{"id":15012,"date":"2025-10-07T19:53:11","date_gmt":"2025-10-08T00:53:11","guid":{"rendered":"https:\/\/twinn.ca\/?p=15012"},"modified":"2025-11-10T22:02:10","modified_gmt":"2025-11-11T03:02:10","slug":"compte-epargne-libre-impot","status":"publish","type":"post","link":"https:\/\/twinn.ca\/fr\/compte-epargne-libre-impot\/","title":{"rendered":"Pourquoi offrir un compte d\u2019\u00e9pargne libre d\u2019imp\u00f4t au travail"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Un employ\u00e9 re\u00e7oit sa prime annuelle et veut l\u2019investir sans en perdre la moiti\u00e9 en imp\u00f4ts. Il ne pense pas \u00e0 la retraite dans 30 ans, mais \u00e0 b\u00e2tir un filet de s\u00e9curit\u00e9 qui fructifie d\u00e8s maintenant. C\u2019est l\u00e0 qu\u2019entre en jeu le compte d\u2019\u00e9pargne libre d\u2019imp\u00f4t (CELI), un outil puissant que de plus en plus d\u2019employeurs int\u00e8grent \u00e0 leurs r\u00e9gimes d\u2019avantages sociaux. Flexible et attrayant, il s\u00e9duit autant les \u00e9pargnants prudents que les investisseurs ambitieux.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dans cet article, nous verrons ce qu\u2019est un CELI, comment il fonctionne, pourquoi il a sa place dans un r\u00e9gime d\u2019avantages sociaux, et comment l\u2019int\u00e9grer efficacement \u00e0 d\u2019autres programmes pour aider vos employ\u00e9s \u00e0 atteindre leurs objectifs \u00e0 court et \u00e0 long terme.<\/p>\n\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id15012_9ecb17-27{margin-bottom:var(--global-kb-spacing-sm, 1.5rem);}.kb-row-layout-id15012_9ecb17-27 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id15012_9ecb17-27 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id15012_9ecb17-27 > .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-right:var(--global-kb-spacing-lg, 3rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-lg, 3rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id15012_9ecb17-27{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-id15012_9ecb17-27 > .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-id15012_9ecb17-27{box-shadow:0px 0px 12px 3px rgba(0, 0, 0, 0.2);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);}.kb-row-layout-id15012_9ecb17-27{background-color:rgba(58,173,113,0.25);}.kb-row-layout-id15012_9ecb17-27 > .kt-row-layout-overlay{opacity:0.49;}@media all and (max-width: 1024px){.kb-row-layout-id15012_9ecb17-27 > .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: 1024px){.kb-row-layout-id15012_9ecb17-27{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);}}@media all and (max-width: 767px){.kb-row-layout-id15012_9ecb17-27 > .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-id15012_9ecb17-27{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-id15012_9ecb17-27 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-column15012_2595f0-78 > .kt-inside-inner-col,.kadence-column15012_2595f0-78 > .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-column15012_2595f0-78 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column15012_2595f0-78 > .kt-inside-inner-col{flex-direction:column;}.kadence-column15012_2595f0-78 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column15012_2595f0-78 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column15012_2595f0-78{position:relative;}@media all and (max-width: 1024px){.kadence-column15012_2595f0-78 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column15012_2595f0-78 > .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-column15012_2595f0-78\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading15012_72e8e9-e3, .wp-block-kadence-advancedheading.kt-adv-heading15012_72e8e9-e3[data-kb-block=\"kb-adv-heading15012_72e8e9-e3\"]{text-align:left;font-style:normal;color:#020202;border-left:20px solid transparent;}.wp-block-kadence-advancedheading.kt-adv-heading15012_72e8e9-e3 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading15012_72e8e9-e3[data-kb-block=\"kb-adv-heading15012_72e8e9-e3\"] 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-heading15012_72e8e9-e3 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading15012_72e8e9-e3[data-kb-block=\"kb-adv-heading15012_72e8e9-e3\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading15012_72e8e9-e3, .wp-block-kadence-advancedheading.kt-adv-heading15012_72e8e9-e3[data-kb-block=\"kb-adv-heading15012_72e8e9-e3\"]{border-left:20px solid transparent;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading15012_72e8e9-e3, .wp-block-kadence-advancedheading.kt-adv-heading15012_72e8e9-e3[data-kb-block=\"kb-adv-heading15012_72e8e9-e3\"]{border-left:20px solid transparent;}}<\/style>\n<h3 class=\"kt-adv-heading15012_72e8e9-e3 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading15012_72e8e9-e3\">Points Cl\u00e9s<\/h3>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items15012_317ddd-e0:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15012_317ddd-e0 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-items15012_317ddd-e0 ul.kt-svg-icon-list{grid-row-gap:20px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15012_317ddd-e0 .kb-svg-icon-wrap{color:var(--global-palette1, #3182CE);}.kt-svg-icon-list-items15012_317ddd-e0 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-items15012_317ddd-e0 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-15012_541551-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-15012_541551-e4\"><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>Le compte d&rsquo;\u00e9pargne libre d&rsquo;imp\u00f4t est flexibles :<\/strong> les employ\u00e9s peuvent \u00e9pargner pour des objectifs \u00e0 court et \u00e0 long terme sans se soucier des imp\u00f4ts ou des p\u00e9nalit\u00e9s de retrait.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15012_30f612-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-15012_30f612-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>Les plafonds de cotisation sont importants :<\/strong> la <strong>cotisation maximale CELI 2025<\/strong> est de <strong>7 000 $<\/strong>, et le <strong>droit de cotisation CELI 2025<\/strong> inutilis\u00e9 se reporte ind\u00e9finiment.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15012_2b0347-0e .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-15012_2b0347-0e\"><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>L\u2019association est puissante :<\/strong> jumeler le CELI avec un REER ou un CELIAPP cr\u00e9e une approche \u00e9quilibr\u00e9e de la sant\u00e9 financi\u00e8re.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15012_2ad0c0-10 .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-15012_2ad0c0-10\"><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>Les employeurs en b\u00e9n\u00e9ficient aussi :<\/strong> un compte d&rsquo;\u00e9pargne libre d&rsquo;imp\u00f4t renforce le r\u00e9gime d\u2019avantages, stimule la r\u00e9tention et d\u00e9montre un engagement envers le bien-\u00eatre financier du personnel.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15012_70d810-85 .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-15012_70d810-85\"><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>Les conseils d\u2019experts aident :<\/strong> un consultant en avantages sociaux peut concevoir et g\u00e9rer une offre de CELI conforme et align\u00e9e sur vos objectifs d\u2019entreprise.<\/span><\/li>\n<\/ul><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"what-are-tax-free-savings-accounts\">Qu\u2019est-ce qu\u2019un compte d\u2019\u00e9pargne libre d\u2019imp\u00f4t?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Un compte d\u2019\u00e9pargne libre d\u2019imp\u00f4t (CELI) est un compte enregistr\u00e9 qui permet aux Canadiens de g\u00e9n\u00e9rer des revenus de placement sans payer d\u2019imp\u00f4t sur les gains. Mis en place en 2009, c\u2019est l\u2019un des outils d\u2019\u00e9pargne les plus simples et les plus flexibles pour faire cro\u00eetre son argent sans \u00eatre p\u00e9nalis\u00e9 pour ses rendements.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Contrairement aux r\u00e9gimes enregistr\u00e9s de retraite, les cotisations ne sont pas d\u00e9ductibles d\u2019imp\u00f4t, mais tous les revenus g\u00e9n\u00e9r\u00e9s \u2014 int\u00e9r\u00eats, dividendes ou gains en capital \u2014 demeurent enti\u00e8rement exempts d\u2019imp\u00f4t, m\u00eame au retrait. Cela en fait un choix id\u00e9al autant pour les projets \u00e0 court terme (comme l\u2019achat d\u2019une voiture ou un fonds d\u2019urgence) que pour la croissance patrimoniale \u00e0 long terme.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les employ\u00e9s peuvent ouvrir un compte aupr\u00e8s d\u2019une institution financi\u00e8re ou y acc\u00e9der par l\u2019entremise d\u2019un programme d\u2019entreprise, souvent accompagn\u00e9 de cotisations automatis\u00e9es ou jumel\u00e9es, facilitant ainsi l\u2019\u00e9pargne r\u00e9guli\u00e8re.<\/p>\n\n\n<style>.kb-image15012_a85802-17 .kb-image-has-overlay:after{opacity:0.3;}<\/style>\n<figure class=\"wp-block-kadence-image kb-image15012_a85802-17 size-full\"><img decoding=\"async\" width=\"1000\" height=\"668\" src=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/10\/office-employee-deciding-between-tax-free-savings-account-investment-profiles.webp\" alt=\"Employ\u00e9 de bureau qui choisit entre des profils d\u2019investissement de compte d'\u00e9pargne libre d'imp\u00f4t\" class=\"kb-img wp-image-14802\" title=\"Employ\u00e9 de bureau qui choisit entre des profils d\u2019investissement de compte d'\u00e9pargne libre d'imp\u00f4t\" srcset=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/10\/office-employee-deciding-between-tax-free-savings-account-investment-profiles.webp 1000w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/10\/office-employee-deciding-between-tax-free-savings-account-investment-profiles-300x200.webp 300w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/10\/office-employee-deciding-between-tax-free-savings-account-investment-profiles-768x513.webp 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"why-should-i-add-tfsas-to-my-employees-plan\">Pourquoi int\u00e9grer le CELI \u00e0 votre programme d\u2019avantages sociaux<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">En ajoutant ce compte d\u2019\u00e9pargne \u00e0 vos avantages, vous offrez \u00e0 vos employ\u00e9s plus qu\u2019un simple compte bloqu\u00e9 : vous leur donnez une v\u00e9ritable libert\u00e9 financi\u00e8re. Contrairement \u00e0 d\u2019autres r\u00e9gimes d\u2019\u00e9pargne ou de retraite, les fonds d\u2019un CELI peuvent \u00eatre retir\u00e9s en tout temps, sans imp\u00f4t ni p\u00e9nalit\u00e9. Cette flexibilit\u00e9 correspond parfaitement aux attentes d\u2019une main-d\u2019\u0153uvre moderne qui valorise le choix et la liquidit\u00e9.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Voici pourquoi les employ\u00e9s et les employeurs en b\u00e9n\u00e9ficient :<\/p>\n\n\n<style>.kb-row-layout-id15012_519501-94 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id15012_519501-94 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id15012_519501-94 > .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-xxs, 0.5rem);grid-template-columns:repeat(2, minmax(0, 1fr));}.kb-row-layout-id15012_519501-94{box-shadow:0px 0px 14px 0px var(--global-palette1, #3182CE);}.kb-row-layout-id15012_519501-94 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id15012_519501-94 > .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-id15012_519501-94 > .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-id15012_519501-94 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-column15012_3746b5-2a > .kt-inside-inner-col,.kadence-column15012_3746b5-2a > .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-column15012_3746b5-2a > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column15012_3746b5-2a > .kt-inside-inner-col{flex-direction:column;}.kadence-column15012_3746b5-2a > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column15012_3746b5-2a > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column15012_3746b5-2a{position:relative;}@media all and (max-width: 1024px){.kadence-column15012_3746b5-2a > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column15012_3746b5-2a > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column15012_3746b5-2a\"><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-items15012_bc6f9b-61:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15012_bc6f9b-61 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-items15012_bc6f9b-61 ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15012_bc6f9b-61 .kb-svg-icon-wrap{color:var(--global-palette1, #3182CE);}.wp-block-kadence-iconlist.kt-svg-icon-list-items15012_bc6f9b-61 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items15012_bc6f9b-61 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-items15012_bc6f9b-61 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-15012_162b67-d7 .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-15012_162b67-d7\"><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>Atout attractif<\/strong> : modernise la r\u00e9mun\u00e9ration globale, surtout pour les jeunes professionnels.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15012_6e620b-b2 .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-15012_6e620b-b2\"><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>Faible charge administrative<\/strong> : plus simple \u00e0 g\u00e9rer que les r\u00e9gimes de retraite ou de participation diff\u00e9r\u00e9e aux b\u00e9n\u00e9fices.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15012_f8a3fa-d9 .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-15012_f8a3fa-d9\"><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>Bien-\u00eatre financier<\/strong> : encourage les bonnes habitudes d\u2019\u00e9pargne sans restreindre l\u2019acc\u00e8s aux fonds.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15012_3e72e0-ca .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-15012_3e72e0-ca\"><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>Souplesse de conception<\/strong> : peut \u00eatre offert sur une base volontaire ou combin\u00e9 \u00e0 d\u2019autres v\u00e9hicules d\u2019\u00e9pargne.<\/span><\/li>\n<\/ul><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column15012_867e25-49 > .kt-inside-inner-col,.kadence-column15012_867e25-49 > .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-column15012_867e25-49 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column15012_867e25-49 > .kt-inside-inner-col{flex-direction:column;}.kadence-column15012_867e25-49 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column15012_867e25-49 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column15012_867e25-49{position:relative;}@media all and (max-width: 1024px){.kadence-column15012_867e25-49 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column15012_867e25-49 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column15012_867e25-49\"><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-items15012_9558b7-86:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15012_9558b7-86 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-items15012_9558b7-86 ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15012_9558b7-86 .kb-svg-icon-wrap{color:var(--global-palette1, #3182CE);}.wp-block-kadence-iconlist.kt-svg-icon-list-items15012_9558b7-86 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items15012_9558b7-86 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-items15012_9558b7-86 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-15012_592e4c-4e .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-15012_592e4c-4e\"><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 l\u2019abri de l\u2019imp\u00f4t<\/strong> : les rendements restent libres d\u2019imp\u00f4t, favorisant la capitalisation \u00e0 long terme.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15012_3f3a8e-3a .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-15012_3f3a8e-3a\"><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>Retraits flexibles<\/strong> : aucun imp\u00f4t ni p\u00e9nalit\u00e9, qu\u2019il s\u2019agisse d\u2019une urgence ou d\u2019un projet majeur.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15012_8ed341-8a .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-15012_8ed341-8a\"><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>Options vari\u00e9es<\/strong> : le CELI peut contenir des liquidit\u00e9s, FNB, fonds communs ou CPG, selon le profil de risque.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15012_258bc0-47 .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-15012_258bc0-47\"><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>Aucun impact sur les prestations<\/strong> : les retraits ne r\u00e9duisent pas l\u2019admissibilit\u00e9 \u00e0 des programmes comme l\u2019Allocation canadienne pour enfants ou la S\u00e9curit\u00e9 de la vieillesse.<\/span><\/li>\n<\/ul><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"what-sets-tfsas-apart-from-other-savings-vehicles\">Ce qui distingue le CELI des autres v\u00e9hicules d\u2019\u00e9pargne<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le <strong>compte d\u2019\u00e9pargne libre d\u2019imp\u00f4t<\/strong> partage certaines similarit\u00e9s avec les r\u00e9gimes traditionnels, mais ses diff\u00e9rences en font un outil unique. Contrairement au REER collectif, les retraits d\u2019un CELI ne sont pas impos\u00e9s ni limit\u00e9s \u00e0 un \u00e2ge pr\u00e9cis. Et \u00e0 la diff\u00e9rence du CELIAPP, il n\u2019est pas li\u00e9 \u00e0 un objectif sp\u00e9cifique \u2014 il s\u2019adapte \u00e0 tous les projets.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le CELI s\u2019int\u00e8gre d\u2019ailleurs tr\u00e8s bien \u00e0 un r\u00e9gime d\u2019\u00e9pargne-retraite collectif. Tandis que les REER favorisent une \u00e9pargne verrouill\u00e9e \u00e0 long terme, le CELI permet de g\u00e9rer les priorit\u00e9s imm\u00e9diates \u2014 r\u00e9parations, \u00e9tudes, voyages \u2014 sans compromettre les plans futurs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En somme, le compte d\u2019\u00e9pargne libre d\u2019imp\u00f4t ne remplace pas les r\u00e9gimes collectifs : il les compl\u00e8te. Il ajoute un niveau de flexibilit\u00e9 qui aide les employ\u00e9s \u00e0 concilier objectifs personnels et s\u00e9curit\u00e9 financi\u00e8re durable.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"tfsa-vs-other-savings-vehicles-quick-comparison\">CELI vs autres v\u00e9hicules d\u2019\u00e9pargne : comparaison rapide<\/h4>\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>Caract\u00e9ristique<\/th><th>Compte d\u2019\u00e9pargne non imposable<\/th><th>R\u00e9gime d\u2019\u00e9pargne-retraite enregistr\u00e9 (REER)<\/th><th>Compte d\u2019\u00e9pargne libre d\u2019imp\u00f4t pour l\u2019achat d\u2019une premi\u00e8re propri\u00e9t\u00e9 (CELIAPP)<\/th><\/tr><\/thead><tbody><tr><td><strong>Traitement fiscal<\/strong><\/td><td>Contributions apr\u00e8s imp\u00f4t; Gains et retraits exon\u00e9r\u00e9s d\u2019imp\u00f4t<\/td><td>Contributions avant imp\u00f4t; les revenus sont exempts d\u2019imp\u00f4t; retraits impos\u00e9s<\/td><td>Contributions avant imp\u00f4t; les revenus sont exempts d\u2019imp\u00f4t; retraits exon\u00e9r\u00e9s d\u2019imp\u00f4t pour l\u2019achat d\u2019une maison<\/td><\/tr><tr><td><strong>Plafonds de cotisation<\/strong><\/td><td>7 000 $\/ann\u00e9e (2025) avec report<\/td><td>18% du revenu gagn\u00e9 (jusqu\u2019\u00e0 la limite annuelle)<\/td><td>8 000 $\/ann\u00e9e (40 000 $ \u00e0 vie)<\/td><\/tr><tr><td><strong>Flexibilit\u00e9 du retrait<\/strong><\/td><td>Illimit\u00e9, en tout temps, sans imp\u00f4t<\/td><td>Impos\u00e9 lors du retrait; Les retraits anticip\u00e9s ont un impact sur l\u2019\u00e9pargne-retraite<\/td><td>Les retraits sont exempts d\u2019imp\u00f4t seulement pour l\u2019achat de la premi\u00e8re maison<\/td><\/tr><tr><td><strong>Objet<\/strong><\/td><td>\u00c9conomies \u00e0 court et \u00e0 long terme<\/td><td>\u00c9pargne-retraite<\/td><td>Premier achat de maison<\/td><\/tr><tr><td><strong>Impact sur les avantages<\/strong><\/td><td>Aucun<\/td><td>Les retraits affectent le revenu imposable<\/td><td>Aucun s\u2019il est utilis\u00e9 pour l\u2019achat d\u2019une maison<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Ce tableau montre comment le compte d\u2019\u00e9pargne libre d\u2019imp\u00f4t compl\u00e8te les autres v\u00e9hicules d\u2019\u00e9pargne. C\u2019est un atout strat\u00e9gique pour les employeurs qui souhaitent concevoir un programme d\u2019avantages adapt\u00e9 \u00e0 des besoins d\u2019employ\u00e9s vari\u00e9s.<\/p>\n\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id15012_06cf01-cf{margin-top:var(--global-kb-spacing-sm, 1.5rem);margin-bottom:var(--global-kb-spacing-sm, 1.5rem);}.kb-row-layout-id15012_06cf01-cf > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id15012_06cf01-cf > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id15012_06cf01-cf > .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-id15012_06cf01-cf{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-id15012_06cf01-cf > .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-id15012_06cf01-cf > .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-id15012_06cf01-cf > .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-id15012_06cf01-cf > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id15012_06cf01-cf 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-column15012_403f36-2c > .kt-inside-inner-col,.kadence-column15012_403f36-2c > .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-column15012_403f36-2c > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column15012_403f36-2c > .kt-inside-inner-col{flex-direction:column;}.kadence-column15012_403f36-2c > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column15012_403f36-2c > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column15012_403f36-2c{position:relative;}@media all and (max-width: 1024px){.kadence-column15012_403f36-2c > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column15012_403f36-2c > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column15012_403f36-2c\"><div class=\"kt-inside-inner-col\"><style>.kadence-column15012_4202ec-e1 > .kt-inside-inner-col{display:flex;}#wrapper.site{overflow:clip;}.kadence-column15012_4202ec-e1{--kb-section-setting-offset:90px;}.kadence-column15012_4202ec-e1 > .kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kadence-column15012_4202ec-e1 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column15012_4202ec-e1 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column15012_4202ec-e1 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column15012_4202ec-e1{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15012_4202ec-e1{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15012_4202ec-e1 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column15012_4202ec-e1 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column15012_4202ec-e1{text-align:left;}.kadence-column15012_4202ec-e1{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column15012_4202ec-e1{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-column15012_4202ec-e1{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15012_4202ec-e1 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 1024px){.kadence-column15012_4202ec-e1 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column15012_4202ec-e1{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15012_4202ec-e1{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15012_4202ec-e1 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column15012_4202ec-e1 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column15012_4202ec-e1 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-heading15012_538c71-97, .wp-block-kadence-advancedheading.kt-adv-heading15012_538c71-97[data-kb-block=\"kb-adv-heading15012_538c71-97\"]{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-heading15012_538c71-97 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading15012_538c71-97[data-kb-block=\"kb-adv-heading15012_538c71-97\"] 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-heading15012_538c71-97 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading15012_538c71-97[data-kb-block=\"kb-adv-heading15012_538c71-97\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading15012_538c71-97, .wp-block-kadence-advancedheading.kt-adv-heading15012_538c71-97[data-kb-block=\"kb-adv-heading15012_538c71-97\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading15012_538c71-97, .wp-block-kadence-advancedheading.kt-adv-heading15012_538c71-97[data-kb-block=\"kb-adv-heading15012_538c71-97\"]{text-align:center!important;}}<\/style>\n<h4 class=\"kt-adv-heading15012_538c71-97 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading15012_538c71-97\">Rendez votre r\u00e9gime d\u2019avantages plus comp\u00e9titif<\/h4>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading15012_afdf18-6a, .wp-block-kadence-advancedheading.kt-adv-heading15012_afdf18-6a[data-kb-block=\"kb-adv-heading15012_afdf18-6a\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading15012_afdf18-6a mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading15012_afdf18-6a[data-kb-block=\"kb-adv-heading15012_afdf18-6a\"] 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-heading15012_afdf18-6a img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading15012_afdf18-6a[data-kb-block=\"kb-adv-heading15012_afdf18-6a\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading15012_afdf18-6a, .wp-block-kadence-advancedheading.kt-adv-heading15012_afdf18-6a[data-kb-block=\"kb-adv-heading15012_afdf18-6a\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading15012_afdf18-6a, .wp-block-kadence-advancedheading.kt-adv-heading15012_afdf18-6a[data-kb-block=\"kb-adv-heading15012_afdf18-6a\"]{text-align:center!important;}}<\/style>\n<p class=\"kt-adv-heading15012_afdf18-6a wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading15012_afdf18-6a\">Ajoutez un CELI r\u00e9ellement utile \u00e0 vos employ\u00e9s. Nos sp\u00e9cialistes en avantages sociaux vous aide \u00e0 concevoir un programme d\u2019\u00e9pargne qui attire les talents et favorise le bien-\u00eatre financier.<\/p>\n<\/div><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column15012_fbacd2-24 > .kt-inside-inner-col{display:flex;}.kadence-column15012_fbacd2-24 > .kt-inside-inner-col,.kadence-column15012_fbacd2-24 > .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-column15012_fbacd2-24 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column15012_fbacd2-24 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column15012_fbacd2-24 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column15012_fbacd2-24{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15012_fbacd2-24{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15012_fbacd2-24 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column15012_fbacd2-24 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column15012_fbacd2-24{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column15012_fbacd2-24{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15012_fbacd2-24{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15012_fbacd2-24 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column15012_fbacd2-24 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column15012_fbacd2-24{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15012_fbacd2-24{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15012_fbacd2-24 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column15012_fbacd2-24 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column15012_fbacd2-24\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading15012_7c52d6-3d, .wp-block-kadence-advancedheading.kt-adv-heading15012_7c52d6-3d[data-kb-block=\"kb-adv-heading15012_7c52d6-3d\"]{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-heading15012_7c52d6-3d[data-kb-block=\"kb-adv-heading15012_7c52d6-3d\"]{display:flex;gap:0.25em;justify-content:center;align-items:center;}.wp-block-kadence-advancedheading.kt-adv-heading15012_7c52d6-3d[data-kb-block=\"kb-adv-heading15012_7c52d6-3d\"] .kb-adv-heading-icon svg{width:1em;height:1em;}.wp-block-kadence-advancedheading.kt-adv-heading15012_7c52d6-3d[data-kb-block=\"kb-adv-heading15012_7c52d6-3d\"] .kb-adv-heading-icon{color:var(--global-palette1, #3182CE);}.wp-block-kadence-advancedheading.kt-adv-heading15012_7c52d6-3d mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading15012_7c52d6-3d[data-kb-block=\"kb-adv-heading15012_7c52d6-3d\"] 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-heading15012_7c52d6-3d img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading15012_7c52d6-3d[data-kb-block=\"kb-adv-heading15012_7c52d6-3d\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading15012_7c52d6-3d, .wp-block-kadence-advancedheading.kt-adv-heading15012_7c52d6-3d[data-kb-block=\"kb-adv-heading15012_7c52d6-3d\"]{text-align:center!important;}}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading15012_7c52d6-3d[data-kb-block=\"kb-adv-heading15012_7c52d6-3d\"]{justify-content:center;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading15012_7c52d6-3d, .wp-block-kadence-advancedheading.kt-adv-heading15012_7c52d6-3d[data-kb-block=\"kb-adv-heading15012_7c52d6-3d\"]{padding-bottom:0px;text-align:center!important;}.wp-block-kadence-advancedheading.kt-adv-heading15012_7c52d6-3d[data-kb-block=\"kb-adv-heading15012_7c52d6-3d\"]{justify-content:center;}}<\/style><p class=\"kt-adv-heading15012_7c52d6-3d wp-block-kadence-advancedheading kt-adv-heading-has-icon\" data-kb-block=\"kb-adv-heading15012_7c52d6-3d\"><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-btns15012_bd0b91-66{gap:var(--global-kb-gap-xs, 0.5rem );justify-content:center;align-items:center;}.kt-btns15012_bd0b91-66 .kt-button{font-weight:normal;font-style:normal;}.kt-btns15012_bd0b91-66 .kt-btn-wrap-0{margin-right:5px;}.wp-block-kadence-advancedbtn.kt-btns15012_bd0b91-66 .kt-btn-wrap-0 .kt-button{color:#555555;border-color:#555555;}.wp-block-kadence-advancedbtn.kt-btns15012_bd0b91-66 .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns15012_bd0b91-66 .kt-btn-wrap-0 .kt-button:focus{color:#ffffff;border-color:#444444;}.wp-block-kadence-advancedbtn.kt-btns15012_bd0b91-66 .kt-btn-wrap-0 .kt-button::before{display:none;}.wp-block-kadence-advancedbtn.kt-btns15012_bd0b91-66 .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns15012_bd0b91-66 .kt-btn-wrap-0 .kt-button:focus{background:#444444;}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn.kb-btns15012_bd0b91-66{justify-content:center;}}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn.kb-btns15012_bd0b91-66{justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-advancedbtn kb-buttons-wrap kb-btns15012_bd0b91-66\"><style>ul.menu .wp-block-kadence-advancedbtn .kb-btn15012_abbb66-c3.kb-button{width:initial;}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn .kb-btn15012_abbb66-c3.kb-button{font-size:var(--global-kb-font-size-sm, 0.9rem);}}<\/style><a class=\"kb-button kt-button button kb-btn15012_abbb66-c3 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<h2 class=\"wp-block-heading\" id=\"how-do-tfsas-work\">Fonctionnement<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Comprendre le fonctionnement d\u2019un compte d\u2019\u00e9pargne libre d\u2019imp\u00f4t aide autant les employeurs que les employ\u00e9s \u00e0 tirer parti de sa flexibilit\u00e9. Le principe para\u00eet simple \u2014 \u00e9pargner et faire fructifier son argent \u00e0 l\u2019abri de l\u2019imp\u00f4t \u2014 mais les m\u00e9canismes pr\u00e9cis m\u00e9ritent qu\u2019on s\u2019y attarde, surtout concernant les cotisations et les options de placement.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"1-contributions-and-limits\">1. Contributions et limites<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Les contributions sont la base d\u2019un compte d\u2019\u00e9pargne non imposable. Comprendre combien les employ\u00e9s peuvent fournir, et ce qui arrive s\u2019ils d\u00e9passent, est essentiel pour garder les r\u00e9gimes conformes et efficaces. <\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items15012_d4c506-31:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15012_d4c506-31 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;padding-left:var(--global-kb-spacing-xs, 1rem);}.wp-block-kadence-iconlist.kt-svg-icon-list-items15012_d4c506-31 ul.kt-svg-icon-list{grid-row-gap:10px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15012_d4c506-31 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items15012_d4c506-31 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-items15012_d4c506-31 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-15012_0d603b-de .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-15012_0d603b-de\"><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=\"2.5\" 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>Qui peut contribuer :<\/strong> Tout Canadien \u00e2g\u00e9 de 18 ans ou plus avec un NAS valide peut cotiser \u00e0 un CELI.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15012_3b831e-7e .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-15012_3b831e-7e\"><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=\"2.5\" 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>Limite annuelle (2025) :<\/strong> En 2025, la <strong><a href=\"https:\/\/www.canada.ca\/fr\/agence-revenu\/services\/impot\/particuliers\/sujets\/compte-epargne-libre-impot\/cotiser\/avant.html#:~:text=pr%C3%A9c%C3%A9dentes%20encore%20disponibles.-,Plafond%20de%20cotisation%20au%20CELI,est%20index%C3%A9%20en%20fonction%20de%20l%E2%80%99inflation%20et%20arrondi%20au%20500%C2%A0%24%20pr%C3%A8s.,-Les%20cotisations%20sont\" data-type=\"link\" data-id=\"https:\/\/www.canada.ca\/fr\/agence-revenu\/services\/impot\/particuliers\/sujets\/compte-epargne-libre-impot\/cotiser\/avant.html#:~:text=pr%C3%A9c%C3%A9dentes%20encore%20disponibles.-,Plafond%20de%20cotisation%20au%20CELI,est%20index%C3%A9%20en%20fonction%20de%20l%E2%80%99inflation%20et%20arrondi%20au%20500%C2%A0%24%20pr%C3%A8s.,-Les%20cotisations%20sont\" target=\"_blank\" rel=\"noopener\">cotisation maximale CELI 2025<\/a><\/strong> est de <strong>7 000 $<\/strong>, portant le cumulatif total \u00e0 environ <strong>95 000 $<\/strong> pour les personnes admissibles depuis 2009.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15012_4d353d-d4 .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-15012_4d353d-d4\"><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=\"2.5\" 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>Calcul du droit de cotisation CELI 2025 :<\/strong> Chaque ann\u00e9e ajoute un nouveau plafond, et tout espace inutilis\u00e9 se reporte automatiquement. Si un employ\u00e9 retire des fonds, le montant retir\u00e9 est r\u00e9int\u00e9gr\u00e9 \u00e0 son espace de cotisation l\u2019ann\u00e9e suivante \u2014 offrant ainsi une flexibilit\u00e9 sans perte permanente.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15012_11c4f2-9f .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-15012_11c4f2-9f\"><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=\"2.5\" 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>Comment fonctionnent les contributions :<\/strong> Les employ\u00e9s peuvent contribuer directement par le biais des d\u00e9ductions sur la paie ou par eux-m\u00eames. *<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">*Les employeurs qui int\u00e8grent une option CELI dans leurs prestations collectives permettent souvent que les contributions apr\u00e8s imp\u00f4t soient directement vers\u00e9es dans le compte de l\u2019employ\u00e9, cr\u00e9ant ainsi une m\u00e9thode d\u2019\u00e9pargne simple et sans intervention.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"important-note-on-overcontributing\" style=\"font-size:25px\">Note importante sur la surcontribution<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Si un employ\u00e9 d\u00e9passe son droit de cotisation, l\u2019Agence du revenu du Canada impose une p\u00e9nalit\u00e9 de 1 % par mois sur le montant exc\u00e9dentaire. Une petite erreur peut rapidement co\u00fbter cher \u2014 d\u2019o\u00f9 l\u2019importance de l\u2019\u00e9ducation financi\u00e8re, que les conseillers en avantages sociaux devraient syst\u00e9matiquement appuyer.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"2-investment-options-and-growth\">2. Placements et croissance<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Une fois les cotisations effectu\u00e9es, les employ\u00e9s choisissent comment leurs fonds seront investis. Le type de placement influence la croissance, le risque et la disponibilit\u00e9 des fonds.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les options populaires incluent :<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items15012_8e13df-dd:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15012_8e13df-dd 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-items15012_8e13df-dd ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15012_8e13df-dd ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items15012_8e13df-dd 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-items15012_8e13df-dd kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-15012_50b611-ee .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-15012_50b611-ee\"><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=\"2.5\" 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\">Comptes d\u2019\u00e9pargne \u00e0 int\u00e9r\u00eat \u00e9lev\u00e9 (risque faible, rendement stable).<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15012_ac321e-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-15012_ac321e-f0\"><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=\"2.5\" 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\">Certificats de placement garanti (CPG) (s\u00e9curitaires, rendements fixes).<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15012_ef004c-2c .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-15012_ef004c-2c\"><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=\"2.5\" 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\">Fonds communs de placement et FNB (rendements potentiellement plus \u00e9lev\u00e9s, mais plus risqu\u00e9s).<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Le meilleur dans tout \u00e7a? Les gains \u2014 int\u00e9r\u00eats, dividendes et gains en capital \u2014 restent enti\u00e8rement exempts d\u2019imp\u00f4t. Que votre employ\u00e9 gagne 200 $ ou 20 000 $ en croissance d\u2019investissement, aucune de ces d\u00e9penses ne sera impos\u00e9e, m\u00eame lorsqu\u2019elles seront retir\u00e9es.  <\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"3-withdrawals-and-flexibility\">3. Retrait et flexibilit\u00e9<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Ce sont les retraits qui rendent ce compte si attrayants compar\u00e9s \u00e0 d\u2019autres v\u00e9hicules d\u2019\u00e9pargne. Les employ\u00e9s peuvent retirer de l\u2019argent quand ils en ont besoin, pour n\u2019importe quelle raison, sans craindre les p\u00e9nalit\u00e9s ou les surprises fiscales.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Exemples d\u2019utilisation :<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items15012_3cd36d-cd:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15012_3cd36d-cd 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-items15012_3cd36d-cd ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15012_3cd36d-cd ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items15012_3cd36d-cd 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-items15012_3cd36d-cd kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-15012_76bacf-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-15012_76bacf-1e\"><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=\"2.5\" 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\">D\u00e9penses d\u2019urgence<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15012_c8fc4a-39 .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-15012_c8fc4a-39\"><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=\"2.5\" 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\">Financement des vacances<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15012_b4c897-de .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-15012_b4c897-de\"><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=\"2.5\" 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\">Co\u00fbts d\u2019\u00e9ducation<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Les retraits permettent \u00e9galement de restaurer la marge de cotisation l\u2019ann\u00e9e suivante. Par exemple, si un employ\u00e9 retire 5 000 $ en mars 2025, il peut r\u00e9injecter ces m\u00eames 5 000 $ \u00e0 partir de janvier 2026 \u2014 en plus de sa nouvelle limite annuelle. <\/p>\n\n\n<style>.kb-image15012_86c618-a0 .kb-image-has-overlay:after{opacity:0.3;}<\/style>\n<figure class=\"wp-block-kadence-image kb-image15012_86c618-a0 size-full\"><img decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/10\/employees-reviewing-tfsa-overview-provided-by-company.webp\" alt=\"\" class=\"kb-img wp-image-14804\" srcset=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/10\/employees-reviewing-tfsa-overview-provided-by-company.webp 1000w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/10\/employees-reviewing-tfsa-overview-provided-by-company-300x200.webp 300w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/10\/employees-reviewing-tfsa-overview-provided-by-company-768x512.webp 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"adding-tfsas-to-employee-savings-plans\">Int\u00e9grer un CELI aux r\u00e9gimes d\u2019\u00e9pargne des employ\u00e9s<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Int\u00e9grer un compte d\u2019\u00e9pargne libre d\u2019imp\u00f4t dans un programme d\u2019avantages sociaux est une fa\u00e7on simple et efficace d\u2019am\u00e9liorer la flexibilit\u00e9 financi\u00e8re et la r\u00e9tention des employ\u00e9s, sans modifier toute la structure de r\u00e9mun\u00e9ration. Voici comment les employeurs peuvent ajouter un CELI \u00e0 leur r\u00e9gime et ce qu\u2019il faut consid\u00e9rer pour le faire de mani\u00e8re strat\u00e9gique.<\/p>\n\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id15012_01f13b-82{margin-top:0px;margin-bottom:0px;}.kb-row-layout-id15012_01f13b-82 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id15012_01f13b-82 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id15012_01f13b-82 > .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-bottom:var(--global-kb-spacing-xs, 1rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id15012_01f13b-82 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id15012_01f13b-82 > .kt-row-column-wrap{padding-top:var(--global-kb-spacing-lg, 3rem);padding-bottom:var(--global-kb-spacing-lg, 3rem);grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id15012_01f13b-82 > .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-id15012_01f13b-82 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 kb-theme-content-width\">\n<style>.kadence-column15012_2bf0b8-38 > .kt-inside-inner-col{display:flex;}.kadence-column15012_2bf0b8-38 > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-md, 2rem);padding-right:var(--global-kb-spacing-md, 2rem);padding-bottom:var(--global-kb-spacing-md, 2rem);padding-left:var(--global-kb-spacing-md, 2rem);}.kadence-column15012_2bf0b8-38 > .kt-inside-inner-col{border-top:3px double var(--global-palette2, #2B6CB0);border-right:3px double var(--global-palette2, #2B6CB0);border-bottom:3px double var(--global-palette2, #2B6CB0);border-left:3px double var(--global-palette2, #2B6CB0);}.kadence-column15012_2bf0b8-38 > .kt-inside-inner-col,.kadence-column15012_2bf0b8-38 > .kt-inside-inner-col:before{border-top-left-radius:50px;border-top-right-radius:50px;border-bottom-right-radius:50px;border-bottom-left-radius:50px;}.kadence-column15012_2bf0b8-38 > .kt-inside-inner-col{row-gap:var(--global-kb-gap-none, 0rem );column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column15012_2bf0b8-38 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column15012_2bf0b8-38 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column15012_2bf0b8-38{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15012_2bf0b8-38{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15012_2bf0b8-38 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column15012_2bf0b8-38 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column15012_2bf0b8-38{position:relative;}@media all and (max-width: 1024px){.kadence-column15012_2bf0b8-38 > .kt-inside-inner-col{border-top:3px double var(--global-palette2, #2B6CB0);border-right:3px double var(--global-palette2, #2B6CB0);border-bottom:3px double var(--global-palette2, #2B6CB0);border-left:3px double var(--global-palette2, #2B6CB0);flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column15012_2bf0b8-38{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-column15012_2bf0b8-38{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15012_2bf0b8-38 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 767px){.kadence-column15012_2bf0b8-38 > .kt-inside-inner-col{border-top:3px double var(--global-palette2, #2B6CB0);border-right:3px double var(--global-palette2, #2B6CB0);border-bottom:3px double var(--global-palette2, #2B6CB0);border-left:3px double var(--global-palette2, #2B6CB0);flex-direction:column;justify-content:flex-start;}.kt-row-column-wrap > .kadence-column15012_2bf0b8-38{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15012_2bf0b8-38{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15012_2bf0b8-38 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column15012_2bf0b8-38\"><div class=\"kt-inside-inner-col\">\n<h3 class=\"wp-block-heading has-text-align-center has-medium-font-size\" id=\"step-1-assess-your-workforce-and-business-goals-1\" style=\"padding-top:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--40)\">\u00c9tape 1 : D\u00e9finissez son r\u00f4le dans votre r\u00e9gime<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Clarifiez d\u2019abord votre objectif : voulez-vous aider les employ\u00e9s \u00e0 b\u00e2tir des \u00e9conomies d\u2019urgence, compl\u00e9ter les programmes de retraite comme les REER, ou leur donner plus de choix financier? Ensuite, d\u00e9cidez si le CELI sera : <\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items15012_095ce7-40:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15012_095ce7-40 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-items15012_095ce7-40 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15012_095ce7-40 .kb-svg-icon-wrap{color:var(--global-palette1, #3182CE);}.wp-block-kadence-iconlist.kt-svg-icon-list-items15012_095ce7-40 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items15012_095ce7-40 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-items15012_095ce7-40 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-15012_e47916-bf .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-15012_e47916-bf\"><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\">Un compte <strong>autonome<\/strong> (financ\u00e9 par l\u2019employ\u00e9)<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15012_a99949-5d .kt-svg-icon-list-single{color:var(--global-palette1, #3182CE) !important;}.kt-svg-icon-list-item-15012_a99949-5d .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-15012_a99949-5d\"><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\">Un r\u00e9gime <strong>soutenu par l\u2019employeur<\/strong> avec contrepartie ou montants forfaitaires<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15012_f7544b-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-15012_f7544b-8c\"><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\">Une <strong>solution hybride<\/strong>, combin\u00e9e \u00e0 d\u2019autres r\u00e9gimes d\u2019\u00e9pargne collectifs.<\/span><\/li>\n<\/ul><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id15012_e74ce0-28 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id15012_e74ce0-28 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id15012_e74ce0-28 > .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-md, 2rem);grid-template-columns:repeat(2, minmax(0, 1fr));}.kb-row-layout-id15012_e74ce0-28 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id15012_e74ce0-28 > .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-id15012_e74ce0-28 > .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-id15012_e74ce0-28 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 kt-inner-column-height-full kb-theme-content-width\">\n<style>.kadence-column15012_07417f-7b > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-sm, 1.5rem);}.kadence-column15012_07417f-7b > .kt-inside-inner-col{border-top:3px double var(--global-palette1, #3182CE);border-right:3px double var(--global-palette1, #3182CE);border-bottom:3px double var(--global-palette1, #3182CE);border-left:3px double var(--global-palette1, #3182CE);}.kadence-column15012_07417f-7b > .kt-inside-inner-col,.kadence-column15012_07417f-7b > .kt-inside-inner-col:before{border-top-left-radius:50px;border-top-right-radius:50px;border-bottom-right-radius:50px;border-bottom-left-radius:50px;}.kadence-column15012_07417f-7b > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column15012_07417f-7b > .kt-inside-inner-col{flex-direction:column;}.kadence-column15012_07417f-7b > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column15012_07417f-7b > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column15012_07417f-7b{position:relative;}@media all and (max-width: 1024px){.kadence-column15012_07417f-7b > .kt-inside-inner-col{border-top:3px double var(--global-palette1, #3182CE);border-right:3px double var(--global-palette1, #3182CE);border-bottom:3px double var(--global-palette1, #3182CE);border-left:3px double var(--global-palette1, #3182CE);flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column15012_07417f-7b > .kt-inside-inner-col{border-top:3px double var(--global-palette1, #3182CE);border-right:3px double var(--global-palette1, #3182CE);border-bottom:3px double var(--global-palette1, #3182CE);border-left:3px double var(--global-palette1, #3182CE);flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column15012_07417f-7b\"><div class=\"kt-inside-inner-col\">\n<h3 class=\"wp-block-heading has-text-align-center has-medium-font-size\" id=\"step-2-pick-a-provider-that-fits\" style=\"padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30)\">\u00c9tape 2 : Choisissez un fournisseur qui vous convient<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Choisissez un fournisseur d\u2019avantages sociaux \u2014 comme <strong>Sun Life<\/strong>, <strong>Manulife<\/strong> ou <strong>Canada Life<\/strong> \u2014 qui offre des outils d\u2019\u00e9pargne int\u00e9gr\u00e9s et l\u2019int\u00e9gration de la paie. Cherche: <\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items15012_cfd034-3e:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15012_cfd034-3e 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-items15012_cfd034-3e ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15012_cfd034-3e .kb-svg-icon-wrap{color:var(--global-palette1, #3182CE);}.wp-block-kadence-iconlist.kt-svg-icon-list-items15012_cfd034-3e ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items15012_cfd034-3e 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-items15012_cfd034-3e kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-15012_f35040-a4 .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-15012_f35040-a4\"><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\">Tableaux de bord en ligne pour g\u00e9rer \u00e0 la fois les REER et les CELI<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15012_d4005b-62 .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-15012_d4005b-62\"><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\">D\u00e9ductions automatiques sur la paie<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15012_e517cc-e1 .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-15012_e517cc-e1\"><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\">Ressources d\u2019\u00e9ducation \u00e0 l\u2019investissement<\/span><\/li>\n<\/ul><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column15012_a91b60-36 > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-sm, 1.5rem);}.kadence-column15012_a91b60-36 > .kt-inside-inner-col{border-top:3px double var(--global-palette1, #3182CE);border-right:3px double var(--global-palette1, #3182CE);border-bottom:3px double var(--global-palette1, #3182CE);border-left:3px double var(--global-palette1, #3182CE);}.kadence-column15012_a91b60-36 > .kt-inside-inner-col,.kadence-column15012_a91b60-36 > .kt-inside-inner-col:before{border-top-left-radius:50px;border-top-right-radius:50px;border-bottom-right-radius:50px;border-bottom-left-radius:50px;}.kadence-column15012_a91b60-36 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column15012_a91b60-36 > .kt-inside-inner-col{flex-direction:column;}.kadence-column15012_a91b60-36 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column15012_a91b60-36 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column15012_a91b60-36{position:relative;}@media all and (max-width: 1024px){.kadence-column15012_a91b60-36 > .kt-inside-inner-col{border-top:3px double var(--global-palette1, #3182CE);border-right:3px double var(--global-palette1, #3182CE);border-bottom:3px double var(--global-palette1, #3182CE);border-left:3px double var(--global-palette1, #3182CE);flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column15012_a91b60-36 > .kt-inside-inner-col{border-top:3px double var(--global-palette1, #3182CE);border-right:3px double var(--global-palette1, #3182CE);border-bottom:3px double var(--global-palette1, #3182CE);border-left:3px double var(--global-palette1, #3182CE);flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column15012_a91b60-36\"><div class=\"kt-inside-inner-col\">\n<h3 class=\"wp-block-heading has-text-align-center has-medium-font-size\" id=\"step-3-explain-the-tax-advantages\" style=\"padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30)\">\u00c9tape 3 : Expliquez les avantages fiscaux  <\/h3>\n\n\n\n<p class=\"has-text-align-left wp-block-paragraph\">Beaucoup d\u2019employ\u00e9s sous-estiment la croissance non imposable qu\u2019un CELI peut g\u00e9n\u00e9rer au fil du temps. Assurez-vous de communiquer que : <\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items15012_4e1607-f9:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15012_4e1607-f9 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-items15012_4e1607-f9 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15012_4e1607-f9 .kb-svg-icon-wrap{color:var(--global-palette1, #3182CE);}.wp-block-kadence-iconlist.kt-svg-icon-list-items15012_4e1607-f9 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items15012_4e1607-f9 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-items15012_4e1607-f9 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-15012_176cc0-b3 .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-15012_176cc0-b3\"><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>Toute croissance des investissements<\/strong> \u00e0 l\u2019int\u00e9rieur du compte est exon\u00e9r\u00e9e d\u2019imp\u00f4t.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15012_ad7ba1-4c .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-15012_ad7ba1-4c\"><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>Les retraits<\/strong> sont exempts d\u2019imp\u00f4t et peuvent \u00eatre r\u00e9inject\u00e9s ult\u00e9rieurement.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15012_6e707c-88 .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-15012_6e707c-88\"><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>Les cotisations<\/strong> ne r\u00e9duisent pas la marge REER ou FHSA.<\/span><\/li>\n<\/ul><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<h4 class=\"wp-block-heading\" id=\"example-a-balanced-benefits-approach\">Meilleures combinaisons CELI pour les r\u00e9gimes d\u2019employ\u00e9s<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Le compte d\u2019\u00e9pargne libre d\u2019imp\u00f4t s\u2019int\u00e8gre facilement \u00e0 la plupart des r\u00e9gimes d\u2019avantages sociaux. Il permet d\u2019\u00e9quilibrer la s\u00e9curit\u00e9 \u00e0 long terme et la flexibilit\u00e9 \u00e0 court terme, tout en rendant l\u2019\u00e9pargne plus pertinente \u00e0 chaque \u00e9tape de carri\u00e8re. Voici quelques combinaisons courantes :<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items15012_24c6c7-22:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15012_24c6c7-22 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-items15012_24c6c7-22 ul.kt-svg-icon-list{grid-row-gap:23px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15012_24c6c7-22 .kb-svg-icon-wrap{color:var(--global-palette2, #2B6CB0);}.wp-block-kadence-iconlist.kt-svg-icon-list-items15012_24c6c7-22 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items15012_24c6c7-22 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-items15012_24c6c7-22: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-items15012_24c6c7-22: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-items15012_24c6c7-22: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-items15012_24c6c7-22 kt-svg-icon-list-columns-2 alignnone kt-list-icon-aligntop\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-15012_b46ca2-86 .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-15012_b46ca2-86\"><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 : CELI + REER collectif<\/mark><\/strong><br>De nombreux employeurs associent un <strong>REER collectif<\/strong> \u00e0 un <strong>CELI avec d\u00e9duction \u00e0 la paie<\/strong> pour offrir deux outils compl\u00e9mentaires.<br>Le REER favorise une \u00e9pargne-retraite disciplin\u00e9e, tandis que le CELI offre une marge de man\u0153uvre pour les objectifs \u00e0 court terme \u2014 voyage, \u00e9tudes, impr\u00e9vus \u2014 sans cons\u00e9quence fiscale.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15012_994894-45 .kt-svg-icon-list-single{color:var(--global-palette1, #3182CE) !important;}.kt-svg-icon-list-item-15012_994894-45 .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-15012_994894-45\"><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 : CELI + CELIAPP<\/mark><\/strong><br>Pour les entreprises employant surtout de jeunes travailleurs, combiner le <strong>CELI<\/strong> et le <strong><span style=\"text-decoration: underline;\">compte d\u2019\u00e9pargne libre d\u2019imp\u00f4t pour l\u2019achat d\u2019une premi\u00e8re propri\u00e9t\u00e9 (CELIAPP)<\/span><\/strong> aide les employ\u00e9s \u00e0 acc\u00e9der plus vite \u00e0 la propri\u00e9t\u00e9.<br>Le CELIAPP offre des cotisations d\u00e9ductibles d\u2019imp\u00f4t, tandis que le CELI permet de financer les d\u00e9penses connexes (frais de notaire, ameublement, r\u00e9novations) avec des retraits libres d\u2019imp\u00f4t.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15012_459f35-68 .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-15012_459f35-68\"><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 : CELI + RPDB (r\u00e9gime de participation diff\u00e9r\u00e9e aux b\u00e9n\u00e9fices)<\/mark><\/strong><br>Dans les entreprises o\u00f9 les profits varient d\u2019une ann\u00e9e \u00e0 l\u2019autre, le <strong>CELI<\/strong> compl\u00e8te bien un <strong>RPDB<\/strong>.<br>L\u2019employeur r\u00e9compense le personnel pendant les ann\u00e9es de profits via le RPDB, tandis que les employ\u00e9s utilisent leur CELI pour une \u00e9pargne personnelle souple et ind\u00e9pendante, sans d\u00e9pendre de cotisations patronales.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15012_bd60c8-33 .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-15012_bd60c8-33\"><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 : CELI + RPAC (r\u00e9gime d\u2019achat d\u2019actions des employ\u00e9s)<\/mark><\/strong><br>Les entreprises qui offrent un <strong>programme d\u2019achat d\u2019actions<\/strong> encouragent souvent les employ\u00e9s \u00e0 d\u00e9tenir leurs actions dans un CELI.<br>Toute croissance de la valeur de ces actions est alors enti\u00e8rement <strong>libre d\u2019imp\u00f4t<\/strong>, transformant la participation au RPAC en strat\u00e9gie de cr\u00e9ation de richesse \u00e0 long terme et renfor\u00e7ant l\u2019engagement des employ\u00e9s.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15012_5ce497-69 .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-15012_5ce497-69\"><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 : CELI + r\u00e9gime de retraite \u00e0 cotisations d\u00e9termin\u00e9es (ou RRS simplifi\u00e9)<\/mark><\/strong><br>Les employeurs qui offrent d\u00e9j\u00e0 un <strong>r\u00e9gime de retraite \u00e0 cotisations d\u00e9termin\u00e9es (CD)<\/strong> ou un <strong>r\u00e9gime de retraite simplifi\u00e9 (RRS)<\/strong> ajoutent parfois un <strong>CELI<\/strong> pour offrir plus de flexibilit\u00e9.<br>Le r\u00e9gime de retraite assure un revenu stable \u00e0 long terme, tandis que le CELI procure un fonds libre d\u2019acc\u00e8s et non imposable pour les \u00e9v\u00e9nements de vie avant la retraite.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15012_cc4227-b5 .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-15012_cc4227-b5\"><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 6 : CELI + compte non enregistr\u00e9<\/mark><\/strong><br>Pour les employ\u00e9s \u00e0 revenu \u00e9lev\u00e9 qui atteignent rapidement leurs limites de <strong>cotisation maximale CELI 2025<\/strong> et de REER, proposer un <strong><a href=\"https:\/\/www.placementsmondiauxsunlife.com\/fr\/insights\/investor-education\/getting-started\/le-celi-le-reer-le-reee-et-les-comptes-non-enregistres-comparaison\/?utm_source=chatgpt.com\" data-type=\"link\" data-id=\"https:\/\/www.placementsmondiauxsunlife.com\/fr\/insights\/investor-education\/getting-started\/le-celi-le-reer-le-reee-et-les-comptes-non-enregistres-comparaison\/?utm_source=chatgpt.com\" target=\"_blank\" rel=\"noopener\">compte non enregistr\u00e9<\/a><\/strong> en parall\u00e8le permet de poursuivre l\u2019investissement.<br>Le CELI abrite les actifs \u00e0 forte croissance sans imp\u00f4t, tandis que le compte non enregistr\u00e9 g\u00e8re le surplus avec une strat\u00e9gie fiscale adapt\u00e9e.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"partnering-with-experts-to-build-smarter-savings-strategies\">Collaborer avec des experts pour des strat\u00e9gies d\u2019\u00e9pargne plus efficaces<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Entre les r\u00e8gles de cotisation \u00e9tablies par l\u2019ARC, les diff\u00e9rences entre plateformes de fournisseurs et le besoin de maintenir un r\u00e9gime comp\u00e9titif, la gestion de l\u2019\u00e9pargne peut vite devenir un casse-t\u00eate. C\u2019est l\u00e0 que la collaboration avec un <strong>consultant en avantages sociaux<\/strong> exp\u00e9riment\u00e9 \u2014 comme <strong>TWINN<\/strong> \u2014 fait toute la diff\u00e9rence.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Gr\u00e2ce \u00e0 un accompagnement professionnel, vous n\u2019avez plus \u00e0 g\u00e9rer seul la conformit\u00e9, la structure de cotisation ou l\u2019engagement des employ\u00e9s. Un consultant peut vous aider \u00e0 <strong>concevoir un compte d&rsquo;\u00e9pargne libre d&rsquo;imp\u00f4t<\/strong>, \u00e9quilibrant simplicit\u00e9 administrative et ma\u00eetrise des co\u00fbts.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Voici comment l\u2019expertise peut optimiser votre programme :<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items15012_1f4596-2f:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15012_1f4596-2f 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-items15012_1f4596-2f ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15012_1f4596-2f .kb-svg-icon-wrap{color:var(--global-palette1, #3182CE);}.wp-block-kadence-iconlist.kt-svg-icon-list-items15012_1f4596-2f ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items15012_1f4596-2f 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-items15012_1f4596-2f kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-15012_6d4cbe-2e .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-15012_6d4cbe-2e\"><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 s\u2019il faut offrir des CELI autonomes ou les int\u00e9grer dans un plan d\u2019\u00e9pargne plus large.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15012_a0a6a2-d2 .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-15012_a0a6a2-d2\"><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> D\u00e9cidez si la contrepartie de l\u2019employeur ou les contributions volontaires correspondent \u00e0 vos objectifs.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15012_d1e900-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-15012_d1e900-e5\"><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> Assurez-vous que le personnel comprend les avantages fiscaux, les r\u00e8gles de retrait et les limites de cotisation.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15012_ba67b3-b1 .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-15012_ba67b3-b1\"><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>Surveillance continue :<\/strong> Ajustez les options de contribution et les partenariats avec les fournisseurs au fur et \u00e0 mesure que votre main-d\u2019\u0153uvre \u00e9volue.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Le r\u00e9sultat? Un programme d\u2019\u00e9pargne simplifi\u00e9, conforme et flexible qui autonomise les employ\u00e9s tout en renfor\u00e7ant votre r\u00e9putation d\u2019employeur visionnaire. D\u00e9couvrez-en 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 consultation en r\u00e9gimes de retraite et d\u2019\u00e9pargne.<\/a>  <\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading15012_d7cc59-76, .wp-block-kadence-advancedheading.kt-adv-heading15012_d7cc59-76[data-kb-block=\"kb-adv-heading15012_d7cc59-76\"]{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-heading15012_d7cc59-76 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading15012_d7cc59-76[data-kb-block=\"kb-adv-heading15012_d7cc59-76\"] 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-heading15012_d7cc59-76 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading15012_d7cc59-76[data-kb-block=\"kb-adv-heading15012_d7cc59-76\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading15012_d7cc59-76 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading15012_d7cc59-76\">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-id15012_2a8274-36 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id15012_2a8274-36 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id15012_2a8274-36 > .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-id15012_2a8274-36 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id15012_2a8274-36 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id15012_2a8274-36 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id15012_2a8274-36 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-column15012_ae4434-c4 > .kt-inside-inner-col,.kadence-column15012_ae4434-c4 > .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-column15012_ae4434-c4 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column15012_ae4434-c4 > .kt-inside-inner-col{flex-direction:column;}.kadence-column15012_ae4434-c4 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column15012_ae4434-c4 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column15012_ae4434-c4{position:relative;}@media all and (max-width: 1024px){.kadence-column15012_ae4434-c4 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column15012_ae4434-c4 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column15012_ae4434-c4 inner-column-1\"><div class=\"kt-inside-inner-col\">\n<div class=\"wp-block-wpsp-faq wpsp-faq__outer-wrap wpsp-block-810df388 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\/compte-epargne-libre-impot\/\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"&lt;strong>Quel est le taux d\u2019int\u00e9r\u00eat d\u2019un compte d\u2019\u00e9pargne libre d\u2019imp\u00f4t ?&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Cela d\u00e9pend du type de placement choisi. Un &lt;strong>CELI \u00e0 int\u00e9r\u00eat \u00e9lev\u00e9&lt;\/strong> procure un rendement stable, tandis que les &lt;strong>fonds communs&lt;\/strong> ou les &lt;strong>FNB&lt;\/strong> offrent un potentiel de croissance plus \u00e9lev\u00e9 \u00e0 long terme, mais avec un risque accru.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong>Quelles sont les conditions pour ouvrir un CELI ?&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Toute personne \u00e2g\u00e9e de &lt;strong>18 ans ou plus&lt;\/strong> et titulaire d\u2019un &lt;strong>num\u00e9ro d\u2019assurance sociale (NAS)&lt;\/strong> valide peut ouvrir un &lt;strong>compte d\u2019\u00e9pargne libre d\u2019imp\u00f4t (CELI)&lt;\/strong> au Canada. Il suffit de respecter votre &lt;strong>droit de cotisation CELI 2025&lt;\/strong>.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong>Y a-t-il une p\u00e9nalit\u00e9 pour retirer de l\u2019argent d\u2019un CELI ?&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Non. Vous pouvez retirer vos fonds &lt;strong>en tout temps, sans imp\u00f4t ni p\u00e9nalit\u00e9&lt;\/strong>. Le montant retir\u00e9 est simplement &lt;strong>ajout\u00e9 \u00e0 votre espace de cotisation&lt;\/strong> l\u2019ann\u00e9e suivante.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong>Quel est le plafond de cotisation d\u2019un CELI ?&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"La &lt;strong>cotisation maximale CELI 2025&lt;\/strong> est de &lt;strong>7 000 $&lt;\/strong>, et tout espace inutilis\u00e9 se reporte automatiquement. Si vous n\u2019avez jamais cotis\u00e9 depuis 2009, votre &lt;strong>droit de cotisation CELI 2025&lt;\/strong> total s\u2019\u00e9l\u00e8ve \u00e0 &lt;strong>95 000 $&lt;\/strong>.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong>Un CELI rapporte-t-il des int\u00e9r\u00eats ?&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui. Un &lt;strong>compte d\u2019\u00e9pargne libre d\u2019imp\u00f4t&lt;\/strong> peut g\u00e9n\u00e9rer des &lt;strong>int\u00e9r\u00eats, dividendes ou gains en capital&lt;\/strong>, selon le placement choisi. Tous ces revenus demeurent &lt;strong>totalement exempts d\u2019imp\u00f4t&lt;\/strong>.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong>Peut-on avoir plusieurs CELI ?&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui, vous pouvez ouvrir plusieurs &lt;strong>CELI&lt;\/strong> aupr\u00e8s de diff\u00e9rentes institutions financi\u00e8res, mais vos &lt;strong>cotisations combin\u00e9es&lt;\/strong> ne doivent jamais d\u00e9passer votre &lt;strong>limite de cotisation disponible&lt;\/strong>.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong>Le compte d'\u00e9pargne libre d'imp\u00f4t en vaut-il la peine ?&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Absolument. Gr\u00e2ce \u00e0 sa &lt;strong>souplesse, son accessibilit\u00e9 et sa croissance \u00e0 l\u2019abri de l\u2019imp\u00f4t&lt;\/strong>, le CELI est l\u2019un des outils d\u2019\u00e9pargne les plus efficaces au Canada, autant pour les objectifs \u00e0 court terme que pour la planification \u00e0 long terme.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong>Comment fonctionne un compte d'\u00e9pargne libre d'imp\u00f4t&lt;\/strong> &lt;strong>?&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Vous versez des &lt;strong>cotisations apr\u00e8s imp\u00f4t&lt;\/strong>, vos &lt;strong>placements croissent librement&lt;\/strong>, et vos &lt;strong>retraits sont enti\u00e8rement libres d\u2019imp\u00f4t&lt;\/strong> \u2014 sans restriction d\u2019\u00e2ge, sans p\u00e9nalit\u00e9 et sans surprise fiscale.\"}}]}<\/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-8119dc11\"><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>Quel est le taux d\u2019int\u00e9r\u00eat d\u2019un compte d\u2019\u00e9pargne libre d\u2019imp\u00f4t ?<\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Cela d\u00e9pend du type de placement choisi. Un <strong>CELI \u00e0 int\u00e9r\u00eat \u00e9lev\u00e9<\/strong> procure un rendement stable, tandis que les <strong>fonds communs<\/strong> ou les <strong>FNB<\/strong> offrent un potentiel de croissance plus \u00e9lev\u00e9 \u00e0 long terme, mais avec un risque accru.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-d6be6647\"><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>Quelles sont les conditions pour ouvrir un CELI ?<\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Toute personne \u00e2g\u00e9e de <strong>18 ans ou plus<\/strong> et titulaire d\u2019un <strong>num\u00e9ro d\u2019assurance sociale (NAS)<\/strong> valide peut ouvrir un <strong>compte d\u2019\u00e9pargne libre d\u2019imp\u00f4t (CELI)<\/strong> au Canada. Il suffit de respecter votre <strong>droit de cotisation CELI 2025<\/strong>.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-aadfaa80\"><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>Y a-t-il une p\u00e9nalit\u00e9 pour retirer de l\u2019argent d\u2019un CELI ?<\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Non. Vous pouvez retirer vos fonds <strong>en tout temps, sans imp\u00f4t ni p\u00e9nalit\u00e9<\/strong>. Le montant retir\u00e9 est simplement <strong>ajout\u00e9 \u00e0 votre espace de cotisation<\/strong> l\u2019ann\u00e9e suivante.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-b37e0397\"><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>Quel est le plafond de cotisation d\u2019un CELI ?<\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>La <strong>cotisation maximale CELI 2025<\/strong> est de <strong>7 000 $<\/strong>, et tout espace inutilis\u00e9 se reporte automatiquement. Si vous n\u2019avez jamais cotis\u00e9 depuis 2009, votre <strong>droit de cotisation CELI 2025<\/strong> total s\u2019\u00e9l\u00e8ve \u00e0 <strong>95 000 $<\/strong>.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-9723ada7\"><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>Un CELI rapporte-t-il des int\u00e9r\u00eats ?<\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Oui. Un <strong>compte d\u2019\u00e9pargne libre d\u2019imp\u00f4t<\/strong> peut g\u00e9n\u00e9rer des <strong>int\u00e9r\u00eats, dividendes ou gains en capital<\/strong>, selon le placement choisi. Tous ces revenus demeurent <strong>totalement exempts d\u2019imp\u00f4t<\/strong>.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-b6841efd\"><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 avoir plusieurs CELI ?<\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Oui, vous pouvez ouvrir plusieurs <strong>CELI<\/strong> aupr\u00e8s de diff\u00e9rentes institutions financi\u00e8res, mais vos <strong>cotisations combin\u00e9es<\/strong> ne doivent jamais d\u00e9passer votre <strong>limite de cotisation disponible<\/strong>.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-220b2dc5\"><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>Le compte d&rsquo;\u00e9pargne libre d&rsquo;imp\u00f4t en vaut-il la peine ?<\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Absolument. Gr\u00e2ce \u00e0 sa <strong>souplesse, son accessibilit\u00e9 et sa croissance \u00e0 l\u2019abri de l\u2019imp\u00f4t<\/strong>, le CELI est l\u2019un des outils d\u2019\u00e9pargne les plus efficaces au Canada, autant pour les objectifs \u00e0 court terme que pour la planification \u00e0 long terme.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-24d08b57\"><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 fonctionne un compte d&rsquo;\u00e9pargne libre d&rsquo;imp\u00f4t<\/strong> <strong>?<\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Vous versez des <strong>cotisations apr\u00e8s imp\u00f4t<\/strong>, vos <strong>placements croissent librement<\/strong>, et vos <strong>retraits sont enti\u00e8rement libres d\u2019imp\u00f4t<\/strong> \u2014 sans restriction d\u2019\u00e2ge, sans p\u00e9nalit\u00e9 et sans surprise fiscale.<\/p><\/span><\/div><\/div><\/div><\/div>\n<\/div><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"bottom-line\">En bref,<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le compte d\u2019\u00e9pargne libre d\u2019imp\u00f4t offre aux employeurs et aux employ\u00e9s une solution d\u2019\u00e9pargne polyvalente et fiscalement avantageuse. Pour les employ\u00e9s, il offre libert\u00e9, flexibilit\u00e9 et rendement net d\u2019imp\u00f4t.<br>Pour les employeurs, c\u2019est un avantage simple \u00e0 g\u00e9rer qui compl\u00e8te parfaitement les r\u00e9gimes de retraite et d\u2019\u00e9pargne existants.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En combinant le CELI avec des r\u00e9gimes comme le REER collectif ou le CELIAPP, les entreprises peuvent cr\u00e9er un programme d\u2019avantages sociaux concurrentiel qui r\u00e9pond aux besoins financiers imm\u00e9diats et futurs.<\/p>\n\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id15012_f8fdf1-8e{margin-top:var(--global-kb-spacing-sm, 1.5rem);margin-bottom:var(--global-kb-spacing-sm, 1.5rem);}.kb-row-layout-id15012_f8fdf1-8e > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id15012_f8fdf1-8e > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id15012_f8fdf1-8e > 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.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-column15012_d27a02-b3 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column15012_d27a02-b3 > .kt-inside-inner-col{flex-direction:column;}.kadence-column15012_d27a02-b3 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column15012_d27a02-b3 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column15012_d27a02-b3{position:relative;}@media all and (max-width: 1024px){.kadence-column15012_d27a02-b3 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column15012_d27a02-b3 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column15012_d27a02-b3\"><div class=\"kt-inside-inner-col\"><style>.kadence-column15012_a3afda-03 > .kt-inside-inner-col{display:flex;}#wrapper.site{overflow:clip;}.kadence-column15012_a3afda-03{--kb-section-setting-offset:90px;}.kadence-column15012_a3afda-03 > .kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kadence-column15012_a3afda-03 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column15012_a3afda-03 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column15012_a3afda-03 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column15012_a3afda-03{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15012_a3afda-03{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15012_a3afda-03 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column15012_a3afda-03 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column15012_a3afda-03{text-align:left;}.kadence-column15012_a3afda-03{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column15012_a3afda-03{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-column15012_a3afda-03{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15012_a3afda-03 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 1024px){.kadence-column15012_a3afda-03 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column15012_a3afda-03{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15012_a3afda-03{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15012_a3afda-03 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column15012_a3afda-03 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column15012_a3afda-03 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-heading15012_bd7fe6-c0, .wp-block-kadence-advancedheading.kt-adv-heading15012_bd7fe6-c0[data-kb-block=\"kb-adv-heading15012_bd7fe6-c0\"]{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-heading15012_bd7fe6-c0 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading15012_bd7fe6-c0[data-kb-block=\"kb-adv-heading15012_bd7fe6-c0\"] 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-heading15012_bd7fe6-c0 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading15012_bd7fe6-c0[data-kb-block=\"kb-adv-heading15012_bd7fe6-c0\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading15012_bd7fe6-c0, .wp-block-kadence-advancedheading.kt-adv-heading15012_bd7fe6-c0[data-kb-block=\"kb-adv-heading15012_bd7fe6-c0\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading15012_bd7fe6-c0, .wp-block-kadence-advancedheading.kt-adv-heading15012_bd7fe6-c0[data-kb-block=\"kb-adv-heading15012_bd7fe6-c0\"]{text-align:center!important;}}<\/style>\n<h4 class=\"kt-adv-heading15012_bd7fe6-c0 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading15012_bd7fe6-c0\">Rendez votre r\u00e9gime d\u2019avantages plus comp\u00e9titif<\/h4>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading15012_5d0591-c7, .wp-block-kadence-advancedheading.kt-adv-heading15012_5d0591-c7[data-kb-block=\"kb-adv-heading15012_5d0591-c7\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading15012_5d0591-c7 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading15012_5d0591-c7[data-kb-block=\"kb-adv-heading15012_5d0591-c7\"] 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-heading15012_5d0591-c7 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading15012_5d0591-c7[data-kb-block=\"kb-adv-heading15012_5d0591-c7\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading15012_5d0591-c7, .wp-block-kadence-advancedheading.kt-adv-heading15012_5d0591-c7[data-kb-block=\"kb-adv-heading15012_5d0591-c7\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading15012_5d0591-c7, .wp-block-kadence-advancedheading.kt-adv-heading15012_5d0591-c7[data-kb-block=\"kb-adv-heading15012_5d0591-c7\"]{text-align:center!important;}}<\/style>\n<p class=\"kt-adv-heading15012_5d0591-c7 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading15012_5d0591-c7\">Ajoutez un <strong>CELI<\/strong> qui fonctionne r\u00e9ellement pour vos employ\u00e9s. Nos <strong>experts en avantages sociaux<\/strong> peuvent vous aider \u00e0 concevoir un programme d\u2019\u00e9pargne qui attire les talents et favorise le bien-\u00eatre financier.<\/p>\n<\/div><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column15012_5db947-ae > .kt-inside-inner-col{display:flex;}.kadence-column15012_5db947-ae > .kt-inside-inner-col,.kadence-column15012_5db947-ae > .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-column15012_5db947-ae > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column15012_5db947-ae > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column15012_5db947-ae > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column15012_5db947-ae{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > 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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-btns15012_ee44a2-48{gap:var(--global-kb-gap-xs, 0.5rem );justify-content:center;align-items:center;}.kt-btns15012_ee44a2-48 .kt-button{font-weight:normal;font-style:normal;}.kt-btns15012_ee44a2-48 .kt-btn-wrap-0{margin-right:5px;}.wp-block-kadence-advancedbtn.kt-btns15012_ee44a2-48 .kt-btn-wrap-0 .kt-button{color:#555555;border-color:#555555;}.wp-block-kadence-advancedbtn.kt-btns15012_ee44a2-48 .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns15012_ee44a2-48 .kt-btn-wrap-0 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