r\u00e9e aux b\u00e9n\u00e9fices (RPDB)<\/span> permet \u00e0 l\u2019employeur de partager une partie des profits avec les employ\u00e9s sous forme de cotisations \u00e0 leur compte de retraite. C\u2019est un excellent compl\u00e9ment au REER collectif puisqu\u2019il r\u00e9compense la performance tout en soutenant l\u2019\u00e9pargne \u00e0 long terme.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Caract\u00e9ristiques principales :<\/strong><\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items15006_7cc950-d0:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15006_7cc950-d0 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;padding-left:var(--global-kb-spacing-xs, 1rem);}.wp-block-kadence-iconlist.kt-svg-icon-list-items15006_7cc950-d0 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15006_7cc950-d0 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items15006_7cc950-d0 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items15006_7cc950-d0 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-15006_e904bf-8c .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15006_e904bf-8c\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_cornerDownRight kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"15 10 20 15 15 20\"\/><path d=\"M4 4v7a4 4 0 0 0 4 4h12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Contributions uniquement de l\u2019employeur :<\/strong> Les employ\u00e9s ne peuvent pas contribuer, mais ils en b\u00e9n\u00e9ficient quand m\u00eame.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15006_ac27e5-f1 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15006_ac27e5-f1\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_cornerDownRight kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"15 10 20 15 15 20\"\/><path d=\"M4 4v7a4 4 0 0 0 4 4h12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Croissance \u00e0 imposition diff\u00e9r\u00e9e :<\/strong> C\u2019est similaire aux REER.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15006_89b6c3-ed .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15006_89b6c3-ed\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_cornerDownRight kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"15 10 20 15 15 20\"\/><path d=\"M4 4v7a4 4 0 0 0 4 4h12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Favorable \u00e0 la r\u00e9tention :<\/strong> Les fonds sont g\u00e9n\u00e9ralement acquis apr\u00e8s deux ans, ce qui encourage le personnel \u00e0 rester.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">De nombreuses entreprises combinent un REER collectif et un RPDB pour \u00e9quilibrer la propri\u00e9t\u00e9 individuelle et la flexibilit\u00e9 de l\u2019employeur. Ensemble, ils forment la base d\u2019un programme d\u2019\u00e9pargne retraite collective moderne : structur\u00e9, simple et \u00e9volutif.<\/p>\n\n\n<style>.kb-image15006_f5a8fd-fe .kb-image-has-overlay:after{opacity:0.3;}<\/style>\n<figure class=\"wp-block-kadence-image kb-image15006_f5a8fd-fe size-large\"><img decoding=\"async\" width=\"1024\" height=\"684\" src=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/10\/employees-discussing-group-savings-options-1-1024x684.webp\" alt=\"\" class=\"kb-img wp-image-14821\" srcset=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/10\/employees-discussing-group-savings-options-1-1024x684.webp 1024w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/10\/employees-discussing-group-savings-options-1-300x200.webp 300w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/10\/employees-discussing-group-savings-options-1-768x513.webp 768w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/10\/employees-discussing-group-savings-options-1-1536x1025.webp 1536w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/10\/employees-discussing-group-savings-options-1.webp 2000w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"complementary-savings-programs\">Programmes d\u2019\u00e9pargne compl\u00e9mentaires<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Une fois votre base \u00e9tablie avec un REER collectif et\/ou un RPDB, vous pouvez renforcer votre offre en ajoutant des programmes d\u2019\u00e9pargne compl\u00e9mentaires. Ces comptes visent souvent des objectifs \u00e0 plus court terme, mais s\u2019int\u00e8grent parfaitement \u00e0 une strat\u00e9gie d\u2019\u00e9pargne retraite collective.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ils compl\u00e8tent ainsi un \u00e9cosyst\u00e8me d\u2019avantages \u00e9quilibr\u00e9 : l\u2019\u00e9pargne retraite pour le long terme et des outils flexibles pour les \u00e9tapes importantes de la vie.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"1-tax-free-savings-account-tfsa\">1. Compte d\u2019\u00e9pargne libre d\u2019imp\u00f4t (CELI)<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Le <strong>CELI<\/strong> permet aux employ\u00e9s de g\u00e9n\u00e9rer un revenu de placement et de retirer leurs fonds sans imp\u00f4t. Les employeurs peuvent offrir des CELI avec retenues sur la paie pour simplifier l\u2019\u00e9pargne r\u00e9guli\u00e8re.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Combin\u00e9 \u00e0 l\u2019\u00e9pargne retraite collective, le CELI aide les employ\u00e9s \u00e0 concilier objectifs \u00e0 long terme et besoins \u00e0 court terme (\u00e9pargne d\u2019urgence, \u00e9tudes, etc.).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><strong>Pourquoi \u00e7a s\u2019int\u00e8gre<\/strong> :<\/strong><\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items15006_93bc36-15:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15006_93bc36-15 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;padding-left:var(--global-kb-spacing-xs, 1rem);}.wp-block-kadence-iconlist.kt-svg-icon-list-items15006_93bc36-15 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15006_93bc36-15 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items15006_93bc36-15 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items15006_93bc36-15 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-15006_863fa1-53 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15006_863fa1-53\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_cornerDownRight kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"15 10 20 15 15 20\"\/><path d=\"M4 4v7a4 4 0 0 0 4 4h12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Croissance et retraits non imposables<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15006_72ae1c-db .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15006_72ae1c-db\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_cornerDownRight kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"15 10 20 15 15 20\"\/><path d=\"M4 4v7a4 4 0 0 0 4 4h12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Fonctionne bien pour les employ\u00e9s qui ont besoin de liquidit\u00e9s en plus de la planification de la retraite.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15006_96c217-59 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15006_96c217-59\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_cornerDownRight kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"15 10 20 15 15 20\"\/><path d=\"M4 4v7a4 4 0 0 0 4 4h12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Compl\u00e8te les REER en couvrant les objectifs \u00e0 court et moyen terme.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"2-first-home-savings-account-fhsa\">2. Compte d\u2019\u00e9pargne libre d\u2019imp\u00f4t pour l\u2019achat d\u2019une premi\u00e8re propri\u00e9t\u00e9 (CELIAPP)<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Le <strong>CELIAPP<\/strong> aide les Canadiens \u00e0 \u00e9pargner pour une mise de fonds sur leur premi\u00e8re maison, tout en profitant d\u2019avantages fiscaux. Il combine les atouts du REER (cotisations d\u00e9ductibles) et du CELI (retraits libres d\u2019imp\u00f4t).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Offert aux c\u00f4t\u00e9s d\u2019un r\u00e9gime d\u2019\u00e9pargne retraite collective, il permet aux jeunes employ\u00e9s d\u2019atteindre deux grands objectifs : devenir propri\u00e9taires et pr\u00e9parer leur retraite.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pourquoi \u00e7a s\u2019int\u00e8gre :<\/strong><\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items15006_aa7815-13:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15006_aa7815-13 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;padding-left:var(--global-kb-spacing-xs, 1rem);}.wp-block-kadence-iconlist.kt-svg-icon-list-items15006_aa7815-13 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15006_aa7815-13 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items15006_aa7815-13 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items15006_aa7815-13 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-15006_d39743-07 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15006_d39743-07\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_cornerDownRight kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"15 10 20 15 15 20\"\/><path d=\"M4 4v7a4 4 0 0 0 4 4h12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Encourage la planification financi\u00e8re pr\u00e9coce chez les jeunes employ\u00e9s.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15006_2d2c94-26 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15006_2d2c94-26\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_cornerDownRight kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"15 10 20 15 15 20\"\/><path d=\"M4 4v7a4 4 0 0 0 4 4h12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Cr\u00e9e une stabilit\u00e9 \u00e0 long terme en soutenant \u00e0 la fois les objectifs de logement et de retraite.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15006_35210e-70 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15006_35210e-70\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_cornerDownRight kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"15 10 20 15 15 20\"\/><path d=\"M4 4v7a4 4 0 0 0 4 4h12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">S\u2019int\u00e8gre naturellement dans les m\u00eames syst\u00e8mes de paie et de cotisations utilis\u00e9s pour les REER collectifs.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"3-employee-share-plans-and-espps\">3. R\u00e9gimes d\u2019achat d\u2019actions et options d\u2019achat d\u2019actions (REPAE, ou ESPP)<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Les <strong>plans d\u2019achat d\u2019actions des employ\u00e9s (ESPP)<\/strong> permettent aux employ\u00e9s d\u2019investir dans leur propre entreprise, souvent \u00e0 prix r\u00e9duit. Bien qu\u2019ils visent davantage la croissance du patrimoine que la retraite, ils s\u2019harmonisent avec la m\u00eame vision \u00e0 long terme que l\u2019\u00e9pargne retraite collective.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Lorsqu\u2019ils sont coordonn\u00e9s avec votre REER ou RPD existant, les PPE peuvent aider les employ\u00e9s \u00e0 diversifier leur croissance financi\u00e8re et \u00e0 se sentir plus connect\u00e9s au succ\u00e8s de l\u2019organisation.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pourquoi \u00e7a s\u2019int\u00e8gre :<\/strong><\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items15006_c1356a-d0:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15006_c1356a-d0 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;padding-left:var(--global-kb-spacing-xs, 1rem);}.wp-block-kadence-iconlist.kt-svg-icon-list-items15006_c1356a-d0 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15006_c1356a-d0 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items15006_c1356a-d0 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items15006_c1356a-d0 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-15006_7b687a-af .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15006_7b687a-af\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_cornerDownRight kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"15 10 20 15 15 20\"\/><path d=\"M4 4v7a4 4 0 0 0 4 4h12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Cela favorise l\u2019engagement et la loyaut\u00e9 gr\u00e2ce \u00e0 un investissement partag\u00e9.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15006_2d439e-5b .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15006_2d439e-5b\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_cornerDownRight kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"15 10 20 15 15 20\"\/><path d=\"M4 4v7a4 4 0 0 0 4 4h12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Soutient la croissance financi\u00e8re au-del\u00e0 des v\u00e9hicules d\u2019\u00e9pargne traditionnels.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15006_b476c0-15 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15006_b476c0-15\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_cornerDownRight kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"15 10 20 15 15 20\"\/><path d=\"M4 4v7a4 4 0 0 0 4 4h12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Fonctionne mieux dans le cadre d\u2019un r\u00e9gime d\u2019avantages sociaux global qui inclut aussi des r\u00e9gimes de retraite structur\u00e9s.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"comparing-combining-group-savings\">Comparer et combiner les r\u00e9gimes d\u2019\u00e9pargne collective<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Un bon programme d\u2019\u00e9pargne ne s\u00e9pare pas la retraite du reste des objectifs financiers : il les int\u00e8gre intelligemment. Combiner l\u2019\u00e9pargne retraite collective avec des outils compl\u00e9mentaires comme le <strong>CELI<\/strong>, le <strong>CELIAPP<\/strong> ou les <strong>r\u00e9gimes d\u2019achat d\u2019actions (REPAE)<\/strong> permet aux employ\u00e9s de b\u00e2tir leur patrimoine \u00e0 chaque \u00e9tape de la vie, tout en gardant les cotisations simples et automatis\u00e9es via la paie.<\/p>\n\n\n\n<figure class=\"wp-block-table alignfull is-style-stripes\" style=\"padding-bottom:var(--wp--preset--spacing--30)\"><table class=\"has-theme-palette-8-background-color has-background\" style=\"border-width:2px\"><thead><tr><th><strong>Type de programme<\/strong><\/th><th><strong>Objectif principal<\/strong><\/th><th><strong>Contribution Source<\/strong><\/th><th><strong>Id\u00e9al pour<\/strong><\/th><\/tr><\/thead><tbody><tr><td><strong>REER collectif<\/strong><\/td><td>\u00c9conomies de base pour la retraite<\/td><td>Employeur + Employ\u00e9<\/td><td>S\u00e9curit\u00e9 financi\u00e8re \u00e0 long terme<\/td><\/tr><tr><td><strong>RPDB<\/strong><\/td><td>R\u00e9compense de partage des b\u00e9n\u00e9fices<\/td><td>Employeur seulement<\/td><td>Incitatifs \u00e0 la r\u00e9tention et \u00e0 la performance<\/td><\/tr><tr><td><strong>CELI<\/strong><\/td><td>\u00c9conomies flexibles et non imposables<\/td><td>Employ\u00e9<\/td><td>Objectifs \u00e0 court et moyen terme<\/td><\/tr><tr><td><strong><strong>CELI<\/strong>APP<\/strong><\/td><td>\u00c9conomies sur la propri\u00e9t\u00e9 immobili\u00e8re<\/td><td>Employ\u00e9<\/td><td>Les jeunes travailleurs ach\u00e8tent leur premi\u00e8re maison<\/td><\/tr><tr><td><strong>REPAE\/ESPP<\/strong><\/td><td>Propri\u00e9t\u00e9 et investissement des employ\u00e9s<\/td><td>Employ\u00e9<\/td><td>Engagement et cr\u00e9ation de richesse<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"best-combinations-of-group-retirement-savings\">Meilleures combinaisons d\u2019\u00e9pargne-retraite collective<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">En combinant ces programmes de fa\u00e7on strat\u00e9gique, vous cr\u00e9ez une structure d\u2019\u00e9pargne-retraite collective qui va au-del\u00e0 de la conformit\u00e9 \u2014 elle renforce la loyaut\u00e9, la confiance financi\u00e8re et une culture globale des avantages sociaux plus solide.<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items15006_15a897-a1:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15006_15a897-a1 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;column-gap:63px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15006_15a897-a1 ul.kt-svg-icon-list{grid-row-gap:23px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15006_15a897-a1 .kb-svg-icon-wrap{color:var(--global-palette2, #2B6CB0);}.wp-block-kadence-iconlist.kt-svg-icon-list-items15006_15a897-a1 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items15006_15a897-a1 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap, .kt-svg-icon-list-items15006_15a897-a1 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap a{line-height:30px;}.kt-svg-icon-list-items15006_15a897-a1 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}@media all and (min-width: 1025px){.wp-block-kadence-iconlist.kt-svg-icon-list-items15006_15a897-a1:not(.kt-svg-icon-list-columns-1) ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap:not(:last-child){margin:0px;}}@media all and (min-width: 768px) and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-items15006_15a897-a1:not(.kt-tablet-svg-icon-list-columns-1) ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap:not(:last-child){margin:0px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-items15006_15a897-a1:not(.kt-mobile-svg-icon-list-columns-1) ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap:not(:last-child){margin:0px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items15006_15a897-a1 kt-svg-icon-list-columns-2 alignnone kt-list-icon-aligntop\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-15006_268c85-08 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15006_268c85-08\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_cornerDownRight kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"15 10 20 15 15 20\"\/><path d=\"M4 4v7a4 4 0 0 0 4 4h12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-theme-palette-2-color\">Sc\u00e9nario 1 : Petite entreprise, budget limit\u00e9<\/mark><\/strong><br><strong>Formule :<\/strong> REER collectif avec retenues sur la paie + RPDB avec courte p\u00e9riode d\u2019acquisition<br><strong>Pourquoi \u00e7a fonctionne :<\/strong> Facile \u00e0 g\u00e9rer, offre une base d\u2019\u00e9pargne solide et r\u00e9compense la loyaut\u00e9 \u00e0 faible co\u00fbt.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15006_ef0815-1b .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15006_ef0815-1b\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_cornerDownRight kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"15 10 20 15 15 20\"\/><path d=\"M4 4v7a4 4 0 0 0 4 4h12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-theme-palette-2-color\">Sc\u00e9nario 2 : Entreprise en croissance, ax\u00e9e sur la r\u00e9tention<\/mark><\/strong><br><strong>Formule :<\/strong> REER collectif avec cotisation \u00e9quivalente de l\u2019employeur + RPDB + CELI optionnel<br><strong>Pourquoi \u00e7a fonctionne :<\/strong> Le jumelage attire les employ\u00e9s, le RPDB favorise la r\u00e9tention, le CELI offre de la flexibilit\u00e9.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15006_933ced-8a .kt-svg-icon-list-single{color:var(--global-palette1, #3182CE) !important;}.kt-svg-icon-list-item-15006_933ced-8a .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15006_933ced-8a\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_cornerDownRight kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"15 10 20 15 15 20\"\/><path d=\"M4 4v7a4 4 0 0 0 4 4h12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-theme-palette-2-color\">Sc\u00e9nario 3 : Main-d\u2019\u0153uvre plus jeune, \u00e9tapes importantes de la vie<\/mark><\/strong><br><strong>Formule :<\/strong> REER collectif + CELIAPP pour l\u2019achat d\u2019une maison + CELI pour les urgences<br><strong>Pourquoi \u00e7a fonctionne :<\/strong> \u00c9quilibre entre objectifs \u00e0 court terme et \u00e9pargne \u00e0 long terme.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15006_10aa39-51 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15006_10aa39-51\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_cornerDownRight kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"15 10 20 15 15 20\"\/><path d=\"M4 4v7a4 4 0 0 0 4 4h12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-theme-palette-2-color\">Sc\u00e9nario 4 : Main-d\u2019\u0153uvre mature, presque \u00e0 la retraite<\/mark><\/strong><br><strong>Formule :<\/strong> REER collectif avec cotisation accrue + RPDB + CELI optionnel<br><strong>Pourquoi \u00e7a fonctionne :<\/strong> Maximisation des cotisations avant la retraite, flexibilit\u00e9 et croissance non imposable.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15006_54acf0-e4 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15006_54acf0-e4\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_cornerDownRight kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"15 10 20 15 15 20\"\/><path d=\"M4 4v7a4 4 0 0 0 4 4h12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-theme-palette-2-color\">Sc\u00e9nario 5 : Entreprises ax\u00e9es sur la propri\u00e9t\u00e9 et l\u2019engagement<\/mark><\/strong><br><strong>Formule :<\/strong> REER collectif + RPDB + REPAE ou options d\u2019achat d\u2019actions<br><strong>Pourquoi \u00e7a fonctionne :<\/strong> Lie l\u2019\u00e9pargne, la fid\u00e9lit\u00e9 et l\u2019investissement direct dans l\u2019entreprise.<\/span><\/li>\n<\/ul><\/div>\n\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id15006_1d3731-bc{margin-top:var(--global-kb-spacing-sm, 1.5rem);margin-bottom:var(--global-kb-spacing-sm, 1.5rem);}.kb-row-layout-id15006_1d3731-bc > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id15006_1d3731-bc > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id15006_1d3731-bc > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:minmax(0, calc(60% - ((var(--global-kb-gap-none, 0rem ) * 1 )\/2)))minmax(0, calc(40% - ((var(--global-kb-gap-none, 0rem ) * 1 )\/2)));}.kb-row-layout-id15006_1d3731-bc{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;overflow:clip;isolation:isolate;}.kb-row-layout-id15006_1d3731-bc > .kt-row-layout-overlay{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;}.kb-row-layout-id15006_1d3731-bc > .kt-row-layout-overlay{opacity:0.17;background:linear-gradient(90deg,var(--global-palette2) 3%,var(--global-palette6,#f2f0e8) 100%);}@media all and (max-width: 1024px){.kb-row-layout-id15006_1d3731-bc > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-md, 2rem);grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id15006_1d3731-bc > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id15006_1d3731-bc alignnone has-theme-palette8-background-color kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-layout-overlay kt-row-overlay-gradient\"><\/div><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-left-golden kt-tab-layout-row kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column15006_c6f622-4e > .kt-inside-inner-col,.kadence-column15006_c6f622-4e > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column15006_c6f622-4e > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column15006_c6f622-4e > .kt-inside-inner-col{flex-direction:column;}.kadence-column15006_c6f622-4e > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column15006_c6f622-4e > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column15006_c6f622-4e{position:relative;}@media all and (max-width: 1024px){.kadence-column15006_c6f622-4e > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column15006_c6f622-4e > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column15006_c6f622-4e\"><div class=\"kt-inside-inner-col\"><style>.kadence-column15006_2e36aa-23 > .kt-inside-inner-col{display:flex;}#wrapper.site{overflow:clip;}.kadence-column15006_2e36aa-23{--kb-section-setting-offset:90px;}.kadence-column15006_2e36aa-23 > .kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kadence-column15006_2e36aa-23 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column15006_2e36aa-23 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column15006_2e36aa-23 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column15006_2e36aa-23{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15006_2e36aa-23{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15006_2e36aa-23 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column15006_2e36aa-23 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column15006_2e36aa-23{text-align:left;}.kadence-column15006_2e36aa-23{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column15006_2e36aa-23{align-self:flex-start;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15006_2e36aa-23{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15006_2e36aa-23 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 1024px){.kadence-column15006_2e36aa-23 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column15006_2e36aa-23{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15006_2e36aa-23{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15006_2e36aa-23 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column15006_2e36aa-23 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column15006_2e36aa-23 kb-section-is-sticky kb-section-dir-vertical o-sticky o-sticky-scope-main-area o-sticky-pos-top o-sticky-bhvr-keep\" data-aos=\"fade-right\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading15006_87d855-9a, .wp-block-kadence-advancedheading.kt-adv-heading15006_87d855-9a[data-kb-block=\"kb-adv-heading15006_87d855-9a\"]{font-size:var(--global-kb-font-size-lg, 2rem);font-style:normal;font-family:var( --global-heading-font-family, inherit );}.wp-block-kadence-advancedheading.kt-adv-heading15006_87d855-9a mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading15006_87d855-9a[data-kb-block=\"kb-adv-heading15006_87d855-9a\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading15006_87d855-9a img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading15006_87d855-9a[data-kb-block=\"kb-adv-heading15006_87d855-9a\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading15006_87d855-9a, .wp-block-kadence-advancedheading.kt-adv-heading15006_87d855-9a[data-kb-block=\"kb-adv-heading15006_87d855-9a\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading15006_87d855-9a, .wp-block-kadence-advancedheading.kt-adv-heading15006_87d855-9a[data-kb-block=\"kb-adv-heading15006_87d855-9a\"]{text-align:center!important;}}<\/style>\n<h4 class=\"kt-adv-heading15006_87d855-9a wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading15006_87d855-9a\">Vous voulez savoir comment combiner vos r\u00e9gimes ?<\/h4>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading15006_c4ea5d-00, .wp-block-kadence-advancedheading.kt-adv-heading15006_c4ea5d-00[data-kb-block=\"kb-adv-heading15006_c4ea5d-00\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading15006_c4ea5d-00 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading15006_c4ea5d-00[data-kb-block=\"kb-adv-heading15006_c4ea5d-00\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading15006_c4ea5d-00 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading15006_c4ea5d-00[data-kb-block=\"kb-adv-heading15006_c4ea5d-00\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading15006_c4ea5d-00, .wp-block-kadence-advancedheading.kt-adv-heading15006_c4ea5d-00[data-kb-block=\"kb-adv-heading15006_c4ea5d-00\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading15006_c4ea5d-00, .wp-block-kadence-advancedheading.kt-adv-heading15006_c4ea5d-00[data-kb-block=\"kb-adv-heading15006_c4ea5d-00\"]{text-align:center!important;}}<\/style>\n<p class=\"kt-adv-heading15006_c4ea5d-00 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading15006_c4ea5d-00\">Notre \u00e9quipe aide les employeurs \u00e0 b\u00e2tir des strat\u00e9gies d\u2019\u00e9pargne retraite collective claires, conformes et rentables. <strong>Planifiez une consultation<\/strong> pour simplifier la conception de votre programme et renforcer vos avantages sociaux.<\/p>\n<\/div><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column15006_297916-8b > .kt-inside-inner-col{display:flex;}.kadence-column15006_297916-8b > .kt-inside-inner-col,.kadence-column15006_297916-8b > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column15006_297916-8b > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column15006_297916-8b > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column15006_297916-8b > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column15006_297916-8b{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15006_297916-8b{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15006_297916-8b > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column15006_297916-8b > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column15006_297916-8b{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column15006_297916-8b{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15006_297916-8b{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15006_297916-8b > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column15006_297916-8b > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column15006_297916-8b{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15006_297916-8b{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15006_297916-8b > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column15006_297916-8b > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column15006_297916-8b\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading15006_2388b7-a7, .wp-block-kadence-advancedheading.kt-adv-heading15006_2388b7-a7[data-kb-block=\"kb-adv-heading15006_2388b7-a7\"]{margin-bottom:var(--global-kb-spacing-xs, 1rem);text-align:center;font-size:var(--global-kb-font-size-md, 1.25rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading15006_2388b7-a7[data-kb-block=\"kb-adv-heading15006_2388b7-a7\"]{display:flex;gap:0.25em;justify-content:center;align-items:center;}.wp-block-kadence-advancedheading.kt-adv-heading15006_2388b7-a7[data-kb-block=\"kb-adv-heading15006_2388b7-a7\"] .kb-adv-heading-icon svg{width:1em;height:1em;}.wp-block-kadence-advancedheading.kt-adv-heading15006_2388b7-a7[data-kb-block=\"kb-adv-heading15006_2388b7-a7\"] .kb-adv-heading-icon{color:var(--global-palette1, #3182CE);}.wp-block-kadence-advancedheading.kt-adv-heading15006_2388b7-a7 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading15006_2388b7-a7[data-kb-block=\"kb-adv-heading15006_2388b7-a7\"] mark.kt-highlight{font-style:normal;color:var(--global-palette6, #718096);-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading15006_2388b7-a7 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading15006_2388b7-a7[data-kb-block=\"kb-adv-heading15006_2388b7-a7\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading15006_2388b7-a7, .wp-block-kadence-advancedheading.kt-adv-heading15006_2388b7-a7[data-kb-block=\"kb-adv-heading15006_2388b7-a7\"]{text-align:center!important;}}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading15006_2388b7-a7[data-kb-block=\"kb-adv-heading15006_2388b7-a7\"]{justify-content:center;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading15006_2388b7-a7, .wp-block-kadence-advancedheading.kt-adv-heading15006_2388b7-a7[data-kb-block=\"kb-adv-heading15006_2388b7-a7\"]{padding-bottom:0px;text-align:center!important;}.wp-block-kadence-advancedheading.kt-adv-heading15006_2388b7-a7[data-kb-block=\"kb-adv-heading15006_2388b7-a7\"]{justify-content:center;}}<\/style><p class=\"kt-adv-heading15006_2388b7-a7 wp-block-kadence-advancedheading kt-adv-heading-has-icon\" data-kb-block=\"kb-adv-heading15006_2388b7-a7\"><span class=\"kb-svg-icon-wrap kb-adv-heading-icon kb-svg-icon-fas_phone-square kb-adv-heading-icon-side-left\"><svg viewBox=\"0 0 448 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M400 32H48C21.49 32 0 53.49 0 80v352c0 26.51 21.49 48 48 48h352c26.51 0 48-21.49 48-48V80c0-26.51-21.49-48-48-48zM94 416c-7.033 0-13.057-4.873-14.616-11.627l-14.998-65a15 15 0 0 1 8.707-17.16l69.998-29.999a15 15 0 0 1 17.518 4.289l30.997 37.885c48.944-22.963 88.297-62.858 110.781-110.78l-37.886-30.997a15.001 15.001 0 0 1-4.289-17.518l30-69.998a15 15 0 0 1 17.16-8.707l65 14.998A14.997 14.997 0 0 1 384 126c0 160.292-129.945 290-290 290z\"\/><\/svg><\/span><span class=\"kb-adv-text-inner\"><a href=\"tel:1-866-760-3993\" data-type=\"tel\" data-id=\"tel:1-866-760-3993\"><mark class=\"kt-highlight\">Appelez-nous une estimation gratuite <\/mark><\/a><\/span><\/p>\n\n<style>.wp-block-kadence-advancedbtn.kb-btns15006_df28b2-0d{gap:var(--global-kb-gap-xs, 0.5rem );justify-content:center;align-items:center;}.kt-btns15006_df28b2-0d .kt-button{font-weight:normal;font-style:normal;}.kt-btns15006_df28b2-0d .kt-btn-wrap-0{margin-right:5px;}.wp-block-kadence-advancedbtn.kt-btns15006_df28b2-0d .kt-btn-wrap-0 .kt-button{color:#555555;border-color:#555555;}.wp-block-kadence-advancedbtn.kt-btns15006_df28b2-0d .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns15006_df28b2-0d .kt-btn-wrap-0 .kt-button:focus{color:#ffffff;border-color:#444444;}.wp-block-kadence-advancedbtn.kt-btns15006_df28b2-0d .kt-btn-wrap-0 .kt-button::before{display:none;}.wp-block-kadence-advancedbtn.kt-btns15006_df28b2-0d .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns15006_df28b2-0d .kt-btn-wrap-0 .kt-button:focus{background:#444444;}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn.kb-btns15006_df28b2-0d{justify-content:center;}}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn.kb-btns15006_df28b2-0d{justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-advancedbtn kb-buttons-wrap kb-btns15006_df28b2-0d\"><style>ul.menu .wp-block-kadence-advancedbtn .kb-btn15006_5410b9-64.kb-button{width:initial;}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn .kb-btn15006_5410b9-64.kb-button{font-size:var(--global-kb-font-size-sm, 0.9rem);}}<\/style><a class=\"kb-button kt-button button kb-btn15006_5410b9-64 kt-btn-size-standard kt-btn-width-type-auto kb-btn-global-inherit kt-btn-has-text-true kt-btn-has-svg-true wp-block-button__link wp-block-kadence-singlebtn\" href=\"https:\/\/twinn.ca\/fr\/contact\/\"><span class=\"kt-btn-inner-text\">Contacter Maintenant<\/span><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_arrowRightCircle kt-btn-icon-side-right\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><polyline points=\"12 16 16 12 12 8\"\/><line x1=\"8\" y1=\"12\" x2=\"16\" y2=\"12\"\/><\/svg><\/span><\/a><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-image15006_c7b103-a3 .kb-image-has-overlay:after{opacity:0.3;}<\/style>\n<figure class=\"wp-block-kadence-image kb-image15006_c7b103-a3 size-full\"><img decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/10\/corporate-team-working-with-benefits-advisor-to-choose-group-savings-plan.webp\" alt=\"\" class=\"kb-img wp-image-14823\" srcset=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/10\/corporate-team-working-with-benefits-advisor-to-choose-group-savings-plan.webp 1000w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/10\/corporate-team-working-with-benefits-advisor-to-choose-group-savings-plan-300x200.webp 300w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/10\/corporate-team-working-with-benefits-advisor-to-choose-group-savings-plan-768x512.webp 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"partnering-with-experts-to-build-smarter-retirement-strategies\">Collaborer avec des experts pour b\u00e2tir une strat\u00e9gie plus solide<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Concevoir un r\u00e9gime d\u2019\u00e9pargne retraite collective coh\u00e9rent peut rapidement devenir complexe, surtout lorsqu\u2019on combine plusieurs v\u00e9hicules ou qu\u2019on g\u00e8re du personnel dans plusieurs provinces. Entre les r\u00e8gles de conformit\u00e9, les plafonds de cotisation et la communication aux employ\u00e9s, m\u00eame les \u00e9quipes RH exp\u00e9riment\u00e9es peuvent s\u2019y perdre. C\u2019est l\u00e0 qu\u2019un <strong>conseiller en avantages sociaux<\/strong> devient un alli\u00e9 pr\u00e9cieux.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ce qu\u2019un conseiller peut apporter \u00e0 votre strat\u00e9gie :<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items15006_17a90e-81:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15006_17a90e-81 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;padding-left:var(--global-kb-spacing-xs, 1rem);}.wp-block-kadence-iconlist.kt-svg-icon-list-items15006_17a90e-81 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15006_17a90e-81 .kb-svg-icon-wrap{color:var(--global-palette2, #2B6CB0);}.wp-block-kadence-iconlist.kt-svg-icon-list-items15006_17a90e-81 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items15006_17a90e-81 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items15006_17a90e-81 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-15006_265c04-c4 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15006_265c04-c4\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkSquare kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"9 11 12 14 22 4\"\/><path d=\"M21 12v7a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2V5a2 2 0 0 1 2-2h11\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Conception du plan :<\/strong> D\u00e9terminez si un REER collectif, un RPDB ou un mod\u00e8le hybride correspond \u00e0 vos objectifs.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15006_3c97a9-81 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15006_3c97a9-81\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkSquare kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"9 11 12 14 22 4\"\/><path d=\"M21 12v7a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2V5a2 2 0 0 1 2-2h11\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Strat\u00e9gie de contribution :<\/strong> \u00c9quilibrez la contrepartie employeur, les primes de performance et les limites budg\u00e9taires.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15006_77c831-9a .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15006_77c831-9a\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkSquare kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"9 11 12 14 22 4\"\/><path d=\"M21 12v7a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2V5a2 2 0 0 1 2-2h11\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Gestion de la conformit\u00e9 :<\/strong> Naviguez \u00e0 travers les r\u00e8glements de l\u2019ARC et les exigences provinciales sans tracasser.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15006_861348-5a .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15006_861348-5a\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkSquare kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"9 11 12 14 22 4\"\/><path d=\"M21 12v7a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2V5a2 2 0 0 1 2-2h11\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Optimisation continue :<\/strong> Ajustez votre plan au fur et \u00e0 mesure que votre main-d\u2019\u0153uvre \u00e9volue.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15006_97ad5f-80 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15006_97ad5f-80\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkSquare kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"9 11 12 14 22 4\"\/><path d=\"M21 12v7a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2V5a2 2 0 0 1 2-2h11\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>\u00c9ducation des employ\u00e9s :<\/strong> S\u2019assurer que chacun comprend et utilise pleinement ses avantages.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Avec TWINN, vous obtenez plus qu\u2019un plan d\u2019\u00e9pargne, vous obtenez un partenaire qui transforme la conformit\u00e9 en un avantage concurrentiel et renforce la fid\u00e9lit\u00e9 des employ\u00e9s. En savoir plus sur nos <a href=\"https:\/\/twinn.ca\/fr\/services\/regime-retraite-collectif\/\" data-type=\"link\" data-id=\"https:\/\/twinn.ca\/services\/group-retirement-plan-pension\/\">services de r\u00e9gimes collectifs de retraite et d\u2019\u00e9pargne.<\/a> <\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading15006_68f7c9-da, .wp-block-kadence-advancedheading.kt-adv-heading15006_68f7c9-da[data-kb-block=\"kb-adv-heading15006_68f7c9-da\"]{margin-bottom:var(--global-kb-spacing-xxs, 0.5rem);font-size:var(--global-kb-font-size-xl, 3rem);line-height:1.2;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading15006_68f7c9-da mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading15006_68f7c9-da[data-kb-block=\"kb-adv-heading15006_68f7c9-da\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading15006_68f7c9-da img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading15006_68f7c9-da[data-kb-block=\"kb-adv-heading15006_68f7c9-da\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading15006_68f7c9-da wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading15006_68f7c9-da\">Vous avez des questions? Nous avons les r\u00e9ponses. <\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Encore quelques doutes? <\/em>Voici des r\u00e9ponses rapides aux pr\u00e9occupations les plus fr\u00e9quentes des employeurs et des employ\u00e9s.<\/p>\n\n\n<style>.kb-row-layout-id15006_85bb88-fb > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id15006_85bb88-fb > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id15006_85bb88-fb > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-none, 0rem );padding-top:0px;padding-bottom:0px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id15006_85bb88-fb > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id15006_85bb88-fb > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id15006_85bb88-fb > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id15006_85bb88-fb alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column15006_7a273f-c3 > .kt-inside-inner-col,.kadence-column15006_7a273f-c3 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column15006_7a273f-c3 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column15006_7a273f-c3 > .kt-inside-inner-col{flex-direction:column;}.kadence-column15006_7a273f-c3 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column15006_7a273f-c3 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column15006_7a273f-c3{position:relative;}@media all and (max-width: 1024px){.kadence-column15006_7a273f-c3 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column15006_7a273f-c3 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column15006_7a273f-c3 inner-column-1\"><div class=\"kt-inside-inner-col\">\n<div class=\"wp-block-wpsp-faq wpsp-faq__outer-wrap wpsp-block-c8a1b3c7 wpsp-faq-icon-row wpsp-faq-layout-accordion wpsp-faq-expand-first-false wpsp-faq-inactive-other-true wpsp-faq-equal-height\" data-faqtoggle=\"true\" role=\"tablist\"><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"@id\":\"https:\/\/twinn.ca\/fr\/epargne-retraite-collective\/\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"&lt;strong>Qui peut participer \u00e0 un r\u00e9gime d\u2019\u00e9pargne retraite collective ?&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"En g\u00e9n\u00e9ral, les employ\u00e9s \u00e0 temps plein sont admissibles. Certaines entreprises incluent aussi les employ\u00e9s \u00e0 temps partiel ou contractuels pour favoriser la r\u00e9tention.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong>Quelle est la diff\u00e9rence entre un REER collectif et un RPDB ?&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Le REER collectif regroupe des comptes individuels aliment\u00e9s par retenue sur la paie, avec possibilit\u00e9 de cotisation \u00e9quivalente de l\u2019employeur. Le RPDB, lui, est financ\u00e9 uniquement par l\u2019employeur et comporte souvent une p\u00e9riode d\u2019acquisition.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong>Peut-on transf\u00e9rer des fonds d\u2019un r\u00e9gime \u00e0 un autre ?&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui, dans plusieurs cas. Les transferts entre r\u00e9gimes enregistr\u00e9s (REER, RPDB, etc.) peuvent se faire sans incidence fiscale imm\u00e9diate, selon les r\u00e8gles du r\u00e9gime.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong>Comment rendre un programme de retraite plus attrayant ?&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Les meilleurs programmes combinent un REER collectif ou RPDB avec des outils flexibles comme le CELI, le CELIAPP ou le REPAE, et les accompagnent d\u2019une communication claire et de formations.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong>Que se passe-t-il lorsqu\u2019un employ\u00e9 quitte l\u2019entreprise ?&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Le REER collectif reste sa propri\u00e9t\u00e9. Pour le RPDB, l\u2019acc\u00e8s d\u00e9pend de la p\u00e9riode d\u2019acquisition : s\u2019il part avant d\u2019\u00eatre enti\u00e8rement acquis, il peut perdre une partie des cotisations patronales.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong>O\u00f9 les employ\u00e9s peuvent-ils obtenir de l\u2019aide ?&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"La plupart des institutions financi\u00e8res et administrateurs de r\u00e9gimes offrent des outils \u00e9ducatifs et des conseillers. Les employeurs peuvent aussi collaborer avec un consultant en avantages sociaux pour guider les employ\u00e9s.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong>Comment rendre un programme de retraite plus attrayant ?&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Les meilleurs programmes combinent un REER collectif ou RPDB avec des outils flexibles comme le CELI, le CELIAPP ou le REPAE, et les accompagnent d\u2019une communication claire et de formations.\"}}]}<\/script><div class=\"wpsp-faq__wrap wpsp-buttons-layout-wrap\">\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-b5ba2f97\"><div class=\"wpsp-faq-child__wrapper\"><div class=\"wpsp-faq-item\" role=\"tab\" tabindex=\"0\"><div class=\"wpsp-faq-questions-button wpsp-faq-questions\"><span class=\"wpsp-icon wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 320 512\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span><span class=\"wpsp-icon-active wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"wpsp-question\"><strong>Qui peut participer \u00e0 un r\u00e9gime d\u2019\u00e9pargne retraite collective ?<\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>En g\u00e9n\u00e9ral, les employ\u00e9s \u00e0 temps plein sont admissibles. Certaines entreprises incluent aussi les employ\u00e9s \u00e0 temps partiel ou contractuels pour favoriser la r\u00e9tention.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-15bc5860\"><div class=\"wpsp-faq-child__wrapper\"><div class=\"wpsp-faq-item\" role=\"tab\" tabindex=\"0\"><div class=\"wpsp-faq-questions-button wpsp-faq-questions\"><span class=\"wpsp-icon wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 320 512\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span><span class=\"wpsp-icon-active wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"wpsp-question\"><strong>Quelle est la diff\u00e9rence entre un REER collectif et un RPDB ?<\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Le REER collectif regroupe des comptes individuels aliment\u00e9s par retenue sur la paie, avec possibilit\u00e9 de cotisation \u00e9quivalente de l\u2019employeur. Le RPDB, lui, est financ\u00e9 uniquement par l\u2019employeur et comporte souvent une p\u00e9riode d\u2019acquisition.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-150e5fdc\"><div class=\"wpsp-faq-child__wrapper\"><div class=\"wpsp-faq-item\" role=\"tab\" tabindex=\"0\"><div class=\"wpsp-faq-questions-button wpsp-faq-questions\"><span class=\"wpsp-icon wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 320 512\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span><span class=\"wpsp-icon-active wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"wpsp-question\"><strong>Peut-on transf\u00e9rer des fonds d\u2019un r\u00e9gime \u00e0 un autre ?<\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Oui, dans plusieurs cas. Les transferts entre r\u00e9gimes enregistr\u00e9s (REER, RPDB, etc.) peuvent se faire sans incidence fiscale imm\u00e9diate, selon les r\u00e8gles du r\u00e9gime.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-5f5ee074\"><div class=\"wpsp-faq-child__wrapper\"><div class=\"wpsp-faq-item\" role=\"tab\" tabindex=\"0\"><div class=\"wpsp-faq-questions-button wpsp-faq-questions\"><span class=\"wpsp-icon wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 320 512\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span><span class=\"wpsp-icon-active wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"wpsp-question\"><strong>Comment rendre un programme de retraite plus attrayant ?<\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Les meilleurs programmes combinent un REER collectif ou RPDB avec des outils flexibles comme le CELI, le CELIAPP ou le REPAE, et les accompagnent d\u2019une communication claire et de formations.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-744388c0\"><div class=\"wpsp-faq-child__wrapper\"><div class=\"wpsp-faq-item\" role=\"tab\" tabindex=\"0\"><div class=\"wpsp-faq-questions-button wpsp-faq-questions\"><span class=\"wpsp-icon wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 320 512\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span><span class=\"wpsp-icon-active wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"wpsp-question\"><strong>Que se passe-t-il lorsqu\u2019un employ\u00e9 quitte l\u2019entreprise ?<\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Le REER collectif reste sa propri\u00e9t\u00e9. Pour le RPDB, l\u2019acc\u00e8s d\u00e9pend de la p\u00e9riode d\u2019acquisition : s\u2019il part avant d\u2019\u00eatre enti\u00e8rement acquis, il peut perdre une partie des cotisations patronales.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-116bee63\"><div class=\"wpsp-faq-child__wrapper\"><div class=\"wpsp-faq-item\" role=\"tab\" tabindex=\"0\"><div class=\"wpsp-faq-questions-button wpsp-faq-questions\"><span class=\"wpsp-icon wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 320 512\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span><span class=\"wpsp-icon-active wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"wpsp-question\"><strong>O\u00f9 les employ\u00e9s peuvent-ils obtenir de l\u2019aide ?<\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>La plupart des institutions financi\u00e8res et administrateurs de r\u00e9gimes offrent des outils \u00e9ducatifs et des conseillers. Les employeurs peuvent aussi collaborer avec un consultant en avantages sociaux pour guider les employ\u00e9s.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-e8cd0fb5\"><div class=\"wpsp-faq-child__wrapper\"><div class=\"wpsp-faq-item\" role=\"tab\" tabindex=\"0\"><div class=\"wpsp-faq-questions-button wpsp-faq-questions\"><span class=\"wpsp-icon wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 320 512\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span><span class=\"wpsp-icon-active wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"wpsp-question\"><strong>Comment rendre un programme de retraite plus attrayant ?<\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Les meilleurs programmes combinent un REER collectif ou RPDB avec des outils flexibles comme le CELI, le CELIAPP ou le REPAE, et les accompagnent d\u2019une communication claire et de formations.<\/p><\/span><\/div><\/div><\/div><\/div>\n<\/div><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"bottom-line\">En bref,<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">B\u00e2tir un solide r\u00e9gime d\u2019avantages sociaux ne consiste pas seulement \u00e0 offrir des soins de sant\u00e9 ou des vacances \u2014 il s\u2019agit d\u2019aider les employ\u00e9s \u00e0 envisager un avenir dans votre entreprise. En int\u00e9grant des r\u00e9gimes d\u2019\u00e9pargne-retraite collectifs comme les REER collectifs et les RPDB, et en les jumelant \u00e0 des outils compl\u00e9mentaires tels que les CELI ou le REPAE, vous pouvez donner \u00e0 votre \u00e9quipe la flexibilit\u00e9 et la confiance n\u00e9cessaires pour planifier \u00e0 l\u2019avance. Le r\u00e9sultat? Un programme de retraite qui \u00e9volue avec votre entreprise, soutient la r\u00e9tention et positionne votre entreprise comme un employeur r\u00e9fl\u00e9chi et tourn\u00e9 vers l\u2019avenir.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00c9pargner pour la retraite peut sembler un objectif lointain pour les employ\u00e9s, et g\u00e9rer ces \u00e9conomies peut \u00eatre un casse-t\u00eate&#8230;<\/p>\n","protected":false},"author":15,"featured_media":14818,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_gspb_post_css":"","_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[112],"tags":[],"post_folder":[],"class_list":["post-15006","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-croissance-avantages-financiers"],"acf":[],"taxonomy_info":{"category":[{"value":112,"label":"Croissance &amp; Avantages Financiers"}]},"featured_image_src_large":["https:\/\/twinn.ca\/wp-content\/uploads\/2025\/10\/employees-discussing-group-savings-options-1024x684.webp",1024,684,true],"author_info":{"display_name":"Rafat Haque","author_link":"https:\/\/twinn.ca\/fr\/author\/rafat-haque\/"},"comment_info":0,"category_info":[{"term_id":112,"name":"Croissance &amp; Avantages Financiers","slug":"croissance-avantages-financiers","term_group":0,"term_taxonomy_id":112,"taxonomy":"category","description":"","parent":0,"count":4,"filter":"raw","cat_ID":112,"category_count":4,"category_description":"","cat_name":"Croissance &amp; Avantages Financiers","category_nicename":"croissance-avantages-financiers","category_parent":0}],"tag_info":false,"_links":{"self":[{"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/posts\/15006","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/users\/15"}],"replies":[{"embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/comments?post=15006"}],"version-history":[{"count":0,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/posts\/15006\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/media\/14818"}],"wp:attachment":[{"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/media?parent=15006"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/categories?post=15006"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/tags?post=15006"},{"taxonomy":"post_folder","embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/post_folder?post=15006"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}